- Hurricanes
- Tropical storms
- Wind-driven rain
- Humidity & mold
- Tree impacts
Coastal exposure, historic buildings
Savannah sits low, close to the Atlantic and surrounded by marsh. Tropical systems that never make a direct landfall can still push hours of sustained wind and wind-driven rain into the city, and the humidity that follows turns a small roof opening into a mold problem within days. Homeowners in Ardsley Park, Midtown and the Southside know the drill; so do the condo associations on the islands.
The Historic District adds a layer few other Georgia cities share. Repairs to buildings in the landmark district may require review, period-appropriate materials and specialized trades — standing-seam roofs, wood windows, lime-based mortar, ornamental ironwork. Those costs rarely appear in a first estimate written from a generic price list.
Claims we handle around Savannah
- Named-storm deductible calculations and wind-versus-flood separation.
- Wind-driven rain damage through compromised roofs, windows and parapets.
- Historic-material repairs and the cost difference from standard materials.
- Condo and townhome association master-policy losses on Tybee, Wilmington and Whitemarsh islands.
- Mold remediation following delayed dry-in, and the sub-limits that may apply.
Areas we cover
Downtown and the Historic District, Victorian District, Ardsley Park, Habersham Woods, the Southside, Isle of Hope, Skidaway Island, Wilmington Island, Tybee Island, Pooler, Richmond Hill and Rincon. Coastal properties insured through the Georgia Underwriting Association or surplus-lines carriers often use their own policy forms — we read the appraisal language specifically.
Services available in Savannah
Every Georgia Insurance Appraiser service is available to property owners in Savannah and the surrounding area, including:
- Appraisal Clause Representation
- Homeowner Claim Appraisal
- Commercial Claim Appraisal
- Hail & Roof Claim Appraisal
- Wind & Tornado Damage Appraisal
- Hurricane & Tropical Storm Appraisal
Questions from Savannah property owners
My home is in the flood zone. Can you help with the wind portion?
Yes. We value wind and wind-driven rain damage under your homeowners or commercial policy and document how it differs from rising-water damage covered by a flood policy.
Do Historic District requirements increase what insurance pays?
If your policy includes ordinance-or-law coverage, the added cost of meeting local requirements may be covered up to that limit. We itemize those costs separately so they are visible.