Key Takeaways
A storm rolled through. Maybe it was one of those summer afternoon pop-ups that dumps hail on Pooler but misses downtown Savannah entirely. This guide walks through every step — from the moment you spot damage to the day your new roof is done.
Step 1: Document the Damage (Before You Call Anyone)
Most homeowners have never filed a roof damage insurance claim. The process feels confusing, the insurance company doesn't make it easy, and there's a real fear of getting shortchanged.
Step 2: Call Your Insurance Company
Before you call your insurance company, before you call a roofer, grab your phone and start documenting. This is the single most important thing you can do to protect your claim.
Step 3: Get a Professional Roof Inspection
Georgia insurers can deny late-reported damage. Most policies require storm damage to be reported within 72 hours to 14 days.
Storm Chaser Red Flags
Your roofer should be standing on the roof with the adjuster, pointing out every piece of damage. Without a contractor present, adjusters routinely miss soft spots, bruised shingles, and flashing damage.
Step 4: The Adjuster Meeting
The first adjuster check almost never covers everything. Supplements are normal — rotted decking, code upgrades, and pipe boot replacements are commonly found once old shingles are removed.
Step 5: Understanding Your Payout
Georgia's coastal insurance market is brutal in 2026. Carriers are dropping properties, premiums are climbing, and named storm deductibles of 2-5% are increasingly common.
Step 6: Supplements (This Is Normal)
Talya Roofing provides free storm damage inspections and full insurance claims assistance for Savannah, Pooler, Richmond Hill, Hinesville, and all of Coastal Georgia.