Pooler · Chatham County · Insurance
This is the Pooler page for wind damage roof claim. The short version: you want to file a wind claim for a storm that wasn't a named hurricane, and you can have it without a salesperson at the door.
Get a written quoteThe hurricane deductible is a percentage of dwelling coverage, not a flat amount, so a coastal claim needs to clear a much higher bar than an inland wind claim. A sealed roof deck — peel-and-stick underlayment over every seam — earns secondary water resistance credit on the wind mitigation form and is worth asking for by name. New-construction underlayment is often the minimum synthetic; upgrading it during any re-roof is a small cost with a big insurance payoff.
What it costs in Pooler: uses your regular flat deductible, which is why many Florida homeowners with real damage from a tropical storm or squall line come out much better than under the hurricane deductible.
Georgia has no law banning assignment-of-benefits agreements the way Florida does, so read anything a roofer asks you to sign before a claim is filed — you can get an inspection and file a claim without signing away control of it.
How it works
Creased or folded shingles that have lost their seal, lifted tabs, missing shingles, and ridge cap damage — concentrated on the side the wind came from. Uniform wear on all slopes is age, not wind.
Only if the National Hurricane Center gave it a name and it was in effect for your area at the time of loss. A severe thunderstorm, derecho, or unnamed tropical system is a regular wind claim.
Georgia has no law banning assignment-of-benefits agreements the way Florida does, so read anything a roofer asks you to sign before a claim is filed — you can get an inspection and file a claim without signing away control of it. Pooler is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."