Local claim risks
- Hurricane wind
- Nor’easter waves
- Storm surge (flood policy)
- Salt corrosion
- Ice dams
Insurance appraisal in Narragansett covers a coastline where nor’easter waves and hurricane surge are facts of life. Homes near Ocean Road, Point Judith and Bonnet Shores see salt spray, wind-driven rain and, in strong storms, water. Inland homes see more ice-dam and tree damage.
Rental properties
Many Narragansett houses are rented seasonally or to students. Landlord policies (often written on dwelling forms) differ from owner-occupied homeowner policies, so we read the form closely before valuing the loss.
Salt and wind
Salt air shortens the life of fasteners, flashing and siding. When storm damage meets aged materials, the claim can turn into a debate about depreciation and wear. We document storm-created damage separately from pre-existing conditions.
Neighborhoods and villages we cover in Narragansett
- Narragansett Pier
- Point Judith
- Galilee
- Bonnet Shores
- Scarborough
- Eastward Look
- Wakefield (nearby)
Housing in Narragansett
Narragansett has Victorian-era summer houses near the Pier, postwar cottages in Bonnet Shores and Eastward Look, year-round homes inland, and many rental properties near the University of Rhode Island.
Narragansett storm history
- 1938The hurricane struck the Narragansett shoreline hard.
- 1954Hurricane Carol flooded Galilee and coastal neighborhoods.
- 2012Superstorm Sandy damaged the Ocean Road seawall and shoreline businesses.
- 2018March nor’easters brought wind and coastal flooding.
Services available in Narragansett
Every Rhode Island Insurance Appraiser service is available to owners in Narragansett and nearby towns, including:
- Appraisal Clause Representation
- Homeowner Claim Valuation
- Commercial, Condo & HOA Claims
- Roof & Hail Damage
- Wind, Microburst & Tornado Damage
- Hurricane & Tropical Storm Claims
- Water Damage & Leak Claims
Questions from Narragansett owners
Do you inspect rental properties in Narragansett?
Yes. We review the dwelling or landlord policy form and value the covered loss.
Is wear from salt air covered?
Gradual wear generally isn’t. Storm damage is. We document the difference carefully.
Do you work in South Kingstown and Wakefield too?
Yes. We work throughout Washington County.