Skip to content
Storm damage? Start with safety, photos and a tarp. Claim stepsStorm Center · Ask for help
KnoxvilleRoof.comA HERE Knoxville resource · information site, not a contractor

Storm, hail and insurance guides

Plain-English guides for Knoxville and East Tennessee homeowners, checked against official sources.

Storm Center tools

How often does hail hit the Knoxville area?East Tennessee hail by the numbers: NOAA reports for Knox, Blount, Sevier, Anderson and Loudon counties since 2006, the April peak and baseball hail.Roof and insurance terms for East Tennessee homeownersEast Tennessee roof claim glossary: ACV and RCV, holdback, wind/hail deductibles, Tennessee matching, the suit clause, bad faith, and mountain waves.Printable East Tennessee storm and roof claim checklistsPrintable East Tennessee storm checklists: hail check, after-hail steps, Tennessee policy review, and questions for your insurer, adjuster and roofer.

Hail damage

Hail hit Knoxville. How can you tell if your roof is damaged?Checking an East Tennessee roof for hail: shingles, metal cabin roofs, slate on older Knoxville homes, gutters and heat pumps, and how big hail gets here.How big does hail get around Knoxville?Hail sizes from penny to baseball, how often each has hit Knox, Blount, Sevier, Anderson and Loudon counties since 2006, and what each does to a roof.What should you photograph after an East Tennessee storm?What to photograph after hail, mountain-wave wind or ice around Knoxville: metal roofs, cabins, trees and attics, and records for a Tennessee claim.Hail damage pictures for East Tennessee homeownersPhotos of hail damage for Knoxville and East Tennessee homes: metal roofs, heat pumps, windows, siding and cars, hailstones for scale, and look-alikes.Hail just hit your East Tennessee home. Here is what to doAfter hail in Knoxville, Farragut, Maryville, Oak Ridge, Lenoir City or Sevier County: safety, photos, tarps, deductibles, the claim and roofer checks.

Insurance claims

How does a roof insurance claim work in Tennessee?How a roof damage insurance claim works in Tennessee: when to file, what the adjuster does, deductibles, payments, and what roofers can and can't do.How does a wind/hail deductible work in East Tennessee?Wind/hail deductibles for Knoxville homeowners: flat versus percentage, how mountain-wave wind and spring hail claims are figured, and where to look.A tree came down on your East Tennessee house. Now what?A tree on a Knoxville, Maryville or Sevier County house after wind, ice or Helene: safety, KUB and power lines, tarping, coverage and neighbors' trees.How does wind damage East Tennessee roofs?Wind damage on Knoxville, Maryville and Sevierville roofs from mountain-wave winds off the Smokies and summer storms: what to check, and metal cabins.Your Knoxville-area roof leaks after a storm. What should you do?Roof leaks after storms in Knoxville, Maryville and Sevierville: stopping the water, tying it to the storm, winter ice and snow leaks, cabins and mold.Should you tarp your East Tennessee roof after a storm?Tarping a Knoxville-area roof after wind, a falling tree or ice: what Tennessee policies expect, the roofing-law refund rule for emergency work, safety.Who works for whom on an East Tennessee roof claim?Staff, independent and public adjusters on a Knoxville roof claim: who they work for, Tennessee's 15% and 25% public adjuster fee caps, and how to prep.Your Tennessee roof claim was denied or low. What now?East Tennessee roof claim denied or low? Written reasons, reinspection, appraisal, a TN Commerce and Insurance complaint, and the one-year suit clause.How is an older roof paid on a Tennessee claim?How roof age changes a Knoxville claim: replacement cost versus ACV, roof schedules, metal roof cosmetic exclusions, and Tennessee's matching rule.What to check in a Tennessee policy before a roof claimRead a Tennessee homeowners policy before a Knoxville roof claim: declarations, deductibles, ACV or RCV, the matching rule, cabin and rental policies.What to ask your insurance company after East Tennessee storm damageWhat to ask your insurer after storm damage around Knoxville: deductibles, RCV or ACV, the one-year suit clause, matching and temporary repair costs.What should you ask the adjuster at your Knoxville roof inspection?Questions for the adjuster at an East Tennessee roof inspection: hits per slope, hail versus age, metal and slate, Tennessee matching and steep charges.How to read your East Tennessee roof estimateReading a roof insurance estimate around Knoxville: squares, waste, steep and high charges, metal and slate lines, code items, depreciation and O&P.After a tornado damages your East Tennessee homeTornado roof damage around Knoxville: the April 2011 Blount County EF4, safety, documenting damage, trees, tarps and Tennessee homeowners claims.Ice dams and winter roof damage around KnoxvilleIce dams, snow and ice storm roof damage in Knoxville, the foothills and Sevier County cabins: how they form, what Tennessee policies cover, prevention.

Hiring a roofer and avoiding scams

How do you avoid storm chasers and roofing scams?How to spot storm chaser roofing scams in Knoxville: door knockers, deductible offers, contracts to sign on the spot, and what Tennessee law says.What is an assignment of benefits on a roof claim?What an assignment of benefits (AOB) is on a roof insurance claim in Tennessee, what you give up when you sign one, and questions to ask first.Checking a roofer in Knoxville and East TennesseeHiring a roofer around Knoxville: Knox County home improvement and state license thresholds, Tennessee roofing law disclosures, insurance and contracts.