Storms in Tennessee can be as unpredictable as a cat on caffeine. One minute it’s sunny, the next you’re hanging onto your roof for dear life. If you’ve found yourself in the aftermath of such chaos, you might be wondering what your storm damage insurance rights are. Fear not, dear Tennessean, because this guide is here to help you weather the storm—literally.
The Clock is Ticking—How Long Does an Insurance Company Have to Settle a Claim in Tennessee?
When your home looks like it’s been through a blender, the last thing you want is a lengthy wait for your insurance claim to process. In Tennessee, the law provides some specific timelines:
- 120 days: This is the maximum time an insurance company has to settle a claim unless there are valid reasons for requiring a more extended review process.
- 30 days: After concluding the investigation, the insurance company must notify the first-party claimant of the results.
- Final payment: Once your claim is approved, the insurance company has 30 days to make the final payment.
This ensures that you aren’t left in limbo while your home resembles a scene from a disaster movie.
What Will an Insurance Company Cover?
Insurance policies can sometimes feel like decoding hieroglyphics. But don’t worry, we’ve done the homework for you. Most standard homeowners’ policies in Tennessee cover:
- Wind damage: Whether it’s your roof flying into the next county or your windows shattering, wind damage is generally covered.
- Wind-driven rain: Yes, even when the rain is coming at you sideways, you’re still protected.
- Falling objects: Trees, branches, or even that rogue lawn gnome—if it falls and causes damage, you’re covered.
To ensure you’re not caught off-guard, check your policy and give your insurance agent a ring if you have any specific questions.
What Will an Insurance Company Not Cover?
Unfortunately, not all misfortunes make the cut in your standard homeowners insurance:
- Interior water damage: If the storm doesn’t damage your roof or walls but still manages to flood your living room, you might be out of luck.
- Flood damage: Water and insurance don’t mix well unless you have a specific flood insurance policy.
- Tree removal: If a tree falls but doesn’t hit your house, you’ll likely have to handle the removal yourself.
- Food spoilage: A power outage that leaves your fridge as warm as your oven isn’t covered.
- Sewer backups: Gross, yes. Covered, no.
However, some insurers offer endorsements (i.e., additional protections) that cover these gaps. Always check with your agent to determine your needs.
Hiring a Contractor—Your Knight in Shining Tool Belt
After the storm has passed, it’s time to rebuild. Here’s what you need to know when hiring a contractor in Tennessee:
- Licensing: A contractor’s license is required for projects over $25,000. Sumner County and the City of Hendersonville have specific requirements, so check locally.
- Getting bids: Don’t settle for the first knight that rides up. Get several bids and check references.
- Be wary of door-to-door repairs: If someone’s trying to swoop in and save the day with a heavy discount, they might just fly off into the sunset with your money.
- Payment terms: Generally, don’t pay more than one-third upfront. Make sure the terms of payment are in writing.
- Inspection and approval: Ensure your contract allows you to inspect the work before making the final payment.
Why Choose Force Roofing Systems?
If your roof has taken a hit, don’t stress. Force Roofing Systems is here for all your roofing needs. Think of us as the superhero your home deserves. We guarantee quality work, and our services are designed to get you back on your feet—or at least under a solid roof—as quickly as possible.
