What To Do When A Tree Falls On Your Roof!

This Chimney was struck by a tree and fell on the roof causing damage to the eve of the roof.

There does not appear to be any structural damages other than impact to the edge of the roof.

The fact that these areas have an impact on the deck boards is not surprising. These boards appear to be very old and the rest of the roof deck was checked.

You can see the gaps from this roof deck board. This is the space between two boards that were not joined originally. This is most likely the original deck boards of this home, constructed in the 1930s. It would not be wise to attempt to reef this home without intending to replace the entire roof deck.

This portion of the roof was not damaged by storms. And that is OK. But obviously, this roof is in bad shape and old.

Support of the gutters on this home or damage from the storm. But none of the gutters on this home will survive a roofing job. So it is worth mentioning that our owner should prepare to pay for all new gutters out-of-pocket less the gutters that the insurance company will pay for.

This membrane roof does not appear to be impacted anywhere. It is very old but a roof coating would probably suit this very nicely and be a good solution after we roof over the top of it.

Shingles and debris from the old roof plus construction traffic will damage the roof.  Doubtful Insurance will intend to pay any money for this portion since it is not damaged.

The point of the matching law is to have a guideline for when an attempt is made to match the old and new shingles and the result is not a good match. The Matching Law states that faded, discolored, discontinued, or even weathered-looking shingles would require the insurance company to replace the items in full if there is no suitable Kind-Like-Quality match.

The only portion of the roof damaged from the storms appears near the chimney, which is the west-facing slope. The other pitches are still old shingles but do not appear to have considerable storm damage. This is why we would submit that a matching policy, like the matching policy that the state of Tennessee has adopted, is imperative to compensate and restore a home like this properly.