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What to do when a tree falls on your roof Knoxville, TN.

During a recent storm a tree fell on the roof causing damage to the chimney.

Insurance claim: Tree caused roof damage

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    Matching Law in TN

    The point of the matching law to have a guideline for when an attempt is made to match the old and new shingles, and the result is not acceptable match. The Matching Law states that faded, discolored, discontinued, or even weathered looking shingles would all require the insurance company to replace the items in full if there is not reasonable Kind-Like-Quality match.

     

    Picture of the matching law for the state of tennessee says how interior and exterior damage area should be replaced to match

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    This is the Chimney that Fell

    Rubble from the Damages from Storm Damages Gutter and Roof Edge Damages

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  3. 3
    This Portion of the Roof is not Damaged from Storms

    Only portion of roof that was damage from the storms appears to be near the chimney which is the west facing slope. The other slopes are still old shingles but they do not appear to have noteworthy 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 properly compensate and restore a home like this.

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Tree Damages Roof

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    This Old Gutter is In Bad Shape

    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.

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    Membrane Roof not Impacted by Storm

    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 damages roof.  Doubtful Insurance will intend to pay any money for this portion since it is not damaged.

     

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A Roof with Storm Damages to Only 1 Side

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    Checking the Deck Boards Were the Roof was not Damaged

    Roof deck boards has big gaps

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

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    The East Facing Portion of Roof was not Damaged by Storms

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

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Tarps Over Storm Damages to Roof

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    Existing Chimney was Struck by a Tree

    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.

    Chimney is in rubble from tree impact

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    This Damage is from Tree Hitting a Chimney

    The roof eve was damaged by falling chimney

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    The Roof Deck Boards are Impacted Here

    The Roof Boards are Comprimised here not Surprising Deck Boards are ImpactedThe fact that these areas have impact to the deck boards is not surprising. These boards appear to be very old and the rest of the roof deck was checked.

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