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

During a recent storm, a tree fell on the roof, causing damage to the chimney.  The chimney fell over and damaged the roof.  The insurance company will be looking at how to pay for the damages to this property.  Litespeed Construction can help pull an insurance scope together for this storm damage work.

Insurance claim: Tree caused roof damage

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    Matching Law in TN

    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.

     

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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

    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.

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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 damage the 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 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.

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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 Impacted

    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.

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