Home Insurance For Tennesseans

Many Tennessee policies now include roof depreciation or separate wind and hail deductibles. That means your settlement may be based on the roof’s age, not full replacement cost. We explain your coverage upfront so there are no surprises after a storm.

Tennessee roof claims depend on your policy type. Replacement cost policies pay the full cost to replace your roof without deducting for age or wear. Actual cash value policies subtract depreciation, meaning you receive less the older your roof is. Many carriers now use a depreciation schedule, especially for roofs over 10 years old. We help you understand your roof coverage before a storm hits.

Most homeowners policies exclude flood damage, earth movement, and wear-and-tear. High-value items like jewelry, art, or collectibles are often under-covered under standard personal property limits. Many policies also cap coverage for detached structures and limit liability for certain dog breeds. We review your policy to identify and close these gaps with appropriate endorsements or riders.