Roofing in Knoxville, TN
Storm damage? Here's what to do in the next 48 hours
Don't climb up there. Take photos from the ground, cover anything that's leaking, and call us before you sign anything with a door knocker. We'll inspect for free and tell you straight if it's worth a claim.
- Free drone inspection. Photos you keep either way.
- Written, line-by-line prices. No number scribbled on a card.
- The owner writes every estimate. Ryan Dix, Knoxville.
- Text a photo, get an answer. Same number as the phone.
- Crestone started in Colorado in 2018. Run here by Ryan Dix, who lives in Knoxville.
The first 48 hours
- Take photos from the ground, with the date on them: the roof from each side, shingles in the yard, dents in gutters and downspouts, and anything wet inside.
- Tarp or catch active leaks. A bucket and a towel count. Keep receipts for anything you buy to stop the damage.
- Don't sign anything at the door. A contract signed on the porch the day after a storm is the one people regret.
- Get an inspection before you file. We recommend a free inspection first, so you know whether there's damage worth a claim. Then you call your insurer, because it's your claim.
It happens here
Knox County saw hail up to 1.5 inches on September 4, 2025 (WBIR). An EF-2 tornado hit Knox County on August 7, 2023 (National Weather Service Morristown event summary, weather.gov/mrx/August_7_Tornado_Wind). Most storm damage around here is less dramatic than either: a summer thunderstorm that lifts a row of shingles or bruises one slope you can't see from the driveway.
What we do, and what we don't
We document the damage with dated photos of every slope, write the scope of work, meet your adjuster on the roof and point to every hit, and explain each piece of paperwork as it arrives.
We don't act as your public adjuster or negotiate your claim for you. Tennessee law reserves that job for public adjusters who hold a state license (T.C.A. § 62-6-605). The claim stays yours, and so do the decisions.
Your right to cancel
Tennessee gives you a way out if the claim doesn't go your way. If you sign a roofing contract tied to an insurance claim and your insurer tells you in writing the damage isn't covered, you can cancel until midnight of the third business day after you get that notice (T.C.A. § 62-6-602 and § 62-6-603, read the statute on Justia). Our advice: never waive your deductible, and walk away from any roofer who offers to cover it or pay it back. That puts your claim at risk.
Your deductible
You pay it. We never waive it, cover it, or rebate it. Some policies carry a separate wind or hail deductible, so check your declarations page before the adjuster visit and the number won't surprise you.
Read next
- How a roof insurance claim works in Knox County, step by step.
- Hail damage or wind damage? What each looks like and what to photograph.
- When replacement shingles don't match, and what to ask your insurer.
Storm and insurance questions
After a storm, should I call my insurance company or a roofer first?
We'd get a free inspection first. It tells you whether there's damage worth a claim before anything goes on your record. If there is, you file the claim with your insurer (it's your claim) and we'll document the damage, write the scope, and meet the adjuster on the roof with you. If there isn't, you've lost nothing but an hour.
Will my insurance pay for a replacement roof?
It depends on your policy and on what caused the damage. Insurance generally covers sudden damage, such as hail or wind. It usually leaves out wear and age. Your insurer makes that call. What we can do is give your adjuster clear, dated photos of every damaged area and a written scope, so the decision is made on good evidence.
Who pays the deductible?
You do. Your deductible is your share of the claim, and we never waive it, cover it, or rebate it. If a roofer offers to "take care of your deductible," that's a reason to walk away, because it puts your claim at risk. Some policies carry a separate deductible for wind or hail; check your declarations page so the number isn't a surprise.
Do you work with my insurance company?
We work with whatever company insures your home. We document the damage, write a scope your insurer can read, and meet the adjuster on the roof. We don't negotiate your claim for you; in Tennessee that's the job of a public adjuster who holds a state license. The claim and the decisions stay yours, and we explain each piece of paperwork as it arrives.
What if my claim is denied or only partly paid?
Ask your insurer to put the reasons in writing. Then compare them to the photos. If something was missed, we can re-inspect, take more photos of the specific areas, and help you understand what a re-inspection request should include. Sometimes the denial holds up, and a repair is the right next step.
Can I cancel a roofing contract if my claim is denied?
Yes. Under Tennessee law, if you sign a roofing contract that depends on an insurance claim and your insurer tells you in writing that the damage isn't covered, you can cancel by midnight of the third business day after you get that notice (T.C.A. § 62-6-602 and § 62-6-603). Any payment, other than for emergency repairs already done, comes back to you within 10 business days. Our advice: never waive your deductible, and walk away from any roofer who offers to cover it.
What if replacement shingles don't match the rest of my roof?
It happens a lot, because colors get discontinued and old shingles fade. For a repair, we bring the closest match we can find and show you a photo before we nail it down. After a storm claim, ask your insurer in writing how your policy treats a roof that won't match. Our shingle matching guide goes through your options.
My roof is leaking right now. What do I do?
Put a bucket under the drip and move anything valuable. If the ceiling is bulging, poke a small hole in the lowest point so the water drains into the bucket instead of bringing the drywall down. Take photos. Don't go on the roof in the rain. Then call or text us at (865) 830-8126 and we'll get it covered as soon as it's safe to go up.
Get a free storm inspection
We'll tell you straight if it's worth a claim.
Rather talk? Call (865) 830-8126. Rather text? Send a photo.