Tennessee’s Most Common Weather-Related Insurance Disputes: What You Need to Know

Tennessee’s weather is as unpredictable as it is varied. From tornadoes sweeping across the state to floods and winter storms wreaking havoc, the Volunteer State sees its fair share of natural disasters. Unfortunately, many Tennesseans find themselves facing unexpected battles with their insurance companies after filing weather-related claims. Let’s explore the most common weather-related insurance disputes in Tennessee and what you can do to protect yourself.

1. Tornado Damage Claims

Tennessee ranks high among states impacted by tornadoes, especially during the spring and fall. Tornadoes can cause extensive damage to homes, including roof destruction, shattered windows, and structural damage.

Common Disputes:

• – Insurers claiming damage was caused by pre-existing issues rather than the tornado.
  – Lowballing the cost of repairs, particularly for roofing materials.
  – Denying claims for debris removal or temporary housing.

How to Protect Yourself:

• Document the condition of your property before storm season and keep receipts for temporary fixes you may need, such as tarps or hotel stays.

2. Flood Damage Denials

Heavy rains and overflowing rivers frequently lead to flooding in Tennessee. However, most standard homeowners insurance policies exclude flood damage, leaving policyholders reliant on separate flood insurance.

Common Disputes:

• – Misclassification of water damage as a maintenance issue rather than flood-related.
  – Denials based on technicalities in the policy, such as disputes over ‘rising water’ versus ‘drain backups.’

How to Protect Yourself:

• If you live in a flood-prone area, invest in a flood insurance policy through FEMA’s National Flood Insurance Program (NFIP) or a private insurer.

3. Winter Storm and Ice Damage

Tennessee winters can bring freezing rain, snow, and ice, leading to burst pipes, roof collapses, and vehicle damage.

Common Disputes:

• – Denial of claims due to alleged “neglect,” such as failing to keep the heat on or maintain the property.
  – Refusal to cover damages caused by ice dams or frozen gutters.

How to Protect Yourself:

• Insulate your pipes and ensure proper maintenance of your home during winter months. If a storm causes damage, take immediate steps to mitigate further issues and document your actions.

4. Windstorm Disputes

Severe thunderstorms with high winds can cause roof damage, knock over trees, and lead to broken fences or windows.

Common Disputes:

• – Insurers denying coverage for tree removal unless the tree caused structural damage.
  – Claiming wind damage is ‘cosmetic’ and not covered by the policy.

How to Protect Yourself:

• Review your policy to ensure you understand the coverage for windstorms and whether it includes damage caused by falling trees.

5. Hail Damage Disagreements

Hailstorms are not uncommon in Tennessee and can cause significant damage to roofs, vehicles, and siding.

Common Disputes:

• – Disputes over whether the hail damage is severe enough to warrant a full replacement versus minor repairs.
  – Claims that the damage is due to normal wear and tear.

How to Protect Yourself:

• Hire an independent contractor or roofing expert to assess the damage if your insurer disputes the extent of the claim.

Steps to Take When Facing a Weather-Related Insurance Dispute

If you find yourself at odds with your insurance company after a Tennessee storm, here are steps to protect your rights:

1. Review Your Policy: Understand your coverage, including exclusions and limits.
   2. Document the Damage: Take photos and videos of all affected areas before making any temporary repairs.
   3. Get a Second Opinion: Hire an independent contractor or public adjuster to evaluate the damage and provide an unbiased estimate.
   4. Appeal the Denial: If your claim is denied, request a detailed explanation and submit an appeal with supporting documentation.
   5. Consult an Attorney: If your insurer acts in bad faith, a Tennessee attorney experienced in insurance disputes can help you recover what you’re owed.

Call Us Today to Protect Your Rights

Weather-related disasters are stressful enough without the added burden of fighting your insurance company. If you’re dealing with a claim denial, delays, or bad faith practices from your insurer, we’re here to help. Contact Grimmett Law Firm, PLLC, at (615) 933-8000 for a free consultation. Let us fight to get you the compensation you deserve.

Tennessee weather may be unpredictable, but your rights as a policyholder shouldn’t be. Call us today!