Signs you need a crew now
- Missing shingles, or daylight visible in the attic
- A broken window, door, or hole the rain can reach
- Water running down interior walls or pooling in the attic
- A tree or limb on the roof - stay out of that room
What happens when you call
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Tell us what happened. 30 seconds - what's open to the sky and what's wet.
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You're connected with a local restoration crew while you're on the line.
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The crew confirms timing and your arrival time - tarping and board-up come first.
Why this one can't wait
An opening in the roof turns every following shower into a new loss - and your policy expects "reasonable mitigation," which means tarping and boarding fast, not waiting for the adjuster.
The crew secures the openings, photographs everything for the claim, extracts what already got in, and dries the structure before mold takes the storm's side.
Local to Davidson County
Nashville floods fast - the 2010 and 2021 events proved how quickly creeks take whole neighborhoods, and ordinary thunderstorms flash-flood the low spots every year. Tornado season brings roof and structural damage, and the metro's fast-built growth stock runs slab foundations and attic plumbing that hard freezes catch off guard.
Tennessee policies treat wind and storm openings as standard perils; rising creek or street water is flood insurance, a separate policy many Nashville homeowners learned about the hard way in 2010. Freeze-bursts are covered when the home was reasonably heated.
Serving Nashville, Franklin, Brentwood, Hendersonville, Murfreesboro, Smyrna, and all of Davidson County.
Storm damage questions
Is storm damage covered by insurance?
Wind and hail damage - including the rain that enters through it - is standard homeowner's coverage. Rising water from outside is flood insurance, a separate policy. See the coverage guide.
Should I wait for the adjuster before touching anything?
Generally, no. Most policies require reasonable steps to prevent further damage. Photograph everything first, then, once it's safe, tarp and start drying. Keep receipts and records of what was done before the adjuster's visit.
Can I tarp the roof myself?
Not in the wet or the dark, and not after a storm has loosened things underfoot. Crews carry the gear and the fall protection - it's included in the mitigation the policy pays for.
Creek flooding took the bottom floor - homeowner's or flood?
Rising surface water from outside is typically covered by flood insurance, not a homeowner's policy. Wind-driven rain through storm damage, or a burst pipe, is typically a homeowner's claim. Which way the water entered often decides which policy responds, so photograph entry points and water lines.