Is Tennessee a Matching State for Shingles?
When it comes to roofing, Tennessee homeowners have an advantage that many other states do not. Tennessee is considered a “matching state” for shingles, which means that insurance companies are required to cover the cost of replacing your entire roof if storm damage occurs and your shingles have been discontinued. This can save homeowners thousands of dollars and ensures that their roof remains structurally sound and visually cohesive.
In this blog, we’ll break down what it means to be a matching state, why discontinued shingles can complicate repairs, and what to do if your insurance company denies your claim. We’ll also explain how Restoration Roofing, a trusted roofing contractor in Tennessee, can help fight for your rights with a 96% success rate in getting storm-damaged roofs approved by insurance.
What Does It Mean to Be a Matching State?
In Tennessee, matching state laws require insurance companies to provide coverage for roof replacements when damaged shingles cannot be matched due to discontinuation. This ensures that the homeowner’s roof maintains its functionality, aesthetic, and property value.
Here’s how it works:
- If your shingles are damaged during a storm and the exact type, color, or style of shingle is no longer manufactured, your insurance company is obligated to replace the entire roof.
- This protects homeowners from having a roof with mismatched patches, which can be both unsightly and structurally problematic.
This law benefits homeowners by ensuring their property is fully restored to its pre-damage condition, both in appearance and functionality.
What Are Discontinued Shingles?
A discontinued shingle is a roofing material that is no longer manufactured or readily available on the market. Over time, manufacturers discontinue certain shingle lines due to advancements in roofing technology, changes in style preferences, or company decisions to streamline production.
How Do Discontinued Shingles Impact Roof Repairs?
- Limited Availability: If a shingle line has been discontinued, it becomes nearly impossible to source replacements for repairs.
- Aesthetic Concerns: Mismatched shingles stand out, diminishing curb appeal and potentially affecting the resale value of your home.
- Warranty Issues: Mixing old and new shingles can void existing warranties, as manufacturers typically require uniform materials for coverage.
Why Nonmatching Shingles Won’t Work
Installing mismatched shingles may seem like a quick fix, but it comes with significant downsides:
1. Structural Risks
Mismatched shingles often have different thicknesses, weights, and installation methods, which can compromise the structural integrity of your roof. This can lead to uneven weight distribution and potential leaks.
2. Aesthetic Issues
Mismatched shingles create an inconsistent appearance that lowers your home’s overall value. A roof with different shingle styles can look patchy and unprofessional.
3. Insurance Concerns
Many insurance companies will argue for partial repairs rather than full replacements, but mismatched shingles can lead to long-term issues that require more frequent repairs. Tennessee’s matching state laws prevent insurance companies from leaving homeowners with a piecemeal roof.
How to Find a Roofer for Storm Damage
After a storm, finding the right roofer is critical to ensuring your roof is properly assessed and repaired. Here’s how to choose a roofer who can handle storm damage claims effectively:
1. Look for Local Experience
Choose a roofer with a strong presence in Tennessee and extensive experience with local weather patterns and building codes. Restoration Roofing is based in Collierville, TN, and specializes in storm damage repairs.
2. Verify Certifications
Check that the roofer is certified to work with high-quality materials, such as Atlas shingles, and is knowledgeable about insurance claim processes.
3. Check Reviews and References
Read customer reviews and ask for references to ensure the roofer has a proven track record of successful projects and satisfied clients.
4. Ask About Free Inspections
Reputable roofers, like Restoration Roofing, offer free roof inspections to assess storm damage and determine if your shingles have been discontinued.
What to Do If Your Insurance Says There Is a Match (When There Isn’t)
Insurance companies may sometimes claim that a suitable match exists for your shingles, even when the available options are not identical. Here’s how to handle this situation:
1. Request Proof of Matching
Ask your insurance company to provide documentation or samples that prove the shingles are a true match in terms of style, color, and material.
2. Get a Professional Roofer’s Opinion
A trusted roofer like Restoration Roofing can provide a professional assessment to confirm whether the shingles are truly discontinued. They can document their findings with photos and written reports.
3. File an Appeal
If your insurance company denies your claim, you have the right to appeal. A roofer experienced in insurance negotiations can help you navigate this process.
4. Consider Legal Support
If necessary, consult with an attorney specializing in insurance claims to ensure your rights are protected.
How Restoration Roofing Can Help
Restoration Roofing has extensive experience helping Tennessee homeowners navigate the complexities of storm damage and insurance claims. Here’s why we’re the best choice for your roofing needs:
1. Free Roof Inspections
We offer thorough, no-obligation roof inspections to assess storm damage and determine if your shingles are discontinued. Our detailed reports include photos and written assessments that can support your insurance claim.
2. 96% Success Rate with Insurance Claims
With a 96% success rate, we specialize in getting storm-damaged roofs approved by insurance companies. Our team knows how to work with adjusters and document claims effectively to ensure our clients receive the coverage they deserve.
3. Expert Negotiation with Insurance Companies
We understand the tactics insurance companies use to deny or minimize claims. Our team advocates on your behalf, ensuring that your roof is fully replaced when a match cannot be found.
4. High-Quality Workmanship
As a trusted Collierville, TN roofer, we pride ourselves on delivering top-notch craftsmanship and using the best materials available. Whether it’s a full roof replacement or storm damage repair, we guarantee exceptional results.
5. Peace of Mind
From the initial inspection to the final shingle, we handle every step of the process, giving you peace of mind during a stressful time.
Work With Restoration Roofing
In Tennessee, being a matching state for shingles is a significant advantage for homeowners. If your shingles have been discontinued due to storm damage, your insurance company is required to cover the cost of a full roof replacement. However, navigating the claims process can be challenging without the right support.
Restoration Roofing is here to help. With free inspections, expert negotiation skills, and a 96% success rate in getting storm-damaged roofs approved by insurance, we’re the trusted roofing partner you need. Don’t let storm damage leave you with a mismatched roof—contact Restoration Roofing today to schedule your free inspection and ensure your home is fully protected.
For all your roofing needs, trust the experts at Restoration Roofing. We’re more than just a Collierville TN roofing company; we’re your partners in home protection. Contact us today!
Give us a call at 901-854-3402 or fill out our Contact Us form and we will reach out to you with our next available inspection. Make sure to follow us on Facebook and Instagram for more tips on finding the best roofing contractor for you.
