We're property damage attorneys for Tennessee homeowners dealing with a tree or limb through the roof. Send us the policy and whatever the insurer has paid or offered. We compare the two and tell you what the tree damage claim is missing.
The roof is the part everyone looks at. The larger costs are often underneath it: framing, wet interiors, damaged belongings and the expense of living elsewhere while the work gets done.
Before you signA release, or a check described as full and final payment, can affect what you can still recover. Send it to us first. The review is free.
What we handle
We handle tree claims across Tennessee, from ice-loaded hardwoods in Nashville neighborhoods to trees thrown by tornadoes and straight-line winds from Memphis to the Tri-Cities.
When a tree breaks through, the repair is structural before it is cosmetic. We check that the insurer's estimate rebuilds the framing and the roof system properly and then restores the ceilings, walls and floors that were damaged along the way.
A neighbor's tree doesn't change where your claim begins. Your own homeowners insurance is generally the policy that pays for your house, and it usually does so without deciding who was at fault. Recovering from the neighbor's insurer, where that's possible, is ordinarily your insurer's job.
Insurers sometimes describe a fallen tree as a maintenance problem. A weak or rotted tree may matter if the question is a neighbor's responsibility. It is not ordinarily grounds for your own insurer to turn down damage to the home. We look at the exclusion cited and whether it fits.
Winter Storm Fern (January 23–26, 2026) glazed Middle Tennessee, and ice-laden trees and limbs snapped across Nashville and the surrounding counties. Tornado seasons do similar damage in a narrower path. If a tree claim from Fern or a later storm is still unpaid or underpaid, we'll review it for free.
After a tree strike, temporary protection matters: a tarp, shoring, or closing off the damaged room. Insurers generally pay reasonable emergency costs as part of the claim. Keep receipts, and take pictures before the crew covers anything.
Tennessee sets fair-claims standards for how insurers handle claims, and most policies carry a suit-limitation clause that sets a deadline to file suit. We check that deadline first.
How it works
Most Tennessee property owners are surprised how little they have to do once an attorney is involved — even with carriers used to taking advantage of policyholders without representation.
Free, confidential conversation. Bring your policy, the carrier's denial letter or estimate, and any photos you took before repairs began. If you've filed FEMA paperwork or a complaint with the Tennessee Department of Commerce and Insurance, bring those records too.
We send our own adjusters and engineers to document the real scope of damage, often the moment things change.
We send the carrier a documented demand that lays out exactly what the loss is worth and where the claim handling fell short. Many cases resolve here — once a carrier sees the full exposure laid out, the offer changes.
If they still won't pay fairly, we file suit in Tennessee state or federal court, with the resources to take it all the way.
Common questions
Most often your own homeowners insurer, under your policy and after your deductible. Where the tree was growing usually doesn't control coverage for your house. Your insurer may decide to go after the neighbor's insurance if the facts support it, but your repairs shouldn't depend on that.
Commonly, if the tree fell on the home or another insured structure, and commonly up to a fixed limit. Trees and limbs that fell elsewhere on the property are treated differently and are often not covered. Because the wording varies, we read the policy before answering for your claim.
An insurer can raise the tree's condition, but it still has to apply the policy as written. Coverage for a tree falling on a house usually doesn't hinge on how healthy the tree was. If your payment was reduced or refused for that reason, ask for the explanation in writing and let us review it.
Document the interior now, before more repairs are made: ceilings, walls, floors, insulation and anything stored below the leak. Interior water damage that follows a covered roof opening is generally part of the same claim. We can present it to the insurer with the support it needs.
No, that's separate. Your auto policy, usually through comprehensive coverage, is where vehicle damage from a tree is claimed. We don't handle car or auto accident claims. We represent homeowners on the damage to the house and other structures.
No fee unless we win. We walk you through exactly how fees and case costs work before you sign anything. The first review is free.
Ready to talk?
Call (844) 776-7364 or send the form for a free review of your Tennessee claim.
