Tennessee roofing supplement law (2026)
Tennessee Code §56-7-130 (2014) requires carriers to repair or replace with materials of like kind and quality. Courts have interpreted this to include matching when partial repair would create visible mismatch.
Tennessee Code §56-7-130 (2014) requires carriers to repair or replace with materials of like kind and quality. Courts have interpreted this to include matching when partial repair would create visible mismatch.
Both available.
Recoverable depreciation released on completion.
1 year from date of loss for property claims under most TN policies — verify policy terms.
Tennessee licenses public adjusters separately from contractors.
Tennessee adopts the 2018 IRC. Code upgrades covered under Ordinance & Law.
Top carriers in Tennessee
- State Farm
- Farmers
- Allstate
- Tennessee Farmers
- USAA
Tennessee Farmers (regional) pays supplements promptly.
Pro tips
- Cite TN §56-7-130 for matching disputes.
- Spring hail season is the busiest — pre-stage materials in March.
Frequently asked questions
Does Tennessee require roof matching?
Yes — Tennessee Code §56-7-130 requires carriers to repair or replace with materials of like kind and quality, which courts have applied to support matching claims.
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