"We would give them 10 stars if possible! The Metal Roofers are reliable, detail-oriented, and family-owned. They worked with our insurance adjusters to smooth out the entire process. The work was completed on time, and cleanup left no debris. We are extremely happy with our brand new steel roof and highly recommend them!"
Insurance Claim Assistance
Navigating storm damage doesn't have to be stressful. We help you manage the entire insurance process from inspection to installation.
We help Nashville homeowners file, document, and complete metal roof insurance claims for hail, wind, and storm damage, then replace that roof with a full metal roofing system built for Middle Tennessee, not a temporary patch. Our team inspects the damage, helps you understand your policy language in plain English, communicates with the adjuster on the roof, and installs a complete metal roof assembly once the claim is approved.
Licensed and insured, BBB A plus accredited, and committed to using metal made in the United States, The Metal Roofers have completed more than one thousand metal roofing projects across Tennessee. We back our residential metal roofs with a written lifetime workmanship warranty and offer straightforward financing for qualified homeowners who want to upgrade to metal while using their Nashville roof insurance benefits the right way.
Licensed and insured, BBB A plus accredited, and committed to using metal made in the United States, The Metal Roofers have completed more than one thousand metal roofing projects across Tennessee. We back our residential metal roofs with a written lifetime workmanship warranty and offer straightforward financing for qualified homeowners who want to upgrade to metal while using their Nashville roof insurance benefits the right way.
How Roofing Insurance Process Works in Nashville and Middle Tennesseee for Homeowners
After a storm in the Nashville area, take clear photos and notes as soon as it is safe.
When the weather settles in Nashville, Brentwood, Franklin, Murfreesboro, Hendersonville, Gallatin, Mt Juliet, Smyrna, and Lebanon, start with ground level photos that show each side of the home and the address number so the location is clear, then add close ups of gutters, downspouts, ridge caps, vents, pipe boots, wall transitions, and any soft metal like AC fins or a mailbox where hail dents are easy to see. If you noticed drips or stains, take pictures of ceilings, attic sheathing under valleys, and any swollen trim so the timeline of water entry is obvious. Save everything in one storm folder named with the storm date and your neighborhood, create simple subfolders for exterior, roof, interior, invoices, and emails, and give each file a plain name like west slope valley metal or kitchen ceiling stain so you can find it again. Good photos taken early are the backbone of a clean metal roof claim in Greater Nashville because they show what the storm actually did, not what people remember later.
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Before you talk numbers, let a local metal roof specialist document what changed on the roof.
Metal behaves differently than shingles in Middle Tennessee weather, so it helps to have roof level photos and a short summary from someone who works with standing seam, classic panel, and metal shingles in Davidson and Williamson County conditions. Ask for notes on panel type and gauge, on fastener back out, on coating or paint finish condition, and on the places storms tend to move water, valleys, headwalls, sidewalls, kickouts, chimneys, skylights, and penetrations. If the attic is safe, a quick look for tracks under valleys and around pipe boots can confirm whether wind driven rain made it inside. A two page summary with the address, the inspection date, and clear language that says what is storm related and where it sits on the house is easy to share and keeps everyone focused on the same details across Nashville and the surrounding towns.
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When you open a claim in Nashville, keep the first call short and start a tidy paper trail.
Use your photos and the inspection summary to make the opening simple, give the storm date, give the address, and say you will attach a few photos that show dents in soft metal and any interior stain you found, then ask for the claim number and the inspection appointment to be sent by email so you can file it in your storm folder. After widespread Middle Tennessee weather, carriers often work in the order claims are opened, so having your date, address, photos, and summary ready helps the file move without confusion. Save the email you send, save the email you receive, and keep using that same thread every time so the whole story of your Nashville metal roof claim lives in one place you can find.
On inspection day in Greater Nashville, walk the property with the adjuster and point to what the photos already show.
You do not need to climb a steep or slick roof, staying on the ground is fine, the goal is to review one side at a time and make sure the file reflects what the storm touched. Start with the side that faced the wind, point out dents in gutters and downspouts, creased panels at eaves, scuffs where seams lifted, and any place you had to place a tarp, then ask for a careful look at valleys, headwalls, sidewalls, and penetrations on that slope before you move to the next. In neighborhoods across Nashville, Brentwood, Franklin, Murfreesboro, and Hendersonville, this calm walk keeps the conversation focused on real locations on the house and helps the scope match the roof you actually live under. When the visit ends, drop any new photos into your storm folder and write a short thank you email that lists the areas you reviewed so the notes in the claim match the places you discussed.
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When the estimate arrives, match each line to a Nashville ready metal roof detail that exists on your home.
Read the estimate like a map of your roof, not just a list of numbers, and look for the parts a Middle Tennessee metal roof usually needs, underlayment in valleys and at eaves where the panel manufacturer calls for it, fasteners that fit the panel profile with spacing that matches the specification, sidewall and headwall flashing named on paper where walls meet roof, kickout flashing noted where walls meet eaves, pipe boots that are made for metal panels rather than for shingles, ridge and hip components listed by name, and sealants that are compatible with the paint finish. Hold your photos in one hand and the estimate in the other and check for one to one matches, a chimney on the house should mean chimney flashing or counterflashing on the paper, a long valley on the house should mean valley metal and high temperature self adhered membrane beneath it if the manufacturer requires it, a wall transition on the house should mean headwall or sidewall flashing and a kickout to move water into the gutter. If your city or county requires a permit or inspection, such as Metro Nashville or cities in Williamson County, that step should be listed too. If an item is missing or mislabeled, send a friendly note with a photo that says what needs to be added, and keep the tone neighborly because the goal is simply to align the paper with the roof.
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Plan the payments and paperwork like a Nashville homeowner who wants a smooth finish and a clean file.
Most claims in Tennessee pay an initial actual cash value and release the recoverable depreciation after the work is finished and documented, your deductible is your share, and any upgrades you choose are also your share. A plain example keeps it clear for families in Nashville and surrounding towns, if the approved replacement cost is 24,000 dollars, the deductible is 2,000 dollars, and depreciation is 6,000 dollars, the first check is commonly 16,000 dollars, after the job is complete and you send a final invoice and a set of clear completion photos from all four sides, the last 6,000 dollars is released, total received is 22,000 dollars, out of pocket is the 2,000 dollar deductible plus any upgrades such as moving to standing seam, stepping up to 24 gauge, or choosing a higher performance finish. Keep one folder with the estimate and approvals, a one page materials sheet that lists panel profile, gauge, color name and code, and each flashing by name, any permit and inspection papers, four sets of photos that show tear off and deck, underlayment and valley metal, panels and flashings being installed, and the final ridge and cleanup, and the final invoice with a zero balance when it is paid.
Here's What You Should Know Before Filing a Roofing Insurance Claim
Storm damage on a Nashville metal roof is more than surface marks, it shows up as changes that affect how the roof sheds water and handles wind.
Across Nashville, Brentwood, Franklin, Murfreesboro, Hendersonville, Gallatin, Mt Juliet, Smyrna, and Lebanon, real hail and wind damage usually leaves a pattern you can point to, dents in soft metals like gutters and downspouts, creased panels along eaves where wind tugged at seams, fastener back out on exposed fastener panels, coating or paint loss at impact points, and water stains below valleys or penetrations. Photos that show these specific changes make a stronger record than general shots of scuffs, and they help everyone stay focused on the parts of the metal roof that actually protect the home in Middle Tennessee weather.
A local inspection from a Nashville metal roof specialist helps the claim file reflect the roof that is on your house.
Metal systems in Middle Tennessee include standing seam, classic or exposed fastener panels, and metal shingles, and each behaves differently in wind, hail, and heavy rain. A Nashville based inspector who works with these profiles will document panel type and gauge, fastener condition, coating and paint finish, and the flashings that matter most in our area, valleys, headwalls, sidewalls, kickouts, chimneys, skylights, and penetrations. A short, photo rich summary written in plain language makes it easier for adjusters to understand what changed on a real roof in Davidson, Williamson, Rutherford, Sumner, and Wilson counties.
The type of coverage and the kind of deductible on a Tennessee policy influence how payments are released and what a homeowner pays.
Many policies in the Nashville area use replacement cost value or actual cash value, and some apply a percentage wind or hail deductible rather than a flat amount. Replacement cost value aims to fund approved repairs to pre loss condition after the deductible, while actual cash value subtracts depreciation up front and releases that depreciation after completion when paperwork and photos are provided. Knowing which one you have, and whether the deductible is a set dollar amount or a percentage of dwelling coverage, helps you set a simple budget for the work you choose to authorize.
Local code requirements in Metro Nashville and nearby cities can add materials and steps that belong in a complete scope.
Jurisdictions in and around Nashville may require permits, inspections, and specific details for metal roofs, including high temperature self adhered underlayment in valleys for certain panels, correctly sized kickout flashing where walls meet eaves, chimney counterflashing, and ventilation that meets current standards. If a permit office requires an item, that step belongs on the estimate so the paper matches the work. A line or two with a code citation or a manufacturer detail usually keeps the file tidy for both the homeowner and the carrier.
Supplements and pricing updates are a normal way to align an estimate with Middle Tennessee metal roofing in a changing market.
After big storms, pricing tools sometimes lag behind actual costs for panels, trims, flashings, and specialized labor in Davidson and Williamson County. It is common for a contractor to submit a supplement with photos, product cut sheets, and a short note that explains why a line needs to be added or a price needs to be updated. Clear documentation and a neighborly tone usually move these adjustments along, and the goal is always the same, make the paper match the roof that is on the house.
A storm claim can be the moment a Nashville homeowner chooses a smarter metal roof upgrade that fits the home and the climate.
Insurance generally funds like for like, and many families decide to pay the difference to move from exposed fastener panels to standing seam, to step up to 24 gauge steel on key slopes, or to select a higher performance paint finish that holds color and gloss longer in Tennessee sun. Upgrades like properly placed snow guards over entries on smooth panels, better pipe boots made for metal, and well detailed valleys and kickouts can also improve day to day performance. Choosing upgrades during a claim keeps crews, materials, and paperwork on a single path, and it leaves the home better prepared for the next round of Middle Tennessee weather.
1 month ago
Megan Hart
I had no idea where to start after the hailstorm last spring. The Metal Roofers came out, did a full inspection, and actually showed me on my phone where the damage was so I could understand it. They walked me through my policy in plain English, helped me file the claim, and then met the adjuster on the roof so I didn’t have to argue about anything. Insurance originally tried to approve just a repair, but they pushed back with photos and measurements and got a full replacement approved. Now I’ve got a standing seam metal roof instead of 10-year-old shingles, and it was all handled through my Nashville home insurance. Couldn’t be happier with how easy they made the whole process.
9 weeks ago
Daniel Brooks
Wind peeled shingles off the back of our roof and we were overwhelmed with the idea of dealing with insurance. The Metal Roofers took over the hard part. They documented everything, sent us a simple summary we could submit, and then handled all the detailed conversations with the adjuster. They even caught a couple of missed line items on the first estimate and got them added. Once the claim was finalized, their crew showed up exactly when they said they would and installed a beautiful metal roof in two days. No surprise costs, no games, just straight answers and real help using our policy the right way. I recommend them to anyone in Nashville who’s nervous about the insurance side of a roof claim.
Aug 12, 2021
Patsy Gulley
I recommend this company to anyone that needs an affordable price and financing! I had a great experience ! The owner came out and gave me all the informative answers I needed. The materials were delivered and the crew showed up the next day on time. From 6:00 till 5:00 I have a new roof! Call Mitch and set up an appointment you won’t regret!
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Aug 12, 2021
Alena Brown
These guys were amazing!! Material was dropped off in the morning and by 2 pm they were finished and everything was cleaned up. We even got the new 6 inch gutters with the screens and it looks fabulous. Financing was very simple, payments are affordable and the owner himself came out to our house for final inspection. Couldn't have asked for better service.
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Aug 12, 2021
Betty Byrne
We researched and got quotes from several different roofers. We are so glad we chose to work with The Metal Roofers. They were responsive, up front and honest. Our roof looks amazing! We could not be more pleased with the finished roof and their professionalism from start to finish!
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Aug 12, 2021
Frank Curry
We are completely satisfied with our new metal roof and gutters with screens. Workers were knowledgeable of their craft and the entire process was completed in a timely manner. They were respectful of us and our property. A huge thanks to Mitchell Jon and crew. We could not have expected a better outcome.
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