Goodlettsville roofing, from Rivergate to the ridges.

Honest rule of thumb: repair when the roof is under ~15 years old and the damage is localized — a leak around a flashing, a few wind-blown shingles, a puncture. Replace when the roof is nearing the end of its lifespan, damage is widespread, repairs are recurring, or a storm compromised enough of it that insurance is already involved.

The math matters too: three $800 repairs on a 19-year-old roof is worse than putting that money toward the replacement you'll need soon anyway.

We quote both paths when both are viable, with photos of what we found, so the decision is yours with real information. We do plenty of repairs — we're not a "replacement only" shop.

Rules of thumb for our climate — hot humid summers, freeze-thaw winters, and real storm exposure:

• 3-tab asphalt shingles: 15–20 years
• Architectural shingles (e.g. GAF Timberline HDZ): 22–28 years
• Premium/designer shingles: 25–30+ years
• Standing-seam metal: 40–60 years
• Commercial TPO: 20–30 years

Storms shorten all of these — a roof that's "only" 12 years old can absolutely be done after a bad hail season. Past 15 years, an annual inspection is cheap insurance; past 20, start planning the replacement on your schedule instead of the weather's.

The short version: document, file, adjust, build.

1. Free inspection first. We assess the roof and photograph every bit of storm damage. If the damage doesn't justify a claim, we tell you straight — filing a weak claim can count against you.
2. You file the claim. You call your carrier (or file online) and report the date of the storm. We can be on the phone with you if that helps.
3. The adjuster visit. Your insurance company sends an adjuster. We meet them on your roof so the damage we documented actually gets seen and scoped correctly.
4. Scope and payment. The carrier issues a scope of work and initial payment (often in two parts — the second arrives after the work is complete).
5. The build. We restore the roof to code with manufacturer-spec installation, then submit the final invoice and documentation to release your remaining funds.

You pay your deductible — nothing more, nothing less. That's the law in Tennessee, and any contractor telling you otherwise is a red flag.