Tennessee: roofing claims & canvassing rules.

This page lists the Tennessee rules that decide how a roofing contractor may work an insurance claim and canvass a storm-hit neighborhood: who licenses contractors, whether a roofing licence is required, where the state stands on assignment of benefits, whether contractors are barred from acting as adjusters, what the deductible and matching rules are, and what door-to-door solicitation and rescission rights apply.

It is built for owners of residential roofing companies working storm and retail jobs. Every entry is a snapshot of what the cited source published on the verification date; it is a research starting point for your own confirmation, not legal or insurance advice.

Tennessee, field by field.

Contractor licensing authority

Tennessee Department of Commerce and Insurance — Board for Licensing Contractors (Tenn. Code § 62-6-104 per NICB compendium). Roofing above the state contract-value threshold requires a contractor licence; a separate Home Improvement licence applies in certain counties. Confirm both.

Roofing licence required

State licence

Assignment of benefits (AOB)

Not verified. No Tennessee assignment-of-benefits statute was located in this pass. That is not the same as 'AOB is fine here' — whether a post-loss assignment binds the carrier normally turns on the policy's anti-assignment wording and on state case law. Do not take an AOB on the strength of this row.

Contractor-adjusting prohibition

Not verified for Tennessee. This pack does not assert where Tennessee draws the line between documenting a roof and adjusting a claim. Public-adjuster licensing is issued by the insurance regulator, not the contractor board — put the question to the Tennessee Department of Commerce and Insurance in writing before you negotiate, interpret coverage, or advise the homeowner on what the policy owes.

Deductible rule

Not verified. No Tennessee statute prohibiting a contractor from waiving, rebating or absorbing the homeowner's deductible was located in this pass. Absorbing a deductible can also be attacked as insurance fraud independent of any roofing statute. Confirm before you ever discount for it.

Matching rule

[SECONDARY] Tenn. Comp. R. & Regs. 0780-01-05-.10(1)(b): under a replacement-cost policy, where replaced items do not match in quality, colour or size, the insurer shall replace items so as to conform to a reasonably uniform appearance. [SECONDARY] Matthiesen, Wickert & Lehrer 50-state matching chart, last updated 2022-01-13 (mwl-law.com). Not checked against the primary text this pass. That chart also mis-cites Kentucky's matching reg as '906 KAR' when the primary source shows 806 KAR — assume it can be wrong.

Solicitation / rescission

Federal floor: FTC Cooling-Off Rule, 16 C.F.R. §§ 429.0–429.1 — a door-to-door sale of $25 or more agreed at the buyer's home carries a 3-business-day right to cancel, with a narrow exemption where the buyer initiated the call for emergency repairs and signs a dated waiver. Checked at law.cornell.edu, 2026-08-15. State law can add to this floor; it cannot take it away. Tenn. Code Ann. § 62-6-602 gives a cancellation right where the person has received written notice from the insurer that all or any part of the claim or contract is not a covered loss under the policy; § 62-6-603 sets the required 10-point boldface contract notice. The NICB compendium reports the window as 'before midnight on the 3rd business day' after that written notification — the exact window was NOT confirmed against the primary text this pass. Confirm before you print it on a contract.