Franklin, TN Storm Guide

2025 Hail Damage in Franklin, TN: What Homeowners and Business Owners Should Do Next

In 2025, a hailstorm tracking through Williamson County produced stones up to 2.75 inches in diameter across parts of Franklin, TN. At that size, hail causes functional damage to virtually every asphalt shingle roof in its path — not cosmetic marks, but actual granule loss, cracked tabs, and compromised underlayment that shortens your roof’s remaining life and creates conditions for leaks.

How to Tell If Your Franklin Roof Was Hit

Hail damage is not always visible from the ground. The signs that matter to an insurance adjuster are on the surface of the shingle — and on soft metals like gutters, downspout caps, and HVAC flashing, which dent reliably and give adjusters a baseline for the storm’s intensity at your specific address.

• Granule loss — dark, exposed patches on shingles where protective granules were knocked off by impact
• Bruising — soft, spongey spots in the shingle mat that indicate the fiberglass layer beneath was fractured
• Dented gutters and downspouts — circular dents in soft metal that document the storm’s size and pattern
• Cracked ridge cap — the ridge cap takes impacts at a direct angle and cracks before field shingles do
• Missing shingles — large hail can dislodge full shingles, especially on older roofs with dried-out adhesive strips

Should You File an Insurance Claim?

It depends on the extent of the damage and your deductible. Most Franklin homeowners carry a wind/hail deductible of 1–2% of their insured value — on a $600,000 home, that’s $6,000–$12,000. If the damage assessment comes in close to or below your deductible, a cash pay may be more practical than a claim.

However, functional hail damage that is not repaired or documented can void your manufacturer’s warranty and complicate future claims. Even if you don’t file now, a written damage assessment provides a record of the roof’s condition on the date of the storm.

The Insurance Claim Process for Hail in Franklin

Tennessee is an ACV (Actual Cash Value) vs. RCV (Replacement Cost Value) state — your policy type determines how much you receive before and after the repair. Most modern homeowners policies in Williamson County are RCV, meaning the carrier pays the depreciated value first, and releases the recoverable depreciation (“holdback”) after the work is complete.

• File your claim within your policy’s reporting window (typically 1 year from the storm date)
• Request a copy of the adjuster’s scope and Xactimate report
• Compare the adjuster’s findings to your contractor’s assessment — discrepancies are common and negotiable
• Do not sign a contingency agreement with a contractor before your claim is approved
• Supplement the claim if the approved scope misses line items your contractor identifies

What About Franklin’s HOA?

If you live in an HOA community, you still need architectural approval before replacing your roof — even on a storm claim. Your insurance proceeds are not affected by the HOA review process, but the timeline is. Plan for 2–4 weeks of review before work can begin, and submit your application as soon as your claim is approved. See our Franklin HOA roof approval guide for the full process.

Southern Roofing Co. and Franklin Storm Work

We provide free storm assessments for Franklin homeowners and businesses — documentation-grade inspections that capture every impact point on your roof, gutters, and soft metals in the format insurance adjusters use. We do not chase storms or pressure claims; we give you an accurate picture and let you decide how to proceed.

For a full overview of our services in Franklin, TN — replacement, repair, commercial, and storm — visit our Franklin, TN service area page.