Water damage restoration in Tennessee
- 752 ZIP codes covered in Tennessee
- 2 city guides
- Free referral, no obligation
What causes water damage in Tennessee
Flash and river flooding
Nashville's May 2010 flood put the Cumberland River into thousands of homes, and smaller creek floods happen most years.
Severe storms and tornadoes
Wind and hail damage roofs across Middle and West Tennessee, letting rain into attics and ceilings.
Freeze damage
Cold snaps like December 2022 burst pipes in crawl spaces, attics and exterior walls.
Homes and how they are built
Crawl spaces are the most common foundation, with basements on sloping lots in East and Middle Tennessee and slabs in newer subdivisions and around Memphis. Nashville's rapid growth means many homes built since 2000 with upstairs laundry and bathrooms.
When it happens
Severe weather peaks March through May, with a second season in late fall. Freezes run December through February.
Rules and insurance in Tennessee
Contractors are licensed by the state Board for Licensing Contractors above a set contract amount.
In every state, homeowners insurance excludes rising floodwater, which needs a separate flood policy. See what homeowners insurance covers.
Where we can connect you in Tennessee
As of October 5, 2026, independent restoration companies in our network cover 752 ZIP codes in 524 cities and towns in Tennessee. Coverage changes often, so check your ZIP code.
City guides in Tennessee
Memphis
Midtown, East Memphis, Cordova
61 ZIP codes →Nashville
East Nashville, Germantown, Bellevue
41 ZIP codes →Covered places include: Memphis, Nashville, Knoxville, Chattanooga, Murfreesboro, Johnson City, Kingsport, Clarksville, Franklin, Lebanon, Cookeville, Jackson, Cleveland, Maryville, Crossville, Millington, Morristown, Bristol, Germantown, Shelbyville, Greeneville, Cordova, Hendersonville, Collierville, Brentwood, Columbia, Mount Juliet, La Vergne, Oak Ridge, Sevierville, Goodlettsville, Dickson, Dyersburg, Athens, Elizabethton, Manchester.
Services most relevant in Tennessee
Storm and flood cleanup
Rising water, flash floods and water driven in by storms.
Learn more →
Crawl space drying
Standing water and damp framing under the house.
Learn more →
Burst pipe cleanup
Frozen and failed pipes, supply lines and fittings.
Learn more →
Storm and roof leak water damage
Hail, wind, ice and heavy rain getting in through the roof.
Learn more →See all water damage services or what to do in an emergency.
Tennessee at a glance
- Region
- South
- Main causes
- Flash and river flooding; Severe storms and tornadoes; Freeze damage
- ZIP codes we cover
- 752
- Cities and towns covered
- 524
- Coverage data as of
- October 5, 2026
Questions from Tennessee homeowners
Is flood damage covered by homeowners insurance in Tennessee?
No. Many Nashville homeowners flooded in 2010 had no flood policy because they were outside mapped flood zones. Flood insurance is separate.
Why do pipes burst so often in Tennessee freezes?
Plumbing often runs through vented crawl spaces and unheated attics. A day or two well below freezing is enough to split it.
Can a wet crawl space damage my floors?
Yes. Moisture rising from below makes hardwood cup and buckle, and wet insulation holds water against the joists.
Neighboring states
Water damage in Tennessee?
Call and we'll connect you with an independent restoration company that serves your ZIP code. Free, no obligation.