Water Damage Restoration
Tennessee
IICRC-certified water damage pros across all of Tennessee — serving 13 cities and 0 counties.
13
Cities Covered
0
Counties
$13,954
Avg US Claim
Yes ✓
NFIP Participant
- IICRC Standards
- Answered 24/7
- Ask for the License
- Independent Pros
- No Obligation
Quick answer
Water damage restoration in Tennessee typically runs $1,500–$8,500 for a residential job, against a national average homeowners claim of $13,954. The most common cause here is cumberland river flooding (nashville). Insurance splits the same way everywhere: a sudden burst or appliance failure is covered, water that rose from outside is not, and the difference is decided on what you photograph before anything is moved. Whatever the source, the clock is the same everywhere: mold starts on wet drywall, framing and carpet pad within 24–48 hours, so extraction and measured drying on day one is what keeps a drying job from becoming a rebuild. To hear what a certified company would charge for your address in Tennessee, call (888) 840-6512, answered 24/7.
Press 1 for water damage or 2 for mold, then your 5-digit ZIP. The line goes quiet for about half a minute while it connects — that is normal, stay on. Have ready: the address with ZIP, when the water started, what is wet now, and whether you have opened an insurance claim.
Flood Risk Profile
Why Tennessee Has High Water Damage Risk
Tennessee sits at the intersection of Gulf moisture and cold Canadian air masses — creating extreme severe thunderstorm potential; Nashville's Cumberland River drainage basin collects rainfall from a massive 17,800-square-mile watershed, meaning extreme rain events anywhere in the basin threaten Nashville
- Cumberland River flooding (Nashville)
- Mississippi River overflow (Memphis)
- Spring severe thunderstorm flash flooding
- Inland tropical storm remnant flooding
Notable Events
Major Tennessee Disaster Events
2010 Nashville Flood (1-in-1000-year event, $2.4B, 31 deaths)
2020 Nashville F3 tornado water damage follow-on
2021 Waverly/Humphreys County flooding (20 inches in 24 hours, 20 deaths)
Insurance Info — Tennessee
Tennessee Department of Commerce and Insurance requires 10 business days to accept or deny a claim. Tennessee has no prompt-payment interest penalties (unlike TX) — claims can drag without penalty; document all communications with dates and follow up in writing. TN has no sales tax on restoration services — verify contractors are not charging incorrectly.
Licensing: Tennessee Board for Licensing Contractors; Class A license required for projects over $25,000; mold remediation requires Tennessee Department of Environment and Conservation compliance
Service Areas
Cities We Serve in Tennessee
Click any city for local flood risk data, cost estimates, and IICRC-certified pros.
Nashville
Davidson County
Memphis
Shelby County
Knoxville
Knox County
Chattanooga
Hamilton County
Clarksville
Montgomery County
Murfreesboro
Rutherford County
Franklin
Williamson County
Johnson City
Washington County
Jackson
Madison County
Kingsport
Sullivan County
Hendersonville
Sumner County
Collierville
Shelby County
Bartlett
Shelby County
Official FEMA Records
Tennessee Flood History — Davidson County
Local Pricing
Water Damage Costs in Tennessee
The average US homeowners water damage claim is $13,954 (Insurance Information Institute / ISO, homeowners losses by cause, 2018–2022). Final cost depends on water category, affected area, delay time, and structural damage.
Use our cost calculatorAvg insurance claim
$13,954
US average, III / ISO 2018–2022
Claim frequency
1.61 per 100
Insured homes a year, III / ISO
Minor damage (Cat 1)
$1,500–$4,000
Clean water, small area
Severe damage (Cat 3)
$8,000–$25,000+
Sewage or structural
Water Emergency in Tennessee?
The line is answered 24/7, and the company that takes the job gives you an arrival window for your address
Educational Resources
Guides for Tennessee Homeowners
Who to Call for Water Damage: The Right Order of Calls
Who to call for water damage in your house: stop the water, call a restoration company, open the claim the same day. The order for every situation.
Water Damage: What to Do in the First 60 Minutes
The decisions you make in the first 60 minutes after water damage determine how much you pay, how fast you recover, and whether your insurance claim succeeds. Here's the exact sequence of actions.
Water Damage Insurance Claim: The Complete Guide
Most water damage insurance claim denials happen because homeowners make one of seven preventable mistakes. This guide shows you exactly what to do — and what to avoid — from the moment water appears.
Water Damage Restoration Cost 2026: What You'll Actually Pay
The average water damage restoration costs $3,900 nationally — but ranges from $1,200 to $25,000+ depending on factors most homeowners don't know about before they call.
Tennessee Water Damage — Frequently Asked Questions
What are the biggest water damage risks in Tennessee?
The two that drive most Tennessee claims are cumberland river flooding (nashville) and mississippi river overflow (memphis).
Both are seasonal rather than constant, so the useful move is to check the vulnerable points — supply lines, the water heater, the sump pump and the grade around the foundation — before the season that threatens them, not during it. The full risk profile and the state's notable events are further down this page.
How much does water damage restoration cost in Tennessee?
The national average homeowners water damage claim is $13,954 (Insurance Information Institute / ISO, homeowners losses by cause, 2018–2022). What a job in Tennessee costs depends on the water category and how long it sat.
Minor water damage (Category 1, small area) typically costs $1,500–$4,000. Severe damage involving sewage, flooding, or structural issues runs $8,000–$25,000+.
Does homeowners insurance cover water damage in Tennessee?
Standard homeowners insurance covers sudden and accidental water damage — a burst pipe, an appliance overflow, a roof that lets rain in — and does not cover flooding from outside water, which needs a separate NFIP or private flood policy.
Gradual leaks and deferred maintenance are excluded everywhere. Tennessee has its own rules on top of that, set out in the insurance note on this page, and the exclusions worth reading are the ones in your own declarations page before a loss rather than after.
How quickly can I get a water damage restoration team in Tennessee?
As fast as a crew is free — the line is answered 24/7 and the pro gives you a real arrival window for your address on the call. That window depends on where you are in Tennessee, what time it is, and how many jobs are already running, which is why nobody can promise you a number before they know your address.
Calling early still matters: mold begins growing within 24–48 hours of water exposure, and every hour of standing water widens the damage.
Who do I call right now for water damage?
Call (888) 840-6512. The line is answered 24 hours a day, seven days a week, and connects you with an IICRC-certified water damage restoration company that serves your area. Describe what you can see — where the water is coming from, how long it has been there, and whether it smells — the more specific you are, the faster the right company is on the line.
If the source is a pipe or an appliance, shut the main water valve first. Have four things ready and the call goes quickly: the address, when the water started, what is wet now, and whether you have filed an insurance claim.
Still not sure which of these is your situation? (888) 840-6512 · toll-free · answered 24/7
Reviewed by Marcus Reed, IICRC WRT · Last updated: 2026-06-22
HearthDry is an independent educational resource for Tennessee homeowners. Cost estimates reflect statewide averages. FEMA data is approximate — verify at fema.gov. Always confirm contractor licensing with Tennessee Board for Licensing Contractors; Class A license required for projects over $25,000; mold remediation requires Tennessee Department of Environment and Conservation compliance.