In Hester v. State Farm Fire & Casualty Co., 2025 U.S. Dist. LEXIS 174539 (M.D. Tenn. Sept. 8, 2025), the Middle District of Tennessee declined to take a disputed roof‑replacement case away from a jury, holding that factual questions remain when an insurer insists repairs can be made with “matching” shingles and the policyholder
In Nashville Communications, Inc. v. Auto-Owners Insurance Company, the Middle District of Tennessee addressed a dispute many commercial policyholders face after wind or hail losses: when an insurer concedes limited damage and an appraisal later determines the repairs require a much larger scope, is the resulting award binding? The court said yes.
The loss