Carol Germann

September 20, 1942February 18, 2021

Carol Germann left this life to join the Lord's heavenly choir on February 18, 2021. Carol loved to sing and had a beautiful soprano voice. She knew the words to hundreds of hymns because, when they were young, she and her sister Gail would sit on their front porch and sing their way through the hymnal.

Carol grew up on Sand Mountain in Alabama. When she graduated from high School. She worked for a year at Peerless Woolen Mills in Rossville in order to save the funds she needed to enroll in the Baroness Erlanger School of Nursing in Chattanooga. While at Baroness Erlanger, she met her future husband, John, through a chance meeting while both were doing favors for friends. It was love at first sight.

After getting her nursing degree, Carol worked as a surgery nurse at the T. C. Thompson Children's Hospital for many years until she quit to raise two daughters. Once the children were both in high school, Carol got a part time job paying medical claims at Provident Life and Accident Insurance Company. This turned into a full time job. When Provident decided to exit the health insurance business, the unit in which Carol worked was ultimately sold to CIGNA. Carol began as a claims adjuster; then, Carol spent several years training claim adjusters before becoming Quality Assurance and Training Coordinator. After Carol retired, she and her husband John took care of John's mother as well Carol's mother while their mothers were at nearby assisted livings.

Carol was preceded in death by her parents, Aubrey Culpepper and Betty Jane Tinker as well as a daughter, Jennifer Germann.

She is survived by her husband of 56 years, John Germann, her daughter, Jill Generazio, grandchildren: Ethan Rutter, Nick Generazio, Mia Generazio and Olivia Generazio, sister, Gail Wade, and brother Michael Culpepper.

There will be a private family service in the Forest Hills Cemetery.

Arrangements are under the care of Chattanooga Funeral Home Crematory and Florist East Chapel, 404 South Moore Rd. East Ridge, TN 37412.

Please share your thoughts and memories at


7 March

Graveside Service

2:00 pm - 3:00 pm

Forest Hills Cemetery

4016 Tennessee Avenue
Chattanooga, TN 37409


Carol Germann

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Ernest Hedgecorth

February 22, 2021

I had the pleasure of working with Carol at Provident. She was a wonderful, caring and intelligent woman. I valued her thoughts and ideas. She was always positive and most pleasant. She is a real loss to all that knew and loved her. John, I know you are hurting now and will remember you and your family in my prayers.