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Tennessee Insurance Claims: Expert Adjuster Solutions

Insurance claim experts for Nashville, Memphis, Knoxville, Chattanooga, and smaller towns across Tennessee. Get a free consultation and find out how much your claim is worth with an expert adjuster from ClaimsMate.

Filing a property insurance claim can be monotonous and tedious. It is also possible to miss out on a large portion of what is owed to you.

Getting Started

Many people choose to live in the beautiful state of Tennessee because of its gorgeous landscape, famous country music, and plethora of attractions. Nashville, the capital city, is home to the Grand Ole Opry and numerous other music venues as well as Vanderbilt University and many historic landmarks. Memphis is the largest city and was once home to Elvis Presley. The climate is humid subtropical with hot summers and mild winters. There are a variety of places to visit and things to do throughout the state, from Cummins Falls State Park to the Johnny Cash Museum.

When a disaster occurs, such as a fire, hail storm, flood, or hurricane, homeowners in Tennessee need to know who they can trust to help them with their insurance claim. The best choice is a public adjuster who has years of experience handling residential and commercial insurance claims. These experts can handle the complex insurance paperwork and negotiate with the insurer to get a fair settlement.

Insurance companies are trying to protect their bottom line, and they will hire an adjuster to make an assessment of the damage and evaluate the monetary value of the claim. This can create an uneven playing field when you are dealing with the insurance company. A public adjuster in Tennessee can help you level the playing field by investigating your property damage and evaluating how much the insurance company should pay for the claim.

Most tennessee public adjuster work on a contingency basis, which means they only get paid when the insurance company agrees to a settlement that is fair and reasonable. This can save you money in the long run because it reduces your risk and allows you to focus on recovering from the disaster.

Before you can become a licensed public adjuster in the state of Tennessee, you must complete prelicensing education and pass your licensing exam. Kaplan offers online exam prep courses that are based on the content of the actual state licensing exams. The courses will provide you with the knowledge and confidence to successfully pass the exam and start your career in the industry.

Negotiating with the Insurance Company

Your home is undoubtedly your biggest investment, and protecting it with homeowner’s insurance is an important step for minimizing financial loss in the event of damage or destruction. Unfortunately, homeowners face many challenges when filing claims for their policies, and it is important to understand your rights and responsibilities in order to effectively manage this process.

When discussing your claim with the insurance company, it is important to maintain a calm and professional demeanor. Avoid embellishing or speculating about the incident and stick to the facts. Also, it is a good idea to keep a journal as you progress through the process, and be sure to note the dates, times and details of conversations with the insurance adjuster and other professionals involved in your case. This will help you document any misrepresentations or violations of your rights, and can be very helpful in preparing for your arbitration or court proceedings.

Another important aspect of a successful homeowners’ insurance claim is negotiating with the insurance company to get a fair offer. Insurance adjusters have a primary goal of saving the insurance company money, and they often do this in a variety of ways. For example, they may exclude certain items from your settlement if the insurance policy doesn’t cover them, or they might include an amount to remove a tree without including the cost of replacing it.

If you are unable to resolve your claim through negotiations with the insurance company, it is likely that you will need to file a lawsuit. You should check your insurance policy to find the deadline for filing a lawsuit, which is typically 12 months from the date of loss. If the deadline is nearing, you should consult with an experienced homeowners’ insurance attorney to ensure that you don’t miss the opportunity to protect your rights.

Expert Claim Solutions is dedicated to helping you get a fair settlement for your property damages and losses, regardless of the size or nature of the claim. We have the experience, knowledge, and resources to represent your interests against large insurance companies and their teams of experts.

Getting a Fair Offer

When you get your first settlement offer, it may seem low. It’s important to understand that insurance companies will often start with a very low offer in order to anchor the negotiations and make you feel like their best offer is the only one available. It is important that you reject this offer and instead ask for more compensation based on your repairs, loss of use, loss of value, and any additional expenses.

When negotiating with your insurance company, it is important to remain calm and never lose your temper. This will make it much easier to convince the adjuster that you deserve a fair offer and that they are not meeting their obligations under the policy. If you are unable to resolve the dispute with the adjuster, consider asking for a supervisor. Explain your situation to them and let them know that you’ve tried to work with them, but they are not responding.

It’s also important to have a good understanding of your policy and how it works. This will help you determine the appropriate amount of compensation for your claim, and it will also allow you to spot any potential problems with the adjuster’s calculations. For example, if they are using actual cash value (ACV) when they should be using replacement cost value (RCV), which is typically higher and takes depreciation into account.

Finally, it is always a good idea to document all communication with the insurance company. This will provide a record in case you need to refer back to it at a later date. You should also send a written follow-up to the adjuster, such as an email or certified letter, if you are not getting a response. Be sure to include your contact information and ask them to respond by a certain date.

Hiring a public adjuster in Tennessee can save you time, money and stress. They are licensed by the state to negotiate with insurance companies and have a proven track record of obtaining better settlements for home and business owners. Most public adjusters charge a pre-arranged percentage fee, which is paid from the final payout of your claim.

Filing a Claim

When an insurance company is called upon to assess damages from a storm, fire or other catastrophe, they’ll send an adjuster to the property to examine everything. This process is thorough, but it’s also objective. The goal is to make sure the policyholder receives compensation for the damages, which is fair by all legal standards.

Public insurance adjusters are skilled and experienced in applying homeowner policy coverages, scope of damage assessments and repair cost estimates. They’ll work on your behalf with the insurance company until a settlement is reached. They’re able to negotiate with the insurance company and ensure that you get the highest payout possible for your damage.

In addition to assessing the damage, a Nashville public adjuster can handle many other aspects of your claim as well. This includes filing all required paperwork, taking pictures of the damaged area, determining current replacement costs and negotiating with your insurance company on your behalf. They can also help you with filing an appeal if your claim is denied or you’re not happy with the initial offer.

Filing a claim on your own can be tedious and confusing. It can also lead to a higher risk of losing out on a significant percentage of what is owed to you or being denied payment altogether. A public insurance adjuster can save you time and stress, prevent mistakes and increase your settlements so that you can recover from the damage.

Michael DeRita, the owner of Expert Claim Solutions, has been a certified public insurance adjuster for more than 25 years. He has a Bachelor’s degree in Business and Real Estate Management from Temple University, along with years of hands-on construction experience. He has worked on everything from simple residential water losses to multi-million dollar commercial explosion claims.

He is a licensed Public Adjuster in multiple States and serves clients across the country. He operates on a contingency basis, which means he only gets paid when he successfully increases your insurance claim payout. This is the best way to protect your interests and ensure that you’re getting the maximum compensation for your loss.