Key issues for local homeowners and business owners.

By Tennessee law, only public adjusters and lawyers are allowed to negotiate insurance claims on a homeowner's behalf. Roofers can point out damage to the roof, but they can't argue about depreciation, deductibles, interpret policy language and provisions, file the proper forms and represent you professionally with your insurance company. Our Public Adjusters are skilled, well trained, licensed and bonded professionals, certified by the State of Tennessee to do business. Roofers and contractors who engage in negotiating with insurance companies and convince homeowners that they can negotiate for them are putting you and your claim at risk, and they are representing you in an illegal fashion.

Contractors are bidding jobs throughout the neighborhoods and many are finding more work to be done on storm repairs than were originally estimated. Costs go up on materials as well with supply and demand following a big storm event. Insurance companies try to hold the costs down with low ball estimates and leave you to scramble to find someone qualified to do the work for their amount. They owe you the cost of using a licensed, qualified contractor to make your repairs, not just the low bidder.

We know how to make an insurance company move. If we represent you, we will have a non-stop series of written and telephone contacts pushing your claim to conclusion. If your adjuster didn't give you the entire roof or wrap your entire home in siding, call us and we'll evaluate your claim. This is one of the most common complaints after a hailstorm. Many people don't realize that deciding whether you replace a roof or the siding or not isn't done the same by different companies. The insurance companies use different, subjective standards for total replacement of roofs and siding. We have the experience to negotiate with the companies and fight for your rights.