Getting the Maximum Settlement
You have documented your damage, you have filed your claim, and you have received a settlement offer. But after looking at your contractor’s estimates, you realize the insurance company’s check isn’t even close to covering the repairs. This is the moment when many Nashville property owners feel helpless.
As a Franklin, TN-based public adjuster, I am often hired at this point. A public adjuster operating in Tennessee is required by law to be licensed by the Tennessee Department of Commerce and Insurance. However, they are not required to have certain credentials that demonstrate a commitment to the industry and the public it serves. The three partners at Franklin Property Claims all have earned the Senior Professional Public Adjusters (“SPPA”) and Associate in Insurance Claims (“AIC”) designation. These credentials took each of us years to get and ensure that if you hire us, you will have the most knowledgeable and experienced public adjuster assisting you with your claim. We work for you, not the insurance company
What is a Public Adjuster?
Think of a public adjuster as a “claims lawyer” for your property damage. We understand policy language, we know how to calculate replacement costs, what the prescribed industry standards are for restorative repairs, and we are experienced in negotiating with insurance company adjusters. We level the playing field.
When Should You Hire a Public Adjuster?
- Right after the loss: Many times, people who have filed a claim feel vulnerable and uncomfortable when meeting with experienced claims adjusters and thus they engage somebody like me to handle the meetings and communication.
- The Claim is Undervalued: If their offer to you seems far below the cost of repairs.
- The Claim is Complex: If you have damage to your roof, interior walls, and personal property, it can be overwhelming to manage.
- The Process is Too Slow: If your insurance company is delaying your claim.
Why Hire a Local Public Adjuster?
We know Nashville and Williamson County contractors, we know local material costs, and we understand how local weather events typically affect homes in our area. We can also provide a “second opinion” on your damage and estimate for free.
The “No Money Upfront” Guarantee
Reputable public adjusters in middle Tennessee work on a contingency fee basis. We don’t get paid until you get paid.
Conclusion: Take Control of Your Recovery
The ice storm has passed, but the financial recovery is just beginning. By being proactive, documenting everything, and knowing your rights, you can make sure your insurance company pays for the full repairs your home deserves.
If you are struggling with a denied or underpaid claim, or just want someone to handle all the meetings, estimates, and communications, contact a trusted local public adjuster like those of us at Franklin Property Claims to ensure your property is restored to its original condition. Our number is 615-622-5358.
