Part 5: When to Hire a Public Adjuster
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 […]
Part 4: Fighting the “Low-Ball” Settlement
What to Watch For It is an unfortunate reality in the insurance industry: after a large-scale disaster like the Nashville ice storm, insurance companies are flooded with claims and are trying to save money. To manage this influx, many carriers will send adjusters who try to settle claims quickly, often offering a “low-ball” figure that […]
Part 3: Don’t Forget Your “Stuff” – Maximizing Personal Property Coverage
When a tree crushes your roof or a pipe bursts, it’s easy to focus on the structure—the walls, the roof, the ceilings. But in a Nashville home, the items inside – your personal property, are often just as valuable as the house itself. Your homeowners’ insurance policy includes Personal Property Coverage, but many Tennessee homeowners under-collect […]
Part 2: Tree Damage vs. Pipe Bursts – What’s Covered?
Authoritative Insight On What’s Covered In An Ice Storm It’s important to understand that not all damage caused by a storm is treated equally by insurance companies. The recent ice storm in Middle Tennessee has created a mix of perils—falling trees and frozen, burst pipes—each with its own, distinct insurance rules. Trees Falling on Structures […]
Part 1: After the Nashville Ice Storm: The First Steps to Protect Your Property and Claim
Protecting Your Property and Your Rights When the Nashville Ice Storm melts, the real work begins. The initial reaction for many Nashville homeowners is to call their insurance company immediately. While that is necessary, it is not the first thing you should do. As a public adjuster, my advice is to document first, protect second, and […]