Work With Trusted & Experienced
Tennessee Public Adjusters That Work For You!
100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!*
*Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Don’t Settle For Less!
Get The HIGHEST & Most FAIR Settlement Amount ... That You Are Legally Entitled To ... From Your Insurance Claim!
Get a free on-site inspection & insurance policy evaluation from one of our expert public claims adjusters!
Work with highly trained & vetted Tennessee public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!
Public Claims Adjusters Network (PCAN) member public insurance claims adjusters in Tennessee offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.
Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.
They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).
Consultations are always:
- Friendly
- Free
- No-Obligation
- 100% contingency-based In Nearly Every State
… meaning your public adjuster doesn’t get paid, unless you get paid!*
PCAN public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified Tennessee public insurance adjusters today!
*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.
Request A Free Consultation!
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*Some Services May Not Be Available In All Areas. Contingency fees are not permitted by law in Louisiana. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, state-licensed, bonded, and PCAN Verified public adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the Tennessee community, to ensure the highest quality of service & care.
Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!
Contingency Based. We don’t get paid, unless you get paid!
*Contingency fees not permitted by law in Louisiana.
Why Hire A Public Adjuster In Tennessee?
Tennessee Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!
Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert Tennessee Public Claims Adjuster Members Today!
- Save You Time & Help Speed Up The Claim Process
- Help Alleviate Stress & Walk You Through The Whole Process
- Negotiate With The Insurance Company & Make Sure You Get The Highest Settlement Possible*
- Prepare & File All The Necessary Documents, And Handle All The Necessary Follow-up's
*Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
What Our Network Of Licensed Tennessee Public Insurance Adjusters Bring To The Table
Tennessee Insurance Policy Claims Specialists
PCAN member public claims adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in Tennessee. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.
Advocates For Tennessee Homeonwers Insurance Policy Holders
PCAN member public claims adjusters advocate for your rights as the policy holder. They ensure that the clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Public adjusters are there with you every step of the way!
Experts In Seen & Unseen Damages
PCAN member public adjusters in Tennessee have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.
Expert Claims Negotiators
Settlement negotiation is critically important when it comes to the claims process. Public adjusters in Tennessee know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public claims adjusters have the expertise and experience in claims negotiations to ensure that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
The Homeowners Insurance Claims Recovery Process In Tennessee
Tennessee state-licensed public insurance claims adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!
View 7-Step Claims Recovery Process Map
(Click To Expand Infographic)
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Frequently Asked Questions (FAQ) About Tennessee Public Adjusting
What Are Tennessee Public Adjusters, & What Do They Do?
Tennessee Public adjusters are licensed insurance professionals who work on their own to advocate for policy holders during the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA), these experts act as advocates for homeowners to ensure that their interests are protected when working with insurance companies.
The role of public adjusters has become more significant in recent times, specifically as insurance claims grow more complex. A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) revealed that policyholders who utilized public adjusters received settlements up to 800% higher over those who managed claims on their own.
Public adjusters provide comprehensive services throughout the claim process. They conduct thorough assessments of the damages, and prepare and file necessary documents, and handle all communication with insurance companies. This professional support significantly reduces the time and stress associated with filing claims and allows policyholders to concentrate on rehabilitating.
Operating primarily on a basis of contingency fees which typically range between 10 and 20 percent of the final settlement, public adjusters are rewarded for securing the most settlement to their customers. The fee structure differs according to the complexity of the claim, state regulations, and required resources.
These professionals have extensive knowledge of insurance policies, building codes, as well as construction costs. They use this knowledge to:
- Accelerate the claims process
- Document and assess the damages thoroughly
- Navigate complex policies
- Negotiate directly with insurance carriers
- Be sure to comply with filing deadlines and additional policy requirements
Research has clearly shown that professional representation during the claims process typically results in more comprehensive settlements as well as quicker resolution of claims. Public adjusters’ understanding of insurance regulations and industry practices can help avoid common mistakes that could slow or hinder settlements.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
Will My Settlement Be Larger If I Hire A Tennessee Public Adjusting Company?
Industry research and industry analysis show that hiring a public insurance adjuster can substantially increase policyholder claim settlements. According to groundbreaking study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who employed public adjusters received settlements that were up to 800% higher than those who handled claims independently.
Public adjusters in Bartlett, Tennessee serve as licensed professionals who represent only policyholders throughout the claim process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals provide comprehensive claim management services, including precise documents for property damage as well as policy interpretation as well as settlement negotiations with insurance carriers.
The importance of a professional representation becomes particularly evident in the final settlement figures, as professionally managed claims usually yield more comprehensive damage assessment, and more accurate valuations of losses.
Public adjusters streamline the claims process by:
- Managing all documentation and correspondence with insurance companies
- Conducting thorough assessment of the damage to property
- Preparing comprehensive claim submissions
- Negotiating directly with insurance companies
- Expediting the settlement timeline
- Ensuring compliance with policy specifications and deadlines
Most public adjusters operate on a contingency fee basis, typically ranging from 10% to 20 percent of the final settlement amount. The fee structure is aligned with the interests of the adjuster with the policyholder’s, as their compensation depends on securing a favorable settlement.
The expertise of a Public Adjuster often is invaluable in complicated claims scenarios, where technical knowledge of building codes, construction costs, and insurance policy provisions can have a major impact on settlement outcomes.
Their professional oversight helps ensure that no damaged claims are missed and claims are appropriately valued in accordance with current market conditions.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
How Much Do Tennessee Public Adjusters Charge?
Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements.
Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.
A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Is It Too Late To Hire A Tennessee Public Adjuster?
Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a Tennessee public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.
Key timing considerations include:
Statute of Limitations:
- Each state maintains different deadlines for filing insurance claims
- Claims must be initiated within these legal timeframes
- Public adjusters can assist with existing claims, even if initially filed independently
Documentation Requirements:
- Public adjusters help organize and prepare comprehensive claim documentation
- They can recover or reconstruct missing documentation
- Professional documentation improves claim validity and settlement potential
Claim Status:
- Active claims benefit from professional representation
- Denied claims may be reopened with proper documentation
- Disputed settlements can be renegotiated
Public adjusters provide valuable services throughout the claims process Including:
- Expedited claim processing through professional management
- Expert negotiation with insurance carriers
- Complete documentation preparation and submission
- Regular communication with insurance companies
- Stress reduction through professional claim handling
- Maximum settlement potential through experienced representation
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Should You Hire A Public Claims Adjuster In Tennessee?
Complex insurance claims typically require expert knowledge to navigate effectively. Public insurance adjusters, state-licensed professionals who work exclusively on behalf of policyholders, can significantly impact claim outcomes as well as settlement outcomes.
A variety of scenarios could require the use of a public adjuster:
- Property damage that is extensive
- Claims that involve multiple coverage types
- Disputed claims or partial claim denials
- Complex documentation requirements
- Situations that are time-sensitive which require immediate attention
Public adjusters streamline the claims process by:
- Conducting comprehensive damage assessments
- Preparing and filing the necessary documentation
- Managing communication with insurance companies
- Settlement negotiations on behalf of the policyholders
- Ensuring compliance with the policy conditions and deadlines
Public adjusters particularly benefit policyholders by:
- Stress reduction through expert claim management
- Speeding up the settlement process
- Giving an objective assessment of damage
- Ensuring comprehensive documentation
- Leveraging industry knowledge for fair settlements
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Can I File My Insurance Claim Myself In Tennessee?
While policyholders are entitled to file insurance claims on their own, data from industry experts suggest that this approach may not yield ideal results.
The main challenges with self-filing include:
- Complex documentation requirements and policy interpretation
- Time-intensive communication with insurance representatives
- Risk of overlooking covered damages or benefits
- Potential undervaluation of claims by insurance companies
- Limited-to-zero negotiation experience with insurers
Licensed public adjusters offer important advantages to the claim process:
-
- Professional Documentation and Assessment – Public adjusters thoroughly document damages, and prepare complete claim files, and handle all paperwork required, making sure that nothing is missed.
- Time and Stress Management – These professionals handle all communications with insurance companies so that homeowners can focus on recovery while expediting the claims process.
- Expert Negotiation – With extensive knowledge of the insurance policies and rules, public adjusters engage directly with insurance companies in order to secure fair settlements.
- Cost-Effective Service – Public adjusters typically work on a contingency-fee basis, which typically ranges from 10-20 percent of the final settlement amount, which ensures the best interests of the policyholder.
The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent the interests of policyholders during the claims process. Their expertise is particularly beneficial in complicated claims or when significant damages are involved.
Statistics from the industry indicate that professional representation by state-licensed public adjusters leads to better outcomes for policyholders, with quicker processing times, and more comprehensive settlement packages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
In Tennessee, Can My Contractor Represent Me Against My Insurance Company?
While contractors often offer to negotiate with insurers, this strategy can have serious risks and restrictions. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack expertise to be representative for insurers in claims negotiations.
This limitation can dramatically affect the result of a claim and potentially limit any rights granted to the owner of the policy.
The state insurance departments oversee licensed public adjusters, who receive highly specialized training, have to pass Federal background checks, and require specialized licenses from the state in order to work. They also have the legal authority to act on behalf of the policyholder to protect & protect their right … legal authority that contractors don’t possess … making them the legal and comprehensive alternative to the representation of contractors.
Public Adjusters are experts in the interpretation of insurance policies, assessing damages, and working with insurance companies to guarantee equitable claim compensation.
Public adjusters provide several distinct advantages, such as:
- Specialist claim documentation and filing
- Professional negotiation with insurance companies
- Comprehensive damage assessment
- Accelerated claim processing
- Stress reduction through complete claim management
The National Association of Public Insurance Adjusters (NAPIA) insists on the fact that public claims adjusters must maintain professional licenses and adhere to strict ethical standards. This provides an additional layer of consumer protection that is not offered by the representation of contractors.
For complex claims public adjusters’ expertise in the interpretation of policies, documentation requirements, and negotiation strategies often can be invaluable, thereby avoiding costly mistakes and claims denials that could arise from the use of contractors in negotiations.
Disclaimer: Certain Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
I Already Settled My Claim, But It Wasn’t Enough Money To Cover The Damages. Is It Too Late To Get More?
When insurance settlements prove insufficient to compensate for damages to property, policyholders have a range of legal options to seek additional compensation, even after the initial settlement of claim.
As per the National Association of Insurance Commissioners (NAIC), policyholders should carefully evaluate their settlement terms and related documents prior to accepting the final settlement.
The timing and the circumstances for the pursuit of additional compensation are important factors, as the majority of insurance policies contain specific timeframes for claim disputes as well as appeals, generally ranging from one to two years after the settlement date.
Licensed public claims adjusters are vital in re-assessing settlement claims and finding previously missed damages. Public adjusters carry out thorough property assessments, document any additional damage, and deal with insurance companies in the interest of policyholders.
Important steps to pursue additional compensation are:
- Document newly discovered damages
- Review of policy terms and settlement agreements
- Gather supporting evidence and estimations
- Think about professional representation from a state-licensed public adjusters
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that public adjusters can often identify overlooked damages and policy provisions which allow for additional compensation. Their experience in policy interpretation and claim valuation is especially valuable when challenging settled claims.
Insurance policyholders must take action immediately upon discovering insufficient settlement amounts, as delay can compromise their ability to collect additional compensation. When utilizing a public adjuster’s services, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Why hire a Public Insurance Claims Adjuster In Tennessee if the insurance company already sent an adjuster?
The decision to employ a state-licensed public claims adjuster, even when an insurance company has assigned its own adjuster, could dramatically affect the final outcome of an insurance claim.
Although insurance company adjusters work for the insurance company’s interests … public claims adjusters serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) highlights that these state-licensed & regulated professionals operate independently, ensuring fair claim settlements and comprehensive policies are interpreted.
Public adjusters streamline the claims process by coordinating the documentation as well as conducting comprehensive evaluations of damage and handling all communication with insurance companies. This type of professional intervention usually speeds up claim resolution and decreases homeowners administrative burdens.
The value of public adjusters also goes beyond financial benefits. These professionals offer expert guidance throughout the claims process, explaining the complexities of policy and ensuring that the damage is documented and valued.
They create precise damage estimates, gather the necessary evidence, and negotiate directly with insurance companies in order to get the best settlement results.
The process of settling insurance claims is complex and time-consuming, making professional representation essential during major losses. Public adjusters’ expertise in negotiation and policy interpretation usually results in more comprehensive settlements that account for both obvious and concealed damages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
Can My Insurance Company Cancel My Contract If I Use a Public Adjuster In Tennessee?
No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public insurance claims adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.
The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.
Disclaimer: Some Services Not Available In All Areas.
A glossary of insurance terms provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.
Key concepts include such terms as Actual Cash Value (ACV), a method for determining compensation based on replacement costs minus depreciation, and ALE (Additional Living Expenses), which cover necessary living costs when a home is uninhabitable.
For example, understanding your home insurance declaration page, common deductibles for various kinds of property damage, the general policy exclusions standard in many homeowners insurance policies, can bring much-needed awareness & clarity to policyholders of potential insurance terminology that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Discover How Tennessee Public Claims Adjusters Can Get You More From These Types Of Property Damage Insurance Claims
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
More About Tennessee
Tennessee | |
|---|---|
| Nickname: The Volunteer State | |
| Motto(s): Agriculture and Commerce | |
| Anthem: Eleven songs | |
 Location of Tennessee within the United States | |
| Country | United States |
| Before statehood | Southwest Territory |
| Admitted to the Union | June 1, 1796 (16th) |
| Capital (and largest city) | Nashville |
| Largest county or equivalent | Shelby |
| Largest metro and urban areas | Nashville |
| Government | |
| • Governor | Bill Lee (R) |
| • Lieutenant Governor | Randy McNally (R) |
| Legislature | General Assembly |
| • Upper house | Senate |
| • Lower house | House of Representatives |
| Judiciary | Tennessee Supreme Court |
| U.S. senators | Marsha Blackburn (R) Bill Hagerty (R) |
| U.S. House delegation | 8 Republicans 1 Democrat (list) |
| Area | |
• Total | 42,181 sq mi (109,247 km) |
| • Land | 41,235 sq mi (106,898 km) |
| • Water | 909 sq mi (2,355 km) 2.2% |
| • Rank | 36th |
| Dimensions | |
| • Length | 440 mi (710 km) |
| • Width | 120 mi (195 km) |
| Elevation | 900 ft (270 m) |
| Highest elevation (Kuwohi) | 6,643 ft (2,025 m) |
| Lowest elevation (Mississippi River at Mississippi border) | 178 ft (54 m) |
| Population (2024) | |
• Total |  7,227,750 |
| • Rank | 15th |
| • Density | 171.0/sq mi (65.9/km) |
| • Rank | 20th |
| • Median household income | $67,600 (2023) |
| • Income rank | 41st |
| Demonyms | Tennessean Big Bender (archaic) Volunteer (historical significance) |
| Language | |
| • Official language | English |
| • Spoken language | Language spoken at home |
| Time zones | |
| East Tennessee except for Bledsoe, Cumberland, and Marion counties | UTC−05:00 (Eastern) |
| • Summer (DST) | UTC−04:00 (EDT) |
| Middle and West Tennessee, and Bledsoe, Cumberland, and Marion counties | UTC−06:00 (Central) |
| • Summer (DST) | UTC−05:00 (CDT) |
| USPS abbreviation | TN |
| ISO 3166 code | US-TN |
| Traditional abbreviation | Tenn. |
| Latitude | 34°59′ N to 36°41′ N |
| Longitude | 81°39′ W to 90°19′ W |
| Website | tn |
Tennessee (, locally /ˈtɛnɪsi/) is a landlocked state in the Southeastern region of the United States. It borders Kentucky to the north, Virginia to the northeast, North Carolina to the east, Georgia, Alabama, and Mississippi to the south, Arkansas to the southwest, and Missouri to the northwest. Tennessee is the 36th-largest by area and the 15th-most populous of the 50 states. According to the United States Census Bureau, the state’s estimated population as of 2024 is 7.22 million.
Tennessee is geographically, culturally, and legally divided into three Grand Divisions of East, Middle, and West Tennessee. Nashville is the state’s capital and largest city, and anchors its largest metropolitan area. Tennessee has diverse terrain and landforms, and from east to west, contains a mix of cultural features characteristic of Appalachia, the Upland South, and the Deep South. The Blue Ridge Mountains along the eastern border reach some of the highest elevations in eastern North America, and the Cumberland Plateau contains many scenic valleys and waterfalls. The central part of the state is marked by cavernous bedrock and irregular rolling hills, and level, fertile plains define West Tennessee. The state is twice bisected by the Tennessee River, and the Mississippi River forms its western border. The Great Smoky Mountains National Park, the nation’s most visited national park, is in eastern Tennessee.
Tennessee is rooted in the Watauga Association, a 1772 frontier pact generally regarded as the first constitutional government west of the Appalachian Mountains. Its name derives from Tanasi (ᏔᎾᏏ), a Cherokee town preceding the first European American settlement. Tennessee was initially part of North Carolina, and later the Southwest Territory, before its admission to the Union as the 16th state on June 1, 1796. It earned the nickname “The Volunteer State” due to a strong tradition of military service. A slave state until the American Civil War, Tennessee was politically divided, with most of its western and middle parts supporting the Confederacy, and most of the eastern region harboring pro–Union sentiment. As a result, Tennessee was the last state to officially secede from the Union and join the Confederacy, and the first former Confederate state readmitted to the Union after the war had ended during the Reconstruction era.
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.