Tennessee Public Adjusters
If you live in Tennessee, you probably realize that filing an insurance claim after suffering an unexpected catastrophe can be a frustrating process. Many Tennesseans avoid the aggravation associated with insurance company negotiations by seeking help from qualified public adjusters like The Howarth Group who has been helping policyholders with insurance claims for over thirty years.
Tennessee public adjusters are professionals who are skilled and experienced in applying homeowner policy coverages, a scope of damage assessment and repair cost estimates. On behalf of the homeowner, they negotiate directly with the insurance company until the claim is settled. Unlike most public adjusters, who take a percentage of the entire settlement offer, The Howarth Group is only compensated on the additional money that they add to the structural portion of the claim that is over and above the insurance company’s initial offer.
When to Call a Tennessee Public Adjuster
People often hire a public adjuster not only because the prospect of dealing with their insurance company is daunting and unpleasant but because they know it’s an uneven playing field as long as only one side has all of the experts. Certainly, if your claim is more than $50,000, it makes sense to contact a public adjuster.
Insurance claims adjusters are often trained to remain noncommittal, and it may be difficult to get direct answers to your questions. If cooperation from the insurance company is minimal, or if you suspect the value of your claim has been underestimated, a public adjuster can review your insurance claim documents and provide valuable guidance. Additionally, if you are a homeowner, you may want to consider getting some professional assistance with listing the contents that have been destroyed in your loss. Many Tennessee public adjusters have inventory specialists associated with them that can help in such matters. (See “Inventorying of Contents”)
How a Public Adjuster can Help
Since there are some insurance companies that make an effort to provide reasonable offers, a public adjuster can give you a valuable “second opinion.” While some public adjusters in Tennessee insist on being involved in the process even before a claim is filed, the professionals at The Howarth Group recommend that you get an offer on the structural side of your claim from the insurance company first. It’s important to avoid entering into an agreement where the public adjuster receives a percentage of the total settlement. This arrangement tends to incentivize a premature resolution to the claim at a lower amount. Reputable public adjusters like The Howarth Group only charge the property owner if they are able to secure additional compensation for their claim.
Get the Compensation You Deserve
Every day, homeowners in Tennessee are affected by unexpected disasters, including fires, tornadoes, hailstorms, floods, wind storms, and hurricanes. Unless you’re an engineer or architect by trade, it may be impossible to detect hidden structural damage or properly assess the true cost of the repairs. Trying to understand the estimating software the insurance adjuster uses can be like trying to understand Greek. Not so with us. A public adjuster like The Howarth Group is trained and experienced in every phase of the residential and commercial claims process. You can rest easy knowing that your claim will be negotiated aggressively so you receive fair compensation that will fully cover your losses.
If you reside in Nashville, Memphis, Chattanooga, Gatlinburg, or Knoxville and have suffered damage to your property don’t delay, call The Howarth Group today. We will immediately turn our efforts toward ensuring that you receive every cent of the insurance compensation you deserve.
Additionally, we service Jackson, Murfreesboro, Columbia, Clarksville, Johnson City, Gatlinburg and surrounding areas across Tennessee. Please call us toll-free at 800-647-2236 or at 615-550-5500 if you wish to discuss our services or have specific concerns with your claim.