A public adjuster is a state-licensed insurance professional who represents you, the policyholder, throughout the claim process. We assess property damage, interpret policy limits, and manage the complete claims process, including insurance appraisal, to ensure you receive a fair and accurate payout.
We can provide a supplementary insurance appraisal estimate for your company or individual needs, ensuring clarity throughout the claim process, and assisting with public adjusting when necessary.
An insurance appraiser comes into play during the claim process when you and your insurer cannot agree on the value of a property loss or the cost of repairs. According to the policy’s 'appraisal clause,' both you and the insurance company will hire an independent and competent appraiser to evaluate the damages for your claim, ensuring a fair insurance appraisal. In some cases, a public adjusting professional may also assist in negotiating your insurance claim.
An Umpire gets involved during the claim process when a policyholder and the insurance company disagree on the payout amount, especially after their respective appraisers reach an impasse. This can be particularly relevant in cases involving insurance appraisal and public adjusting.
Phone: (615)-400-8081 Email: James@MidTNAdjusting.com
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