4 Factors That Could Affect Your Storm Damage Claim

The recent tornados in Tennessee caused extensive damage throughout Middle Tennessee. Since March 3, 2020, adjusters have flooded Davidson, Dickson, Putnam, Smith and Wilson Counties, as policyholders start filing claims for their losses. There is no doubt that there will be much work to do to help families and businesses get up and running again,…

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Was Hotel Damage from Hurricane Insurer Says No

MS Amlin insurance company sued the policyholders of a Florida hotel, stating that Hurricane Irma did not cause the more than $1 million in damages claimed. Instead, they argued that the majority of the building’s issues already existed before the September 2017 storm, and were mostly the result of shoddy construction work. The lawsuit The…

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How Insurance Policy Exclusions Affect Insureds

A court decision in Tennessee regarding a homeowners’ insurance policy recently caught our eye. We thought it was a great opportunity to talk about the concept of misrepresentation and fraud. In the case of Conley v Tennessee Farmers, Dolores Conley brought suit against her homeowners insurance company, requesting they pay her claim for damages after…

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Home-Based Business and Business Interruption

More and more people are working from home these days, whether it’s full-time for a brick-and-mortar company, as telecommuters, or as independent business owners. Because of the increase in work-at-home employees, it’s important to look at how insurance policies protect your home-based business property in the event of damage. 2018 was filled with horrific catastrophes…

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There are primarily three different types of adjusters. There are independent adjusters who work for the insurance company. They’re not employed by the insurance company, but they work only for them, not for the policy holder. There’s in-house adjusters, who’re actually employed by the insurance companies. Then the third type are public adjusters, and public…

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If your claim has been denied, the first thing you need to do is talk to a lawyer. Call us. We’d be happy to take a look at it. Your claim can be denied for a variety of reasons, and there’s no way to know if the reason that’s been given is a legal one,…

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One of the most common questions that we get is, “How do you charge for your time?” And that’s a fair question. If I was a consumer, I would want to know that too. We charge based on contingency fee, so we get a percentage of whatever we get for you. Sometimes it’s low, sometimes…

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