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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Can You Negotiate an Arbitration Clause?

An arbitration agreement or clause is a part of a contract in which parties agree that certain types of disputes may be handled through arbitration instead of litigation. If you sign a binding arbitration agreement, you relinquish your rights to pursue a remedy in court. But what if you are unhappy with the arbitration clause…

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Reservation of Rights Letters

You have obtained liability insurance as a responsible property owner. In addition, you have paid your insurance premiums on time. Holding up your end of the bargain, you certainly have a right to expect your insurance company to be there for you if you become the object of a liability claim or suit. However, what…

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Using the Policy’s Definitions to Your Advantage

The average person doesn’t always read his or her insurance policy, except in one or two instances – when it becomes necessary to file a claim or when an insurance claim is denied by the insurer. We understand why: these contracts are often filled with dense legal jargon, and reading them can seem like an…

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Can Selling a Property Affect Your Insurance Claim?

Residential and commercial real estate sales occur on a daily basis. Usually, the title transfer of a sale occurs without much fanfare, regardless of whether the transaction involves a residential home or business real estate. The same is true when it comes to transferring insurance from the seller to the buyer. Up to the closing…

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How Insurance Policy Exclusions Affect Insureds

Insurance policy exclusions can dramatically affect insureds who think that they are protected completely when dealing with fire, storm, wind, hail, theft or other issues with their property. An insurance battle stemming from Hurricane Harvey in Texas was recently settled out of court for an undisclosed amount. The plaintiff, a woman who owns multiple commercial…

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Matching Issues with Exterior Brick Damage

Having bricks installed on the exterior of your Tennessee home helps improve the overall appearance and value of the home. The problem with bricks, though, is that insurance companies often try to avoid paying for matching materials when repairs are required. Today, we’d like to look at why that is. Why are bricks problematic? Bricks…

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What Does a Claims Adjuster Do?

The claims adjuster is an important cog in the insurance machine. This person is responsible for coverage determination, investigation /evaluation of the claim and damage, and ultimately determining how much of a financial obligation the insurance carrier has and will pay on your claim. Understanding what it is a claims adjuster does can make it…

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