Insurance Disputes
When Should You Involve a Lawyer in an Insurance Claim?
People end up dealing with insurance companies in many different situations. Sometimes the claim is made under your own policy, for example, after a storm damages your home or business property. This is referred to as a first party insurance claim because you and your insurance company are both parties to the insurance contract (policy).…
Read MoreTennessee and Kentucky Are Sending A Similar Message To Insurers: Remote Imagery Has Limits
Insurers are using satellite images, drone photos, and other aerial imagery more often in underwriting and property claims. Tennessee addressed that trend in Bulletin 25-03, warning that aerial imagery should be only one tool among many and that blurry, outdated, or imprecise imagery cannot reasonably justify denial of a property-damage claim. Tennessee also tied that…
Read MoreFederal Court Enforces Appraisal Award for Full Roof Replacement in Important Win for Tennessee Policyholders
An important new opinion regarding property insurance appraisals was just issued by Judge Aleta A. Trauger in the United States District Court for the Middle District of Tennessee in Nashville Commc’ns, Inc. v. Auto-Owners Mut. Ins. Co., No. 3:24-cv-01020, 2025 U.S. Dist. LEXIS 223455 (M.D. Tenn. Nov. 13, 2025). McWherter Scott & Bobbitt proudly represents…
Read MoreFirm Secures Jury Verdict of Over $1.75 Million against Church Mutual Insurance Company
Case Update (2025): In August 2025, the Eleventh Circuit Court of Appeals affirmed the $1.75 million jury verdict in full, rejecting Church Mutual’s defenses and upholding the award plus 7% pre-judgment interest. This decision marks a final victory for our client after nearly a decade of litigation. Brandon McWherter and Clint Scott, of McWherter Scott…
Read MoreAvoiding Claim Denial Because of Application Errors
As residents of Tennessee gear up for a few months of unpredictable winter weather, it is crucial to ensure that your property insurance is in order. One often overlooked aspect that could lead to claim denials is the accuracy of your insurance application. Even seemingly minor errors completely unrelated to the damage you suffer may…
Read MorePROPERTY DAMAGE APPRAISALS IN TENNESSEE
IF YOU HAVE A DISPUTE WITH YOUR INSURANCE COMPANY CONCERNING THE AMOUNT OF A LOSS, CONSIDER THE APPRAISAL CLAUSE IN YOUR PROPERTY INSURANCE POLICY If your property has sustained a loss from a storm, fire, or other covered peril and there is a dispute as to the amount of that loss between you and the…
Read MoreADVICE TO POLICYHOLDERS FOLLOWING STORM DAMAGE TO PROPERTY
Our Firm’s thoughts and prayers are with the victims of the massive tornadoes that recently struck Tennessee. With the loss of not only property, but most importantly life, this is a tragic event for our state. If you were impacted by this catastrophic storm, we don’t have to tell you what a stressful and challenging…
Read MoreChattanooga Area Tornado and Storm Relief Resources
The damaging tornadoes and high winds that tore through our area Easter weekend were terrifying and deadly. Dozens of people were hospitalized, hundreds of buildings damaged, and several of our citizens were killed. As always, Tennesseans are ready to step up and help their neighbors in times of crisis. Our office has put together a…
Read MoreOverwhelmed by Hail Damage? We Can Help
The past few weeks have not been easy for Tennesseans. In fact, for many citizens, it’s been downright terrible. From the coronavirus pandemic shutting down most of the country, to vicious hailstorms and damaging tornadoes, our area is suffering and many have experienced both personal and property loss. Here at McWherter Scott & Bobbitt, we…
Read More5 TIPS – PROPERTY DAMAGE INSURANCE CLAIMS
When disaster strikes your home, business, or other property, the steps that you must take can seem overwhelming as you try to figure out how to rebuild and start again. Most people feel lost in the process, especially when it comes to filing an insurance claim. Below are 5 simple tips that will help any…
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