Insurance Disputes

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…

Insurance companies have traditionally sought to minimize the amount they pay for any mold or black mold claims. Some insurers will try to pay a sparse amount or nothing at all for anything associated with mold cleanup, even when a water event that causes water damage is covered, but also leads to indoor mold contamination.…

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…

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…

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…

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…

Tennessee has a lot of condominiums. When condo owners suffer losses, they sometimes face challenges that single-family homeowners don’t. The insurance company may deny the claim based on exclusions, or lowball the claim based on the type of damage done. Your personal condominium insurance policy, known as an HO-6 policy, will most often cover losses…

The highest court in Tennessee ruled unanimously in favor of the policyholders on Monday April 15, 2019 when it ruled that insurance companies may not depreciate labor when calculating actual cash value.  On a certified question from the U.S. District Court for the Middle District of Tennessee in the case of Gregory J. Lammert, et…

Claims and lawsuits against property managers are a common occurrence. As the owner of a property management company, failing to have the proper insurance protection in place can leave you and your business exposed to unnecessary financial risk. As well, your clients are relying on you to carry the proper insurance to protect their assets.…