Licensed Tennessee public adjuster
Nick Shank represents homeowners and business owners — never insurance companies — on property claims across all 95 Tennessee counties.
Roof, siding, gutters and window damage documented slope by slope.
Structural, contents and additional living expense claims after severe weather.
Rebuild scope, smoke cleaning, contents inventory and loss of use.
Burst pipes, leaks and mold — moisture mapping and full repair scope.
Business property, inventory and business-interruption documentation.
A second look at claims your insurer denied or paid too little on.
Denied & underpaid claims help →From Memphis to Johnson City, we help policyholders in every county, including:
See where recent storms hit on our Tennessee storm tracker.
A public adjuster works for you, the policyholder — not the insurance company. We review your policy, document the damage, prepare a detailed estimate and negotiate your claim.
Yes. Nick Shank is a licensed Tennessee public adjuster. Tennessee requires public adjuster contracts to be in writing and to state the fee (T.C.A. §§ 56-6-913, 56-6-914).
Fees are a percentage of the claim settlement, agreed in writing before work begins. Your first claim review is free.
We serve policyholders statewide across all 95 Tennessee counties, including Middle, East and West Tennessee.
Information only, not legal advice. Results depend on your policy and facts. See Tennessee claim law & disclaimer.
Tell us what happened — Nick will follow up personally.
From the blog
· 9 min read
I spent years adjusting claims for insurance carriers. Then I was told to cut roof scopes I believed were justified. Here's what I learned — and what Tennessee homeowners should know before accepting the first estimate.
Nicholas Edward Shank · Tennessee Licensed Public Adjuster
Homeowner checklist
Document the damage
Take dated photos and video of every affected area before anything is removed or repaired.
Mitigate further loss
Make reasonable temporary repairs (tarps, water extraction) and keep every receipt.
Request a written coverage explanation and itemized estimate
Ask your insurer to put its position in writing and cite the policy language it relies on.
Compare repair scope and pricing
Line up the insurer's estimate against a contractor's scope — measurements, materials and code items.
Review deadlines and your policy
Note time limits for notice, proof of loss, depreciation recovery and suit.
Request a licensed public adjuster review
Have a licensed Tennessee public adjuster look over the claim before you accept a final number.
Not without reviewing it. Ask for an itemized estimate and compare the scope and pricing to what a proper repair actually requires.
Often a denial can be challenged with new evidence, a re-inspection or a supplement, depending on your policy terms and deadlines.
The initial claim review is free. If we work together, the fee is a percentage of the recovery agreed in writing first.
No. Coverage depends on your policy, the facts and Tennessee law. For legal questions, consult a Tennessee attorney.
Helpful guides: denied claims · underpaid roofs · hail damage · estimate review