Public adjuster · Tennessee
Searching for a "public adjuster near me"? Nick Shank is a licensed Tennessee public adjuster who works only for policyholders. Estimate what your insurer may owe you, then request a free review.
Repairing single slopes instead of the roof, skipping drip edge and ice & water shield, ignoring code upgrades, leaving out overhead & profit.
Insurers must reasonably investigate and explain denials under T.C.A. § 56-8-105. A court may award a bad-faith penalty under § 56-7-105 only if specific requirements are proved.
Re-inspect, document every item, build a line-by-line estimate and negotiate — or invoke appraisal — until the claim is paid fairly.
Free and anonymous. See a rough estimate of your claim and how far the insurer's offer falls short.
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Nick Shank is a licensed Tennessee public adjuster, not an attorney. This rough educational range is based on illustrative repair prices, not a contractor bid, appraisal, coverage decision, legal advice, or a guarantee of recovery. Percentage = estimated repair shortfall ÷ estimated repair total; it is not a statutory underpayment finding. Your policy, deductible, depreciation, evidence and local code control the actual outcome. Read the full Tennessee law and public adjuster disclaimer.
Want to see the sources? Read our Tennessee insurance claim law guide.
Often, yes. Many denials can be challenged with better documentation, a re-inspection, or appraisal under your policy. Your policy's suit-limitation clause sets the deadline, so act quickly.
A public adjuster is licensed by the Tennessee Department of Commerce & Insurance to represent you — the policyholder — not the insurance company. We document the damage, build the estimate and negotiate the settlement.
Nick Shank works statewide — Memphis, Nashville, Chattanooga, Knoxville, the Tri-Cities and every county in between — and comes to your property for the inspection.
No specific statute. But when repaired areas can't match the rest of your roof, cabinets or floors, your policy's replacement-cost and "like kind and quality" language may still require wider replacement.
The claim review is free. If we take your claim, our fee is a percentage of the recovery set out in a written contract, as Tennessee law requires — no recovery, no fee.
Describe your denial letter or insurer estimate and Nick can follow up to review the documents. Also see recent storms in your county.
Nick Shank is a licensed Tennessee public adjuster, not an attorney. A free review is not legal advice, a promise of coverage or payment, or a representation agreement. Read the Tennessee law and disclaimer.