Property Damage Claims

Property damage can change everything in your life at a moment’s notice. A tree crashes into your home, water floods your crawl space, or a fire leaves smoke residue throughout the building, throwing your life upside down and leaving you trying to find ways to recover. In the wake of these events, you file a claim with your insurance company, hoping to get repairs started quickly. But things take a turn for the worst when the insurance adjuster gives a low estimate or claims the damage falls outside the policy.

Our team investigates these claims thoroughly, pulling together damage reports, repair estimates, and correspondence with the insurance company. As your property damage lawyer, David R. Grimmett challenges unfair assessments and pushes back against tactics that reduce or deny payment to deserving recipients. Tennessee law gives property owners rights, and we work to enforce those rights by holding insurers to the promises outlined in their coverage.

Denied or Underpaid Claims

An insurer may cite exclusions, depreciation, or preexisting conditions as reasons to deny claims. These denials often feel sudden and unsupported by facts and experiences. Even when a claim gets approved, the payout might fall short of the cost to repair or replace the property.

We take those denials and compare them line-by-line with your insurance policy. If the terms do not match the denial, we prepare to challenge that decision through a lawsuit. Insurers are not above the law, and under Tennessee statutes, they must act reasonably and fairly. Our role as an insurance claim lawyer in Middle Tennessee involves fighting for real value — not partial or delayed compensation.

Bad Faith Insurance Practices

When an insurance company acts with dishonesty, delay, or deception, that conduct may qualify as bad faith. This term applies when the company acts outside the boundaries of fairness and legality when dealing with its policyholders.

Examples include failing to investigate, refusing to explain a denial, or threatening to cancel the policy. These tactics may look like mistakes on the surface but often form a discernable pattern. As an experienced bad faith attorney, David R. Grimmett is a master at identifying and exposing this misconduct in court.

Business Interruption Claims

A damaged building can halt a business overnight. When machinery fails or power outages force closures, the cost grows quickly, throwing your company into disarray. Business interruption coverage exists for this reason, but unfortunately, many claims meet resistance from insurers. We help businesses in Middle Tennessee who cannot afford to wait to cut through the red tape. These cases often involve technical details, including income projections, repair timelines, and equipment costs. We gather the data and present it to push for a fast resolution that works for your immediate needs. If that does not work, we pursue the full lawsuit process to recover what’s owed.