The devastating impact of property damage can completely upend your daily life. The Insurance Law Firm, led by David R. Grimmett, genuinely understands this struggle as we’ve witnessed firsthand the distress in our clients’ eyes when insurance companies deny, delay, or underpay legitimate claims. But don’t worry; we’re here to guide you through these overwhelming challenges.
We focus exclusively on representing property owners confronting resistance from insurance companies because too many people struggle with mountains of confusing paperwork, uncertainty about their legal rights, and growing frustration throughout the claims process. From flooding and windstorms to theft and plumbing failures, our team handles it all so you can get the settlement you deserve.
So, when you need a strategic and experienced bad-faith insurance attorney in Middle Tennessee, contact us at The Insurance Law Firm.
Property damage takes different forms. A broken pipe can soak drywall and flooring in minutes, while high winds might peel away part of a roof or knock down a tree that crashes into a home. These situations rarely look the same, and neither do the difficulties that follow. Each client has different setbacks, so every case needs legal attention shaped by those circumstances. We specialize in the following types of property damage law:
High winds are common in Tennessee storms, often causing roof damage, downed trees, shattered windows, and collapsed structures throughout the state. Although most homeowners expect their policies to cover these events, insurers sometimes argue that wind damage resulted from poor maintenance or pre-existing conditions rather than the storm itself.
David R. Grimmett knows how to challenge these claims. Our team works to link the storm directly to the damage by reviewing reports, consulting with roofing specialists, and collecting photo evidence. If your provider refuses to honor their end of the contract, we step in and push back with strong legal pressure.
Few natural weather events cause as much immediate destruction as a tornado. One moment, your home is intact; the next, it’s been partially or entirely torn apart by an act of nature. The emotional impact is immense — but so is the financial toll. In these moments, the last thing you need is an insurer dragging their feet or shifting blame so they can avoid paying out your claim.
Some insurance providers focus on technicalities or slow down the process under the guise of detailed investigation. When this happens, our team quickly analyzes your coverage, assesses structural and personal property damage, and confronts any wrongful delays or denials head-on. Our goal is simple: full and fair payment without excuses so you can get on with your life.
Floods occur quickly and leave long-term consequences. Floodwaters can ruin floors, electrical systems, and structural supports that keep your home intact, whether from heavy rainfall, plumbing failures, or runoff from nearby developments. Most homeowners are surprised to discover that standard home insurance policies exclude flood damage unless specific coverage is added.
Even with the right insurance policy in place, flood claims often lead to denial or delay. At The Insurance Law Firm, we closely examine your flood damage, your policy’s language, and the actions taken by your insurer. If the company wrongfully denied your claim or failed to investigate properly, we will use the legal system to hold them accountable.
Hailstorms strike quickly but leave behind costly repairs. Dented siding, cracked shingles, and broken skylights often come with the storm. Unfortunately, insurance companies sometimes label hail damage as superficial or cosmetic—even when more serious structural damage has occurred.
Our legal team works to counter that approach. We gather detailed evidence, collaborate with specialists, and press back when the insurance company minimizes damage or delays payment.
The devastation caused by fire goes far beyond scorched walls and melted belongings. Recovery often means starting over entirely, which makes insurance support not only expected but vital. Despite this, some insurance companies question the origin of the fire or suggest the policyholder was somehow negligent, making the process even harder for those affected.
We advocate fiercely for clients dealing with fire losses. That includes compiling full inventories, validating property values, and pushing back against allegations of fault. If a provider downplays the damage or delays the claim, our attorneys pursue legal recourse backed by solid documentation and contract law.
Unlike floods, general water damage often comes from internal sources—broken appliances, slow plumbing leaks, or rain seeping in through a failed seal. The aftermath is usually the same: soaked flooring, damaged drywall, and rising repair costs that throw your property into chaos. Insurance companies sometimes exploit vague policy language, claiming water damage occurred over time rather than during a single event.
Our firm closely examines both the cause and the timing because we understand the scientific evidence needed to establish causation and the proper remediation methods required.
Sinkholes form without warning, but the signs can be catastrophic. Shifting walls, sagging floors, or cracked driveways often indicate the ground beneath your home is no longer stable. Even with sinkhole coverage in place, insurers may claim the cause of the damage is unrelated or not severe enough to warrant a payout.
We approach sinkhole damage cases with both legal experience and technical precision. By working with engineers, structural inspectors, and geologists, we gather credible reports that connect the damage directly to insured risks.
Damage can spread quickly when a pipe bursts, often during freezing winter nights or due to failing plumbing. Flooring, insulation, and wiring may be soaked within minutes, turning a single break into a full-home restoration project. While many policies provide coverage, property insurance companies may still attempt to sidestep their responsibilities by blaming a lack of upkeep or late reporting.
At The Insurance Law Firm, we work to establish that the burst resulted from a covered event and that the homeowner took appropriate steps. Our legal strategy uses maintenance records, repair logs, and expert opinions to show bad faith behavior when insurers reject legitimate pipe burst claims.
The emotional toll of a break-in is compounded when the insurance company treats the policyholder like a suspect. Adjusters may ask for proof that you no longer have the listed items, question whether the theft occurred, or undervalue what was taken. These tactics slow down claims and deny victims the help they need to recover.
We approach theft cases by building out timelines, compiling documentation, and obtaining any available footage or reports to support your claims. If the insurer dismisses your claim without fair reason — or insists on jumping through hoops that violate your policy rights—we respond by taking the matter into lawsuit territory, where their delays and denials face real scrutiny.
Bad faith occurs when an insurance company unfairly denies, delays, or underpays a legitimate claim. This can be devastating, leaving you with unpaid bills and unanswered questions.
When your insurance company denies a valid property damage claim, hiring a bad-faith attorney becomes less about paperwork and more about standing up to a system that isn’t playing fair. Insurance carriers hold a legal duty to honor their policyholder’s coverage in good faith — but when delays, lowball offers, or flat-out denials creep in without justification, it’s a sign they may be breaking that trust.
As an honest, driven insurance law attorney, David R. Grimmett knows how to decode complex policy language, spot deceptive tactics, and apply pressure through legal channels that get results. This kind of legal representation brings experience, strategy, and leverage to the table, transforming an overwhelming battle into a fight you can actually win. With a skilled advocate in your corner, you regain control, restore your voice, and demand the compensation your policy promised from day one.
Has your claim been sitting unanswered for weeks? Are you struggling with a low settlement after serious property damages? Did your provider deny coverage without giving you a valid reason?
Let’s talk about what went wrong and what comes next. Contact us at The Insurance Law Firm today to speak with a lawyer who can help.
