Your Insurance Company Made an Offer. Before You Accept It, Get a Second Opinion.

Get a policyholder-side review before you settle.

37+ Years Experience · $750M+ Recovered · 1,500+ Claims Settled · Licensed Across Tennessee

The Adjuster Who Reviewed Your Property Worked for the Insurance Company, Not for You.

When you file a claim, your carrier sends its own adjuster to evaluate the loss. That does not always mean every covered item is documented, priced correctly, or included the first time.

Some damage never makes it into the first estimate. Roof damage can get missed from the ground. Water can travel behind walls. Contents and business interruption losses can be undervalued or treated like afterthoughts. And when additional damage shows up after the first inspection, it does not always get added unless someone pushes the issue.

A low settlement is not always bad faith. Sometimes it is an incomplete inspection, missing documentation, outdated pricing, or a scope that does not match the real repair work. Either way, the result is the same: you may receive less than your policy provides.

Any of These Sound Familiar?

YOU SHOULD GET A SECOND OPINION IF...

• Your carrier’s offer felt lower than expected

• Your contractor’s estimate is higher than the insurance payout

• Your claim was partially or fully denied

• You already settled, but later discovered additional damage

• You are in the middle of a claim and something does not feel right

• Your business, rental property, multi-family building, or high-value home suffered storm, fire, water, structural, or tornado damage

TriStar will tell you honestly whether your claim has merit. If it does, we will pursue every dollar your policy supports.

A Real Claim Review, Not a Sales Call.

When TriStar reviews a claim, we may look at:

• The insurance company’s estimate and payment letter

• Your policy, coverage limits, and relevant endorsements

• Photos, videos, inspection notes, and repair documentation

• Contractor estimates, invoices, and scopes of work

• Missed damage, code issues, contents, or business interruption losses

• Whether a supplement, dispute, or reopened claim may be appropriate

You will get a straight answer about whether the claim appears underpaid, incomplete, or worth pursuing.

Three Steps. No Upfront Cost.

Step 1: Request your free review

Submit the form below or call us directly. We will schedule a brief conversation to understand what happened, where the claim stands, and what concerns you have about the settlement.

Step 2: We assess your claim

TriStar compares the carrier estimate against your policy, photos, contractor scope, repair pricing, and any damage that may have been missed. We will tell you clearly whether we believe you were underpaid and what the next step may be.

Step 3: We go to work on contingency

If we take your case, our fee comes only from the additional recovery we obtain. If we do not recover more than what you have already been offered, you owe us nothing.

What Clients Say

Rental and investment property owner

“I own many rental and investment properties. The TriStar team has proven its value to me over and over. My loss settlements always net out substantially larger, and my time is greatly freed up for more productive activities. TriStar is always my first step when I have an insured loss.” — Hal Wilson, The Wilson Group

Out-of-state property owner

“Based on the circumstances, and me being a few thousand miles away, I believe I would have had a lot of trouble with the insurance company. I would certainly recommend your service to anyone in a similar situation.” — Glen Mabbott, Property Owner

37 Years. $750 Million Recovered. The Team That Helped Write the Law.

TriStar’s founder helped draft the Tennessee public adjuster licensing legislation. We have been representing property owners in insurance claims for more than 37 years, long enough to understand how carriers evaluate losses, how claim values are built, and where important details often get missed.

TriStar focuses on complex commercial losses, multi-family properties, business interruption claims, and high-value residential losses. Every client works directly with our senior team from inspection through final settlement.

Request Your Free Claim Review →

Common Questions

Is there really no cost for the review?

Correct. The initial consultation and claim review are free. If we take your case, we work on contingency. Our fee is a percentage of the additional recovery we obtain. If we do not recover more, you owe nothing.

Can you help if I have already accepted a settlement?

In many cases, yes. Depending on your policy and the facts of the claim, there may be grounds to file a supplement or reopen the settlement. We will tell you honestly after reviewing your situation.

What size claims do you handle?

TriStar is usually the best fit for commercial losses, multi-family properties, business interruption claims, and higher-value residential claims where the amount in dispute justifies professional representation. We will let you know during the free consultation if your claim is a good fit.

Will hiring a public adjuster make my insurance company angry?

Your policy gives you the right to ask questions, document your loss, and dispute an estimate when something appears incomplete. A public adjuster helps organize and present the claim on your behalf.

How long does the process take?

It depends on the claim type and carrier. Residential claims may resolve in 30–90 days. Complex commercial losses can take 6–12 months. We will give you a realistic timeline after reviewing your specific situation.