Over $100 millionrecovered for policyholders
Fighting for policyholders throughout the Southeast and Midwest
Experienced Nashville Insurance Dispute Attorneys
Advocating for the rights of policyholders across Tennessee
Accidents can happen at any time for many reasons. Insurance coverage is there to protect you when there’s been a fire or you’ve had water or wind damage from equipment malfunctions, dangerous storms, or any other mishap of life. Unfortunately, trying to get a fair insurance settlement that will fully cover your loss can be a difficult proposition. Insurance companies are notorious for finding loopholes in their policy language that gives them a way out. These ambiguities may result in you being told that you have insufficient or incorrect coverage for the damage you sustained, leaving you exposed financially.
At McWherter Scott & Bobbitt, our Nashville insurance lawyers have a strong track record of successfully negotiating and litigating insurance claims. We fight hard to make sure that you receive the maximum insurance payout that you are owed for your loss. We have the experience and know-how to hold insurance carriers accountable when they stall their investigation, undercut repair estimates, or delay issuing timely settlement payments.
McWherter Scott & Bobbitt handles an array of insurance disputes
Our Nashville insurance dispute attorneys represent businesses and individuals who need prompt payment for their property damage and contents losses to minimize further loss. Renting storage units to hold belongings you’ve been able to salvage, moving into temporary office or living space, and having to make other transitory arrangements often costs victims more than they would otherwise spend had their lives not been disrupted. We represent policyholders in:
- Commercial property claims
- Restaurant claims
- Manufacturing facility claims
- Churches and non-profits
- Condominium claims
- Hotel claims
- Industrial and warehouse claims
- Residential claims
- Multi-family dwelling claims
Our firm works with financial experts, construction companies, adjusters, and other professionals to accurately value the losses you sustained. We have years of experience contesting Xactimate results, and effectively arguing that your losses are indeed covered by your policy.
Help for business and commercial property owners
When your any business sustains damage, it means loss of profits. We understand that your primary concern is getting back on track, and without a quick resolution through the insurance policy you’ve diligently paid for all of these years, you may be facing financial disaster as well.
Our Nashville insurance lawyers represent insured in business interruption claims and all that entails, including:
- Structural repairs
- Lost economic damages including loss of inventory and equipment
- Loss of good will
- Ingress and egress
- Continuing overhead expenses
- Data and technology loss
We also defend many of the tactics carriers use to argue against payment such as raising issues of responsibility and control, whether or not the property was common property, and any policy exclusions they attempt to enact.
Many insurance companies will make every effort to reduce their payout under your policy, whether it’s for your business or home. They may decrease the cost of your repairs by only agreeing to pay for cheaper replacement materials to justify making an insufficient settlement offer. If you own a business, they may also argue that your profits are speculative or that the loss is not covered by the policy they sold you.
Common causes of Nashville insurance loss claims
You purchase insurance to protect yourself from losses in times of need. The attorneys of McWherter Scott & Bobbitt routinely represent insured facing losses from:
- Tornado damage
- Hail damage
- Earthquake damage
- Theft
- Vandalism
Your policy determines the type of coverage you have, and certain events may not be covered by your policy. When carriers behave unreasonably, it can lead to a bad faith claim. Bad faith claims allow us to go after the insurer for not only your actual damages, but also punitive damages that may be awarded to punish the insurance company and deter them from similar future behavior.
When insurance agents fail to properly process your claim, make misrepresentations, omit certain coverage, or fail to apply your premiums, our attorneys may bring a claim for negligence against the insurance agent and the parent insurance company. You trust that your agent will properly handle your policy and behave in a reasonable manner in line with his or her duties. Carelessness or intentionally misleading policyholders to boost sales opens the agent up to liability when you experience coverage issues as a result.
Additional services for policyholders
Disability and life insurance. When individuals suffer a disability or lose their life, we file a civil suit on behalf on the disabled worker or the surviving family members to protect the victim’s rights under the insurance contract he or she executed with the carrier. Enforcement of these policies is of the utmost importance when it may mean the difference between level of recovery and quality of life for an injured insured, or financial survival for his or her family members left behind. We handle individual policies, group disability policies issued through employers, and ERISA claims.
Health insurance claims. Health insurance is complicated, and policyholders often find themselves paying far more for medication and procedures than they thought they would. Sometimes, this is the result of reaching your annual limits, but often, it is the result of providers and insurers putting their profits ahead of your wellbeing. If your claim has been denied or delayed, or if you are facing higher costs because of balance billing practices, contact us today.
You deserve fair treatment by the insurance company in which you placed your trust
At McWherter Scott & Bobbitt, our Nashville insurance lawyers understand the tactics and strategies insurance companies use to minimize or defeat your claims. We are ready to make sure insurance companies pay the maximum amount the law and the insurance contract demand. To schedule a consultation to have your case reviewed by an experienced Nashville insurance dispute lawyer, please call 731-664-1340, or reach out to us through our contact form.
Our Nashville Office
McWherter Scott & Bobbitt
1900 Church St #332,
Nashville, TN 37203