Tennessee Information
A public adjuster in Tennessee is a licensed professional you hire to represent your interests—not the insurance company’s. For commercial property owners, their value lies in managing complex claims (like business interruption, inventory losses, structural damage) and ensuring your full losses are documented and negotiated effectively.
Continental Adjusters LLC
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Tennessee-Specific Rules & Consumer Protections
1. Licensing Required by Law
- No one may act as a public adjuster in Tennessee without a valid license under the Public Adjuster Licensing Act.
→ See the Tennessee Department of Commerce & Insurance (via its licensing packet) for detailed requirements. https://www.tn.gov/content/dam/tn/commerce/documents/insurance/forms/PublicAdjusterPkt.pdf
2. Business Entities & Designated Adjuster
- If an entity acts as a public adjuster, it must designate a licensed public adjuster responsible for its legal compliance.
→ Tennessee Code § 56-6-903 sets this requirement. https://law.justia.com/codes/tennessee/title-56/chapter-6/part-9/section-56-6-903/
3. Surety Bond & E&O Requirements
- Public adjusters must submit a $50,000 surety bond and maintain Errors & Omissions insurance (minimum $500,000) as part of licensing.
→ From Tennessee’s licensing packet and licensing forms. https://www.tn.gov/content/dam/tn/commerce/documents/insurance/forms/PublicAdjusterPkt.pdf
4. Examination, Background, & Qualifications
- Applicants must pass a state exam, submit fingerprints for background checks, be at least 18, and meet fitness standards.
→ Licensing packet from TDCI for public adjusters.
https://www.tn.gov/content/dam/tn/commerce/documents/insurance/forms/PublicAdjusterPkt.pdf
5. Recordkeeping & Ethical Duties
- Licensed public adjusters in Tennessee must maintain complete records, disclosures, and conduct their services loyally to the insured, not misrepresenting themselves.
→ Regulations for public adjusters in Tennessee rules. https://publications.tnsosfiles.com/rules/0780/0780-01/0780-01-91.pdf
6. License Lookup & Oversight
- Tennessee’s Agent/Producer resources include license lookup tools and oversight via the Department of Commerce & Insurance.
→ TDCI’s Agent/Producer resources and licensing pages. https://www.tn.gov/commerce/insurance/agent-producer-resources.html
When to Consider Hiring a Public Adjuster
You may consider hiring a public adjuster when:
- Your commercial property has sustained major damage (fire, storm, wind, water intrusion).
- You’re filing a business interruption / lost income portion of your claim.
- The insurer’s offer seems low compared to your documented losses.
- Your property involves multiple units, inventory, specialty coverages, or large-scale commercial operations.
Resources for Tennessee Commercial Property Owners
1. Tennessee Department of Commerce & Insurance (TDCI)
- The regulatory body handling public adjuster licensing, oversight, and enforcement.
2. Agent/Producer Resources (TDCI)
- Where licensing, forms, fingerprinting, and license verification are centralized. Agent/Producer Resources
3. TDCI Public Adjuster Licensing Packet
- A detailed guide for licensing requirements, bond, E&O, and exam rules. https://www.tn.gov/content/dam/tn/commerce/documents/insurance/forms/PublicAdjusterPkt.pdf
Quick Checklist for Tennessee Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document property damage and business interruption losses (photos, business records, receipts). |
| 2 | Avoid final repairs until the insurer inspects; document any temporary fixes. |
| 3 | Track all interactions—dates, names, summaries—with your insurer or adjuster. |
| 4 | Confirm any public adjuster’s license and bond via TDCI’s licensing resources. |
| 5 | Ensure the contract is compliant with Tennessee statute (disclosures, duties, scope). |
| 6 | Request that the adjuster provide itemized estimates, documented methodology, and proof of compliance. |
| 7 | Prefer adjusters with commercial claim experience—business interruption, inventory, multi-unit properties. |
Why Align with Continental Adjusters?
Continental Adjusters supports commercial property owners in Tennessee by:
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- Verifying adjuster licensing, bonding, and contract compliance under Tennessee law.
- Connecting you with public adjusters experienced in commercial property and business interruption claims.
- Helping you navigate TDCI’s licensing tools, requirements, and oversight processes.
- Ensuring your claim is handled transparently, professionally, and with your business’s best interests in mind.
In Tennessee, the law mandates that public adjusters be licensed, bonded, and meet qualification standards. For commercial property losses—especially those involving lost income or large structural damage — Continental Adjusters can provide the advocacy and documentation necessary to maximize recovery.
Need Help Finding a Public Adjuster in Tennessee?
Contact Continental Adjusters LLC today — we help protect your interests and maximize your insurance recovery.
