The short answer: Friedman & Associates represents Franklin policyholders in hail, wind, tornado, water, fire, and commercial claims, and in our specialty: claims that were denied or underpaid. We are licensed in Tennessee and inspect in person, on the roof and in the attic. Fees are contingency only, capped by statute at 15% before an offer and 25% of the increase after. No recovery, no fee. Call 770-230-2616 or text the partners.
Call us before you call your carrier. The first phone call shapes the whole claim. Already filed, or an adjuster already assigned? We're still your next call.
Tenn. Code Ann. § 56-6-913
NOAA ledger
TDCI Rule 0780-01-05
Every kind of Williamson loss.
Results and press
$1,664,329 recovered above the carriers' first offers on just 10 recent published files, from more than a decade of this work. See real case results. You could be next.
"He helped me recover 4 times what insurance was offering… extremely diligent and moralistic in how he worked." Kelly, Google review · 4.8★ across 23 reviews · read them all
When you hire the firm, you get the partners: Joshua and Hannah Friedman, with Callie Macho on client success. Not a call center, and not a drive-by inspection either.
Want the fuller picture first? The film, the results register, and the client portal are all at the front door. Meet the firm →
What a Franklin claim looks like
On May 20, 2025 the National Weather Service recorded measured three-inch hail at Peytonsville and estimated baseball-size hail at Franklin, with quarter-size still falling at Thompson's Station. Stones that size do not bruise a roof. They end it, and they end gutters, vents, flashing and soft metals with it.
The historic district is a different claim entirely. Brick, slate, standing-seam metal, true divided-light sash and old-growth framing are not drop-downs in estimating software, and out toward Leiper's Fork the losses run to barns, fence lines and outbuildings that sit under other structures with their own limits.
High-value claims get private-client handling: strict confidentiality, your file held at the partner level, and the expert bench a complex home deserves. Private client services →
Not every claim qualifies. Three taps to find out if yours does.
The law and the clock
Tennessee puts three deadlines on your carrier: 30 days to acknowledge, 60 days to decide with written reasons, 30 days to pay what's undisputed (TDCI Rule 0780-01-05). The matching rule makes mismatched repairs the carrier's problem, not yours, and entitles you to its depreciation worksheet on request. When the number is the fight, appraisal forces a binding valuation (Merrimack Mutual v. Batts, 2001), and a bad-faith refusal to pay can cost the carrier up to 25% more (§ 56-7-105).
One clock outranks everything: your policy's own "Suit Against Us" clause. Tennessee's contract statute runs six years, but policies commonly shorten it to one or two by clause. Read yours the day a claim goes sideways — negotiation does not pause it.
The Williamson County record
Three inches of hail fell on this town in one afternoon. 194 logged events in the county since 2020, including measured three-inch hail at Peytonsville and baseball-size hail at Franklin on the same May afternoon in 2025. The 2026 season is already on the record: 9 reports so far. The biggest hail on the record near here in the last twelve months is 1", at 5 Nnw College Grove, about 10 miles from Franklin, on November 8, 2025. Already this year, Apr 28, 2026: 70 mph wind logged at Fairview, in this county. Tying your damage to a dated event on this record is how a wear-and-tear opinion gets rebutted.
Inside the one-year window: 14 logged events in this county in the last twelve months, the most recent on Aug 8, 2026, including 1 hail report. Policies commonly shorten the suit deadline to one or two years by clause, so those are the dates still working for you.
| Date | Event | Size or speed | Where |
|---|---|---|---|
| Aug 8, 2026 † | Damaging wind | damage reported | College Grove |
| Jul 3, 2026 † | Damaging wind | damage reported | Franklin |
| Jul 3, 2026 † | Damaging wind | damage reported | Nolensville |
| Jul 2, 2026 † | Damaging wind | damage reported | Nolensville |
| Apr 16, 2026 | Damaging wind | 60 mph | Franklin |
| Nov 7, 2025 | Hail | 1" | Arrington |
| May 20, 2025 | Hail | 2.75" | Franklin |
| May 20, 2025 | Hail | 3" | Douglas |
† preliminary NWS Local Storm Report; NOAA finalization pending. More of the record lives at Williamson County: per-row federal links, refreshed weekly (last: 2026-08-10). Source: NOAA Storm Events Database, cross-read against NWS Local Storm Reports. Storm reports are point observations from spotters, stations, and survey teams — a sample of what happened, never an inventory. The absence of an entry for a date or place is not evidence that no damage occurred there.
The most severe on the county record
Carriers audit storm claims against this same federal record. By its own measurements, the worst of it looked like this:
| Date | Event | Where | Measured |
|---|---|---|---|
| Mar 30, 2025 | Tornado — EF0 | Craigfield | EF0 |
| Aug 12, 2023 | Tornado — EF0 | Ewingville | EF0 |
| May 9, 2021 | Tornado — EF0 | Rudderville | EF0 |
| May 20, 2025 | Hail | Peytonsville | 3" hail |
| May 26, 2024 | Hail | Leipers Fork | 3" hail |
Ratings, hail sizes and wind speeds as recorded by the National Weather Service. NOAA also logs a rough dollar figure for some events; those are whole-event estimates entered by the local office, frequently blank and often far below real losses, so we do not publish them as if they meant anything about your claim.
Questions from around Franklin
Should I call you before I call my insurance company?
Yes. What gets said in the first call shapes the whole claim, so talk to us first. Already filed, or an adjuster already assigned? Call us anyway. We step in at any stage, and the earlier the better.
How much does a public adjuster cost in Franklin?
Tennessee sets the ceiling by statute (Tenn. Code Ann. § 56-6-913): at most 15% of the settlement if you hire us before the carrier makes an offer, at most 25% of only the increase after one, and nothing may be collected before your claim settles. No recovery, no fee.
How long does an insurance company have to pay a claim in Tennessee?
Thirty, sixty, thirty. Tennessee’s claims rules give the insurer 30 days to acknowledge, 60 days after your completed proof of loss to accept or deny with written reasons, and 30 days to pay undisputed amounts after accepting liability. Put every blown deadline in writing.
Was the May 2025 hail really three inches?
Measured, not estimated. The National Weather Service recorded three-inch hail at Peytonsville on May 20, 2025 and baseball-size hail at Franklin the same afternoon. If your roof was under that storm and has not been properly inspected, it should be.
The repair will not match the rest of my roof. Is that my problem?
No, it is the carrier’s. Tennessee’s matching rule requires replaced items to be brought to a reasonably uniform appearance, and the insurer must hand over its depreciation worksheet on request. Ask for both in writing.
The check will not rebuild the roof. What is the lever?
Your policy carries one. When the carrier admits coverage but the number is wrong, the appraisal clause forces a binding valuation by independent appraisers (Merrimack Mutual v. Batts, 2001).
My house is in the historic district. Does that change the claim?
It changes the price of putting it back. Brick, slate, standing-seam metal and true divided-light sash cost what they cost, and a standard estimate prices them as something cheaper. That has to be scoped before the carrier prices it for you.
Our contractor offered to handle the insurance claim. Is that normal?
It is common after every storm, and claim negotiation in Tennessee is licensed public adjuster work. That is no knock on your contractor. We handle the carrier, your builder handles the build, and we work well beside good contractors. One more thing: don’t let cleanup outrun the camera — tarps and tear-off erase the evidence your claim is built on.
Prefer a quieter first step? Ask us anything, free: a real answer from a licensed adjuster, no strings.
Friedman & Associates are licensed Tennessee public adjusters, not attorneys. Our work is the licensed practice of public adjusting: reading the policy, documenting and valuing the loss, negotiating with the carrier, and preparing appraisal. Nothing on this page is legal advice, and litigation, including bad-faith suits under § 56-7-105, is referred to independent policyholder counsel.
Don't take the carrier's first number. A free, confidential review by Tennessee-licensed public adjusters. Under § 56-6-913, nothing is ever owed before your claim settles. No recovery, no fee.
See if my case qualifies 770-230-2616