The short answer: Friedman & Associates represents Knoxville 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. The initial claim review is free. If we offer representation, the written agreement states the contingency fee before you decide. No recovery, no fee. Call 877-650-3515 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.
NOAA ledger
TDCI Rule 0780-01-05
Every kind of Knox 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 Knoxville claim looks like
Two housing stocks, two arguments. Along the river in Sequoyah Hills and Westmoreland the houses are old and expensive to put back: slate, standing-seam copper, plaster, true divided-light sash. None of that is a drop-down in estimating software, and a template prices it as something cheaper every time.
West toward Farragut and Concord the builds are newer and the fight is scope instead. Ridge winds strip a street at a time, and in December 2025 one night of them put more than seventy-five calls into the county 911 system. In February 2026 the wind peeled strips of roofing off a building on Chapman Highway and took trees down downtown.
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. Four quick moves build your private review.
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 dispute falls within the valuation questions assigned by an applicable appraisal clause, either party may demand appraisal under that clause; the exact policy and claim record control (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. Read it the day a claim goes sideways. Do not assume negotiations extend the deadline; have Tennessee counsel calculate and preserve the earliest plausible deadline under the policy and governing law.
The Knox County record
Seventy-five calls to 911 in one night. One line on the record. 146 logged events in the county since 2020, including an EF2 that came through Byrds Chapel in August 2023. 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 1.75", at Karns, about 11 miles from Knoxville, on September 4, 2025. Already this year, Feb 20, 2026: 60 mph wind logged at South Knoxville, 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: 23 logged events in this county in the last twelve months, the most recent on May 20, 2026, including 10 hail reports. 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 |
|---|---|---|---|
| May 20, 2026 † | Damaging wind | damage reported | Lake Forest |
| May 20, 2026 † | Damaging wind | damage reported | Mascot |
| May 20, 2026 † | Damaging wind | damage reported | Maloneyville |
| May 20, 2026 † | Damaging wind | damage reported | Knoxville |
| Dec 18, 2025 | Damaging wind | 60 mph | Knoxville |
| Oct 21, 2025 | Hail | 0.75" | Neubert |
| Sep 4, 2025 | Hail | 1.75" | Beaver Ridge |
| Aug 7, 2023 | Tornado | EF2 | Byrds Chapel |
† preliminary NWS Local Storm Report; NOAA finalization pending. More of the record lives at Knox 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 |
|---|---|---|---|
| Aug 7, 2023 | Tornado — EF2 | Byrds Chapel | EF2 |
| Sep 4, 2025 | Hail | Beaver Ridge | 1.75" hail |
| Apr 10, 2025 | Hail | Robinson | 1.75" hail |
| Sep 4, 2025 | Hail | Beaver Ridge | 1.5" 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 Knoxville
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 Knoxville?
The initial claim review is free. If we offer representation, the written agreement states the contingency fee and scope before you decide. 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 September 2025 hail big enough to hurt my roof?
It was. NOAA logged hail to 1.75 inches, golf-ball size, near Beaver Ridge on September 4, 2025. Hail from an inch up bruises asphalt shingles and dents soft metals, and none of it has to be visible from the ground.
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?
If the policy contains an applicable appraisal clause and the dispute falls within the valuation questions assigned to the panel, either party may demand appraisal under that clause; the exact policy and claim record control (Merrimack Mutual v. Batts, 2001).
My house is old and in Sequoyah Hills. Why is the estimate so low?
Because it was priced by software with modern defaults. Slate, standing-seam copper, plaster, and true divided-light sash are not defaults, and putting them back properly costs what it costs. That has to be scoped and priced 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 877-650-3515