The short answer: Friedman & Associates represents Murfreesboro 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 Rutherford 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 Murfreesboro is not a pin on our map. Hannah lived here for years — these are her old stomping grounds.
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 Murfreesboro claim looks like
Middle Tennessee builds fast and storms hard. Rutherford County has been one of the fastest-growing counties in the state for a decade, which means acres of roofs the same age, put on in the same years, by the same crews. When hail crosses a subdivision like that it does not pick and choose, and the carrier's word for all of it is often age.
Tornadoes are not theoretical here either. The federal record carries an EF0 through Murfreesboro itself in July 2024 and an EF1 at Newtown in March 2025. Wind is a covered peril in almost every policy, so those claims are rarely about coverage. They are about how much of the damage the first estimate agreed to count.
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 Rutherford County record
A tornado crossed this town in July 2024. The record still has the date. 110 logged events in the county since 2020, including an EF0 that crossed Murfreesboro itself in July 2024 and an EF1 at Newtown the following March. The 2026 season is already on the record: 10 reports so far. Already this year, Jun 9, 2026: 62 mph wind logged at Smyrna, 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: 12 logged events in this county in the last twelve months, the most recent on Aug 7, 2026. 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 7, 2026 † | Damaging wind | damage reported | Murfreesboro |
| Jul 2, 2026 † | Damaging wind | damage reported | College Grove |
| Jun 9, 2026 † | Damaging wind | damage reported | Nolensville |
| Jun 9, 2026 † | Damaging wind | damage reported | Smyrna |
| May 20, 2025 | Hail | 1.5" | Murfreesboro |
| May 20, 2025 | Hail | 1.75" | Eagleville |
| Mar 15, 2025 | Tornado | EF1 | Newtown |
| Jul 29, 2024 | Tornado | EF0 | Murfreesboro |
† preliminary NWS Local Storm Report; NOAA finalization pending. More of the record lives at Rutherford 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 |
|---|---|---|---|
| Apr 1, 2023 | Tornado — EF2 | Rucker | EF2 |
| Mar 15, 2025 | Tornado — EF1 | Newtown | EF1 |
| Apr 1, 2023 | Tornado — EF1 | Eagleville Arpt | EF1 |
| Jul 29, 2024 | Tornado — EF0 | Murfreesboro | EF0 |
| May 6, 2024 | Hail | Christiana | 2" 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 Murfreesboro
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 Murfreesboro?
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 there really a tornado in Murfreesboro?
Yes. The National Weather Service surveyed an EF0 through Murfreesboro on July 29, 2024, and an EF1 at Newtown in March 2025. If a claim from either week was closed short, the date is still on the record and so is your policy deadline.
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).
Was the May 2024 hail big enough to hurt my roof?
It was. NOAA logged hail to 2 inches, hen-egg size, at Christiana on May 6, 2024, with ping-pong size at Murfreesboro the following May. Hail that size ends the useful life of a shingle whether or not you can see it from the driveway.
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.
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