Clarke & Cohen represents Tennessee policyholders across every property type, including homes and historic buildings, music venues and restaurants, office towers, medical centers, apartment communities, churches, schools, and distribution and manufacturing operations, guiding each claim from beginning to end.

Common Property Claims in Tennessee

Each of Tennessee's three grand divisions carries its own risks. Middle Tennessee sits in the heart of tornado country, where the March 2020 storm tore through Nashville and Cookeville and the 2023 tornado struck Clarksville, while flash flooding remains a serious threat, as Waverly experienced in 2021 and Nashville learned in the historic 2010 flood. West Tennessee, anchored by Memphis, deals with severe straight-line winds, hail, and the ice storms that periodically bring the region to a standstill. In East Tennessee, Knoxville, Chattanooga, and Johnson City see their share of storms and winter losses, and the 2016 Gatlinburg wildfire showed how quickly fire can move through the mountains. Statewide, frozen pipes, roof damage, and business interruption losses round out the claims Tennessee owners face most often.

Our consultants approach every one of them the same way, representing the policyholder alone, verifying coverage, documenting the loss thoroughly, valuing it in full, and presenting a claim built for complete recovery.