Tennessee Insurance Claim Appraisers

5.0from 80+ client reviews

Tennessee insurance claim appraisers preparing USPAP-compliant appraisals of personal property, equipment and machinery, fine art, business interests, boats and watercraft, and automobiles and vehicles for insurance claim submission. AppraiseItNow provides credentialed, USPAP-compliant insurance claim appraisals across Tennessee, including Nashville, Memphis, and Knoxville.

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DEFENSIBLE, USPAP-COMPLIANT APPRAISAL REPORTS — QUALIFIED FOR INSURANCE CARRIERS, ADJUSTERS, AND CLAIMS REVIEWERS ACROSS TENNESSEE.

  • State Farm
  • Progressive Insurance
  • Chase
  • Allstate
  • GEICO
  • Tennessee Courts
  • Nationwide Insurance
  • First Horizon Bank
  • IRS

Credentialed Appraisers Serving Tennessee

Between them, our appraisers hold ISA, CAGA, ASA, ABV, and CFA designations, and every report is written to USPAP for insurance carriers, adjusters, and claims reviewers across Tennessee.

Joe Kattan

Joe Kattan

Owner & CEO

Joe founded AppraiseItNow to make a certified, USPAP-compliant appraisal as simple to order as anything else online. A former Bain & Company strategy consultant, Joe leads the entire team and specializes in strategy, growth, and the firm's tech capabilities.

Anne Hay

Anne Hay

Personal Property Appraiser

ISA Accredited Member with 30 years in the trade, from running estate sales and an auction gallery to appraising luxury apparel, furniture, artwork, antiques, and business assets, primarily for IRS tax filings.

Jason Dolph

Jason Dolph

Machinery & Equipment Appraiser

Third-generation auctioneer and CAGA Certified Appraiser with more than 20 years valuing machinery, equipment, vehicles, business assets, and estates for banks, attorneys, and trustees across the Carolinas.

Ashley Innes

Ashley Innes

Personal Property Appraiser

ISA Accredited Member specializing in Asian art, with a Master's from SOAS and a Postgraduate Diploma in Asian Art. Ashley chairs the ISA's Antiques, Furnishings, and Decorative Arts committee and appraises for charitable donation, insurance, and equitable distribution.

Marnie Erkelens

Marnie Erkelens

Vehicle Appraiser

CAGA Certified Appraiser since 2014, covering vehicles, boats, equipment, fine art, and collectibles. A classic-car restoration background informs her vehicle work, with reports prepared for insurance, divorce, and charitable contributions.

Justin Ramirez

Justin Ramirez

Business Valuation Expert & Appraiser

ASA, ABV, and CFA charterholder. Since 2016 Justin has valued businesses for estate and gift tax, purchase price allocations, fairness opinions, lending, and buy-sell agreements, across manufacturing, services, retail, and pre-revenue biotech.

Raymond Ghelardi

Raymond Ghelardi

Business Valuation Expert & Appraiser

Accredited Senior Appraiser with the American Society of Appraisers. Raymond values capital stock, business enterprises, stock options, and intangible assets.

Aron Blue

Aron Blue

Client Success Manager

Manages each engagement from the first enquiry to the delivered report, and keeps you posted at every step along the way.

  • USPAPWritten to the Uniform Standards of Professional Appraisal Practice
  • Replacement valueThe retail replacement cost carriers and adjusters schedule and settle against
  • International Society of AppraisersAccredited Member
  • Certified Appraisers Guild of AmericaCertified Appraiser
  • American Society of AppraisersAccredited Senior Appraiser
  • AICPAAccredited in Business Valuation
  • CFA InstituteChartered Financial Analyst
  • The Appraisal FoundationAuthorized by Congress as the source of appraisal standards

About Insurance Claim Appraisals in Tennessee

AppraiseItNow provides insurance claim appraisals across Tennessee, delivering independent, USPAP-compliant valuations when policyholders and insurers disagree on the amount of a loss. Tennessee courts have established that appraisal provisions apply to disputes over repair costs, scope of work, and damage valuation, making a credentialed third-party appraisal a critical tool for resolving claims efficiently. Whether your dispute involves storm-damaged equipment, a destroyed vehicle, or a collection of fine art, our appraisers produce documentation that holds up to insurer and legal scrutiny.

AppraiseItNow serves clients throughout Tennessee via both remote and onsite appraisal options, so you can get a qualified valuation regardless of where your assets are located. Our appraisal services in Tennessee cover everything from urban Nashville and Memphis to smaller communities across the state.

What Does AppraiseItNow Appraise for Insurance Claims in Tennessee?

We cover the full range of assets commonly involved in Tennessee insurance claim disputes, including:

  • Personal Property, including jewelry, antiques, furniture, coins, collectibles, and household goods
  • Equipment & Machinery, including medical equipment, restaurant equipment, manufacturing machinery, and technology assets
  • Fine Art, including paintings, prints, sculpture, photography, and mixed media
  • Business Interests, including LLCs, S-corps, partnerships, fractional interests, and privately held stock
  • Boats & Watercraft, including sailboats, powerboats, yachts, jet skis, and personal watercraft
  • Automobiles & Vehicles, including cars, trucks, motorcycles, RVs, trailers, and classic vehicles

Who Does AppraiseItNow Serve in Tennessee for Insurance Claims?

We work with individual policyholders, small business owners, fleet operators, collectors, and legal professionals across Tennessee who need an independent, defensible valuation to support or resolve an insurance claim dispute.

Tennessee Insurance Claim Appraisal: Key Legal Context

Tennessee courts have clarified that the appraisal process is distinct from arbitration, limiting appraisers strictly to determining the monetary value of a loss rather than resolving coverage questions. When an insurer acknowledges coverage and makes partial payment, Tennessee courts may compel participation in appraisal if a dispute over the extent of damages remains. Disputes over the scope of repairs needed to restore property to its pre-loss condition are treated as disputes over the amount of loss, giving appraisers meaningful authority over repair methodology and valuation.

Why an Independent Appraisal Matters in Tennessee

Insurance adjusters work for the insurer, not the policyholder. An independent, USPAP-compliant appraisal from AppraiseItNow gives you a credible, third-party valuation that documents the actual cash value or replacement cost of your damaged or destroyed property. This documentation strengthens your position whether you are negotiating directly with your insurer or invoking the formal appraisal provision in your policy.

Common Scenarios That Trigger an Insurance Claim Appraisal in Tennessee

  • Storm or weather damage to equipment, vehicles, or personal property where the insurer's estimate falls short
  • Total loss disputes involving classic vehicles, watercraft, or business machinery
  • Disagreements over the scope of repairs needed to restore property to pre-loss condition
  • Claims involving fine art, collectibles, or antiques where market value is contested
  • Business interruption or asset loss claims requiring documentation of equipment or inventory value

How the Appraisal Process Works with AppraiseItNow

Getting started is straightforward. You submit your asset details and claim information through our platform, and we match you with a credentialed appraiser who specializes in your asset type. The appraiser conducts a remote or onsite inspection, gathers supporting market data, and delivers a written, USPAP-compliant report you can submit directly to your insurer or legal counsel.

What Tennessee clients say we are known for

Tennessee Appraisal Reviews: “I will go with these guys again” and “Absolutely worth the price we paid”

  1. Being the appraiser they come back to“I’d definitely recommend them” Jorge M.Mentioned in 10 reviews
  2. Showing the research and the comparables behind the number“They did the appraisal quickly and VERY thoroughly” Scott B.Mentioned in 7 reviews
  3. Answering fast, and staying reachable while the work runsMentioned in 5 reviews
  4. Delivering the finished report ahead of the deadline“They did the appraisal quickly and VERY thoroughly” Scott B.Mentioned in 5 reviews
  5. Picking up on a weekend, and expediting when a tax deadline is closeMentioned in 3 reviews

Across 17 published Tennessee appraisal reviews, every one from a client who paid AppraiseItNow for an appraisal, the three things they raise most often are that they would hire us again, how much research is visible in the report, and how quickly we answer.

  • My daughter had purchased a very collectible 2003 Mustang Cobra terminator just 3 months before her accident with 50,000 miles on it, for 30,000 dollars. We were experiencing some very heavy rains and she hydroplaned and smashed into a guard rail and totaled her car. The insurance company offered her $18,000, but we told them that was an insult to this car. We kept going round and round with them but they were not budging. Finally we googled an independent appraiser and found AppraiseItNow! Their appraised value was 26,462. They negotiated with the insurance for us and we ended up with 25,900. They were awesome and helped us get much closer to the appropriate value of the Cobra. Absolutely worth the price we paid. Highly recommended!
    Chriss P. ·

    Car Appraisal for Insurance Claim

  • I was very happy with the work put in on my totaled car appraisal. They did the appraisal quickly and VERY thoroughly. I felt like my insurance company gave a very low appraisal and Appraise It Now was very competitive, realistic and true to my expectations. The best part was they did a stellar job negotiating with my insurance company. I feel great about their work.
    Scott B. ·

    Auto Appraisal for Insurance Claim

  • I used AppraiseItNow for the first time last month and I was extremely pleased with the results. I needed an appraisal done for insurance purposes and the level of detail about each of my antique furniture pieces was thorough and very helpful in my being able to get the highest amount possible from my insurance company for the antique items that were damaged. I could see that they spent time making sure that the information she included was correct and current for my antique furniture items in the current market. The team responded to my emails timely to answer any questions I had. I would highly recommend Appraise It Now to get a thorough and professional appraisal done on antique items. I do intend to use them again for other antique furniture and jewelry that I have. Job well done! 😃🤗
    Paige E. ·

    Antique Furniture Appraisal for Insurance Claim

  • Exceptional customer service and fast turnaround on my request for an insurance appraisal. Their professionalism, responsiveness, and attention to detail strengthened my position in an ongoing insurance claim. Incredibly easy to work with—courteous, efficient, and clear in their communication throughout the process. Highly recommend them to anyone needing accurate, independent appraisals for insurance or personal purposes.
    Teresa B. ·

    Personal Property Appraisal for Insurance Claim

  • AppraiseItNow was excellent to work with. They delivered exactly what I needed and were incredibly responsive throughout the process. I’d definitely recommend them!
    Jorge M. ·

    Boat Appraisal for Insurance Claim

  • The short time working with AppraiseItNow was great, Fast on getting on top of any questions you might have any appraisal concerning insurance claim. I will go with these guys again!
    George W. ·

    Motorcycle Appraisal for Insurance Claim

Frequently Asked Questions on Tennessee Insurance Claim Appraisers

Why do Tennessee tax records rarely match insurance values for business property?

Because Tennessee values commercial tangible personal property for tax purposes using original cost minus legislated depreciation schedules, with a residual floor of 20 percent of acquisition cost, rather than individualized market appraisals. That statutory formula can land far from actual replacement cost or actual cash value, so reconciling a claim against county records usually takes an independent appraisal.

Can a Tennessee personal property schedule help document a claim?

Yes, as evidence of existence and age. Tennessee businesses must file an annual tangible personal property schedule with the county assessor under Tenn. Code Ann. § 67-5-901 et seq., listing furniture, fixtures, machinery, and equipment with acquisition costs by year. Those filings corroborate what existed before a loss, though they state cost-based figures rather than loss-date market value.

Are household contents listed on Tennessee tax rolls?

Generally no. Tennessee exempts $7,500 of household goods, furnishings, and apparel in consumer hands from property tax, so typical household contents never appear in county records. Proof of value for a homeowner's or renter's claim therefore rests on the owner's own documentation and appraisal.

Does Tennessee require a licensed real estate appraiser for personal property claims?

No. The licensure and MAI requirements in Tenn. Code Ann. § 29-17-1004 apply to real estate condemnation appraisals. Tennessee imposes no parallel statutory license for appraising jewelry, vehicles, equipment, or other personal property in insurance matters.