Services
Document a loss
Support a claim
For carriers and employers
Service areas
Middle Tennessee
- Nashville
- Clarksville
- Murfreesboro
- Franklin
- Hendersonville
- Smyrna
- Spring Hill
- Gallatin
- Lebanon
- Columbia
- Brentwood
- Mount Juliet
- La Vergne
- Cookeville
East Tennessee
West Tennessee
Field Adjusting Assignments for Insurance Carriers
Delator Claims Division performs field adjusting assignments on behalf of insurance carriers, self-insured entities, third-party administrators and their counsel throughout Tennessee. This service is not offered to policyholders or claimants, who can instead request neutral documentation of a loss.
- Coverage
- 95 of 95 counties
- Dispatch
- 24 / 7 / 365
- Metro response
- Under 60 min avg.
- Statewide
- 4-hour guarantee
What this service covers
A desk adjuster can read a first notice of loss and a repair estimate, but someone still has to stand in front of the vehicle, the roof or the loading dock. Delator takes that field assignment for the carrier: inspecting the loss, meeting the insured or claimant, recording what is damaged and what is not, and reporting back in the format the claim file calls for.
Delator works these assignments for carriers only. It does not adjust on behalf of policyholders and does not act as a public adjuster. Coverage decisions, reserves and settlement authority stay with the carrier or administrator that assigned the file. The field work runs on the same statewide dispatch network that supports Delator Field Services, so an inspection in a rural county is scheduled the same way as one in Nashville.
Assignments carriers send to the field
- A carrier without staff adjusters in a Tennessee county needs an in-person inspection of a reported auto or property loss.
- Claim volume after a regional storm exceeds what the carrier's own field staff can inspect within its internal service standards.
- A third-party administrator handling a self-insured fleet needs a damaged unit inspected at a tow yard before storage charges grow.
- A desk adjuster questions whether photographs submitted by the insured show the full extent of the reported loss and wants an independent look.
- An out-of-state carrier writing a small book of Tennessee business needs a dependable field resource for occasional losses.
What a field adjusting assignment covers
- Loss inspection
- In-person inspection of the vehicle, structure or equipment named in the claim, with timestamped photographs of damaged and undamaged areas for comparison.
- Scope notes
- A written description of what was observed, item by item, including materials, dimensions and apparent age where they can be seen without destructive testing.
- Insured or claimant contact
- A scheduled meeting at the loss location to walk the damage, record the account of what happened and note any items the person points out.
- Prior and unrelated damage
- Photographs and notes separating damage that appears older, weathered or outside the reported area from the damage attributed to the loss.
- Salvage and storage status
- Where the vehicle or property is being held, who controls it, accruing charges if disclosed, and whether it has been altered since the loss.
- Field report to the file
- A report following the carrier's own guidelines and forms, delivered securely to the assigning adjuster, typically the same day as the inspection.
From request to delivered record
- RequestCall dispatch or submit the request form with the location, loss type and urgency.
- DeployDispatch assigns the nearest available licensed field investigator through the statewide network.
- DocumentPhotographs, video, measurements and factual notes are captured once the scene is safe to work.
- PreserveFiles are timestamped, organized and kept in their original form with a record of who captured them.
- ReportThe package is delivered securely to the requesting party, typically the same day.
How the field assignment fits the carrier's claim file
The assigning adjuster defines the task. Some carriers want a photo inspection and scope notes only. Others want the field adjuster to meet the insured, explain the inspection process, and complete the carrier's own worksheets. Delator follows the instructions on the assignment and does not expand them. If something outside the assignment appears relevant, such as a second damaged vehicle on the property, it is noted and reported so the carrier can decide whether to act on it.
Delator does not interpret the policy for the insured, promise payment, or state what the carrier will decide. Questions about coverage raised during an inspection are referred back to the assigning adjuster. That separation keeps the field record factual and protects the carrier from statements it did not authorize. Reports describe what was seen, measured and said, with photographs keyed to the notes so a reviewer who was not present can follow them.
Timing, access and conditions that change after a loss
Field inspections lose value as conditions change. Vehicles are moved from the scene to a tow yard, then to a body shop or salvage pool. Roofs are tarped, water-damaged flooring is pulled, and debris is hauled away. Each step is reasonable, and each one removes something a later inspector would have wanted to see. Routine, Rush and Emergency deployment tiers let the carrier match the inspection to how quickly the loss is likely to be disturbed.
Access is arranged before the trip. Delator confirms the location of the property, the hours of the yard or shop, and whether the insured will be present. When access is refused or the property has already been repaired or released, that is reported with the date, time and the name of the person spoken to, so the file shows what was attempted and why the inspection could not be completed as assigned.
This service is available to insurance carriers, self-insured entities, third-party administrators and the attorneys who represent them. Delator reports facts and observed indicators; decisions on coverage, liability, settlement and any fraud referral remain with the client.
It is not offered to policyholders or claimants, and Delator does not act as a public adjuster. Policyholders and claimants can request neutral scene documentation instead.
Common questions about this service
Can a policyholder hire Delator to adjust a claim against their insurer?
No. Delator does not adjust on behalf of policyholders and does not act as a public adjuster. A policyholder or claimant can request neutral documentation, which records the physical condition of the loss with photographs, measurements and notes, without valuation, negotiation or any opinion on coverage.
Does the field adjuster make the coverage decision?
No. Coverage, reserves and payment decisions remain with the carrier, self-insured entity or administrator that assigned the file. Delator inspects, records and reports within the instructions given, and refers coverage questions raised at the inspection back to the assigning adjuster.
Which parts of Tennessee can you inspect in?
All 95 counties. Dispatch operates around the clock, with an average response under 60 minutes in metro areas and a four-hour statewide deployment guarantee. Routine inspections are normally on site in one to two days, with Rush and Emergency tiers for losses that will not wait.
Who performs the inspection?
Field personnel are licensed Tennessee private investigators trained in evidence documentation. Assignments are not subcontracted to unaffiliated third parties, so the person who inspects the loss is accountable to Delator and can be reached later if the assigning adjuster or counsel has questions about the report.
Available statewide, including
Every Tennessee county is covered. See the deployment map for typical response tiers by county.
Request documentation anywhere in Tennessee
Dispatch is staffed around the clock. For time-sensitive scenes, calling is fastest; the request form works for routine and scheduled assignments.