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
Residential Property Damage Documentation for Tennessee Homes
When a home is damaged, the people involved rarely have a complete, organized record of it. Delator Claims Division produces one, room by room and elevation by elevation, for homeowners, landlords, tenants, carriers, adjusters and attorneys anywhere in Tennessee.
- Coverage
- 95 of 95 counties
- Dispatch
- 24 / 7 / 365
- Metro response
- Under 60 min avg.
- Statewide
- 4-hour guarantee
What this service covers
Residential losses come in every form, and the cause is often less important to the record than the setting. A house has occupants who keep living in it, belongings in every room, and repairs that begin as soon as a contractor is available. Damage is spread across kitchens, bedrooms, garages, crawl spaces and detached buildings, and it sits beside ordinary wear that was there before the loss.
A Delator investigator works through the home in a fixed order so nothing is skipped and every image can be located. Undamaged rooms are recorded too, because they establish the general condition and finish level of the house. The work is neutral. Delator does not adjust the claim, prepare a repair estimate, value belongings or advise the homeowner, and it does not act as a public adjuster.
Times a household needs its damage on record
- A family is moving out during repairs and wants every room recorded before furniture and belongings are packed.
- A landlord and tenant disagree about which conditions existed before the loss and which appeared afterward.
- A homeowner believes the carrier's inspection missed rooms or a detached garage and wants a complete record.
- A contractor has finished part of the repair and a party wants the remaining unrepaired areas recorded.
- An estate, trust or absent owner needs the state of an unoccupied house established on a specific date.
How a home is recorded, inside and out
- Room-by-room sequence
- Every room photographed from each corner, then walls, ceiling and floor in turn, labeled by room name and level so the set reads like a floor plan.
- Finishes and built-ins
- Cabinetry, countertops, trim, flooring type and fixtures in damaged rooms and matching undamaged rooms, giving reviewers a basis for comparing finish quality throughout the house.
- Belongings in damaged rooms
- Furniture, clothing, electronics and household goods photographed as they sit, grouped by room, without assigning value or deciding what can be cleaned or kept.
- Exterior elevations and grounds
- All sides of the house plus decks, porches, driveways, retaining walls and landscaping, with damaged and undamaged portions shown in the same frames.
- Garage, crawl space and outbuildings
- Attached and detached garages, storage buildings and accessible crawl space openings, recorded from safe positions with stored contents visible.
- Pre-loss indicators
- Older cracks, previous patches, faded or worn surfaces and prior water marks recorded alongside the claimed damage, described neutrally in the field notes.
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.
Homes are repaired quickly because people live in them
A family cannot leave a kitchen torn up or a bedroom open to the weather. Emergency services secure the house, contents are packed out to storage or thrown away, and contractors start as soon as materials arrive. Each trade removes something: flooring, cabinets, drywall, fixtures. Belongings that were damaged are frequently discarded early because they are wet, smoky or in the way, well before anyone has listed them.
The result is a claim file built on a few phone photographs and memory. A full record made in the first day or two gives everyone something firmer. Routine deployment puts an investigator at the home in 1 to 2 days, Rush in 12 to 20 hours, and Emergency in 30 minutes to 4 hours when work is about to start. Records are typically delivered the same day.
Pre-existing condition, missed rooms and what the record is for
Residential disputes commonly involve pre-existing condition. A cracked tile, a stained ceiling or a soft subfloor may be claimed as part of the loss by one party and described as old by the other. Completeness is another point of friction, where an inspection was brief and areas were not opened or viewed. Matching is a third: whether undamaged finishes adjoining the repair are comparable to what is being installed.
A neutral record helps each of those conversations without deciding them. It is used by desk adjusters, by attorneys on either side, by appraisers and umpires, and by homeowners who represent themselves. For homeowners and tenants, Delator documents evidence and nothing more. It is not a law firm or an insurer, and it does not advise on the claim, on deadlines or on strategy. Entry requires permission from someone with authority over the home.
On this assignment Delator field personnel record what is physically present: photographs, video, measurements and factual notes. They do not adjust, appraise or value the loss, do not determine coverage, cause or fault, and do not represent any party to the claim.
Delator Claims Division is not a law firm, an insurer or an engineering firm, and nothing on this page is legal advice.
Common questions about this service
Is this the same as hiring a public adjuster?
No. A public adjuster represents a policyholder in valuing and negotiating a claim. Delator does not hold that license and does not offer that service. Our work for homeowners is limited to a neutral record of physical condition, which you or your representative may then use as you see fit.
How long does a visit to a typical house take?
It depends on the size of the home, how many rooms are affected and how much is stored in them. The investigator works through the whole house in sequence and does not rush damaged areas. If occupants need to limit access to certain hours, say so when requesting the visit.
I rent the home. Can I order documentation without the landlord?
A tenant can request documentation of the areas the tenant lawfully occupies and of the tenant's own belongings. Areas under the landlord's exclusive control require the landlord's permission. Delator does not give advice about lease rights or obligations.
Can you come back after repairs to record the finished work?
Yes. A return visit can record the repaired areas using the same room sequence, so the earlier and later sets can be compared side by side. Delator records what is visible and does not evaluate workmanship, code compliance or whether the repair was adequate.
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.