Claim help · Middle Tennessee
Insurance Claim Help: What to Do First
When something goes wrong, you shouldn’t have to figure it out alone. Here are the first steps, and how we can help.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Make sure everyone is safe, prevent more damage if you can, document what happened, and report the claim to your insurance company using the claim line on your policy or ID card. Our office can answer coverage questions and help you find that number during business hours at 615-562-5100.
Coverage
First steps after a loss
These steps apply to most claims.
-
1. Get safe
Call 911 if anyone is hurt or there’s danger.
-
2. Prevent more damage
If it’s safe, cover a roof leak or shut off water.
-
3. Take photos
Photograph damage, the scene and any receipts.
-
4. Exchange information
After an accident, swap names, insurance and plate numbers.
-
5. Report the claim
Call the claim line on your policy or ID card. We can help you find it.
-
6. Keep records
Save receipts for repairs and extra living costs.
Whether a loss is covered depends on your policy. The insurance company reviews, adjusts and pays claims; our office does not. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
By type of loss
A few specifics by type.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Auto: get a police report number if police respond
- Home: don’t throw away damaged items until the adjuster says it’s okay
- Boat: secure the boat and note where it happened
- Theft: file a police report first
Around Middle Tennessee
How our office helps
We can help you find your claim line, explain the general steps and answer questions about your policy. We don’t adjust, approve or pay claims. The insurance company’s adjuster handles the claim decision and any payment.
Our office is open Monday through Friday, 8:00 AM to 5:00 PM. Outside those hours, call the claim number on your policy or ID card.
Sources: Tennessee Department of Commerce & Insurance: Insurance Division
Not sure if you should file?
Call us. We’ll explain how the process works so you can decide.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why it helps to have a local agent
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Middle Tennessee Claim Help FAQs
Updated
Who do I call first after an accident?
Call 911 if anyone is hurt. Then report the claim to your insurance company’s claim line. You can call our office during business hours with coverage questions.
Can your office file the claim for me?
The claim is reported to and handled by the insurance company. We can help you find the claim line and explain what to expect.
What if it happens after hours?
Call the claim number on your policy or ID card. You can call us the next business day too.
Should I take photos?
Yes. Photos of the damage, the scene and any receipts help.
Will filing a claim raise my rate?
It can, depending on the claim and the policy. We’ll explain what we can, but we can’t promise how a claim will affect your price.
Can I send this form to report a claim?
No. This form is for coverage questions. Call 615-562-5100 or your claim line to report a claim.
What if I disagree with a claim decision?
Call us and we’ll help you understand it. The Tennessee Department of Commerce and Insurance also has consumer resources.
Do I need my policy number?
It helps, but call us even if you can’t find it.
How long does a claim take?
It depends on the claim and the insurance company, which handles the timeline. We can answer questions about your policy along the way.
Questions about your coverage?
This isn’t a claim form. Send us a note about your coverage and we’ll follow up. To report a claim, call 615-562-5100 or the claim line on your policy.
Stop By or Call Our Mt. Juliet Office
Have a question about claim help or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed