Claims · Support for licensed adjusters
Independent Claims Adjusting Support in Tennessee
DFS works as field support for independent adjusters and carriers, handling the scheduling, documentation and records tasks that keep a claim file moving while the licensed adjuster makes the decisions.
More files than adjusters
After a storm, or simply in a busy season, an independent adjuster can carry files across a wide territory. Each one needs an inspection scheduled, conditions photographed and records requested.
DFS takes on the field and administrative pieces so the adjuster's time goes to evaluation and decisions.
Support DFS provides
Field help for independent adjusters and carriers: inspection scheduling, documentation, statement logistics and records retrieval.
- Inspection schedulingContacting insureds or claimants to set inspection times for the adjuster.
- Photo and video documentationField documentation of property, vehicles or scenes per the adjuster's checklist.
- Statement logisticsArranging times, locations and recording setup for statements the adjuster or carrier conducts.
- Records retrievalRequesting and collecting records the adjuster identifies, through lawful channels.
- File deliveryOrganized delivery of documentation to the adjuster or carrier contact.
Working with an adjuster
- Adjuster assigns tasksThe adjuster or carrier specifies each field task and any checklist.
- DFS confirms in writingScope, deliverables and fees are confirmed before field work.
- Field work completedAgents schedule, document and gather records as assigned.
- Report to the adjusterMaterials are delivered for the adjuster's review and decision.
What stays with the licensed adjuster
DFS supports adjusting work; it does not perform adjusting.
- No coverage opinions, damage valuations or settlement negotiations.
- No representation to insureds or claimants that DFS is adjusting the claim.
- Statements are conducted by the adjuster or carrier unless they direct otherwise within the law.
DFS is not a licensed adjuster
DFS does not claim an adjuster license. Coverage, valuation and settlement decisions are made by the carrier or a properly licensed adjuster. DFS field staff identify themselves accordingly when contacting insureds or claimants.
Questions about independent adjusting support
Can DFS act as the adjuster of record?
No. DFS does not hold itself out as a licensed adjuster and cannot be the adjuster of record.
Will DFS follow our photo checklist?
Yes. Send the checklist or carrier guidelines with the assignment and agents will document to them.
What do you tell the insured when scheduling?
That DFS is scheduling on behalf of the named adjuster or carrier, and that the adjuster or carrier makes decisions on the claim.
Related services
Next steps and alternatives that often go with this work.
Reviewed October 2026 by Delator Field Services. General information, not legal advice.
Tell DFS what the matter needs
Call, text or email with the task, the county and any deadline. You will get a plain answer on scope and cost before work begins.
Questions first? Call or text (629) 310-8667 or email contact@delatorgroup.com.