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Holcomb Public AdjustingPublic Adjusting
Halls, TN · East Tennessee
The adjuster on your side of the claim.
Damage documented. Policy read. Estimate written — then taken to your insurer.
- Licensed specialist
- We answer to you
- Halls · East Tennessee
- Five stars on Google
We work for youNever for the insurance company
Inspected in personPhotographed, measured, written down
Estimates in writingLine by line, for the actual repair
Negotiated for youWe handle the carrier, you don't
Why a supplement exists
The first estimate is rarely the whole estimate.
Insurers write from their own numbers. Damage nobody wrote down never gets paid.
- We look before we writeInspected in person, roof to floor.
- The policy sets the ceilingWe read your coverage before anything is filed.
- Nothing goes on a guessPhotographs, measurements and notes, all on file.
What we do
Five parts of one claim
Most people call when the estimate does not fit the damage.
Property damage inspection
We record what was actually damaged — not what fits a form.
See inspections
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Also available
Appraisal, umpire and expert witness
For when a claim goes past the usual back and forth.
How it runs
From the first call to the settlement
Five steps. You always know where it stands.
01
The call
Tell us what happened and where it stands.
02
The inspection
We go through the property in person.
03
The policy
Your coverage is read line by line.
04
The estimate
Damage written up line by line for repair.
05
The negotiation
We take the file to the carrier and handle it.
Claims get paid on evidence.
Photographs, measurements, policy language, a written estimate.
The file
What your insurer receives
Not a phone call and a guess. A documented file they have to answer.
- Photographs of every damaged area.
- Measurements taken on site, not guessed.
- Policy language showing what you are covered for.
- A line-by-line estimate for the repair itself.
Recent files
The damage, as it was found
From claims worked across East Tennessee.
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Photographs supplied by Holcomb Public Adjusting.
In print
The flier and the newsletter
What we hand out, and what we send.
Flier information
The two we hand out
Tap either page to open it full size.
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Our newsletter
The Policyholder Advocate
Issue #1, September 2026.
Experience. Advocacy. Results. Your claim, our priority.
Tap the page to open it full size.
Who you are calling
Zachary and Brianne Holcomb.
A husband-and-wife firm, run out of Halls, Tennessee.
- Retired United States MarineFourteen years inside carrier claims after that.
- Catastrophe responseWildfires, hurricanes, tornadoes, floods, mudslides.
- American Family InsuranceWhere the claims career started, on the CAT team.
- Large-loss litigationState, circuit and appellate. Losses to $8 million.
- Recognized nationallyBy the National Insurance Crime Bureau.
- Family runZachary and Brianne, raising their family in Knoxville.
“Your story becomes our passion. Results matter. People matter.”
Licensed and certified
Zachary Holcomb — PA, CPCU, SPPA
President. Licensed in five states. CPCU, SPPA and IIRC.
- TennesseeLicense # 3003505905
- OhioLicense # 1720828
- FloridaLicense # W705181
- KentuckyLicense # 1124395
- North CarolinaLicense # 17856667
FEMA · NFIP Registered Adjuster
FCN 70014149 · Active through 06/30/2027
Authorized: Residential (Dwelling)
BBB Accredited Business
A rating with the Better Business Bureau. Open the profile →
Authorized: Residential (Dwelling)
Publications
Read about the business elsewhere
Each one opens on the publisher's own site.
In their words
What clients say
“You can really tell this company is the real deal, the owner and operator has over a decade of claims experience and that showed through each step of the process when working with Insurance Supplement Solutions. You are in good hands with this company.”
“Exception Service!! Was able to get more things covered that insurance overlooked or just flat out missed. Luckily Zach and his crew was able to spot them & get things fixed correctly! THANK YOU SO MUCH ZACH!!”
“Very professional company. Very spot on and accurate. Attention to detail with these guys are incredible”
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Where we work
Halls, Knoxville and East Tennessee
Based in Halls. We travel across the region.
- Halls
- Powell
- Fountain City
- Knoxville
- Karns
- Farragut
- Corryton
- Luttrell
- Maynardville
- Clinton
- Oak Ridge
- Norris
- Seymour
- Maryville
- Lenoir City
- Jefferson City
Questions
Straight answers
What does a public adjuster actually do?
We work the claim for you instead of the insurance company working it for itself. Inspection, policy review, documentation, a written repair estimate, and the negotiation that follows.
When should I call you?
Before you accept a settlement is the best time. After one that does not cover the repair is still worth a conversation.
My claim was already paid. Is it too late?
Often not. A supplement covers what the first estimate missed, and writing that is exactly what we do.
Do I still have to deal with my insurance company?
You can if you want to. Most people would rather we take the calls and the paperwork from there.
What do you need from me to get started?
Your policy, the claim number if one has been opened, and access to the property so it can be inspected.
Where do you work?
Halls and the Knoxville area, and across East Tennessee for property damage claims.
Start here
Get the damage documented properly.
One call starts it.
Halls, Tennessee · working across East Tennessee
Claim review
Tell us about the damage
Fill this in and we will call you back.
Zachary Holcomb(865) 235-4045
Based in104 Church Street
Knoxville, TN 37918
Knoxville, TN 37918
Best first stepA call — it is quicker than typing
Claim review request
Nothing here is filed anywhere. It comes straight to us.