The Authority BehindYour Claim
Not all public adjusters are created equal. Tristar brings a combination of legislative expertise, carrier relationships, and insider knowledge that no other firm in Tennessee can match.
What Sets Tristar Apart
Phil Breeden Helped Write the Law
Our founder didn't just learn the rules — he helped create them. Phil Breeden was instrumental in drafting the Tennessee public adjuster licensing legislation, giving Tristar an unparalleled understanding of the regulatory framework that governs every claim we handle. When your adjuster helped write the law, you know your claim is in the most knowledgeable hands possible.
30+ Years of Carrier Relationships
Since 1989, Tristar has built professional relationships with every major insurance carrier operating in Tennessee. These relationships — built on mutual respect and a track record of thorough, well-documented claims — allow us to negotiate effectively without unnecessary adversarial posturing. Carriers know that when Tristar presents a claim, the documentation is solid.
Ron Osteen: 20 Years on the Carrier Side
Our Head of Sales, Ron Osteen, spent two decades as an insurance adjuster working for carriers. He knows exactly how insurance companies evaluate claims, where they look to minimize payouts, and what documentation they need to approve a fair settlement. That insider knowledge now works exclusively for our clients.
Minimum $250K — Because Focus Means Results
We don't take every claim that comes through the door. By focusing on claims of $250,000 and above, we ensure that every client receives our full attention and resources. Complex commercial and high-value residential losses require dedicated expertise, and our team has the bandwidth to give your claim the thorough treatment it deserves.
Tennessee, Kentucky& Mississippi Coverage
Tristar is licensed and operates throughout the state of Tennessee, from Memphis to Knoxville and everywhere in between. We also serve property owners in Kentucky and Mississippi. Our team is based in Franklin, just south of Nashville, and we travel to your property wherever it's located.
Whether your commercial property is in downtown Nashville, a manufacturing facility in Chattanooga, a warehouse in Louisville, or a residential estate in the Smoky Mountain foothills, Tristar has the reach and the resources to represent your claim.