Written by someone who used to decide them.
Insurance Supplement Solutions is an estimating and supplement service in Knoxville, Tennessee, working for contractors who already have a claim open. We are not public adjusters and we do not represent anyone.
Zachary Holcomb, PA, CPCU, SPPA.
Your supplement is written by someone who spent over a decade deciding claims from the other side of the table.
Zachary began his insurance career after serving in the United States Marine Corps. He built his claims background on a catastrophe response team for American Family Insurance, travelling the country for wildfires, hurricanes, tornadoes, floods and mudslides, then worked complex large loss litigation on cases settled at state, circuit and appellate level.
He founded Insurance Supplement Solutions and Holcomb Public Adjusting in 2022, after seeing the same gap from both sides: contractors unsure how the supplement process works, and homeowners missing steps that cost them time and money.
The same person stays with your file from the first photo to the final revision, so you are not re-explaining the job to somebody new every week. Your reputation with your own customer is the thing we are protecting, so nothing goes on an estimate that cannot be shown.
Your story becomes our passion. Results matter. People matter.Zachary Holcomb, President
- PA, CPCU, SPPA, IIRCChartered Property Casualty Underwriter and Senior Professional Public Adjuster. Zachary holds these through Holcomb Public Adjusting, a separate company. Insurance Supplement Solutions does not do public adjusting work.
- Adjuster licences held in five statesTennessee 3003505905 · Ohio 1720828 · Florida W705181 · Kentucky 1124395
- FEMA / NFIPFlood control number 70014149
- United States Marine CorpsServed before starting in insurance
We are not public adjusters.
Not every claim needs one. Most of the contractors we work with have a claim already open and a carrier estimate that is short a few thousand dollars. They do not want representation. They want the supplement written properly, with the proof attached. That is the whole job.
We do not
- Acting as your public adjuster, or your customer’s
- Representing anyone, or advocating on anyone’s behalf
- Negotiating or settling a claim for a policyholder
- Taking a percentage of somebody’s settlement
We do
- Writing the scope and the supplement on a claim that is already open
- Citing the code sections, manufacturer specs and permits that back each line
- Matching your site photos to the items they prove
- Revising the estimate as the file moves, until nothing is outstanding
If a claim genuinely needs a licensed public adjuster, we will tell you plainly and point you at one. That is a separate, regulated service and it is not what this company sells.
The first estimate is rarely the last one.
- 25%+
Our average supplement return. Across the files we write, the approved amount comes back 25 percent or more above the carrier's first estimate.
- 10yrs
On the carrier side first. Zachary spent over a decade in claims, including a catastrophe response team and complex large loss litigation, before founding the firm in 2022.
- 5states
Licensed and certified. PA, CPCU and SPPA, licensed in five states, residential and commercial.
That 25 percent is our own average across completed files, not a promise about yours. Every claim turns on its own policy, damage and documentation.
This is what proof looks like.
Photographs from claims we have handled. Readings, annotations and measurements taken on site, because an adjuster approves what is documented, not what is described.
Real files from work we have completed. Addresses, documents, faces and customer details are kept out of every frame.
Send one claim and see the difference.
Call Zach directly, or send the carrier's estimate and your photos and we will tell you what we see.