Many online tools use general categories—medical costs, scarring, lost wages, and pain—to generate a range. That can be a helpful starting point, but it misses the details that matter most in Tennessee claims, such as:
- Whether treatment records match the burn mechanism (hot liquids, steam, electrical sources, chemicals, faulty equipment, or fire exposure)
- Whether functional limits are documented (hand sensitivity, reduced range of motion, difficulty dressing, sleep disruption from pain)
- Whether future care is tied to medical recommendations rather than estimates
Local adjusters may request statements early, and they may focus on inconsistencies between your report of the incident and what the medical documentation shows. A tool can’t evaluate those credibility issues—it only organizes inputs.


