Florida businesses build up their surrounding communities, offering valuable experiences, services, and goods. However, when disaster strikes, damages to a building or operations could keep a business temporarily closed — or put it permanently out of business.
This commercial loss can ruin the struggling property owner unless they are able to settle for the value of their losses through their insurer.
The dedicated team of public adjusters at Pinnacle Claim Services have spent years serving members of the Florida business community. We’ve been there in the wake of hurricanes, fires, and other disasters, with trusted associates standing by to help you begin the process of recovering from a commercial loss.
A business loss public adjuster is a knowledgeable and experienced professional who works specifically for policyholders like you. We put all efforts into finalizing a settlement that covers as much of your losses as possible.
Your Pinnacle Claim Services adjuster will be your advocate through the process of damage recovery, overseeing how each step unfolds. An initial consultation with one of our adjusters is completely free, and we promise our clients that we won’t take a penny unless they see a settlement, too.
To meet with a Deerfield commercial claims adjuster for a free damages inspection, policy review, or claims review, call 877-70-CLAIM or contact us online today!
As a responsible business owner, you’ll likely turn to your insurance policy for aid in precarious times, but how can you be sure that you’re using all the benefits available? A commercial loss public adjuster can help you stay on top of important details of settling a claim, like reviewing your policy and key aspects of your claim in order to verify that all possible benefits are being sought.
When filing an insurance claim, many policyholders are under the false impression that their insurer-appointed representative works for them. In actuality, these professionals are tasked with furthering the objectives of the large insurance corporation.
That is, their priority is saving the insurer money by reducing or denying claim benefits to the extent legally possible. While it may seem like they have your best interests at heart, you may find out after the fact that your claim was undervalued and your insurer saved a few bucks on your settlement.
Unlike a so-called independent adjuster, a public adjuster from Pinnacle Claim Services works directly for the policyholder, serving their interests to maximize the value of their claim. Your public adjuster will use a thorough approach to evaluate damages, understand your policy in full, and negotiate for a reasonable settlement for the damages you have suffered.
Our process always follows the steps below to ensure each client we represent has the best chance at getting the money they need to help their business recover.
As the first step of the process, your public adjuster conducts an initial interview and has you complete a questionnaire covering the specific details of your case. You’ll talk with a live claim expert who can record your information and subsequently set up an appointment for you to meet with the adjuster for further discussion.
When you meet with your Pinnacle public adjuster, this can be a great time to review any questions or concerns you have about the claim process.
Once you have reported the damaging events causing the commercial loss, your insurance representative will send a contractor out to inspect the property. They’ll note any visible damages, and this information will be recorded in your claim file.
Even though this contractor is capable of managing the task, they may miss key aspects of damage or include inaccuracies in their reporting, such as whether the damage was caused by a storm surge or wind. To protect you, your public adjuster will send out an independent inspector, adding a second unbiased opinion and helping ensure that your damage is reported as accurately as possible.
Many policyholders believe that they will always receive the full extent of their benefits when filing an insurance claim. It sounds reasonable, but this rarely happens.
The insurer-appointed representative is not responsible for ensuring that you maximize your benefits. In fact, they are tasked with guaranteeing that you only receive benefits that your policy and industry laws require.
This key distinction absolves the insurance company from the responsibility of protecting the claimant to the full extent possible.
Put another way: insurers can completely leave out benefits for certain coverage areas, often because of a flawed interpretation of policy language. To better understand what benefits your policy allows, your adjuster will deep-dive into the contents of your actual policy documents, searching for hidden clauses and fine details that could impact the outcome of your recovery settlement.
It can be exhaustive to study pages of insurance legalese and often difficult to parse. A public adjuster can save a claimant precious time and energy by efficiently reviewing and highlighting important information from an insurance policy.
They can then compare it to the existing claim to ensure that all applicable coverage is being sought and that it is offered by the insurance company.
Negotiating for an insurance settlement can feel overwhelming, especially if you get anxious about possible disagreement or confrontation.
In this situation, your public adjuster has your back! They know how to argue effectively for an appropriate number based on the findings of their damages inspection and policy review.
The work put into the earlier stages of the case can literally pay off here, as your public adjuster will aggressively present all available arguments and evidence for the benefits to which they feel you are entitled.
Running a business is a labor of love. It requires passion, dedication, and, occasionally, a bit of luck. In recent years, companies — especially small businesses — have been feeling a shift in the economy that has forced a reorganization of operation strategy.
A study of small business owners on the effects of the COVID-19 pandemic found that almost half of them expressed concern about the ability to continue operating.
Small businesses are an integral part of Florida’s economic success, accounting for 60% of new job growth since 2012. Therefore, commercial losses affect both the state’s economy and many aspects of the community.
Business loss claims are also, unfortunately common, with almost 600,000 businesses closing annually in the U.S. because of reasons that include uncovered damages.
The commercial claims public adjusters at Pinnacle Claim Services serve a variety of commercial industries throughout the state, including:
A commercial loss claims adjuster from Pinnacle Claim Services can guide a policyholder through their financial recovery by helping them prevent making the following mistakes:
A commercial loss can be a gradual event or happen instantly from a disaster, but some of the most common causes for business loss in Florida come from the same few categories.
Some of the most frequent damaging events and factors that cause commercial loss claims include:
Most policyholders will hopefully only need to file a handful of claims in their lives. This limited experience with the process can leave a claimant vulnerable to being undervalued and agreeing to a lowball offer.
A commercial loss public adjuster can be your right-hand advocate during your financial recovery journey, offering claim management and guidance where applicable. Public adjusters are the only type of adjuster in the state of Florida certified to aid claimants directly as they walk through the steps of a commercial claim.
A business loss insurance claim can be an overwhelming and trying experience, especially when you have little to no resources to help you maximize your benefits. Working with a public adjuster will offer a claimant an open line of communication with a professional in the field whose main goal is to further the policyholder’s best interests.
Schedule an initial consultation with an adjuster from Pinnacle Claim Services today for a free inspection, policy review, and damages review. Our live claim experts are available 24/7 when you call 877-70-CLAIM or contact us online today!
Living in South Florida, we are no strangers to natural disasters.
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When disaster strikes, it can be difficult knowing where to turn or who to ask for help. Pinnacle Claim Services’ professional team of Florida public insurance adjusters and support experts are here to assist you throughout every step of your damage claim from emergency services and mitigation through final settlement.
Some of the most common issues people experience with insurance companies after property damage has occurred and a claim has been initiated include: unreasonable delay on the part of the insurance company, inadequate training of the insurance company’s adjusters and adjusters that are “so busy” that your claim gets zero attention and does not progress towards resolution. Additionally, you may not have the appropriate policy with the right type of coverage or limits.
There is no set time period for settling a property damage claim with an insurance company and each claim is different. You could receive a check in a few days or it could be a few weeks. Also, it may take multiple rounds of negotiations and payments for you to be adequately and justly compensated for your claim.
Absolutely not. Some companies do possess better reputations than others and there are some who consistently delay the process unnecessarily. It’s important that you comply with your “duties after the loss” (duty to mitigate etc.) Call us, we can help!
Pinnacle Claim Services will request a copy of your policy, file the proper paperwork for you, put together a comprehensive estimate of damages and negotiate a fair settlement Do not become emotionally burdened. Do not be denied money for repairs you deserve. Rely on Pinnacle Claim Services to work on your behalf, keeping you informed throughout every step of the process to get every penny you deserve from the insurance companies.
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THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.
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