Palm Beach Gardens Commercial Loss Public Adjuster

A city is empty without the enriching businesses that uplift the local community. Commercial businesses can have a lot of weight on their shoulders, and a wide variety of factors could contribute to major losses or even the permanent closure of their business if not fully covered by insurance.

Pinnacle Claim Services is a dedicated adjusting firm that has spent years serving members of the Palm Beach Gardens as they walk through commercial loss claims like yours.

The insurance adjuster assigned to your case works for the insurer and is incentivized to reduce the value of claims payouts to the greatest possible extent. Public adjusters represent you directly and have an incentive to help you get as much as you can out of each and every claim.

A business loss public adjuster can help a claimant save time and energy while simultaneously safeguarding their financial future. You pay for your insurance benefits, so you should be able to use them — but your insurer may not make the process so easy. 
If you have suffered a loss, we can help you get your commercial operation back on its feet. To meet with a Palm Beach Gardens commercial claims adjuster, call 954-466-2954 or contact us online 

Palm Beach Gardens Commercial Loss Public Adjuster Services We Offer

A Pinnacle Claim Services adjuster acts as a valuable resource for Palm Beach Gardens business owners when filing a claim. Acting on your behalf, they can manage critical tasks such as:

• Independent damage inspection: When you file an initial notice of loss for your business, the hired insurance representative will either send out a contractor to inspect the extent of physical damage or will appoint other professionals to review your loss event. Your Pinnacle public adjuster will send an independent professional to give you a valuable second opinion on the matter.   
• Claim and policy review: The only way to be sure of what benefits you have available for a commercial loss claim is to sift through the (often dense) policy documents. A public adjuster for Pinnacle will deep-dive into the contents of your insurance policy and compare benefits promised to what is being offered. This process allows us to form a more comprehensive estimate of your claim’s true value.  
• Settlement negotiations: Negotiating a final settlement for a commercial loss claim can be more complex than estimating the value of the damage. Many factors can contribute to commercial loss. Your public adjuster can protect you from undervaluation or missing benefits during the brokering of a final settlement amount. An adjuster can bring to a policyholder’s attention if a settlement offer undervalues the loss inflicted upon their business and can offer advice about best options to take.

Avoid These Mistakes When Filing a Commercial Loss Insurance Claim 

Every year, insurers deny about 1 in 5 claims. In many cases, a claim can be denied because the claimant made a simple but fateful mistake during the process of filing. 

Even if a policyholder has a wide range of coverage for their business, there are small yet critical mistakes that can heavily affect the outcome of their claim.   

When you are approaching a commercial loss claim, remember to never: 

• Delay reporting the loss: It may be tempting to put reporting damage or loss to your insurer on the back burner until it becomes unignorable, but this can actually harm your claim. If you delay reporting the loss, you provide the insurer with valid proof that you have neglected the care of your property or your business operations. This can lead to a claim rejection.  
• Attempt to fix the problem yourself: Even if you feel comfortable with the tools and equipment required to fix any property damage, it may be best to leave the restoration to a hired team of professionals, ones who are liable if they cause further damage. If a property owner adds any damage, they may be forced to pay out of pocket for the expense. 
• Blindly trust the insurance representative: The adjuster who works for the insurance company is not obligated to provide you with helpful advice or even ensure that you are receiving all of the benefits in your policy. Many claimants will take what their insurer says at face value, but they could be ignoring options or giving up on fighting for benefits they may actually be able to use. 

What Are Typical Causes of Commercial Business Loss?

Thousands of new businesses are opened across Florida every year. Even though many of these businesses open with the same zeal, commercial business loss is an unfortunate reality for many. 

According to chamberofcommerce.org, approximately 50% of all new businesses fail within the first five years. Damage or major losses can heavily contribute to the financial insolvency of a local business, possibly forcing a permanent closure. 

​​There are endless risks to the financial stability of a commercial business, but the most common factors that lead to an expensive halt in operations include:

• Weather damage
• Fire
• Business Interruption
• Theft

What Is a Public Adjuster, and Why Do Commercial Loss Claimants Hire Them?

A public adjuster is a trained and certified insurance professional who works solely for the policyholder who hires them. They are not contracted employees who work for an insurance company but instead work independently.

Public adjusters can check and oversee the findings that an insurance adjuster is presenting to the claimant. 

Public adjusters exist because private insurance companies may not be quite as thorough with settling claims as they are with collecting premiums. If a claimant walks away from a commercial loss claim with out-of-pocket expenses, the insurance representative holds no responsibility for that mistake.

Unfortunately, a claimant is the only person responsible for ultimately ensuring that a settlement includes every benefit that their policy covers.

When you hire a Palm Beach Gardens Public Adjuster, they can take the weight of managing the settlement process off of your shoulders. Your adjuster will oversee each step, ensuring that your best interests are being accounted for as the claim progresses.  

We closely review your policy and investigate the sources of your loss. Through our knowledge of the insurance process, we can help you ensure that every loss is well-documented and accounted for within your claim.

Our experienced professionals also know how to review your policy closely in order to determine all applicable benefits that may be available.

During the course of claims processing, we can help ensure that everything stays on-track. When insurers allege that certain coverage isn’t offered, we double-check their math and legal conclusions.

Finally, we can help you advocate for a higher settlement amount when insurers offer unreasonably low payouts for your claim.

Pinnacle Claim Services Proudly Serves Many Florida Businesses

Pinnacle has served countless commercial loss claimants in various fields, including:

• Apartment complexes
• Banks
• Campus housing, dorms, and administration buildings
• Churches, synagogues, temples
• Condominium associations
• Correctional facilities
• Defense contractors
• Educational institutions
• Hospitals and doctors’ offices
• Hotels and motels
• Industrial parks
• Multi-family properties
• Office buildings and office parks
• Production plants/manufacturing
• Recycling plants and scrap facilities
• Retirement communities
• Shopping and retail
• State and municipal entities
• Warehouses and distribution facilities

Commercial Insurance Claims Can Be Worth Millions

A responsible business owner understands that comprehensive insurance is a necessity for conducting operations with confidence. In an instance where an unforeseen event interrupts business, causes property damage, or creates other commercial losses for the facility, commercial insurance can offset the expenses. 

While policyholders turn to their insurer for support in unnerving times, the company will not be seeing things from the same perspective. They are trying to avoid their own losses, which means minimizing the benefits provided for the claim, to the extent possible.

By the same token, commercial insurance claims can be expensive to settle, considering the additional expenses of operating a business. One commercial loss claim can cost an insurance company millions of dollars, incentivizing tactics like claim undervaluation, in order to protect their own financial health.  

All of these factors mean that you can expect a fight when it comes to retrieving all the insurance benefits you expect. Having Pinnacle Claims Services in your corner means you gain the knowledge and industry experience of someone who works specifically for your interests, giving you the tools you need to truly understand what you should be owed.

A Palm Beach Gardens Business Loss Public Adjuster  Saves You Time and Energy — While Helping You Recover More!

A property damage claim is not an experience that most property owners will endure more than a handful of times. A public adjuster has handled hundreds, often thousands, throughout their career.

These licensed professionals help you better understand the complexities of the commercial loss claim process while taking many of the tedious and time-consuming tasks completely off of your hands.

As a business owner, you understand being faced with choices to protect your commercial property, and in the event of damage or other losses, you’ll be faced with many more. A public adjuster is a professional with extensive experience in the field, and that knowledge can be valuable when you are faced with straining decisions or bumps in the road. 
Claim representation is a phone call away. Pinnacle Claim Services has live claim experts available 24/7 who can help you schedule an initial consultation with a Palm Beach Gardens public adjuster near you. To make an appointment with an adjuster from Pinnacle, call 954-466-2954 or contact us online today.