Damage to your home or commercial property can disrupt your life, and getting it repaired as soon as possible is essential. Unfortunately, some policyholders find that their insurance company doesn’t respond as promptly as needed, or they may receive less money than expected. It can also be difficult to know if you’ve received a reasonable amount from the insurance company if you are not an expert in repairing this type of damage. For all of these reasons, you may be wondering if hiring a public adjuster would be helpful.
A Boca Raton public adjuster will visit your property to survey the damage and create an itemized estimate of what must be done to repair it. But you might think, “Isn’t that what my insurance company does?”
Indeed, your insurance company will also send out an adjuster to estimate your damage, and then they will use that estimate to decide how much to pay for your claim. But there is a big difference between the insurance company’s adjuster and a public adjuster: The insurance company’s adjuster works for the insurance company, not you. Their job is to minimize costs for the insurance company, not you. This can lead to some difficulties for many property owners:
Conversely, a Boca Raton public adjuster works for you, not the insurance company. They will examine the damage carefully and develop a realistic estimate of what needs to be done and how much it will cost. This will be submitted to your insurance company for approval, with documentation such as photos and the public adjuster’s report. Through their experience and knowledge, the public adjuster should include enough evidence to improve the chances of your claim getting approved.
Your public adjuster will also discuss the claim with the insurance company and negotiate with them as needed. That means you can go back to having lunch during your lunch break instead of sitting on hold with the insurance company or trying to submit photos and other evidence on your own.
At Pinnacle Claim Services, we can help with a wide variety of home or commercial property damages, including these everyday situations:
There are several essential qualities you should look for in a public adjuster:
No. We don’t recommend doing that. We do understand how frustrating it is when the insurance company offers you less than you believe your claim is worth or denies it out of hand. But when policyholders negotiate with the insurance company, they are often at a disadvantage – the insurance adjuster is extremely knowledgeable about the type of damage and all the loopholes that allow the insurance company to pay as little as possible (or nothing). They also make a habit of recording conversations with policyholders (you will be informed of this, often with an explanation about “quality control”) and then misconstruing what the policyholder says.
Fortunately, your Pinnacle Claim Services public adjuster is experienced in dealing with insurance companies and is well-versed in many types of property damage. We can negotiate with the insurance company to get you the best possible settlement for your damage.
Not necessarily, but you should perform due diligence before signing a contract with a door-to-door solicitor. This practice is common following disasters such as hurricanes and major storms. Here are some tips to keep in mind:
Our Palm Beach County public adjusters are all licensed, insured, and experienced enough to evaluate a variety of property insurance claims and negotiate the largest settlement possible. We have the knowledge to get you the settlement you need, and our staff is always available to provide a free quote. Please contact us today to learn how we can help with your claim.
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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