A part of the Miami metropolitan area, Boynton Beach is a lovely city perfect for many outdoor activities. However, the location of Boynton Beach puts it at a significant risk of major flooding. Heavy rains are more likely to cause flooding, but hurricanes are also a possible risk factor. Fortunately, most Floridians know that flood insurance must be purchased separately from a homeowner’s policy and have taken this step to protect their property. Still, the claims process is not without challenges. If your insurance company has rejected your property damage claim or offered you a much smaller settlement than expected, you may benefit from hiring a public adjuster.
A public adjuster will survey the damage to your property and complete an insurance claim detailing the compensation you need, then submit it to the insurance carrier. This is similar to what an insurance company adjuster does, but with one crucial difference – the insurance adjuster works for the insurance company, and the public adjuster works for you. As a result, the insurance adjuster will try to minimize costs for their employer. They may not investigate your property damage as thoroughly as possible, or they might recommend a repair when a total replacement is the best option. For example, the insurance company might offer to pay for new roof tiles when the damage is extensive enough to require a whole new roof.
In contrast, your public adjuster doesn’t have to worry about cutting corners to save the insurance company money. Their job is to accurately estimate your damages and make a claim for the total cost of fixing them, including replacing components of your home or commercial property if necessary. The public adjuster will draft a complete claim and forward it to your insurance company, but the support doesn’t stop there. A public adjuster can also shoulder the burden of discussing your claim with the insurance company representatives, answering their questions, and negotiating with them to achieve the ideal settlement for your situation.
People connect with public adjusters in a variety of ways. Some search for one online, while others ask friends or family for a recommendation. If you live in an area that has recently seen significant flooding or another widespread property damage event (such as a hurricane), you might be visited by one or more public adjusters offering their services. There is no right or wrong way to search for a public adjuster, but it is imperative that you check the adjuster’s background and credentials before making a final decision.
Here are some tips for finding a good public adjuster:
We understand that the cost of living has risen in recent years, and many people are concerned about costs. However, this should not be your primary concern when choosing a public adjuster for two reasons:
Public adjusters charge a fee for the amount recovered from the insurance company. That means you don’t have to pay them anything when you hire them but will give them a small percentage of what you receive. The good news is that policyholders who use a public adjuster tend to have higher settlements, on average, than those who don’t, and in many cases, this will offset the fees.
A more experienced and astute adjuster may charge a little more, but often this knowledge base can help you achieve a larger settlement. If the difference is a few percentage points, but one adjuster has far more experience, you may be better off choosing the more accomplished adjuster.
In some states, public adjusters can charge as much as 30 percent, but Florida limits fees to 20 percent in most circumstances. If a natural disaster occurs (like a hurricane) and the governor has declared a state of emergency, fees on claims related to that disaster are limited to 10 percent for one year after the disaster declaration.
It is possible to negotiate with some public adjusters for lower fees, but again, you should remember that the most experienced adjusters may not go below a specific rate.
It depends on the situation, and it’s important to understand that several factors determine how long your claims process takes. In general, the more damage you have, the more time it will take the insurance company to review your claim and the associated evidence of damage.
When you have the help of a public adjuster, they are usually very thorough and include as much evidence and detail in their claim as possible. They also tend to have higher estimates than an insurance company adjuster. These factors frequently cause the claims process to take longer, but the upside is that you’re more likely to receive a larger settlement. For many policyholders, receiving a more equitable settlement is worth waiting a little longer for payment.
A public adjuster is beneficial for most insurance claims, but in some circumstances, it may not be necessary. If your damage is minor and relatively simple to explain and document, you may not need one. However, you should always consider seeking help from a public adjuster in these situations:
No. Regardless of what the insurance company calls their adjuster, this person still works for the insurance company and represents their interests. Securing your own public adjuster ensures that you have someone representing your interests.
At Pinnacle Claim Services, we strive to support you with your property damage claim. We hire only the most experienced and seasoned adjusters to provide the best possible service. Our adjusters have achieved settlements of tens of thousands of dollars for some of our clients – even in situations where the client already received a smaller payment or had their claim rejected. Additionally, our adjusters have the expertise to understand your insurance contract and answer your questions about what is and isn’t covered. We invite you to check out our references and reviews and take a look at our A+ rating from the Better Business Bureau.
If you’re unsure if you need a Palm Beach County public adjuster or simply want a second opinion after receiving a payment that seems too low, please call us for a free quote today. Our friendly staff is always happy to answer questions and schedule you for a consultation.
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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