Deerfield Beach Public Adjusters

Deerfield Beach Is No Stranger to Disaster

Located at the northern border of Broward County, Deerfield Beach is a lively coastal community named after the numerous deer that used to roam the area. Like its neighbors to the south and Palm Beach County cities to the north, Deerfield Beach is a gorgeous, scenic destination loved by visitors and locals.

Family fun awaits those who visit Splash Adventure Water Park or Quiet Waters Park. The latter boasts one of the only cable-driven water-skiing systems globally and hosts an annual Renaissance Festival. Of course, there’s also Deerfield Island Park. Hidden in plain sight, the park offers gorgeous nature trails and tons of activities — but only once you reach it by boat. In addition, Deerfield Beach is home to beautiful beaches that have won awards for their excellent water quality.

Deerfield Beach at Risk of Hurricanes, Tropical Storms, Floods

Compared to many Florida locales, Deerfield Beach has been rather blessed when it comes to hurricane impacts. The last actual hurricane to reach city limits was Hurricane Irma in 2017. Hurricane Wilma and Katrina preceded it, hitting Deerfield’s shores nearly 20 years ago.

Despite this apparent lucky streak, Deerfield Beach has not remained untouched over the past decades. Tropical storms like Ana have caused significant damage in the area, and the city gets affected by larger hurricane systems nearly once every two years. Deerfield Beach also regularly gets hit by flooding. Studies indicate an increased risk of severe floods in the next 30 years.

If your property has been damaged, a public adjuster in Deerfield Beach will come to your aid. Pinnacle Claims Services has helped Deerfield Beach property owners like you make the most of their insurance policy while avoiding common pitfalls that could cost you serious money on your claim.

How to Avoid Leaving Benefits on the Table After Property Damage in Deerfield Beach

Homeowners can be surprised with unexpected costs when filing a property insurance claim, but an experienced public adjuster will help avoid some common scenarios.

1. Fully identify and document damages

First, the homeowner may not know how to fully and accurately document the entire scope of the damage they have received. They can overlook aspects like structural damage, water damage, or hidden wind damage. The assessor they work with might also miss critical areas that tend to cost a bundle, including electrical systems and HVAC.

2. Get a realistic repair estimate tailored to your community

Second, you may receive an unreasonably low repair estimate. The costs of labor and materials are rising in the U.S., and communities hit by a disaster tend to be an even tighter market. Some repair estimates come in thousands of dollars under the final price paid, and insurers frequently balk at covering the increases once they’ve already made an offer for benefits.

3. Hire someone who can help you independently review your homeowner’s insurance policy

Third, homeowners are often misled by insurers and the “independent” adjusters they hire. Their staff knows how to read your insurance policy with an interpretation that favors them. By working with Deerfield Beach public adjusters, you will get help from people experienced in reading insurance policies and making sure you receive the total amount of all benefits owed.

Pinnacle Claims Service, Inc. can provide you with someone to assist you with damage inspections, repair estimates, and uncover the benefits available to you. Reach out now for help and assistance from people who are not hired to protect insurance companies.

Homeowner’s Insurance Should Provide Broad Coverage for Repairs

Every homeowner’s insurance policy is different, and every situation in which a policyholder wants to file a claim is unique. Nevertheless, there are a few coverage areas most homeowners’ insurance policies offer. These benefits represent the most common and most likely disasters that can impact your property. 

Commonly covered events include:

• Water damage
• Roof damage
• Mold damage
• Fire and smoke damage
• Wind damage
• Lightning damage
• Explosions
• Fallen trees or debris
• Collision with an aircraft, car, or other types of vehicles
• Arson, theft, vandalism, or other crimes

Coverage may also be available for flooding, sinkholes, sewer backups, and other “named perils.” Review your insurance policy with an expert from Pinnacle Claim Services, Inc. to understand what events should be covered and what coverage should be available.

Are You Getting Your Money’s Worth From Your Insurer?

Another area where Deerfield Beach homeowners tend to get underpaid is the types of benefits they seek from their insurance provider. 

Most insurance policies should provide coverage for:

• Repairs of interior and exterior damage
• Replacement of lost possessions or personal property
• Hotel or home rental during repairs

Some policies can cover additional costs. For example, you may have coverage available for bringing your home up to current building codes if a disaster has revealed that your home is technically no longer up to spec.

Work with a public adjuster in Deerfield Beach to fully understand what benefits should be available, and seek out the maximum amount of coverage you should be provided under your policy. After all, you pay your premiums, so the insurance company should pay you during your time of need!