Deerfield Commercial Claims Public Adjuster

Just like with a private home, a business owner will need to obtain commercial property insurance to protect their assets. 

Property damage and losses connected to a commercial operation will involve many variables and moving parts. Dealing with the aftermath of an adverse event will be stressful for the building and business owners.

When filing a commercial claim, having professional assistance can ensure that they are able to make the process easier while seeking the highest amount of benefits possible.

Pinnacle Claim Services is an experienced and locally trusted firm. Our public adjusters are standing by to help protect your business or commercial property through the journey of settlement recovery.
To meet with a local Deerfield public adjuster about your case and receive a free claims review and policy review, call 877-70-CLAIM or contact us online.

When Should I Look for Deerfield Commercial Claims Public Adjuster Services?

A commercial insurance claim can be more intricate than a traditional residence claim. There may be more variables involved, and commercial property damage is generally more expensive because of factors like loss of operations. 

Even though an insurance company may seem friendly when you are buying insurance, you likely won’t have the same level of experience as them. They may use common tactics to avoid paying out the full amount of benefits promised by your policy.

Commercial claim public adjuster services are available to property owners who want to ensure they maximize their policy’s benefits after their business endured a form of loss.  

During the damage recovery process, your public adjuster will have your back. They can review the important factors that impact settlement recovery on your behalf, including the damages to your property, the evidence of cause, the benefits available under your policy, and the insurer’s own bylaws.

Having a public adjuster at your side while you settle a commercial insurance claim in Florida can be a concerted way to protect the future of your enterprise. Having an experienced professional in the industry on your team is always a smart move, but when it comes to the future of your business, the stakes are especially high. 

A public adjuster provides valuable resources, like their own experience and their ability to fully understand the coverage promised by your policy. We are also familiar with insurers’ settlement processes, so we know how to keep your claim moving while avoiding common setbacks.

What Will Pinnacle Claim Services Do to Protect My Commercial Insurance Case?

Hurricane Ian caused more than $109 billion worth of damages to Florida properties, including many commercial businesses. 

When facing expenses related to a tragic accident, weather incident, or other cause of property destruction, a commercial property owner may not know how to get their business up and running efficiently again. 

For many business owners, it may be more comfortable to sit on the sidelines and let the insurer finalize every aspect of your settlement, but you could walk away without utilizing the benefits that you currently pay for. 

A Pinnacle Claim Services public adjuster will follow a thorough 3-step process to ensure that policyholders see the full extent of their policy’s benefits when overseeing a commercial claim:

• Damage Inspection: Promptly after an initial consultation with your Deerfield public adjuster, Pinnacle Claims Services will send out an independent contractor to inspect all damage to the property. While your insurer will also send a contractor to complete this task, it is essential that a second pair of unbiased eyes are on the scene to record their findings, as well.
• Policy Review: Once the damage to the property has been properly recorded, the adjuster will review the policy that you pay for in search of hidden benefits and protections. The insurance representative is not responsible for ensuring that you are receiving the maximum benefits permitted in your policy, but your public adjuster is. 

Claim Review: To properly estimate the value of your claim, the adjuster will compare the damage to the contents of the policy and go over the settlement figure presented by the insurance company.

What Commercial Insurance Claims Services Do We Offer?

Some policyholders may not know that their policy’s protections change depending on what kind of event the property or business endured. 

The only way to truly know how well your business is protected is to go searching through the pages of your policy. It can be confusing to keep up with the complicated legal language of your commercial insurance policy, but a public adjuster can break down the important details and highlight what matters most to you.  

Pinnacle Claim Service can aid a commercial property insurance policyholder through the process of settling their damage claim regarding the following types of accidents: 

• Business interruption
• Equipment damage
• Fire and smoke damage
• Floods
• Foundation leaks
• Hail
• Hurricanes
• Loss of use
• Other weather damages or natural disasters
• Tornadoes
• Tropical storms
• Vandalism and theft
• Water damage from leaks, burst pipes, and mold

Commercial Insurance Claims May Involve Million Dollar Settlements 

Hartford reports that within the next ten years, more than 40% of small businesses will experience the need for a property damage insurance claim. 

Furthermore, some causes of property damage are more common than others. It is recorded that roughly 20% of all commercial insurance claims are filed due to theft and robbery.

Water damage and wind damage are in close second place, claiming 15% of damage settlements, respectively. 

With concerns like these, commercial insurance claims are destined to involve high costs and a challenging recovery process. 

There are more variables and underlying factors that play into the final settlement of a commercial claim than there are for a residential property claim. On top of the traditional details that are acknowledged during an insurance claim, a commercial property owner must take specific factors — such as the loss of operation time and potential growth the business would have achieved — into consideration.    

What Are Some Common Mistakes Claimants Make?

During the course of a commercial insurance claim, a claimant should avoid making these common mistakes:

• Delay in reporting the damage: Finding out about property damage is stressful, and it can be hard to juggle all of the tasks that need your attention as the property owner. One of the first steps that the owner should take is to report the damage to their insurer.
• Discarding damaged property: It may be tempting to lightly tidy up some of the damage on the property for appearances, but discarding these building materials or lost inventory can be detrimental to a claim. It is important that the insurance representative and your public adjuster have a chance to send out an independent contractor to see the true extent of the damage. 
• Making DIY repairs: Do not repair any of the damages on your own, as they could worsen the existing damage, and your insurer will likely reject paying for the additional damage.  

Pinnacle Claim Services Proudly Serves Florida Businesses and Essential Services

Having commercial insurance is essential to protect the future of the enterprise after an accident strikes, but fully understanding what you pay for as a business owner isn’t as straightforward of a task. 

An insurance policy can be a long document to read, and it will take even more focus and determination to unpack all of the insurance jargon. Many commercial property owners may not fully understand the extent to which their property is protected. 

A Deerfield public adjuster can help a business owner sort through what protections and benefits their policy allows and will advocate for the policyholder’s use of these assets.

Pinnacle Claim Services is proud to represent commercial industries throughout the state, 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

Get Deerfield Commercial Insurance Claims Services to Help Maximize Your Claim

When a commercial property faces damage and must be temporarily closed down, the community loses a proud business — and, often, essential services. 

For a business owner, the main goal is to have their facility operating smoothly again, but the commercial insurer that is responsible for the payout may have alternative goals. 

A public adjuster will be your guide and advocate through the process of settling a commercial property damage claim. By independently reviewing the details of the damage and overseeing the finalization of the insurance settlement, they help ensure you’re going after all the benefits you can. 

Insurance representatives can miscalculate or undervalue the worth of a claim, but a public adjuster will check their work in the interest of the policyholder.   

Pinnacle Claim Services has been aiding commercial property owners through the stressful steps of recovering a business after property damage. We have experienced adjusters standing by to help you.
Schedule an initial consultation with an experienced Deerfield public adjuster, and get your free damages inspection, policy review, and commercial claims review when you call 877-70-CLAIM or contact us online.