Deerfield Beach Public Adjuster Services

Property damage can happen suddenly and leave your home, office, or rental property unfit for use. When you need help getting your property damage repaired, you probably expect your insurance policy to provide the coverage you pay for—but that’s not always what happens.

Many policyholders are surprised to find the insurance adjuster’s estimate is lower than their repair quotes. Others learn that the insurance company is only willing to pay for a less expensive repair that won’t last long when a more extensive repair or replacement is necessary or that the insurance adjuster might claim a particular repair isn’t covered by the policy for various reasons.

People often want to know if they have any recourse in this situation, and the answer is yes. You have a right to seek a second opinion from a public insurance claims adjuster.

While the insurance company’s adjuster is focused on serving the company’s interests, a public adjuster works for you and will help you document your damage accurately.

If you’ve received an insurance company offer that seems too low, or you want to ensure you have an accurate evaluation, please contact Pinnacle Claim Services for a free damage inspection and policy review today. A Deerfield Beach claims adjuster will determine the extent of your damage and help you understand what your policy should cover.

What Do Deerfield Beach Insurance Claims Services Include?

Your public adjuster will assist you with the whole claims process, including:

• Damage inspection. Our adjusters are experts who will carefully evaluate each damaged area and determine the best overall solution, whether that means a repair or full replacement. While your insurance company rep might offer to pay for the cheapest solution, we’ll document the necessity of a more substantial repair that won’t require more work down the road. We’ve seen all kinds of damage, from fires to floods, and we know that sometimes the fastest, easiest fix will only cost you time and money in the long run (and your insurance company might also refuse to pay for damage caused by the cheap fix).
• Insurance policy review. Insurance policies cause a lot of headaches. Many of our clients find their policies confusing or express frustration that they thought something was covered when it wasn’t. Insurance policies are designed to be convoluted and hard to read because that makes it easier for the company to deny your claim. However, our adjusters are experts in reading and interpreting insurance policies and can help you understand what should be covered.
• Documenting the damage. Our adjusters will survey your damage and estimate the cost of repairs, but they won’t stop there. They also take pictures and document all the damage, which improves the quality of your eventual insurance claim.
• Helping you file a claim. Your public adjuster will assist you in preparing and reviewing your claim, ensuring that everything is filled out correctly and sufficient documentation is attached.
• Negotiating with the insurance company reps on your behalf. After a disaster, you may be busy putting the pieces of your life back together, or you might find the idea of dealing with the insurance company stressful and exhausting. Maybe you simply aren’t an insurance expert and fear the insurance company will underpay or take advantage of you. Your public adjuster can address all these problems by negotiating with the insurance company reps on your behalf. Our knowledge and experience ensure the insurance carrier won’t be able to undervalue your claim without a fight.

From start to finish, we make the process as simple and stress-free as we can for you, and we’re dedicated to achieving the most fair settlement possible for your claim.

What Kinds of Property Damage Can Your Deerfield Beach Public Adjuster Inspect?

Our adjusters are deeply knowledgeable about a wide variety of property damage situations. Here are some of the most common insurance claim services we help clients with:

• Mold damage. Unfortunately, Florida’s humidity provides an environment in which mold can thrive. Most Floridians are aware of this issue and work hard to keep mold out of their spaces, but even one unknown leak or a significant flooding event can open the door for mold to start growing. Mold damage is also one of the more challenging types of damage to seek insurance coverage for, as the insurance company rep may claim that there isn’t enough evidence to show what caused the mold. They could also say that the mold was caused by homeowner neglect rather than a covered incident, such as flooding or leaking. For this reason, our inspectors will examine the moldy area, determine how far it’s spread, and estimate the repairs necessary to eradicate the mold. Next, we’ll search for and document evidence linking the mold directly to water damage, which is often essential to getting your insurance claim approved.
• Fire damage. A fire can destroy everything you’ve worked so hard for in minutes, and you expect your insurance policy to help you rebuild your life. However, your insurance company may have questions about the cause of the fire or accuse you of being negligent. Or, they might overlook certain types of damage, like those caused by soot or smoke. Your public adjuster will carefully document all the damage and how it occurred, as well as photograph any damaged items like appliances and furniture before you dispose of them. This will help ensure you receive the full benefits of your policy.
• Water damage. Mold isn’t the only potential problem caused by water. Even if you manage to dry your belongings before they become moldy, items like furniture can still suffer permanent damage from the water. Meanwhile, electronics and paint jobs are quickly ruined by moisture, so it’s no surprise that water damage and freezing account for about 23.5 percent of property damage claims. However, your insurance company may undervalue your claim, ignoring the multiple steps in dealing with water damage. Our inspectors will document all these needs, which include draining the water, documenting and removing damaged items, cleaning remaining structures to prevent mold and kill disease-causing pathogens, drying the structure, and addressing the musty smell that often lingers after water damage.
• Additional causes of water damage. While the first thought a Floridian might have about water damage is “flooding,” there are numerous other causes. We’ve worked on cases involving burst pipes, damaged appliance lines, fire sprinkler systems (including secondary damage from putting out a fire), and roof damage that allows leaks.
• Weather damage. From hurricanes to tornadoes to hail to high winds, Florida can have some interesting weather. Unfortunately, sometimes weather events severely damage your home or other property—we’ve seen damaged roofs, missing shingles, water damage, broken windows and doors, wrecked fences and gutters, clogged pipes, damaged appliances, and a variety of other issues. Your insurance company adjuster might only note a few of these problems, or they could blame some of them on preexisting damage, but your public adjuster will document any and all evidence of how the weather event specifically led to each type of damage. We’ll also use photos and our intense knowledge of property damage situations to demonstrate damage that must be addressed.
• Vandalism or criminal activities. Sometimes, vandals decide to target your home, damaging siding, spray-painting on doors or walls, breaking windows, battering sheds or other outbuildings, tearing up fences, and causing thousands of dollars in damage. We’ll carefully document all damage and estimate what it will take to restore your property.
• Vehicle collisions. You might think of vehicle collisions happening on the highway between two vehicles, and that’s undoubtedly the most common scenario. But occasionally, a vehicle runs off the road…and into a home or building. We can estimate the damage to siding, doors, windows, and other affected areas.
• Electrical and appliance damage. A problem with the electrical system can cause a fire or fry electronic items like your TV, computer, washing machine, dryer, and other appliances. However, sometimes the appliance itself is the problem—a poorly wired appliance could also cause a fire, and washing appliances that malfunction could leave your home flooded. Determining the cause of the malfunction can be difficult, and the insurance company might be eager to write it off as something they don’t cover. Your public adjuster will study your policy and carefully collect evidence to show exactly what happened.

If you don’t think your damage fits into one of the above categories, give us a call at Pinnacle Claim Services anyway, and we’ll let you know if we can help. Our public adjuster services often help people with less common property damage situations.

How Can You Get Help From a Deerfield Beach Public Adjuster Today?

If you’re struggling to get an insurance claim for property damage covered, wondering if the insurance company’s offer is fair, or concerned that the insurance company adjuster will undervalue your claim, please contact Pinnacle Claim Services for a free consultation. We include a free inspection and insurance policy review so you can better understand what should be covered.

Our experienced public adjusters can also assist you with filing the claim and advocating for you with the insurance company. There is no obligation, but if you decide to move forward with our help, you won’t owe us anything until your claim is approved and you get paid, so there is no need to worry about upfront costs.

Don’t let insurance companies pull a fast one on you. Contact us today at 954-466-2954 and make the most of your insurance claim.