What disasters do public adjusters help with?

water damage a public adjuster can help with

If your property is damaged by an incident like a windstorm or a fire, you might want to consider hiring a public adjuster. Their job is to evaluate the damage and confirm the details of your policy to help you seek the maximum benefits available. Your insurer will send their adjuster, whether it’s a company adjuster or an independent adjuster, but you also have the option of hiring a public insurance adjuster of your own, also known simply as a public adjuster.

To hire one of these licensed insurance professionals, you will pay a fee out of the final settlement amount you receive from your claim. But the good news is that a public adjuster can save you plenty of money by making sure your insurance company pays you the total amount you deserve based on many considerations, such as your policy coverage and the extent of your damages.

If your insurance company has underpaid or denied you, Pinnacle Claim Services is here to help. Our professional knowledge and experience are unparalleled. Representing your best interests is what we do best. To receive a damage inspection and policy review free of charge and find out why Pinnacle public adjusters are trusted by people throughout the state of Florida, give us a call at 877-70-CLAIM or contact us online.

What Is a Public Adjuster?

A public adjuster is an insurance professional who works on behalf of policyholders rather than insurance companies. Businesses and individuals hire adjusters when they need assistance filing a claim or if they think they weren’t fairly compensated by their insurer.

Besides public adjusters, there are two other types of claim adjusters:

  • Company adjusters, who an insurance company employs, represent their employer, not the policyholder. Therefore, their priority is to ensure a quick and seamless claims process and also to minimize the amount their company pays in a settlement.
  • Independent adjusters also work on behalf of insurance companies rather than policyholders. The primary difference between them and company adjusters is that the independent adjusters aren’t full-time salaried employees. Instead, they work for and are paid by insurers on a contractual basis.

Public adjusters, unlike company and independent adjusters, represent the policyholder. Their goal is to maximize the amount of money their client receives based on that person’s insurance coverage and the extent of their loss.

What Types of Disasters Can Public Adjusters Assist With?

Public adjusters can negotiate and file claims for disasters such as floods, smoke, hurricane, mold damage, burst pipes, and fire damage. A person can even hire a public adjuster for a claim involving a loss of business income if the loss resulted from property damage.

Fire Damage

Fire loss, which includes damage caused by heat, smoke, soot, the fire itself, and the water used to extinguish the fire, is one of the most catastrophic occurrences that can happen to individuals, families, or businesses.

In cases of severe fire, these components can render a business or residence unusable and uninhabitable. That’s where a public adjuster comes in. When preparing your claim, their first objective is to determine the severity of damage and loss and analyze your policy coverage.

Damage from fire requires important decision making within a short period of time, which can cause even more stress and confusion for the parties involved. Sadly, far too many people commit disastrous mistakes when they’re under a great deal of pressure, and these mistakes can have lasting consequences.

Public adjusters who are experienced and licensed in their state of operation are familiar with the claims process and, therefore, can complete the process quickly and hassle free.

Burst Pipes

Burst pipes are responsible for many plumbing failures in the US. And if you’ve ever wondered, “Why do pipes burst?” there is an explanation for this phenomenon. While frozen pipes are caused by rapid drops in temperature or poor insulation, burst pipes typically result from material failures within the pipes themselves.

A pipe burst in your house can occur wherever there’s a pressurized plumbing line. Particularly prone areas include bathrooms, kitchens, below-floor slabs, ceilings, and interiors of walls.

Besides the financial burden that burst pipes can put on property owners, this situation can cause a significant amount of emotional distress. Water damage to personal belongings such as furniture, electronics, clothes, and items with sentimental value can be hugely upsetting. Damaged materials will also be prone to mold unless quick steps are taken to remediate them. But perhaps the biggest issue a person can experience is displacement from their own home.

Understanding and navigating the process of a burst pipe claim can be confusing and overwhelming, but the assistance of a qualified and experienced public adjuster can make the process much less daunting for the policyholder.

Mold damage

But because mold contamination poses a huge health risk to some people and can cause a considerable amount of property damage, it should never be taken lightly.

Mold damage claims, like other claims following a disaster, can be quite complex and confusing. Fortunately, a public adjuster can help you navigate through a mold damage insurance claim and fight for the compensation you deserve.

What Does the Claims Process Look Like With a Public Adjuster?

As experts in the language and details of insurance policies – in addition to filing and adjusting insurance claims – public adjusters are quite familiar with the claims process.

Besides using state-of-the-art software to independently evaluate their client’s property loss and gather detailed, hard-to-find claim information, public adjusters can submit supplemental claims on their client’s behalf and help their client negotiate with the insurance company.

Find Experienced Public Adjusters at Pinnacle Claim Services

If you’re in Florida and you want to hire a local public adjuster who can evaluate your property damage, whether it’s fire damage, burst pipes, or mold damage, and maximize your settlement payment, you’re in the perfect place.

At Pinnacle Claim Services, our public adjusters are experienced, reliable, and fully committed to our clients. The last thing we want is for you to be emotionally burdened and be denied money for the repairs you deserve. So why not take advantage of Pinnacle Claim Services today? We’ll request a copy of your policy, file the proper paperwork on your behalf, come up with a comprehensive estimate of damages, and negotiate a fair settlement.

Receive a free damage inspection and policy review by calling 877-70-CLAIM or contacting us online.