When Should I Hire a Public Adjuster?

house damage that can go through a public insurance adjuster

If your home has been damaged by a natural disaster, fire, flood, or for any other reason, it is understandable for your first instinct to be to reach out to your insurance company. When you do that, your insurance company will send out a representative to evaluate the damage to your home. However, you can also hire a public adjuster. This is someone who works for you, not the insurance company. Public insurance adjusters in Florida are skilled at evaluating damages to your home, and they will work on your behalf when filing claims with your insurance company.

At Pinnacle Claim Services, our 5-star public adjusters are here to advocate for you! When you call us, one of our local public adjusters will plan to meet with you for a damage inspection, which has no cost up-front. Our public adjusters will then advocate for you when dealing with your insurance company, fighting to ensure you get the coverage you need and are entitled to, as outlined in your homeowner’s policy.

If you have been dealing with your insurance company by yourself and are feeling overwhelmed and taken advantage of, ask an adjuster for assistance. Call one of our public adjusters in Deerfield Beach, Melbourne, Naples, Palm Beach Gardens or through Florida at Pinnacle Claim Services to make things easier on you while making it more likely you will receive the full extent of all coverages available to you. We will conduct a damage assessment and review your insurance policy, as well as any claims you have already filed. We want to ensure you get everything your policy entitles you to! Call us anytime at  877-70-CLAIM (866-508-5084) or contact us online right now!

What Is a Public Adjuster?

A public insurance adjuster is someone who works on behalf of the policyholder when negotiating with insurance companies. Both individuals and businesses alike hire public adjusters when they feel they are not adequately compensated for the damage to their property as stated in their insurance policy or when they just want help throughout the claims process.

Public adjusters can help with many things, such as filing and negotiating claims of property damage due to floods, fire damage, water damage, mold, smoke, hurricanes, earthquakes, and other natural disasters. Additionally, they are experienced in reading through insurance policies and educating policyholders about what they are entitled to from the insurance companies.

If you are looking for a public insurance adjuster in Florida, look no further than Pinnacle Claim Services. Call us anytime at 877-70-CLAIM (866-508-5084) or contact us online so that we can get started working for you!

What Can Public Adjusters Do for You?

Many people may only have to deal with an insurance claim once or twice in their lives. Our public adjusters have a wide range of experience, seeing all kinds of damage on a daily basis. At Pinnacle Claim Services, our public adjusters have years of experience evaluating damages and reading through insurance policies.

Our priority is working for you! Here are some of the services that we offer at Pinnacle Claim Services:

  • Reviewing your policy
  • Assessing Damage
  • Documenting all data
  • Determining the scope of repairs needed
  • Meeting with insurance representatives on your behalf
  • Negotiating the best and most fair settlement possible

These services can save you time and money, as well as free you up from the stress of taking on this burden independently. Additionally, our experience can help ensure that no damage is missed, and our experienced adjusters can help fill in any gaps of knowledge that you may have about your policy.

Do I Need A Public Adjuster?

You may be wondering, “Are public insurance adjusters worth it?”

If you are thinking about filing a claim with your insurance company, particularly if you have extensive damage to your property, it is probably in your best interest to hire a public adjuster first. By working with a public adjuster, home insurance claims can be greatly simplified and more likely to result in the total amount of benefits needed to restore your property. Public adjusters have years of experience in dealing with property damage and may find hidden damages where homeowners may not.

Public adjusters are up-to-date with current construction and material costs, and they have overseen repair estimates for many different types of damage. Florida public adjusters can help you find what the insurance adjusters may miss. Insurance companies may try to offer you a settlement based on formulas or spreadsheets, but your public adjuster will help negotiate to get you the money you are entitled to from your policy based on the actual damages and repair costs.

In an article from Forbes, Tim Cornett, the former president of the Florida Association of Public Insurance Adjusters, says that, “Public adjusters are often more thorough in their damage analysis than company adjusters. That’s because of their training and also because their loyalties are to you, the policyholder, and not the insurance company.”

Property damage can be incredibly stressful. Don’t shoulder the burden of undertaking the entire process by yourself. Call one of the experienced public adjusters at Pinnacle Claim Services. Then, you can rest easy knowing that you have a professional looking out for your best interests.

Is Hiring a Public Adjuster Worth It?

If you have damage to your property that you are thinking about filing a claim with your insurance company, it is always worth having a public adjuster come out and conduct an independent review of the damage.

A public adjuster can take their years of experience and use that to help ensure that the claim you will file with your insurance is accurate and detailed. For instance, if your property has suffered wind damage from a hurricane or tropical storm, you may have sustained damage to your roof. Trying to figure out the cost of replacing or repairing that roof by yourself can be difficult, and it can be easy to overlook additional costs, such as hiring someone to remove the damaged roof as well as putting a new one on.

Without a public adjuster to look out for you, your insurance company may pay out an amount that will not adequately cover the damage your property sustained. Many people find that having an experienced individual by their side during this process is worth the cost of hiring the adjuster.

According to the 2010 Report by the Office of Program Policy Analysis and Government Accountability, public adjuster claims resulted in payments that were 747% higher than claims without a public adjuster. Pinnacle Claim Services has helped clients receive payouts 4073% higher than the initial carrier payout.

What Can Pinnacle Claim Services Do for Me?

When you contact a public adjuster from Pinnacle Claim Services, you can expect the following:

  1. We will schedule a no-cost consultation with you to evaluate the damage to your home and to help you determine if you need to file a claim with your insurance company.
  2. We will read and explain your homeowners policy to you to ensure that you are educated on what you can and should expect to receive from your insurance company to repair the damage.
  3. We will work with you to submit an accurate, detailed claim to your insurance company. Even though many insurance companies work to make you feel as though they are your friends or even part of your family, the truth is that they are a business. When you choose to work with us, we can accurately detail all the damages that occurred and ensure that the claim you submit covers all expenses you may need to deal with. We will do everything we can to negotiate a fair settlement for you and your family.

Our adjusters have expertise in mold damage, fire damage, water damage, and weather damage. Contact us today so we can come out for our free consultation and help guide you through getting your life and property back to normal. Call us anytime at 877-70-CLAIM (866-508-5084) or contact us online so that we can get started working for you!