Nobody wants to file an insurance claim because to do so means having to go through disaster first. Unfortunately, sometimes disaster is unavoidable, and we have to rely on property insurance to help us recover.
On paper, your insurance provider would take it upon themselves to evaluate the damage and provide you with prompt and fair compensation. In practice, we at Pinnacle Claim Services, Inc. often find that this is not the case.
Especially when it comes to property damage from extreme weather, claimants often find themselves battling any number of disputes and technicalities that prevent them from getting fair compensation.
This is because, at the end of the day, insurance companies are a business and will benefit from diminishing the value of your claim. Thankfully, public adjusters exist to represent your interests and allow you to maximize that value.
In the wake of the tragic storms that tore through South Florida, we, the public adjusters at Pinnacle Claim Services, Inc. are ready to assist you with your hail and wind damage claims.
Hail can cause significant damage to property, just as the severe winds that accompany them can. Floridian property owners need to be prepared for the worst.
If you suspect that your property has been damaged by hail, do not hesitate to call Pinnacle Claim Services Inc at (866) 508-5084. We will handle your claim promptly and fairly and do our best to make sure you walk away with the compensation you need to recover from this tragedy.
The last two days of April alone have given Floridians a beating plenty of other people wouldn’t have gotten back up from. Two tornadoes ripped across the region, leaving multiple homes, apartment complexes, and buildings damaged.
Roof, siding, and window damage are the most common forms of damage these events can cause. Particularly bad hailstorms can even break HVAC units and their components.
Hail can result in indirect losses as well. Water infiltration can lead to damage in the interior of the home, which can, in turn, lead to mold growth, electrical damage, and more.
More than that, over 4,000 residents are suffering from power outages, and that number is only expected to rise before repairs to the grid are complete. These outages add to the damage by increasing accident risk.
An expert public adjuster is trained to identify all damage your insurance policy covers, whether directly or indirectly caused by hail. It can be difficult for both you and your insurance provider to keep track of what falls under your policy, but it is the exact niche a public adjuster excels at.
You can employ a public adjuster at any point during the claim. However, you should contact one as soon as possible, even before you report any residential or commercial loss to your insurance provider.
Public adjusters have the tools needed to inspect for these damages and give a reasonable assessment of the condition of your home.
As soon as your insurance provider receives your application, they will likely turn to their own adjuster to assess the damage and report back to them. Unfortunately, private adjusters prioritize the interests of the insurance agency, not the claimant.
For this reason, having a public adjuster on your side will often prove an advantage. Public adjusters can allow you to get an accurate assessment of the value of the damage and provide a defense against any lowballed offers the private adjuster might want to throw out.
We prioritize your interests and represent you during the preparation, presentation, and resolution of property insurance claims. And you can help us to help you by doing the following to protect your claim.
Take photos of anything and everything that was damaged during the recent storms. Too much is always preferable to not enough, so use whatever recording devices you have to document everything you can.
Try not to throw away damaged property you have recorded, with the potential exception of if poses an immediate threat to the safety of you, your family, or surviving property. Any item that even partially survived the storm should be inspected by your insurance provider.
If you make any purchases related to the storm, i.e., materials for repair, tools, and emergency supplies, be sure to keep the receipts. It may be possible to reimburse these items if they are covered under your insurance policy.
You will likely have to work with restoration companies and contractors after a particularly damaging storm. Be smart about what you sign and read the fine print, as you do not want to get stuck in a contract with unfavorable terms.
Even if the companies are trustworthy, you should not skip this piece of advice. A lot of contractors arrive from out of state to capitalize on good business, but they may not understand the insurance claims business.
In the emotional aftermath of a natural disaster, plenty of claimants will want to rush through the process to put the tragedy behind them. Meanwhile, insurance companies will also want to rush through damage claims, as they will often face a backlog of millions of claims at a time.
This often means private adjusters, at best, may rush reporting and miss damage the insurance company should cover. At worst, it incentivizes them to miss damage to maintain good ties with the insurance company, which will be spending a lot of money during this time.
Obviously, this does not align with your interests as a claimant.
Our public adjusters will ensure that we appropriately and accurately report damages to your property in order to avoid mistakes. We see to it that you receive a fair and just settlement for your insurance claim, allowing you to turn your energies to other important matters.
We at Pinnacle will not let you deal with damages on your own… if you allow us to work with you.
Do you need to file a property damage claim due to the recent tornadoes and hailstorms? We at Pinnacle are waiting.
Contact us online. We will reach out to you as soon as we can!
If your home or business has been damaged, call Pinnacle Claim Services Inc., and we can schedule a free inspection. We will work together throughout the claim process, from filing the documents onwards, all to get your life back on track.
You may also call us at 877-70-CLAIM, and a professional Florida public adjuster will come to you to assess your situation. So don’t delay!
Living in South Florida, we are no strangers to natural disasters.
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When disaster strikes, it can be difficult knowing where to turn or who to ask for help. Pinnacle Claim Services’ professional team of Florida public insurance adjusters and support experts are here to assist you throughout every step of your damage claim from emergency services and mitigation through final settlement.
Some of the most common issues people experience with insurance companies after property damage has occurred and a claim has been initiated include: unreasonable delay on the part of the insurance company, inadequate training of the insurance company’s adjusters and adjusters that are “so busy” that your claim gets zero attention and does not progress towards resolution. Additionally, you may not have the appropriate policy with the right type of coverage or limits.
There is no set time period for settling a property damage claim with an insurance company and each claim is different. You could receive a check in a few days or it could be a few weeks. Also, it may take multiple rounds of negotiations and payments for you to be adequately and justly compensated for your claim.
Absolutely not. Some companies do possess better reputations than others and there are some who consistently delay the process unnecessarily. It’s important that you comply with your “duties after the loss” (duty to mitigate etc.) Call us, we can help!
Pinnacle Claim Services will request a copy of your policy, file the proper paperwork for you, put together a comprehensive estimate of damages and negotiate a fair settlement Do not become emotionally burdened. Do not be denied money for repairs you deserve. Rely on Pinnacle Claim Services to work on your behalf, keeping you informed throughout every step of the process to get every penny you deserve from the insurance companies.
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