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Frequently Ask Question | Pinnacle Claim Services, Inc.

Public Adjuster Services FAQ

Learn About Public Adjusters

A public adjuster is an insurance claims adjuster that holds a state license and works for the homeowner or business owner. Qualified public adjusters are well-educated in homeowners’ insurance and know all the ins-and-outs of the business. A public adjuster usually works for percentage of the homeowner’s claim.

Professional public adjusters, like the qualified team at Pinnacle Claim Services, Inc. will adjust any type of property damage.  From a hurricane and tropical storm to mold, fire, theft, vandalism and any type of water damage or back-up.

Absolutely not! Your insurance company is a business with interests to protect. The insurance company adjuster works for the insurance company. You should protect yourself by hiring a public adjuster to work for you.

Our public adjusters compile an very extensive estimate based on a comprehensive inspection of the property. Most times the insurance company adjuster does not do a very thorough job and things get missed.  We spend the time needed and provide a very accurate account of all damage.

Learn About Insurance Claims

Most homeowners do not understand it is their own responsibility to prove the loss to the insurance company. The insurance company will not hire experts to assist in compiling your claim.  You need someone looking out for you. Putting together an insurance claim and submitting it properly is not an easy task. It should be left to the experts who deal with it on a daily basis.

It is possible for a public adjuster to reverse a denied claim. Pinnacle Claim Services, Inc. has had success in re-opening  previously denied claims as well as underpaid claims. You do not need to settle for the insurance company’s estimate of damages or offer to settle. These claims can be re-opened.

Most insurance rates rise each year whether you file a claim, or not. It’s also possible that your homes value could be overstated causing you to incur additional unnecessary premium. We have actually saved homeowners money by having unnecessary coverage reduced. Your rates however, could go up as a result of filing a claim.

There are many choices when it comes to insurance companies. Some better than others. We can speak with you about this based upon our vast claims adjusting experience.

A policy review should be conducted. The pros and cons can be discussed with your adjuster which will assist in making the decision that’s right for you.

Water damage in a home is usually sudden and accidental due to a pipe failing, roof leaking, or water back-up. This does not entail acts of Mother Nature, such as flooding of the home caused by a hurricane or a tornado. Flood policies cover certain water events and your homeowners insurance covers other water events.

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