Property damage can strike anytime; when it does, you need a trustworthy team to offer their support and expertise. The help of a reliable public adjuster can be invaluable, especially in a state like Florida, which ranks third highest in the nation for losses in property damage claims.
You may believe you have all the support you need from your insurer, but how do you know your claim isn’t undervalued? If you aren’t aware of the fine details hidden within your insurance policy, you may walk away with out-of-pocket costs you technically had coverage for.
An insurance representative will not always put your interests first. They could easily overlook certain coverages or argue that certain damages shouldn’t be covered — when the policy says they are.
Public adjusters don’t work for anyone but you. These adjusters are trained to help you take advantage of every benefit your policy accounts for.
The Pinnacle Claim Services team has years of experience serving Florida families like yours in Jupiter Island. Our team is prepared to take on any obstacle that your insurer may try to throw at us, and we’ll always fight to protect the best interests of our clients.
Don’t wait; call (877) 70-CLAIM to talk with one of our live claim experts, or contact us online to get started with an initial consultation.
The small community of Jupiter Island enjoys the luxuries of the Florida coast without the crowds of the inner cities. Even with a population of just over 800, Jupiter Island is known to have the highest per capita income of any state in the country.
With an average income of over $438,000, the people of Jupiter nurture such a highly desired location and highlight all of its magic.
The community utilizes its prime location with ultimate beachfront views, delicious local food, and exciting outdoor activities. If you move into the neighborhood, you may even become a neighbor to residents like Tiger Woods or Celine Dion.
This island has a lot of gems to uncover, from memorable entertainment to fine dining experiences. Even though the area is small, the Jupiter Island experience is grand.
You could assume that an island in Florida will be at risk for severe weather impact, and you would be half-correct.
While the island is expected to have roughly half its properties at a 26% risk for flood damage within the next 30 years, the community has been lucky enough to miss some of the major storms from the past two decades.
The last hurricane to hit Jupiter County was Hurricane Jeanne in 2004.
Even though a major storm hasn’t hit in a while, it is always a good idea to check your insurance policy to ensure you are covered for the most common types of property damage in your area.
When you live in a state with unpredictable storms like Florida, it is always advisable to protect yourself and your assets, such as property, with safeguards like insurance.
While there are no laws mandating property insurance in Florida, many mortgage lenders will require it, and your financial advisor will likely recommend it.
The Insurance Information Institute estimates that roughly 13% of all Florida homeowners have no property insurance, which is almost double the national average. This type of mistake could cost so much more than money in the end.
Traditional homeowners’ and property owners’ insurance policies usually cover the following:
While you may be covered for a wide variety of damaging events, to what extent will your insurer protect you? It is more complex than identifying that something like water damaged your home and then instantly receiving the funds you need to repair it.
Your unique situation plays a large role in the final result of your settlement, and a public adjuster can help you map out the pieces of this puzzle.
The skilled team at Pinnacle Claim Services will deep-dive into your insurance policy, looking for those clauses and forms of “hidden” coverage that could benefit your situation.
The immediate aftermath of uncovering property damage can be extremely stressful, but as a responsible property owner, there are some precautions you can take to make the following steps of the process easier to walk through.
First and foremost, stay on top of your claim by following any new developments or complications that arise.
It might feel easier to put this situation on the back burner for a while, but following these steps can make the process easier and help protect you from false claims of fraud, neglect, or lack of cooperation.
It is crucial that a property owner immediately contacts their insurer after noticing any type of property damage. You want to have a record that shows you took charge of the situation and did not neglect to notify your insurer, causing the damage to worsen over time.
Damage caused by delays in mitigation is a common problem in claims, often resulting in the policyholder walking away with a less-than-adequate settlement.
While notifying your insurer of a possible claim in a timely manner is crucial, it is equally important that you refrain from offering too many details up-front. Your assessment of final damages should be based on a professional’s opinion.
During the claims process, a public adjuster could help you understand what you have to disclose, what you should mention, and what you should avoid saying.
Be sure to take photos and videos of any and all damage that you want to include in your property damage claim. These are the best representation of the damage after the initial inspection has been completed and restoration begins.
Try to get photos of every angle of the damage, and don’t forget to include pictures of personal belongings affected by the damage. Even the smallest things should be accounted for, as those small bits of compensation add up quickly.
Your insurer should get the process rolling soon after you initiate a claim, but it is important that you at least try to prevent further damage if possible.
For example, if your home is being affected by a burst pipe, you should shut off your water and try to dry out any moisture that settles in your home.
Never leave damage to worsen, as you could be held responsible for neglecting the issue in the form of a reduction in coverage. Make sure that you record these attempts to prevent further damage with photos and videos of your efforts.
Once you open a claim through your insurance company, they will hire an independent adjuster. Many policyholders believe that this representative works for them — but these adjusters answer to your insurance company.
Their job is to assess the details of your claim and give you an offer that may or may not leave out some valuable benefits.
On the other hand, a public adjuster is tasked with protecting the policyholder. Public adjusters exist to keep independent adjusters in check, ensuring that every bit of coverage you pay for is accounted for in the final settlement.
Some tasks of a public adjuster vary by claim, but our purpose is to provide the following main services:
If you are managing the initial aftermath of property damage, the next steps may feel uncertain. When you call Pinnacle Claim Services, you gain a team of skilled professionals with one objective: to help you feel confident in your insurance claim.
We promise to act fast! We’ll send a representative to your location to begin our assessment of your property’s damages. We’ll work with your insurer, advocating for your needs as we help you seek the highest settlement value possible.
All it takes is a call. Call (877) 70-CLAIM or contact us online and get in touch with one of Florida’s best.
Living in South Florida, we are no strangers to natural disasters.
LET US PERFORM A FULL REVIEW OF YOUR INSURANCE POLICY TO MAKE SURE YOU HAVE THE CORRECT COVERAGE!
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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!
No charge unless you get paid.
Live agents available 24/7.
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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