When the lights go out in Lee County, it’s usually the result of the dozens of huge thunderstorms that roll through each year. Some years are marked by major hurricane events, with 2022 being no exception. Hurricane Ian’s path through Southwest Florida saw it making landfall near Sanibel Island, leading to massive destruction and widespread flooding caused by storm surges.
If you have been left picking up the pieces of your home or property in the aftermath of a major storm, know that you don’t have to deal with the insurance claims process alone. Pinnacle Claims Services has assisted thousands of Floridians with claims. We know that the process can be overwhelming, which is why we’re ready to come and assist. If your insurance company has underpaid your claims for Hurricane Ian’s damage, please contact us today.
Local Pinnacle Claims Representatives are available in Lee County to quickly come to you. We provide you with a free inspection of damages, a free review of your insurance policy, and a free review of any current claims.
Let us help you get back to a normal life after you and your family have been the victims of nature’s destruction. Call 877-70-CLAIM or contact us online to schedule your no-risk, no-cost appointment now.
Sunny, serene Lee County has a history of being hit pretty hard by hurricanes and other major storms. Since its formation in 1887, the area has been popular as a destination for those looking for year-round warm weather and pleasant surroundings. No less than 40 retired athletes and celebrities have chosen to call the area home, including NFL Hall of Famer Deion Sanders who was born and raised in Fort Myers. In the past, the area drew the eye of people like Thomas Edison, Henry Ford, and filmmaker George Romero, all seeking their own slice of idyllic beauty along Florida’s Gulf coast.
Gaggles of tourists also flock to Fort Myers, Cape Coral, Sanibel, and other destinations in Southwest Florida every year. It’s the perfect place to enjoy the beach, do some shopping, catch a spring training game, or maybe even meet a manatee!
Unfortunately, the same beachside beauty that lures so many to Lee County’s lands also happens to frequently lie right in the path of hurricanes coming through the Gulf of New Mexico. In fact, a major hurricane that occurred over a century ago in 1921 reshaped the coast, creating what is now known as Redfish Pass between Captiva and Cayo Costa islands.
Hurricane Irma crossed directly through Lee County in 2017, causing heavy flooding and major damage to infrastructure. Since that time, more than a hundred thousand people have moved to the area, raising the stakes for risk to life and property. Hurricane Charley also hit the area badly in 2004, knocking out power and destroying tens of thousands of homes.
When hurricanes hit or major storms impact your property, the important thing is to remain calm and focus on the next steps. Many people despair that they will have difficulty getting the needed coverage from their property insurance at this time. They can take solace in the fact that Pinnacle Claims Services is available to help them. We can provide residents with a certified Lee County public insurance adjuster to come to them, help assess the damage, and then do everything we can to recover benefits to repair your home.
Every year, millions of Florida residents are left scrambling in an attempt to file claims after being in the path of a major storm or flooding event. High-speed winds and torrential downfalls are just the first things they have to worry about. The damages wrought by nature at her most powerful can also stem from secondary incidents: fires, water damage, foundation collapses, fallen trees, or even vandalism and theft.
Making sense of your insurance policy during this time can be incredibly difficult. Worse, representatives of the insurance company can be frustrating to get a straight answer from. By the time they receive their initial settlement offer, most homeowners are ready to accept the check they get and move on with their lives.
The only problem? The settlement offers tend to be far lower than the costs of a repair in the wake of a major storm event.
A typical homeowners or property owner insurance policy provides coverage for the following events:
Benefits typically pay for:
While all of the above coverage areas may sound ideal for putting you back on your feet following a storm, the reality is often not so rosy. Insurers have a profit-driven motive to reduce the coverage available to policyholders to the extent reasonably possible under the law. Complications within coverage areas and convoluted policy language can all lead to the same conclusion: giving you less money than you needed to pay for the full costs of recovering after a storm.
Alleged flooding is one of the most likely culprits to a denied claim. Most homeowners’ policies exclude coverage for floods, forcing homeowners to seek additional coverage from a secondary policy or rider backed by the National Flood Insurance Program (NFIP). Even then, insurance companies and homeowners will often disagree as to whether a flood truly occurred in their home. Flooding can be the sole result of excess rainwater, or it could be caused by local waterways overflowing their banks or a storm surge coming in from the coast and connected harbors. Yet, water damage caused by roof leaks or structural collapses can occur in the absence of flooding. What then typically happens is a long and drawn-out legal conflict.
Insurers will also attempt to deny or reduce coverage by alleging that the homeowner failed to take steps to adequately protect their property. Neglecting to board up windows prior to a storm or waiting too long to deal with a hole in the roof can contribute to what carriers refer to as avoidable damages. Owners may also be accused of making faulty repairs or having damages exist prior to the storm event.
No matter what the reason, Pinnacle Claims Services works to get to the bottom of the issue. We inspect damages and can work with experienced, locally based contractors to get informed opinions about the extent of damage and its most likely cause. We can also review your policy, seeking to extract every last benefit available.
Most insurers will do whatever they can to frustrate claimants in an effort to get them to back down. We don’t back down! We help you determine what your claim should actually be worth, and we assist you in using the right evidence and documented reasonings to seek out 100% of the benefits you need.
Huge areas of Lee County are vulnerable to storm surges of 15 feet or higher. Some of the most vulnerable areas include Sanibel, Pine Island, Punta Rassa, Iona, and the coastal communities surrounding Cape Coral. The effects of storm surges can reach far inland, as well. Historic flood data shows flooding of 5 feet or more reaching past I-75.
Most storm surges are caused by the high winds found within a hurricane, which can reach past speeds of 150 mph. The enormous force of the winds shoves tidal activity up past its typical heights while also reaching inland. A combination of these effects leads to waters surging up the coast, including within waterways and major rivers nearby. The waters can easily reach high enough to completely cover a house from the foundation to the roof.
Once a storm has torn through your neighborhood, you will know the feeling of complete and utter helplessness it can bring with it. Fortunately, you have an ally in getting back to normal.
Pinnacle Claims Services wants to come to you to assist you in getting the benefits you need from your insurance carrier. We’re the only type of adjuster recognized and licensed by the state of Florida to work directly with you. Call or reach out today and take the first steps to feeling safe and comfortable once more.
We work at no up-front cost, and we charge you nothing if you are unable to get a settlement out of your insurance company!
Schedule your free damages inspection, policy review, and claims review today when you call 877-70-CLAIM or contact us online.
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!
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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