When weather damage or other events, like fires and business interruptions, bring your operations to a halt, you count on your insurer for aid. Unfortunately, they may not be as fair as you’d expect. Without resources and experience, you could find yourself running in circles with your insurance representative just to receive the financial protection you pay for.
Melbourne businesses enrich the community with services and products that the people truly enjoy, so we at Pinnacle Claim Services are dedicated to advocating for these businesses and their owners through their commercial loss claims.
Our team at Pinnacle Claim Services was built with the goal of protecting the best interest of policyholders as they manage the aftermath of business losses. We will represent you through negotiations and ensure that you are receiving the full extent of what your policy covers.
Get started and speak to trusted members of our team during a no-obligation consultation. In this meeting, we will be able to better understand certain details about your claim, and you’ll learn exactly how our services can help your business. Call 877-70-CLAIM or contact us online today! Our live claim experts are available to help 24/7.
You may think that the numbers your insurer throws at you are fair, but how can you be sure?
While business insurance is an essential protection, oftentimes, policyholders aren’t fully aware of the fine details in their policy. This means that you could be subject to an undervalued claim that leaves you paying for many losses out of pocket. The job of a public adjuster is to review your policy, investigate the damage, and create a fair estimate that can be brought to your insurer.
A report conducted by OPPAGA, using Melbourne policyholders as the sample group, found that those who retained a public adjuster recovered on average five times more than policyholders who did not have an adjuster working for them.
A commercial public adjuster can deep-dive into the contents of your policy and extract evidence from damages to prove what a valid estimate would look like and then compare that to what your insurer is offering. We let your policy speak for itself because you deserve the benefits of the coverage you pay for.
We are proud to have served a wide variety of industries throughout the state, including:
We understand how important it is for you to get your claim processing and begin the steps of restoration. Our skilled adjusters have years of experience supporting businesses like yours through the delicate process of commercial damage claims.
Our services come with invaluable resources and the protection of our experienced adjusters to help you get your business back to normal as efficiently as possible. We protect policyholders by acting as their knowledgeable advocates, reviewing every aspect of their claim to find hidden benefits and protections that your insurer might conveniently “overlook.” We are transparent about our claims process and want you to feel assured every step of the way.
The first step of our process begins when you give us a call. Immediately, we will conduct a basic questionnaire to help us paint a better picture of your unique situation. Shortly after, one of our live claim experts gathers basic details about your case, one of our certified public adjusters will reach out.
We must begin the process of inspecting the scene as early as possible. A certified inspector will come out to document their findings relating to the damage endured by your property, and the public adjuster can use these notes to compare the damages to your insurance coverage.
Even if you don’t fully understand every fine detail embedded into your policy, you should still be able to receive the benefits, right? While this seems like common sense, insurance companies may overlook certain hidden coverages that are scattered throughout the contents of your policy. Our adjusters are trained to evaluate insurance policies and uncover hidden benefits that your insurer would otherwise leave off your claim’s settlement. We compare the details of your claim to the policy you pay for and create an inclusive estimate that breaks down exactly what your insurance should cover and to what extent.
One of the most challenging parts of the claims process is negotiating with your insurer for a settlement. If you don’t have extensive previous experience with insurance companies, you may walk in without fully understanding what to expect. This makes you vulnerable to tactics that can leave you accepting a subpar number for your final loss benefits! Leaving money on the table with a Melbourne business loss claim is not uncommon, but public adjusters are experienced professionals who have considerable knowledge with the claims process. We directly take on the common practices perpetuated by insurers, and we ensure your claims are valued properly when submitted.
When restoration begins, you may find yourself nervous about many aspects like an estimated time frame and the reputability of the professionals, among other things. The team at Pinnacle Claim Services can help you prepare for the restoration process. We have spent our years in business developing close relationships with many teams across a wide variety of professions, and we can aid in finding the right team to take care of your establishment. We would never recommend a team we don’t trust to take care of your property with integrity and quality.
Strong storms like hurricanes are almost an annual tradition for Floridians, so the community is no stranger to this type of property damage. The vast majority of Floridians and Melbourne businesses are covered for this damage because of the consistent storm cycle. The Congressional Budget Office expects roughly $9 billion dollars in commercial damages per year due to hurricanes and related storms. Our public adjusters can help you get business back to normal after enduring severe blows to the property.
This can be a serious issue that leaves you unable to conduct basic operations. Electrical damage can affect your card systems and registers, computers, security cameras, and appliances.
What is your insurer prepared to do to get your business back on track after electrical damage? When you work with Pinnacle, you gain valuable resources and the help of trusted professionals who can provide services that protect your business from insurance practices that undervalue claims. Electrical damage can be time-consuming because finding the source of the issue can be difficult, so accounting for the full extent of business losses becomes more complex.
Business interruption includes many types of damages and other incidents that leave your business unable to operate for a given period of time. Business interruption can lead you to a point where the business can no longer operate altogether, and you deserve a payout for your coverage, even if the establishment can no longer function or conduct business.
It is reported that only 30-40% of small business owners have business interruption insurance, yet after the abrupt disruption to the supply chain within recent years, it has become a growing area of concern.
This is one of the most challenging types of insurance to adjust because you must determine what the business would have earned if the damage never existed. Basic business interruption coverage will only protect you from losses during the time it takes to restore the property, but that is all dependent on the contents of your policy. Business interruption insurance is a crucial protection, and Pinnacle can help these policyholders recover the compensation necessary to move on with their life.
It is important that policyholders utilize the extent of protections that come with related machinery. On top of your insurance policy, you may have additional protections like warranties that can be of extreme benefit. Mechanical breakdown insurance is typically useful for severe machine failures and can help you replace the broken equipment if you are covered for the cause of the failure, but additional warranties from the manufacturer may have broader coverage, as well. Our claim adjusters can help you organize a fully inclusive list of losses your business endured, and we will represent you through negotiations with your insurance company.
Often water damage is connected to the weather. In 2020, almost 20% of home insurance claims were due to water and freezing damage, and commercial properties are just as likely to suffer some of these effects. As we assess the cause and all effects of the water damage, we can paint a clearer picture of how your insurance policy can help. For all types of damage, policyholders are covered for specific causes, meaning only damage caused by something listed in your policy is covered for reimbursement. A public adjuster can look at the fine details and ensure that your insurer isn’t leaving any hidden benefits out.
Damage to the foundation of your business can occur for various reasons. This type of issue requires extensive investigation to find out exactly what is causing the problem and how to prevent it from continuing, even after repairs. A public adjuster can stand by your side as an experienced set of eyes and ears prepared to advocate for your best interest. Don’t take your insurer’s claims at face value; instead, work with a public adjuster who can help you understand the details regarding your claims process.
Fire damage is a devastating experience that often leaves properties in disarray. Fire damage can destroy whole sections of the property, resulting in a complete rebuild that can take weeks or even months. Even minor fire damage can come with extensive smoke damage, which takes time to be cleaned. During this time, your business will likely be unable to operate, and you’ll need someone like a public adjuster to help you accurately estimate the actual cost of your losses. Commercial fires are estimated to result in over $2.4 billion in losses yearly. These damages can be some of the hardest to negotiate, which is why it is important to retain an experienced professional like the public adjusters at Pinnacle Claim Services to represent you.
Leaks and related water damage are sensitive issues because the initial objectives are to get the water to stop flowing and to dry out any damp areas. This can leave your establishment without running water for a given period of time, stalling operations. During this time, restoration professionals may remove flooring, cabinets, and even parts of the walls. The experienced professionals at Pinnacle can conduct oversight, provide resources, and speak on your behalf to ensure that you receive the coverage you expect from your insurer.
The complex process of commercial property damage can be stressful to manage, especially on your own, which is why Pinnacle is here to help!
We know how much your business means to you, and even though you have taken all the necessary precautions to protect it, property damage happens unexpectedly. Without a public adjuster, you risk losing out on potential benefits and may pay out of pocket for repairs you are covered for.
Don’t walk through the claims process blindly: the team at Pinnacle Claim Services can help you feel more confident in the process of restoration for your business. We understand how busy you are and how property damage might mess with your daily schedule, so we’ve made sure that we can be available to incoming clients 24/7.
Our live claim experts are always ready to take your call and can help you get started immediately. Call 877-70-CLAIM or contact us online to speak with a trusted member of the Pinnacle team!
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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