Melbourne Public Adjusters Services

Property damage can be expensive to repair—even damage that appears minor may be more complicated than you think. You have home or business insurance to protect you from these rising costs, but you could run into difficulties in getting your claim approved.

Is there anything you can do to speed up the process and convince the insurance company your claim is valid?

Yes. You can contact a Florida public adjuster, an insurance adjuster who works directly for you rather than your insurance company.

While the insurance company adjuster might keep you waiting, deny your claim, or offer less than it would cost to do necessary repairs, your public adjuster will be focused on helping you get the best value from your settlement. Here are several ways we can assist you:

• A local public adjuster will promptly visit the site and thoroughly examine the damage, while you might wait weeks or months for your insurance company adjuster to schedule a visit.
• We’ll determine the full extent of the damage and what repairs or replacements you need, and then we’ll provide an accurate cost estimate.
• Our experienced adjusters will photograph and note the cause of all your damages, drawing a clear line from Point A to Point B. This attention to detail helps strengthen your case by showing that your damage was the result of a covered incident.
• We’ll review your insurance policy and answer questions so you understand what is and isn’t covered. Additionally, we can review your insurance claim before you submit it, and in some cases, we may have suggestions to improve your chances of success when submitting.
• If you submitted a claim that was denied or undervalued, we’ll review the insurance company’s response. In some situations, we may be able to submit additional documentation and persuade the insurance company to pay your claim.
• Negotiating with the insurance company adjuster can be challenging or stressful, especially if you’re not an expert on insurance policy lingo (and most people aren’t). Your public adjuster can handle negotiations for you and will work to ensure you receive the appropriate amount for your settlement.

How Can Melbourne Insurance Claims Services Help With Your Claim?

When you contact Pinnacle Claim Services for a free inspection and insurance policy review, we’re dedicated to helping you successfully file your claim.

Our inspectors won’t make you wait for weeks or make excuses about why they can’t visit your area. They’re professionals who work hard to assist their clients in stressful situations.

We also perform a scrupulous evaluation of your damage. While an insurance company inspector might only look at the area you indicated, we will examine other parts of the property.

We do this because we know many types of damage are not immediately evident, especially to the average policyholder who isn’t specially trained to recognize different signs of property damage. In many cases, we identify additional damage the homeowner was unaware of and may not have noticed for weeks or months. 

For instance, sometimes we learn that electrical or HVAC systems have suffered deterioration or an appliance sustained electrical damage. Water damage can also be insidious and may spread beyond the area of discoloration that you noticed.

When these problems are initially overlooked, the property owner may end up paying out of pocket to deal with them later.

Why Can’t the Insurance Company Adjuster Do What a Public Adjuster Can?

Technically, they can; it just isn’t their job. An insurance company adjuster is employed by an insurance company, and as a result, their job is to save the company as much money as possible.

If there is a reason to deny your claim, even a weak or questionable one, the insurance company adjuster is probably going to take advantage of it. There is also no benefit to the insurance company to look for or find additional damage you didn’t notice.

You employ a public adjuster, and they don’t get paid until they successfully settle your claim. They want you to use their services again if you have another incident, and it’s in their best interest to ensure you receive a fair settlement.

What If the Insurance Company Has Already Made You an Offer?

You might think this is the end of your property damage problems, but that’s not always the case. It’s important to read the offer carefully and consult an expert to ensure it fully covers your damage.

Frequently, we review insurance company offers and find that they undervalue the policyholder’s damage. As a result, you might run into issues such as:

• The repair that doesn’t work or doesn’t last. The insurance company adjuster may decide that your repairs can be addressed in the least expensive way possible, but this is often inefficient. For instance, they may offer to pay to repair a small section of your wall when the water damage has spread to other areas and you need to replace the whole wall. This is a bigger, more expensive job, but it will resolve the problem with finality; a piecemeal repair will leave you at risk of future problems with the wall (that the insurance company may refuse to pay for).
• Additional future expenses. If you accept an offer for a minor repair when you need a more extensive one or a complete replacement, you may find that your structure or appliance is now a “lemon”—you just keep having problems with it. These are not covered because the insurance company doesn’t believe they’re connected to your earlier damage—they already fixed that, remember? Many people pay out of pocket for these repairs or simply replace the damaged item at their own expense.
• More additional expenditures. Sometimes, the added costs are more immediate. You may find there are extra outlays of cash even when the insurance company pays for the repairs. For example, they might pay the contractor to fix your windows, but you learn that hauling away the old, broken windowpanes isn’t included in their estimate. As a result, you have to pay for another service to provide waste disposal.

Because of the many unseen difficulties that can come up even with a seemingly “good” offer from your insurance company, we recommend a review by a public adjuster.

We can point out any potential inadequacies or reasons the offer may not cover every expenditure. Additionally, we can negotiate with the insurance carrier for a more comprehensive deal if you like.

What Property Damage Situations Can You Use Public Adjuster Services For?

An experienced public adjuster will assist you with a variety of common property damage issues:

• Mold damage. The risk of mold after any water damage incident is an unfortunate reality of living in a humid area like Florida. Unfortunately, many policyholders find that while mold damage is covered in theory, it’s hard to make a successful claim. The insurance company demands proof that the mold was caused by a covered incident that may have happened days or weeks earlier. Your public adjuster will carefully document the damage and evidence of what caused it to show its relationship to a covered problem.
• Water damage. Mold aside, water damage can wreak havoc on walls, floors, ceilings, furniture, appliances, and even your HVAC system. Your public adjuster will ensure all damage is cataloged and documented.
• Fire damage. Besides the obvious damage to burned structures, furniture, appliances, or other items, you could also have additional smoke damage. In some cases, there is also water damage due to sprinkler systems or other efforts to douse the fire. A public adjuster will help secure compensation for these issues in your settlement.
• Weather damage. This can include hurricanes, thunderstorms, tornadoes, lightning, wind, hail damage, and more. It can be hard to get your insurance company’s attention following a weather incident in which many policyholders suffered damage, resulting in an uptick in claims. Engaging a local public adjuster can save you time by ensuring the evaluation and documentation are done ahead of time in a way the insurance company adjuster will find acceptable.
• Crime and vandalism. Most homeowner’s insurance policies cover damage from crime or vandalism, and a public adjuster can help you document your damage.
• Riots or civil disturbances. Your policy may also cover damage from these incidents with sufficient photos and evidence of how the damage happened.
• Vehicle collisions. These are somewhat less common, but we have seen cases of accidents where a car or even an aircraft collided with a home or other building.
• Sinkhole Claims and problems caused by water lines, HVAC, sprinkler systems, burst pipes, or household appliances. These situations happen frequently, are usually sudden, and can cause a tremendous amount of damage in a short period of time. However, the insurance company adjuster might demand more documentation of cause and effect, and your public adjuster can assist you with securing a settlement.

How Can You Contact An Insurance Claim Services Company in Melbourne Today?

Please call (321) 384-9379 or use our online contact form to schedule a free damage inspection and insurance policy review from Pinnacle Claim Services. Our public adjusters are licensed and bonded, highly trained and educated, and ready to assist you in the claims process from beginning to end.