Water damage is a constant concern for property owners in Florida. It can happen suddenly due to flash floods or broken pipes, or it might occur despite your best efforts to prepare for an expected weather event like a hurricane.
In some situations, water damage may be subtle, and you might not recognize it immediately, but when you do notice it, you should take action right away. The longer you wait, the more difficult it may be to get compensation from your insurance company.
But sometimes, even when you make a claim quickly, the insurance adjuster may find an excuse to delay visiting the site, to deny your claim, or to undervalue your damage. Often, property owners wonder what they can do to protect their rights in these challenging situations.
If you’ve just discovered water damage on your property, you may not know what to do next. The truth is that most water damage requires professional help, so you should resist the urge to attempt repairs on your own. However, you should do the following:
Ultimately, the insurance company adjuster will review and make a decision about your claim, but this is where many policyholders run into difficulties. The insurance adjuster’s job is to review claims and decide whether or not to pay them—in other words, the insurance company relies on this person to keep costs under control.
As a result, the adjuster is constantly looking for reasons to deny a claim, such as a lack of evidence that a covered incident caused the damage. In many cases, this lack of evidence can be corrected by submitting more documentation (usually photos or videos), but the policyholder may not know what to do (and the insurance adjuster probably isn’t going to volunteer that information).
This is only one potential problem. Another scenario we see frequently is the undervalued claim.
In this situation, the insurance company adjuster approves the claim but decides your damage can be repaired in a specific, inexpensive way that isn’t really the best solution. Then, they offer you enough money to cover that repair.
One example would be replacing a few ceiling tiles when the water damage has affected other areas, and only a complete ceiling replacement will solve the issue for good. If you go with the insurance company’s suggested repair, you may have more difficulties with your ceiling in a few months or years—at which point, the insurance company will probably say that the damage isn’t caused by a covered event and is not their problem.
These situations are further complicated because most people who aren’t home repair experts have no way of knowing they need a more extensive repair. And in some cases, a more minor repair might be sufficient.
It’s hard to know the difference, so you need help from an expert who works for you, not the insurance carrier.
A public adjuster doesn’t work for an insurance company, but they are available to assist policyholders who need a second (or first) opinion about their damage. Your public adjuster can help you with a water damage claim by:
Many people think only about repairing the immediate damage they see in front of them. However, there are a number of services you might not realize you need until later. These include:
Your water damage claims adjuster will review all these items and advise you about whether your insurance policy covers them. If so, the adjuster will work to ensure the insurance company covers these services as outlined in their contract.
Pinnacle Claim Services is always available to assist policyholders who have suffered a flood, hurricane, or other water damage. Our public adjusters are trained in recognizing and assessing all types of water destruction.
We’ll ensure you have an accurate estimate of not only what was damaged but also what kind of work is needed to restore your home or office building. Additionally, we’ll document the damage and provide any further information or evidence the insurance company requests.
Our trained adjusters are highly knowledgeable about Florida insurance laws, various types of water damage, and what insurance company adjusters look for in a claim. They are also licensed, bonded, and happy to discuss their qualifications.
Please call (321) 384-9379 today so we can help you get your claim settled and your building repaired.
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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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