If your property suffers damage due to a hurricane or any other catastrophic weather event, you may have several problems to solve.
Where are you going to stay? How can you get your damage repaired? Will the insurance company cover all your expenses? What if your claim is denied?
Without the guidance of an experienced professional, you could find yourself spending considerable time filing an insurance claim without results. In some cases, you might receive an offer for less than you expected, or you may even receive a claim denial from the insurance company.
Our primary job is to meticulously assess all the damage stemming from the weather event and then assist you with documenting and filing the claim. This includes noting details like exposed nails, shattered windows, loosened or missing shingles, clogged or hanging gutters, fencing, or window screen enclosures.
Our public storm damage claims adjusters know what to look for in each situation and will carefully photograph all damage, big or small. This allows us to build a solid basis for your claim and improve the likelihood that it will be approved.
Yes, every claim is assigned to an adjuster at the insurance company. The difference is that the insurance carrier’s adjuster is focused on saving the company money.
In evaluating your claim, they will look for any reason to reject it based on the many specifications of the policy. If they can’t find any, they may approve paying to fix your damage in the most inexpensive way possible.
Sometimes, that’s all you need—but in other cases, the cheap solution isn’t the best, and you may have further problems.
On the other hand, a public adjuster works for you, and their goal is to ensure you receive the compensation you deserve from the insurance company—while the insurance company adjuster’s goal is to ensure you receive as little compensation as possible.
Weather damage can lead to all sorts of problems, and our public adjusters are experienced with all of them. Here are some of the more common issues we evaluate:
Hurricane insurance is essential in Florida, but people often have concerns about cost. It’s important to understand that different insurers may have slightly higher or lower prices, but there could also be differences in coverage, so you should read any potential policy carefully.
Most homeowner’s insurance policies will include some type of hurricane coverage, but you will need to buy flood insurance separately. If you consider the cost of both types of insurance, hurricane coverage averages around $2,555 a year.
You may be able to get that cost down with a higher deductible, but then you will also pay more before your insurance kicks in if you have hurricane damage. For this reason, a lower-premium policy may sometimes cost you more in the long run.
Most policies will cover losses sustained due to rain, wind, hail, or flying debris. However, many individual policies add a deductible or require you to pay extra for damage explicitly caused by a hurricane as opposed to a regular rain storm.
Your public adjuster will review your policy and help you understand what is and isn’t covered.
It depends on how the loss occurred. Renter’s insurance will usually cover damage from rain and wind but not flood or storm surge damage, and you can buy additional policies to cover these situations.
Typically, issues like internal leaks or rain damage will be covered, but you will need to check your policy to be sure. One piece of good news is that, unlike homeowner’s insurance, renter’s policies usually don’t require a specific deductible for hurricane damage.
Note, however, that you will still need to pay the standard deductible for the policy, which is often $250 or $500.
A local claims adjuster can usually visit your home or office building quickly, while your insurance company adjuster might keep you waiting for several weeks. We know that you need to get back into your home or building as soon as possible, and we’ll make it a priority to send someone out as fast as we can.
Once your public adjuster arrives, they will perform several services designed to help maximize your insurance settlement:
After any natural disaster or weather damage event, Pinnacle Claim Services is always ready to assist policyholders with assessing, documenting, and seeking compensation for their storm damage. Please contact us at (321) 384-9379 right away for a free inspection and policy review.
There is no obligation, and if you retain our services, we won’t charge you anything until we successfully settle your claim.
Pinnacle Claim Services only uses licensed and bonded public adjusters who are experienced in a broad range of weather damage and other types of home or office losses. Our adjusters are highly trained and stay up to date on the latest trends in the insurance industry and weather repair.
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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THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.
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