Miromar Lakes Public Adjuster

A public adjuster in an office discussing a client's insurance plan with them, and with a model house in the foreground.

Miromar Lakes is often recognized as one of the most beautiful communities in Southwest Florida. Boasting everything from pristine golf courses to 700 acres of gorgeous freshwater lakes, it’s safe to say that there’s plenty to love about this elegant landscape. 

But, with sprawling acres of lakes come plenty of opportunities for floods, storms, and other natural disasters. 

That’s why it’s so important for residents to understand their rights when it comes to insurance claims. That said, even with a well-earned understanding of your own insurance policy, it would be difficult for most policyholders to boast a full grasp of the complicated laws that govern insurance companies. That’s where a public adjuster comes in. 

These professionals help policyholders file stronger insurance claims to ensure that they can receive all of the funds they desperately need to repair or rebuild their homes. They can even help you appeal a denied claim or lowball settlement and negotiate on your behalf with intimidating insurance companies. 

So don’t hesitate to reach out to the Pinnacle team today. To speak with one of our expert public adjusters, call (954) 466-2954 or contact us online to begin your initial consultation. At Pinnacle, we’re here to help you and your family rebuild as quickly as possible. 

Insurance Considerations According to Miromar Lakes Public Insurance Adjusters

When purchasing homeowner’s insurance in Miromar Lakes, Florida, there are several additional considerations to keep in mind. Homeowner’s insurance policies in Florida must provide coverage for certain perils like hurricanes, floods, and sinkholes that may not be included in standard policies offered in other states.

Hurricane Coverage 

Homeowner’s insurance policies in Florida are required to provide coverage for damage from hurricanes and tropical storms. However, there are limits on the amounts that will be paid out for hurricane damage, and some policies may require residents to pay a designated Hurricane Deductible. 

A public adjuster can help determine appropriate coverage limits based on the specifics of your home and location.

Flood Insurance 

Standard homeowner’s insurance policies do not cover damage from flooding. Residents of Miromar Lakes will need to purchase separate flood insurance to cover this risk.

Flood insurance is provided by FEMA’s National Flood Insurance Program. A public adjuster can help you navigate the flood insurance claims process in the event of flood damage.

Sinkhole Coverage 

Due to the underlying limestone bedrock, sinkholes are a risk for property owners in Florida. Sinkhole coverage will provide insurance benefits if damage occurs from sinkhole activity.

Whether sinkhole coverage is right for you depends on the location and specifics of your property. A public adjuster can review your policy details and location information to determine if sinkhole coverage would be beneficial in your situation.

Past Natural Disasters in Miromar Lakes, Florida

Miromar Lakes has long endured damaging hurricanes and storms that cause costly property damage to local homes and businesses. Residents who lived through events like Hurricane Charley in 2004, Tropical Storm Gabrielle in 2001, or even Hurricane Irma in 2017 understand the struggles that come with filing a complicated insurance claim.

That said, hiring a public adjuster can help simplify the process. Public adjusters are licensed professionals who represent the policyholder, not the insurance company and are well-versed in Florida’s insurance laws and regulations, allowing them to evaluate damage, determine coverage amounts, and negotiate fair settlements on the policyholder’s behalf.

Moreover, according to Florida Statute 626.854, policyholders have the right to hire a public adjuster to help handle their claims. Public adjusters can inspect property damage, review insurance policies to determine what coverage may apply, help itemize losses, and negotiate a settlement with the insurance company to maximize the claim amount.

Insurance Claims With a Miromar Lakes Public Claims Adjuster

As a resident of Miromar Lakes, Florida, understanding your insurance policy and coverage options is crucial, especially considering the potential for natural disasters like hurricanes, floods, and wildfires in the area. In the event of damage to your property, you will need to file an insurance claim to recover costs, and the process can be complicated.

This is where working with a public adjuster may benefit you.

Some key points to know: 

  • According to Florida law, insurance companies must respond to claims within 14 days of receiving notice of loss. 
  • Then, they have up to 90 days to investigate and approve or deny the claim. 
  • If approved, payment should be issued within 20 days. 

Public adjusters help ensure insurance companies comply with these timelines and do not take advantage of policyholders, especially after a disaster when claim volume is high. They are also familiar with additional living expenses coverage and can help you recover costs for temporary housing or loss of use of your home.

Florida’s Post-Loss Assignment of Benefits Law

Florida’s post-loss assignment of benefits law allows policyholders to assign insurance claim benefits to third parties, such as public adjusters. 

Under this law, you have the right to assign your insurance benefits to a public adjuster to act on your behalf. The public adjuster can then handle all aspects of your claim, including: 

  1. Filing the initial claim and any other required paperwork with your insurance company.
  2. Conducting a thorough inspection of the loss or damage to your property. The public adjuster will carefully evaluate the extent of damage according to the Florida Building Code.
  3. Determining the value of your claim and submitting the necessary documentation to substantiate this amount to the insurance company.
  4. Negotiating with the insurance company on your behalf to obtain fair compensation for your loss. Public adjusters have extensive experience advocating for policyholders and seeking proper claim settlements.

Assigning your benefits to a public adjuster also provides several benefits:

  • It allows you to focus on restoring your property and daily life rather than dealing with insurance paperwork and negotiations.
  • Public adjusters have comprehensive knowledge of insurance laws and practices in Florida. They know how to leverage laws like the Florida Building Code to maximize your claim amount.
  • Insurance companies are often more willing to properly evaluate and settle claims when a public adjuster is involved. They recognize public adjusters will hold them accountable.
  • You will likely obtain a larger settlement through the help of a public adjuster. Their expertise and advocacy help ensure you receive the full compensation you deserve under your policy.

Statute of Limitations for Property Damage Claims in Florida

In the state of Florida, property owners have a limited window of time to file an insurance claim for property damage. According to Florida Statute 95.11(2)(b), the statute of limitations for damage to real or personal property is four years from the date the damage was discovered or should have been discovered with the exercise of due diligence.

If a resident of Miromar Lakes experiences property damage from an event like a hurricane, fire, or water leak but fails to discover the damage within four years, the insurance company is within its rights to deny any claim filed after that period.

It is in the best interest of property owners to conduct regular inspections and maintenance to ensure any damage is caught early. However, some types of damage can be difficult to detect right away.

This is why there are still a handful of situations in which you may be able to successfully file an insurance claim, even if the standard statute of limitations has expired. These include: 

  • Delayed Discovery of Damage: If the policyholder could not have reasonably discovered the damage until after the statute of limitations had passed, they might be granted an extension to file the claim. For instance, if there was hidden damage within a property, and it was only discovered years later when conducting repairs or renovations, the policyholder may have a valid reason to file a claim.
  • Contractual Extensions: Some insurance policies might include provisions that allow for contractual extensions of the statute of limitations. These extensions could be explicitly stated in the policy language, providing the policyholder with more time to file a claim beyond the usual limitations period.
  • Fraud or Misrepresentation: If the insurance company or its agents engaged in fraudulent or deceptive practices that prevented the policyholder from filing a claim within the statute of limitations, the court might grant an extension for the claim to proceed.
  • Disability or Legal Incapacity: If the policyholder was legally incapacitated or suffered a physical or mental disability during the statute of limitations period, the court might allow for an extension to file the claim once the disability or incapacity is resolved.
  • Continuous or Ongoing Damage: In some cases, property damage might be ongoing or continuous, and the policyholder might not realize the full extent of the damages until after the statute of limitations has expired. Courts may consider this continuous damage as grounds for extending the limitations period.

In any of these situations, filing a claim is going to be more difficult than usual. The insurance company may initially deny your claim, and your best chance of success is with a public adjuster who can appeal the denial and draw on their own legal expertise to advocate on your behalf.

Get a Miromar Lakes Personal Claims Adjuster to Maximize Your Insurance Payout

Whether you’re fully convinced you need to secure the help of a public adjuster or just want to learn more about how an expert can help you file your claim, reach out to our team today. At Pinnacle, we’re here to help, and new clients can get in touch with us today by simply calling (954) 466-2954 or contacting us online

Firm License # W806323


Get the Money You Are Entitled to From Your Florida Insurance Claim

Water Damage

Water Damage

When water damage occurs in your home, it is usually caused by a broken plumbing pipe. If not, then the leak may be due to a blockage in one or more of your pipes.

Mold Damage

Mold Damage

If you have mold growing in your home, it needs to be removed without delay, otherwise, it will grow and produce allergens, irritants and even toxic substances.

Fire Damage

Fire Damage

A fire can easily cause more damage to your property than you can ever imagine. In addition to the building going up in flames, the raw heat can be overwhelming, as well as the resulting smoke and soot.

Weather Damage

Weather Damage

If your property sustains hurricane or other severe weather damage, it’s crucial to have an expert working in your corner.


Living in South Florida, we are no strangers to natural disasters.


Damage Inspection

Damage Inspection

Insurance Policy Review

Insurance Policy Review

Insurance Claim Review

Insurance Claim Review

Insurance Claim Questions

How can Pinnacle Claim Services, Inc. help me?

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!

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About Us

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.

Firm License # W806323