Do you know where to turn after your home has endured some type of property damage? Your first thought might be to talk to your insurer. While that is a crucial first step, what happens after? Where do you turn should your claim’s value not cover all of the needed repairs?
Aside from insurance companies, there is a whole realm of resources for policyholders to take advantage of, but you’ll need the right team on your side. A public adjuster in Orange County can help.
A public adjuster is a licensed professional that specializes in recovering hidden benefits and sussing out the fine details of property damage claims to ensure that policyholders aren’t being taken advantage of. Often, an insurer will offer a jaw-droppingly low settlement in the wake of a home disaster, and the policyholder doesn’t know how to react. You may be able to negotiate more, but do you really know everything your claim is worth? An Orange County public adjuster can help!
Our experienced team at Pinnacle Claim Services has specialized knowledge and training, leaving us prepared for whatever your insurer might throw your way. We have live claim experts available to help you get started with a free consultation, including a free damage inspection, free claim review, and free insurance policy contract review. Call (877) 70-CLAIM or contact us online today to speak with a member of our team!
Orange County is considered the 5th most populated county in the state of Florida, with just under 1.5 million residents. You’ll find an exciting and lively community in Orange County because of the dense population and tourist traffic.
The county is also a magical destination, home to the happiest place on earth: Disneyworld! Orlando is theme park central, with Universal Studios, Sea World, and other parks right next door. Aside from mickey mouse-shaped pretzels and exciting attractions, you can find a plethora of activities — like scenic lakefronts, parks, and zoos — throughout Orange County.
Unfortunately, Florida endures adverse weather frequently, often with many disasters in the same year. Orange County is no exception. It has seen more than its fair share of hurricanes, tropical storms, and other extreme weather in recent years.
In fact, Orange county has declared 25 disasters over the last 20 years, most of which are hurricane-related. Some of the most recent are disasters related to hurricanes Irma (2017), Dorian (2019) Isaias (2020), and Ian in (2022).
Thankfully, because Floridians and our businesses understand the risks posed by hurricanes and tropical storms in our communities, we’ve built strategies and resources to protect each other in stressful times.
A public adjuster’s sole responsibility is to the policyholder, our client, whom we represent and advocate for. Your insurance representative can’t say the same.
When you go to your insurance representative for guidance, they may or may not offer valuable resources. They are also not required to help you understand the finer points of your policy, including benefits you may be missing out on. While evaluating your claim and determining the right amount of damages to cover, insurance company employees may also err on the side of their own financial interests. Representatives have an obligation towards the financial goals of the company. A public adjuster’s only goal is to help policyholders walk away from property damage claims with a fair and satisfying settlement.
Our trusted public adjusters are equipped to help policyholders through various types of property damage, like:
Your insurer is the first place to go for restitution and remediation for your losses, but they are far from the last stop. There are many other resources available to you, some of which we will list below, as well as the possibility of having the services of an Orange County public adjuster at your disposal.
A home is typically one of the biggest investments a person will make throughout their lifetime. Insuring that asset is a crucial part of property ownership, especially in a state where severe weather damage is so common.
Every month, you pay a premium for coverage specialized to your needs, and you deserve to be able to use those benefits when applicable.
Unfortunately, insurers are notorious for undervaluing claims. That puts you between a rock and a hard place. Without the full benefits needed to repair your home, you may be left in a precarious financial position.
But you already have so much else to worry about! How are you supposed to add ‘learn insurance lingo and fully comprehend the details of insurance coverage to your to-do list, especially after the initial shock of property damage? That is the situation insurers count on when undervaluing your claim. Fortunately, our services are here to combat tactics that leave policyholders feeling ill-represented.
You are likely to have questions, concerns, and even fears during a complex situation like a property damage claim. That’s why our team at Pinnacle is transparent about our process and how we can help. We want policyholders to feel more comfortable with the claims process. We’ll take the time to offer advice, assist you with your claim where applicable, and provide resources and advocacy until your claim is settled.
We act fast, so the minute you call us, we’ll jumpstart the chain of action by scheduling a free consultation. A public adjuster in Orange County will come promptly to you to help. During this initial meeting, we’ll want to learn more about the unique details of the damage and the general event, then assess our best approach to help you move forward.
We will conduct an independent investigation of the property and all damages endured, gathering data about said damages to compare with your policy and claim. This independent inspection gives our team a better understanding of the damage and the needed benefits for repairs. Our expertise adds another set of professional eyes in addition to any inspector hired by your insurer.
Our team of Orange County public adjusters has extensive experience with insurance claims. We can highlight the benefits hidden within policies that may help secure a more accurate settlement. We will thoroughly inspect the details of your policy and claim to compare your coverage to the damages. We’ll then put together an accurate estimate of what you should be expecting to recover.
We will take all of our findings from the inspection and data review to the negotiations table with your insurer. This is when we can help you combat any lowball offers. We’ll present our organized evidence in an attempt to raise your claim value and seek all the benefits possible.
Policyholders that work with public adjusters are more likely to receive a higher settlement because of our ability to find, present, and fight for coverages that you pay for and deserve to use.
There are some steps you can take, independent of any third-party resources, in an effort to protect the validity of your insurance claim. These steps will help both your insurer and a public adjuster to understand and assess the true measure of the existing damages.
After you’ve dealt with the initial shock of property damage, it is time to go in and document everything. Every personal item, appliance, or part of your home’s foundation that was damaged should be documented with a photograph and notated on a list. This documentation will be a great resource for your public adjuster. It is also an essential task to complete for your insurer, as they’ll need a full accounting of everything that you’ve lost and the full damages your home has suffered.
Along with documenting the damages, you should document any attempts to mitigate damage. Shutting off the water, drying out water damage, or boarding up patches in the wall are great attempts to mitigate damage. These efforts can help prove to your insurer that the damages inflicted on your home were not made worse by neglect. While you aren’t expected to enter an unsafe property or handle complicated repair matters yourself, you are expected to take reasonable steps to prevent further damage from occurring.
Extreme weather can be really scary, especially if you are ill-prepared. Fortunately, the state of Florida has many resources for citizens to take advantage of in such stressful and sometimes dangerous times.
You shouldn’t have to journey through the process of a property damage claim by yourself. We know that your home is a part of the family, which is why we’re here to help you protect it. Our live claim experts are available 24/7, so we’ll be here whenever you’re ready. Call (877) 70-CLAIM or contact us online to speak with a member of our trusted team and get started with your free consultation.
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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