There are many factors that go into filing a successful property damage claim. Sometimes, just one misstep can cause you to leave money on the table.
The claims process is lengthy, and some aspects involve extensive knowledge of insurance policies. An average policyholder may not have a comprehensive understanding of insurance claims, but a public adjuster does. You’ll get advocacy, resources, and assistance through the entire process when you work with a Volusia County public adjuster like a member of our team at Pinnacle Claim Services.
Our public adjusters are experienced with all of the tactics used by insurance companies to undervalue their policyholders’ claims and convince them to settle for lowball offers. We’ll work hard and act fast to protect your property, but all you have to do is call. We’ll send a public adjuster in Volusia County quickly to your home to perform a damages inspection, review your policy, and evaluate your claim.
We have live claim experts available anytime you’re ready! Call (877) 70-CLAIM or contact us online to talk with a trusted member of our team.
The diverse county of Volusia, seated right above Orlando, is a growing community of over 500 thousand residents, with the population steadily increasing over the last decade. The area offers a hometown feel with the exciting and wide range of attractions that you’d find in a big city.
Home to some of Florida’s largest corporations like Nascar and Speedway, Volusia county is a booming business and tourist hub, making the county a large economic contributor to the state. Natural beauty sits right in the backyard of Volusia’s famous waterfront Floridian architecture, and with well-known Daytona Beach so close, there’s an adventure for every outdoor lover!
This quiet and charming community still sits in one of the nation’s biggest natural disaster zones: Florida. This, unfortunately, means that the county is all too experienced with natural disasters hitting the coastline and raiding local communities. The county has a moderately high disaster risk of 60%, with over 95% of the county’s blocks being potentially exposed to coastal flooding.
Volusia County has reported 29 disasters over the last two decades, with most of those being related to hurricanes. Most recently, hurricanes Dorian, Isaias, and Ian affected the communities of Volusia County. 65% of the county has a moderate or high risk for wildfires, but thankfully the most recent fire was over a decade ago, in 2007.
Property insurance is not required by law, but it is advisable to have it in Florida. Most home lenders require it while the borrower is paying off their mortgage.
Considering the moderate to high risk of natural disasters in many Florida counties, most homeowners find that it’s better to be covered than to pray for luck.
Every insurer is different, and all policies are unique, but there are general categories of damages that you should have some amount of coverage for.
Traditional homeowners’ and property owners’ insurance policies cover:
While you may be covered to an extent, do you know where your coverage ends and out-of-pocket expenses begin? Are you covered for prolonged damage or unique events? A public adjuster from Pinnacle can answer all of these questions, and more, when we conduct a review of your policy and coverage areas.
One of the key services of a public adjuster is to highlight any hidden benefits that your insurer “didn’t notice.” Our thorough policy and claims reviews ensure that every bit of coverage is sought after in your final submitted claim. We will deep-dive into the contents of your insurance policy and claim, compare your damages to your coverages, and present our findings to your insurance representative during negotiations if they failed to offer an accurate settlement.
The main objective of a public adjuster is to protect policyholders from being taken advantage of. All too many property owners settle for lowball offers that do not reflect the benefits they pay for.
Upon engagement, Pinnacle sets to work helping you. We gather data, review all important information, and then assist policyholders through negotiations, employing the concrete evidence we collected during the investigation phase.
You can count on a public adjuster in Volusia County to assist you when you feel confused, overwhelmed, or undervalued by your insurer — we’ll be there to help! A public adjuster can assist you through the process of managing property damage claims, so you don’t have to scramble through the steps blindly.
Our skilled public adjusters have many years of experience helping families in the Volusia area settle their property damage claims, and we’re excited to serve you too! Our services come with resources and protection. We want you to be able to walk away from your claim feeling confident that your settlement reflects the coverage you pay for every month. You shouldn’t have to journey through the claims process by yourself; let a Volusia public adjuster like our team at Pinnacle help!
Our trusted public adjusters can help you get the most out of your property damage claim related to any of the following:
One of the most difficult parts of the claims process for many policyholders is negotiating a fair settlement with the insurance representative. This is where you must present evidence that backs up any demands for a higher settlement, countering lowball offers with more data from your own policy and claim. A lot of policyholders don’t have the experience to successfully advocate for their own claims, but our public adjusters at Pinnacle have seen hundreds! We can help you with pointers and support throughout every step of the process.
Your insurer will have a professional come out to inspect your property’s damages, but our offices will conduct an independent investigation of your property to gather data and compare it with the conclusions of your insurer. This additional set of professional eyes at the scene of the property damage will help every party involved paint a clearer picture of the events, avoiding misunderstandings or the risk of overlooking subtle damages.
We understand how overwhelming and conflicting it can be to hire the right restoration team to fix your home. With so many options and no effective way of screening their skills, you may be left to take a shot in the dark. Our offices have spent years building close professional relationships with many restoration teams with various specialties across Volusia County. We’ll never recommend a team that we don’t trust to treat our clients with the same care that we do.
You don’t have to worry about up-front payments with Pinnacle. Our services are risk-free, with a $0 upfront cost, meaning that we don’t make a dime until your claim has been settled. Our only compensation is a small and agreed-upon percentage of your final settlement, so you’ll never be surprised by hidden fees or extra charges.
There are a few things that you can do on your own as the policyholder to protect the validity of your claim.
During the investigative portion of the claims process, your insurer may try to claim that you neglected to care for your property resulting in damage, or any other narratives that they can cling to in an effort to avoid paying out the full value of your damages. This is why taking every measure you can to prove the validity of your claim is essential.
One of the best things you can do for your claim is to thoroughly document, time stamp, and photograph all damages. Make sure you include damages to your personal items, appliances, and the structure of your home. You’ll want to keep this list organized and present a copy to both your insurer and public adjuster.
If you dry out flooded water, shut off your home’s water supply, or patch up holes in the foundation of your property in an attempt to prevent further damage, make sure you document those attempts. By proving you took all reasonable efforts to mitigate damage, you can stop claims of neglect and ignorance of the care of your property. Yes, your insurer may try to claim that you aren’t taking care of your home, so don’t give them a reason to!
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.
Professional assistance can go a long way in such a delicate financial matter, and our claim experts are available 24/7 to help you get started.
A public adjuster is the only adjuster licensed by the state of Florida to represent policyholders through this intricate procedure because of our extensive knowledge of the claims process. We’ve supported hundreds of Floridians just like you to protect your assets, and we want to do the same for you.
Our team members are standing by! Call (877) 70-CLAIM or contact us online to speak with a member of our team today.
Living in South Florida, we are no strangers to natural disasters.
LET US PERFORM A FULL REVIEW OF YOUR INSURANCE POLICY TO MAKE SURE YOU HAVE THE CORRECT COVERAGE!
Damage Inspection
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Insurance Claim Review
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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