Serving Palm Beach Gardens

Denied or underpaid claims are the sole reason public adjusters have been around for over 70 years. Unfortunately, in Florida this problem is getting worse every year. Just because your insurance company denies or underpays your claim does not mean it is over, a majority of our claims start out as denied or underpaid.

As a homeowner you have up to two years to reopen your claim from the date of loss. Since the average homeowner has a claim once every 25 years they are at a total disadvantage in understating or evaluating what their claim is really worth. At Capital Claims our experts know what the insurance company owes you and will write a comprehensive estimate to refute what they have estimated your damages at.

Living in Florida one would know how extreme our weather events can be. Whether it’s a hurricane, hail storm, or just a severe thunderstorm it can cause substantial damage to your home. Knowing what your carrier is responsible for paying is vital when handling these types of claims. If you’ve noticed missing shingles, broken tiles, or ceiling stains in your home you’ve most likely endured damage to your roof.

At Capital Claims we specialize in roofing systems and will be able to give you an honest opinion on whether or not you should get your insurance company involved.

Water damage to your home can come in various forms, and depending on the source it may or may not be covered. Our experts will supply you with the information needed to accurately determine how extensive it is and whether or not your carrier will cover it.

The most common forms of water damage stem from plumbing leaks or bursts, air conditioner condenser leaks, rook leaks, toilet overflows, and even window leaks. Having assistance in the early stages of the claim is crucial to make sure you are complying with the policy and not voiding your claim.

Additional living expenses or business interruption claims can be very hard to navigate on your own. If you have been displaced from your home because of a loss or your business has been unable to operate it can be difficult to calculate what it really costs.

Your insurance company owes for more than just temporary accommodations of like kind and quality, they also owe for things like eating out or increased travel expenses. Not only does this apply to a homeowner but this a lot of times also applies for your tenant in a rental property.

Vandalism and theft can be a very overwhelming experience, it’s an invasion into the place you should feel most comfortable, your home. Depending on the situation, vandalism can really affect your home or place of business. Most insurance policies cover this type of loss and it’s important to know what to claim.

Capital Claims will send an adjuster to your property to make a detailed report and list of damages not only for your insurance claim but for the police report as well.

With Florida’s high level of humidity it is the perfect environment for mold to grow. Living in a home with mold can lead to serious health issues and it needs to be addressed properly. The only proper way to address mold that’s on organic materials like drywall or wood is to cut it out. Many insurance companies will try to treat areas with mold, which will then have the possibility of coming back and leaving you with the long term issues.

Capital Claims works with many mold remediation companies who do not charge our clients for their services, and will make sure it’s taken care of properly.

Fire claims always need an expert to evaluate the situation because of all of the unseen damages to the naked eye. Whether it's a small fire or large fire the damages are typically very extensive.

The heat alone in the house can structurally affect things like drywall, wood, and appliances through thermal expansion that are not even burned. Also as the soot and smoke will travel throughout the house, and then will get behind the walls and in the A.C ducts. Smoke damage is very difficult to treat and if not treated properly the smell will linger for years.

Capital Claims is happy to give free inspections and evaluate if a loss is covered by your insurance company. If you have any questions about whether or not something is covered, that is what we're here for. Most policies in Florida are HO3 all peril policies and if it’s not specifically excluded it is covered.

Throughout the years our experts have seen almost every type of loss and no matter how strange a lot of the time it's covered. No matter what the insurance company says, always make sure to get a second opinion.