boca raton at night
boca raton at night
Boca Raton Public Adjuster

Boca Raton Public Adjuster

Damage to your home or commercial property can disrupt your life, and getting it repaired as soon as possible is essential. Unfortunately, some policyholders find that their insurance company doesn’t respond as promptly as needed, or they may receive less money than expected. It can also be difficult to know if you’ve received a reasonable amount from the insurance company if you are not an expert in repairing this type of damage. For all of these reasons, you may be wondering if hiring a public adjuster would be helpful.

What Does a Boca Raton Public Insurance Adjuster Do?

A Boca Raton public adjuster will visit your property to survey the damage and create an itemized estimate of what must be done to repair it. But you might think, “Isn’t that what my insurance company does?”

Indeed, your insurance company will also send out an adjuster to estimate your damage, and then they will use that estimate to decide how much to pay for your claim. But there is a big difference between the insurance company’s adjuster and a public adjuster: The insurance company’s adjuster works for the insurance company, not you. Their job is to minimize costs for the insurance company, not you. This can lead to some difficulties for many property owners:

  • The insurance company may underestimate the extent of the damage or what it will cost to fix.
  • The insurance carrier might be willing to pay for an inexpensive repair when what the situation calls for is a full replacement – a new roof, new siding, etc.
  • In some cases, the insurance company might deny the claim outright. Common reasons include claiming the damage is superficial or caused by normal wear and tear instead of a covered incident like a fire or storm.

Conversely, a public adjuster works for you, not the insurance company. A Boca Raton insurance claim review includes a careful examination of damage and an estimate of what needs to be done and how much it will cost. This will be submitted to your insurance company for approval, with documentation such as photos and the public adjuster’s report. Through their experience and knowledge, the public adjuster should include enough evidence to improve the chances of your claim getting approved.

Your public adjuster will also discuss the claim with the insurance company and negotiate with them as needed. That means you can go back to having lunch during your lunch break instead of sitting on hold with the insurance company or trying to submit photos and other evidence on  your own.

What Kind of Insurance Claims Can a Boca Raton Public Claims Adjuster Help With?

At Pinnacle Claim Services, we can help with a wide variety of home or commercial property damages, including these everyday situations:

  • Hurricanes or storm/wind damage. There are multiple ways to experience damage from severe storms or hurricanes. Strong winds can damage the outside of your home or building, tearing off shutters or hurling debris at the windows and walls, while flooding is also a common problem. But the immediate damage isn’t the only thing you need to worry about. Sometimes this damage leads to other problems, like leaks, busted pipes, and mold, which may not be evident to you right away. Your public adjuster will carefully study the damage to look for these issues, ensuring your claim will cover all the needed repairs.
  • Hail storms. These can cause damage in all the same ways as regular rain storms, but with the addition of ice chunks slamming into your building. In some cases, these ice chunks may be as big as grapefruit (although smaller sizes are more common). Hail season is between March and July, with the most activity in May. When a hail storm hits your home or office, damage can occur quickly, and the evidence (ice chunks) often melts just as quickly. It’s common for hail storms to damage roof tiles, sometimes to the point that a replacement roof is necessary. Your public adjuster will identify damaged areas and the best repair solutions.
  • Fires. There are many potential causes of home or office fires, and even with quick intervention, the flames can damage walls, furniture, and fixtures in a hurry. If the blaze continues for a little while, the whole building could be a total loss. Even if the damage is less extensive, you might have hidden problems, like water damage from sprinklers or a fire truck hose. In some cases, the water used to suppress the fire causes even more damage than the fire itself. Your public adjuster will not only survey the obvious fire damage but also search for signs of water damage or mold so these can be addressed.
  • Vandalism. Sometimes your home or office may be targeted by vandals or burglars. Commonly stolen items include jewelry, electronics, apparel, and furniture. Or, vandals  may have simply damaged the building, such as breaking a window, spray painting the outer walls, etc. An experienced public adjuster will ensure no damage is missed when compiling a report.

How Can You Find the Best Boca Raton Personal Claims Adjuster for Your Claim?

There are several essential qualities you should look for in a public adjuster:

  • The public adjuster should be appropriately licensed
  • Experience and knowledge are also essential when choosing a public adjuster. It’s a good idea to ask the adjuster how many similar cases they’ve handled, how long their firm has been in business, etc. The more knowledgeable and seasoned the adjuster is, the better equipped they will be to identify your damage and write a compelling claim for the insurance company.
  • Good references and reviews also provide clues that your adjuster will do the job well. Look up the company on sites that offer consumer reviews and read what other people have to say. Pay attention to the quality of the reviews – if many of them seem similar and vague, you might want to ask around to see if any real people have used the company.

Do I Have to Argue with the Insurance Company?

No. We don’t recommend doing that. We do understand how frustrating it is when the insurance company offers you less than you believe your claim is worth or denies it out of hand. But when policyholders negotiate with the insurance company, they are often at a disadvantage – the insurance adjuster is extremely knowledgeable about the type of damage and all the loopholes that allow the insurance company to pay as little as possible (or nothing). They also make a habit of recording conversations with policyholders (you will be informed of this, often with an explanation about “quality control”) and then misconstruing what the policyholder says.

Fortunately, your Pinnacle Claim Services public adjuster is experienced in dealing with insurance companies and is well-versed in many types of property damage. We can negotiate with the insurance company to get you the best possible settlement for your damage.

A Boca Raton Public Adjuster Knocked on My Door to Sell Their Services. Is This a Scam?

Not necessarily, but you should perform due diligence before signing a contract with a door-to-door solicitor. This practice is common following disasters such as hurricanes and major storms. Here are some tips to keep in mind:

  • Under Florida law, public adjusters can solicit between 8 AM and 8 PM, Monday through Saturday. They should not bother you at other times.
  • Many door-to-door solicitors represent legitimate companies, but you should check their licensing status and read reviews before agreeing to hire one.
  • You can negotiate if you feel the fees are too high. It’s important to know that Florida law limits fees to 20 percent in most situations and 10 percent for damage occurring due to a situation the governor has declared a state of emergency. If a solicitor asks for more than these amounts, they are probably not the right person for the job.
  • A public adjuster cannot legally charge you fees for any insurance payment you received before signing a contract with the adjuster. If they recover more money for you, they can charge you fees for that amount.
  • If you already signed a contract with a public adjuster but now feel that you were rushed into the decision, you have a legal right to cancel within ten days.

How Can a Boca Raton Insurance Claim Services Public Adjuster Help Me?

Our Palm Beach County public adjusters are all licensed, insured, and experienced enough to evaluate a variety of property insurance claims and negotiate the largest settlement possible. We have the knowledge to get you the settlement you need, and our staff is always available to provide a free quote. Please contact us today to learn how we can help with your claim.


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!

Trust Pinnacle Claim Services, Inc: Your Local Top-Rated, Licensed & Insured Public Adjusters in Boca Raton!

Dale GorchoffDale Gorchoff
15:17 18 Jul 22
Positively amazing results from Pinnacle Claim Services. The diligence and professionalism from our exceptional adjuster and the superb support staff facilitated an unexpected outcome better than we could have ever imagined. Sincere thanks to everyone at Pinnacle for being there when we needed them. We would recommend Pinnacle for adjuster services without reservation.
Matida YoungMatida Young
09:10 07 Apr 22
The company done an outstanding job in getting a settlement for me. Without Brad and staff workingDiligently I would of got nothing. Brad PittmanPull the necessary sources to help me which IWill never forget. That is fighting for his clients.I was treated with respect and informed of everyDetailed steps in which I received more than 100%Satisfaction. There is no doubt in my mind I wouldUsed there service again again. And highly recommend my friends.
Denise AdamsDenise Adams
12:23 28 Mar 22
Thanks to Euton and Lori for all the help with my claim. They kept me informed continously check in with me regarding the claim. This company was awesome and I would and have been recommending Pinnacle claims to others. Great job.
Michelle TullochMichelle Tulloch
18:33 24 Mar 22
I would like to say thank you to the outstanding team working at Pinnacle . From start to finish. Special thanks to Linda who held my hand, listened to me getting impatient, stressed and overwhelmed. It was always service with a smile. She followed up with issues involving my claim as she said she would. Had an issue with payout and I was not happy. Brad jumped in and helped to further resolve the issue with the Insurance Company. Pinnacle is about you getting your correct settlement. I will definitely recommend to family and friends. Thank you Pinnacle family. I was truly blessed to have your firm represent me .
Tabitta MichelTabitta Michel
19:35 08 Feb 22
Thank You Linda.I was lost I did not know what to do with the issues I had with my claims with another company. And you took the time to help me find some answer I truly appreciate that. I would recommend my family and friends to the Pinnacle. A friend had referred me he was right.
Marie JacquesMarie Jacques
17:45 18 Aug 21
Everyone was professional.We initially started with Brad whom is very patient and attentive to every word and he extended our expectation. Miss Linda always so kind and respectful, she made sure we understood the process and always communicated every step.
Judy BJudy B
15:48 03 Jul 21
I can't thank Brad Pridemore of Pinnacle Claim Services enough for his help with our insurance claim resulting from hurricane related roof damage.Not knowing how the claim process worked and dealing with serious medical issues, it felt amazing to have someone on our sidethat is knowledgeable, worked for us and our best interest!After suffering a loss, most insurance companies give you the run around. Upon hiring Pinnacle Claim Services they immediatelygot to work on our case, communicating every step of the way. Our insurance company managed to drag it out for months,with a variety of moves intended only to delay, delay. None of the delays were Pinnacle's fault. In the end, Brad was able to get the insurance company to settle, we got a new roof and we couldn't be happier.Their fees are fair and we really appreciate all their efforts.If you find yourself in the situation that your home has been damaged, do yourself a favor and give Brad a call, you won't be sorry.Just remember, it can be a long process, but in the end it's worth the wait.I would highly recommend talking to and hiring Pinnacle Claim Services.Thank you Brad. You've been a lifesaver!
Javier GoodJavier Good
17:33 15 Feb 21
The team at Pinnacle Claims exceeded my expectations. Tom came in after my insurance company had settled a total of $9,829 for covered damages to my home, and he, Monica, Brad and Pat were able to get me another $15,530 after their fees, for a total insurance claim settlement of $25,359 so that I could fully repair the covered damages in my home the right way. They were very good at keeping me informed of the progress of the negotiated settlement, and educated me about the process and the law. Thank you Pinnacle Claims!!
Abigail BineyAbigail Biney
15:30 11 May 20
Pinnacle Claim Service, did a phenomenal job helping me with my roof claim, it was a long process but they were on top until the last .I can't thank them enough. Brad is some one who knows his job and does it well. They stay on top of everything and I don't have to tell them. Before you ask, it already done it. Thank you Brad, Any the way, I'll will recommend this Pinnacle to friends and Love ones.
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