Hurricane Ian Claims. Click here to reach an adjuster or submit your claim to Pinnacle.

fishing pier in charlotte county
fishing pier in charlotte county
Charlotte County Public Adjuster

Charlotte County Public Adjuster

Every year, hurricanes and major storms decimate communities in Charlotte County and throughout Florida, most recently, Hurricane Ian. Any given storm has the potential to cause major structural damage to homes while significantly impacting interior living spaces. Remediating the damage as quickly as possible is a high priority, but the homeowner’s insurance claims process doesn’t exactly make it easy.

pier in Charlotte County Florida

But you have an ally in the process. Pinnacle Claim Services does make it easy for you to receive the benefits you need! We work directly with you and negotiate with insurers to seek maximum coverage for all your losses. Many homeowners are unfamiliar with the claims process and can feel stressed or overwhelmed. We’ve handled thousands of claims and can’t wait to help you with yours!

Receive a free consultation, which includes a damages inspection, policy review, and claims review. We want to help you recover faster and get more money to put your life back in order. Call 877-70-CLAIM or contact us online to schedule your free appointment today.

Sunny Days, but Also Frequent Storms in Charlotte County 

First established in 1921, Charlotte County has a rich history as an idyllic settlement for southwest Floridians. The Old Charlotte County Courthouse showcased iconic Classical Revival architecture when built in 1928. It was lovingly restored following severe damage inflicted during the landfall of Hurricane Charley in 2004.

Punta Gorda, the county seat, also features an original bungalow built in 1925 by Joseph Blanchard, a Black sea captain and fisherman. The building since became the Blanchard House Museum, which hosts tours as well as Black American historical memorabilia from across southwest Florida’s history.

With four libraries, seventeen public schools, and campuses for both Southern Technical College and Florida SouthWestern State College, the county remains invested in the education of its residents.

The location of communities in Charlotte County provides them with great year-round temperatures and easy access to water recreation. Charlotte Harbor Preserve State Park provides 46,000 acres of islands, estuaries, and natural bird habitats to explore. 

At the same time, the location of Charlotte County makes it extremely vulnerable to major storm activity as well as torrential rains and other severe weather.

Charlotte County Has a History of Horrific Hurricane Damages

Lying next to the Gulf of Mexico in a prime path for major Atlantic storms, Charlotte County is extremely vulnerable to hurricane activity. Most notably, Port Charlotte was the entry point for Hurricane Charley, a Category 4 storm, back in 2004.

Punta Gorda was hit directly, leveling historic homes and severely damaging local schools. Hundreds of homes in the area were flooded. 1.4 million people across the state were evacuated, and 2 million people lost power. Four deaths occurred in Charlotte County: 14.8% of the 27 deaths that occurred in Florida. The event would inflict $15.4 million in damages.

Other storm events have pockmarked the area’s history. Floods stemming from storm surges in Charlotte Harbor are extremely common. The area is known to flood even in periods of excessive rainfall, such as in June 2003.

Hurricane Irma was the last major hurricane to hit the area, but the impacts of major storms are often felt as rainfall increases and water drains from the surrounding counties towards the Gulf.

Anyone who has experienced damage to their home as a result of Hurricane Ian or other major storms and severe weather in the area must rely upon their insurance policies to help recover the funds needed to repair the damage. Pinnacle Claim Services can assist you with all steps of the claims process, including helping you find reputable repair services and providing you with a full, accurate assessment of all covered damages.

What Do I Do After My Home Is Damaged by Storms in Charlotte County?

Your home is one of your biggest investments and the place that provides you with safety and peace of mind. When their home is damaged, families have trouble sleeping easy at night — both literally and figuratively. That’s because the damage disrupts their lives, sometimes even risking their own health and safety. Families need a safe place to stay and a plan for getting repairs underway as soon as possible.

Insurers Won’t Always Cut You a Fair Price on Benefits

Most homeowners and property owner’s insurance policies are supposed to provide coverage for:

During storm events declared as a state emergency, insurance carriers are supposed to provide policyholders with protections, including timely response and benefits that accurately reflect the cost of home repairs. 

Unfortunately, insurance companies may not handle your claim with the care and speed you need to get back into your home safely. They may undervalue your claim, deny coverage for specific damages, delay the claims process, or fail to offer benefits to which you should be entitled under your policy.

Pinnacle Claim Services works on your behalf — not on behalf of insurers! We know that you need to get your home fixed fast so that you can stop worrying and return to normal life. The days and weeks following a storm are stressful enough, and you have your loved ones to care about. Let us help to get the insurance benefits you need.

Pinnacle Claim Services Process

We act fast after a major disaster. Our trusted Charlotte County Public Adjusters come directly to you. When you work with a Pinnacle Claims agent, you can know that you’re in good hands. Our agents will provide: 

1. Damages Inspection

A comprehensive damages inspection is critical to getting an accurate quote for repairs. Homeowners need to be cautious to capture the full scope of the damages as well as document their likely cause. Any mistakes during this assessment phase could provide insurers with cause to attempt to deny coverage. For example, they may allege that certain water damages were caused by flood waters rather than structural damage to roofs and windows. 

Having an experienced inspector from Pinnacle enables you to fully document the damage through written accounts, photos, and video. We also help you provide justification for your claim with the most-likely source of the damage.

2. Storm Remediation Assistance

Remediation services help protect the structure of your home while reducing the potential for further damage. Examples include boarding up broken windows and covering damaged roofs with adequate tarping. 

We help you assemble a game plan for remediation and can even recommend local contractors in your area to help stymie further damages while you wait for full repairs.

3. Insurance Policy Review

Do you know what your insurance policy says? Many homeowners do not, or they are unclear on specific wordings within the language. Policies are supposed to be written in a clear way, but they are often complex. Deciphering what coverage should be available for what events can become a challenge. 

With a Pinnacle Claim Services representative, you can review your policy from front to back in order to completely understand what benefits you should be able to seek.

4. Claims Review

Insurance claims are legal documents that require a level of care and precision to complete. Small mistakes could lead to a reduction in coverage or no offer of certain benefits to which you could be entitled. In extreme cases, your claim could be denied entirely or delayed until questions can be answered. 

Pinnacle Claim Services assists you with the claims process and can review your claim prior to submission. We know the types of evidence and reasonings for claims that insurance companies look for. We can help you avoid common mistakes and raise the chance that you will receive all the coverage you need that is available under your policy.

Cities Served in Charlotte County

  • Punta Gorda
  • Charlotte Harbor
  • Charlotte Park
  • Cleveland
  • Englewood
  • Grove City
  • Harbour Heights
  • Manasota Key
  • Port Charlotte
  • Rotonda
  • Solana
  • Boca Granda
  • Cape Haze
  • Deep Creek
  • Little Gasparilla Island
  • Murdock 
  • Placida

Reach Out to an Experienced Charlotte County Public Adjuster

Don’t wait any longer than you have to in order to receive coverage to put your life back in order. When your home is damaged and you are worried about having to handle insurance claims on your own, breathe a sigh of relief because help is on its way. Pinnacle Claim Services will arrive quickly and walk you through every part of the process to ensure you have every chance possible at getting the benefits you need.

You won’t be charged anything upfront, and you only pay us when you get a settlement from your insurance company. There’s no risk to you and many benefits to getting help from people who have filed hundreds of claims before.

Call 877-70-CLAIM or contact us online to schedule your free initial appointment. Get a free damages inspection, free policy review, and free claims evaluation when you reach out to us today.

Firm License # W806323

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.

FREE 3 STEP PROCESS

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!

1

Damage Inspection

Damage Inspection

2

Insurance Policy Review

Insurance Policy Review

3

Insurance Claim Review

Insurance Claim Review

General 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 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 Deerfield Beach!

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.
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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

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.