cocoa public adjuster
cocoa public adjuster
Cocoa Public Adjuster

Cocoa Public Adjuster

A public adjuster provides an alternative to the insurance company’s adjuster when you need to make a property damage claim. Like the insurance adjuster, your public adjuster will inspect the damage, estimate the cost of repairs, and prepare and file a claim with the insurance carrier. However, the public adjuster works for you and represents your best interests, while the insurance adjuster is tasked with minimizing costs for the insurance agency. As a result, many people choose to consult with a public adjuster rather than relying on the insurance company’s adjuster.

Cocoa Public Adjuster

What Does a Cocoa Public Insurance Adjuster Do?

Here are some common situations where you might want to consider hiring a public adjuster:

  • You have complex or high-dollar damage to your property. Expensive damage is often underestimated by insurance company adjusters, or the adjuster might comb through your policy looking for loopholes to avoid covering some of the repairs. The public adjuster will carefully examine and document all your damage and the reason repairs must be completed in a specific way (such as the replacement of a whole unit versus one part). Next, the public adjuster will send this completed claim to the insurance company, then take responsibility for answering their questions and negotiating to get you the highest settlement available.
  • You and your claim don’t seem to be a priority for your insurance company. No one wants to feel like an afterthought, but sometimes your insurance company treats you like one. Clients have told us that they kept calling, and the insurance company put off sending an adjuster to look at the damage, or the adjuster came and they didn’t hear anything else for weeks or months. If the insurance company can’t be bothered to create an estimate in a timely manner, your public adjuster can and will do it for them.
  • The claims process is taking time you don’t have. Many policyholders are busy with work, family, or other responsibilities, and sometimes the claims process becomes too demanding. In an effort to avoid dealing with claims, some insurance companies will ask for more documentation than you might think necessary. Did you submit those pictures through the company’s online portal as directed in the instructions? Great, now you need to email them to the adjuster for some reason. Maybe the damage looked obvious to you, but the adjuster doesn’t see it and wants more pictures. Don’t forget to send another photocopy of your ID and insurance policy! These requests can be exhausting and some people may even give up, but you won’t have to if you hire a public adjuster who can take charge of the claims process for you.
  • Your insurance policy reads like an instruction manual for furniture assembly. In other words, it’s confusing and you simply can’t understand it. Insurance policies are often intentionally obtuse because if the policyholder doesn’t understand the policy, it’s easier for the insurance company to justify denying the claim. The best way to protect yourself in these situations is to consult a public adjuster. These professionals are trained to understand and correctly interpret insurance policies, and they’re prepared to review yours and answer your questions. The public adjuster can also negotiate with the insurance carrier because they know exactly what the policy says.
  • The insurance company makes you an offer surprisingly quickly or makes an offer that seems too low (or both). It’s not unusual for insurance companies to undervalue claims. Sometimes when you receive a very fast offer, it’s because the insurance company adjuster realizes you have a large amount of damage, so they make you an offer for less than your claim is worth and hope you’ll be satisfied. Even if your offer isn’t particularly swift, it may still seem way too low considering your damages. In either case, a public adjuster can give you a much-needed second opinion. If they agree that you deserve a larger amount of compensation, they will submit a well-documented new claim and work to increase your settlement.

What Questions Should You Ask a Cocoa Public Claims Adjuster?

While engaging the services of a public adjuster is important, you should take your time and be sure you’ve found the right adjuster for your needs. Here are some essential questions to ask any public adjuster before signing a contract:

Are You Currently Licensed and Insured in the State of Florida?

You can verify a public adjuster’s licensing status through the Florida Department of Financial Services website.

Do You Live Here in Florida?

The fact that the adjuster lives elsewhere shouldn’t necessarily be a deal breaker, but if they aren’t local, you should inquire about how many cases similar to yours they’ve handled in the state. Ideally, you want to hire someone well-acquainted with state laws affecting your claim and other local issues.

How Long Have You Been an Adjuster and How Much Experience Do You Have With This Type of Claim?

Training and experience are very important when selecting a public adjuster. We recommend looking for an adjuster who has several years of experience, ample references, and considerable training. They should be able to talk at length about their education and experience and give examples of similar cases they’ve worked on recently.

Once you’ve learned about the adjuster’s professional background, do an online search to verify this information. A truly experienced adjuster who has spent significant time working locally should have a substantial number of local reviews on consumer sites. Be sure to read through at least some reviews to determine if they sound authentic and give specific examples. Additionally, it’s a good idea to call the adjuster’s references and consult the Better Business Bureau to check out their rating.

What Kind of Fees Do You Charge?

With this question, we recommend taking time to think about the answer before making a decision. Some people want to choose the least expensive public adjuster, and we do understand the need to save money. However, a more experienced adjuster often charges a little more than someone new to the industry, and their experience could help you secure a more consequential settlement.

You should also know that Florida limits public adjuster fees to 20 percent of the recovery – and this only applies to recoveries made after you sign a contract with the adjuster. If the insurance carrier already paid you, but the adjuster files another claim for the same incident and secures an additional check from the insurer, they can only charge fees on the amount they recovered, not the earlier payout.

There is one exception to the 20 percent rule: If your claim involves damage from a national disaster severe enough that the governor declared a state of emergency, then public adjuster fees are limited to 10 percent on claims made regarding this disaster.

How Long Do You Think the Claims Process Will Take?

There are many possible answers depending on a variety of factors. No public adjuster can say exactly how long any given claim will take to complete, but an experienced adjuster should be able to give you a ballpark idea, such as “2-3 months,” etc.

In most situations, claims with more damage or more expensive damage take longer than simpler claims. The adjuster will spend more time compiling evidence and writing up a claim if you have multiple instances of damage on your property as opposed to one or two. Additionally, the insurance company representative will spend more time carefully scrutinizing your claim and the included documentation if the claim amount is a higher number.

It’s not unusual for insurance reps to try to negotiate down to a lower amount or offer less compensation than you asked for. Your public adjuster will remind the rep of the extent of your damage and explain why certain repairs or replacements are necessary, handling the negotiation process so you don’t have to. This phase may also take a few extra weeks, but it usually results in a larger settlement than you would receive handling the claim on your own. While claims made with the help of a Brevard County public adjuster sometimes take slightly longer to complete, they also tend to be more lucrative, so it is often worth the wait.

Contact Pinnacle Claim Services for Your Cocoa Insurance Claim Review

Pinnacle Claim Services offers free claim evaluations, and we only charge you a fee once we’ve successfully recovered your claim. Our public adjusters are highly trained and experienced in multiple kinds of property damage claims, including fires, floods, hurricane or weather damage, mold, theft, and vandalism. They are fully licensed and insured, and always ready to provide you with references and reviews from our many satisfied clients. We hope you’ll contact us for a free evaluation and learn more about how we can assist with your property damage 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 Deerfield Beach!

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