Roof with weather damage from a storm
Roof with weather damage from a storm
Weather Damage

Deerfield Beach Weather Damage Claims Adjuster

A bolt of lightning at night as a storm rolls in over a town.

Flash floods, hurricanes, thunderstorms, tornadoes, and hail—Florida has no shortage of adverse weather situations that can damage your home, business, or other property. Sometimes, the damage is apparent immediately, but in other cases, you may notice a problem a few days, weeks, or even months later.

Once you seek help from your insurance company, you may get a rude awakening—the insurance adjuster could reject your claim, or they might offer you less than it’s worth. Fortunately, you do have options to pursue the total compensation you deserve.

Why Do You Need a Deerfield Beach Storm Damage Claims Adjuster?

If you rely on the insurance company’s adjuster to evaluate your claim, you’re placing trust in someone whose job is to save the insurance company money. They will examine your claim and attached photos, looking for reasons to reject the claim.

If they don’t find any, they will move on to determining the most cost-efficient way to achieve repairs. The problem with this second scenario is that they may offer to pay for a less effective repair—for example, replacing a few shingles when the whole roof needs to be replaced.

A storm damage claims adjuster is a public adjuster—they don’t work for the insurance company but for the individual policyholder.

You may be wondering why you need your own adjuster if the insurance company assigns you one, but it’s essential to understand that the insurance company’s employees are all in the business of reducing costs…for the insurance company. That means they look for reasons to either deny claims or undervalue them.

A public adjuster works for you, and their job is to help you build a strong claim and recoup all your damages.

Why Do People Hire a Weather Damage Claims Adjuster?

There are many different situations where policyholders seek the help of a public adjuster for a weather damage claim. Here are some examples:

  • They filed a claim, and it was denied. Often, the policyholder feels they did everything right, attaching pictures and following instructions, but the insurance adjuster denied the claim anyway. There may be a number of reasons why this happens—probably the most common situation is that the adjuster believes the policy doesn’t cover the damage. One of the benefits of engaging a public adjuster is that we will review the details of your policy and help you develop a strategy for demonstrating that the damage is covered.
  • They filed a claim, and it was accepted, but the insurance company won’t pay for all the damage. This is what we call undervaluing a claim. The insurance adjuster realizes there is sufficient evidence that the damage falls under a covered situation, so they don’t dispute that point. Instead, they find the cheapest way to fix the damage and offer to pay for that. For example, they might base their offer on repairing a damaged appliance or replacing one component when the whole electrical system is messed up, and the machine will continue to have problems. What you might need in this situation is a full replacement of the appliance, but the insurance company only offers to pay for the inexpensive repair. In these cases, a weather damage claims adjuster can help you document the severity of the damage and the reasons that a full replacement or more extensive repair is essential.
  • They filed a claim, and the claims adjuster hasn’t gotten around to examining the damage or responding to the claim. Sometimes, the adjuster keeps promising they’ll come by to look at the damage or they’ll process the claim soon, but weeks go by, and the policyholder is still waiting for help. A local weather damage claims adjuster will promptly inspect and estimate the damage for you, then review your claim and help you submit or resubmit it. If the insurance company continues to ignore you, your public adjuster will remind them of their obligations per the policy. If necessary, we’ll go over their heads and contact someone else at the insurance carrier until we get your claim processed. 

These are only some of the more common reasons people consult a public adjuster. If you’re having difficulty getting your claim processed or approved for any reason, we recommend contacting a weather damage claims adjuster for a free inspection and policy review.

What Kind of Weather Damage Can a Public Adjuster Inpsect?

Our public adjusters are experienced in handling a wide variety of weather damage claims, including:

  • Wind damage, such as ripped-off shutters, items striking the outside of the building, etc.
  • Broken windows.
  • Clogged pipes resulting from floods, storm surges, etc.
  • Leaking roofs which may be caused by hail, wind, or hurricane damage.
  • Damaged appliances often caused by floods or storm-related water damage.
  • Structural damage, such as water-damaged carpets, walls, or furniture.

Our local storm damage claims adjusters are deeply knowledgeable about frequent weather issues in Florida, including hurricanes, floods, storms, tornadoes, wind, hail, and thunderstorms. We’ll carefully evaluate the damage you point out to us, but we’ll also look at the rest of the home or property to ensure nothing is missed.

Not every sign of storm damage is immediately obvious, especially to the average person. Our education and skills allow us to identify more serious damage that you or the insurance company adjuster might miss.

What About the Water Mitigation Company or Another Representative Hired by the Insurance Company?

Companies or representatives that have been hired by the insurance company are likely to be in favor of helping the insurance company save money. If they recommend less expensive options, they know the insurance company will pay for it, and they will have an almost guaranteed job fixing your damage.

On the other hand, if they recommend more expensive options that you genuinely need, the insurance company may not pay for it, and if you can’t afford it, you might end up choosing not to do any repairs. Or, you could get another estimate from a different company.

Either way, the water mitigation outfit hired by the insurer loses business.

Your storm damage claims adjuster can review the estimate from a water mitigation company and let you know if additional repairs might be necessary.

How Long Does the Insurance Claims Process Take?

It’s hard to give you an answer when the process is highly variable. In general, the more damage you have, the longer it will take for the insurance company to evaluate your claim.

However, there are other factors you may not be aware of or able to predict. Sometimes, the insurance adjuster is busy with other claims, and that could affect how long it takes—this is especially true after a disaster like a hurricane that potentially affects thousands of people in your area.

While you can’t change the fact that the insurance company has a higher-than-normal volume of claims to process, you can move things along by hiring a weather damage claims adjuster to do the initial inspection and policy review. This will save the insurance company rep time when reviewing your claim and may reduce the risk of your first claim being denied.

Your public adjuster can also help streamline the process by negotiating with the insurance company and following up with them if they’re taking an unusually long time.

How Much Should Hurricane Insurance Cost in Deerfield Beach?

When considering property insurance in Florida, a hurricane is probably one of the first potential damage situations that comes to mind. Under Florida law, homeowners’ insurance, which averages about $2,385 a year, has to cover wind damage from hurricanes but not necessarily flood or water damage.

You’ll have to buy flood insurance separately, and costs vary depending on where you live. If your home insurance carrier doesn’t sell flood insurance, FEMA’s website has directions on how to buy flood insurance through the National Flood Insurance Program (NFIP).

It’s very important to note that most carriers don’t sell flood insurance for several days before an expected hurricane, so we recommend that you don’t wait for a hurricane warning to protect your home or business.

While going over your home or business insurance policy, it’s a good idea to understand what other weather situations are or aren’t covered, such as lightning or hail damage.

How Can You Get Help From a Weather Damage Claims Adjuster?

If you need help filing a claim, getting an inspection, understanding your insurance policy, fighting a claim denial, or dealing with an undervalued claim, please contact Pinnacle Claim Services at 954-466-2954 for a free inspection and policy review. Our experienced local adjusters are acquainted with the latest insurance policy trends and laws and can assist you with interpreting your policy.

They also know how to look for the many different signs of weather damage in each situation and will carefully photograph and explain each incidence of damage. Additionally, they can spare you the stress and worry of negotiating with the insurance company adjuster or fighting for a fair settlement.

There is no obligation, and if you decide to continue with our help, you won’t owe us anything until the insurance policy pays 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!

Weather Damage Claims Services Areas Served

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