sunset behind public pier in lee county
sunset behind public pier in lee county
Lee County Public Adjuster

Lee County Public Adjuster

When the lights go out in Lee County, it’s usually the result of the dozens of huge thunderstorms that roll through each year. Some years are marked by major hurricane events, with 2022 being no exception. Hurricane Ian’s path through Southwest Florida saw it making landfall near Sanibel Island, leading to massive destruction and widespread flooding caused by storm surges.

bridge in lee county

If you have been left picking up the pieces of your home or property in the aftermath of a major storm, know that you don’t have to deal with the insurance claims process alone. Pinnacle Claims Services has assisted thousands of Floridians with claims. We know that the process can be overwhelming, which is why we’re ready to come and assist. If your insurance company has underpaid your claims for Hurricane Ian’s damage, please contact us today.

Local Pinnacle Claims Representatives are available in Lee County to quickly come to you. We provide you with a free inspection of damages, a free review of your insurance policy, and a free review of any current claims.

Let us help you get back to a normal life after you and your family have been the victims of nature’s destruction. Call 877-70-CLAIM or contact us online to schedule your no-risk, no-cost appointment now.

Why You Need a Lee County Public Insurance Adjuster

Sunny, serene Lee County has a history of being hit pretty hard by hurricanes and other major storms. Since its formation in 1887, the area has been popular as a destination for those looking for year-round warm weather and pleasant surroundings. No less than 40 retired athletes and celebrities have chosen to call the area home, including NFL Hall of Famer Deion Sanders who was born and raised in Fort Myers. In the past, the area drew the eye of people like Thomas Edison, Henry Ford, and filmmaker George Romero, all seeking their own slice of idyllic beauty along Florida’s Gulf coast.

Gaggles of tourists also flock to Fort Myers, Cape Coral, Sanibel, and other destinations in Southwest Florida every year. It’s the perfect place to enjoy the beach, do some shopping, catch a spring training game, or maybe even meet a manatee!

Unfortunately, the same beachside beauty that lures so many to Lee County’s lands also happens to frequently lie right in the path of hurricanes coming through the Gulf of New Mexico. In fact, a major hurricane that occurred over a century ago in 1921 reshaped the coast, creating what is now known as Redfish Pass between Captiva and Cayo Costa islands.

Hurricane Irma crossed directly through Lee County in 2017, causing heavy flooding and major damage to infrastructure. Since that time, more than a hundred thousand people have moved to the area, raising the stakes for risk to life and property. Hurricane Charley also hit the area badly in 2004, knocking out power and destroying tens of thousands of homes.

When hurricanes hit or major storms impact your property, the important thing is to remain calm and focus on the next steps. Many people despair that they will have difficulty getting the needed coverage from their property insurance at this time. They can take solace in the fact that Pinnacle Claims Services is available to help them. We can provide residents with a certified Lee County public insurance adjuster to come to them, help assess the damage, and then do everything we can to recover benefits to repair your home.

Understand Your Coverage With a Lee County Public Claims Adjuster

Every year, millions of Florida residents are left scrambling in an attempt to file claims after being in the path of a major storm or flooding event. High-speed winds and torrential downfalls are just the first things they have to worry about. The damages wrought by nature at her most powerful can also stem from secondary incidents: fires, water damage, foundation collapses, fallen trees, or even vandalism and theft.

Making sense of your insurance policy during this time can be incredibly difficult. Worse, representatives of the insurance company can be frustrating to get a straight answer from. By the time they receive their initial settlement offer, most homeowners are ready to accept the check they get and move on with their lives.

The only problem? The settlement offers tend to be far lower than the costs of a repair in the wake of a major storm event.

Common Benefits Available After a Home Incident in Lee County

A typical homeowners or property owner insurance policy provides coverage for the following events:

  • Water damage
  • Roof damage
  • Mold damage
  • Fire and smoke damage
  • Wind damage
  • Lightning damage
  • Explosions
  • Fallen trees or debris
  • Collision with an aircraft, car, or other types of vehicles
  • Arson, theft, vandalism, or other crimes
  • Sinkhole damage

Benefits typically pay for:

  • Repairs to the structure of your property
  • Replacement of the contents of the home, including appliances
  • Liability coverage in the event of a claim against the owner
  • Temporary living expenses while the home is uninhabitable

Common Reasons Insurance Claims Are Reduced or Denied in Lee County

While all of the above coverage areas may sound ideal for putting you back on your feet following a storm, the reality is often not so rosy. Insurers have a profit-driven motive to reduce the coverage available to policyholders to the extent reasonably possible under the law. Complications within coverage areas and convoluted policy language can all lead to the same conclusion: giving you less money than you needed to pay for the full costs of recovering after a storm.

Alleged flooding is one of the most likely culprits to a denied claim. Most homeowners’ policies exclude coverage for floods, forcing homeowners to seek additional coverage from a secondary policy or rider backed by the National Flood Insurance Program (NFIP). Even then, insurance companies and homeowners will often disagree as to whether a flood truly occurred in their home. Flooding can be the sole result of excess rainwater, or it could be caused by local waterways overflowing their banks or a storm surge coming in from the coast and connected harbors. Yet, water damage caused by roof leaks or structural collapses can occur in the absence of flooding. What then typically happens is a long and drawn-out legal conflict.

Insurers will also attempt to deny or reduce coverage by alleging that the homeowner failed to take steps to adequately protect their property. Neglecting to board up windows prior to a storm or waiting too long to deal with a hole in the roof can contribute to what carriers refer to as avoidable damages. Owners may also be accused of making faulty repairs or having damages exist prior to the storm event.

No matter what the reason, Pinnacle Claims Services works to get to the bottom of the issue. We inspect damages and can work with experienced, locally based contractors to get informed opinions about the extent of damage and its most likely cause. We can also review your policy, seeking to extract every last benefit available.

Most insurers will do whatever they can to frustrate claimants in an effort to get them to back down. We don’t back down! We help you determine what your claim should actually be worth, and we assist you in using the right evidence and documented reasonings to seek out 100% of the benefits you need.

Storm Surges Are a Major Cause of Hurricane and Storm Damage in Lee County

Huge areas of Lee County are vulnerable to storm surges of 15 feet or higher. Some of the most vulnerable areas include Sanibel, Pine Island, Punta Rassa, Iona, and the coastal communities surrounding Cape Coral. The effects of storm surges can reach far inland, as well. Historic flood data shows flooding of 5 feet or more reaching past I-75.

Most storm surges are caused by the high winds found within a hurricane, which can reach past speeds of 150 mph. The enormous force of the winds shoves tidal activity up past its typical heights while also reaching inland. A combination of these effects leads to waters surging up the coast, including within waterways and major rivers nearby. The waters can easily reach high enough to completely cover a house from the foundation to the roof.

Cities Where We Provide Lee County Insurance Claim Services

  • Alva
  • Babcock Ranch
  • Boca Grande
  • Bokeelia
  • Bonita Springs
  • Buckingham
  • Burnt Store Marina
  • Cape Coral
  • Captiva
  • Charleston Park
  • Cypress Lake
  • East Dunbar
  • Estero
  • Fort Myers
  • Fort Myers Beach
  • Fort Myers Shores
  • Gateway
  • Harlem Heights
  • Iona
  • Lehigh Acres
  • Lochmoor Waterway Estates
  • Matlacha
  • Matlacha Isles – Matlacha Shores
  • McGregor
  • North Fort Myers
  • Olga
  • Page Park
  • Palmona Park
  • Pine Island Center
  • Pine Manor
  • Pineland
  • Punta Rassa
  • San Carlos Park
  • Sanibel
  • St. James City
  • Suncoast Estates
  • Tanglewood
  • Three Oaks
  • Tice
  • Tice
  • Verandah
  • Verandah
  • Villas
  • Whiskey Creek

Talk to Lee County Personal Claims Adjusters When You’re Worried About Fixing Your Home

Once a storm has torn through your neighborhood, you will know the feeling of complete and utter helplessness it can bring with it. Fortunately, you have an ally in getting back to normal. 

Pinnacle Claims Services wants to come to you to assist you in getting the benefits you need from your insurance carrier. We’re the only type of adjuster recognized and licensed by the state of Florida to work directly with you. Call or reach out today and take the first steps to feeling safe and comfortable once more.

We work at no up-front cost, and we charge you nothing if you are unable to get a settlement out of your insurance company!

Schedule your free damages inspection, policy review, and claims review today when you call 877-70-CLAIM or contact us online.


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