Deerfield Florida
Deerfield Florida
Melbourne Commercial Claims Public Adjuster

Melbourne Commercial Claims Public Adjuster

A broken down staircase in a building shut down by storm damage.

If your Melbourne business has experienced property damage, loss of use, business interruption, theft, vandalism, a cyberattack, or any other serious event, Pinnacle Claims Services is here to help you recover. Our licensed public adjusters work directly for you, not the insurance company.

We help you investigate damages, fully assess losses, document claims, and submit them using all the industry standard best practices. 

Business clients in Melbourne and throughout Florida depend on us for our professionalism, expertise, and experience. With us in your corner, it’s no longer just your word against the insurers when there is a question, discrepancy, or disagreement about the benefits you are owed.

Choosing us means you have a recognized, licensed professional’s opinion in matters of how your policy should apply, what damages you can claim, and what the true value is for the losses you have suffered.
Call us, and we can respond quickly; we will get to you in order to help manage every step of your claim. Schedule your consultation, policy review, claims review, and damages inspection with a trusted Melbourne commercial claims public adjuster near you when you call 954-466-2954 or contact us online.

Melbourne Commercial Claims Public Adjuster Services

The city of Melbourne is home to a vibrant business community, including the highest concentration of STEM companies in the state of Florida. 

Located just south of Cape Canaveral, Melbourne attracts a large number of aerospace engineering and high tech firms. It also boasts a gorgeous beachfront and charming historic downtown area, which frequently hosts festivals, markets, and other events that cause locals and visitors alike to flock to the beautiful city.

Melbourne’s scenic and strategic location also, unfortunately, exposes it to a myriad of natural disasters. While it is often spared the worst of hurricane forces thanks to its location far from the Gulf Stream, it is still frequently subjected to tropical storms, thunderstorms, windstorms, hail, and the ever-present threat of fires. 

When these disasters strike our local economy, businesses of all sizes can face a dire situation. They depend on insurance settlements to help them cover the costs of damages and bridge the gap towards a health recovery.

Insurance companies are not always so eager to pay them the full amount they expect, however. When filing a claim, key details can add up to form a big difference in the final settlement amount presented.

Further, insurers can overlook coverage areas, misinterpret exemptions, or underestimate the true costs of repair, recovery, and re-opening.

In these situations, even professionals like insurance brokers and risk management personnel turn to our experience and industry knowledge. Public adjusters are the only insurance adjusters licensed by the state of Florida to represent you during a claim.

Our opinions and findings matter when weighing the merits of your claim. Should your claim proceed to litigation, our reports can also serve as evidence from an expert witness.

Trust our team to help you weather through every stage of your commercial claim. Our commercial claims public adjuster services include:

  • Investigation of your loss, including property damage inspections
  • Calculation of your total value of losses and claimable benefits, according to industry-standard formulas and accurate repair estimates
  • A thorough review of your insurance policy and an explanation of benefits to which you may be eligible
  • A review of your claims documentation prior to submission, including recommendations to increase the likelihood of receiving the expected settlement
  • Assistance with corresponding with insurers and negotiating a settlement amount
  • Submission of evidence as an expert witness for any appeals, lawsuits, trials, and other litigation

Most Common Types of Commercial Claims in Melbourne

A study conducted by The Hartford Insurance Company uncovered that the following are the most frequent causes of loss leading to an insurance claim:

  1. Burglary and theft — 20%
  2. Water, plumbing leaks, and frozen pipes — 15%
  3. Wind and hail — 15%
  4. Fire — 10%

On the other hand, these types of claims do not represent the most expensive claims areas from a damages value perspective. Crunching those numbers, The Hartford revealed that the following are some of the most costly types of events preceding a commercial claim, with the average claim cost listed alongside it:

  • Vehicular accident — $45,000
  • Fire — $35,000
  • Wind and hail — $26,000
  • Water, plumbing leaks, and frozen pipes — $17,000
  • Burglary and theft — $8,000

From this perspective, businesses must be prepared for a high volume of claims related to theft, burglary, and other forms of missing or damaged inventory related to criminal activity — even though these claims may not amount to much on an event-by-event basis.

On the other hand, while wind and hail claims are relatively rare for most businesses nationwide, commercial enterprises in Melbourne must deal with the effects of this type of severe weather all the time. Worse, these claims tend to have a high average value, one that continues to climb as the cost of materials, labor, and replacement equipment continues to skyrocket.

Fire and smoke damage also continue to be an ever-present threat to business properties and operations. Unlike wind and hail damage, many of these events are preventable, so businesses should exercise due diligence and have routine inspections to reduce their fire risk throughout their properties.

Melbourne Businesses We Proudly Assist With Commercial Claims

Pinnacle Claims Services has a long history of assisting property owners, businesses, and others in communities throughout Florida. For commercial claims, some of the most common types of businesses we serve include:

  • Aerospace engineering firms
  • Office buildings and office parks
  • Warehouses and distribution facilities
  • Shopping and retail
  • Art galleries
  • Condominium and HOA associations
  • Restaurants
  • Hotels and motels
  • Grocery stores
  • Banks
  • Churches, synagogues, temples
  • Retirement communities
  • Industrial parks
  • Hospitals and doctors’ offices
  • Other professional practice offices
  • Multi-family properties
  • Educational institutions
  • Campus housing, dorms, and administration buildings
  • Apartment complexes
  • Production plants/manufacturing
  • Correctional facilities
  • Defense contractors
  • State and municipal entities
  • Recycling plants and scrap facilities

Top 3 Concerns to Be Aware of During a Commercial Claim

Every business can be caught by surprise by an undervalued commercial claim settlement offer. From small mom-and-pop shops to corporate enterprises, a lack of familiarity with the actual technical details of claims can lead them to overlook coverage areas, miscalculate the extent of coverage, and accept certain statements at face value — when they are very much up for debate.

With this in mind, we’ve listed 3 of the biggest mistakes to watch out for below.

Letting the Insurance Adjuster Handle Claims Valuation on Their Own

Most insurance adjusters work directly for the insurance company. Even so-called “independent” adjusters act as contractors on the insurer’s behalf.

Since insurers want to limit their exposure to liability, they strongly pressure adjusters to come up with numbers that weigh in their own favor. While no adjuster would ever willingly fabricate numbers (lest they lose their license), there are certain matters that are heavily open to interpretation, and the pressure from the contracting insurer can cause the adjuster to consider their evaluation from that perspective.

For example, adjusters may be quick to dismiss certain types of water damage as the result of flooding, which is not covered by most business owner’s policies. 

Hiring your own public adjuster gives you another perspective — one of someone who is motivated to help you retrieve as much as you can from your claim. In the case of water damage, they can help determine the actual cause of water damage, potentially even separating different types of water damages based on roof leakage vs standing water intrusion, etc.

Disputing the adjuster’s findings is often key to avoiding common reasons for claims denials and fighting for the highest settlement value available.

Underestimating the Value of Damages and Repairs

The cost of repairing property damage is in the eye of the beholder — and there is no more important perspective in this equation than the prices actually being charged by commercial property repair contractors. Many companies will receive a settlement to pay for repairs after a storm, fire, or other event, only to receive sticker shock when receiving bids for the actual job.

Pinnacle Claims Services in Melbourne will help you obtain accurate estimates for materials, labor, and the projected timeline of repairs. In cases where there is a high demand for professional repair services — such as after a major storm — we can help you determine the best way to mitigate the current damage and safely resume operations while you wait for repairs.

Discounting Their Own Expenses During a Business Interruption

Another area where businesses tend to lose money in a claim is in calculating the costs of continuing to keep their bills paid and their obligations met during a period of business interruption.

Remember that a typical business interruption policy can help pay for:

  • Rent, lease, or mortgage payments
  • Employee payroll
  • Payments on business loans
  • Costs associated with relocating permanently or opening in another location temporarily
  • Payments that would have been made for regularly incurred taxes, such as sales taxes or quarterly tax payments
  • Profits the business reasonably could have been assumed to have earned during the coverage period

Get Professional Assistance With Melbourne Commercial Insurance Claims Services

When your building has been damaged, your operations have been paused, and costs are running high, there is nothing more critical in this situation than the amount you are able to receive for your commercial claim.

Pinnacle’s commercial insurance claims services can provide your enterprise with a seasoned industry professional to help you accurately gauge the true value of all damages you have suffered. We leave no stone unturned when it comes to valuing your losses and claimable expenses, and we are prepared to help you fight back against insurance companies’ findings when they try to undervalue your settlement.
Find out how much your claim is truly worth and how to fight for the best amount possible when you call a Melbourne commercial claims public adjuster at 954-466-2954 or contact us online.


Living in South Florida, we are no strangers to natural disasters.


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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 Melbourne!

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