Deerfield Florida
Deerfield Florida
Melbourne Condominium and HOA Claims Adjuster

Melbourne Condominium and HOA Claims Adjuster

A house in Florida destroyed in the aftermath of a hurricane.

Beautiful Melbourne, Florida, is a popular destination for beach lovers, families, retirees, and those seeking employment in the tech sector. Thanks to its location right near the Kennedy Space Center, the city is home to more high-tech businesses than anywhere else in the state!

Condos are a great way to live or vacation in the city; they often provide enviable locations, stunning views, and reduced costs of ownership. At the same time, both condo unit owners and condo associations face risks from ever-present threats like severe storms, fires, wind, and more.

Filing a claim for damages after an unfortunate event can be more difficult than it seems. Insurers are becoming increasingly stringent — and stingy — on the types of coverage available to condominium buildings and their overall willingness to honor claims.

The adjusters they hire can be quick to discount the costs of damages or to rule it as the result of an uncovered event. That’s where Pinnacle Claims Services can come in; we represent both individual unit owners as well as condo owners’ associations and HOAs during the claims and recovery process.

You receive your own independent opinion and also gain an advocate who can help you accurately document damages and submit a claim seeking the highest amount possible. 
Schedule an appointment to discuss your possible claim and receive a damages inspection, policy review, and claims review from a seasoned professional. Reach out to a Melbourne condominium, and HOA claims adjuster near you today when you call 954-466-2954 or contact us online.

Why You Can Benefit From Our Melbourne Condo and HOA Claims Adjuster Services

Living in a condominium building or other joined complex governed by a single owners’ corporation has its range of perks — but it also introduces complications. HOAs will often have difficulty parsing through the types of coverage they have available, and they may end up needing to file separate claims depending on the parts of the building that were affected and how they were damaged.

Add individual unit policies to the mix, and things can get confusing fast. Many HOA representatives will get quickly overwhelmed when facing a large claim.

Worse, they have their own homes — and property values — to think of in the aftermath of a storm or other tragic event.

Insurance companies hire their own adjusters to assess the damages and apply their findings to the letter of the policy, determining the ultimate amount of benefits for which your claim qualifies. A public adjuster does the same thing, but with one key catch: they represent you, not the insurance company.

While insurers are apt to limit their exposure to risk and deny benefits as much as they can, public adjusters are licensed by the state of Florida to perform an independent assessment. By calling Pinnacle Claims Services, we can provide you with a condominium and HOA insurance claims adjuster to stand by your side and fight for the true value of repairs needed to bring your building back to its original state.

Our condo and HOA claims adjuster services can include the following:

  • A damages inspection, along with a full assessment of cause and an accurate estimate for repairs
  • An in-depth policy review, helping you understand what coverage is available, what exemptions exist, and what areas you should be prioritizing in order to maximize the value of your claim
  • A full claims review, going through any documentation you may have completed and helping you fill in the rest, using the documentation and level of detail needed to help insurers understand the true extent of losses
  • Assistance with claims preparation, submission, processing, and negotiation, including serving as your expert witness should you end up appealing your claim or resorting to litigation
  • Help with choosing the right coverage for future needs, reducing your exposure to risk while fitting the financial goals of the owners’ association as a whole

HO-6 vs Master Policy: What’s the Difference?

One majorly confusing aspect of condominium claims is that every condo owner, in effect, has two main policies protecting them.

An HO-6 policy acts nearly identically to a homeowner’s insurance policy, protecting individual unit owners from damages. These damages can include those that affect the entire building, such as a bad hail storm, as well as those that affect just one unit, such as an appliance leak.

A master policy covers the building itself, including common areas and vital components of the building’s infrastructure. Every condo owner pools their money together to pay for the premiums of this policy, as it is designed to protect them from the costs of damages that affect common-use areas and the very structure of the building itself.

Types of Masters Policies for Condominium and HOA Insurance

There are several main types of master policy available. HOAs will need to review their options, what is covered, the history of the building’s repairs, and their overall appetite for risk vs premium costs when weighing which ones to choose.

When filing a claim, the type of policy you have will greatly affect what parts of the building are covered — and by how much.

The main types of master policies include:

  • Bare wall coverage covers all common areas; all shared exterior building components (including roofing), plumbing, wiring, and other building infrastructure between the walls, and the unfinished drywall of the individual units themselves. It does not cover any fixtures, belongings, or other personal property of the individual unit owners.
  • Single entity coverage applies to everything listed in bare walls coverage, with the addition of coverage for permanent fixtures within the individual units. These can include counters, cabinetry, built-in shelving, flooring, and other finished but immovable aspects of the unit. However, these policies often only cover original fixtures while excluding any additions or improvements done by the unit owner.
  • All-in coverage covers every single component of the condo building, including all structural components of the units and any additions, improvement, or customization work done to individual units.

More coverage means more benefits and an easier claims process, for the most part, compared to splitting claims between the master policy and multiple HO-6 policies. At the same time, it dramatically increases the costs of premiums, which may not gel with the financial interests of everyone in the association.

Interpreting the coverage you have after a disaster is critical for knowing how to structure your claim and what benefits to ask for. Pinnacle Claims Services will help you understand your policy, and we can even provide guidance to individual unit owners at the same time with their HO-6 claims.

What Is Included in Condo Owner’s Insurance?

Every owner of a condo unit should purchase a separate HO-6 policy. Even if an “all-in” master policy genuinely covers every aspect of the unit, it may not cover personal effects or liability for injuries that occur within the unit itself.

Condo owners should review their policies periodically, especially after a major storm or other disaster event. Common components of HO-6 coverage to look for include:

  • Dwelling coverage — Covers the unit itself, including appliances, fixtures, built-ins, finishing materials, and aspects like counters.
  • Personal property coverage — Covers most furniture, electronics, jewelry, and other valued personal effects.
  • Loss of use coverage — Compensates claimants for additional expenses incurred after an event because they are unable to return to the unit, such as temporary housing or even meals.
  • Liability coverage — Pays for medical care to a visitor in the event of an accident occurring within the unit.
  • Loss assessment coverage — When there is particularly expensive damage covered by the master policy, it may end up exceeding the available coverage or triggering a sizable deductible. Condo associations may charge an assessment fee in this case. Loss assessment coverage may be available to help individual unit owners cover these costs through their policy instead of paying out-of-pocket.

How Do I Know What Is Covered When My Condo Is Damaged?

The coverage available after a fire, storm, pipe burst, or other event depends on the nature of the event, what was affected, and how the damage occurred.

A master policy will cover the roofing, siding materials, and most of the structural material of the building itself. It will also cover stairwells, elevators, entrances, walkways, and common rooms or porches that aren’t under the ownership of any single individual.

An HO-6 policy covers damages to the interior of the unit and its contents. While some all-in policies can help reduce the coverage needed for counters and other fixtures, the unit owner will need to file their own claim when their unit is flooded or when damage occurs to their personal property.

In some cases, damage is caused not by a natural disaster but instead by a negligent owner of another unit. Since water travels through walls and seeps into ceilings from above, water damage is a common source of disputed fault.

When the owner of an individual unit is deemed at fault, his HO-6 policy may cover damage to the other units, and a master policy claim will likely be needed since the damage is now affecting the interior infrastructure of the building itself.

As one can see, these situations can get extremely confusing fast. It helps to have an experienced Melbourne public adjuster available to review policy, determine coverage, assess damages, and help explain how these situations typically play out from both the perspective of the claimant and the insurer.

Work With a Trusted Melbourne Condominium and HOA Insurance Claims Adjuster Team

Insuring condo buildings is getting more expensive as carriers’ appetite for risk changes. Owners’ associations and individual unit owners will often have to fight tooth and nail to avoid a rejection of their claim or a dramatic reduction in their coverage.

Let Pinnacle Claims Services join you in the fight. Our professional knowledge or commercial claims in Melbourne can help you see clearly what coverage is available, and our thorough approach to documenting damages can reduce the risk of paying for unexpected costs out-of-pocket after the claim is settled.
Learn more about your rights as a policyholder and how to get more from your claim when you call 954-466-2954 or contact us online to schedule a consultation, damages inspection, and policy review today!


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 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