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Melbourne Public Adjusters Services

A public adjuster investigating premises for a client's insurance claim.

Property damage can be expensive to repair—even damage that appears minor may be more complicated than you think. You have home or business insurance to protect you from these rising costs, but you could run into difficulties in getting your claim approved.

Is there anything you can do to speed up the process and convince the insurance company your claim is valid?

Yes. You can contact a Florida public adjuster, an insurance adjuster who works directly for you rather than your insurance company.

While the insurance company adjuster might keep you waiting, deny your claim, or offer less than it would cost to do necessary repairs, your public adjuster will be focused on helping you get the best value from your settlement. Here are several ways we can assist you:

  • A local public adjuster will promptly visit the site and thoroughly examine the damage, while you might wait weeks or months for your insurance company adjuster to schedule a visit.
  • We’ll determine the full extent of the damage and what repairs or replacements you need, and then we’ll provide an accurate cost estimate.
  • Our experienced adjusters will photograph and note the cause of all your damages, drawing a clear line from Point A to Point B. This attention to detail helps strengthen your case by showing that your damage was the result of a covered incident.
  • We’ll review your insurance policy and answer questions so you understand what is and isn’t covered. Additionally, we can review your insurance claim before you submit it, and in some cases, we may have suggestions to improve your chances of success when submitting.
  • If you submitted a claim that was denied or undervalued, we’ll review the insurance company’s response. In some situations, we may be able to submit additional documentation and persuade the insurance company to pay your claim.
  • Negotiating with the insurance company adjuster can be challenging or stressful, especially if you’re not an expert on insurance policy lingo (and most people aren’t). Your public adjuster can handle negotiations for you and will work to ensure you receive the appropriate amount for your settlement.

How Can Melbourne Insurance Claims Services Help With Your Claim?

When you contact Pinnacle Claim Services for a free inspection and insurance policy review, we’re dedicated to helping you successfully file your claim.

Our inspectors won’t make you wait for weeks or make excuses about why they can’t visit your area. They’re professionals who work hard to assist their clients in stressful situations.

We also perform a scrupulous evaluation of your damage. While an insurance company inspector might only look at the area you indicated, we will examine other parts of the property.

We do this because we know many types of damage are not immediately evident, especially to the average policyholder who isn’t specially trained to recognize different signs of property damage. In many cases, we identify additional damage the homeowner was unaware of and may not have noticed for weeks or months. 

For instance, sometimes we learn that electrical or HVAC systems have suffered deterioration or an appliance sustained electrical damage. Water damage can also be insidious and may spread beyond the area of discoloration that you noticed.

When these problems are initially overlooked, the property owner may end up paying out of pocket to deal with them later.

Why Can’t the Insurance Company Adjuster Do What a Public Adjuster Can?

Technically, they can; it just isn’t their job. An insurance company adjuster is employed by an insurance company, and as a result, their job is to save the company as much money as possible.

If there is a reason to deny your claim, even a weak or questionable one, the insurance company adjuster is probably going to take advantage of it. There is also no benefit to the insurance company to look for or find additional damage you didn’t notice.

You employ a public adjuster, and they don’t get paid until they successfully settle your claim. They want you to use their services again if you have another incident, and it’s in their best interest to ensure you receive a fair settlement.

What If the Insurance Company Has Already Made You an Offer?

You might think this is the end of your property damage problems, but that’s not always the case. It’s important to read the offer carefully and consult an expert to ensure it fully covers your damage.

Frequently, we review insurance company offers and find that they undervalue the policyholder’s damage. As a result, you might run into issues such as:

  • The repair that doesn’t work or doesn’t last. The insurance company adjuster may decide that your repairs can be addressed in the least expensive way possible, but this is often inefficient. For instance, they may offer to pay to repair a small section of your wall when the water damage has spread to other areas and you need to replace the whole wall. This is a bigger, more expensive job, but it will resolve the problem with finality; a piecemeal repair will leave you at risk of future problems with the wall (that the insurance company may refuse to pay for).
  • Additional future expenses. If you accept an offer for a minor repair when you need a more extensive one or a complete replacement, you may find that your structure or appliance is now a “lemon”—you just keep having problems with it. These are not covered because the insurance company doesn’t believe they’re connected to your earlier damage—they already fixed that, remember? Many people pay out of pocket for these repairs or simply replace the damaged item at their own expense.
  • More additional expenditures. Sometimes, the added costs are more immediate. You may find there are extra outlays of cash even when the insurance company pays for the repairs. For example, they might pay the contractor to fix your windows, but you learn that hauling away the old, broken windowpanes isn’t included in their estimate. As a result, you have to pay for another service to provide waste disposal.

Because of the many unseen difficulties that can come up even with a seemingly “good” offer from your insurance company, we recommend a review by a public adjuster.

We can point out any potential inadequacies or reasons the offer may not cover every expenditure. Additionally, we can negotiate with the insurance carrier for a more comprehensive deal if you like.

What Property Damage Situations Can You Use Public Adjuster Services For?

An experienced public adjuster will assist you with a variety of common property damage issues:

  • Mold damage. The risk of mold after any water damage incident is an unfortunate reality of living in a humid area like Florida. Unfortunately, many policyholders find that while mold damage is covered in theory, it’s hard to make a successful claim. The insurance company demands proof that the mold was caused by a covered incident that may have happened days or weeks earlier. Your public adjuster will carefully document the damage and evidence of what caused it to show its relationship to a covered problem.
  • Water damage. Mold aside, water damage can wreak havoc on walls, floors, ceilings, furniture, appliances, and even your HVAC system. Your public adjuster will ensure all damage is cataloged and documented.
  • Fire damage. Besides the obvious damage to burned structures, furniture, appliances, or other items, you could also have additional smoke damage. In some cases, there is also water damage due to sprinkler systems or other efforts to douse the fire. A public adjuster will help secure compensation for these issues in your settlement.
  • Weather damage. This can include hurricanes, thunderstorms, tornadoes, lightning, wind, hail damage, and more. It can be hard to get your insurance company’s attention following a weather incident in which many policyholders suffered damage, resulting in an uptick in claims. Engaging a local public adjuster can save you time by ensuring the evaluation and documentation are done ahead of time in a way the insurance company adjuster will find acceptable.
  • Crime and vandalism. Most homeowner’s insurance policies cover damage from crime or vandalism, and a public adjuster can help you document your damage.
  • Riots or civil disturbances. Your policy may also cover damage from these incidents with sufficient photos and evidence of how the damage happened.
  • Vehicle collisions. These are somewhat less common, but we have seen cases of accidents where a car or even an aircraft collided with a home or other building.
  • Sinkhole Claims and problems caused by water lines, HVAC, sprinkler systems, burst pipes, or household appliances. These situations happen frequently, are usually sudden, and can cause a tremendous amount of damage in a short period of time. However, the insurance company adjuster might demand more documentation of cause and effect, and your public adjuster can assist you with securing a settlement.

How Can You Contact An Insurance Claim Services Company in Melbourne Today?

Please call (321) 384-9379 or use our online contact form to schedule a free damage inspection and insurance policy review from Pinnacle Claim Services. Our public adjusters are licensed and bonded, highly trained and educated, and ready to assist you in the claims process from beginning to end.

Public Adjuster Services Areas Served

Get the Money You Are Entitled to From Your Florida Insurance Claim

Water Damage

Water Damage

When water damage occurs in your home, it is usually caused by a broken plumbing pipe. If not, then the leak may be due to a blockage in one or more of your pipes.

Mold Damage

Mold Damage

If you have mold growing in your home, it needs to be removed without delay, otherwise, it will grow and produce allergens, irritants and even toxic substances.

Fire Damage

Fire Damage

A fire can easily cause more damage to your property than you can ever imagine. In addition to the building going up in flames, the raw heat can be overwhelming, as well as the resulting smoke and soot.

Weather Damage

Weather Damage

If your property sustains hurricane or other severe weather damage, it’s crucial to have an expert working in your corner.

Weather Damage

If your property sustains hurricane or other severe weather damage, it’s crucial to have an expert working in your corner. If you don’t have an experienced public adjuster like Pinnacle on your side, it can cost you a lot of time and money that can easily be avoided. Keep in mind that any water mitigation company that your insurance company sends out works for and has contractual obligations with your insurance company and not you! They are not obligated whatsoever to look out for you, your home, or your bank account. You deserve a fair settlement that can be obtained by our professional team at Pinnacle Claim Services, Inc.

Weather Damage

Water Damage

When water damage occurs in your home, it is usually caused by a broken plumbing pipe. If not, then the leak may be due to a blockage in one or more of your pipes. Pipe repairs are often costly, as well as time-consuming, and require a substantial amount of work. Fortunately, Pinnacle Claim Services, Inc. will thoroughly assist you with every step of the water damage claim recovery process, eliminating all the stress and confusion associated with fixing this type of damage. Make sure you document all water damage on your property with photos and or videos. Also, document the time and date of all damage to your home and your belongings.

Water Damage

Fire Damage

When making a fire damage claim, there are several items that need to be considered. What affirmative steps should you take and which ones are not worth your time? When exactly should you take those steps? How will you understand the details of your insurance policy? Who is responsible for the fire and what should be done about it? Certainly, you will need professional assistance to answer all of these complicated questions and you can rely on Pinnacle Claim Services, Inc. to successfully guide you through each and every one of them!

Fire Damage

Mold Damage

If you have mold growing in your home, it needs to be removed without delay, otherwise, it will grow and produce allergens, irritants, and even toxic substances. When mold is hiding in the confined spaces of your home such as dark and moist air ducts, the growth of mold can become a serious health issue. Inhaling or even touching mold spores can cause an allergic reaction. It is vital that you get all mold removed from your property as soon as possible. You can rely on Pinnacle Claim Services, Inc. to ensure you, your family and your property are protected from all the risks caused by mold.

Mold Damage

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

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.

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!

Free claim Evaluation

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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