Reconstruction on a house with fire damage
Reconstruction on a house with fire damage
Fire Damage

Melbourne Fire Damage Claims Adjuster

A building storefront damaged by fire, and with a tape barrier stretched actoss the front.

Fires represent a truly devastating occurrence for your home or office. Not only do they have the potential to engulf your entire structure in flames, but they also unleash a wave of smoke, scorching heat, and grimy soot that can result in serious damage to the building.

Even a fire contained in one room or area can affect other areas through secondary causes like smoke damage or water damage from the sprinkler system. Finally, your HVAC, electrical systems, and appliances are highly susceptible to damage and may necessitate repairs or replacement.

As a property owner, you invest in homeowner’s or business insurance, so you won’t have to bear the burden of paying for fire damage yourself. However, you might find the claims process more challenging than expected, and in some cases, your claim could be denied or undervalued.

These situations can be confusing, frustrating, and the last thing you need when trying to pick up the pieces after a fire. Fortunately, you do have options.

Seek Help From a Melbourne Smoke Damage Claims Adjuster

You are not limited to pursuing an inspection and insurance policy review from your insurance company’s claims adjuster. In fact, you can engage the help of a public claims adjuster to inspect the damage, create an estimate, and review your insurance policy.

Our highly trained public adjusters will also take pictures of the damage and review your claim to ensure it’s correctly documented.

Why Should You Hire Your Own Claims Adjuster?

When you hire a public claims adjuster, they will focus on helping you address your damage with high-quality repairs or a complete replacement if necessary. Instead of trying to save the insurance company money, they will seriously consider what the best options are for fixing your property.

If you would be better off replacing a washing machine than making minor repairs to the electrical system, your public adjuster will recognize that and recommend the best solution. An insurance company adjuster may only offer to pay for the least expensive repair, even if it means you may have future problems with the appliance.

A fire damage claims adjuster will also help you photograph and otherwise document your damage and how it occurred. Insurance company adjusters often reject claims because it isn’t clear that the damage was caused by a covered incident (in this case, a fire) but without telling you what kind of documentation they would need.

Your public adjuster knows how to provide evidence showing the way in which the fire caused your damage, reducing the chances that the insurance company will reject your claim. We can also help resubmit your claim with additional evidence if the insurance company already rejected it.

What Should You Do to Prepare Your Fire Damage Insurance Claim?

We know that dealing with a fire can be stressful, and it may be hard to think clearly at first, but the steps you take after dealing with the immediate issues can make it easier or harder to successfully file an insurance claim. Here are some tips to remember after a fire:

  • Follow the fire department’s instructions—if they tell you to stay out of the structure because it’s unsafe, stay out of the structure.
  • Once the fire department has cleared the scene and you’re allowed to go in, you should still wait before touching or moving anything. Take photos and video of the damage from all angles. If you need to move something, set it aside but don’t dispose of it yet—it may be evidence for your claim.
  • Make an itemized list of all damaged pieces for your insurance claim, then double-check to be sure you have pictures of everything on the list.
  • Secure the property. You don’t want vandals or neighborhood kids taking items or moving things around. The best solution is a professional security service, but if that’s not in the budget, you can board up the windows and doors yourself with supplies from a local hardware store.
  • While you shouldn’t stay in an unsafe home, driving by the property to check on it regularly is a good idea. If that isn’t feasible, you can set up cameras to keep an eye on things.
  • Look over your homeowner’s insurance policy to see if it will cover your hotel or storage bills—some policies do, but they may have restrictions on what they will cover or how much they will pay.
  • Be sure to get receipts for all your expenses and save them somewhere safe—you’ll need them to seek reimbursement from the insurance company.

My Homeowner’s Insurance Should Cover Fire Damage, Right?

In most cases, yes, homeowner’s insurance covers fire damage. There are, however, a number of qualifications in any policy.

Your fire damage claims adjuster will review the details of your policy and answer any questions you have, but in general, here are some things to keep in mind:

  • You may not be covered if the insurance company believes the fire was caused by your negligence. For example, leaving candles burning unattended or putting a space heater right next to your curtains could be considered negligent. However, sometimes we meet people who follow fire safety precautions, but the insurance adjuster believes they were negligent anyway. In these situations, we will help you supply the insurance company with evidence of how the fire started and why it wasn’t due to negligence.
  • Homeowner’s insurance typically doesn’t cover arson, even if the fire was intentionally set by someone other than the homeowner. But if the police identify the arsonist, you might be able to file a civil claim against them for damages.
  • Sometimes, the insurance company adjuster will agree to pay for your damage—but only some of it. They may question whether secondary damage to an appliance or HVAC system was really caused by the fire, for example, so they might offer to pay for structural damage but not your wrecked refrigerator. Or, the adjuster could fail to see the connection between your sprinkler system putting out the fire and the mold that bloomed on the carpet a week later. In these situations, your fire damage claims adjuster will assist you in documenting what caused each type of damage to strengthen your claim.
  • Your coverage is subject to your policy limit. If you were on a budget when buying insurance, it’s possible your policy limit is less than your actual damages.

Does Renter’s Insurance Cover Fire Damage?

Unlike a homeowner’s insurance policy, renter’s insurance is not meant to protect the property owner but the tenant. Presumably, the landlord has their own commercial insurance that covers fires and a variety of other damages.

For this reason, renter’s insurance won’t cover damage to the structure itself or features like counters, floors, carpets, etc.

However, renter’s insurance should cover damage to the items that you brought into the property, such as furniture, appliances, electronics, and more. Again, you will need to show that the fire directly caused the damage.

Another thing to know about renter’s insurance is that it often includes liability coverage. If the fire started due to your negligence, it’s possible your landlord might pursue a claim against you for damage to the structure (which is not covered by your renter’s insurance and may not be covered by the landlord’s insurance).

But your liability policy would cover your liability for damages you unintentionally but negligently caused to the property—or to other people who were injured in the fire. If you’re being sued for negligence following a fire, it’s a good idea to speak with a lawyer before you make any decisions.

What Kind of Insurance Will Cover a Fire At Your Business?

Insurance is one of many necessary expenditures involved in running a business. There are three types of insurance you might consider:

  • Commercial property insurance covers several kinds of physical damage to the property, including fires, vandalism, some types of weather events, and more. Each policy may differ in the exact events that are covered, and your public adjuster will review the details. 
  • General liability insurance covers personal injuries or property damage that other people sustain on your property. For instance, if your restaurant catches on fire and some of your customers are burned or suffer smoke inhalation, your liability policy should cover their damages.
  • A business owner’s policy or BOP combines the previous two types of insurance in one policy, but this option is not available for all businesses, so you may need to buy two separate policies.

How Can You Get Help From a Fire or Smoke Damage Claims Adjuster?

Please contact Pinnacle Claim Services for a free damage inspection and insurance policy review. Call us today at (321) 384-9379.

Our adjusters are local and ready to respond promptly. They are also highly trained and constantly continue their education in insurance and fire and smoke damage detection.

We can help you with reviewing your claim, accurately assessing your damage, and negotiating the largest payment possible. If the fire has impacted your finances and you’re concerned about upfront costs, please remember that you won’t owe us anything until we successfully settle 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!

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