Extensive mold damage on the wall of a house
Extensive mold damage on the wall of a house
Mold Damage

Melbourne Mold Damage Claims Adjuster

A woman on the phone with an public adjuster informing them of mold damage in the ceiling.

Prolonged exposure to mold presents significant health risks that should not be underestimated. While some people are less sensitive to the presence of mold than others, a substantial portion of the population suffers from mold allergies that could trigger asthma, upper respiratory problems, skin irritation, and other issues.

Even if you’re not experiencing any symptoms yet, continuing to stay in a mold-affected building is not a good idea. Addressing mold issues promptly is essential to safeguarding the health and well-being of anyone who spends time on the property.

Unfortunately, many property owners struggle to fix mold problems because their insurance carriers may refuse to pay. Although insurance policies usually cover mold damage, convincing the insurance company’s adjuster that your mold damage originated with a covered incident is often an uphill battle.

The damage may have been caused by a leaking roof, a burst pipe, or a flood, but your insurance company adjuster might believe that you negligently allowed the area to get wet and then failed to dry it. These situations can be frustrating, but there is a potential solution.

Contact a Melbourne Mold Contamination Claims Adjuster for Help

Unsurprisingly, the insurance company’s adjuster will look for reasons to deny your claim—for instance, they might say there’s no proof your leaking pipe caused that moldy spot. After all, they work for the insurance company, and their job is to reduce costs.

But you don’t have to rely on the insurance company’s adjuster—you can hire a public mold damage claims adjuster. This person works for you, not the insurance carrier, and will help you document precisely how your damage happened.

What Does a Mold Damage Claims Adjuster Do?

We can assist you with the claims process from beginning to end. Here are some of the ways we can help:

  • We offer a free inspection of your damage. Our claims adjusters are very thorough. While the insurance company adjuster might put off their visit or only show up and take a brief look, our adjusters will examine the damaged area and the rest of the property. We want to ensure no damage is overlooked, and we take pictures of all the damage we find.
  • After the inspection, we’ll also review your insurance policy for free. Confusion about what a policy does and doesn’t cover is common—policies are lengthy and often obfuscated by legalese. Your mold damage claims adjuster can answer questions and advise you about what evidence you’ll need to have your claim approved.
  • We can also review your claim before you submit it and help you document your damage. This includes providing pictures and guidance on how to show that a specific, covered incident caused the mold.
  • Negotiating with the insurance company adjuster can also be time-consuming and stressful, so your public claims adjuster can assist you with that process. We’ll use our expertise to negotiate a settlement that covers all your damages so you can focus on what matters to you.

Why Are Mold Damage Claims So Difficult?

This is a great question. Mold is a common problem—especially in humid areas like Florida—but unfortunately, insurance claims denials for mold claims are also common. What’s the problem?

As we discussed earlier, insurance company adjusters work to save the company money. They want to know how the damage listed in your claim happened so they can look for reasons why they shouldn’t cover the claim. Here are some examples:

  • “When did you notice the mold?” This seems like an innocent question, but the insurance company rep wants to know if you wasted time allowing the mold to flourish before attempting to address it.
  • “Why didn’t you fix the problem sooner?” Again, the insurance adjuster is looking for a way to say that your negligence really caused the problem. Sometimes, this results in frustrating situations where the property owner is seeking estimates or trying to get the insurance adjuster to survey the damage, but the insurance company blames them for failing to act quickly enough.
  • “Was the damage really from a covered incident?” The covered incident could be a flood, hurricane damage, leaking roof burst pipe, etc. An insurance company adjuster may look at pictures of the mold damage and suggest another problem—that conveniently isn’t covered—could have caused the mold instead.
  • “Why didn’t you check for water damage right after the covered event?” It’s definitely helpful to familiarize yourself with signs of mold and water damage and check for them after any event where you might have suffered water damage (floods, weather events, plumbing issues). But not all damage is noticeable right away, and some covered issues aren’t either—for instance, you might not be aware of a slow leak for some time. Unfortunately, the insurance company may still blame you for being negligent in caring for your home.

These situations can be very upsetting to a property owner who did everything right but still received a claim denial. Fortunately, a mold contamination claims adjuster can help you prove what happened in many of these cases.

Our adjusters have specific strategies in place to properly assess your damage and demonstrate how it occurred. We’ll also review the language in your policy to determine exactly what is necessary to prove you weren’t negligent and a covered incident caused the mold.

Then, we’ll work hard to document your losses, drawing clear lines from the event to the damage.

Can a Public Adjuster Help You Get a Larger Settlement?

It depends on the particulars of your case, but if the insurance company is undervaluing or unfairly denying your claim, there is a good chance a public adjuster can get you a more equitable settlement.

Data on policyholders who suffered hurricane damage showed that those who hired public adjusters received settlements that were 747 percent higher than settlements for those who didn’t hire a public adjuster. Policyholders with non-catastrophic damage received settlements of about 584 percent more if they had a public adjuster’s assistance.

How Much Does a Public Adjuster Cost?

Public adjusters work on a contingency basis—we don’t get paid until we settle your claim, and then we take an agreed-upon percentage.

Your initial damage inspection and policy review are free, and there is no obligation to retain our services. But if you do, you won’t owe us anything until you get paid by the insurance company.

What Causes Mold Damage?

Mold damage typically begins with moisture and warm temperatures. Any time you have an accumulation of water or moisture inside your home or office building, there is a potential for mold to move in, especially on porous surfaces like furniture, carpet, wood, or some types of wall materials. Here are some common situations that lead to mold contamination:

  • Roof damage. Roofs can leak for many reasons, including wind or hail damage, and a leak in an attic or infrequently used area of the building might not be noticed immediately. If you spot a leak, put a bucket underneath to catch the water and try to dry out the floor, then call a claims adjuster immediately.
  • Other leaks. These can come from plumbing, windows, or appliances like dishwashers or washing machines. Keep an eye out for unusual moisture or puddles under appliances or underneath sinks.
  • Weather damage from floods, hurricanes, thunderstorms, etc. After one of these events, we recommend thoroughly checking your whole house for leaks or pooled water.
  • Fire suppression. Surprisingly, fires or a triggered fire alarm system can cause mold, too—if they trigger a sprinkler system that soaks the whole room. If the fire department deems it safe to return to your building, try to dry it out and remove any pooled water. However, some items, like carpeting, can’t be dried quickly and may develop mold despite your best efforts.
  • Structural shifts. If the building shifts for any reason, leaks can occur. If you have uneven flooring or windows and doors that don’t always close correctly, it’s possible your building may be sinking, and you could suffer water damage. Ironically, water damage can also cause these structural shifts or worsen them.

How Can You Get Help From a Mold Damage Claims Adjuster in Melbourne?

Please contact Pinnacle Claim Services for a free damage inspection and policy review today. We’ll carefully assess your damage and determine what kind of work you need to eradicate the mold problem entirely and make your home safe to live in again.

At the same time, we’ll take photos and videos to document your claim and help you describe your damage in language the insurance company adjuster will find hard to ignore. Additionally, we can complete the negotiation process with the insurance company adjuster while you deal with other matters.

Pinnacle Claim Services’ public adjusters are licensed, bonded, and highly educated in the fields of damage assessment and current insurance policy matters. We understand what’s necessary to successfully file a claim, and we’ll know if the insurance company is undervaluing your damage or recommending solutions that won’t fully address the problem.

Because we work for you, not the insurance company, we will always be on your side and fight for your right to fair compensation.

Contact us for a free evaluation at (321) 384-9379


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!

Mold Damage Claims Services Areas Served

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