Roof with weather damage from a storm
Roof with weather damage from a storm
Melbourne Weather Damage Claims Adjuster

Melbourne Weather Damage Claims Adjuster

A dark blue car destroyed by a tree that had fallen down during a severe storm.

If your property suffers damage due to a hurricane or any other catastrophic weather event, you may have several problems to solve.

Where are you going to stay? How can you get your damage repaired? Will the insurance company cover all your expenses? What if your claim is denied? 

Without the guidance of an experienced professional, you could find yourself spending considerable time filing an insurance claim without results. In some cases, you might receive an offer for less than you expected, or you may even receive a claim denial from the insurance company.

What Can a Melbourne Storm Damage Claims Adjuster Do to Help?

Our primary job is to meticulously assess all the damage stemming from the weather event and then assist you with documenting and filing the claim. This includes noting details like exposed nails, shattered windows, loosened or missing shingles, clogged or hanging gutters, fencing, or window screen enclosures.

Our public storm damage claims adjusters know what to look for in each situation and will carefully photograph all damage, big or small. This allows us to build a solid basis for your claim and improve the likelihood that it will be approved.

Won’t the Insurance Company Assign an Adjuster for Your Claim?

Yes, every claim is assigned to an adjuster at the insurance company. The difference is that the insurance carrier’s adjuster is focused on saving the company money.

In evaluating your claim, they will look for any reason to reject it based on the many specifications of the policy. If they can’t find any, they may approve paying to fix your damage in the most inexpensive way possible.

Sometimes, that’s all you need—but in other cases, the cheap solution isn’t the best, and you may have further problems.

On the other hand, a public adjuster works for you, and their goal is to ensure you receive the compensation you deserve from the insurance company—while the insurance company adjuster’s goal is to ensure you receive as little compensation as possible.

What Kinds of Damage Can a Weather Damage Claims Adjuster Help With?

Weather damage can lead to all sorts of problems, and our public adjusters are experienced with all of them. Here are some of the more common issues we evaluate:

  • Broken windows. Wind, hail, flying debris—it doesn’t take much to knock out a window. Our adjusters will examine the window, but we’ll also look at the frame and surrounding wall to learn if there is any additional damage.
  • Clogged pipes. Higher than normal volumes of water, storm runoff, and debris like leaves and twigs can clog pipes in and around your home, leading to water damage and plumbing problems.
  • Roof leaks. Weather events can be hard on your roof, from wind tearing off shingles to hail punching holes in the roof. Unfortunately, even a small leak can cause serious water damage inside your home, so you’ll need help with roof repair right away. Our public adjusters will carefully assess the problem and determine the best way to stop the leak and fix any existing water damage.
  • Appliance issues. Another side effect of water damage is difficulty with electrical systems. If one of your appliances was exposed to flood water, a leak, or a strong power surge, it could have suffered electrical damage. These issues can be challenging to diagnose and repair; in some cases, the best solution is to replace the unit. Often, appliance damage is overlooked, so your public adjuster will examine any household appliances that might have been affected.
  • Structural or furniture damage. Water can easily seep into walls and other structures and frequently creates a perfect environment for mold to grow. Furniture is also easily affected, especially soft surfaces like couch or chair cushions that soak up water and moisture. We’ll examine the walls, floors, and furniture items for signs of water damage and early indications of mold to ensure you receive compensation for these issues as well.

How Expensive is Hurricane Insurance in Melbourne?

Hurricane insurance is essential in Florida, but people often have concerns about cost. It’s important to understand that different insurers may have slightly higher or lower prices, but there could also be differences in coverage, so you should read any potential policy carefully.

Most homeowner’s insurance policies will include some type of hurricane coverage, but you will need to buy flood insurance separately. If you consider the cost of both types of insurance, hurricane coverage averages around $2,555 a year.

You may be able to get that cost down with a higher deductible, but then you will also pay more before your insurance kicks in if you have hurricane damage. For this reason, a lower-premium policy may sometimes cost you more in the long run.

What About Other Types of Weather Damage?

Most policies will cover losses sustained due to rain, wind, hail, or flying debris. However, many individual policies add a deductible or require you to pay extra for damage explicitly caused by a hurricane as opposed to a regular rain storm.

Your public adjuster will review your policy and help you understand what is and isn’t covered.

Will Your Renter’s Insurance Cover Hurricane Damage?

It depends on how the loss occurred. Renter’s insurance will usually cover damage from rain and wind but not flood or storm surge damage, and you can buy additional policies to cover these situations.

Typically, issues like internal leaks or rain damage will be covered, but you will need to check your policy to be sure. One piece of good news is that, unlike homeowner’s insurance, renter’s policies usually don’t require a specific deductible for hurricane damage.

Note, however, that you will still need to pay the standard deductible for the policy, which is often $250 or $500.

What Will Your Storm Damage Claims Adjuster Do When Visiting the Site?

A local claims adjuster can usually visit your home or office building quickly, while your insurance company adjuster might keep you waiting for several weeks. We know that you need to get back into your home or building as soon as possible, and we’ll make it a priority to send someone out as fast as we can.

Once your public adjuster arrives, they will perform several services designed to help maximize your insurance settlement:

  • Inspecting the damage. We know all the ways that insurance company adjusters will try to minimize damage or dismiss it as unrelated to a covered weather event. As a result, our adjusters will take their time carefully inspecting both the area you flagged as damaged and the surrounding areas to get a better idea of how the destruction occurred. We’ll also document what we find, using photos or video to show exactly how a covered event damaged the structure or item.
  • Reviewing your insurance policy. Another thing we’re familiar with is how many questions our clients often have about their insurance policy. Unfortunately, these policies are often written in a complicated and confusing way that few people outside of the insurance industry understand. Our public adjusters are thoroughly educated on insurance policy language and are happy to answer questions and explain what is and isn’t covered.
  • Reviewing your claim. Frequently, clients want to know what they should do differently if their claim has already been rejected. Or, they might want to know if their claim is correct before they submit it for the first time. We’re happy to review what you’ve got so far, make suggestions, and add photos or other documentation to make it more likely the insurance company will approve your claim. Additionally, we can review your rejected claim and advise you on how to resubmit with more evidence or a more detailed explanation of what happened.
  • Negotiating with the insurance carrier. Many people dread calling the insurance company to explain why they need a new roof instead of a few new shingles or to argue their case for more coverage. Unfortunately, this is often both stressful and necessary, so your public adjuster can handle the negotiation process for you. We know how to fight for the compensation you deserve and will work to get the largest settlement possible.
  • Recommending contractors. We encourage clients to get as many quotes as they can from different contractors, but if you aren’t sure where to start or have concerns about quality or legitimacy, we can recommend contractors we’ve worked with successfully over the years. 

How Can You Get Help From a Melbourne Weather Damage Claims Adjuster Today?

After any natural disaster or weather damage event, Pinnacle Claim Services is always ready to assist policyholders with assessing, documenting, and seeking compensation for their storm damage. Please contact us at (321) 384-9379 right away for a free inspection and policy review.

There is no obligation, and if you retain our services, we won’t charge you anything until we successfully settle your claim.

Pinnacle Claim Services only uses licensed and bonded public adjusters who are experienced in a broad range of weather damage and other types of home or office losses. Our adjusters are highly trained and stay up to date on the latest trends in the insurance industry and weather repair.

FREE 3 STEP PROCESS

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

LET US PERFORM A FULL REVIEW OF YOUR INSURANCE POLICY TO MAKE SURE YOU HAVE THE CORRECT COVERAGE!

1
Damage Inspection

Damage Inspection

2
Insurance Policy Review

Insurance Policy Review

3
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.
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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

THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.