Deerfield Florida
Deerfield Florida
Naples Commercial Loss Public Adjuster

Naples Commercial Loss Public Adjuster

Ongoing repairs inside a building that was damaged by a storm.

Naples may not be as large as other major Florida cities, but it still thrives with endless summer weather, a strong community, and local businesses. However, even the most prepared business owners can find themselves at a loss when they realize they have suffered damages that have had a major impact on their business space.

Residents and business owners alike are exposed to risk each day, whether it be a catastrophic weather event, like a hurricane, or dealing with theft, accidents, and more.

With a commercial insurance policy, one would expect to have the chance to file a claim as needed but quickly find that insurance companies are not exactly willing to pay. Fortunately, commercial loss claims do not need to be handled alone.

At Pinnacle Claims Services, we recognize businesses’ unique challenges when dealing with insurance and do our best to create a solid claim. If your business has experienced a loss due to natural disasters, property damage, or other unforeseen events, we encourage you to contact us right away.Call us today at 954-466-2954 or contact us online to schedule a review of your policy, your claim, and the benefits you may be eligible to receive.

How Naples Commercial Loss Public Adjuster Services Can Help

Navigating the aftermath of a commercial loss can be a discouraging task, especially when dealing with insurance companies. This is where a commercial loss public adjuster acts as a crucial ally for businesses and other property owners.

Public adjusters are licensed professionals and experts in assessing, documenting, and negotiating commercial insurance claims. Whether your property has suffered severe damage, inventory loss, or disruptions requiring a separate business interruption claim, a commercial loss public adjuster conducts a thorough assessment, details documentation, and applies their industry expertise to interpret complicated insurance terms and policies.

With a focus on a fair payout in mind, adjusters are skilled in negotiating with insurance companies to seek a satisfying settlement. Insurance claims, especially policies involving business loss, require a certain set of experience, knowledge, time, and negotiation skills that not every business owner has time for.

Hiring a public adjuster is key to optimizing your focus on what matters: opening your doors and resuming business as usual. In the challenging area of commercial losses, commercial loss public adjusters become an indispensable ally when seeking just compensation for your claim.

Understanding the Role of a Commercial Loss Public Adjuster

Understanding the role of commercial loss public adjuster services starts with knowing what a commercial loss is. A commercial loss is a financial setback experienced by a business as a result of an unforeseen event that causes damages and business disruption.

That’s why business owners are encouraged to buy commercial property insurance.

Like homeownership, certain risks are prevalent where you operate your business; qualifying events include a wide range of scenarios. These scenarios include but are not limited to, natural disasters, accidents, theft, vandalism, or other incidents that lead to property damage, inventory loss, business interruption, and associated economic impacts. 

The consequences of a commercial loss typically extend past the immediate physical damage, often affecting a business’s ability to generate revenue and maintain regular operations — and threaten the business’s general health and financial stability.

A commercial loss public adjuster is a licensed professional who works on behalf of business owners to assess, document, and negotiate insurance claims. These experts specialize in commercial losses, helping business owners navigate the challenges of submitting an insurance claim and do what they can to optimize the payout settlement.

According to a report from the Office of Program Policy Analysis & Government Accountability (OPPAGA), policyholders with public adjuster representation recovered an average of five times more from damages than policyholders would have received handling their own claims. The same report also concluded that policyholders who had public adjuster assistance in the process of filing claims for the 2005 hurricane season received 747% higher payments.

There are some examples of how a commercial loss public adjuster can assist you in your claim:

  • Thorough assessment of damages — Commercial losses take on various forms, with each situation sharing similarities but distinct uniqueness from other cases. An expert public adjuster conducts a comprehensive assessment to understand the extent of the damages and identify all policy terms that apply to your insurance claim.
  • Expert documentation — Detail-oriented documentation is necessary to create a solid claim. With images, receipts, and data reports showing the degree of damages, the evidence submitted to your insurance provider is solid and supported to make the negotiation process easier. This includes assessing property damage, evaluating possible business interruption costs (if this additional insurance was purchased), and accounting for additional expenses.
  • Policy expertise — Insurance terms and policies and local laws are written in a way that sometimes challenges business owners to decipher. A knowledgeable public adjuster understands the differences between policies and uses their terms and conditions to apply to your case. Commercial public adjusters handle many claims each year, becoming quickly familiar with their terms and how they affect your claim.
  • Negotiation experience — Insurance companies may attempt to lowball payouts or deny claims altogether. A commercial loss public adjuster is well-versed in negotiation techniques, standing up for the compensation business owners are entitled to. Their goal is to seek a just settlement covering all aspects of the commercial loss.
  • Reasonable claim settlement amount — With in-depth knowledge of insurance policies and claims processes, a commercial loss public adjuster increases the chances of securing a favorable settlement.
  • Protection of business interests — Businesses need to remain in operation to stay profitable, but when an event forces them to shut their doors, the financial stability of the whole operation may become compromised. Having an expert public adjuster on their side helps them resolve their claims sooner and be open for business.

Common Types of Commercial Losses

Commercial losses happen to a business in many ways, including inclement weather, theft, and structural damages. These types of events are detailed in your policy, so it is important to understand your amount of coverage before approaching an insurance claim.

Your adjuster will review and apply amounts as they fit to your damages.

Natural Disasters

Natural disasters, such as hurricanes, hail, floods, tornadoes, wildfires, and other catastrophes, can significantly impact a business. Typically, when some of these storms are predicted, there is a chance that governmental orders will lead to a shutdown, forcing businesses to close temporarily once the disaster is over or under control.

The operational disruptions create significant financial strains, putting businesses at risk of closing their doors for good.


Car accidents, slip-and-falls, and equipment failure are some examples of accidents that can have a severe financial impact on a business. For example, if a person slips on a wet floor—even if there is a sign—and seeks compensation for their injuries, the business owner can incur thousands of dollars in medical bills.


Theft does not just refer to a break-in. Burglary is a huge component of theft, but it can also happen through shoplifting, employee theft, and vandalism. These criminal activities can create massive losses in inventory and significant property damage, costing business owners dearly.

Structural Damage

Structural damage can be a severe setback for businesses, posing risks to the safety of employees, disrupting operations, and leading to financial losses. They are also costly to repair and pose additional risks to the physical integrity of the building and the functionality of equipment and general infrastructure.

Electrical Damage

Power surges, lightning strikes, faulty wiring, and equipment malfunctions are just a few examples of electrical damage. When electrical systems fail, they lead to damaged appliances, electronics, and even structural fires.

In the case of a store whose inventory is sales of electrical items or requires electricity to process transactions, it can significantly disrupt business operations and income.

The Difficulties of Insurance Coverage and Commercial Loss Claims

One common challenge in commercial insurance policies is the numerous terms, conditions, and exclusions that exist in a policy. These are not written in a way that is easy to understand, and business owners may find them confusing, contradicting, and overall overwhelming to apply to their claims.

Another difficulty arises when insurance companies attempt to minimize payouts or deny claims. Business owners may believe they have all the evidence necessary to support their claim, but insurance companies are prepared with strategies and pressuring tactics to convince policyholders to forgo the amounts they are owed.

Even when working with a public adjuster, their tactics may result in prolonged disputes and delays in receiving the rightful compensation. However, a public adjuster is aware and familiar with these and knows how to respond and what to provide if your insurer is arguing otherwise.

Overall, the dispute period is shortened, and your claim has substantial support.

Let Us Be Your Naples Business Loss Public Adjusters

Navigating the process of commercial property loss can be overwhelming, especially when undertaken independently. However, the process is easier when you call Pinnacle Claim Services.

Our dedicated experts are here to stand by you every step of the way and do whatever is possible to ensure a satisfying payout.

Don’t let insurers pressure you to accept less than you are owed and bear unnecessary out-of-pocket expenses. Call Pinnacle Claims Services today, and let us show you how our services will help you.Give us a call at 954-466-2954 or contact us online to get started fighting for more with your claim.


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


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Damage Inspection

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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!

Trust Pinnacle Claim Services, Inc: Your Local Top-Rated, Licensed & Insured Public Adjusters in Naples!

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