Severe mold damage on the ceiling of a Floridian home after a hurricane.
Severe mold damage on the ceiling of a Floridian home after a hurricane.
Naples Mold Damage Claims Adjuster

Naples Mold Damage Claims Adjuster

Imagine returning home after a storm, only to discover hidden mold creeping in the corners, silently wreaking havoc. The stress of dealing with mold damage is a common struggle for many Naples residents, and navigating the claims process can be overwhelming.

Filing mold damage claims often comes with its own set of challenges, from identifying the extent of the damage to negotiating a fair settlement with insurance companies. It’s a daunting task that can leave homeowners feeling lost and frustrated.

Enter Pinnacle Claim Services, your trusted partner in navigating the complex landscape of mold damage claims. With their expertise and unwavering support, you can turn the tide in your favor.
Call us today at (954) 466-2954 and get help for your mold damage claim.

Pinnacle Claim Services’ Naples Mold Contamination Claims Adjusters Are Here for You

Founded with a commitment to excellence, Pinnacle Claim boasts a history of successfully handling mold damage claims in Naples. With years of experience, we have become a pillar of reliability for homeowners facing these challenges.

The dedicated team behind Pinnacle are experts who bring a wealth of qualifications and hands-on experience in mold remediation and insurance claims. Our people are not just knowledgeable; they are passionate about providing top-notch service.

Our local knowledge gives us a unique edge in understanding the specific challenges Naples residents face. Combine that with personalized service and a proven track record of maximizing settlements, and you have a winning formula.

What Do Mold Damage Public Adjusters Do?

Mold damage public adjusters act as advocates for property owners dealing with mold issues and insurance claims. They specialize in navigating the complexities of these situations, aiming to ensure fair compensation for the damage.

Here’s a breakdown of their key tasks:

Initial Assessment and Guidance

  • Inspect the Property: They assess the extent of the mold damage, identify its source (if possible), and document everything thoroughly. A thorough property inspection is crucial to understand the extent of mold damage and identify its source, aiding in comprehensive remediation efforts and preventing future issues.
  • Review Insurance Policy: They analyze your policy to determine coverage for mold damage and limitations or exclusions. This ensures a clear understanding of coverage for mold damage, helping the property owner make informed decisions and avoid potential disputes during the claims process.
  • Explain Your Options: They advise you on whether it’s worth filing a claim and guide you through the process. Providing guidance on whether to file a claim helps property owners make informed choices, considering the potential benefits and drawbacks of pursuing compensation for mold damage.

Claim Assistance

  • Gather Evidence: They collect detailed documentation of the damage, including photos, videos, repair estimates, and mold testing results. This is essential to building a strong case for full compensation and facilitating a smoother claims process with the insurance company.
  • Negotiate With Insurance: They communicate with your insurance company on your behalf, presenting a comprehensive case for full compensation. Negotiation skills are vital to presenting a compelling case and increasing the likelihood of receiving fair and adequate compensation for mold damage.
  • Challenge Denials: If your claim is denied, they can investigate the reasons and work to overturn the decision. Investigating and challenging claim denials is important to address any misunderstandings or discrepancies, ensuring that valid claims are not unjustly rejected.

Maximizing Compensation

  • Identify Hidden Damage: They look for less obvious consequences of mold, such as damaged building materials behind walls or air quality issues. Finding hidden damage is crucial for thorough remediation and prevents future issues from arising due to overlooked problems.
  • Estimate Repair Costs: They work with qualified professionals to get accurate estimates for mold remediation and property repairs. Doing so allows for effective planning and budgeting of the remediation process, ensuring that all necessary repairs are addressed.
  • Secure Additional Coverage: They can help you identify applicable endorsements or riders that might expand coverage. Identifying additional options helps property owners maximize their compensation and address any gaps in their existing policy that may leave them vulnerable to future mold-related expenses.

In Contrast to the Insurer’s Adjusters…

While mold damage public adjusters represent policyholders, insurance company adjusters work for the insurance company itself. Their primary goal is to assess the validity of the claim and minimize the payout while ensuring it complies with policy terms.

This means while they may be experts in their own right, they do not necessarily have your best interests in mind. They are in charge of giving you a payout for your damages, but they are mainly concerned with saving their employers money.

What to Do After Discovering Mold Damage

Discovering mold damage in your home can be unsettling, but the good news is there are steps you can take to address it safely and effectively. Here’s a general guide:

Immediate Actions

  1. Stop the source of moisture: Mold thrives in damp environments. Identify and address the source of moisture, be it a leaky pipe, condensation issue, or poor ventilation.
  2. Contain the area: Mold spores can travel through the air. Seal off the affected room by closing windows, doors, and vents. Consider placing wet towels around cracks or doorways to minimize spore spread.
  3. Protect yourself: Wear gloves, a respirator, and safety goggles when handling moldy areas. This will help prevent inhaling spores, which can trigger respiratory issues in some people.
  4. Report the damage: Contact your insurance company immediately upon discovering mold. Delaying can negatively impact your claim.

Addressing the Mold

  1. Small areas: For mold patches smaller than 10 square feet on hard, non-porous surfaces, you can attempt DIY cleaning with a solution of 1 cup of bleach per gallon of water (higher than the recommended ⅓ cup per gallon used for bacteria and viruses). Ensure good ventilation while you clean, and avoid mixing bleach with other chemicals.
  2. Large areas or porous materials: If the mold covers a larger area, affects porous materials like carpets, or you’re unsure about tackling it yourself, it’s crucial to hire a professional mold remediation company. They have the expertise and equipment for safe and effective removal.

Additional Tips

  • Document everything: Take pictures of the mold damage and document your actions. This can be helpful for insurance claims or future reference.
  • Consider testing: If you have concerns about health risks, consider having the mold tested by a certified laboratory to identify the type and potential health implications. The costs of testing can be included in you claim later on.
  • Prevent future growth: Address any underlying moisture issues permanently and improve ventilation in your home to prevent future mold growth.

Pursuing Compensation

It isn’t uncommon for homeowners to find large holes in their budget after fixing any holes caused by mold damage. Insurance claims in the aftermath of mold damage offer an avenue for struggling households to recover resources to get life back on track.

If you’ve followed the steps we’ve outlined so far, your insurance company should now be aware of the damage to your property. Now, we’ll show you how to maximize your chances of compensation.

  • Contact a mold damage claims adjuster: You will want to take advantage of a public adjuster’s skills as soon as you are able. When they arrive at your property, they will initiate an investigation and put together all the documented evidence you have gathered so far to prepare for your claim.
  • Review your mold coverage: Most Florida homeowners’ insurance policies offer limited coverage for mold, often capped at $10,000. While, in extreme cases, this might mean you cannot recover money for all losses, your adjuster should be able to get as close to the limits of your policy as possible.
  • File Your Claim: Follow your insurer’s instructions and fill out claim forms accurately before submitting them together with supporting documentation. If you have no time to tend to this or other documents related to your claim, your adjuster will do so in your stead, ensuring all requirements are promptly and accurately met.
  • Meet With the Insurance Adjuster: The insurance company will send an agent to inspect the damage you are claiming. Your own adjuster’s findings may help speed along this process and, more importantly, may help prevent the insurance adjuster from using tactics to lowball the value you are owed.
    • If you have not had testing done, the adjuster will likely require it at this point. As before, the costs should be covered under your policy.
  • Review the estimate: Carefully review the remediation estimate for damages the insurance company provides and compare it to similar services in your area. Negotiate with the adjuster if you believe the estimate is unfair.
  • Settlement and repairs: Once an agreement is reached, the insurer will issue payment to cover the repairs. You can then proceed with the chosen remediation company.

Call Pinnacle Claim Services Today

Ready to turn the page on mold damage stress? Contact Pinnacle Claim Services in Naples for a free consultation or damage assessment.

We are premier damage adjusters with an A+ rating on the Better Business Bureau. We work on a contingency basis, which means there is no risk to you when you choose to work with us; we do not take a cent from you until we make your settlement.
Don’t let mold damage claims overwhelm you – Call Pinnacle Claim Services today at (954) 466-2954.


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!

Mold Damage Claims Services Areas Served

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