Deerfield Florida
Deerfield Florida
Palm Beach Gardens Commercial Claims Public Adjuster

Palm Beach Gardens Commercial Claims Public Adjuster

A construction worker's hat hanging on a concrete pillar in a building closed for renovations.

All businesses come with risks, but some risks are so great that they can put you out of business. That’s why nearly all commercial operations hedge against this risk by investing in multiple types of insurance so they can be protected when the most devastating types of circumstances strike.

The only challenge is that insurers don’t always want to pay up the promised benefits when it comes time to actually file a claim! You may be investigated thoroughly by an adjuster or told that your particular situation doesn’t meet the criteria for your expected level of coverage.

Moments like these are why our public adjusters exist. We represent your personal and business interests during the claims process, helping push for the maximum amount of benefits available in all coverage areas. Whether you’ve suffered from a disaster, like a major storm, or had a period of unexpected business interruption caused by outside circumstances, Pinnacle Claims Services has got your back. 
We’re ready to dig into the work of documenting your claim and exploring all available options for finding the coverage you need to stay afloat. Schedule a claims review, policy review, and damages investigation with our experienced Palm Beach Gardens commercial claims public adjusters when you call 954-466-2954 or contact us online.

Palm Beach Gardens Commercial Insurance Claims Services Protect You From Underpayment

Commercial claims involve many diverse areas of coverage. Understanding how all of this coverage works — and when it may apply — can quickly overwhelm you.

More to the point, you can find accessing insurance benefits much more difficult than you expected when you choose to go it alone. Insurers act friendly and inspire confidence when you’re purchasing the policy, but when it comes time to collect on a claim, they’re singing a different song.

They may deny benefits or coverage for a multitude of reasons, and it can be tough to sort out what you truly should be owed amidst all of the bureaucracy and technical jargon.

Turning to our commercial claims public adjuster services can help you sort through all of the talk to get to the heart of what coverage you have, what it should cover, and what losses you have suffered that should apply. We not only familiarize ourselves with your policy — inside and out — but we also push back when insurers want to allege that certain things aren’t covered.

We’ve handled tens of thousands of claims in our years of business, while you may have only dealt with a few. Let us use our knowledge and experience to make life easier while pursuing the maximum level of benefits possible for the losses you have suffered.

Pinnacle Serves Countless Businesses In Palm Beach Gardens

Our public adjusters are proud to serve all types of business owners managing commercial loss claims throughout the state, such as:

  • Apartment complexes
  • Banks
  • Campus housing, dorms, and administration buildings
  • Churches, synagogues, temples
  • Condominium associations
  • Correctional facilities
  • Defense contractors
  • Educational institutions
  • Hospitals and doctors’ offices
  • Hotels and motels
  • Industrial parks
  • Multi-family properties
  • Office buildings and office parks
  • Production plants/manufacturing
  • Recycling plants and scrap facilities
  • Retirement communities
  • Shopping and retail
  • State and municipal entities
  • Warehouses and distribution facilities

What Does Commercial Insurance Cover?

While every insurance policy may vary slightly, a standard commercial loss policy will cover a majority of – if not all of – the following damaging events:

  • Business interruption
  • Business interruption insurance claims
  • Commercial loss claims
  • Commercial property damage claims
  • Condominium and HOA claims in Palm Beach Gardens
  • Equipment damage
  • Fire and smoke damage
  • Floods
  • Foundation leaks
  • Hail
  • Hurricanes
  • Loss of use
  • Mold
  • Natural disasters
  • Other weather damages
  • Tornadoes
  • Tropical storms
  • Vandalism and theft
  • Water damage from leaks, burst pipes

What Are The Most Common Causes of Commercial Claims?

Every year, millions of commercial loss claims are filed. A commercial loss insurance policy may cover a wide variety of causes that contribute to the financial hardship of the facility, but some damaging events are known to be more common. 

The following shortlist makes up the majority of commercial loss insurance claims filed every year: 

What Are The Steps To Filing a Commercial Claim?

A commercial loss claimant will walk through each of the following steps when filing a commercial loss claim: 

  1. Report the loss and call a public adjuster: As soon as the issue or loss even is discovered, a policyholder should immediately notify their insurer. Promptly addressing any property damage will prevent any problems from worsening on your property and, in turn, will create a claim process. 
  2. Get a damage inspection, for a property claim: Property damage claims tend to move quickly after the initial notice, so expect your insurer to schedule a damage inspection soon after you report. On-site, a hired contractor will take a personal look at the damage and record their findings. When you hire a public adjuster, they will send another independent contractor to the property for a separate inspection. Adding a second pair of eyes to the damage will help avoid any discrepancies. 
  3. Valuing the covered reconstruction costs: Once the extent of the damage has been evaluated, both the claim adjuster and your hired public adjuster will estimate the cost of restoring the property. You will be tasked with submitting evidence to prove the costs that you are currently facing as the property owner, and your adjuster can help you secure compensation for additional related costs that you could face in the future.  
  4. Negotiating the final settlement: Even after putting together a thorough estimate of the cost of restoration, you and your insurer will require a negotiation to settle the final amount. Your public adjuster can negotiate on your behalf, but it is ultimately your decision to accept or deny an offer. Having a public adjuster on your side can help you avoid being undervalued and walking away with a lowball settlement. 
  5. Restoration: The final step of a successful commercial loss claim is beginning a new chapter with the property. A business loss claim can result in a physical building restoration or economic rehabilitation after a business interruption, like a robbery. Your public adjuster will still be a valuable resource even after the claim is settled, offering guidance where applicable for restoration. 

Don’t Make These Mistakes When Filing a Commercial Claim

Hiring a public adjuster can safeguard a commercial loss claimant’s financial recovery, preventing out-of-pocket expenses later. 

Once a claim is settled, there is no going back. However, your public adjuster can help you avoid making critical mistakes and falling for tactics that undervalue your claim.

Any of these mistakes can severely jeopardize the outcome of a commercial loss claim:

  • Delay reporting: When you report a loss, the insurer will investigate and determine how long the problem has been left unaddressed. The insurance company can deny a commercial loss claim if they suspect that the property owner or tenant neglected maintenance and severely worsened the damage, for example.
  • Fail to preserve evidence: When the insurance adjuster is ready to value your claim’s worth, it is essential that the claimant provide extensive proof of what expenses they currently face. Without proper documentation, a claimant may be forced to pay for the cost from their own pocket. 
  • Send incomplete documentation: Filing paperwork can be tedious and annoying, but it is crucial nonetheless. If documents are filled in incorrectly or are incomplete, the claim process can be delayed or even denied. 
  • Fail to make attempts to mitigate the damage: Once a property owner notices damage, they should brainstorm ways to prevent it from getting worse. However, there is a fine line between mitigating damage and attempting to fix the problem yourself. Full repairs are never advised, but simple measures to stop the problem from worsening can be beneficial. For example, a property owner who faces extreme water damage can rent fans to dry out the area. The expense of purchasing new fans may even be reimbursed in the insurance claim. 
  • Accept the first settlement offer: A commercial loss claim can be a nerve-wracking process, especially if you have limited experience. Many claimants may feel pressured to take the first settlement offer, even if it massively undervalues their claim. These offers are a tactic insurers use to save the company a few bucks at your expense, and it can actively discourage a claimant from believing their claim is worth more. 

Hiring a claims representative from Pinnacle can help you avoid all of these critical mistakes while also giving you the knowledge and documentation you need to fight for all benefits that should be provided for your claim.

Do You Know What Your Commercial Loss Claim Is Worth? Talk to a Pinnacle Claim Services Public Adjuster

Pinnacle Claim Services is a dedicated Palm Beach Gardens public adjusting firm that has spent years serving members of the local community. We have associates standing by to help you schedule a no-obligation consultation with a licensed adjuster. 
Our live claim experts are available 24/7 to take your call. Meet with a Palm Beach Gardens commercial loss public adjuster — call 954-466-2954 or contact us online today.


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 Palm Beach Gardens!

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