Roof with weather damage from a storm
Roof with weather damage from a storm
Weather Damage

Florida Weather Damage Claims Adjuster

Weather Damage Claims Adjuster 

If your property sustains damage from a hurricane or other catastrophic weather event, it’s important to have an expert like a public adjuster by your side. Without an experienced public adjuster like Pinnacle in your corner, you may end up with plenty of wasted time and money. 

We aim to look for all damage resulting from that incident, whether it’s exposed nails, broken windows, loose or missing shingles, damaged gutters, fencing, or screen enclosures. Doing so will help you maximize the total amount you receive from your settlement. We want you to be able to cover the costs of all repairs needed to restore your house and return to a normal life. 

Let Pinnacle Claim Services work with you to obtain the settlement you deserve for your property loss. Because we value clients like you, we offer a free damage inspection, policy review, and claim evaluation. You can easily take advantage of this offer by contacting us at (866) 508-5084 or filling out our contact form.

Services You Can Count On 

By hiring Pinnacle Claim Services, you’re working with reputable public adjusters who will evaluate the extent of your loss and help you handle every aspect of your hurricane damage insurance claim. And with their help, you can rest assured that, at the very least, you’ll have the best chances of receiving compensation for:

  • Broken windows
  • Clogged pipes
  • Roof leak
  • Appliance issues
  • Damage to flooring, walls, and furniture

Experiencing property loss can be devastating, but with our professional public adjusters, you can fight to maximize your insurance settlement to cover all benefit areas and have peace of mind. 

We Work for You, Not the Insurance Company

Insurance companies want to benefit themselves as much as possible when handling claims. And any company, including any water mitigation company that your insurer hires, is working for them. They have contractual obligations with your insurer, not you! This means your insurance company is highly incentivized to prioritize profit over your family’s safety and wellbeing. 

You, your home, and your bank account may be the least of their concerns, but that certainly isn’t the case with our public adjusters at Pinnacle. Our priority is to help you, and with the help of our skillful adjusters, we’ll work to obtain a fair settlement and get you the money you deserve. 

Insurers want you to think they have all the power because all the professionals work under their supervision. Get the professionals who work for you fighting to help you understand the claims process and look through every word of your policy to see what benefits you should be owed based on your property damage.

How Much is Hurricane Insurance in Florida? 

It’s a well-known fact that Florida is a hurricane-prone state. Six of the ten costliest hurricanes in US history took place in Florida. 

If you live in Florida, you may be asking, “How much is hurricane insurance in Florida?” 

Here’s the short answer: Florida hurricane insurance varies depending on the coverage you purchase, but the good news is that most homeowner’s policies will include certain hurricane coverage benefits.

On average, homeowners in Florida pay $2,047 per year for homeowners insurance. On the other hand, renters pay an average of $119 annually for renters insurance, which is quite similar to homeowners insurance when covering weather damage. 

Policies can be cheaper for insurance policies that include a higher deductible, but that would leave you paying more out-of-pocket for repairs before your coverage kicks in. Many Florida insurance policies also include a second deductible for damages caused by windstorms generated as part of a named storm system.

Finally, know that hurricane insurance does not provide coverage for flooding, which must be purchased in a separate National Flood Insurance Program (NFIP) policy.

Does Insurance Cover Weather Damage? 

If you live in Florida, you’re probably wondering whether your homeowner’s insurance policy covers damages caused by storm surges or floods. In this section, we’ll be going over homeowner’s and renter’s insurance, what they include, and whether they cover hurricane and other Florida weather damage. 

Does Homeowners Insurance Cover Hurricane Damage? 

Almost all homeowners living in hurricane-prone states like Florida have asked that same question. In most cases, you can expect your homeowner’s insurance to cover damage to your property caused by rain, wind, or falling/flying debris from a hurricane. 

That being said, depending on your insurance company and circumstances specific to you and your home, you might be required to add a special insurance rider to your homeowner’s policy or pay a hurricane deductible when your property gets hurricane-related damage. 

Since Florida is a high-risk state for hurricanes, it’s quite likely that you’ll be required to pay a deductible for hurricane coverage. 

Although Florida homeowners insurance policies cover hurricane damage, you need to remember that it doesn’t cover damage resulting from hurricane-induced floods or storm surges. You’ll have to buy separate flood insurance coverage for that type of damage. If you live in an area in Florida that’s particularly vulnerable to hurricanes (such as South Florida) and your home is subject to a mortgage, the bank may require you to purchase flood insurance as an addition to your homeowner’s insurance. 

Does Renters Insurance Cover Hurricane Damage? 

Similar to homeowners insurance, renters insurance covers hurricane damage but not damage resulting from floods or storm surges caused by a hurricane. However, because what’s considered flood damage can vary and be quite nuanced, you must understand what kinds of water damage are excluded from your renter’s insurance policy. 

In most cases, covered water damage includes internal leaks and rain damage resulting from your apartment’s structure being damaged. 

Because renters insurance, like homeowners insurance, won’t cover you if the damage is caused by an uncovered peril such as flooding, you’ll need to purchase separate flood insurance coverage. 

But one difference between renters insurance and homeowners insurance is that while the latter may require you to pay a hurricane deductible in the event your property gets damaged in a hurricane, renters insurance has no such requirement. 

If your rental property gets damaged and you need to file a claim, you’ll need to pay your set deductible, typically $250 or $500, before your insurer sends you the funds. 

Hire a Public Adjuster You Can Trust 

As you can see, having a homeowners or renters insurance policy can be quite expensive, especially if you live in a hurricane-prone state like Florida.  And you may end up paying excessive amounts for storm damage if you don’t get a fair settlement from your insurance company. 

That’s why Pinnacle Claim Services is here. We know you have many options when hiring a Florida public adjuster, but we also know that our experienced public adjusters are top-rated adjusters who are dedicated to fighting on your behalf and helping you get the money you deserve from your insurance claim. 

Our services come at no up-front cost, and we always provide the following at no charge:

  • Free damage inspection
  • Free policy review
  • Free claim evaluation

For a free consultation and review, contact us at (866) 508-5084 or fill out our contact form to speak to a Florida public adjuster who can come to you fast!


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!

Weather Damage Claims Services Areas Served

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

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