CALIFORNIA PUBLIC ADJUSTERS
We Represent the Insured Exclusively
RESIDENTIAL & COMMERCIAL INSURANCE CLAIMS
Los Angeles County, Inland Empire, Riverside County, San Bernardino County, Orange County, Santa Barbara County, Ventura County
While the Pacific Palisades Fires have subsided, homeowners are struggling to rebuild their lives and one of the obstacles in their way is the harsh reality of underpaid insurance claims that only add to the difficulty of what they are going through.
According to Bloomberg's research, almost 40% of post-fire claims were underpaid, based on an analysis on policy and claims data from California wildfires from the 2010s to the 2020s.
Don't let this happen to you! While you rightfully expect your insurance company to step up and pay the claim as they said they would, these insurance companies are businesses that are incentivized to maximize their profits while minimizing payouts.
This is where turning to California Public Adjusters comes in. We provide a much needed service for policyholders to help you through the process of filing a property damage claim in order to level the playing field. Use our insurance claim expertise, let us help you through the process so that your claim will be paid fairly and that the maximum settlement for your Pacific Palisades Fire Loss Claim is paid.
Homeowners dealing with Pacific Palisades Underpaid Fire Home Insurance Claims can turn to California Public Adjusters serving Malibu, Eaton, Sierra Madre and Altadena, California Property Owners affected by the recent wildfires who are rebuilding their properties and in need of fair compensation by their insurance companies.
Send us your Home Insurance Declaration details and call for a Free Consultation: 310-929-9620
Don't Get Underpaid - Assert Your Rights, Get Proper Compensation with PACIFIC PALISADES Underpaid Fire 🔥 Home Insurance Claim Adjusters
In the Bloomberg report, researchers found out that 40% of post-fire claims were underpaid. Worse yet, homeowners typically receive only about 72% of what they’re legally entitled to, possibly due to reluctance in engaging in lengthy, difficult negotiations with “unsympathetic customer service agents” according to the Bloomberg findings.
The Bloomberg report also found out that households receive $200,000 to $300,000 less than what they are entitled to under California law.
Underpaying claims is a common tactic by property insurance companies, done to keep their own profits high. Unaware policyholders are appeased but at the same time the insurance company is still minimizing payouts.
There are several reasons why insurance companies underpay claims, such as:
Narrowly Reading Your Policy
Insurers are known to interpret seemingly benign policy language in a narrow way to exclude certain damage or repairs. Recognize underpayment by familiarizing yourself with the language in your policy.
Paying Actual Cash Value
Home insurers will try to pay Actual Cash Value (ACV) than the full repair or replacement cost in order to save money.
Underestimating Labor Cost
This is a common tactic used by insurance adjusters, they will correctly estimate the cost of materials to repair your home but then underestimate the labor cost required by the entire process, giving you an unrealistically low estimate from the beginning in the hopes that it slips notice and goes unchallenged.
Underpaying is an alternative to denying payment. Because people are more likely to resist a total denial of a claim, they offer a small amount in the hopes that the policyholder takes the money gratefully.
Steps To Take In Case Of Fire Home Insurance Underpayment
Read the policy to familiarize yourself with the exact wording.
Gather more evidence to support your claim comprehensively.
Contact your agent or claims adjuster to object to the low estimate given and ask for a new estimate.
If there is no improvement after this then it is recommended to hire an independent appraiser to assess the damage and offer a more objective estimate. You can use this estimate to make your case with the insurer.
Find Out Why Your Claim Was Denied or Underpaid
Request that your insurer provides a letter explaining the reason why your claim is being denied or underpaid, showing what damages are not being covered. If you don't understand why your claim was denied or if the reason provided seems clear or ambiguous do not hesitate to contact your insurance company.
Know Your Rights
Denied coverage or underpayment can be the result of misunderstanding from your insurance company so knowing your rights under your property insurance policy will enable you to highlight discrepancies to your insurance adjuster's attention and appeal denied coverage or underpayment.
Comprehensive Documentation
A lack of documentation may be one of the reasons why claims are denied or underpaid. The documentation must show the true extent or cost of the damage to the insurance company's satisfaction so take all of the photos and recordings you can. Review all the documentation you have including dates, times, photos and steps you’ve taken to protect your property.
Request Second Inspections
You can request a second inspection if you disagree with your insurance company’s assessment of your property and the extent of the damages. Another separate adjuster will usually be the one to perform this.
Seek Professional Aid
Most people are at a disadvantage when filing a property damage claim as they lack prior insurance claim knowledge or experience. Hiring an insurance claim expert like California Public Adjusters can help even the odds so you can get your claim fairly assessed, resulting in the maximum settlement for your claim being paid.
90265 Malibu, California
Known for its celebrity homes and beaches, including wide and sandy Zuma Beach, Malibu is a city west of Los Angeles that boasts a Mediterranean climate and is the location of the homes of numerous affluent Hollywood celebrities and executives. Living in Malibu offers residents a sparse suburban feel and most residents own their homes. In Malibu there are a lot of restaurants, coffee shops, and parks.
Malibu Homeowners in the process of rebuilding or repairing their domiciles affected by the terrible LA Fires can make the recovery process go smoothly by getting fairly compensated by insurance companies. Build a strong case for your Fire Loss Claims and avoid being underpaid or getting denied by having independent California Public Adjusters do the assessment, we are on your side, we will determine the proper cost of the losses without underestimating the values of the damaged property or labor expenses.
91107 Eaton, California
A major canyon beginning at the Eaton Saddle near Mount Markham and San Gabriel Peak in the San Gabriel Mountains in the Angeles National Forest, Eaton is well known as a nature center with outstanding trails and landmarks such as the Eaton Canyon Natural Area Park, the Eaton Canyon Falls, a golf course and a reservoir and dam.
The LA Fires began in the Eaton Canyon in the San Gabriel Mountains before strong winds drove it towards populated areas like the foothill communities of Altadena. Homeowners affected by the Eaton Fires and concerned that their post-fire claims might be underpaid can turn to California Public Adjusters, we will help you build a strong case with proper documentation and resources so you can get fairly compensated.
91024, 91025 Sierra Madre, California
Sierra Madre is a city in Los Angeles County, California in the foothills of the San Gabriel Valley below the southern edge of the Angeles National Forest. Pasadena and Altadena are to its west, with Arcadia to its south and east. The city known for its small-town charm and picturesque setting at the foothills of the San Gabriel Mountains boasting serene neighborhoods and green space.
Dealing with unfair insurance companies trying to narrowly read your policy, underestimate labor costs or underpay you by offering Actual Cash Value (ACV) instead of full repair or replacement costs? 91024, 91025 Sierra Madre Homeowners can get the proper compensation you deserve in full, let California Public Adjusters help you build your case with proper documentation, our professional expert services will even the odds so you can get the maximum settlement.
91001 Altadena, California
Altadena is known for its artistic, outdoorsy small community feel and proximity to the foothills that makes it a charming community nestled in scenic hillsides, boasting a fascinating history and a vibrant scene. Located in the San Gabriel Valley and the Verdugos region of Los Angeles County directly north of Pasadena and 14 miles from Downtown Los Angeles, Altadena boasts a number of hiking trails, a botanical garden, large county parks, idyllic picnic grounds, play areas and other recreational areas.
Altadena Homeowners worried about having their Fire Loss Home Insurance Claims denied or underpaid can even the odds by turning to the experienced professionals of California Public Adjusters, we will gather the needed evidence comprehensively and give proper fair assessments of the damages while going through all the details of your coverage to present a proper case so you will be paid fairly and can move on with rebuilding your property.
90272 Pacific Palisades, California
Pacific Palisades is an affluent residential neighborhood tucked between the Santa Monica Mountains and the Pacific Ocean. It is a posh, peaceful residential neighborhood with huge private houses, breathtaking ocean vistas, and plenty of park space and hiking paths.
90272 Pacific Palisades Property Owners can restore their abodes to their former glory and repair all the damages, California Public Adjusters will help you win your Fire Loss Claims and get the maximum settlement you are entitled to so you can return to rebuilding your lives and properties.
We at California Public Adjusters ensures every client that they get the MAXIMUM SETTLEMENT for their LOSS to return back to WHOLE
Serving Residential & Commercial Clients in and around Los Angeles County, Inland Empire, Orange County, Riverside County, San Bernardino County, Santa Barbara County, Ventura County
OUR EXPERT PUBLIC INSURANCE ADJUSTERS STANDS OUT FOR OUR COMMITMENT TO EXCEEDING CUSTOMERS EXPECTATIONS
We try our best to deliver a “wow” experience to the policyholder every step of the way while supporting your need to settle any property claim. We aim to deliver the highest quality customer service while maximizing claims. We are subject matter experts in the insurance industry, striving to be Florida’s best public insurance adjusters.
OUR PUBLIC ADJUSTING SERVICES
Reach out to California Public Adjusters - The Trusted Insurance Public Adjusters in Southern California. Our licensed professional license adjusters will help inspect your property loss or damage to assess what should be included in the estimate and what’s owed to you. We will also submit all documentation to the carrier and fight with them to get you every dollar you’re owed, not a penny less. Lastly, we will apply all missing line items with proper documentation proving that a supplemental payment is needed.
We Represent the Insured Exclusively
Getting the Insured the Maximum Settlement for the Loss to return back to Whole
INSURANCE CLAIM MANAGEMENT THROUGHOUT CALIFORNIA
MONDAYS TO SATURDAYS
8:00AM TO 5:00PM
CALL TO SPEAK WITH A CALIFORNIA PUBLIC ADJUSTER
888-688-5078
LOS ANGELES 310-929-9620
INLAND EMPIRE 909-414-2337
SAN GABRIEL 626-788-8599
ORANGE COUNTY 949-991-4053
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