
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
Getting the Insured the Maximum Settlement for the Loss to return back to Whole

The Top 10 Tips for Wildfire Claimants from the Recent Pacific Palisades - Eaton - Hurts - Kenneth - Hughes Fires in Los Angeles, California
1. Obtain a complete copy of your residential homeowner's insurance policy, including your declarations page
The law requires your insurance company to provide this to you free of charge within 30 days of your request.
Ask CALIFORNIA Public Adjusters to have your insurance company's representative explain how much coverage you have (1) to rebuild or repair your home, (2) for your personal belongings, and (3) for living expenses.
This should include an explanation of Extended Replacement Cost and Building Code Upgrade coverages if applicable. Ask how to most effectively claim your coverage benefits.
2. Take note of your Additional Living Expense (ALE) limits and manage your ALE expenses in recognition of a long rebuilding process
Your time to collect ALE after a declared catastrophe is no less than 24 months even if your policy says otherwise; however your amount of coverage is not increased. An extension of up to 12 additional months, for a total of 36 months, should be granted if you encounter delays beyond your reasonable control.
3. Track all of your additional expenses that arise from having to live in another location away from your home
Note: your ALE reimbursement may be offset by your normal cost of living before the fire (i.e., ALE does not pay for your mortgage or expenses you would normally incur) but you are entitled to the same standard of living you had before the fire. ALE will pay for temporary rent, additional mileage, etc.
4. Document all of your conversations with your insurance company about your claim and policy limitations in a dedicated "claim diary."
If the insurance company's adjuster says something is excluded, limited, or subject to certain conditions, ask CALIFORNIA Public Adjusters, the professionals who represents you, the homeowner, to point out the specific provision in your policy being cited.

5. Get at least one licensed contractor's estimate or bid on the cost to rebuild your home
Just to get a reasonable sense of the actual cost as compared to your coverage limits
(for more considerations on contractors, view the CDI's electronic brochure Don't Get Scammed After a Disaster and check the California's Contractors State License Board website.)
While your insurance company may provide its own estimate, it may contain errors or fail to reflect local conditions or demand surge. Demand surge reflects price increases following a major disaster when contractors and materials are in short supply.
6. Call the Department of Insurance Hotline for help at (800) 927-4357
You can also file a complaint. Consider insights from consumer advocates.
7. Understand you can purchase or rebuild at another location, and still receive full replacement cost benefits
Including Building Code Upgrade and Extended Replacement Cost benefits, if those were included on your policy and necessary to rebuild the insured dwelling. You also have the right to rebuild using the contractor of your choosing. In order to reduce the cost of rebuilding, you might also consider a community-wide development approach utilizing a common builder.

8. Assess your situation, do not rush into any decision about contractors, lawyers or public adjusters
Consider your mortgage/employment/financial situation, your age, children's schools, your willingness to deal with construction issues (no matter who your contractor is). The insurance process is a series of important decisions over a long period of time, but few, if any, need to be made today.
Of course, move forward if you have obtained multiple bids from reputable licensed contractors, are certain you want to rebuild, are sure of the rebuilding costs and your insurance limits and want to be sure you are a priority for your selected contractor to start the rebuild.
The Contractors State License Board (CSLB) has publications that can help you identify and avoid problems before they occur. Contact CSLB at 1-800-321-2752 to obtain a free copy of their publications and/or verify the licensing status of a contractor.
9. Do not assume you have inadequate coverage based on general information you are hearing about building costs or other general comments
The adequacy of your limits needs to be addressed on a case specific basis to determine how much it will cost to rebuild your home and whether your limits, including extended replacement cost coverage if applicable, are adequate. But if you determine you are underinsured, gather relevant documentation and contact the Department of Insurance for help.
10. Evaluate whether you will need a CALIFORNIA Public Adjuster or attorney to help you with your claim
If rebuilding will take a long time you are likely to use your entire ALE limits. If you are also reimbursed by your insurer for your entire personal property loss or your full personal property limits, you may not need a public adjuster or attorney to help you obtain full settlements for either of these coverages.
CALIFORNIA Public adjusters helps homeowners get the Maximum Settlement they deserve for their Total-Loss Fire Damage Insurance Claims. As public adjusters, we work directly for you and not the insurance company. This means we don't get paid not until the insured (homeowner) gets paid.
A public adjuster should not charge a fee on payments you received from your insurer before the public adjuster contract was signed. A fee should only be charged on additional monies the public adjuster gets for you. Contact the Department if this issue arises in your contract.
We at CALIFORNIA Public Adjusters are fully-licensed by the California Department of Insurance. If you wish to verify our licensed, you may call us at 888-688-5078 or check our status online on the License Status Inquiry application. Practicing without a license is against the law and most especially against our morals. With the top 10 wildfire claimants tips, we hope this will help wildfire victims settle their insurance claims.

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
Comments