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Wildfire Claimants - Top 10 Tips by CALIFORNIA Public Adjusters. Call: 310-929-9620 for FREE CLAIM ASSESSMENT

Writer's picture: CALIFORNIA Public AdjustersCALIFORNIA Public Adjusters
California Public Adjusters - Trusted Insurance Claim Management Company serving Residential and Commercial Clients in and around Inland Empire, Orange County, Los Angeles, and other surrounding nearby cities in Southern California. We also offer Insurance Claim Public Adjusting Services such as Water Damage, Fire Damage, Mold Damage, and Commercial Claims. Affordable Licensed Professional Public Adjusters near Long Beach, Huntington Beach, Riverside, South Bay, Riverside County, Anaheim, Torrance, Tarzana, Gardena, Los Alamitos. Underpaid or denied by your insurance company? Call us now for a FREE CLAIM ASSESSMENT!

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
Wildfire Claimants - Top 10 Tips by CALIFORNIA Public Adjusters. Call: 310-929-9620 to Schedule an Appointment. Trusted Insurance Claim Management Company serving Residential and Commercial Clients in Sierra Madre 91024, 91025 South Pasadena 91030, 91031 Claremont 91711, Rosemead 91770, 91771, 91772, 91776 and Pasadena 91001, 91109, 91184, 91199. Affordable Public Adjusting Services for Total-Loss Fire Damage, Water Damage, Mold Damage, and Commercial Claims. Licensed Professional Public Adjusters near Los Angeles County, Inland Empire, Santa Barbara County, Ventura County, Riverside 92501, Moreno Valley 92551, Corona 92877, Long Beach, Huntington Beach, South Bay, Anaheim, Torrance, Tarzana, Gardena. Underpaid or denied by your insurance company? Call us now for a FREE CLAIM ASSESSMENT!
Hughes fire in Castaic explodes to more than 9,000 acres in just hours - Photo Credit by Los Angeles Times

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.


Wildfire Claimants - Top 10 Tips by CALIFORNIA Public Adjusters. Call: 310-929-9620 to Schedule an Appointment. Trusted Insurance Claim Management Company serving Residential and Commercial Clients in Sierra Madre 91024, 91025 South Pasadena 91030, 91031 Claremont 91711, Rosemead 91770, 91771, 91772, 91776 and Pasadena 91001, 91109, 91184, 91199. Affordable Public Adjusting Services for Total-Loss Fire Damage, Water Damage, Mold Damage, and Commercial Claims. Licensed Professional Public Adjusters near Los Angeles County, Inland Empire, Santa Barbara County, Ventura County, Riverside 92501, Moreno Valley 92551, Corona 92877, Long Beach, Huntington Beach, South Bay, Anaheim, Torrance, Tarzana, Gardena. Underpaid or denied by your insurance company? Call us now for a FREE CLAIM ASSESSMENT!
Fire approaches new homes being built near the Hughes fire in Santa Clarita, CA on Wednesday, January 22, 2025. (Photo by David Crane/MediaNews Group/Los Angeles Daily News via Getty Images)

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.


Wildfire Claimants - Top 10 Tips by CALIFORNIA Public Adjusters. Call: 310-929-9620 to Schedule an Appointment. Trusted Insurance Claim Management Company serving Residential and Commercial Clients in Sierra Madre 91024, 91025 South Pasadena 91030, 91031 Claremont 91711, Rosemead 91770, 91771, 91772, 91776 and Pasadena 91001, 91109, 91184, 91199. Affordable Public Adjusting Services for Total-Loss Fire Damage, Water Damage, Mold Damage, and Commercial Claims. Licensed Professional Public Adjusters near Los Angeles County, Inland Empire, Santa Barbara County, Ventura County, Riverside 92501, Moreno Valley 92551, Corona 92877, Long Beach, Huntington Beach, South Bay, Anaheim, Torrance, Tarzana, Gardena. Underpaid or denied by your insurance company? Call us now for a FREE CLAIM ASSESSMENT!
A vehicle rides past a hillside engulfed in flames caused by the Hughes Fire in Castaic, Calif., Wednesday, Jan. 22, 2025. Ethan Swope/AP

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.


 

California Public Adjusters The Trusted Insurance Public Adjuster Company in Southern California. Insurance Claim Management serving Residential and Commercial clients in Inland Empire, Orange County, Los Angeles. We offer public adjusting services such as Water Damage, Fire Damage, Mold Damage, and Commercial 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

California Public Adjusters - Trusted Insurance Claim Management Company serving Residential and Commercial Clients in and around Inland Empire, Orange County, Los Angeles, and other surrounding nearby cities in Southern California. We also offer Insurance Claim Public Adjusting Services such as Water Damage, Fire Damage, Mold Damage, and Commercial Claims. Affordable Licensed Professional Public Adjusters near Long Beach, Huntington Beach, Riverside, South Bay, Riverside County, Anaheim, Torrance, Tarzana, Gardena, Los Alamitos. Underpaid or denied by your insurance company? Call us now for a FREE CLAIM ASSESSMENT!

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.



California Public Adjusters - Trusted Insurance Claim Management Company serving Residential and Commercial Clients in and around Inland Empire, Orange County, Los Angeles, and other surrounding nearby cities in Southern California. We also offer Insurance Claim Public Adjusting Services such as Water Damage, Fire Damage, Mold Damage, and Commercial Claims. Affordable Licensed Professional Public Adjusters near Long Beach, Huntington Beach, Riverside, South Bay, Riverside County, Anaheim, Torrance, Tarzana, Gardena, Los Alamitos. Underpaid or denied by your insurance company? Call us now for a FREE CLAIM ASSESSMENT!

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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CALIFORNIA PUBLIC ADJUSTERS

INSURANCE CLAIM MANAGEMENT throughout CALIFORNIA

RESIDENTIAL & COMMERCIAL INSURANCE CLAIMS

YOUR INSURANCE COMPANY HAS AN ADJUSTER ON THEIR SIDE. 

We Are On Your Side to Maximize your Insurance Claim.

WE EXCLUSIVELY REPRESENT YOU, THE INSURED.

CALL US TODAY AND GET A FREE CONSULTATION!

We understand the complex process of filing an insurance claim.

Let our experts handle all the paperwork and negotiation so you can have the money for restoring your

property to its pre-damage condition.

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