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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.

Underpaid or denied by your insurance company? FREE CLAIM ASSESSMENT! 

HOME OWNERS INSURANCE CLAIMS

INSURANCE CLAIM MANAGEMENT THROUGHOUT CALIFORNIA

WE SERVICE RESIDENTIAL AND COMMERCIAL CLIENTS IN AND AROUND INLAND EMPIRE, ORANGE COUNTY

California Public Adjusters - We help homeowners maximize their insurance claims such as:

Water Damage Insurance Claims

Fire Damage Insurance Claims

Theft and Vandalism Insurance Claims

California Public Adjusters is a Residential and Commercial Public Adjuster Company. Our team helps you navigate the tedious and stressful process of filing insurance claims with zero out-of-pocket expenses.

 

We will maximize your claim amount to ensure you get what’s rightfully yours, regardless of dealing with denied or underpaid insurance claims.

Free Claim Evaluation. Schedule Now!

Your County

THE TRUSTED PUBLIC ADJUSTERS

Serving INLAND EMPIRE, ORANGE COUNTY,  LOS ANGELES COUNTY, SOUTH BAY, BEVERY HILLS, SAN BERNARDINO and all throughout California.

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.

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.

Top 10 Tips for Wildfire Claims by CALIFORNIA Public Adjusters. The Best Insurance Claim Management Company in Los Angeles. We offer Public Adjusting Assistance for the Victims of the Recent Palisades - Eaton - Hurst - Kenneth - Hughes Fires in Pacific Palisades, Altadena, Calabasas, West Hills, Pasadena, Sylmar, and Castaic. We also assist Homeowners & Business Owners for their Water Damage, Fire Damage, Mold Damage, or Commercial Insurance Claims. Public Adjusters for a Maximum Settlement in Los Angeles County, Inland Empire, Riverside County, San Bernardino County, Orange County, Santa Barbara County, Ventura County. Call 310-929-9620 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

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.

Top 10 Tips for Wildfire Claims by CALIFORNIA Public Adjusters. The Best Insurance Claim Management Company in Los Angeles. We offer Public Adjusting Assistance for the Victims of the Recent Palisades - Eaton - Hurst - Kenneth - Hughes Fires in Pacific Palisades, Altadena, Calabasas, West Hills, Pasadena, Sylmar, and Castaic. We also assist Homeowners & Business Owners for their Water Damage, Fire Damage, Mold Damage, or Commercial Insurance Claims. Public Adjusters for a Maximum Settlement in Los Angeles County, Inland Empire, Riverside County, San Bernardino County, Orange County, Santa Barbara County, Ventura County. Call 310-929-9620 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.

SCHEDULE FREE CONSULTATION TODAY!

Contact us today to schedule a consultation and let us help you protect your Inland Empire, Orange County, Los Angeles home and your future.

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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.

Type of Loss you are Experiencing:
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