As a representative of your insurance company, the insurance adjuster works for them. He will review, audit, and adjust the documentation you are required to prepare to substantiate your claim. You can bet that they don't have your best interest in mind.

Before the rebuilding process can begin, an accurate and comprehensive assessment of all losses must be conducted. We are skilled in preparing these involved claims to help you receive the full amount to which you are entitled, in accordance with policy terms. But most importantly, the services of a public adjuster will save you money.

Immediately - We will inspect your loss and answer your questions without cost or obligation. Don't wait! The steps you take today could have a profound effect on the outcome of your claim.

A consultation is free and absolutely without obligation.

Your Public Insurance Adjuster assists with every phase of preparing and presenting your claim, as well as accomplishing an adjustment for you, which is equitable and includes everything to which you are entitled under your insurance policy.

We take a physical inventory, obtain all pertinent appraisals and make sure all provisions in your policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing but can make a significant difference in the amount of the final adjustment.

Sure, but it stands to reason that the accredited Public Adjuster who has years of experience and training can do so with more competence than the policyholder. More specifically, Public Adjuster will assist you in the preparation of inventories, estimates, and other factual proofs of loss. He or she will handle all the necessary details for compiling and filing claims, as required by the terms of your insurance policies. Your Public Adjuster will also confer, on your behalf, with insurance company representatives and handle all matters essential to a proper and satisfactory adjustment.

Your insurance company will utilize the services of staff or sub-contracted Claims Adjusters to represent their interests. The very same company that owes you a fair settlement pays the skilled professional that your insurer will send to investigate and calculate your loss. The conflict is obvious.

Insurance companies offer to pay what is due to you as they see it. Public Adjuster are your exclusive representatives. With our experience and knowledge, we are better able to obtain a more favorable adjustment for you, the insured.

Promptly report the loss to the agent or broker, or directly to the insurance company and immediately retain the services of an accredited Public Adjuster to serve you. We would love to help.

A Public Adjuster will work for a small percentage of your settlement, usually payable after you are indemnified. The difference in your settlement, a direct result of having your own skilled advocate, will most likely cover this fee. 

Public Adjusters of Southern California charges a percentage of the insurance company"'s settlement with you. In the final analysis, you will find our service has been financially beneficial to you.

In addition to being skilled negotiators, we use the services of structural appraisers, engineers, accountants, inventory specialists, and other experts as needed. Your insurer will use their own experts to document their opinion of your claim. Again, the conflict is apparent.

All claims are subject to differences of opinion and policy interpretation. Each claim is unique and includes many variable factors. Generally, differences between the insured and the insurance company arise concerning the scope of damage and type of restoration required, depreciation percentages to be applied, if applicable, and appropriate labor and material costs.

We lose no time in complying with the policy requirements to obtain and evaluate the facts and prepare the claim. The alert, knowledgeable and prompt service we render often preserves evidence that may otherwise be overlooked or destroyed. The more thoroughly and completely your claim is compiled and prepared, the faster your Public Adjuster can accomplish an equitable and proper settlement in your best interest. Once a policyholder has witnessed the skill and knowledge of the accredited Public Adjuster, he or she rarely will attempt to settle a claim without the benefit of their specialized assistance. The Public Adjusters most frequent sources of new clients are the recommendations of those they have previously served.

 • Detailed unit cost appraisal to replace building damage with like-kind, and quality. 
  • Detailed physical inventory and appraisal of all contents, including furniture, fixtures, equipment, and stock, whether damaged or undamaged.
  • Insurable value appraisal of building and contents for co-insurance requirements.
  • Identification and evaluation of the betterments and improvements, including your insurable interests.
  • Physical depreciation schedule on all property.
  • Determination of salvage disposal.
  • Analysis of gross earnings value and loss for Business Interruption claim.
  • Analysis of accounting records in relation to property values.

Within the fine print of all insurance policies is a complex list of obligations that the policyholder has in the event of a loss. A Public Adjuster will give you expert guidance. The period right after a loss is a critical time; the right decisions can save your business or home and also protect your rights. The wrong decisions can lead to disaster. One mistake in this complex process can void your policy or severely impair your ability to collect your rightful settlement. 

This depends upon the type and amount of insurance you carry. It also depends on your expertise or the expertise of your representative, not that of the Insurance Company's Adjuster. Many insurance policies may pay more than the amount shown on the declaration page. A qualified expert working for you can determine everything to which you are entitled.

Yes, we will assist you in any claims you may have due to windstorm, explosion, and any other insured losses that are sustained (inland marine, business interruption, rental income, improvements and betterments, commission and profit, reporting forms, additional expense, etc.).

Occasionally the Insured seeks to avoid the Public Adjuster's fee and attempts to adjust the claim of his or her own, or believes the insurance company Adjuster works for them.

Only after considerable frustration does the Insured then turn to the Public Adjuster to remedy what has already become a bad situation. The Public Adjuster can still help at this stage but may be unable to reverse all of the damage that has been done and which may not have occurred had he been retained earlier. 

Eventually, it is too late for even a Public Adjuster to be able to help. Your next option is to hire an attorney to sue the insurance company for bad faith. Hopefully, you will have properly documented your claim. Don't make the same mistake this time in thinking the insurance company's attorney will represent you in court too.

Contact us either by phone or e-mail and we will set up an appointment to meet with you free of charge and with no obligation.