Public Adjuster Services for California Homeowners and Businesses
Every claim is different, but most go off track in the same places: damage that gets missed, estimates that don't reflect real repair costs, and policy language that gets read in the insurer's favor. I represent policyholders on residential and commercial claims throughout California, with detailed Xactimate estimates and support from contractors, engineers, and hygienists when the claim calls for it.
Fire & Smoke Damage Claims
Who it helps: Homeowners, landlords, and business owners dealing with a house fire, wildfire, kitchen fire, or smoke and soot damage from a nearby fire.
Common insurer issues:
Smoke and soot damage that's underestimated or limited to the rooms nearest the fire
Cleaning allowances where replacement may be needed
Contents (personal property) inventories that are incomplete or undervalued
Disputes over code upgrades, additional living expenses, or the scope of rebuilding
How I help: I document structural and contents damage, prepare a full rebuild estimate, and bring in industrial hygienists when smoke or air quality needs professional testing.
Dealing with fire or smoke damage? Call (559) 612-4353 for a free claim review.
Water Damage Claims
Who it helps: Property owners with damage from burst or leaking pipes, appliance failures, plumbing leaks, or water intrusion.
Common insurer issues:
Disputes over whether the damage was "sudden and accidental" or "long-term"
Hidden moisture behind walls, under floors, or in cabinets left out of the estimate
Mold-related exclusions or limits
Drying and repair scopes that stop short of what's needed
How I help: I review how your policy treats water losses, document the full extent of the damage, and coordinate with contractors or hygienists when moisture or mold is involved.
Water damage claim stalled or underpaid? Call (559) 612-4353 for a free claim review.
Wind, Storm & Hail Damage Claims
Who it helps: Homeowners and commercial property owners with roof, siding, window, or exterior damage from wind, storms, or hail, plus any interior damage that follows.
Common insurer issues:
Damage blamed on "wear and tear" or age instead of the storm
Repair-only offers when the damage may justify replacement
Missed damage to gutters, vents, siding, or other roof components
Interior water damage that's treated separately from the roof damage that caused it
How I help: I inspect and document the damage, and when cause is disputed, I can bring in engineers or roofing contractors to support the claim.
Storm or hail damage? Call (559) 612-4353 before you accept a settlement.
Denied & Underpaid Claims
Who it helps: Policyholders who've received a denial letter, a lowball offer, or a settlement that won't cover the actual cost of repairs.
Common insurer issues:
Denials based on exclusions that may not apply to the facts of the loss
Estimates that leave out line items or use unrealistic pricing
Depreciation that's applied aggressively or not explained
Slow responses, repeated document requests, or no clear explanation of the decision
How I help: I review your policy, the insurer's estimate, and the correspondence, then tell you honestly whether there's a basis to reopen or dispute the claim. If there is, I build the documentation and handle the negotiation.
Got a denial or a low offer? Get a free second look. Call (559) 612-4353.
Commercial Property Claims
Who it helps: Business owners, landlords, property managers, and owners of commercial, retail, office, and multi-unit properties.
Common insurer issues:
Large, complex losses with multiple buildings, systems, or tenants
Disputes over building systems, code requirements, and the scope of repairs
Long claim timelines that cost the business money while operations are disrupted
How I help: I manage the claim documentation and estimating so you can focus on running the business, and I coordinate the contractors, engineers, and hygienists that larger losses usually need.
Commercial property loss? Call (559) 612-4353 to talk through your claim.
Have a Claim That Doesn't Fit a Category?
If your property was damaged and your claim isn't going the way it should, reach out. The review is free.