Frequently Asked Questions

Straight answers to the questions we hear most. Don’t see yours? Reach out — the first conversation is always free.

What does a public adjuster actually do?

We’re licensed insurance professionals who work only for you — never the insurer. We review your policy, document your loss, build your claim to industry standard with certified Xactimate estimating, and negotiate directly with your insurance company for the full, fair settlement you’re owed. In short: we handle the claim so you can focus on your home and your family.

How are you different from the adjuster my insurance company sent?

Their adjuster works for the insurance company and is paid by the insurance company. We work for you, and we’re paid only out of what we recover for you. Same kind of work — opposite side of the table.

How much do you charge?

We work on contingency: nothing up front, and nothing at all unless we recover for you. Our fee is a percentage of your settlement, agreed in writing before we begin, and your first claim review is free. No recovery, no fee — we only win when you do.

Can you help if I’ve already filed, or already gotten an offer?

Yes. You can bring in a public adjuster mid-claim — even after a lowball offer or a denial. If the number feels wrong, it often is, and it’s frequently not too late to reopen and fight it. The sooner we’re involved, the more we can do, but it’s rarely too late to help.

Will hiring you slow down my claim or upset my insurer?

Working with a licensed public adjuster is your legal right as a policyholder, and a well-documented claim often moves more smoothly, not less. We handle the communication professionally and keep things moving toward a fair, fully-supported settlement.

What kinds of claims do you handle?

Fire and smoke, water and flood, storm and wind, and denied or underpaid claims of all kinds — for both homes and businesses across San Diego County. Fire loss is our specialty.

Do you only work in San Diego?

We’re based in and focused on San Diego County, where we know the area, the carriers, and the contractors who do the work right. If you’re nearby and unsure whether we can help, just ask.

What should I do right after a loss?

First, make sure everyone is safe. Then, if you can do so safely, photograph and video everything before anything is moved or cleaned up, and keep receipts for any emergency repairs or expenses. Report the loss to your insurer — and call us early, so your claim is documented properly from the start.

Still Have Questions?

The best answers come from a real conversation about your specific claim — and it’s free. Let’s talk.