We protect homeowners from the games and fine print insurance companies are known for.
AVNER GAT / President
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Do you have a question about your homeowners insurance claim? Give us a call and we’d be happy to talk to you about your situation.
Insurance Claims Los Angeles
If you’ve never filed an insurance claim, it’s natural to feel a bit anxious. An insurance claims adjuster can be a supportive partner throughout the process. We’ve spent the last 25 years advocating for homeowners in front of the top insurance companies, and we’re confident we can help you reach a resolution.
WHAT TO EXPECT FROM YOUR HOME INSURANCE ADJUSTER
When you file a homeowner’s insurance claim, your insurance provider will send an adjuster to inspect your property. This adjuster works for the insurer and is obligated to protect the best interests of the company. We recommend contacting an insurance claims adjuster before you begin the home insurance claims process. A public adjuster is a specific type of home insurance adjuster who can perform an evaluate your policy and negotiate with the insurance company on your behalf.
WHAT HAPPENS WHEN YOU FILE AN INSURANCE CLAIM
An insurance claim is a formal request sent to an insurance company asking for compensation for damages that are covered under the terms of the insurance policy. Before you contact your insurance company, it’s a good idea to review your policy, so that you clearly understand your coverage limits, deductible, and specific coverage requirements. Depending on the size of your deductible, it may not be worth filing a claim, since the claim may also lead to an increase in your premiums.
The claim process involves listing, describing and valuing everything that was damaged or destroyed, meeting with adjusters, and sometimes contractors, and reviewing reports and estimates. Your insurance provider will dispatch an adjuster who will evaluate the damage. The claims adjuster will make a recommendation based on their experience, as well as the details of your policy and coverage. After your insurance provider receives all relevant information, they will make a settlement offer.
Attorneys that have a first party property damage claim will often retain us as expert witnesses during or before litigation. We review claims and evaluate handling in order to provide our professional opinion on the practices and procedures.
WHAT ARE THE TOP HOMEOWNERS INSURANCE CLAIMS?
Did you know that one in every 15 policyholders will need to file a homeowners insurance claim in their lifetime? On a national level, the most common homeowners insurance claim is filed for damage caused by wind or hail. Here in California, we do not experience frequent hail storms, but we are vulnerable to water damage and fire damage events, which are the second and third most frequently filed homeowners insurance claims.