Insurance Claims Adjuster in Los Angeles

What is 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. 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.  In the case of homeowners insurance, your insurance provider will dispatch an adjuster who will evaluate the damage and make a recommendation based on their experience, as well as the details of your policy and coverage. It is very helpful to have a public adjuster on your side helping you navigate the process from start to finish.

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.

Home Insurance claims process: what to expect

If you’ve never filed an insurance claim, it’s natural to feel a bit anxious and wonder what to expect from the process. We’ve spent the last 25 years working with the top homeowners insurance companies, and we’re confident we can help you navigate the process every step of the way.

In the event of a burglary or a fire, you may need to contact the police or the fire department. 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. If you’ve decided to open a claim, your insurance provider will send an adjuster out to inspect your property. This adjuster works for the insurance company 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 can perform an evaluation of your claim and your policy and will help negotiate with the insurance company on your behalf.

Professional Services

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.

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