Public Adjuster in Los Angeles, CA
When a supply line fails in a Silver Lake hillside home, a fire damages an apartment building in Koreatown, or a sudden loss shuts down a restaurant in the Arts District, the insurance claims process can take over every spare hour. Avner Gat, Inc. is a licensed public adjuster firm serving Los Angeles, CA, with 20 years of experience representing policyholders only. Never insurance companies. We review your policy, coordinate the qualified experts who inspect and document your loss, prepare and submit the proper paperwork on your behalf, and negotiate with your carrier so the full extent of the damage is on the table.
We work with homeowners, landlords, condo owners, and commercial property owners across Los Angeles, from the Westside and the San Fernando Valley to Downtown, the Eastside, and the South Bay.
Types of Insurance Claims We Handle in Los Angeles, CA
We handle sudden and accidental residential and commercial property losses.
Water Damage Claims
Burst supply lines, failed water heaters, slab breaks, sewer backups, overflowing appliances, and water intrusion from a sudden and accidental roofing loss. Los Angeles has an enormous stock of older homes and apartment buildings with aging plumbing, and in multi-unit buildings a single failure can send water through ceilings, walls, and floors into several units. Water also travels through framing and flooring in ways that are not always visible right away, which is why thorough documentation matters.
Fire Damage Claims
Structure fires, electrical fires, kitchen fires, and fires that spread from neighboring properties. Smoke and soot often reach far beyond the burn area, into HVAC systems, contents, shared walls, and adjacent units. In dense neighborhoods, a fire at one property can affect many others.
Theft Damage Claims
Burglary, forced entry, and vandalism affecting single-family homes, apartment buildings, storefronts, offices, studios, and warehouses. These claims depend on inventories, proof of ownership, and the cost to repair the damage left behind.
Roof and Water Intrusion Damage Claims
Sudden and accidental roof losses, storm-driven water intrusion, and damage from falling limbs or debris. Long dry seasons followed by heavy winter rain put real stress on roofs, flashing, and drainage across the city, from flat commercial roofs to tile and shingle roofs on hillside homes.
Wind and Storm Damage Claims
Santa Ana wind events can bring down trees, fences, signage, and rooftop equipment from the Hollywood Hills to the Valley, and wind-driven debris is a regular source of sudden structural damage.
Cyber Damage Claims
Commercial policyholders with cyber coverage can face losses that are hard to quantify and heavily scrutinized by the carrier. We help organize supporting materials and negotiate the claim under the terms of the policy.
Commercial and Specialty Property Claims
Office buildings, retail centers, restaurants, hotels, apartment complexes, industrial and warehouse space, medical and professional offices, and entertainment industry facilities, including losses involving specialized equipment, inventory, and tenant improvements.
How Avner Gat, Inc. Helps With Your Insurance Claim
Every claim is different, and we keep you informed at every step.
Comprehensive claim consultation
We review your policy and the circumstances of the loss to identify the coverage that may apply and determine the strongest approach for your claim.
Thorough damage documentation
We bring in qualified independent professionals to inspect and document the full extent of the damage. Supporting materials may include expert reports, photographs, itemized repair costs, and contents inventories.
Full claim coordination
We prepare and submit the proper paperwork on your behalf and manage carrier communications, scheduling, and documentation requests so the claim keeps moving. We do not file the original claim; we step in to negotiate once a claim has been filed.
Strategic settlement negotiation
If the carrier's offer undervalues the loss, we negotiate on your behalf and fight for the settlement you are owed under your policy.
How Public Adjusters Differ From Insurance Company Adjusters
Many policyholders assume the adjuster sent by the insurance company is there to protect them. That adjuster is employed by the carrier and evaluates the loss from the carrier's perspective. A public adjuster works only for you.
| Aspect | Insurance Company Adjuster | Avner Gat, Inc. Public Adjusters |
|---|---|---|
Who they work for | The insurance carrier | The policyholder, exclusively |
Primary goal | Resolve the claim within the carrier's valuation | Pursue the settlement owed under your policy |
Financial relationship | Salaried or contracted by the insurer | Hired by you, accountable to you |
Compensation structure | Paid by the insurance company | No retainer; contingent-fee basis only |
Motivation | Control claim costs | Document the loss fully and negotiate on your behalf |
Who benefits | The carrier | The property owner |
We are licensed by the State of California and insured.
Why Property Damage Claims Are So Common in Los Angeles
Los Angeles is a city of contrasts, and its property stock reflects that. Large parts of the city were built between the 1920s and the 1970s, and many homes and apartment buildings still rely on original or first-generation plumbing, electrical systems, and roofing. Aging supply lines and wiring can fail suddenly, and when they do, water and smoke move quickly through slab foundations, wood framing, and shared walls.
Geography adds more pressure. Hillside neighborhoods in the Hollywood Hills, Silver Lake, Echo Park, Mount Washington, and the Santa Monica Mountains face sustained Santa Ana winds and falling debris. The region's pattern of dry months followed by concentrated winter storms sends heavy runoff across rooftops, patios, and retaining walls in a matter of hours.
Density is a factor too. Across Los Angeles, buildings sit close together and many are shared by multiple owners or tenants. A loss that begins in one unit can reach several others, which raises questions about whose policy responds to which part of the damage.
Understanding Claims in Condos, Apartments, and Multi-Unit Buildings
Los Angeles has one of the largest renter and condo populations in the country, so many claims here involve more than one policy. A condo owner may have an individual policy while the association carries a master policy. A landlord may have coverage for the building, and tenants may have their own policies for belongings.
When a sudden loss spreads between units, sorting out which coverage applies to which part of the damage can be complicated. Careful review of the policy language and clear documentation of what was damaged, and where, help keep each part of the claim organized and moving.
Protecting Your Claim in the First Days After a Loss
- Take photographs and videos of all affected areas before anything is moved or discarded.
- Take reasonable steps to prevent further damage, such as shutting off water or securing openings, and keep every receipt.
- Start a list of damaged belongings, with approximate purchase dates and values where you can.
- Keep a written record of every conversation with your carrier, including names, dates, and what was said.
- Before signing or accepting anything, consider having a licensed public adjuster review it with you.
Entertainment, Studio, and Creative Property Claims
Los Angeles is home to soundstages, post-production suites, rental houses, galleries, and independent studios. These properties often hold specialized equipment, custom build-outs, and tenant improvements that do not look like standard commercial contents.
When a sudden loss strikes a property like this, the value of what was damaged can be difficult to capture in a basic repair scope. We coordinate qualified experts who document the physical damage and the supporting materials needed to show what was affected, so your carrier has a complete picture of the claim.
Small Business and Restaurant Losses
From taquerias and cafés to boutiques and professional offices, small businesses are a major part of the city's character. A fire, a sudden plumbing failure, or a break-in can disrupt operations immediately. We help business owners organize documentation for damaged equipment, inventory, and improvements, and we negotiate the claim under the terms of the policy so owners can focus on getting back to work.
When to Work With a Los Angeles Public Adjuster
- You have just discovered damage and have not filed yet
- The offer you received seems lower than what repairs will cost
- Your claim has stalled or gone quiet
- You are unsure what your policy actually covers
- The damage is extensive, structural, or affects multiple units
- Your property includes specialized equipment or custom improvements
- You do not have the time to manage documentation, paperwork, and negotiation
We work with claims that are active and within five months of the date of loss.
What Our Clients Say About Our Public Adjusting Services
Glendale, CA
Robert Cooper, Public Aduster, & Avner Gat, Inc. I hired Robert because of his experience with State Farm. Originally I was concerned that he was too nice; but when it counted, he stepped up and got us a larger settlement than we would have gotten on our own. The reports he had me pay for proved to be of great value. In the end, he exceeded my expectations ! I would gladly recommend him!
Hidden Hills, CA
Eight months ago, our home suffered severe water damage. While the loss was covered by insurance, navigating the complex process–coordinating with the mitigation company, insurance adjusters, general contractors, rental housing, and reconstruction–quickly became overwhelming. After carefully vetting several public adjusters, we chose Avner Gat, and it was one of the best decisions we made. Our representative, Gary Weinzimer, was professional, courteous, responsive, and highly knowledgeable throughout the entire process. He guided us step by step, advocated on our behalf, and ensured our interests were protected during what felt like a long and difficult journey. Thanks to Gary and Avner Gat, we were able to secure a fair outcome from the insurance company and move forward with confidence. We are now finally back in our beautiful home, and we truly believe we would not have achieved this result without their expertise and support. I highly recommend Gary Weinzimer and the team at Avner Gat to anyone facing a similar situation. Their dedication and professionalism made an incredibly challenging experience much more manageable.
Sherman Oaks, CA
I have experience with Avner Gat and think so highly of their follow through and advice and how they handle their clients. In particular Robair Sherrod is the best. His advice and knowledge of the insurance industry and how to assist his client is top notch. I have no hesitation recommending Robair for any needs.
Woodland Hills, CA
I would like to express my sincere gratitude to Gary and Avner Gat for the incredible work you did on our behalf. I cannot thank you enough for the detailed work you put into what turned out to be a long and arduous journey. Navigating the complexities of the insurance process was daunting, but your experience, dedication and persistence in negotiating with the insurance company were truly impressive. Thanks to your hard work, I am confident that we achieved the best possible settlement. Your expertise and commitment made all the difference, and I am incredibly grateful for your support throughout this process. If you are looking for a top noch experienced negotiator to handle your claim go with Gary from Avner Gat.
Woodland Hills, CA
I want to share my personal experience with Gary, who handled my claim as my private Public Adjuster while working with Avner Gat, Inc. I am truly impressed. From the moment Gary took over my case, everything was under control. His level of care, communication, effort, and attention to detail was outstanding. He explained the process clearly, stayed on top of every detail, and made sure nothing was missed. As a contractor, I’ve been recommending Avner Gat, Inc. to my customers for years–but this was my first time dealing with an insurance claim personally. After going through this experience myself, I can honestly say I couldn’t be more satisfied. This recommendation now comes from personal experience, not just professional trust. Gary provided real peace of mind and fought to secure the coverage I needed so I could put my home back together–quickly and properly. That alone says everything. If you’re looking for a Public Adjuster you can truly trust, Gary with Anver Gat Inc, is the real deal. I can’t thank you enough.
Culver City, CA
Nadav at Avner Gat helped us SO much with a recent insurance claim after a pipe burst. He was super nice, knowledgeable, and responsive. If you want peace of mind AND the best payout you can get, call Nadav. I can’t recommend him highly enough.
Santa Clarita, CA
I was fortunate to have found the Avner Gat firm to be my Public Insurance Adjuster. My initial inquiry was answered right away in a timely manner, and my adjuster Jeff Janes is great! Jeff really understands the insurance adjusting process, clearly explained how it all works, kept me updated all along, and most importantly got me a great monetary result! Kudos and THANK YOU to everyone at Avner Gat!
Orange County, CA
One of the best decisions I’ve ever made in choosing a vendor. We had a leak in a rental property and right from the start, the insurance company was giving us the runaround. We reached out to Avner Gat and specifically asked for Jeff Janes (he helped a client of mine and they were VERY happy). The insurance company initially gave us a very low offer settlement and assigned us to an uncooperative claims adjuster that would initially deny most everything, even though the Department of Insurance requires them to cover it and so does their own policy terms. Jeff handled them like an attorney would. He was thorough and diligent throughout every step of the process. We ended up getting a final settlement that was almost seven times the initial offer! Avner Gat is well worth their fee and they easily made up for it and then some! I am planning on recommending them to all my clients, friends and family. Thank you Jeff!
Cerritos, CA
We contacted Doug Meister at Avner Gat when we felt like the major water damage to our home from a burst pipe wasn’t getting the full attention it deserved by our insurance company. Having Doug completely take over the management of our insurance claim was a huge relief, for he handled every aspect of the claim from the jump- from dealing with all communications with our insurance adjuster, to informing us of the benefits of the “loss of use” aspects of our policy, to even aiding in tracking down an abatement company for lead tile removal. Wouldn’t hesitate to recommend Doug and Avner for anyone dealing with these sorts of unfortunate homeowner situations.
Long Beach, CA
I can’t say enough good things about my experience working with & receiving guidance from Cindy Gallo from Avner Gat Inc! After a sudden water damage issue in my home, I was feeling overwhelmed as you can imagine. That’s when I turned to Cindy and I’m so grateful I did.
Not only is she an incredibly knowledgeable and skilled professional, but she’s also someone I trust deeply. She is the kind of person that is patient, clear, and proactive. Cindy had the level of care and confidence that immediately put me as ease. Her genuine support and professionalism made a stressful situation so much more manageable.
I wholeheartedly recommend Cindy Gallo to anyone.
Los Angeles, CA
I really appreciated Bryan’s great insights when dealing with our water damage this year! He came to our house, was very patient, and answered all my different questions which helped me understand the whole process better. I wish I had engaged with him sooner to ensure I was getting as much as I was entitled to.
Pasadena, CA
I cannot express how grateful I am for the incredible assistance provided by Avner Gat during my recent insurance claim with Allstate! In 35 years I never had a claim until severe water damage during a storm caused significant damage to my home. I contacted Avner Gat after reading some reviews on Yelp and a meeting was set up. I met with Kathryn Gantt and after our meeting I felt at ease. She explained everything about the process in dealing with the insurance, was incredibly professional, knowledgeable! Avner Gat came to my rescue! Kathryn was assigned as my Public Adjuster and she worked tirelessly to negotiate with the insurance on my behalf! All the troubles and procedures were handled in a very professional manner. The communication was top-notch, keeping me informed at every step of the process!
Los Angeles, CA
Avner Gat helped us fight our insurance company and helped recover damage cost due to a water leak. Let me start by saying these folks are awesome! I worked with Jeff Janes who was heaven sent. This gentleman was very professional and very knowledgeable. Mr. Janes would always take the time to explain next steps and would always be available for additional questions. I rate this company and Mr. Janes an A++ and I would highly highly recommend them! Thank you Avner Gat for everything!
Schedule Your Los Angeles Claim Review
If your property has been damaged, your claim has slowed down, or the settlement offer does not match the scope of the work, now is the time to have a licensed public adjuster in Los Angeles, CA, review it with you.
Frequently Asked Questions
What types of property damage claims do you handle?
Sudden and accidental residential and commercial losses, including water and plumbing failures, fire and smoke, wind and storm damage, theft and vandalism, sudden roofing failures, impact and structural losses, commercial and specialty property claims, and cyber claims for commercial policyholders.
How are you paid?
We do not charge any retainer. We are on a contingent-fee basis only. If we collect money from your insurance carrier for you, we will charge you our agreed percentage.
Is a public adjuster the same as an attorney?
No. A public adjuster is licensed by the State of California to represent policyholders in the claims process. An attorney practices law. The roles are separate, and hiring a public adjuster is often a useful step to consider first before seeking legal advice.
Do you inspect the damage yourselves?
No. We coordinate qualified independent experts, such as engineers, contractors, roofing specialists, remediation companies, and content specialists, who inspect and document the loss. We then use that documentation to negotiate the claim.
Do you file my claim?
No. We do not file the original claim. We prepare and submit the proper paperwork on your behalf, and we step in to negotiate once a claim has been filed.
Can you help with a loss in a condo or apartment building?
Yes. We can review how your individual policy interacts with an association's master policy or a building owner's coverage, and help organize documentation for the portion of the loss that applies to you.
Do you handle losses at studios and entertainment facilities?
Yes. We work with owners of production, post-production, and creative spaces, including losses involving specialized equipment and tenant improvements.
How long does a claim usually take?
Every claim is different. How long it takes depends on the size of the loss, the documentation involved, and how responsive the carrier is. We keep you informed at every step.
How quickly can you start?
In most cases, we can begin reviewing your claim shortly after your initial consultation. Acting early helps preserve documentation and keeps the claim organized from the start.
Do you work with both residential and commercial property owners?
Yes. Homeowners, condo owners, landlords, apartment properties, offices, retailers, restaurants, production facilities, and industrial properties throughout Los Angeles and nearby communities.