Insights & Guidance
Expert guidance from 35 years in California insurance claims — written for homeowners, not attorneys.
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The 2025 Palisades Fire is the most destructive in Los Angeles history. Here is exactly what affected homeowners need to know about their insurance rights, the claim filing timeline, and how to avoid accepting less than you're owed.
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Most homeowners have never heard of a public adjuster until after a disaster. We explain who we are, what we do, and — critically — why having one on your side changes the final settlement number.
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After managing over 200 Woolsey Fire claims, we saw the same costly mistakes made repeatedly. From accepting the first offer to missing smoke contamination, here is what to watch for.
ReadA burst pipe, a roof leak, or storm flooding can cause damage that extends far beyond what's visible. We break down the categories of coverage — mold, code upgrades, contents, ALE — that most policyholders never claim.
ReadCalifornia law provides powerful protections for homeowners in state-declared disaster zones — including extended claim deadlines, moratoriums on cancellation, and specific rules around ALE payments. Know your rights.
ReadThe personal property portion of a fire claim is often the most emotionally difficult and the most underpaid. Here is a practical, room-by-room framework for documenting your belongings — even without receipts.
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