What is the difference between Public Adjusting and Insurance Claim Consulting? +
Public Adjusting is full representation — I take over your claim, manage all insurer communications, and negotiate on your behalf. It's contingency-based (no upfront cost). Insurance Claim Consulting is strategic advisory — you manage your own claim but I coach you on recorded statements, coverage analysis, negotiation strategy, and more. It starts at $500 and is ideal for those who want insider guidance without full representation.
Can you help if my claim was denied or underpaid? +
Yes. A denial or low offer is rarely final. Many Nevada and California policyholders successfully challenge initial decisions with proper documentation and expert advocacy. I offer a free initial review for denied and underpaid claims to assess your options — including reopening the claim, filing a supplement, or pursuing appraisal.
How much does a public adjuster cost? +
My public adjusting fee is contingency-based — 15–25% for residential claims and 10–15% for commercial claims, consistent with California and Nevada industry standards. There is no upfront cost. If I don't recover money for you, you pay nothing. The initial consultation is always free.
What types of damage do you handle? +
All major property damage types — fire and smoke damage, water damage (burst pipes, floods, appliance failures), storm and wind damage, hail damage, wildfire and smoke intrusion (including 2025 LA Eaton and Palisades fire claims), roof and structural damage, and commercial property losses including business interruption. I handle both residential and commercial claims.
What is Insurance Claim Consulting? What's included? +
Insurance Claim Consulting is expert strategic guidance for policyholders navigating their own claim. It includes: recorded statement preparation and coaching, coverage gap analysis, identification of missed damages, negotiation strategy development, policy language interpretation, and demand letter review. It starts at $500 (flat fee, quoted upfront) and is delivered remotely for California and Nevada claims.
Do you work with commercial properties? +
Yes. I handle commercial property claims of all sizes — from single-building commercial landlords to multi-building portfolios and industrial facilities. My Travelers National Property experience includes structuring complex shared and layered programs for major commercial accounts, and my FM Global background covers industrial and manufacturing risk. Commercial public adjusting fee is 10–15% of settlement.
What is Risk Engineering & Property Consulting? +
This service is for commercial real estate investors, property managers, insurance brokers, and plaintiff attorneys. It includes pre-loss COPE (Construction, Occupancy, Protection, Exposure) risk assessments, commercial property policy audits for coverage adequacy, broker consulting for difficult risk placements, and expert witness / litigation support for attorneys handling property damage disputes. Available remotely or via on-site visits (travel expenses covered).
How quickly can you respond to a new inquiry? +
I respond personally to all new inquiries within a few hours during business hours. For urgent situations — active claims with pending deadlines, recorded statement scheduled imminently, or time-sensitive coverage disputes — please call directly at 424-284-8725 and I will prioritize your case immediately.