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Start your claim online · California & Nevada

Hand your claim to someone who learned the business inside the insurance companies.

Tell me about your claim in about five minutes. I will send your agreement to review and sign on your phone. Then I take over: every call, inspection, estimate and negotiation.

No upfront cost · Fee only on what we recover · Cancel within 3 business days

🏅Licensed in CA (#6002396) & NV (#3852853)
🔨Licensed General Contractor
🏢Former FM Global, AFM & Travelers
🗣️English · فارسی
How it works

Four steps. No office visit.

Most people finish the first two from their phone the same day.

1

Tell me about your claim

Who is on the policy, what happened, and who your insurer is. About five minutes. Skip anything you don’t have yet.

2

Review and e-sign

I prepare your agreement and send it from claims@minalyainc.com for secure e-signature. You get a signed copy by email right away.

3

Your cancellation window

You have 3 business days to change your mind, with no penalty. Nothing goes to your insurer before then.

4

I take it from here

I notify your insurer and handle the claim. You get a plain-English update every week.

Your agreement

What you’re agreeing to, in plain English

No surprises. You will read the full agreement before you sign.

💵 The fee

A percentage of what your insurer pays, written in the agreement and initialed by you. No upfront cost, and no fee on money your insurer paid before you hired me. Expenses only if you approve them.

🛡️ I represent you only

“We represent the insured only.” I never work for your insurance company, and I have no stake in who repairs your property.

↩️ Your right to cancel

Cancel before midnight of the third business day after you sign and receive a copy (five calendar days for a declared disaster in California). Any money you paid is refunded within five business days.

✉️ Letter of representation

Tells your insurer I represent you, asks for your policy and prior estimates, and adds Minalya Inc as a co-payee on claim checks, together with you.

🏛️ Licensed and bonded

Licensed public adjuster in California (#6002396) and Nevada (#3852853). California requires a $20,000 surety bond; questions go to the CDI Licensing Hotline, 800-967-9331.

⚖️ If we ever disagree

Disputes about the agreement go to neutral binding arbitration under American Arbitration Association rules.

This summary is for convenience; the signed agreement controls. Your signed agreement and Notice of Cancellation are emailed to you as soon as everyone signs.

Before you sign

Know your rights. It’s your choice.

  • You are not required to hire a public adjuster. You can handle your claim yourself.
  • You can talk to your insurance company at any time, even after you hire me.
  • Public adjusters may not solicit you while a loss is still happening, or between 6 p.m. and 8 a.m.
  • Your fee percentage is written in the agreement and initialed by you.
  • You can cancel within 3 business days (5 calendar days for a declared disaster in California) and get any payment back within 5 business days.
  • Questions about public adjusters? California Department of Insurance Consumer Hotline 1-800-927-HELP (4357), insurance.ca.gov. Nevada Division of Insurance, doi.nv.gov.
Company adjusterEmployed by your insurance company. Works for the insurer. Independent adjusterHired by your insurance company on contract. Works for the insurer. Public adjusterHired by you and licensed by the state. Works only for you.
Start your claim

Five minutes now. Months of calls you won’t have to make.

I read every request personally and reply the same business day. Prefer to talk first? Call me. The consultation is free.

Yashar Agah, MBA · Founder, Minalya Inc

I have 18+ years in the insurance industry. For more than 12 of them I worked inside FM Global, AFM and Travelers as a risk engineer and property underwriter, learning how insurers evaluate risk, price coverage and write policy wording. Since 2020 I have used that knowledge only for policyholders.

Your information goes only to me and is used only to prepare your agreement. Nothing is shared with anyone, including your insurer, until you sign and your cancellation window passes.

Step 1 of 4
About you
Exactly as on your insurance declarations page. Everyone named on the policy signs.Please enter at least one name.
Please enter a phone number.
Please enter a valid email.
Agreements and letters to your insurer are written in English.
Step 2 of 4
The property and the loss
Please enter the address of the damaged property.
Please choose a state.
Please enter the date (an estimate is fine).
I am licensed in California and Nevada only. For other states, call me and I will point you in the right direction.
Please choose the closest match.
Step 3 of 4
Your insurance
Please enter your insurance company.
You never pay a fee on money paid before you hire me.
Thank you for telling me. If you already have an attorney or another public adjuster, I need to talk with you (and your attorney) before anything is signed. Send this and I will call you.
Step 4 of 4
Review and send

Minalya Inc will contact you between 8 a.m. and 6 p.m. unless you ask otherwise.

Free consultation. No obligation until you sign.

Results

What representation has meant for past clients

Shared without identifying details.

Water loss · family displaced
Insurer paid$5,000
Recovered$90,000

A family with two young children was living in one hotel room. We reopened the claim and moved them into comparable housing.

Custom finishes
First offer$40,000
Recovered$175,000

The first offer ignored custom materials and matching. Documented scope and pricing changed the outcome.

Theft & vandalism
Insurer saidDenied
Recovered$70,000+

A denied claim, overturned and paid, including the owner’s personal property.

Sprinkler line leak · homeowner in her 70s
First claim$50,000
Second claim$135,000

We secured temporary housing for her and her elderly mother, which the insurer had resisted. When a second leak happened, she called Minalya first.

Results from past Minalya claims, shared without identifying details. Every claim is different, and past results do not guarantee a similar outcome.

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Questions people ask before signing

Not ready to sign?

Denied or underpaid claimsWhat to do when the insurer says no, or too little. Recorded statement helpPrepare before the insurer records your answers. Free consultationAsk questions first. No obligation.
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