FAQs

It is true, public adjusters make their money from the settlement, but they are limited as to how much they can take. There are in reality caps on how much they can take and these caps are legal restrictions. Case in point, during a state of emergency, public adjusters are entitled to no more than 10 percent of the total claim.

Truth is? West Coast Public Adjusters will work to get you as much as possible because it is in their best interest to get you a large settlement. You are likely to receive more in the end, even if you have to give a portion of whatever you get to the pubic adjuster.

Public adjusters are very trustworthy professionals that have your best interest at heart. They must undergo background checks and be fingerprinted before they can work. We are licensed professionals governed by a code of conduct. Criminals cannot get jobs as public adjusters, so you do not need to worry about being scammed.

Insurance companies are legally restricted from “punishing” you for working with a public adjuster by raising your premiums. Granted, your insurance company might not be happy you have chosen to hire a public adjuster, but in the end their opinion does not matter. They cannot charge you more money for doing so. West Coast Public Adjusters will be happy to work with you. 

Not only can your insurance provider not raise your rates for working with a public adjuster, they also are restricted from dropping you from doing so. Dropping coverage to retaliate against a customer is illegal. They do have the option of not renewing your coverage once your current policy expires, but they are not allowed to suddenly drop you.

A number of people believe that public adjusters are not necessary or are not “allowed.”

Not so! An insurance company agrees to pay the negotiated amount in the settlement. The amount you receive in a settlement when working with a public adjuster was an amount negotiated on your behalf and approved by your insurance carrier. There is nothing wrong with working with a public adjuster and it is actually something that can make the situation much easier for you. You have the right to hire a public adjuster to work in your best interest just as the insurance companies have their adjuster’s to do the same for them.

A public adjuster is a licensed insurance adjuster that works for you the policy holder, not the insurance company.  Our job is to assist with or fully handle the claim process for you to ensure your claim is settled as quic

Yes we are licensed in all California; we are located in Southern California but handle claims all across the entire state.

Look at it like this.  When selling your home or paying your taxes, you hire a realtor or an accountant to not only make it easier on yourself but also make sure everything is done right and there is no costly mistakes, especially here in California.  When it comes to property damage your insurance company’s #1 objective is to exploit what you don’t know and get you to unknowingly accept less thank you are entitled to.  A professional public adjuster for example will make it easier for you and get you the possible outcome with the most repair funds for your claim. We have handled successfully handled thousands of property damage claims. 

Filing a thorough homeowner’s insurance claim is often a very difficult process.  Public Adjusters are trained professionals in navigating insurance coverage, holding the carriers accountable, and maximizing settlement amounts.  Hiring a public adjuster ensures your claim gets the attention it deserves and prevents insurance companies from taking advantage of what you don’t know and denying or underpaying your settlement.

You should hire a public adjuster as soon as you’ve incurred damage to your property, and perferrable before contacting your insurance company, though it’s not required.  The earlier a CA public adjuster gets involved, the smoother your claim will go and quicker you will receive your settlement.  Public adjusters in CA work with the insurance companies to assess the damages expedite the process and ensure you receive the maximum repair funds that your policy coverage allows.

We handle covered losses such as: wind/hail, water, fire, theft/vandalism, smoke and storm damage.

You can, but just like an accountant will most certainly maximize your return, a public adjuster will almost always be able to maximize your policy’s payout.  Within a property loss claim, there could be hundreds of laws, provision and or guidelines that a policyholder might be unfamiliar with, resulting in many of thousands of unrecovered funds that otherwise could have been paid out.  This also means many additional repairs and new furnishings the homeowner could have received but didn’t.  West Coast Public Adjusting is highly experienced with all property loss claim types and will work to get you the maximum repair funds your policy allows.

You can, but both the insurance carrier’s adjuster and the independent adjusters work for the insurance company.  They are trained to incentivize to protect the carrier’s financial interest and save THEM the most money, not the other way around.  Public Adjusters in California are on the opposite side of the equations. They work for YOU the home or business owner, and are incentivized to get the insurance company to PAY as much as possible, which means recovering the most funds for you. We are experts at settling claims and can negotiate a (typically much) larger payout than most individuals can negotiate on their own.

No, it’s NOT too late to hire a public adjuster.  In the state of California, homeowner’s claims can be re-opened with in a one to four year period from the date of loss.  If you didn’t get the settlement you know you deserve, call us immediately.  We can review your claim, property damage and likely negotiate a higher payout for you.

Yes, you will almost always receive a bigger settlement that recovers more repair funds from your insurance company when you hire a public adjuster in California, or anywhere. A common example is if a small 4” corner of one kitchen cabinet get a little water damage, the insurance company is only going to offer some small patch work for just that tiny section. But many insurance policies actually include clauses that require the insurance to pay for all new cabinets.  These scenarios are very common and often many exist within a single insurance policy.  The carrier will never volunteer this information however, so not knowing any better the California homeowner would accept the initial offer and miss out on significantly more repair funds, new furnishings, a safer home and increased property value.  With a public adjuster on the claim, that’s a risk they don’t have take.