Free Insurance Claim Review
A free insurance claim review is a look at your loss, your policy and your insurer’s letters by a licensed public adjuster, at no cost or obligation. Send the form or call (888) 971-2524. We call back the same business day. We read your policy and the carrier’s letters, and tell you whether we can add value, and why.
Tell Us What Happened. We’ll Read Your Policy.
There is no cost or obligation for the initial review.
- No upfront cost
- You always have final say on any settlement
- CA DOI License No. 6015234
Where we work
Santa Monica, Sacramento, San Francisco, Reno, Portland, Seattle and Scottsdale, plus Utah, Hawaii and Colorado.
Firm licenses: California, Nevada, Oregon, Washington, Arizona and Colorado. Offices and local numbers
Your Claim. Our Fight.
What Happens After You Submit
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01
We call you, the same business day.
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02
We read your policy and the carrier’s letters.
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03
We tell you whether we can add value, and why.
If you hire us, the percentage is set in writing before we start. A senior adjuster leads your claim, from the first call to the final settlement.
What a Free Insurance Claim Review Covers
We read the whole policy, endorsements included. We identify all avenues of recovery available under your policy, and check what the carrier has paid or offered against each one.
- Dwelling
- Other structures
- Contents
- Loss of use
- Code upgrades
- Debris removal
Each bucket gets measured on its own. We measure what the first estimate missed.
Smoke damage. Offered $17,000. Settled for about $1.1 million, after an industrial hygienist proved combustion byproducts in porous materials and doors.
Results reflect specific losses and policies. Past results don’t guarantee a similar outcome.
How fees work
No upfront cost. We’re paid a percentage of what we recover.
The percentage is set in writing before we start. In California, our fee can never leave you with less than your insurer had already paid before you hired us.
Where we work
Santa Monica, Sacramento, San Francisco, Reno, Portland, Seattle and Scottsdale, plus Utah, Hawaii and Colorado.
Firm licenses: California, Nevada, Oregon, Washington, Arizona and Colorado. Offices and local numbers
Monday to Friday, 9 AM to 5 PM Pacific
1610 R Street, Suite 300
Sacramento, California 95811, USA
CA DOI License No. 6015234
We represent the insured only.
- Licensed in six states
Your Claim. Our Fight.
Before you sign anything.
What if my claim isn’t covered?
We’ll tell you at the free review, before you sign anything.
When we’ll tell you not to hire us.
If the carrier’s offer is already fair, or the loss is small enough that our fee would outweigh what we add, we’ll say so at the free review.
You always have final say on any settlement.
Your Questions.
Straight Answers.
Still have a question?
Request My ReviewMonday to Friday, 9 AM to 5 PM Pacific.
We call back the same business day.
Is the claim review really free?
Yes. There is no cost or obligation for the initial review.
How are you paid?
No upfront cost. We’re paid a percentage of what we recover. The percentage is set in writing before we start.
I already have an offer. Is it too late?
Usually not. We can reopen scope before you accept. In California, our fee can never leave you with less than your insurer had already paid before you hired us.
Will hiring you slow my claim?
It can. A 2010 Florida state study of claims at Citizens Property Insurance (OPPAGA Report 10-06) found that claims with a public adjuster took longer to settle than claims without one, and that the payments were higher before fees. More of the loss gets measured and argued, and that takes time.
Do I still talk to my insurer?
You can. Most clients prefer we handle it. California law gives you the right to communicate with your insurance company at any time.
Can I cancel?
In California, within three business days of signing and receiving the contract, or five calendar days in a declared catastrophic disaster area.
What should I send?
Your policy, the carrier’s letters and photos, if you have them. All optional. You can also send them after the first call.
Call Before the Carrier Sets the Narrative.
Your insurance company has an adjuster protecting their interests. You have the right to one too.
Monday to Friday, 9 AM to 5 PM Pacific
