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California homeowners are facing more insurance stress than ever. Wildfires, storms, and other disasters are happening with greater frequency, and insurers are tightening coverage, raising premiums, or pulling out of high-risk areas altogether. When a loss does occur, many families are shocked to find their payout doesn’t come close to covering repairs. …
Frequently asked questions about fire damage insurance claims Recovering from a fire is overwhelming. There’s the shock, the loss, and then the task of figuring out your insurance claim. This FAQ is here to give you clear, straightforward answers about fire damage coverage, how the process works, and how a public adjuster can stand by…
A recent court decision says the FAIR Plan’s smoke-damage policy was illegal: what it means for your past or future claim On June 25, 2025, a Los Angeles judge issued a decision that could change the way smoke-damage insurance claims are handled across California, especially for the more than half a million homeowners…
The “Easy Money” phase is over If your property suffered severe damage or was completely destroyed in the recent Palisades and Eaton fires, you may have already received an initial insurance payment. While this first payout might feel like a victory, it’s often just the beginning. Now comes the hard part. Initial insurance…
Blowing smoke If you’re dealing with smoke damage from recent California wildfires, you may feel like your insurance company is giving you more excuses than solutions. Underpayments and denials are becoming common, with some insurers offering payouts that aren’t enough to cover how much smoke damage cleaning costs. Here’s what you need to…
What you need to know about nonlicensed adjusters and your wildfire insurance claim If you’ve experienced damage from the recent Palisades or Eaton fires, you may be facing the daunting task of filing an insurance claim. And while you might already be expecting the process to be less than straightforward, new policies by the…
Affected by the Palisades or Eaton fires? Don’t rush your insurance claim — call first If you’ve been affected by the recent Palisades or Eaton fires, it’s important to take the right steps when dealing with your insurance claim. Filing too soon, or without the right documentation, can result in delays or underpayment. Before…
Good news for residents normally affected by Hurricanes!! According to the National Oceanic and Atmospheric Administration’s (NOAA’s) Climate Prediction Center the 2015 Atlantic hurricane season will likely be below normal. NOAA released its predictions this week, May 24-30, which is National Hurricane Preparedness Week. But lesser storms that don’t reach hurricane force can still…