Insurance Claim News & Tips

Insurance claim denied? The six denial reasons we see most, and what each one actually means

A denial letter is the carrier's opening position, not a verdict. Most denials rest on one of six arguments, and each has a specific answer. Here is how to read yours and what to do in the first week.

Mold claim capped at $5,000? Why the leak that caused it may be the real claim

Most homeowners policies limit mold coverage to $5,000 or $10,000 — nowhere near the cost of remediation. But mold is almost always the result of a water loss, and the water loss is often fully covered. How the claim is framed decides which limit applies.

Vandalism claim on your rental denied? What Nevada landlords should know

A landlord policy that lists vandalism and malicious mischief as covered perils can still produce a denial — usually through a vacancy clause or a tenant-damage exclusion. Here is how those denials work, and why many of them do not survive a careful reading of the policy.

Metropolitan Adjustment Bureau: A Trusted Advocate for Southern California in the Wake of the Wildfires

As featured in The South Pasadenan: local public insurance adjusters helping hundreds of families who lost everything in the Eaton and Palisades fires recover, rebuild, and secure the settlements they are owed.

New California insurance laws taking effect in 2026: What policyholders need to know

Several new California insurance laws are set to take effect in 2026, bringing significant changes for homeowners and commercial property owners. Here's what you need to know to protect your rights.

Why insurance claims are denied, delayed, or underpaid and what homeowners can do

Insurance claims can run into challenges for several reasons. Some are denied due to disagreements about the cause of loss. Others are delayed because inspections are incomplete or documentation is missing.

How public adjusters document, value, and negotiate property claims

Public adjusters coordinate every step of the claim process, from identifying damage to negotiating the final settlement. Their work creates a complete and accurate record of the loss.

Your rights as a California policyholder during an insurance claim

California has clear rules governing how insurers must handle claims. These rules ensure fair communication, complete investigations, and transparent settlement decisions.

Understanding water, plumbing, and roof leak damage claims

Water can move unpredictably through a home. It spreads under flooring, into subfloors, along wall cavities, and across ceiling spaces. Proper inspection is essential to avoid missing hidden damage.

How public adjusters help after fire, smoke, and structural damage

Fire and smoke losses often reach well beyond the area where flames were visible. Heat, soot, and airborne particulates move through attics, wall cavities, and ductwork.

What a public insurance adjuster does and when homeowners should call one

When the smoke finally cleared, Daniel and Marisa stood in their kitchen staring at what looked like a small fire contained to one wall. That's when a friend told them to contact a public insurance adjuster.

7 ways to cut through insurance delays after a disaster

In the weeks following the recent LA fires, insurance companies were flooded with thousands of claims. Here are seven best practices that can help you protect your rights and move your claim forward.

5 common mistakes that can sink your insurance claim

California homeowners are facing more insurance stress than ever. Based on our experience, five mistakes account for most denied, delayed, or underpaid claims.

Fire damage insurance claim FAQ: Your questions answered

Recovering from a fire is overwhelming. This FAQ gives you clear, straightforward answers about fire damage coverage, how the process works, and how a public adjuster can help.