2014 San Diego Firestorm: Public Adjuster Assistance for Homeowners

Brush Fire

The Greenspan Co./ Adjusters International San Diego Office

11665 Avena Place
Suite 208
San Diego, CA 92128

800.228.3550
619.296.3301
619.296.3302 (Fax)
Email San Diego Office

 Following the trauma of an evacuation, and the uncertainty of the condition of your home and possessions, comes the reality of the aftermath. Perhaps your home was spared total destruction, perhaps your home is full of smoke and ash or perhaps just your landscaping has been burnt away. Whatever the reality of the aftermath is, you now face the daunting task of putting together an insurance claim and negotiating with a professional adjuster representing an insurance company.

We at the Greenspan Company/Adjusters International have been helping firestorm victims put their lives back together starting with the 1991 Oakland Hills firestorm and every major firestorm to have hit the state since then. We have represented and have garnered recommendations from our clients who were affected by the 1993 Malibu and Laguna Beach fires, 2003 Cedar fire, 2007 San Diego and Malibu wildfires, 2008 and 2009 Santa Barbara fires, and the 2009 Station, Sayre and Yorba Linda wildfires.

The Greenspan Co./Adjusters International Client References and Testimonials

Our experts will accurately prepare a detailed claim taking into account the peculiarities of a firestorm loss.

  • The intense radiant heat that may have compromised utility lines in the earth.
  • The particulates of the smoke and ash which may cause serious health issues.
  • The total destruction of your home and perhaps your entire neighborhood.
  • Your home’s foundation may have been compromised or destroyed by the radiant heat.
  • How long will it take to rebuild?
  • Will competent trades people be available and at what premium?
  • Am I covered for the increased cost of construction?
  • Where will my family live while this process unfolds?
  • What is the best way to maximize all aspects of my claim so I don’t “Leave money on the table?”

Whether you believe the insurance company is your friend or you realize that it is “just business,” it is your responsibility to present your claim to the insurance company and demand payment. We have always believed that letting the insurance company decide how much should be paid on a claim is the same as asking the IRS to prepare your tax return. However well-meaning and sympathetic an individual may be, they must perform their job at the level and manner decided by their superiors. The simple truth is that your interests and those of the insurance company are not aligned.

What to do After a Loss

The loss you have recently suffered can be very draining…By immediately taking the proper actions, you have the power to minimize the disaster’s financial impact AND improve your recovery.

  • Report your loss to your insurance company.
  • Mitigate your loss and protect the property from further damage.
  • Control access to the premises.
  • Move quickly to save special property such as books, manuscripts, etc.
  • Take pictures/videos of your home/business
  • Find housing for your family
  • Have an initial policy analysis and claim strategy prepared.
  • Understand your duties and requirements.
  • Remember values are subjective in nature and vary considerably.
  • Be aware that you have certain time limits in which you must file a form, called a Proof of Loss.
  • Know the players, including who the insurance company’s representatives are.
  • Know your agent or broker’s role.
  • Document your activities in a log. Take notes on all conversations with your insurance company and its representatives.
  • Take a proactive position, you must make a claim.
  • By calculating your loss first, you have the advantage of telling the company adjuster you know something of what you are entitled.
  • Original or duplicate receipts are an important way to prove a loss. If no receipts are available, verification of ownership can be proven by affidavit.
  • Hire your own experts.
  • Do not rely solely on your historical records—secure current replacement estimates.
  • Coordinate the dwelling, personal property and loss of use claims.
  • Consult a Public Adjuster to see if they can help.
    1. Check their references
    2. Are they NAPIA members? (National Association Of Public Insurance Adjusters)
    3. Are they BBB members? (Better Business Bureau)
    4. Do they offer no-cost consultations?
  • Understand that your claim will have to be verified.
  • Understand the negotiation process.
  • Don’t let your insurance company dictate your settlement

The Greenspan Company/Adjusters International has one interest and one interest alone—
MAXIMIZE YOUR CLAIM IN THE MOST EFFICIENT WAY POSSIBLE.

DON’T GO IT ALONE — Call us at 619.296.3301 or visit our Contact Us page.