Public Adjuster in California
California wildfires and earthquakes cover acres of land every year, destroying businesses and private homes. We are local public adjusters helping property owners recover their losses. We prepare and handle insurance claims, and if needed, we can recommend a reliable contractor.
Damage caused by earthquakes or fire is not uncommon in California, just like water overflow. An additional threat to property comes from the yearly wildfires, which leave behind ashes instead of homes and businesses.
Almost everything happens suddenly. And now the owner is left dealing with damaged property and the insurance company. Unfortunately, even if the policy promises compensation, in practice the insurer often delays the process, hides details, or documents only part of the damages — all to reduce the payout.
We know what it’s like: to be left alone with the damages and the silence of the insurance company. Our team at On-Site Adjusting consists of licensed and accredited claims adjusters dedicated solely to public adjusting in California. We analyze your policy, identify weak points in the documentation, strengthen your position, and act quickly. We do everything so you don’t lose time, money, or peace of mind.
We are here when the insurance company stays silent. And we don’t disappear until you get what you deserve.
TOP PROBLEMS POLICYHOLDERS FACE WHEN FILING A CLAIM IN CALIFORNIA
Claim denial
Insurers look for any loophole to say that damage from fire or earthquake is not covered under your insurance policy.
Lowball estimate from the insurer
Hidden damage often gets ignored. For instance, smoke contamination or cracks after an earthquake may “accidentally” be left out of the inspection report.
Pressure tactics
After large wildfires or natural disasters, you are offered a quick but low compensation. They are counting on your acquiescence due to fatigue, stress, and urgency.
No matter what’s happening with your claim, we know exactly what to do.
When property is damaged and the insurance company is delaying, you should not go through this alone. In California, property faces serious challenges every year, such as technical failures, large-scale disasters caused by earthquakes, fires due to gas leaks, flooding from heavy rain, and so on.
Whatever happens from this list, the consequences are devastating. At minimum, disruption of normal comfort; at maximum, emotional breakdowns and huge unplanned expenses. For businesses, the situation is even more complicated: loss of use damages, halted operations, reduced profits, dissatisfied customers. And all of this happens against the backdrop of difficult, often non-transparent communication with the insurance company.
We are the team at On-Site Adjusting, licensed public insurance adjusters in California (License No. 4388919 and No. 6012768). If you think our duties only cover paperwork, you are mistaken. We provide turnkey adjuster services: carefully analyzing the insurance policy, conducting total loss inventory, identifying damages underestimated by the insurer, and handling insurance claim negotiation so that you receive fair compensation.
More than fifty of our clients have come to us with different problems:
- wildfire claims with total destruction of the building;
- collapse of residential and commercial buildings due to an earthquake;
- water damage from toilet overflowing from tank, pipe bursts.
We work for those who want results, not empty promises. Your situation matters. This is your property, your business, your life. And we are here to protect every square foot. We are ready to listen and offer a strategy that works.
Illinois Public Adjuster Agency License #3000872396
IL License No: 16960983
WI License No: 16960983
CA License No: 4388919
CA License No: 6012768
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WE WORK FOR YOU, NOT THE INSURANCE COMPANIES
Real Value, Not Lowball Offers
With 700+ claims secured, we fight for the full payout your loss deserves — not the insurer’s first offer.
Full Recovery: from Claim to Rebuild
One team handles it all: documentation, negotiations, and complete restoration.
24/7 Response. Fast Results
We’re always on call — ready to assess damage, build estimates, and launch your recovery plan without delay.
Our Services
Who Are We?
On-Site Adjusting is a professional team of home and business public adjusters. Valid licenses have allowed us, for the past 15 years, to help residents obtain compensation not only in California but also in Wisconsin and Illinois.
California fire, earthquakes and water damage completely destroy homes, businesses, equipment, documents — everything that has been built over the years by hundreds of families and entrepreneurs. And when the smoke clears, they are left alone with the ruins and the insurance company.
And then exhausted people come to us. We believe that everyone who pays insurance premiums every month deserves full compensation. Thanks to us, insurance payouts increase by 150–300%. The largest amount we helped a client recover after underpayment by an insurance company exceeded $3.1 million.
We do not make promises, we act. And we are always on the client’s side.
I’ve seen too many good people get lowballed after serious damage. You need someone who knows how the system works — and isn’t afraid to push back against the insurance company until every dollar of your loss is accounted for.
WHO WE HELP
Homeowners
Business owners
Members of Homeowners / Condominium Association
Rental property owners
Licensed California Public Adjuster Service Area
- Los Angeles
- San Diego
- San Jose
- San Francisco
- Fresno
- Sacramento
- Long Beach
- Oakland
- Bakersfield
- Oxnard
- Santa Monica
- Huntington Beach
- Santa Barbara
- Stockton
- Modesto
Don’t see your city listed? Contact us — we serve homeowners and businesses across all of California
The amounts we have managed to recover for our clients are not just dry statistics. Behind each payout is someone’s real story: a home damaged by wildfire, a business shut down because of a building collapse, a family left homeless because of seismic activity. People in California who faced loss, stress, and difficult negotiations with the insurance company.
We know how it works: the insurer offers the minimum, ignores part of the damages, or drags out the process. But we do not tolerate injustice, and that is why we act differently.
Our accredited claims adjuster records hidden damages, losses underestimated by the insurer, and details that truly affect the compensation amount. That is why On-Site Adjusting clients receive payouts 150–300% higher than what they were initially offered.
If you are now in a similar situation, if you are looking not just for a service but for a result, we are ready to take on your case.
Questions about your property damage? We’ve got answers.
Problems We Solve
- Appliance Malfunction
- Overflow Of Water
- Clogged Drain
- Ice Damming
- Building Collapse
- Slab Leak
- Lightning Strike
- Roof Damage
- Hail Damage
- Wind Damage
- Tornado Damage
- Wildfire Claim
- Smoke Damage
- Electrical Power Surge
- Car Crash Into Building
- Cyber Security Claim
Frequently Asked Questions
Dealing with a fire insurance claim or another insurance case? We answer what concerns homeowners and commercial property owners the most.
In California, we provide adjuster services under two licenses (License No. 4388919 and No. 6012768). All claims are processed transparently, in accordance with your policy requirements.
It doesn't hurt to contact an independent professional at any time, but the best time is when the damage has just been discovered, before calling the insurance company. We will record the losses correctly so that nothing is missed or understated.
No, we do not perform repair work, since this is prohibited by state law for public adjusters. We protect your interests in insurance matters and recommend trusted contractors we have worked with before and in whom we have confidence.
Nothing mandatory. Photos of the damages, a copy of the policy, or letters from the insurance company are a plus, but not a requirement. Our claim adjuster can start working even without additional documents.
Yes. We join at any stage, even if the claim is already open. We check whether everything is documented correctly and whether the insurer is trying to mislead you with fine words. The earlier a private adjuster is involved, the greater your chances of getting better compensation.
Even though in California the most common case is wildfire, we also work with businesses. We assign a commercial adjuster to your case. He prepares business interruption insurance claims, documents damages, negotiates with the insurance company, and ensures compensation so you can return to work as quickly as possible.
Made it through the fire?
Now don’t let paperwork, delays, or one wrong move ruin your recovery.
Here are the most common (and costly) mistakes people make after fire damage — and how to avoid them.
📲 Book a free consultation with our team today.
We fight for what your insurance owes you 👌
Before the insurance company writes their lowball estimate, we’re already on-site.
✅ Securing the property
✅ Documenting real fire damage
✅ Protecting the policyholder
First step after a fire: protect what’s left.
We handle emergency board-up and fight for your insurance claim.
📞 DM us or call 866-861-4992 for immediate help.
Insurance language is full of delays, fine print, and word games.
Sometimes the translation is way clearer than the original.
👉 Save this post for the next time your insurer calls.
❓Which “translation” have you heard the most? Drop it in the comments 👇
Insurance Claims, Public Adjuster, Insurance Humor, Insurance Delays, Fire Damage, Water damage
Insurance companies love to pretend they don’t see the real fire damage 🙈
✅ As licensed public adjusters, we review every detail of your insurance claim and fight back when they try to downplay losses.
💬 Have you ever had an adjuster minimize your fire or water damage?
Public adjusters can often help you secure 200+% more on your insurance claim settlement.
Why?
Because we dig deep into your policy, identify hidden coverage, and make sure you actually receive the benefits you’ve been paying for.
At the end of the day, insurance is a contract — not a favor 😉
The Right Insurance Agent Makes All the Difference
It’s not just about picking a name off a list — the agent you choose can shape how well you’re protected when things go wrong 🤔
A good one helps you get real coverage.
A bad one? Missed details, slow responses, and stress when you need support most.
Choose smart. Your future self will thank you 🙌
insurance claim insurance help public adjuster onsiteadjusting home nsurance fire claim fire damage
Whether it’s a burst pipe, fire loss, or storm damage, On-Site Adjusting protects property owners from underpaid claims.
📲 Public adjusting + restoration expertise = stress-free recovery
🔥 Palisades Fire Update: Families are still waiting for fair insurance claim settlements after devastating fire damage.
We’re licensed public adjusters.
We don’t work for insurance companies — we fight them to secure the payout you deserve.
📲 DM us if you or someone you know needs a free fire claim review
