At the beginning of 2025, a forest fire swept through Pacific Palisades. In addition to losing their homes, thousands of people faced another problem – the struggle for compensation.
Do you think the insurance company wants to help you? His job is to protect the interests of his employer and to pay you as little as possible.
Can you fight back on equal terms? Absolutely. Especially when the best public adjuster in California works only for you and knows every inside trick when it comes to fire insurance claims.
What Happened in the Palisades Fire
The Palisades Fire California 2025 broke out, namely on January 7. According to NASA, the fire covered more than 23,448 acres, destroying more than 6,800 buildings. It spread rapidly and forced the authorities to declare evacuation zones for more than 200,000 people.
Source: Fox News
Only 20 days after the fire did the Los Angeles authorities officially lower the level of evacuation restrictions and allow residents to enter the Palisades area.
Walking through ashes, charred walls, and collapsed roofs, many realized that the road to recovery would be long and difficult. And it starts with filing a Palisades Fire Insurance Claim.
Why Insurance Companies Often Lowball After Wildfires
When a disaster of this scale occurs, the pressure on insurance reserves intensifies. According to Verisk estimates, insurance losses from the Palisades Fire alone reached $20–25 billion.
To minimize these payouts, insurers often resort to one common tactic: underpaying repair costs. One of their main tools is depreciation – lowering the value of your property due to age, wear, or prior condition. Insurers frequently overstate depreciation to reduce your payout dramatically.
Here’s how it works in practice:
- Replacement Cost Value (RCV) of your roof: $50,000
- Insurance company applies 36% depreciation because of the roof’s age
- Depreciation withheld: $18,000
- Immediate payout (Actual Cash Value, ACV): $32,000
The remaining $18,000 is released only after you prove that the full repairs are completed.
The task of public adjuster companies is to challenge unfair depreciation and prove the real, market value of restoration.
How a Licensed California Public Adjuster Helps You Recover Fully
When you hire a licensed public claim adjuster from On-Site Adjusting, you bring in an expert who takes over the initiative from the insurance company. How exactly do we protect your interests at every stage of California Wildfire Insurance Claims? Professionally, clearly, and consistently – in three stages.
Stage 1. Damage Assessment
As your personal fire claim adjuster, we conduct a thorough inspection of the property, documenting damage:
- obvious (burned walls, destroyed roof);
- hidden (thermal deformation of structures, smoke contamination in ventilation systems).
We know what to look for to ensure that no detail is missed.
Stage 2. Evidence Collection
The insurance company’s adjuster will spend an hour on your property. The On-Site Adjusting team – days, if needed. Everything is done to collect a complete set of documents for both a Homeowners Insurance Fire Damage Claim, CA, and a Business Fire Damage Claim California.
What do the documents include? Specifically, dozens to hundreds of photos, detailed repair estimates from fire damage contractors, expert reports, and an inventory of lost property.
Stage 3. Negotiation
The insurance company, counting on your fatigue and shock, hopes you will agree to the minimum payout.
This is where our work begins. We do not ask for more money without reason; we justify every penny of your claim based on:
- reports prepared by our team;
- state building codes;
- current market prices.
We are not interested in a compromise solution. Our goal is to negotiate insurance settlement with a guarantee of full compensation.
On-Site Adjusting is your California Public Adjuster for Fire Damage with a valid license, leveling the playing field in the fight against the insurance giant.
Steps to Take If Your Property Was Affected by the Palisades Fire
The insurance company hopes that you will accept the first offer just to get it over with. To avoid this, focus on key points:
- Safety first. Before entering the property, make sure power lines are not down and there are no damaged structures.
- Contact a public adjuster for insurance claim before filing. By reaching out to us before contacting the insurance company, you avoid potential errors in documents. We will help properly prepare your Palisades Fire Insurance Claim.
- Document everything. Take as many photos and videos as possible of all damage from different angles. Do not discard damaged items until your public fire adjuster has documented them.
- Do not sign the insurance company’s first offer. In 99% of cases, it is undervalued. Do not agree to it or sign any documents without consulting an expert.
Your task after the fire is to restore your home, regain peace, and a sense of security. The last thing you need is to become a property damage adjuster while life is on hold. Delegate this to professionals.
Why Choose On-Site Adjusting for Your Fire Damage Claim
Insurance companies have in-house lawyers, valuation experts, and decades of experience in minimizing payouts. And what do you have?
With On-Site Adjusting, you get the same, if not greater, professional power on your side. We are not just another company; we are your strategic asset, and here’s why:
- We are a local company with a California license. We do not operate nationwide. However, we are officially licensed to provide services in California (License No. 4388919), as well as in Wisconsin and Illinois. We understand how to handle fire damage claims in these states.
- We have proven experience with fire damage claims. Experienced commercial fire damage? Need payouts for residential fire restoration? We have won over 700 cases, increasing client payouts by an average of 200%. We can protect your interests and achieve results you will be satisfied with.
- We think like builders and fight like adjusters. We combine licensed expertise with hands-on experience in building restoration. While the law does not allow us to be your adjuster and contractor simultaneously, this construction experience is invaluable.
- We promise transparency and dedicated client advocacy. We handle 100% of communications with the insurance company. You no longer have to wait on hold for hours, argue with adjusters, or navigate complex documents.
What does all this mean for you? You receive high-quality adjuster services from On-Site Adjusting and complete confidence that the final check from your insurance company will reflect the true cost of repairs.
Get Help Now
Every day you wait after a fire is another day the insurance adjuster builds a case against you. Their goal is to close your claim as quickly and cheaply as possible.
Don’t start this process at a disadvantage. Get qualified Fire Damage Insurance Help California today.
Call us for a free consultation at (866) 861-4992 or (866) 933-0404, or fill out our contact form.
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