Success Stories That Show Why Having an Advocate Matters

Claim Type: Commercial Property Damage – Wildfire

Location: Agoura Hills, CA

Damage Categories: Structural Damage, Smoke & Soot Contamination, Business Interruption

In this case, a fast-moving wildfire swept through a large commercial property complex, causing partial structural burns, roof damage to multiple buildings, and extensive soot, ash, and smoke contamination. The fire also scorched tennis courts, burned trees and landscaped areas, destroyed sections of a private power plant, and severely damaged boat docks — including several boats moored at the facility.

• Structural & Roof Damage – Partial burns to exterior walls, structural framing, and widespread roof shingle and underlayment damage across multiple buildings.

• Recreational Facility Losses – Tennis courts and outdoor seating areas suffered heat blistering, surface warping, and perimeter fence destruction.

• Marine Damage – Boat docks were burned and warped, with several moored vessels sustaining severe fire and smoke damage.

• Landscape Destruction – Mature trees, shrubs, and landscaped features were scorched or destroyed, requiring full removal and replanting.

• Infrastructure Damage – Sections of a private power plant were burned; HVAC systems were contaminated by smoke and ash; exterior lighting, wiring, and control systems were melted or rendered inoperable.

• Surface & Finish Damage – Exterior paint blistered and warped; fencing was heat-damaged and deformed.

The insurance company resisted paying the full scope of the loss, using delay tactics such as repeated requests for duplicate documentation, sending multiple adjusters who issued contradictory reports, and omitting key damages from their assessments. They even attempted to treat some losses as unrelated to the wildfire event.

Paramount Public Adjusters took full control of the claim, performing a complete multi-facility inspection and coordinating specialized assessments for marine, electrical, structural, and recreational facility damages. We partnered with wildfire restoration experts to quantify repair and replacement costs accurately and ensured the claim was reviewed by an adjuster with experience in large-scale, multi-asset wildfire losses.

Through strategic documentation, expert assessments, and persistent negotiation, Paramount Public Adjusters secured a substantial settlement that covered all structural repairs, facility restorations, landscape recovery, marine losses, and business interruption damages — ensuring the property was fully restored and operations resumed without financial shortfall.

Claim Type: Residential Property Damage – Electrical Fire
Location: Southern California
Damage Categories: Structural Damage, Smoke & Soot Contamination, Electrical System Loss.

In this case, an electrical fault within the home’s wiring system ignited a fire that quickly spread through the attic and living areas. The blaze caused severe structural damage, extensive smoke and soot contamination, and rendered the electrical system unsafe for continued use.

• Structural & Framing Damage – Fire burned through attic trusses, wall studs, and sections of the roof deck, requiring removal and reconstruction.

• Roof & Exterior Damage – Flames breached the roof, destroying shingles and underlayment and causing heat damage to nearby siding and fascia boards.

• Interior Surface Damage – Drywall and insulation in multiple rooms were burned or smoke-stained, requiring demolition and replacement.

• Smoke & Soot Contamination – All rooms were affected by airborne soot, requiring full professional cleaning and deodorization.

• Electrical System Loss – Wiring, breaker panels, and outlets were damaged by heat and required full rewiring to meet current code.

• Personal Property Damage – Furniture, clothing, and household goods in the affected areas sustained smoke, soot, and heat damage.

Paramount Public Adjusters documented the full scope of fire and smoke damage through high-resolution photographs, thermal imaging, and contractor repair estimates. We coordinated with licensed electricians to provide code-compliant rewiring proposals and partnered with fire restoration specialists to assess the cost of cleaning, deodorizing, and restoring salvageable personal property.

By presenting a detailed, well-supported claim that incorporated structural repair costs, electrical system replacement, and comprehensive smoke remediation, Paramount Public Adjusters secured a settlement that exceeded the insurer’s initial offer. This allowed the homeowner to fully restore the home, replace damaged belongings, and bring all systems up to modern safety standards.

Claim Type: Commercial Water Damage
Location: Palmdale, CA
Damage Categories: Plumbing Leak, Equipment Damage, Business Interruption

In this case, a burst plumbing line in the unit above a medical office released a large volume of water into the ceiling and walls of the practice. The water intrusion spread rapidly, flooding examination rooms, hallways, and administrative areas before building maintenance could shut off the supply.

During the incident, the medical office sustained extensive property and equipment losses:

Ceiling & Wall Damage – Water saturation caused portions of the ceiling to sag and collapse, with drywall and insulation requiring complete removal and replacement.

Flooring Damage – Vinyl plank flooring throughout patient areas warped and buckled, necessitating full replacement.

Medical Equipment Loss – Exam tables, diagnostic devices, and sterilization units were exposed to water and rendered unusable due to safety and sanitation concerns.

Electrical System Impact – Water entered lighting fixtures, outlets, and wiring, creating safety hazards and requiring electrical repair and component replacement.

Mold Risk – Moisture trapped inside wall cavities created conditions for mold growth, prompting specialized remediation measures.

Business Interruption – The practice was forced to close for several weeks, resulting in canceled appointments and substantial revenue loss.

Paramount Public Adjusters documented all damage with high-resolution photographs, moisture mapping, and thermal imaging to identify hidden water intrusion. Detailed repair estimates were obtained from licensed contractors, while replacement costs for specialized medical equipment were supported with manufacturer pricing. Business interruption losses were calculated using prior income statements, and coverage was pursued for both property damage and lost revenue.

By presenting a thorough claim package—including photographic evidence, contractor estimates, equipment valuations, and financial records—Paramount Public Adjusters secured a significantly higher settlement than the insurer’s initial offer. This allowed the medical office to replace damaged equipment, restore the facility to full functionality, and recover lost income during the closure period.

Claim Type: Residential Property Damage – Tenant Vandalism
Location: West Hills, CA
Damage Categories: Interior Damage, Water Damage, Loss of Income

Incident Overview

In this case, a landlord discovered extensive property damage after evicting a tenant for nonpayment. Before leaving, the tenant vandalized the property, intentionally damaging walls, floors, and fixtures. Additionally, a toilet was left running and overflowing, causing water damage to the bathroom and adjoining rooms.

• Wall Damage – Holes, deep scratches, and graffiti were found on multiple interior walls, requiring full patching and repainting.

• Flooring Destruction – Hardwood floors were gouged, carpeting was stained beyond cleaning, and vinyl in the kitchen was torn.

• Water Damage – Overflow from a broken toilet saturated bathroom flooring, subfloor, and adjacent hallway, causing warping and mold risk.

• Fixture & Appliance Damage – Light fixtures were broken, cabinet doors removed, and kitchen appliances damaged.

• General Disrepair – Trash, debris, and personal items left behind required professional removal.

• Loss of Income – Due to the extent of repairs needed, the unit remained unrentable for several weeks, resulting in lost rental revenue.

Paramount Public Adjusters conducted a full damage inspection, photographing each impacted area and compiling contractor repair estimates. Water damage was documented with moisture readings, and mold remediation was included in the scope of work. Loss of rental income was calculated based on the lease agreement and comparable rental rates in the area.

By presenting a detailed claim package—including repair estimates, water damage documentation, and proof of lost rental income—Paramount Public Adjusters secured a settlement that fully covered restoration costs and compensated the landlord for the vacancy period.

Claim Type: Residential Burglary & Theft
Location: Sherman Oaks, CA
Damage Categories: Forced Entry, Stolen Property, Interior Damage.

In this case, intruders disabled the homeowner’s alarm system and forced entry by breaking the upstairs master bedroom door glass. Once inside, they targeted high-value personal property, including jewelry, designer purses, clothing, and other expensive personal items.

• Damaged Wood Flooring – Pulling and dragging furniture resulted in deep scratches, dents, and gouges in the hardwood.
   
• Displaced & Damaged Furniture – Items were overturned, moved forcefully, and left with visible impact marks.
   
• Scratched Walls & Trim – Furniture and objects scraped wall surfaces, leaving scratches, scuffs, and paint damage.
   
• Glass Damage – Broken master bedroom door glass required full replacement and frame repair.
   
• Security Compromise – Alarm system tampered with, requiring full system inspection and repair.
   

Paramount Public Adjusters documented every stolen and damaged item with photographs, inventory lists, and receipts where available. Forced entry and tampering were supported with police reports and forensic locksmith evaluation. Repair estimates were prepared for structural damage, flooring refinishing, painting, and security system replacement.

By presenting a comprehensive claim package—including proof of ownership, damage evidence, and market valuations—Paramount Public Adjusters secured a substantially higher settlement than the initial insurance offer, ensuring the homeowner could fully restore their property and replace stolen items.

 Claim Type: Commercial Property Damage – Vandalism & Burglary
Location: Tustin, California
Damage Categories: Forced Entry, Interior Contamination, Equipment Loss, Business Interruption

In this case, an intruder broke into a dental office after hours and vandalized the property by spraying a fire extinguisher throughout the entire office — including treatment rooms, hallways, reception areas, sterilization rooms, and storage spaces. The fine extinguisher powder contaminated all surfaces, sensitive dental equipment, and patient records. The intruder also caused physical damage to multiple areas and stole valuable dental tools and supplies.

• Extensive Interior Contamination – Fire extinguisher powder coated every surface, requiring specialized cleaning methods to prevent ongoing air quality and equipment issues

• Total Loss of Dental Supplies – All dental supplies, including medicaments, impression materials, composites, and cements, were discarded due to contamination.

• Disposal of All Disposable Items – All gloves, masks, suction tips, disposable gowns, gauze, and other single-use materials were deemed unsafe and fully discarded.

• Deep Sanitizing Required – Every room in the office, from treatment bays to reception and back-office areas, underwent deep sanitizing and disinfection to meet health and safety compliance for patient care.

• Equipment Loss – Several dental handpieces, imaging devices, and sterilization units were stolen or damaged beyond repair.

• Surface & Fixture Damage – Flooring, cabinetry, and wall finishes were scratched, gouged, or stained during the break-in and vandalism.

• Forced Entry Damage – Exterior door frame splintered, locks destroyed, and glass entry panel shattered.

• Business Interruption – The dental practice was closed for an extended period during cleaning, decontamination, and equipment replacement, causing significant loss of income and disruption of patient care schedules.

Paramount Public Adjusters performed a complete contamination and loss assessment, documenting every discarded item and damaged piece of equipment with high-resolution photographs, inventory logs, and police reports. We coordinated with dental supply vendors for replacement cost documentation, restoration companies for decontamination estimates, and accountants to calculate business interruption losses based on prior income and canceled appointments.

Through meticulous documentation and strategic claim presentation, Paramount Public Adjusters secured a settlement that fully covered deep sanitizing, complete supply replenishment, equipment replacement, and all associated business interruption losses—ensuring the dental practice could reopen safely and resume operations without financial hardship.

Claim Type: Commercial Burglary – Retail Store
Location:  Santa Monica, CA
Damage Categories: Forced Entry, Stolen Merchandise, Structural Damage

In this case, a coordinated group forced entry into a retail store by smashing the front glass doors. In under three minutes, they ransacked shelves, stole high-demand merchandise, and fled before police arrived.

• Entry Point Destruction – Tempered glass storefront doors and frames were shattered and required full replacement.

• Display Fixture Damage – Clothing racks, shelving, and product displays were knocked over and broken.

• Inventory Loss – Popular branded merchandise was stolen, creating an immediate sales impact

• Security Impact – Door locks and alarms were damaged, necessitating security system upgrades.

• Interior Surface Damage – Scuffs, scratches, and marks to walls and flooring occurred during the theft.

Paramount Public Adjusters documented the loss with photographs and inventory reports, using POS data and vendor invoices to confirm stolen merchandise value. Repair estimates for storefront and interior fixtures were compiled, and business interruption coverage was triggered to address revenue loss.

The final settlement exceeded the original insurer offer by a significant margin, covering property repairs, merchandise replacement, and security upgrades.

Claim Type: Commercial Water Damage –  Restaurant

Location: Encino,  California  

Damage Categories: Accidental Discharge, Equipment Damage, Business Interruption

In this case, a fire sprinkler system accidentally activated during off-hours, releasing thousands of gallons of water throughout the dining room, kitchen, and storage areas of a busy restaurant.

• Ceiling & Lighting Damage – Ceiling panels collapsed from water weight, damaging integrated lighting fixtures.

• Flooring Damage – Hardwood and tile flooring were saturated and warped, requiring full replacement. Kitchen Equipment Loss – Ovens, refrigerators, and prep stations suffered electrical and mechanical failures due to water exposure. 

• Food Inventory Loss – Perishable items and bulk dry goods were contaminated or destroyed. Mold Risk – High humidity and wet surfaces required immediate remediation to prevent mold growth. 

• Revenue Loss – The restaurant was forced to close during peak season, losing substantial income.

Paramount Public Adjusters performed comprehensive damage documentation with photography, moisture mapping, and equipment testing reports. Detailed contractor estimates were compiled for flooring, ceiling, and kitchen equipment replacement. Business interruption and food spoilage coverages were both triggered.

By leveraging detailed documentation, industry-specific valuations, and policy coverage analysis, Paramount Public Adjusters secured a settlement that covered full restoration costs, equipment replacement, and lost revenue recovery. 

Claim Type: Residential Property Damage – Water Damage
Location: Southern California
Damage Categories: Plumbing Failure, Structural Damage, Interior Damage, Personal Property Loss

In this case, the homeowner was out of town for several days when the bidet hose in an upstairs bathroom burst. Uncontrolled water flowed continuously, flooding the bathroom, saturating the upstairs flooring, and seeping down into the lower level. By the time the water was discovered, the damage had extended throughout multiple rooms, affecting both structural elements and personal property on both floors.

• Ceiling Collapse – Water saturation caused the downstairs kitchen ceiling to collapse, damaging cabinetry, lighting fixtures, and appliances.

• Flooring Damage – Hardwood floors upstairs buckled and warped; downstairs flooring was also damaged. Tile flooring in the upstairs bathroom had to be removed, and because it matched the shower walls, the insurance covered full replacement of all matching tiles for visual continuity.

• Bathroom Vanity Damage – The upstairs bathroom vanity was waterlogged and warped, requiring full replacement.

• Cabinetry & Millwork Damage – Custom kitchen cabinets were stained, swollen, and beyond repair.

• Drywall & Insulation Damage – Walls and ceilings throughout both levels were waterlogged, requiring demolition and replacement.

• Electrical Hazards – Water infiltration into ceiling and wall cavities affected electrical wiring and fixtures, requiring inspection and repairs.

• Personal Property Damage – Contents in both the upstairs and downstairs, including rugs, furniture, and electronics, were soaked and irreparably damaged.

• Mold Risk – Standing water and prolonged dampness created conditions for mold growth, requiring specialized remediation.

Paramount Public Adjusters conducted a full water damage assessment, including moisture mapping and thermal imaging to detect hidden water intrusion. We prepared a comprehensive repair estimate covering demolition, structural drying, mold remediation, and full restoration of finishes — including the matching tile replacement in the bathroom.

Personal property losses on both floors were inventoried, documented with photographs, and valued at current replacement cost. We also pursued additional living expense coverage to compensate the homeowner for temporary housing costs while the home was uninhabitable.

Through detailed documentation, expert damage assessment, and persistent negotiation, Paramount Public Adjusters secured a settlement that fully covered structural repairs, matching tile replacement, personal property replacement for both floors, and temporary living expenses — allowing the homeowner to restore their home and belongings without financial loss.

 Claim Type: Residential Property Damage – Wildfire
Location: Southern California
Damage Categories: Structural Damage, Smoke & Soot Contamination, Landscape Damage, Personal Property Loss

In this case, a fast-moving wildfire swept through a residential neighborhood, partially burning exterior structures and causing extensive smoke, soot, and ash contamination to the home’s interior and personal property. In addition to visible structural damage, the fire compromised roof components, blistered exterior paint, and destroyed landscaping.

Despite clear wildfire-related damages, the insurance company engaged in delay tactics intended to wear down the homeowner—including repeatedly requesting the same documentation, switching adjusters multiple times to create confusion, and pushing back on valid smoke and soot contamination claims.

• Structural & Exterior Damage – Heat from the wildfire caused warping and blistering of siding, partial roof shingle damage, and compromised attic ventilation systems.

• Interior Smoke & Soot Contamination – Smoke infiltration impacted every room, coating walls, ceilings, HVAC ducts, and personal belongings with microscopic soot particles.

• Roof & Gutter Damage – Heat warped shingles, melted vents, and damaged gutters, allowing water intrusion risk.

• Landscape Loss – Mature trees, plants, and fencing were scorched or destroyed, requiring removal and replanting.

• Personal Property Damage – Clothing, furniture, electronics, and household goods were contaminated and required professional cleaning or replacement.

Paramount Public Adjusters conducted a full-property inspection, documenting both visible and non-visible smoke damage with high-resolution photos, particulate testing, and thermal imaging. We cataloged all personal property losses with inventory lists and replacement cost documentation.

We countered the insurer’s delay tactics by:

• Responding promptly to repeated document requests with organized claim packages.
   
• Providing independent expert reports to refute the insurer’s smoke damage pushback.
   
• Ensuring all communications were documented to prevent shifting positions by multiple adjusters.
   

Repair estimates included structural restoration, full HVAC duct cleaning and replacement, repainting, roof repairs, and personal property cleaning/replacement.

By maintaining a proactive, evidence-driven approach, Paramount Public Adjusters overcame the insurer’s delay and minimization strategies. The final settlement covered the full scope of wildfire damages—structural repairs, smoke remediation, personal property replacement, and landscape restoration—allowing the homeowner to restore their home and possessions without financial shortfall.

Location: Southern California
Damage Categories: Fire Damage, Smoke & Soot Contamination, Water Damage, Loss of Rental Income

In this case, a transient squatter unlawfully entered a vacant residential rental property and intentionally set fire inside the unit. The blaze damaged the kitchen area and adjacent rooms, producing heavy smoke and soot contamination throughout the property.

Firefighting efforts, while preventing the fire from spreading to other units, caused significant water damage to flooring, drywall, and electrical systems. The property was rendered uninhabitable, and the landlord lost several months of rental income during the extensive repair process.

• Fire Damage – Burned cabinetry, countertops, appliances, and structural components in the kitchen and nearby rooms.

• Smoke & Soot Contamination – All rooms affected by pervasive smoke odor and microscopic soot particles.

• Water Damage – Saturated drywall, warped flooring, and damaged electrical wiring from firefighting water.

• Loss of Rental Income – Multiple months of vacancy during full restoration.

Paramount Public Adjusters performed a detailed on-site inspection, capturing high-resolution photographs, smoke particle testing, and moisture mapping to document the full scope of loss.

We prepared a comprehensive claim package including:

• A complete fire restoration scope with line-item estimates for rebuild, cleaning, and odor remediation.

• Expert testing reports confirming smoke and soot contamination throughout the home.

• Proof of lost rental income with market-rate documentation.

Our negotiation approach emphasized both the intentional nature of the loss (vandalism/arson) and the compounding damages from smoke, soot, and firefighting water.

Through detailed evidence and aggressive advocacy, Paramount Public Adjusters secured a settlement covering full structural fire repairs, smoke and odor remediation, water damage restoration, and reimbursement for the landlord’s lost rental income.

Location: Southern California
Damage Categories: Theft & Burglary Loss, Structural Damage, Water Damage, Inventory Loss, Fixture Damage

In this case, burglars gained access to a pharmacy by cutting through the roof of an adjacent nail salon and breaching the shared wall. The break-in occurred during a rainy night, leaving an open roof section that allowed rainwater to enter the pharmacy.

Once inside, the burglars ransacked the premises, stealing thousands of dollars in prescription medications. They also damaged cabinetry, broke canister locks, and destroyed parts of the flooring while searching for controlled substances. Rainwater intrusion caused additional damage to shelving, inventory, flooring, and cabinetry.

• Structural Damage – Roof breach in the adjacent property and wall penetration into the pharmacy.

• Water Damage – Rainwater intrusion saturating floors, cabinetry, and shelving; risk of mold growth.

• Cabinetry & Fixture Damage – Broken pharmacy cabinetry, destroyed canister locks, and damaged shelving systems.

• Flooring Damage – Warped and stained flooring requiring full replacement.

• Inventory Loss – Theft of high-value medications and water damage to stock left behind.

• Equipment Damage – Exposure of computers, refrigeration units, and other electronics to water.
• 
  

Paramount Public Adjusters documented both the burglary and water damage in detail with photographs, moisture readings, inventory valuations, and repair estimates. Law enforcement reports and security footage (where available) were incorporated into the claim file.

Our claim package included:

• Complete repair scope for wall and roof breach.

• Replacement estimates for damaged cabinetry, shelving, and canister locks.

• Full flooring replacement due to water saturation and damage.

• Inventory valuation for stolen and water-damaged medications.

• Equipment repair and replacement costs.

Negotiations emphasized that the theft, property damage, and rainwater intrusion were all part of a single, continuous covered event.

Through thorough documentation and strategic negotiation, Paramount Public Adjusters secured a settlement covering structural repairs, cabinetry and fixture replacement, full flooring replacement, inventory and equipment replacement, and complete water damage remediation.