Your Claim, Our Fight — Paramount Public Adjusters

 A public adjuster is an independent licensed professional who represents policyholders—not the insurance company—in the insurance claim process. At Paramount Public Adjusters, we handle the paperwork, documentation, inspections, and negotiations to help ensure you receive a fair settlement. 

 Insurance company adjusters work for the insurer. Our job is to work only for you. We focus on identifying the full scope of your loss, properly documenting it, and negotiating for the maximum compensation allowed under your policy. 

We handle first-party claims for homeowners and businesses. Our public adjusters document your loss, build a complete estimate, and negotiate for the full, fair settlement your policy provides.

Covered claim types include:

• Business and Residential Burglary & theft
   
• Business and Residential Water damage
   
• Business and Residential Fire & smoke damage
   
• Business and Residential Wildfire damage
   
• Business and Residential Vandalism
   
• Business and Residential Storm & wind damage
   
• Business and Residential Mold (and more)
   

Service Area: Los Angeles, Ventura, and Orange Counties (and surrounding SoCal).

 Public adjusters typically work on a contingency basis, meaning we are paid a percentage of the final settlement. Fees vary depending on claim complexity, but in California they are capped by law. You won’t pay upfront—our fee comes from the recovery we help secure. 

 Yes. Even if you’ve already filed, we can step in, review the claim, and take over the documentation and communication with your insurance company. In many cases, we identify overlooked damages or policy coverages. 

 Public adjusters generally cannot take claims that have already been formally denied. However, we can review your denial and, if appropriate, refer you to professionals who may be able to assist further, such as attorneys. 

Not necessarily. Our process is designed to move claims forward while making sure everything is fully documented. Sometimes negotiations take longer because we are pushing for a higher, more accurate settlement—but the extra effort often results in better outcomes. 

 Often, yes — but it depends on your policy.

• Business Personal Property (BPP): Most commercial property policies include coverage for the contents inside your business — such as inventory, machinery, electronics, furniture, and supplies. However, insurers may apply sub-limits (for categories like electronics, cash, or specialty equipment) or reduce payouts through depreciation.
   
• Business Interruption (BI): Many policies also include Business Interruption coverage, which helps replace lost income, payroll, and ongoing expenses while your business is closed or operations are reduced after a covered loss. This coverage can be vital for keeping your business afloat during recovery.
   

Insurance companies often try to limit or deny these coverages by:

• Disputing whether the interruption was fully caused by the insured event
   
• Applying narrow interpretations of “covered losses”
   
• Overlooking hidden or secondary damages
   

At Paramount Public Adjusters, we review your policy, identify all applicable coverages, and make sure both property damage and business interruption are properly documented and included in your claim.

 Yes. If your business suffers a burglary or theft, Paramount Public Adjusters can represent you throughout the insurance claim process. We will:  Document the losses, review the policy, prepare the claim — creating a detailed contents inventory, collecting receipts, model/serial numbers, and supporting proof of loss, and negotiate the claim — challenging lowball offers and ensuring all damages, cleanup costs, and potential business interruption are included in your settlement. 

 Absolutely. If your home has been burglarized, Paramount Public Adjusters can represent you in filing and managing your insurance claim.  From start to finish, we handle communication with the insurance company so you can focus on restoring your peace of mind. We work on your behalf to:  Document Stolen & Damaged Property, Review Your Policy, Prepare the Claim — Create a detailed contents inventory, gather available receipts or alternate proof of ownership, and file the proof of loss correctly, Negotiate the Settlement . 

Paramount Public Adjusters can help. Vandalism can leave behind graffiti, broken fixtures, destroyed flooring, and other costly damages. Insurance companies sometimes treat vandalism differently than burglary, with separate provisions and exclusions. Paramount ensures all damages are properly categorized and presented so you receive full compensation. 

 Receipts help, but they are not always required. We use photos, serial numbers, credit card statements, vendor catalogs, and comparable market research to establish value for your stolen or damaged items. 

 Yes. Storms and high winds can cause roof leaks, broken windows, water intrusion, and damage to personal property. We ensure every repair and replacement is properly estimated and included in your claim, from roofing to interior finishes. If your home is uninhabitable, we review ALE (Additional Living Expenses) coverage to help with relocation costs. 

 Yes. Water damage is one of the most common — and most complicated — insurance claims. Whether you’re a homeowner or a business owner, Paramount Public Adjusters can represent you.

For Homeowners, water damage often affects: Flooring, cabinetry, and drywall, Bathrooms and kitchens, Furniture, rugs, and electronics, Risk of mold growth if not properly remediated
 

For Business Owners, water damage can disrupt operations and cause: Damaged inventory or raw materials, Ruined office furniture, electronics, and records, Structural and equipment damage, Business interruption and lost revenue
 

Insurers may attempt to deny coverage, claiming the damage was “gradual” instead of “sudden and accidental.” We push back by fully documenting the event, proving the true cause of loss, and negotiating for the maximum settlement under your policy.

We cannot give advice on premiums. Insurance companies consider many factors when setting rates. Our role is to make sure your existing coverage is applied correctly and that you receive what you’re entitled to under your policy. 

 Yes. Wildfire and smoke damage are among the most serious claims we handle at Paramount Public Adjusters. Even if flames never touched your house, smoke, soot, and ash can contaminate walls, ceilings, furniture, clothing, electronics, and HVAC systems — damage insurers often try to overlook or undervalue. 

 Yes. Not all fires are caused by wildfires — many start inside the home or business from electrical failures, kitchen accidents, or equipment malfunctions. At Paramount Public Adjusters, we handle all types of fire and smoke claims, including electrical fires, heater malfunctions, and accidental blazes that spread smoke and soot throughout a property.

For homeowners, we document damage to structure, furniture, electronics, and personal property, while also reviewing coverage for Additional Living Expenses (ALE) if your home is unlivable.

For business owners, we represent claims involving: Damaged inventory and equipment, Smoke-contaminated goods and furnishings, Repairs to offices, warehouses, or retail spaces, Business interruption coverage for lost income while you rebuild No matter the cause of the fire, our role is to advocate only for you — the policyholder — and secure the maximum settlement your policy allows.

Every claim is different. Smaller claims may settle in weeks, while complex or high-value claims may take several months. Our goal is always to keep the process moving efficiently while protecting your interests. 

Paramount Public Adjusters proudly serves property owners throughout Southern California, including Los Angeles County, Ventura County, and Orange County. 

Yes. Paramount Public Adjusters proudly serves clients throughout Southern California, including Los Angeles, Ventura, and Orange Counties. For major or complex property damage claims, we also handle cases beyond Southern California, extending into Northern California and other parts of the state when needed. No matter where your loss occurs, our priority is making sure you receive the settlement you deserve.