Your Claim Advocate From Start to Settlement
We help tenants recover payouts for personal property loss and additional living expenses.
If you’re a renter or tenant dealing with fire, water, smoke, or theft damage, the insurance claim process can be stressful and complicated. Policies are often confusing, and insurers may undervalue your losses. At Paramount Public Adjusters, we represent renters across Los Angeles, Ventura, and Orange Counties, ensuring your claim is handled with accuracy, expertise, and your best interests first.
We handle every step — documenting losses, preparing detailed estimates, reviewing coverage, and negotiating directly with the insurance company — so you can focus on getting back to normal. From smoke contamination and water damage to burglary losses, we act as your dedicated claim advocate, protecting your rights and working to secure the maximum settlement you deserve.
Renter & Tenant Insurance Claims – Fire, Water, Smoke, Theft
Common Claim Scenarios for Renters/Tenants
- Water Intrusions – Burst pipes, roof leaks, or flooding that destroy clothing, furniture, and electronics.
- Fire & Smoke Events – Flames, soot, or smoke contamination making personal property unusable.
- Burglary & Theft – Loss of valuables such as jewelry, laptops, or personal records stolen from the unit.
- Vandalism Damage – Broken doors, shattered windows, or ruined belongings caused by intruders.
- Mold & Mildew Growth – Moisture from hidden leaks damaging clothing, bedding, and household items.
- Appliance Failures – Malfunctioning dishwashers, refrigerators, or water heaters causing costly damage.
- Electrical Surges – Sudden power issues destroying electronics, appliances, or entertainment systems.
- Loss of Use / Displacement – Hotel stays, meals, and relocation expenses when the rental becomes uninhabitable
Common Damages claimed for Renters
- Personal Property Loss – Furniture, electronics, clothing, and valuables damaged by water, fire, or theft.
- Displacement & ALE (Additional Living Expenses) – Hotel stays, meals, and temporary housing when your rental unit is unlivable.
- Water & Mold Damage – Leaks, burst pipes, or flooding that ruin belongings and create health hazards.
- Fire & Smoke Damage – Contamination of clothing, appliances, and electronics from fire events.
- Burglary & Vandalism – Compensation for stolen property or damaged personal items.
- Advocacy – Making sure renters’ coverage pays fairly and fully.
What We Do for Tenants
What We Do for Tenants
- Free Claim Review: We assess your policy coverage and damage
- Onsite or Virtual Inspection: We document losses with detailed photos or 3D scans
- Contents & Personal Property Valuation: We inventory damaged items and assign fair-market replacement values
- Estimate Preparation: We create professional reports using industry-standard tools like Xactimate
- Claim Submission Support: We help organize and submit everything your insurer needs
- Supplement & Negotiation: If needed, we assist with any underpaid or denied claims