Expert Public Adjusters for Fire & Water Damage Claims
Serving CA, AZ, WA, ID, CO & TX | 27+ Cities | Licensed | No Recovery, No Fee
Our Services
Specialized public adjusting services for property damage claims
Fire Damage Claims
Expert assessment and negotiation for fire, smoke, and soot damage claims.
Learn More →Water Damage Claims
Flood, pipe burst, storm damage, and sewage backup claim specialists.
Learn More →Earthquake Damage
Seismic damage, foundation cracks, and structural earthquake claim specialists.
Learn More →Collapse Claims
Structural collapse, building failure, and foundation collapse claim experts.
Learn More →Why Choose Apex Adjusting Group
We fight for your rights and maximize your insurance settlement
Licensed Expertise
Fully licensed public adjusters in California, Arizona, Washington, Idaho, Colorado, and Texas with deep knowledge of state regulations.
No Upfront Cost
Contingency-based fees. No recovery = no fee. We only get paid when you do.
Maximized Settlements
Our clients receive an average of 3-5x more than initial insurance offers.
24/7 Availability
Emergency response when you need it. Available around the clock for urgent claims.
Complete Service
From damage documentation to final negotiation, we handle every aspect of your claim.
State Compliance
Expert knowledge of California, Arizona, and Nevada insurance laws and regulations.
What Our Clients Say
See why property owners trust Apex Adjusting Group
What is a Public Adjuster?
Your advocate in the insurance claim process
A public adjuster is a licensed insurance professional who works exclusively for policyholders, not insurance companies. When you file a property damage claim, the insurance company sends their own adjuster to assess the damage and determine the payout. Their goal is to minimize what the insurance company pays out. A public adjuster levels the playing field by working for YOU.
At Apex Adjusting Group, our licensed public adjusters serve property owners throughout California, Arizona, Washington, Idaho, Colorado, and Texas. We handle all types of property insurance claims including fire damage, water damage, storm damage, earthquake damage, structural collapse, and more. Our expertise ensures you receive the maximum settlement you're entitled to under your insurance policy.
How Public Adjusters Maximize Your Insurance Settlement
Insurance policies are complex legal documents filled with technical language and coverage details that most policyholders don't fully understand. Insurance companies count on this complexity to minimize payouts. Our public adjusters thoroughly review your policy, document all damages, and negotiate aggressively to secure fair compensation for your property loss.
The difference between a claim handled by a public adjuster versus one handled by the policyholder alone can be substantial. Our clients typically receive settlements 3-5 times higher than initial insurance company offers. We document every detail of your loss, including hidden damages that insurance adjusters often overlook, and ensure all policy benefits are maximized.
Our Public Adjusting Process
From claim filing to settlement check, we handle everything
1. Free Consultation
Contact us immediately after property damage occurs. We provide a free, no-obligation consultation to review your situation and insurance policy. Available 24/7 for emergency situations throughout California, Arizona, Washington, Idaho, Colorado, and Texas.
2. Policy Review & Analysis
Our experienced adjusters thoroughly review your insurance policy to identify all available coverages. We analyze policy limits, deductibles, exclusions, and special provisions that affect your claim settlement.
3. Comprehensive Damage Documentation
We conduct a detailed inspection of your property, documenting all visible and hidden damages. Our team uses advanced tools and techniques to identify structural issues, water intrusion, smoke damage, and other losses that insurance company adjusters often miss.
4. Accurate Loss Valuation
We prepare a comprehensive claim estimate including repair costs, replacement values, code upgrade requirements, and additional living expenses if applicable. Our valuations account for current construction costs and local labor rates.
5. Negotiation & Settlement
We handle all communication with your insurance company, presenting evidence and negotiating for maximum compensation. If the insurer undervalues or denies your claim, we fight back with documentation, policy language, and expert persistence.
6. Settlement Check Received
Once we secure a fair settlement, you receive your insurance payout. Our fee is contingency-based – we only get paid when you do. No upfront costs, no hidden fees, no risk to you.
Property Damage Claims We Handle
Comprehensive claim assistance for all property types and damage scenarios
Fire & Smoke Damage
House fires, structural fires, smoke damage, soot damage, fire suppression damage, and fire-related water damage claims.
Water & Flood Damage
Pipe bursts, plumbing failures, roof leaks, storm flooding, sewage backups, and water intrusion claims.
Storm & Weather Damage
Wind damage, hail damage, lightning strikes, hurricane damage, tornado damage, and severe weather claims.
Earthquake Damage
Seismic damage, foundation cracks, structural damage, chimney collapse, and earthquake insurance claims.
Structural Collapse
Building collapse, roof collapse, foundation failure, structural integrity issues, and collapse-related claims.
Mold & Contamination
Mold growth, fungal damage, bacterial contamination, and environmental hazard claims.
Theft & Vandalism
Burglary damage, vandalism, malicious mischief, and property crime insurance claims.
Business Interruption
Loss of income, business interruption, extra expenses, and commercial property damage claims.
Get a Free Claim Evaluation
Not ready to schedule? Send us a quick message and we'll contact you within 24 hours.
Service Areas
Expert public adjusting services across 7 states and 27+ major cities
Don't Accept a Low Insurance Settlement
Get a free consultation from licensed public adjusters who fight for your rights.