Orange County Public Adjuster - Serving All 34 Cities & Unincorporated Communities
CA License #6005965
Licensed public adjusters serving Anaheim, Santa Ana, Irvine, Huntington Beach, Newport Beach, Laguna Niguel — and every other Orange County city. From the 2022 Coastal Fire to Santa Ana wind events, hillside mudslides, and high-value property losses, we maximize settlements county-wide. Our OC clients receive 3-5x more than initial offers.
Licensed California public adjusters serving all 34 cities of Orange County. Wildfire, water and storm damage claims. No recovery, no fee. Our licensed public adjusters understand the unique insurance landscape in California and are ready to help you maximize your property damage claim.
Whether you're dealing with fire damage, water damage, storm damage, or other property losses, Apex Adjusting Group provides expert claim assistance throughout the Orange County area. We work on your behalf to ensure you receive fair compensation from your insurance company.
Services We Provide in Orange County
Fire Damage Claims
Complete fire, smoke, and soot damage claim assistance.
In addition to Orange County, we provide public adjusting services throughout the surrounding region, including:
Anaheim
Santa Ana
Irvine
Huntington Beach
Garden Grove
Fullerton
Costa Mesa
Newport Beach
Common Property Damage Claims in Orange County
Orange County is California's third-most-populous county, home to 3.18 million residents across 34 incorporated cities and roughly 798 square miles of coastal plain, inland canyons, and Santa Ana Mountain foothills. Unlike most California counties, OC has no single dominant city — Anaheim, Santa Ana, Irvine, and Huntington Beach are all roughly comparable in size — which is why a county-wide public adjuster who understands every local building department, fire authority, and contractor market matters.
OC properties face a distinct mix of perils: utility-caused wildfires (the May 2022 Coastal Fire destroyed 20 multi-million-dollar homes in Laguna Niguel), Santa Ana wind events that regularly exceed 60–80 mph in the inland canyons, atmospheric-river storm flooding and hillside mudslides, earthquake exposure from the Newport-Inglewood and San Joaquin Hills faults, and pipe-burst water losses in OC's large stock of 1960s–1980s housing. Reconstruction costs in OC routinely run $500–$800 per square foot, with luxury Newport Beach, Laguna Beach, and Laguna Niguel properties exceeding $1,000/sq ft — far above the regional cost databases insurers use to calculate your settlement.
OC Wildfire History
The 2022 Coastal Fire (Laguna Niguel) destroyed 20 homes valued at $3M–$5M+ each. The 2020 Bond Fire (Silverado/Modjeska Canyons) burned 6,686 acres and 31 structures. The 2020 Silverado Fire (Irvine) burned 13,354 acres and forced 90,000 evacuations. The 2017 Canyon Fire 2 (Anaheim Hills/Orange/Tustin) burned 9,200 acres and 25 homes. Our fire damage specialists handle direct fire, smoke, ember, ALE, and utility-caused wildfire claims (including Edison subrogation coordination).
Santa Ana Wind Damage
Santa Ana wind events strike OC every fall and winter, with gusts routinely 60–80+ mph in the Santa Ana Canyon, Trabuco Canyon, Yorba Linda, and Anaheim Hills. They drive wildfire spread, tear off roofs, topple trees onto structures, and shatter windows. Insurers frequently dispute wind damage as "wear and tear" — we document the storm event with NWS data and prove sudden-and-accidental loss.
Storms, Floods & Mudslides
Pacific atmospheric rivers cause urban flooding in low-lying Westminster, Garden Grove, and Stanton; coastal erosion in San Clemente, Dana Point, and Laguna Beach; and post-fire debris flows in canyon communities. Our water damage team distinguishes covered water intrusion from excluded flood — a critical determination that often makes or breaks the claim.
Earthquake Exposure
The Newport-Inglewood Fault runs directly through Huntington Beach, Costa Mesa, and Newport Beach — it caused the 1933 Long Beach quake (M6.4). The San Joaquin Hills Fault sits beneath South County, and the Whittier Fault runs along the northern OC border. We handle California Earthquake Authority (CEA) claims and private earthquake policies with their distinct 5–25% deductibles.
High-Value Property Costs
OC's median home value exceeds $1.1M, and coastal/luxury properties routinely run $3M–$15M+. Reconstruction costs are $500–$800/sq ft inland and $700–$1,200+/sq ft on the coast. Carriers default to regional cost databases that significantly understate actual OC labor and materials. We document real local pricing — including specialty contractors, custom finishes, and OCFA permit requirements — to ensure your settlement reflects what it will actually cost to rebuild.
Aging Housing & Pipe Bursts
Much of OC's housing stock was built between 1960 and 1985 — including the original Anaheim, Garden Grove, Westminster, Fountain Valley, and Mission Viejo developments. Galvanized supply lines, polybutylene piping, and aging cast-iron drains routinely fail, causing slab leaks and catastrophic water damage. Insurers often try to limit payouts by citing "pre-existing" or "long-term" damage. We prove sudden-and-accidental loss and document hidden moisture damage with thermal imaging.
Orange County Claim Results: Our OC clients receive settlements averaging 3-5x higher than initial insurance offers. We know OC's reconstruction costs, fire authorities (OCFA + city departments), and city building departments — and we fight for every dollar you deserve.
All 34 Orange County Cities We Serve
Apex Adjusting Group serves every incorporated city and unincorporated community in Orange County. Whether your property is on the coast, in the inland flats, or in the canyon foothills, we know the local building department, fire authority, and reconstruction cost data for your area.
North County
Anaheim · Brea · Buena Park · Cypress · Fullerton · La Habra · La Palma · Los Alamitos · Placentia · Stanton · Yorba Linda
Central County
Santa Ana · Garden Grove · Orange · Tustin · Villa Park · Westminster
Coastal & West County
Huntington Beach · Newport Beach · Seal Beach · Costa Mesa · Fountain Valley · Laguna Beach
South County
Irvine · Mission Viejo · Lake Forest · Aliso Viejo · Laguna Hills · Laguna Niguel · Laguna Woods · Rancho Santa Margarita · San Clemente · San Juan Capistrano · Dana Point
Unincorporated OC
Coto de Caza · Ladera Ranch · Las Flores · North Tustin · Rossmoor · Silverado · Modjeska Canyon · Trabuco Canyon · Midway City
Don't see your city? Call (714) 844-1363 — we serve every property in Orange County, including unincorporated areas under OC Sheriff and Orange County Fire Authority (OCFA) jurisdiction.
How to File a Property Damage Claim in Orange County
1
Document the Damage
Take photos and videos of all property damage immediately.
2
Contact Apex Adjusting
Call us at (714) 844-1363 for a free consultation and claim assessment.
3
We Handle Everything
We document damage, prepare your claim, and negotiate with your insurance company.
4
Receive Your Settlement
Get maximum compensation to fully restore your property.
Why Choose Apex Adjusting Group in Orange County
We fight for your rights and maximize your insurance settlement
Licensed Expertise
Fully licensed public adjusters in California with deep knowledge of CA insurance regulations and claim procedures.
No Upfront Cost
Contingency-based fees. No recovery = no fee. We only get paid when you do.
Maximized Settlements
Our clients in Orange County receive an average of 3-5x more than initial insurance offers.
24/7 Availability
Emergency response in Orange County 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 Orange County claim.
State Compliance
Expert knowledge of California insurance laws, regulations, and local claim procedures.
Frequently Asked Questions - Orange County, CA
Common questions about public adjusting services in Orange County
Yes. Apex Adjusting Group holds California Public Adjuster License #6005965, issued by the California Department of Insurance. We are authorized to practice in all 58 California counties — including all 34 cities of Orange County, from Anaheim and Santa Ana to Newport Beach, Irvine, Huntington Beach, and the South County coastal communities. We comply fully with California Insurance Code and the Fair Claims Settlement Practices Regulations (10 CCR §2695).
We serve all 34 incorporated cities of Orange County, California: Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, and Yorba Linda — plus unincorporated areas including Coto de Caza, Ladera Ranch, Las Flores, North Tustin, Rossmoor, and Silverado.
Orange County faces a distinct mix of perils: (1) Wildfire — the May 2022 Coastal Fire destroyed 20 multi-million-dollar homes in Laguna Niguel; the 2020 Silverado and Bond Fires together burned over 19,000 acres in eastern OC; the 2017 Canyon Fire 2 burned 9,200 acres near Anaheim Hills. (2) Santa Ana wind damage — fall and winter wind events regularly exceed 60–80 mph in inland canyons. (3) Coastal storm and flooding damage — atmospheric rivers cause hillside erosion, mudslides, and roof leaks across coastal cities. (4) Earthquake exposure from the Newport-Inglewood, San Joaquin Hills, and Whittier faults. (5) Pipe-burst and water intrusion claims in OC's large stock of 1960s–1980s housing.
Yes. Wildfire claims are one of our specialties throughout OC. We handle direct fire damage, smoke and ash infiltration, ember damage, landscaping losses, debris removal, code-upgrade costs, and additional living expenses (ALE). Recent OC wildfires we have experience with include the Coastal Fire (Laguna Niguel, 2022), Bond Fire (Silverado/Modjeska, 2020), Silverado Fire (Irvine/Foothill Ranch, 2020), Canyon Fire 2 (Anaheim Hills/Orange/Tustin, 2017), and Santiago Fire (2007). High-risk OC zones include Anaheim Hills, Yorba Linda, Silverado Canyon, Modjeska Canyon, Trabuco Canyon, Coto de Caza, North Tustin, and the hillside neighborhoods of Laguna Beach and Laguna Niguel.
Our Orange County clients receive settlements averaging 3–5x higher than initial insurance offers. OC has some of the highest reconstruction costs in the country — coastal city rebuild costs frequently run $500–$800 per square foot, and luxury Newport Beach, Laguna Beach, and Laguna Niguel properties exceed $1,000/sq ft. Insurance carriers routinely apply national or regional cost databases that significantly understate actual OC labor and material costs. Our adjusters document real local pricing — including specialty contractors, custom finishes, code upgrades, and permit fees — to ensure your settlement reflects what it will actually cost to rebuild.
The Coastal Fire ignited on May 11, 2022, in Aliso Woods Canyon and destroyed 20 homes in the Coronado Pointe neighborhood of Laguna Niguel — many valued at $3M–$5M+. The fire was driven by onshore winds and dry vegetation, and the cause was traced to Southern California Edison electrical equipment. Yes, we handle Coastal Fire and similar utility-caused fire claims, including subrogation coordination. Utility-caused wildfire claims are particularly complex because they involve multiple parties (your homeowners insurer, the utility, and potentially class actions), and proper documentation early in the process protects your right to full recovery from all sources.
No. Orange County is a separate county with its own building departments, fire authorities (Orange County Fire Authority and city fire departments in Anaheim, Garden Grove, Fullerton, Huntington Beach, Newport Beach, and Orange), permitting processes, contractor markets, and risk profile. OC properties have higher per-square-foot reconstruction costs than most of LA County, different wildfire exposure (Santa Ana Mountains and inland canyons vs. the Hollywood/Malibu corridor), and unique coastal/hillside considerations. A public adjuster who understands OC-specific costs, local building codes, and the OCFA permitting process will recover significantly more than one applying generic LA-area assumptions.
Yes. The Newport-Inglewood Fault runs directly through Huntington Beach, Costa Mesa, and Newport Beach — it caused the 1933 Long Beach earthquake (M6.4) that killed 120 people. The San Joaquin Hills Fault sits beneath South County, and the Whittier Fault runs along the northern OC border. We handle California Earthquake Authority (CEA) claims and private earthquake policies, documenting foundation cracks, chimney separation, soft-story damage, and hidden structural issues. CEA policies have specific 5–25% deductibles and coverage limits — we know how to maximize recovery within those constraints.
Absolutely. Many of our OC clients come to us after receiving a denial or an inadequate settlement. A denial is not necessarily final — California law allows supplemental claims when initial assessments were inadequate, when new damage is discovered, or when policy provisions were misapplied. We review your policy, reassess the damage, and reopen negotiations with your carrier. Under California Insurance Code §2071 and §10350, you typically have 12 months from the date of loss to bring suit, but supplemental claims can often be filed within longer windows depending on policy language.
After property damage in OC: (1) Ensure everyone is safe and call 911 if there is an immediate threat. (2) Photograph and video everything — exterior, interior, contents, and serial numbers of damaged appliances. (3) Report the loss to your insurance company to establish your claim date. (4) Make reasonable temporary repairs to prevent further damage (tarp roofs, board windows, dry out water) and save every receipt — this is required by your policy's 'duty to mitigate.' (5) Do NOT give a recorded statement or sign anything from the insurance company adjuster before consulting a public adjuster. (6) Call Apex Adjusting Group at (714) 844-1363 for a free consultation. California Insurance Code §2695.7 requires insurers to handle claims promptly — early public adjuster involvement protects your rights.
We work on a pure contingency basis. You pay nothing upfront, and our fee is a percentage of the final settlement (typically 10–15%, capped by California Insurance Code §15027 at 15% during the first seven days after a declared disaster, and 25% otherwise). If we do not recover money for you, you owe us nothing. Because our OC clients average 3–5x higher settlements, you net substantially more after our fee than you would by handling the claim alone.
California Insurance Code §2695.7 requires insurers to acknowledge claims within 15 calendar days, accept or deny within 40 days of receiving proof of loss, and pay accepted claims within 30 days of settlement. In practice, simple claims settle in 30–60 days. Complex OC claims — wildfire, large water losses, earthquake, or disputed claims — typically take 3–9 months. Catastrophic Coastal Fire and Bond Fire claims have taken 12–18 months in some cases. Public adjuster involvement generally accelerates the timeline because we deliver complete, properly documented proofs of loss that meet carrier requirements on the first submission.
What Clients Say About Apex Adjusting Group
Verified Google reviews from property owners we've represented
5.0
Based on 28 Google reviews
Hyekyong Joo
23 days ago
We had a plumbing pipe leak at our house and had to deal with a frustrating insurance claim. The insurance company was taking forever, which was extremely stressful at first. Fortunately, Ryan Monzon helped us navigate the entire process from start to finish.
He was always super responsive, communicated clearly every step of the way, and made sure we got fair coverage. He even went above and beyond to help us extend our stays at the Airbnb while repairs were ongoing so our family remained comfortable.
Thanks to Ryan’s persistence and guidance, everything was handled properly and we got the payout we deserved. I highly recommend Ryan to anyone needing help with an insurance claim—he truly cares and gets results!
Rich Constantinescu
2 months ago
Outstanding work by Jonathan Kobz and team. Top-tier service and communication.
Timothy Wheat
2 months ago
Outstanding Advocacy from Jonathan and the Apex Adjusting Team
Our tenant-occupied home suffered a devastating fire that started in the garage. When the AAA adjuster arrived, he used a moisture meter and claimed there was “no moisture in the walls,” suggesting we could simply redo the garage and upstairs, paint the downstairs, and settle the claim in a week. I knew this was completely inadequate — the fire department had sprayed over 10,000 gallons of water into the attic, and the house was not safe to re-rent. I left the meeting feeling defeated.
Shortly after, Jonathan from Apex Adjusting reached out. He explained that he was a public adjuster who would fight for a fair settlement on my behalf. After meeting him and doing my research, I was confident in moving forward with Apex.
What stood out most was that Apex brought their own team of professionals — including structural engineers, estimating companies, and soft demo crews — to thoroughly document the full extent of the damage. This was a huge relief, as AAA had quickly assembled their own team to minimize the claim. Apex’s experts calmly and accurately assessed the true scope and cost to rebuild.
Over the next several months, they handled everything professionally while we continued receiving loss-of-use payments. In the end, they secured more than double the original offer from AAA, plus full personal property reimbursement. We now have the funds to properly rebuild our home to pre-loss condition.
One of the biggest reliefs was never having to deal directly with the AAA adjuster again. Apex kept us fully informed and handled all communication. Jonathan and the entire team showed true professionalism, persistence, and patience throughout this stressful process. I would highly recommend them to anyone facing a difficult insurance claim.
We are forever grateful.
— Timothy A. Wheatfill, Orangevale, CA
Gabriella Tolstova
3 months ago
I was very pleased working with Apex Adjusting Group, especially with Roman. He is very thorough and is able to get results. 10 out of 10!!
THOMAS M BROD
3 months ago
Jonathan Kobz has been an amazingly fine private adjuster. Consistently and quickly responsive to all concerns and ultimately successful in negotiating a satisfactory settlement with the insurance company, State Farm.
Chris Whitten
5 months ago
Jonathan is knowledgeable and fast! These guys rock!
Lawrence Su
5 months ago
Our home suffered fire damages across multiple rooms and our insurance offered us minimal, certainly laughable, reimbursement. Feeling at loss, not knowing how to proceed, with zero experience with this circumstance, we sought out Apex to assist us.
We were fortunately paired with Jonathan. He is as professional as it can get. From the initial phone call, he was patient with our numerous questions. He provided us a thorough review of our insurance policy and gave us assurance that he would definitely fight and get us maximum reimbursement.
He met us at the property to visualize the damages himself and again provided his time to go over every one of our many inquiries. He was extremely knowledgeable in areas of fire/water damages, construction, insurance, and protocols. We knew at that point, that he was the man for the job.
From then on, he was the point person and we were in the back seat; we no longer needed to speak with any parties nor individuals, which was a huge weight off our shoulders. Jonathan organized all inspections and spoke with insurance himself. Throughout the process, he still remained constantly reachable (even while on vacation!) either via email, phone, or text. He was always there to address any concerns we had with patience and respect.
In the end, Jonathan and his group were able to negotiate for maximum reimbursement (completely exhausting all our coverages!!!) as he initially stated. Jonathan is a man of his word, a highly knowledgeable professional, a hard worker, an excellent communicator, and 100% the one you want to help with any of your insurance needs.
We hands down recommend him to anyone and everyone in need of adjusting. We will certainly seek out Jonathan and Apex again if ever needed.
THANK YOU!
Tarun Singh
1 year ago
Jonathan was super helpful and went above and beyond to assist me
Daniel Bell
1 year ago
Jonathan has been extremely helpful in dealing with our insurer. We had a total loss of our home during the Palisades fire and have had challenges dealing with the insurer in recovering all of our insurance. Jonathan has gone above and beyond in helping us with these efforts and I'd happily recommend him to anyone.
Ezzy
1 year ago
The team at Apex adjusting are very knowledgeable and kind. They genuinely care and want to help to help. I would definitely recommend.
Jetta Knox
1 year ago
Jonathan was so helpful and attentive. He listened to our concerns and quickly came up with an action plan.
ABK Frombozo
1 year ago
Helpful, friendly, and quick! These folks are the total package. Would not hesitate to use them again in the future!
Mark Broxon
1 year ago
We worked with Jonathan on an insurance settlement claim due to water damage. Jonathan knows his stuff - he ended up helping us get a much greater settlement than the insurance company initially allowed. He is sharp and smart and knows how to maneuver around the "closed doors" that insurance companies try to present to the vast majority of us that have no experience in how their system works. I would recommend Jonathan very highly.
Mack Block
1 year ago
"Apex Adjusting, and especially Johnathan, provided outstanding support for our claim. His professionalism and dedication were impeccable."
Evelyn Sineneng
1 year ago
When my beautiful Spanish Mediterranean property situated at a corner lot in Silicon Valley was burning, I felt very helpless because the fire continued to engulf the garage and crossed the open air patio and continued to burn the main house. I cried with no tears, watching my savings "go up in smoke", and around me, stood contractors who wanted to talk to me to offer their rebuilding services, cleaning service guys who offered to board up the doors and windows and install a fence for skyrocketing fees for a victim at a perfect time and place, and handed me a contract with small prints which was unreadable without my reading glasses. What a perfect victim I was, as I firmly stood emotionless, right in front of the burning house, watching firefighters doing their heroic deeds. There were others offering their services at a time I was in front of a catastrophe, losing my property and losing my saved-up precious investment. I did not need to have all those guys around me. I needed someone who can clarify my mind and help me, someone who will help me understand that it is not the end of the world for me, most important, is someone who can help me deal with the insurance adjuster, who is on the payroll of the insurance company and will be "helpful" to me, but will NOT work in my best interest. Such is the person to look for, and that is a public adjuster. I did not know at that time, that there is a public adjuster who can work and help me recover all I am entitled to recover under the insurance policy. I did not have to be under the mercy of an insurance adjuster, after all, she is also expected to do her job well. I also spoke to another other public adjuster but I did not feel the compassion I needed during that catastrophic time until I was able to gather the courage to research, and I found Apex Public Adjusters Company. Jonathan Kobz promptly returned my call and met him in person at my property, which still smelled smoke from the fire. He offered me the following day a simply written legal contract for his services, none of the "gobblygook" legal words and explained it to me, line-by-line. I knew at that moment that I will be in good hands and that Jonathan can and will help me go through this ordeal, and he did. He communicated with the insurance adjuster immediately and started to negotiate, on my behalf, all the terms I was entitled to, under the insurance policy. That unimaginable ordeal became a smooth period, Jonathan communicated with me every step of the way, and relieved me of that unexplainable stress and finished with the very satisfactory checks from the insurance company. Now, the most difficult part is almost over, and Jonathan was able to get the amount which will totally replace the losses caused by the fire. He was also able to convince the insurance company that they should also pay for the rents that I lost from the paying tenants. So I was essentially "sitting pretty" because the insurance company also paid for the rent I would have received from the tenants, a "plus" which I would probably not receive, BUT FOR my public adjuster, Jonathan Kobz of Apex Public Adjusting Company..... this was honestly written by Evelyn Sineneng-Smith, JD,
Alexis Morrissette
1 year ago
Great public adjuster!!! Fighting for the property owner for a fair settlement
Tyler Townsley
2 years ago
We just completed our first and (hopefully) last agreement with Apex Adjusting. We had a house fire and initially got a check for $26,000 to fix the house which was not nearly enough. I went online, started calling a bunch of Public Adjusters and came across Apex. I talked to Jonathan and decided we'd give him a try. He was absolutely amazing. It was a very smooth process, he handled everything (which is something you want/need when you've never gone through anything like this before) and lone behold, he was able to get us not $50,000, not $100,000 but $160,000 total which was unbelievable. He earned the fee he charges and then some! Thank you so much Jonathan for your time and efforts and helping us walk away with over $120,000 more than we had originally been quoted! Highly recommend reaching out to him if you need a public adjuster!
Edward Marin
2 years ago
Jonathon with Apex came in when we thought we were out of luck. They took our embarrassing insurance offer and settled for a lot more than what we had expected. Jonathon, walked us through like a pro but someone that can truly lead us to victory. I highly recommend to anyone battling insurance claims!
Aman Kathuria
3 years ago
Jonathan and Apex Adjusting Group are just amazing! Below is our situation and how he helped us in securing the appropriate claim funds from Insurance:
We had a water damage in our property from one of the appliance in Dec 2022. Since this was the first time, we really had no idea on what to expect on the claim process from Insurance. When we started speaking to Contractors, almost all of them mentioned that Insurance will likely try to lowball their offer for settlement. So that's when we looked around and hired Jonathan/Apex Adjusting Group to represent us in this process.
Jonathan is very professional and set up the expectations clear from Day 1. He inspected the damage, prepared a detailed damage report and negotiated with Insurance Company for almost 7 months before they finally agreed to release the appropriate funds needed to restore our property to the pre-loss state. This was certainly not easy since the Insurance adjusters were unresponsive, unprofessional and tried to lowball us throughout. Jonathan continued to stay on top of them and called them out on everything that was not as per the Insurance law. The months of persistence paid off and Insurance company finally agreed to settle.
I recommend them 200% and if you're in a similar boat, just call them first thing. Dealing with property damage and insurance is so overwhelming and I can't believe how relieved we have been after having Jonathan on our side. He's a Hero!
Mitzi Rasmussen
3 years ago
I cannot say enough about Jonathan Kobz. He was recommended to me when I hit a major road block with an insurance claim for storm damage to my home. He secured a full settlement with the insurance claim. Always provided quick responses to questions/concerns with any issues in the process. Jonathan is your guy if you need help with a homeowners insurance claim. Thank you again Jonathan!
Katie Schwarz
3 years ago
If you require assistance navigating. Through the process of damages to your home this proof is who to call. Jonathan was referred to me by A vendor who was working with me. After? I had a kitchen fire in my home. The daunting and overwhelming process was nothing short of confusing and scary. My homeowners insurance seemed like they were working with me and for me initially but all of a sudden. When it came. Time? To talk about repair cost things became strange and difficult. It was then I had to call and get some assistance Jonathan. What's quick to return my phone call and work with me on getting everything? I deserved? In regards to what need to be repaired? For my? Home. And the contents? Which I lost he took over absolutely everything and left it to him in his capable hands. I no longer had to make any phone calls please. Or clarifying questions he walked me through the process of restoration and also lock the through the process of dealing with the insurance companies who would rather stall out. Customers and wait for them to cave in rather than paying for the damages. Jonathan. Truly worked for me and with me and got me way more money than I could have ever done by myself with the homeowners insurance. He was quick to answer questions was explicit and had great command of the situation. I just can't say enough about the piece of mind he brought to me during this very difficult time. Don't hesitate at all get assistance and go with this group. Not. Only Are? They fair they have a passion for Justice and getting with the homeowner deserves. I am so grateful.
Anthony Villalba
3 years ago
Jonathan was great to work with. I did not know how to navigate a big insurance loss claim, but Jonathan took the time to explain every step. He fought feverishly on my behalf to ensure my insurance paid for everything that was covered. In the end he was able to recover double what insurance initially offered! It is because of his hard work that I have enough to rebuild my fire damaged nightclub. If you are in need of a public adjuster, Apex Adjusting is second to none.
Ernest Rodriguez
3 years ago
It was great working with Jonathan. He is really knowledgeable, professional and steadfast. I would highly recommend him for any insurance adjustment needs…!
Wes McClelland
3 years ago
Jonathan Kobz at Apex Adjusting was amazing to work with and he made what was a long-running saga with our insurance company bearable and he ultimately got us to a successful resolution. Having an expert on your side to explain the process is comforting.
Arvind N
3 years ago
I had water damage due to a broken pipe while i was on vacation, got the insurance involved and after some water mitigation work was done(it took 2 months) they provided me with a rebuild estimate which was a 10% of the actual cost it would take me.
Got Jonathan involved and he came in and gave a more accurate estimate of the work and fought with the insurance company to get the amount he estimated. While we didnt get the full amount, we got upto 80% of it with the insurance fighting every step of the way.
Throughout this process, on the insurance side, we had 10-13 different adjusters, but i dealt with Jonathan only and this helped a lot without having to get the new insurance adjusters upto speed. Jonathan is also very familiar with the laws and the insurance process which is a big advantage against insurance companies who try to confuse and low ball you.
I highly recommend Jonathan and the Apex adjusting group in case of dealing with insurance for any significant losses so you get service we paid for from the insurance company.
Christine-Sara Berge
4 years ago
Jonathan Kobz, is a professional that knows all the California insurance laws and was able to get my out of state insurance company to max out my insurance coverage. It literally meant being able to rebuild my home. My only wish was that my first call was to him and my second call was to my insurance company. He was fast, professional and very kind in a very stressful time. I hope I never have to use him again (I only need one house fire!) but I’m happy to recommend him to people that need him!
Jeffrey Morris
4 years ago
Not much to say other than san jose is simply the best at what he does. Won’t use anyone else.
Todd Brusa
4 years ago
I believe this is part of the PDA adjuster group. The adjuster Paul came out to my house early even given the short time window he gave. No waiting around like you do for cable companies. Very professional and I would recommend these guys to anyone. I write honest reviews and if you agree with this please hit the like button.
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