Residential Property Claims Expert
Homeowners insurance claim specialists serving California, Arizona, and Nevada
Get Free ConsultationExpert Residential Property Claims Assistance
Your home is your most valuable asset. When it's damaged by fire, water, or other disasters, you need an expert on your side to ensure you receive fair compensation. Apex Adjusting Group helps homeowners throughout California, Arizona, and Nevada maximize their homeowners insurance claims.
Insurance companies have adjusters working for them—you should too. Our licensed public adjusters work exclusively for you, not the insurance company. We ensure every aspect of your property damage is properly documented, valued, and compensated.
What We Cover
Our Residential Claims Process
Property Inspection
Thorough assessment of all property damage, both visible and hidden.
Complete Documentation
Detailed photos, measurements, and damage reports for your claim.
Contents Inventory
Professional valuation of all damaged personal property and belongings.
Claim Negotiation
Expert negotiation with your insurance company for maximum settlement.
Settlement
Fair compensation to restore your home and replace your belongings.
Common Residential Claims
- Fire Damage: House fires, electrical fires, and fire-related losses
- Water Damage: Floods, pipe bursts, roof leaks, and water intrusion
- Storm Damage: Wind, hail, lightning, and weather-related damage
- Mold Damage: Mold growth and remediation costs
- Theft & Vandalism: Stolen or damaged personal property
- Other Perils: All covered losses under your homeowners policy
Additional Living Expenses (ALE)
If your home is uninhabitable, your policy likely covers additional living expenses. We ensure you receive compensation for:
- Temporary housing costs (hotels, rentals)
- Food expenses above normal costs
- Storage for undamaged belongings
- Pet boarding if necessary
- Increased commuting costs
Residential Property Claims FAQs
How much does a public adjuster cost for homeowners claims?
Public adjusters for residential claims typically charge 10-15% of your final settlement on a contingency basis. We only get paid if we successfully increase your claim - no recovery means no fee, and there are zero upfront costs.
When should I hire a public adjuster for my home insurance claim?
The earlier, the better. Ideally, hire a public adjuster immediately after damage occurs and before submitting your claim. However, we can help at any stage - even if your claim was denied or you received a low settlement offer.
What is the average public adjuster settlement increase?
Studies show that public adjusters help homeowners recover an average of 747% more than initial insurance company offers. The exact increase depends on claim complexity, but homeowners consistently receive significantly higher settlements with public adjuster representation.
How long does a homeowners insurance claim take?
Simple claims may settle in 30-45 days. More complex claims involving significant damage, structural issues, or disputed coverage can take 90-180 days or longer. Having a public adjuster often expedites the process through proper documentation and negotiation.
What if my home insurance claim was denied?
We frequently help homeowners overturn denied claims. Common denial reasons include alleged policy exclusions, maintenance issues, or insufficient documentation. We review your denial, gather evidence, consult experts if needed, and appeal to get your claim approved.
Do I need a public adjuster if I already filed my claim?
Yes! Even if you've already filed, we can review your claim, identify undervalued damage, and renegotiate your settlement. Many clients hire us after receiving lowball offers from insurance companies, and we successfully increase their settlements.
What does Additional Living Expenses (ALE) cover?
ALE covers the costs of temporary housing, increased food expenses, storage, pet boarding, and other costs when your home is uninhabitable due to covered damage. We ensure you receive full ALE benefits and proper reimbursement for all eligible expenses.
Can a public adjuster help with contents claims?
Absolutely. Contents claims are often severely undervalued by insurance companies. We create detailed inventories, research replacement costs, document pre-loss condition, and ensure proper valuation of all damaged personal property including furniture, electronics, clothing, and collectibles.
What types of residential property damage do you handle?
We handle all types of homeowners claims including fire damage, water damage, storm damage, wind damage, hail damage, lightning strikes, theft, vandalism, smoke damage, roof damage, structural damage, and any covered peril under your homeowners policy.
Does homeowners insurance cover code upgrades?
Many policies include Ordinance or Law coverage that pays for required code upgrades when repairing covered damage. However, this coverage is often limited and may require specific policy endorsements. We review your policy and maximize your code upgrade recovery.
Get Expert Help with Your Home Insurance Claim
Free consultation. No recovery, no fee. Protect your home and family.