You rebuilt your life once already. You shouldn't have to fight your insurance company alone to do it again.

Your insurance company already paid you. But did they pay you everything?

If you survived the Palisades, Eaton, or Mountain fires, $50,000–$200,000 or more is likely still sitting inside your policy.

You have until January 2028 — and most people wait too long.
"Don't Get Burned Twice"
Glenis Romero
Glenis Romero Licensed CA Public Adjuster · Since 1991
Licensed 33+ years $0 out of pocket Family-owned practice CA Licensed & Bonded 📍 Serving all of California Member: CAPIA 🗣 Hablamos Español

Member: California Association of Public Insurance Adjusters (CAPIA)

⚖️ Not a law firm
🏢 Not an insurance company
🛡️ Your licensed advocate
Know the Difference

Their adjuster vs. yours

The adjuster who handled your claim works for the insurance company — not you.

Their Adjuster
  • Works for the insurance company
  • Incentivized to minimize your payout
  • Says "your claim is settled"
  • Warns against reopening
Your Public Adjuster
  • Works for you, the homeowner
  • Only paid from what we recover
  • Knows where unclaimed money is
  • Reopening is your legal right
$300K–$700K Highest Recoveries
1991 Licensed Since
$0 Out of Pocket
100% Contingency

Average additional recovery: $120,000 per family

The insurance company had their expert on your claim from day one. You just got yours.

The Book

Words That Move & Protect

What's inside

A calm, clear roadmap for recovering everything your policy actually owes you.

★ Free Copy

Designed for families in the middle of a claim, this guide turns confusing policy language and adjuster jargon into plain English you can read in an evening and act on the next morning.

  • The 10 claim-handling mistakes that quietly cap your recovery — and how to avoid each one
  • How to read your full policy and endorsements so the policy, not the adjuster's estimate, drives your claim
  • The documentation steps that protect personal property, code upgrades, and additional living expense benefits
  • Red-flag language on "final payment" checks, releases, and proof-of-loss forms you should never sign too soon
  • A simple framework for deciding between handling the claim yourself, hiring a Public Adjuster, or retaining an attorney
Grab Your Copy

If you're still navigating life after the fire — you're not alone, and you're not too late.

How It Works

No paperwork. No phone tag. Here's exactly how it works.

No cost at any point. Most people finish in under 30 seconds.

Free policy review

We review your policy and settlement to identify unclaimed coverage — code upgrades, extended replacement cost, personal property. You don't need to gather anything yet.

24–48 hours

We show you what's there

If there's money, we walk you through exactly what we found. If there's nothing — we tell you, no charge. No pressure. No surprises.

15-minute call

We handle everything

I've built a 30-year inventory system. Most of the work is already done before we talk. You do nothing except receive the check.

6–9 months typical
Glenis Romero Hargreaves, Licensed California Public Adjuster since 1991
Your Advocate

I've been doing this since 1988. I've seen every trick in the book.

Glenis Romero Hargreaves

Licensed Public Adjuster · Since 1991

In the industry since 1988 — before most of my clients were born. I've seen every stall tactic, every low-ball offer, every excuse. I know what's in your policy because I've read thousands of them.

I built a system over 33 years. Walk me through your policy and within 24 hours I'll tell you exactly what's still in there. 75% of the work is done before I ever meet you.

I work with individual homeowners, HOA boards, and multi-unit property owners. Whether it's a single-family home or a 50-unit complex — I find what your policy owes you.

"It's like a tax attorney — we know the entire code and how to maneuver it. The insurance company has their expert. Now you have yours."

"After the honeymoon is over — that's when I show up."

— Glenis Romero Hargreaves
Testimonials

They thought they were done. They weren't.

Over $12 million recovered for California wildfire survivors.

★★★★★

"I thought my claim was done. Glenis found money I didn't know was in my policy. She handled everything — I just had to sign a few papers and wait for the check."

$94,000 recovered

Julia

She became my mouthpiece — Glenis fought the insurance company so I didn’t have to.

★★★★★

"Glenis navigated everything — she made sure the insurance company treated us right and we got the max on our entire claim."

$210,000 recovered

Donald & Sarah • House Fire

Satisfied Clients

★★★★★

"She was my liaison with the insurance company, handled everything, and then went back and got me even more."

$340,000 recovered

Rental Property Fire

Satisfied Client

Common Questions

You're probably wondering

"How much does this cost me?"

Zero. Nothing. I work off what I recover — typically 10–15% of the additional money found. So if I don't find money, I don't get paid. That's how confident I am that money is still sitting in your policy.

— Glenis

"What if there's no money left?"

Then I'll tell you — and it costs you nothing. I won't get involved unless I know there's money to recover.

— Glenis

"Won't reopening my claim cause problems?"

You're not rocking the boat — you're standing on your rights. California law gives you the right to hire your own representative, just like the insurance company has theirs. What we're doing is holding them to the contract they wrote. The one you paid premiums on for years. That's not trouble — that's your right.

— Glenis

"My claim was settled months ago — is it too late?"

No. I specialize in cases 12+ months post-disaster. After the honeymoon is over — that's when I show up. And for Eaton and Palisades survivors, the window is open until January 2028.

— Glenis

"How much work is this for me?"

Almost none. I have a system I've been refining for over 30 years. 75% of the work is already done before I even meet you. You don't have to go back through the loss piece by piece. I carry that.

— Glenis

"What percentage of my settlement do you take?"

I work on a contingency of 10–15% — but only on the additional money I find. If your insurance company already paid you $200,000 and I recover another $150,000, my fee comes from that $150,000 only. Not a penny from what you've already received.

— Glenis

"Can I reopen a claim after accepting a settlement in California?"

Yes. Accepting a settlement does not waive your right to file for additional coverage under your policy. Code upgrades, extended replacement cost, personal property — these are separate line items that most homeowners never claim. California law protects your right to pursue them.

— Glenis

"What is a public adjuster vs. an insurance company adjuster?"

Simple: their adjuster works for the insurance company. I work for you. Their job is to close your claim for as little as possible. My job is to find every dollar your policy entitles you to. Think of it like taxes — you could file yourself, or you could hire someone who knows every deduction in the code.

— Glenis

"How do I know this isn't a scam?"

I'm a California-licensed public adjuster, licensed since 1991. You can verify my license with the California Department of Insurance. I don't ask for any payment upfront — ever. If I don't find additional money in your policy, you owe me nothing. That's not how scams work.

— Glenis

"Do you handle HOA or multi-unit property claims?"

Yes. I've worked with HOA boards and multi-unit complexes across California. The master policy often has significant unclaimed coverage for common areas, code upgrades, and shared structures. I can present findings directly to your board.

— Glenis

"What if my insurance company retaliates or drops me?"

They can't. California law protects policyholders from retaliation for filing legitimate claims. Your insurer cannot cancel, non-renew, or raise rates specifically because you hired a public adjuster or pursued additional coverage. I've been through this hundreds of times — it's never happened to a single client.

— Glenis

"How is this different from hiring a lawyer?"

A lawyer fights in court. I fight in the policy. Lawyers are expensive, take years, and most wildfire claim disputes never need litigation — they need someone who can read the policy better than the insurance company's adjuster. That's what I do. If legal action ever becomes necessary, I'll tell you — but in 33 years, it almost never has.

— Glenis

"Can I start the process if I don't have all my documents?"

Yes. Most families don't have everything — and that's fine. Start with whatever you have: the settlement letter, the policy declarations page, or even just your address. I've built my system around working with incomplete information. That's what 33 years of experience gives you.

— Glenis

The check you haven't cashed yet — let's find out if it exists.

Book a free policy review — I'll review your settlement and tell you exactly what's left.

Show me what I'm still owed → Prefer to talk first? Call Glenis

Nothing upfront. If I don't find money, you pay nothing. If I do — I take 10–15% of what I recover. That's the deal.

Victory Disaster Advocates

Licensed Since 1991 · Family-Owned · Faith-Driven
Glenis Romero Hargreaves · CA Licensed & Bonded
Palm Beach Gardens, FL — Serving California wildfire survivors remotely

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