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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.