Settled $115,406.37

A Sudden Water Loss

On June 3, 2024, a pipe burst in the ceiling of a residential unit, causing extensive water damage throughout the interior. Water spread quickly through the ceiling cavity and into the living space, affecting multiple building components and requiring both emergency mitigation and a full rebuild of damaged areas.Emergency mitigation was performed immediately to dry the structure and prevent further deterioration. The mitigation contractor was ultimately paid $16,000 for the emergency services.

The Initial Estimate Gap

After inspecting the property, our team prepared a detailed rebuild estimate totaling:$104,723.78Despite the documented scope of damage, the insurance carrier initially issued a payment of:$57,223.67This amount represented only a partial valuation of the necessary repairs and left a substantial gap between the documented damage and the insurer's payment.

The “Unbiased” Comparative Bid

To justify their position, the carrier hired a vendor to produce a comparative estimate, which is commonly presented as an independent evaluation of the damage.However, during our review of the file we discovered a critical issue.The third party company coordinating the vendor had modified and removed essential repair line items from the vendor's estimate before it was finalized. These removed items included necessary repair components that were clearly supported by the damage documentation.This manipulation significantly reduced the apparent scope of work.

Challenging the Carrier's Findings

We disputed the altered estimate and raised the issue directly with the desk adjuster. After continued discussions and documentation of the missing scope items, the carrier agreed to bring in another vendor to perform a new evaluation of the rebuild costs.This second inspection produced a much more competent and comprehensive estimate.

A Second Vendor Confirms the Scope

The second vendor's estimate came in very close to our documented rebuild amount, confirming that the original comparative estimate had undervalued the damage.Following this review, the carrier issued a supplemental payment of:$41,282.70

The Final Outcome

The carrier's total payments for the rebuild ultimately reached:Initial Payment
$57,223.67Supplemental Payment
$41,282.70Total Paid: $98,506.37Compared to our estimate of $104,723.78, the final carrier payment represented approximately:94% of our documented rebuild estimate

Settled $71,456.96

Background

Following the Eaton Fire on January 7, 2025, the insured's property in Pasadena sustained heavy smoke contamination affecting both the structure and the contents inside the home. Smoke particulates spread throughout the interior, requiring professional cleaning, restoration evaluation, and documentation of both structural and personal property damage.In addition to the interior contamination, the property also sustained wind-related damage to the roof during the fire event. The roof and exterior components were heavily contaminated with wildfire smoke and soot. The home’s solar panel system was also significantly affected, requiring specialized cleaning to remove smoke residue and restore proper performance.Our team was retained by the homeowner to assist with the claim process and ensure that all smoke-related damage was properly documented and addressed with the insurance carrier.

Initial Claim Handling

After engagement, the claim was opened with the carrier and inspections were coordinated. A photo report and restoration estimate prepared by a restoration contractor were submitted to the adjuster to document the extent of smoke contamination and cleaning requirements for the interior, roof surfaces, and solar panels.The carrier issued an initial payment related to the dwelling portion of the claim. However, the estimate prepared by the restoration contractor differed significantly from the carrier’s estimate.

Coverage Dispute

During the review process, a discrepancy of approximately $40,000 emerged between the carrier’s estimate and the restoration contractor’s estimate for smoke remediation work.The insurance company indicated that a third-party vendor would review the scope to address the discrepancy. Despite ongoing communication and documentation, the gap between the estimates remained unresolved.To move the claim forward, the matter proceeded to the appraisal process, a formal dispute resolution method outlined in most property insurance policies.

Appraisal Outcome

Through appraisal, the disputed scope and costs were evaluated independently. The process resulted in additional funds being awarded for the dwelling smoke cleaning work, helping bridge the gap between the original carrier estimate and the documented remediation needs.

Claim Result

Through continued documentation, negotiation, and the appraisal process, the claim ultimately resulted in multiple supplemental payments issued to the policyholder for both the dwelling and smoke-affected contents.Confirmed payments issued to the insured included:$17,571.56 - Initial Dwelling Cleaning$14,186.56 - Dwelling Cleaning Supplement$3,590.00 - Hygienist Testing$16,809.12 - Dwelling Cleaning Supplement$10,886.93 - Contents Cleaning$8,412.79 - Dwelling Cleaning SupplementThe total settlement amount was $71,456.96

Key Takeaway

Smoke claims following wildfire events often involve significant scope disagreements related to cleaning, deodorization, exterior contamination, and contents remediation. In this case, careful documentation, persistence with the carrier, and the use of the appraisal process helped ensure that the insured received additional funds necessary to address the full extent of the smoke damage.This case highlights the importance of professional representation when navigating complex wildfire smoke claims, especially when exterior components such as roofing systems and solar panels require specialized cleaning and restoration.

Settled $311,307.12

The Loss Occurs

In April 2024, a residential water loss occurred after a dishwasher supply line failed. Water spread through the kitchen and into surrounding areas, damaging flooring, cabinetry, finishes, and personal property. The home became unlivable, forcing the family to relocate.

Early Pushback

During the carrier’s initial inspection, the adjuster claimed there was mold present near the dishwasher. This was immediately used as a basis to question coverage and delay the claim. No proper mold testing supported this position.

Challenging the Mold Claim

We reviewed the affected areas and demonstrated that the condition identified by the carrier was not mold. Documentation, photos, and expert input showed the damage was consistent with water intrusion from the failed supply line. The carrier ultimately reversed course and acknowledged the loss as covered.

Expanding the Scope

Once coverage was confirmed, it became clear the damage extended well beyond a small kitchen repair. Water had affected flooring throughout the home, along with baseboards, paint, and connected finishes. We pushed for a full scope that reflected how water actually behaves, not a limited patch repair. The carrier agreed to pay for full floor replacement, repainting, and associated work.

Temporary Housing Delays

Because the home was not livable, the family secured a rental. Although loss of use coverage applied, rent payments were repeatedly delayed. Over the life of the claim, multiple rent checks were late or required reissuance. Each delay created financial strain for the insured.

Adjuster Turnover

Throughout the claim, the carrier reassigned the file multiple times. Desk adjusters and supervisors changed repeatedly. Each transition slowed progress and forced the claim to be re explained. These handoffs were a major source of delay across repairs, contents, and housing payments.

Recovering the Rent

Despite the delays, we tracked every month of displacement and pushed for full payment. We escalated when necessary and ensured the insured was paid for extended loss of use covering many months of rent. Supplemental payments were issued to correct earlier underpayments.

Disputes Over Repairs and Contents

As the claim progressed, disagreements arose over cabinetry, contents, emergency services, and pack out costs. Vendor estimates understated the real scope of work. Multiple supplements were required, and some payments were initially issued under the wrong coverage. Each error had to be corrected.

Invoking Appraisal

By late 2024, the rebuild estimate remained significantly underpaid. After months of stalled negotiations, the appraisal clause was invoked. Independent appraisers reviewed the loss, inspected the property, and evaluated the true cost of repairs.

Final Resolution

In early 2025, the appraisal award and final supplements were issued. Remaining rent payments followed. With all categories resolved, the claim was fully settled.

The Outcome

Total recovery on this claim was $311,307.12.

Privacy Policy

Effective Date: May 25, 2026Ares Public Adjusters values your privacy. This Privacy Policy explains how we collect, use, store, and protect personal information when you visit aresclaims.com, contact us, submit a form, or use our public adjusting services.Information We CollectWe may collect the following information:Contact information: name, phone number, email address, mailing address, and property address.Claim-related information: insurance policy information, claim numbers, date of loss, damage details, photos, estimates, documents, communications, and other information needed to evaluate or assist with a property insurance claim.Website information: IP address, browser type, device information, pages visited, form submissions, and similar usage data collected through cookies, analytics tools, or similar technologies.Communication information: emails, text messages, phone call details, consultation requests, and other information you choose to provide.We do not collect more information than reasonably necessary to operate our business, respond to inquiries, and provide public adjusting services.How We Use InformationWe may use personal information to:Provide public adjusting services.Review, document, prepare, manage, and negotiate property insurance claims.Communicate with clients, prospective clients, insurance companies, contractors, consultants, and other claim-related parties.Respond to questions, consultation requests, and website form submissions.Maintain business records and improve our services.Protect our legal rights, comply with legal obligations, and prevent fraud or misuse.Send service-related communications. We may also send marketing communications where permitted by law, and you may opt out at any time.How We Store InformationAres Public Adjusters uses its own custom software to store and manage client and claim information. We do not use Salesforce.We may also use trusted service providers for website hosting, data storage, email, communications, analytics, security, and other business operations. These providers are only permitted to use information as needed to provide services to us or as required by law.How We Share InformationWe do not sell personal information.We may share information when reasonably necessary with:Insurance companies, adjusters, contractors, consultants, experts, attorneys, or other parties involved in a claim.Service providers who help us operate our website, software, communications, storage, and business systems.Government agencies, regulators, courts, or law enforcement when required by law.Other parties with your consent or at your direction.If we use advertising or analytics tools that qualify as “sharing” under California privacy law, we will provide any required opt-out method.Cookies and TrackingOur website may use cookies and similar technologies to operate the site, understand visitor activity, improve performance, and support marketing or analytics.Some browsers offer “Do Not Track” signals. Our website may not respond to all browser-based Do Not Track signals. Where legally required, we will honor applicable opt-out preference signals or provide another method to exercise privacy choices.California Privacy RightsCalifornia residents may have the right to:Know what personal information we collect, use, disclose, sell, or share.Request access to personal information.Request correction of inaccurate personal information.Request deletion of personal information, subject to legal and business exceptions.Opt out of the sale or sharing of personal information, if applicable.Limit the use of sensitive personal information, if applicable.Not be discriminated against for exercising privacy rights.To make a privacy request, contact us using the information below. We may need to verify your identity before completing a request. Authorized agents may submit requests on behalf of California residents where permitted by law.Data RetentionWe retain personal information for as long as reasonably necessary to provide services, manage claims, maintain business records, comply with legal obligations, resolve disputes, and enforce agreements.SecurityWe use reasonable administrative, technical, and physical safeguards to protect personal information. No website, software system, or method of electronic storage is completely secure, so we cannot guarantee absolute security.Children’s PrivacyOur website and services are not directed to children under 13. We do not knowingly collect personal information from children under 13.Updates to This PolicyWe may update this Privacy Policy from time to time. The updated version will be posted on this website with a revised effective date.Contact UsFor questions or privacy requests, contact:Ares Public Adjusters
414 N Orange St Unit 107
Glendale, CA 91203
Phone: (818) 918-3332
Email: info@aresclaims.com

Terms & Conditions

Effective Date: May 25, 2026Welcome to the website of Ares Public Adjusters. These Terms and Conditions explain the rules for using our website, contacting our firm, and understanding the general nature of our public adjusting services.By using this website, submitting a form, contacting us, or requesting information, you agree to these Terms and Conditions. If you do not agree, please do not use this website.About Ares Public AdjustersAres Public Adjusters is a public adjusting firm serving Los Angeles and surrounding areas. We represent insured policyholders, not insurance companies.Our services may include reviewing insurance policies, documenting property damage, preparing claim support, communicating with insurance companies, and negotiating property insurance claims on behalf of policyholders.Website Information OnlyThe information on this website is provided for general informational purposes only. It is not legal advice, insurance coverage advice, tax advice, or a guarantee of any claim result.Every insurance claim is different. Claim outcomes depend on the policy, facts, damages, documentation, carrier position, applicable law, and other claim-specific issues.No Public Adjuster Relationship Until Signed ContractContacting Ares Public Adjusters, submitting a website form, calling us, emailing us, or receiving a consultation does not automatically create a public adjuster-client relationship.A public adjuster-client relationship is created only after both the policyholder and Ares Public Adjusters sign a written public adjuster contract.If there is any conflict between these website Terms and Conditions and a signed public adjuster contract, the signed contract controls.Fees and CompensationAny fee, commission, or compensation owed to Ares Public Adjusters will be stated in the signed public adjuster contract.Ares Public Adjusters does not charge a public adjusting fee unless authorized by the client and allowed under the signed contract and applicable law.No Guarantee of Insurance PaymentAres Public Adjusters works to properly document, prepare, present, and negotiate claims. However, we do not guarantee that an insurance company will pay a claim, increase a claim payment, approve coverage, or resolve a claim within a specific time.Insurance companies make coverage and payment decisions based on the policy, claim investigation, documentation, and their interpretation of the loss.Client ResponsibilitiesClients and prospective clients are responsible for providing accurate, complete, and truthful information.This includes insurance policies, claim numbers, communications from the insurance company, photos, receipts, estimates, inventories, repair records, mortgage information, and any other documents relevant to the claim.Ares Public Adjusters may rely on the information provided by the client when preparing or presenting a claim.Use of Custom SoftwareAres Public Adjusters may use its own custom software to manage claim information, documents, communications, and internal workflows.Clients may be asked to provide documents, photos, signatures, or claim information electronically. By communicating with us electronically, you consent to electronic communication unless you tell us otherwise in writing.Third PartiesDuring a claim, Ares Public Adjusters may communicate with insurance companies, insurance adjusters, contractors, consultants, engineers, mitigation companies, appraisers, attorneys, mortgage companies, and other claim-related parties when reasonably necessary.Ares Public Adjusters is not responsible for the work, pricing, delays, statements, warranties, or conduct of third-party vendors unless specifically agreed in writing.Not a Contractor or Repair CompanyAres Public Adjusters is a public adjusting firm. We do not act as a general contractor, construction company, restoration company, remediation company, engineer, architect, or repair warranty provider.Any repair, mitigation, construction, or professional service agreement with a third party is separate from Ares Public Adjusters.Website UseYou agree not to misuse this website. You may not attempt to hack, damage, overload, scrape, copy, reverse engineer, interfere with, or gain unauthorized access to the website, software, forms, systems, or data of Ares Public Adjusters.You may not use this website to submit false information, spam, unlawful content, or information belonging to another person without authorization.Intellectual PropertyThe text, design, branding, logo, graphics, photos, videos, content, and other materials on this website are owned by or licensed to Ares Public Adjusters unless otherwise stated.You may view and print website pages for personal, non-commercial use. You may not copy, reproduce, sell, modify, distribute, or use website content for commercial purposes without written permission from Ares Public Adjusters.Third-Party LinksThis website may contain links to third-party websites or services. These links are provided for convenience only.Ares Public Adjusters does not control and is not responsible for third-party websites, content, policies, security, services, or business practices.PrivacyUse of this website is also governed by our Privacy Policy. Please review the Privacy Policy to understand how we collect, use, store, and protect personal information.Limitation of LiabilityTo the maximum extent permitted by law, Ares Public Adjusters is not liable for damages arising from use of this website, inability to use this website, reliance on website information, technical issues, third-party links, or unauthorized access caused by factors outside our reasonable control.This limitation does not limit any rights a client may have under a signed public adjuster contract or applicable law.IndemnificationYou agree to hold Ares Public Adjusters harmless from claims, losses, damages, liabilities, and expenses arising from your misuse of the website, submission of false information, violation of these Terms and Conditions, or violation of another person’s rights.Changes to These TermsAres Public Adjusters may update these Terms and Conditions from time to time. Updates will be posted on this website with a revised effective date.Continued use of the website after changes are posted means you accept the updated Terms and Conditions.Governing LawThese Terms and Conditions are governed by the laws of the State of California, without regard to conflict of law rules.To the extent legally permitted, any dispute related to this website or these Terms and Conditions will be handled in California. These Terms do not override any dispute-resolution terms in a signed public adjuster contract.Contact UsFor questions about these Terms and Conditions, contact:Ares Public Adjusters
414 N Orange St Unit 107
Glendale, CA 91203
Phone: (818) 918-3332
Email: info@aresclaims.com

Water Damage Assessment and Documentation

Our experienced team will assess the extent of the water damage to your property and thoroughly document the damages, ensuring nothing is overlooked.

Water Damage Insurance Claims Management

We will work closely with your insurance company, ensuring you receive the maximum compensation you deserve. Our experts will handle all negotiations on your behalf.

Quick Resolution

Our goal is to expedite the claims process, so you can focus on restoring your home and getting your life back to normal as soon as possible.

Specialized Expertise in Water Damage

Our team of public adjusters specializes in water damage claims and has a deep understanding of the insurance industry.

Personalized Water Damage Claim Services

We treat every client with the care and attention they deserve, providing tailored solutions for your specific situation.

Maximizing Your Water Damage Compensation

Our goal is to maximize your claim, ensuring you're properly compensated for your losses.

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What should I do immediately after discovering water damage in my home?

After discovering water damage, it's crucial to take prompt action. First, ensure your safety by turning off electricity and gas if it's safe to do so. Then, try to stop the source of water, if possible.

Do I need a public adjuster for my water damage claim, or can I handle it myself?

While you can file a claim on your own, having a public adjuster on your side can significantly benefit you. We have the expertise to navigate the complex insurance claims process, ensuring you receive fair compensation for your losses.

What should I document when filing a water damage claim?

When filing a claim, document as much as you can. Take photos and videos of the damage, do not contact your insurance company as we will call them on your behalf. Save receipts for any expenses related to the cleanup and restoration of your property.

How long does it take to settle a water damage claim?

The duration of claim settlement can vary depending on the complexity of your case and your insurance company's policies. We work to expedite the process, but it's essential to be patient as insurance claims can take some time to resolve.

Will my insurance premium increase if I file a water damage claim?

Filing a legitimate water damage claim typically won't result in a premium increase, as it is considered a non-fault claim.

What if my insurance claim is denied or underpaid?

If your claim is denied or underpaid, our experienced public adjusters can help you dispute the decision, providing evidence and negotiating with your insurance company to ensure you receive fair compensation.

Can I prevent water damage in the future?

Yes, there are steps you can take to prevent water damage, such as regular maintenance of your plumbing and roof, installing a sump pump, and ensuring proper drainage around your property. We can provide you with tips and resources to protect your home from future water damage.

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Damage Assessment and Documentation

Our experienced team will assess the extent of the smoke and fire damage to your property and meticulously document the damages to support your insurance claim.

Insurance Claims Management

We will work closely with your insurance company to ensure you receive the maximum compensation you deserve. Our experts will handle all negotiations on your behalf.

Quick Resolution

Our goal is to expedite the claims process, so you can begin the process of restoring your home as soon as possible.

Specialized Expertise in Fire and Smoke Damage

Our team of public adjusters specializes in smoke and fire damage claims and has a deep understanding of the insurance industry.

Personalized Fire and Smoke Damage Claim Services

We treat every client with the care and attention they deserve, providing tailored solutions for your unique situation.

Maximizing Your Fire and Smoke Damage Compensation

Our goal is to maximize your claim, ensuring you're properly compensated for your losses.

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Is smoke and fire damage typically covered by homeowner's insurance policy?

In most cases, smoke and fire damage is covered by homeowner's insurance policies. However, it's essential to review your policy to understand the extent of your coverage and any limitations.

What should I do immediately after a fire in my home is extinguished?

After a fire, it's vital to ensure your safety and the safety of your family. Contact the fire department if you haven't already, and then document the damage with photographs. It's also crucial for our team to conduct an inspection in order to properly document all damages

How can a public adjuster assist with my smoke and fire damage claim?

Our public adjusters will assess the damage, compile detailed evidence, and negotiate with your insurance company to ensure you receive fair compensation for your losses. We're your advocates throughout the claims process.

What if my insurance claim is denied or underpaid?

If your claim is denied or underpaid, we can help you dispute the decision, providing strong evidence and negotiating with your insurance company to ensure you receive a fair settlement.

How long does it take to settle a smoke and fire damage claim?

The duration of claim settlement can vary depending on the complexity of your case and your insurance company's policies. We work to expedite the process, but it's essential to be patient, as these claims can take time to resolve.

Can I prevent smoke and fire damage in the future?

While accidents can happen, we can provide you with tips and resources to minimize the risk of smoke and fire damage in your home, such as proper fire safety measures and maintenance.

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Comprehensive Roof Damage Assessment

Our expert team conducts a detailed assessment of wind damage to roofs, ensuring thorough documentation for your insurance claim. This critical step is key in securing the maximum compensation for wind-related roof damages.

Efficient Insurance Claims Management for Wind Damage

Navigating insurance claims for wind damage can be complex. Our public adjusters work diligently with your insurance company, advocating for your right to full compensation. We handle all aspects of the negotiation process for your wind damage claim.

Swift Claims Resolution for Wind-Damaged Roofs

Speed is essential in resolving wind damage claims. Our goal is to fast-track your insurance claim, facilitating quick repairs or replacements for your wind-damaged roof.

Specialized Expertise in Wind Damage

Our team, specializing in wind damage insurance claims, possesses deep knowledge of the insurance industry, particularly in wind damage scenarios.

Personalized Wind Damage Claim Services

We offer customized solutions for each wind damage case, providing the dedicated attention you need.

Maximizing Your Wind Damage Compensation

Our aim is to secure the maximum possible compensation for your wind-damaged roof.

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Is wind damage to my roof covered by my homeowner's insurance policy?

In most cases, wind damage is covered by homeowner's insurance. However, the extent of coverage and deductibles can vary. We can help you review your policy and understand your coverage.

What should I do immediately after discovering roof damage from wind?

After discovering roof damage, it's crucial to prevent further damage by covering exposed areas if safe to do so. We have well experienced roofing contractors that we can refer you to.

How can a public adjuster assist with my wind damage claim?

Our public adjusters will assess your roof's damage, gather evidence, and negotiate with your insurance company to ensure you receive the maximum compensation possible. We're your advocates in the claims process.

Will filing a wind damage claim increase my insurance premiums?

Filing a legitimate wind damage claim is typically considered a non-fault claim and shouldn't result in a premium increase.

What if my insurance claim is denied or underpaid?

If your claim is denied or underpaid, we can help you dispute the decision, providing evidence and negotiating with your insurance company to ensure you receive fair compensation.

How can I prevent wind damage to my roof in the future?

We can provide you with tips and resources on how to safeguard your roof against wind damage, such as regular maintenance, reinforced shingles, and proper anchoring methods.

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