Public adjusters in Pacific Palisades, CA

Ares Public Adjusters helps Pacific Palisades homeowners with total loss, smoke, water and wind claims, including damage from the Palisades Fire.

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Serving
Pacific Palisades, CA
Phone
(818) 918-3332
California license
No. 6012529
Claim review
Free

Your Pacific Palisades public adjuster

The Palisades Fire in January 2025 destroyed thousands of structures in Pacific Palisades and left smoke and ash damage in many homes that survived. Whether you are rebuilding, relocating or cleaning up a home that was left standing, the claim is large and the details matter. We work for you, not the insurance company, and we handle the documentation and negotiation so you can focus on what comes next.

If your claim was denied, underpaid or delayed, or you are not sure the insurance company's number makes sense, call us before you agree to a settlement or sign anything.

What shapes insurance claims in Pacific Palisades

A total loss claim involves much more than the dwelling limit. It includes contents, additional living expenses, debris removal and the cost of rebuilding to current code. Palisades homes often involve custom construction, hillside lots and high replacement costs, so estimates built on standard per square foot pricing tend to come up short.

Many Palisades homes that did not burn still have smoke, ash and soot in the HVAC system, attic and walls. Our Palisades Fire smoke case study shows what a thorough scope can involve, including the HVAC system, attic, pool and interior.

After a declared state of emergency, California law also gives extra time to collect additional living expenses and replacement cost on a total loss, and owners who rebuild or buy elsewhere keep the benefits they would have received at the original site. The California Department of Insurance explains these protections in Bulletin 2025-2.

Claims we handle in Pacific Palisades

How it works

  • Free claim review. Tell us what happened. We look at your policy and the insurance company's position and tell you where you stand.
  • Documentation. We inspect the property, document the damage and prepare a detailed estimate and photo report.
  • Negotiation. We deal with the adjuster, respond to their estimate and push back on anything that was left out or undervalued.
  • Appraisal if needed. When the two sides cannot agree, we can invoke the appraisal clause in your policy.

Public adjusters are paid a percentage of the amount recovered, and the fee is spelled out in a written contract before you sign anything.

Serving Pacific Palisades and nearby areas

We work with property owners across Pacific Palisades, including the Highlands, Castellammare, Marquez Knolls, Rustic Canyon and the Alphabet Streets. We also help clients in Malibu, Los Angeles and Beverly Hills and across Los Angeles County.

Our office is at 414 N Orange St, Unit 107, Glendale, CA 91203. Get directions.

Frequently Asked Questions

My Pacific Palisades home survived. Can I still file a smoke damage claim?

Yes. Smoke, ash and soot can damage a home that was left standing, including the HVAC system, attic, walls and contents. Coverage depends on your policy, but the damage does not have to come from flames. A thorough inspection is the first step.

Do I need a public adjuster for a claim in Pacific Palisades?

You do not have to hire one, but it can help when the damage is large, the claim was denied or underpaid, or the insurance company's estimate is far below your contractor's. A free review can tell you whether it makes sense for your claim.

How much does a public adjuster cost?

Public adjusters are paid a percentage of what is recovered. The fee and everything else about the work is written into a contract that you can review before you sign. We are happy to go over it with you during a free review.

What should I do first after damage to my Pacific Palisades home?

Make sure everyone is safe and stop the source of the damage if you can. Take photos and video before any cleanup, keep damaged items when possible, save receipts for emergency costs and report the loss to your insurance company. Then call us before you agree to a settlement or sign anything.

Do I need an itemized inventory of everything I lost?

Not necessarily. For the total loss of a primary residence after a declared state of emergency, California requires insurers to offer a contents payment of at least 30 percent of the dwelling limit, up to $250,000, without an itemized list. You can claim more later, up to your contents limit, with an inventory.

Can I rebuild somewhere other than Pacific Palisades?

Often, yes. California law says owners who rebuild or buy at a new location are owed the benefits they would have received for rebuilding at the original site, up to the cost to rebuild there. The details depend on your policy, so review it before making plans.

Get a second look before you sign.

A free review shows you what the insurer left out, what your policy covers and whether your claim is worth pursuing further.