- A long and successful career working as an insurance defense attorney, including extensive experience in wildfire litigation, water damage, and other types of property damage loss. Serving, San Diego, Orange County, LA and more!
- Ethical and experienced negotiator whose in-depth knowledge of property damage law maximizes the financial settlement you receive from your insurer.
- Thorough understanding of California insurance claims process enables him to be an effective advocate that gets the most out of your policy.
- Deep familiarity with the weaknesses of poorly presented claims, and the techniques insurance adjusters use when evaluating and negotiating a claim.
- Partners with experienced experts in various fields to solidify damage valuations and repair estimates.
- Contingency fee means that Integral Adjusters only gets paid after you get paid by your insurer.
The Advantage I Bring You
Public Adjusters Serving All Fire, Water, & Property Damage Claims in San Diego, Orange County, San Bernadino, LA, & Ventura
Have you studied the ins and outs of your policy? Are you fluent enough in insurance law to be able to successfully negotiate against experienced insurance company representatives? For most policyholders, the answer is no. By hiring a trustworthy property damage public adjuster serving California communities such as Los Angeles, Orange County, San Diego, and more, you get an expert on your side who possesses the tools and the knowledge to advocate for you, gather vital documentation and information, supply a correct damage assessment, and prepare a strong claim that gets you the maximum settlement your policy allows.
Why I Became a Public Adjuster
Why use me Instead of Other Property Damage Adjusters for your Insurance Claim?
I was an insurance defense attorney for 13 years and continue to be a member of the State Bar of California. During my career, I reviewed hundreds of insurance claim files and expert reports, and successfully resolved lawsuits ranging from several thousand dollars to millions of dollars. I have extensive experience working on property damage claims because of my specialized work focused on damages in wildfire litigation. I also have experience handling water loss claims, both from my time as an attorney as well as a public adjuster. Now I want to use my knowledge and experience to help California policyholders get back on their feet after a life-disrupting loss or disaster. I want to help homeowners and business owners navigate the insurance claim process and maximize their recovery from their insurers.
FREE No-Obligation Claim Review
Don’t accept the BARE minimum for your Fire or Water Damage Claim in San Diego, Orange County, Ventura, San Bernadino, or LA Counties
Why let the insurance company get away with paying you the bare minimum? Whether you’ve suffered a water loss from a pipe burst that floods or damages your home or business, or a partial or catastrophic loss from a fire or the recent California Wildfires, Integral Adjusters will give your claim the attention it deserves. Our service starts with a free consultation with our reputable public adjuster serving LA, San Diego, Orange County, San Bernardino, and other CA communities – Michael McEvoy. Whether you just sustained the property damage loss, or you are dealing with a difficult and ongoing claim with your insurance company, schedule a free initial consultation with Michael McEvoy, owner of Integral Adjusters, and he will answer any questions you may have about the claim process, examine your insurance policy, and discuss your coverage.
Why Do I Need To Hire The Best Public Adjuster?
Any damage to your property in Orange County, Los Angeles or San Diego, whether caused by a flood, fire or any other disaster can be extremely stressful. When it comes to property damage, there’s no such thing as a minor loss. Disasters like these are usually life-changing and can result in lasting trauma. The only thing that can make matters worse is dealing with all the bureaucracy alone in the aftermath of this traumatic event.
Independent public adjusters can help you navigate the lengthy and confusing process of a property damage claim which tends to leave people confused and hopeless. Additionally, a public adjuster can help you deal with the insurance adjuster working in the interest of the insurance company.
Dealing with property damage or loss on your own means you deserve to be rightfully compensated, and insurance companies are going to try their best to make sure you don’t receive your rightful due. A San Diego public adjuster will be the advocate for your rights during the process and help prepare a thorough claim that will ensure your insurance benefits will not be cut.
Why Should I Hire A Public Adjuster?
Losing a property to a disaster such as flooding or fire can happen to anyone in San Diego, CA. You often believe it only happens to others, but when disaster sadly strikes you are left to deal with the consequences. Apart from dealing with grieving and emotional loss, dealing with an insurance company is something not a lot of people are prepared for or know how to do. Finding out that your claim has been denied or significantly reduced and realizing the policy is protecting the insurance company and not you, the real victim, can be traumatizing.
Insurance claims are not something people deal with every day. Usually, people are only faced with this challenge once or twice in their entire life. That’s where a public adjuster can be of immense help.
In most cases, people hire a public adjuster when they feel that the insurance adjuster assigned by the insurance company isn’t working in their interest. While a public adjuster charges for their services directly to the client, an insurance-company appointed adjuster charges the insurance company. This can sometimes create a conflict of interests and the policyholder feels more comfortable hiring an independent adjuster to dispute the clam.
A public adjuster will make sure that all the responsibilities listed in the policy are fulfilled and that your interests are properly represented. A public adjuster represents the policyholder, not the insurance company and not the insurance adjuster.
How Can A Public Adjuster Help?
Public adjusters are insurance experts who represent the interests of the insured party or the policyholder instead of the insurance company. The insurance company is represented by insurance adjusters or independent adjusters who work for the insurance company contractually or as employees to reduce the financial loss of the insurance company regarding your claim. A public adjuster can help you with several key steps of the property damage claim.
Prove Your Damage
The insured party is obliged to prove the amount of damage following a disaster. This can be a time-consuming and challenging task, especially if you are inexperienced and pressed for time. Without a public adjuster, you will likely have to settle for whatever amount the insurance company appraises.
Help With Documenting
Going through all the necessary documentation is not just long and difficult, but can be unpleasant. Due to the personal investment in the event, the policyholder may overlook some key details of the case.
Dealing With Insurance Representatives
The meetings and conversations with the insurance representatives and insurance adjusters can be traumatic and stressful. Moreover, you will have to assess the claim alone without professional guidance.
Understanding Of The Law
Public adjusters are versed in all the local San Diego laws and regulations that can help protect you from any issues that may affect the insurance claim and benefit the insurance company.
Preparing The Necessary Documentation
The policyholder needs to document any damage to their property on their own. This involves collecting and sorting through numerous construction records, receipts and photographic evidence and cataloging any damaged or lost personal belongings. Finally, you will need to provide solid evidence for any missing property including model numbers, purchase date and price, receipts and condition of the items.