Apex Adjusting Group

05/21/2025

🚨 UPDATE: Assurant Reverses Course — Full Limits Paid for Debris and Code 🙌

A month ago, we shared a troubling denial from Assurant on a total loss fire claim — where the insurer attempted to exclude asbestos abatement from debris removal and ignored code upgrade coverage, both clearly mandated by the policy and California law.

Despite statements like:
🗣️ “Abatement is not debris removal.”
🗣️ “Unless the fire caused the debris it would not be covered...”
🗣️ “It is part of Coverage A which is exhausted.”

We held the line. We cited policy language. We referenced California Code of Regulations §2695.9(d). We pushed back — professionally, persistently, and with the policyholder’s rights front and center.

And it worked. 💥

Assurant has now paid full policy limits for:
✅ Debris Removal (10% additional)
✅ Building Code Upgrades (10% additional)

To their credit, they corrected course. This is what accountability looks like. When insurers are willing to re-evaluate and make things right, it deserves acknowledgment.

🔍 Let this be a message to the industry:

Policy language matters.

California’s Fair Claims Act isn’t optional.

Hazardous debris from a fire is not a gray area — it’s covered.

📣 Assurant: Thank you for ultimately honoring the claim. It makes a real difference in a policyholder’s recovery.

To fellow adjusters and attorneys: Stay vigilant. Be thorough. Fight smart. And always, always protect the insured.

05/10/2025

🔥 Victory in Phoenix! 🔥
In less than 60 days, Apex Adjusting Group successfully negotiated a full settlement for a major residential fire loss in Phoenix, Arizona.

This was no small claim — significant structural damage, widespread smoke contamination, and temporary relocation challenges. But with rapid documentation, expert scope development, and direct negotiation, our team secured every covered dollar for the homeowner — fast.

✅ Full payout.
✅ No unnecessary delays.
✅ No lowball games.

At Apex, we don’t just file claims — we fight for policyholders like it's our own home. If you or someone you know is facing a fire loss, let us show you what real representation looks like.

📞 Call us before you call the carrier.

04/29/2025

🏛 Policyholders Deserve Better — Liberty Mutual Insurance, It’s Time to Step Up 🏛

Today, Apex Adjusting Group formally rebutted Liberty Mutual’s denial of a legitimate water loss claim — a denial that contradicts their own documentation and unfairly leaves a California homeowner without a functioning kitchen for over a year.
Here are the facts:

✅ May 3, 2024: Liberty Mutual Insurance conducted their initial inspection and documented, "All damage appears to be from a direct and sudden occurrence."
✅ Immediate mitigation was performed according to IICRC standards — no mold, microbial growth, or signs of long-term leakage were observed.
✅ October 23, 2024: Liberty reinspected — and despite no new engineering report or moisture data — later claimed that "long-term damage was observed underneath the stairs and behind the kitchen cabinets caused by continuous seepage," and denied coverage based on the policy’s seepage exclusion.

Meanwhile, the insured — a hardworking California policyholder — has been living without a kitchen for over a year, simply trying to rebuild after a sudden pipe burst.

Liberty Mutual Insurance, this isn’t acceptable. Policyholders deserve:
✅ Consistency and honesty in claim investigations.
✅ Full compliance with California’s Fair Claims Settlement Practices.
✅ A fair opportunity to rebuild their homes and lives after a covered loss.
Insurance is a promise, not a loophole.

Apex Adjusting Group - Public Adjusters will continue to advocate aggressively for what is right — because the facts, the law, and fairness demand it.

Call now to connect with business.

03/22/2025

🏛️ Standing Up for Policyholders — When Insurers Overstep

This week, Apex submitted a professional asbestos abatement bid for a property fire loss in California to Assurant— a necessary and covered part of the repair process.

Instead of reviewing it, Assurant sent the bid to National Water Claims Services in Florida, a company with no adjusting license in California. Their response?

“We don’t review estimates. Send an invoice after the work is done. Then we will review for potential payment”

Let’s be clear:

🔹 Asbestos removal is required by law when disturbed — it’s not optional or deferrable.

🔹 California regulations (10 CCR § 2695.9) require insurers to pay for consequential damage, including abatement.

🔹 There is no policy language that allows insurers to delay coverage until after hazardous work is completed.

This refusal to review a valid asbestos bid isn't just unethical — it's a violation of California law, a breach of contract, and a potential case of bad faith handling.

We’re demanding immediate payment — and if necessary, will escalate this to the Department of Insurance.

Policyholders: Don’t settle for unlawful delays.

Public adjusters: Stay vigilant and know the regulations.

02/28/2025

Nationwide's Failure to Act: A Case Study in Bad Claims Handling

When policyholders suffer a catastrophic loss, they rely on their insurer to act in good faith and promptly adjust their claim. But what happens when an insurance company deliberately delays, ignores, and obstructs the process?
Here’s a real-world example of what shouldn’t happen in the claims process:
🔹 Date of Loss: Fire on July 4, 2024
🔹 Location: San Rafael, CA – Three-story home on a hillside, built in 1960
🔹 Structural Damage: Over 50% of the structure was lost
🔹 Policyholder’s Efforts (Before Apex's Involvement):
✔️ Hired a licensed local contractor for an estimate
✔️ Retained a structural engineer to evaluate the loss
✔️ Fully complied with the policy's duty to prove and present the loss

Despite all this, Nationwide ignored the policyholder’s efforts for over five months. The assigned adjuster:
❌ Dismissed the policyholder’s contractor estimate and engineer report as "out of line"
❌ Refused to communicate directly with their insured, despite repeated outreach
❌ Hired an out-of-area restoration company (without city consultation or engineering review) to produce a lowball $300,000 bid—a fraction of the true rebuild cost

What Changed After a Public Adjuster Got Involved?
Only after the policyholder hired Apex Adjusting Group in December 2024 did Nationwide even bother sending out an engineer—five months after the fire. And now?

📌 Two independent engineering reports & contractor estimates confirm significant code upgrades and geological engineering work are needed—total cost: $1.9M
📌 Nationwide is refusing to release its engineer’s report, claiming it needs "review"—why the secrecy?
📌 The adjuster has ignored at least 15 phone calls—choosing to communicate only through scattered emails and texts

And here’s the kicker…
📌 After I called Nationwide out on their lowball $300K estimate, the adjuster actually sent me an email admitting that their estimate only accounted for “visible damages”—not a complete bid. How is a policyholder supposed to rebuild their home with an incomplete estimate that isn’t even usable for permitting?

So, is this what claim handling has come to in 2025?
Instead of honoring their obligations, Nationwide has forced its insured into an exhausting, drawn-out battle—delaying the inevitable, costing the insured time and money, and exposing themselves to potential bad faith litigation.
This is not how claims should be handled.

If insurers continue to delay, deny, and defend, they should expect to face appraisal, litigation, and regulatory scrutiny. In the end, this will cost Nationwide far more than if they had simply adjusted the claim properly from day one.

Policyholders deserve better.

It’s time for insurers to be held accountable.

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Call now to connect with business.

01/15/2025

How Can a Public Adjuster Make a Difference in Your Property Loss?

Here's a real example of how we're helping a homeowner in San Rafael:

Our client's rental property suffered fire damage six months ago. Being a contractor himself, he knew the insurance company's initial offer of $365,000 - based on an out-of-area contractor's assessment - wouldn't cover the true cost of restoration, especially given the home's hillside location and age.

Within just one month of bringing Apex on board, we:

* Conducted a thorough property assessment
* Secured engineering reports
* Prepared a comprehensive estimate reflecting:
- Current Bay Area construction costs
- Local building code requirements
- Specific challenges of hillside construction

Let Apex help ensure you receive a fair settlement for your property claim. Our expertise in construction, building codes, and insurance regulations makes the difference.

Contact us to learn how we can assist with your property claim.

01/11/2025

Resources to Help Recent Wildfire Victims

State of California

01/10/2025

🌟 Apex Adjusting Group: Here to Support Those Affected by the Palisades and Eaton Fires 🌟

To everyone impacted by the Palisades and Eaton fires, our hearts are with you. We understand how overwhelming it can be to rebuild after such devastation, and navigating the insurance process can add to the stress.

At Apex Adjusting Group, we’re here to help. As experienced public adjusters, our role is to advocate for you, ensuring that your insurance claim is handled with care and professionalism so you can focus on moving forward.

💛 You’re not alone in this—we’re here to guide you through every step of the process. 💛

If you or someone you know needs assistance with property insurance claims, reach out to us. Let us take the burden of dealing with insurance off your shoulders, so you can concentrate on rebuilding what matters most.

📞 Contact us at (888) 755-5571
📩 Message us directly [email protected]

We’re dedicated to helping you get the most from your insurance coverage during this challenging time. Together, we’ll move toward recovery. 💪

09/23/2024

🔥 Rebuilding After the Fire 🔥

Apex Adjusting Group is privileged to be at the forefront of handling a significant fire loss claim in Folsom, CA. Our focus is ensuring that the insured receives a swift and equitable settlement, paving the way for a smooth recovery and rebuild. With extensive experience in large loss claims, we’re by your side through every step of the process. Folsom, we’re here to help you rise stronger.

09/19/2024

🔥 Important Insurance Reminder! 🔥

Are you using platforms like AirBnb to rent out space in your home? 🏠 If so, take this real-life example as a cautionary tale:

A homeowner was renting out an apartment above his garage via AirBnb. Unfortunately, after a renter left a candle burning, the structure caught fire. 🚒 Here’s the kicker—the homeowner didn’t have the right insurance endorsement for short-term rentals and was denied coverage for the damages.

💡 Don't let this happen to you! 💡

When you're renting out your property short-term, your standard homeowners' insurance likely won't cover it unless you have the right endorsement. Make sure to:

✅ Check your current policy for exclusions
✅ Talk to your insurance agent about additional endorsements for short-term rentals
✅ Protect yourself from unforeseen financial disaster!

Stay ahead of the game and ensure your property is fully protected. 🔐

09/10/2024

🚨 Water Damage? We’ve Got You Covered! 🚨

Water damage can be one of the most stressful situations a homeowner can face. From sudden leaks to extensive damage, insurance companies often don't offer enough to cover the true cost of repairs.

💧 Recently, we assisted a client in Monterey, CA, who experienced a sudden water leak in their kitchen. The damage extended throughout the entire downstairs, including the kitchen, half bath, dining room, and living room. The initial offer from their insurance company was just $17,431.90, but contractor estimates to repair the damage exceeded $100,000! 😱

🏆 At Apex Adjusting Group, we stepped in and fought hard for our client. We were able to secure well over the amount needed, ensuring our client had more than enough to cover their contractor's bid and restore their home fully.

👉 If you’re dealing with water damage and feeling overwhelmed by lowball offers, don’t settle. Let Apex Adjusting Group get you the payout you deserve!

Apex Adjusting Group can help with claims in the following states: Washington, Oregon, Idaho, Nevada, California, Arizona, Colorado, Texas, and Georgia!

📞 Contact us today for a free consultation!

09/06/2024

🔹 Why Hire a Public Adjuster? Let Our Results Speak for Themselves! 🔹

I’m often asked, “Why should I hire a public adjuster, specifically Apex Adjusting?” Here's a perfect example:

A real estate investor reached out to us after struggling for over six months with their insurance company on a fire claim in Sacramento, CA, for a small house. The insurance company only offered $26,440.80 and wouldn’t budge.

That’s when they turned to Apex Adjusting. In less than a month of working with the carrier, we secured a settlement of $160,000—an incredible increase of over 500%!

If you or someone you know is battling with an insurance claim, don't fight alone. Give us a call for a consultation and see how we can help you get the settlement you deserve.

📞 Contact us today!