Fire & Smoke Damage
We help you pursue the full compensation you deserve after fire and smoke losses.
LICENSED. EXPERIENCED. DEDICATED TO YOU.
WE REPRESENT YOU,
NOT THE
INSURANCE COMPANY.
We handle your claim from start to finish and fight to maximize your payout using policy language, documentation, and negotiation.
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Email
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Location
4804 Laurel Canyon Blvd, Unit 1037, Valley Village, CA 91607
SPECIALIZING IN HELPING POLICYHOLDERS
Claim types we handle
Water Damage
From minor leaks to major flooding, we work to maximize your insurance payout.
Roof & Storm Claims
Wind, hail, and storm damage claims handled with precision and experience.
Denied / Underpaid Claims
We fight back against unfair denials and low offers from insurance companies.
Large Loss Consulting
Complex claims require experienced advocates who know how to build strong cases.
WHY IT MATTERS
Why hire a public adjuster?
The insurance company has a professional adjuster working for them from the moment you file. You should too.
Licensed and regulated in California
Public adjusters are licensed by the California Department of Insurance. L.R. Claims & Consulting holds CA License #6015606, and you can verify it at any time.
You are not required to accept the first offer
An insurer's initial estimate may not reflect the full scope of a loss. If important damage or repair costs were not documented, the claim may need additional review or documentation.
No upfront cost
We work on contingency. You pay nothing unless we recover more money than the insurer was prepared to offer on their own.
The insurance company's adjuster
- Works for the insurance company
- Documents the minimum
- Closes files quickly
- Protects the insurer's bottom line
We work for you
- ✓ Documents everything
- ✓ Fights for every dollar
- ✓ Only gets paid when you do
- ✓ Works exclusively for you
HOW IT WORKS
A simple 4-step process
Consultation
We start with a free consultation to understand your claim and situation.
Evaluation
We review your policy, documents, photos, and damages in detail.
Negotiation
We handle communication and negotiation with the insurance company.
Maximize Payout
We fight to help you recover what you are truly owed.
CLAIM SITUATIONS WE HANDLE
Examples of claims we have handled
These are representative examples based on real client claim situations. Identifying details and dollar amounts have been adjusted to protect client privacy. They are not direct client quotes, and past results do not guarantee future outcomes.
The insurer offered about $47,000 after a house fire. We reviewed the policy and documented the full structural damage, smoke infiltration, and contents losses the original estimate missed. The claim settled at about $143,000.
Fire claim — Fontana, CAA water damage claim was denied on a policy exclusion. We challenged the denial and documented secondary water migration the first inspection missed. The claim was reopened and settled at about $67,000.
Water damage (denied) — Sherman Oaks, CAThe insurer's first offer on a roof claim was about $9,200. We documented the full replacement scope, including code-required upgrades. The claim settled at about $38,000.
Roof claim — Burbank, CACOMMON QUESTIONS
Frequently asked questions
Do I pay anything upfront?
No. We only get paid if we recover more money on your claim.
Can you help with denied or underpaid claims?
Yes. We review denial letters, low offers, and active claims to determine whether there is a path to recover more.
How quickly will someone contact me?
Requests submitted during business hours are typically contacted the same business day. Requests submitted after business hours will be contacted the next business day.
Do you work anywhere in California?
Yes. We help California policyholders statewide depending on claim type and location.
HELPFUL RESOURCES
Insurance claim guides for California homeowners
What to do after a house fire in California
The first steps to protect your property, document damage, and avoid common mistakes before speaking with the insurer.
Read articleHow to dispute an insurance denial
What a denial letter really means, what documents matter most, and when it makes sense to push back.
Read articleWater damage claim mistakes to avoid
A simple guide to documentation, mitigation, and timing so you do not leave money on the table.
Read articleSmoke damage claims in California
What smoke damage covers, why HVAC systems are frequently missed, and how to document contents losses properly.
Read articleWhat to do when your claim is underpaid
How to dispute a low settlement, file a supplemental claim, and recover the difference between the offer and what you are owed.
Read articleAdditional living expenses: what your policy covers
What ALE coverage pays for, what qualifies, how long it lasts, and common mistakes that leave money on the table.
Read articleOrdinance and law coverage explained
What code upgrade coverage is, why it matters after a fire or major loss, and how to make sure it is included in your settlement.
Read articleREADY TO GET STARTED?
Let us fight for what you're owed.
No obligation. Just answers.