California wildfire claims are routinely underpaid
by tens
of thousands of dollars.
After the Palisades, Eaton, and Mountain fires, many homeowners are still owed money under their own policy, for code upgrades, extended replacement cost, and personal property. A licensed public adjuster can review your settlement at no cost and tell you within 24 hours. Results vary.
Each fire. Each deadline. The money still on the table.
Each fire has its own deadline, its own recovery landscape, and its own unclaimed money sitting in policies. Click your fire to see exactly what's available to you.
Pacific Palisades · Los Angeles County
Palisades Fire
Started January 7, 2025
⚠ Deadline: Early January 2027
The Palisades Fire destroyed over 6,800 structures across Pacific Palisades and Malibu. Most initial settlements have been significantly underpaid — insurance adjusters routinely miss code-upgrade costs, personal property, and additional living expenses.
Altadena · Pasadena · Los Angeles County
Eaton Fire
Started January 7, 2025
⚠ Deadline: Early January 2027
Supplemental claims take 3–6 months to build properly. Families who wait until late 2026 face compressed timelines and competing demand for documentation. Starting now protects your recovery.
Camarillo · Ventura County
Mountain Fire
Started November 6, 2024
⚠ Deadline: November 2026 — URGENT
The Mountain Fire moved fast through Camarillo-area communities in Ventura County. With a November 2026 deadline — over a year earlier than the LA fires — Mountain Fire survivors have significantly less time to reopen and supplement underpaid claims.
There are three kinds of adjuster. Only one works for you.
Company Adjuster
Employed by the insurance company. Trained to settle your claim for as little as possible.
Independent Adjuster
Hired by the insurer during major disasters when they run short of staff. Still represents the insurance company, not you.
Public Adjuster (Glenis)
Licensed to represent you. Paid only when you recover more. The only adjuster on your side of the table.
California and Hawaii law require us to disclose this in every contract. Most homeowners never realize the friendly adjuster who "helped" them works for a business whose goal is to pay less. Think of it like taxes: you can file alone, or bring in someone who knows every line of the code.
Some families even take out SBA disaster loans to rebuild, borrowing money that was already sitting unclaimed inside their own policy.
Helping families get the most from their insurance claims since 1988.
I've seen every trick in the book.
I got my start in fire reconstruction and mitigation in 1988 — running the company that went in after the fire to restore what families had lost. I saw firsthand how insurance companies handled claims, and I saw how much money slipped through the cracks.
I became a licensed public adjuster in 1991 and have owned my own company since 1993. In 38 years I have worked every angle of this industry — fire reconstruction, mitigation, pack-out, and claims recovery. I am licensed in multiple states including California, Hawaii, and Florida.
"It's like having a tax attorney who knows every line of the code and exactly how to use it. The insurance company has had their expert on your file since day one. Now you have yours."
I work with individual homeowners, HOA boards, and multi-unit property owners in California, Hawaii, and Florida. Whether it's a single-family home or a 50-unit complex — I find what your policy owes you.
Serving Maui/Lahaina survivors navigating the Hawaii wildfire settlement process. Even if you believe your deadline has passed — send me your paperwork. I will review it at no cost.
Four steps. No surprises.
We Review Your Policy (Free)
Book a free appointment. The team reviews your full policy — including endorsements most adjusters overlook — and reports back within 24 hours.
We Document Everything
The team will document every category of loss within the next 4 weeks. The structure, personal property, code upgrades, additional living expenses, and debris removal, etc.
We Negotiate Hard
The team handles all communication with the insurance company directly. You focus on rebuilding while we handle the paperwork and pushback within 4-10 weeks.
You Recover More
Clients typically recover $50,000–$200,000 more than their initial settlement. If we don't find more, you owe nothing.
"After the honeymoon is over —
that's when I show up."
— Glenis Romero Hargreaves, Licensed Public Adjuster Since 1991
They thought they were done. They weren't.
Over $12 million recovered for clients to date (cumulative across all cases).
"I thought my claim was done. Glenis found money I didn't know was in my policy. She handled everything — I just had to sign a few papers and wait for the check."
$94,000 recovered
Julia
She became my mouthpiece — Glenis fought the insurance company so I didn't have to.
★★★★★
"Glenis navigated everything — she made sure the insurance company treated us right and we got the max on our entire claim."
$210,000 recovered
Donald & Sarah · House Fire
Satisfied Clients
★★★★★
"She was my liaison with the insurance company, handled everything, and then went back and got me even more."
$340,000 recovered
Rental Property Fire
Satisfied Client
★★★★★
"When fire hit our property, Glenis was already on-site surveying damage before we even arrived. In my 20-year Navy career we called it 'bulldog tenacity' — an unyielding determination to win regardless of opposition. That's exactly what Glenis brought to our case, and she got us more than we ever anticipated."
Patrick Darryl · Property Fire
Satisfied Client
What's inside
A calm, clear roadmap for recovering everything your policy actually owes you.
Designed for families in the middle of a claim, this guide turns confusing policy language and adjuster jargon into plain English you can read in an evening and act on the next morning.
- The 10 claim-handling mistakes that quietly cap your recovery — and how to avoid each one
- How to read your full policy so the policy — not the adjuster's estimate — drives your claim
- Red-flag language on "final payment" checks and releases you should never sign too soon
- A simple framework for deciding between a Public Adjuster, handling it yourself, or an attorney
You're probably wondering
Zero. Nothing. We work off what we recover — 15% of the additional money found. So if we don't find money, we don't get paid. That's how confident we are that money is still sitting in your policy.— Your Recovery Team
Yes. Accepting a settlement does not waive your right to file for additional coverage under your policy. Code upgrades, extended replacement cost, personal property — these are separate line items that most homeowners never claim. California law protects your right to pursue them. It's not too late! We specialize in cases 12+ months post-disaster.— Your Recovery Team
Yes. Most families don't have everything — and that's fine. Start with whatever you have: a settlement letter, your address, or even just your name. We've built an entire system around incomplete information.— Your Recovery Team
Then we'll tell you! It costs you nothing. We won't get involved unless the team knows there's money to recover.— Your Recovery Team
You're not rocking the boat — you're standing on your rights. California law gives you the right to hire your own representative, just like the insurance company has theirs. What we're doing is holding them to the contract they wrote. The one you paid premiums on for years. That's not trouble — that's your right.— Your Recovery Team
Almost none. We have a system we've been refining for over 30 years. 75% of the work is already done before the team even meet with you. You don't have to go back through the loss piece by piece.— Your Recovery Team
The team work on a contingency of 15% — but only on the additional money we find. If your insurance company already paid you $200,000 and we recover another $150,000, our fee comes from that $150,000 only. Not a penny from what you've already received.— Your Recovery Team
Simple: their adjuster works for the insurance company. We work for you. Their job is to close your claim for as little as possible. Our job is to find every dollar your policy entitles you to. Think of it like taxes — you could file yourself, or you could hire someone who knows every deduction in the code.— Your Recovery Team
Glenis is a California-licensed public adjuster, licensed since 1991. You can verify her license with the California Department of Insurance. She does not ask for any payment upfront — ever. If she does not find additional money in your policy, you owe her NOTHING. That's not how scams work.— Your Recovery Team
Yes. We've worked with HOA boards and multi-unit complexes across California. The master policy often has significant unclaimed coverage for common areas, code upgrades, and shared structures. We can present findings directly to your board.— Your Recovery Team
They can't. California law protects policyholders from retaliation for filing legitimate claims. Your insurer cannot cancel, non-renew, or raise rates specifically because you hired a public adjuster or pursued additional coverage. We've been through this hundreds of times — it's never happened to a single client.— Your Recovery Team
A lawyer fights in court. We fight in the policy. Lawyers are expensive, take years, and most wildfire claim disputes never need litigation — they need someone who can read the policy better than the insurance company's adjuster. That's what we do. If legal action ever becomes necessary, we'll tell you — but in 33 years, it almost never has.— Your Recovery Team
You're not asking for a handout. You're claiming what you already paid for.
If you've been fighting this for over a year, if reliving the loss to itemize every belonging feels impossible, you are not alone, and you are not done. You don't have to do the hard part. Glenis's team handles roughly 75% of the inventory and paperwork, so you don't relive it piece by piece.
This isn't rocking the boat. It's the coverage you bought, year after year. It's your right, and for many families, it's a legacy for the people they love. You're allowed to claim it.
Prefer to talk now? Call (561) 577-7163
Don't leave $50,000–$200,000 on the table.
Book a free policy review. Our team will tell you exactly what your policy owes you — at no cost, no obligation, no risk.
No recovery, no fee · January 2028 deadline
Prefer to talk now? Call (561) 577-7163