Insurance Claim Services in California
Protecting What Matters Most—Your Home, Business, and Peace of Mind
When disaster strikes, navigating the insurance claims process can be overwhelming, time-consuming, and emotionally exhausting. At Chris Faber Public Adjusters, we take the burden off your shoulders, handling every aspect of your claim with professionalism, expertise, and compassion. Whether it’s fire, water, or storm damage, or something more complex like business interruption or structural collapse, we’re here to secure the settlement you need to rebuild and recover.
With over 24 years of experience in insurance claims management, including leadership roles with national insurers, Chris Faber knows how the system works—and how to advocate for you.
What Is an Insurance Claim?
An insurance claim is your formal request to your insurance company for financial coverage after your property has been damaged or lost due to an unexpected event, such as a fire, flood, or theft. Submitting a claim allows you to recover costs for repairs, replacements, or other expenses covered under your policy.
However, the process isn’t always as straightforward as it seems. Insurance companies often require extensive documentation, inspections, and negotiations to determine what they will pay—and their priority is minimizing payouts. That’s where having a public adjuster like Chris Faber comes in to level the playing field.
Did You Know?
A well-documented claim can significantly improve your chances of getting a fair settlement.
Claims are often denied or underpaid due to overlooked details, vague policy language, or lack of professional advocacy.
Why This Matters:
Understanding the basics of a claim empowers you to take the right steps when disaster strikes.
Chris Faber ensures every detail is covered and every benefit is claimed, so you’re not left navigating this complex process alone.
What You Should Know About Filing an Insurance Claim
The insurance claims process can feel overwhelming, but being informed and proactive can make all the difference. Here are some essential tips to guide you through and maximize your settlement:
1. Act Fast to Protect Your Claim
Most insurance companies require prompt notification of damage. Whether it’s fire, water, storm, or vandalism, report the incident to your insurer immediately to avoid delays in processing your claim.
2. Document the Damage Thoroughly
Take clear, high-quality photos and videos of all visible damage—both structural and personal belongings—before starting any cleanup or repairs. This documentation serves as critical evidence for your claim.
3. Don’t Toss Damaged Items Too Soon
Even if items seem unsalvageable, hold onto them until your insurance adjuster has inspected them. Disposing of items prematurely could weaken your claim and reduce your payout.
4. Know What Your Policy Covers (and Doesn’t)
Understanding your policy can save you time and frustration. Look out for exclusions, deadlines, and limits on coverage.
Not sure where to start?
Chris Faber Public Adjusters can help you navigate the fine print and make sure no coverage is overlooked. Insurance companies often attempt to minimize payouts, leaving homeowners and business owners under-compensated. Contact us now for a free, no-obligation review of your insurance claim and take the first step towards protecting your property and peace of mind.
Comprehensive Residential Claims Services
Your home is more than just a property—it’s where life happens. Chris Faber Public Adjusters ensures every detail of your residential insurance claim is managed with care, from fire and water damage to theft or storm-related losses. Let us handle the complexities while you focus on rebuilding and restoring your peace of mind.
Fire Damage: Rebuilding After the Ashes
A fire doesn’t just destroy—it disrupts. The aftermath often feels overwhelming, with hidden smoke damage, water-soaked structures, and countless personal losses. Chris understands the emotional toll this takes and ensures every detail is accounted for in your claim, from structural repairs to replacing cherished belongings.
What you may not know:
Smoke particles can linger in your home’s air and walls long after the flames are gone. This isn’t just a property issue; it’s a health concern. We’ll make sure your claim includes proper cleaning and air quality restoration, so your home is not only rebuilt but safe to live in.
Water Damage: Restoring Your Foundation
From sudden floods to slow leaks, water damage can devastate your home. Left unchecked, it can lead to mold growth and long-term structural issues. We identify not just the visible damage but also the hidden problems that insurance companies often overlook.
What you may not know:
Water damage claims aren’t always straightforward. Insurance companies may try to limit payouts by categorizing damages as “maintenance issues.” With Chris by your side, we ensure hidden damage is uncovered, documented, and included in your settlement.
Wind and Storm Damage: Safeguarding Your Family’s Future
Severe weather can rip apart more than shingles—it can leave your family feeling vulnerable. Chris brings decades of expertise to ensure full coverage for structural damage, roof replacement, and even overlooked cosmetic repairs that keep your home looking whole.
What you may not know:
Did you know insurance companies often push for patchwork roof repairs instead of full replacements? We’ll fight to ensure your property is restored to its pre-storm condition, providing peace of mind for years to come.
Smoke and Soot Damage: Beyond What the Eye Can See
Wildfires leave a lasting mark that’s often invisible. Smoke particles embed themselves in walls, fabrics, and even HVAC systems. Living in a home with residual smoke damage can lead to health risks and ongoing discomfort.
What you may not know:
California wildfire victims are entitled to specific benefits, like extended Additional Living Expenses (ALE). Chris makes sure you’re aware of every benefit in your policy and works to secure compensation for hidden smoke damage, so you can breathe easier—literally and figuratively.
Theft and Vandalism: Restoring Your Sense of Security
Having your home violated through theft or vandalism is deeply unsettling. Beyond recovering your losses, Chris ensures your claim addresses repairs to property damage and even the cost of temporary security measures.
What you may not know:
Many policies cover unexpected expenses like upgraded locks or additional home monitoring systems after a break-in. Chris ensures these costs are included, helping you feel secure in your home again.
Earthquake and Collapse: Building Strength After the Shake
Earthquakes and structural collapses often leave homeowners wondering where to start. Chris simplifies the process by documenting every crack and structural compromise, ensuring your claim covers both immediate repairs and long-term safety.
What you may not know:
Small cracks or shifts may signal deeper foundational issues that require extensive repairs. Chris’s experience ensures nothing is overlooked, protecting your home and family from future risks.
Additional Living Expenses: Peace of Mind During Displacement
When your home is uninhabitable, your life doesn’t stop. From temporary housing to added expenses for food and travel, Additional Living Expenses (ALE) coverage ensures your family’s needs are met.
What you may not know:
In California, ALE benefits often extend for up to 24 months after a declared catastrophe, regardless of your policy’s time limits. Chris makes sure you get the full value of this coverage while focusing on rebuilding your home.
Why Chris Faber Public Adjusters?
Your home isn’t just a building; it’s where life happens. Chris brings over 24 years of experience and deep industry knowledge to every claim, ensuring you’re not just compensated but truly cared for throughout the process.
Empathy and Expertise: Chris personally handles every claim, offering both compassion and sharp negotiation skills.
Maximized Settlements: With over $300 million in claims secured, Chris ensures you get every dollar you’re entitled to.
Hassle-Free Process: We manage every detail—from documenting damage to negotiating with your insurer—so you can focus on your family and recovery.
Don’t Let Insurance Companies Win
Insurance companies often minimize payouts by overlooking hidden damages or using complex policy language to deny claims. Our goal is to protect your interests, ensuring no detail is missed and no opportunity is wasted. With over 24 years of experience, Chris Faber personally manages every claim with care and precision, taking the stress off your shoulders.
Commercial & Business Claims: Protecting Your Livelihood
As a business owner, your property isn’t just a building—it’s the heart of your operations and your livelihood. Whether you’re running a small retail shop, a family-owned restaurant, or managing a multi-unit commercial property, Chris Faber Public Adjusters understands the unique challenges that come with business-related claims. Our goal is to minimize downtime and maximize your recovery so you can get back to serving your customers and supporting your team.
Tailored Support for Small Businesses
We know that local businesses are the backbone of communities like Santa Clarita and beyond. That’s why we’re dedicated to making the claims process seamless for business owners, ensuring you can focus on what you do best—running your business.
Types of Business Claims
Business Interruption Claims:
If your operations are paused due to fire, water damage, or another disaster, we ensure your claim includes compensation for lost income, payroll, and operational expenses.
What you may not know:
Many policies cover the cost of temporary relocation or expenses to reopen quickly after repairs. Chris ensures every benefit is utilized.
Structural Damage Claims:
From damaged storefronts to compromised office spaces, we document every detail of your loss to secure coverage for structural repairs and rebuilding.
What you may not know:
Small cracks or cosmetic damage can signal deeper issues. We advocate for thorough inspections and repairs to ensure your building meets safety standards.
Equipment and Inventory Losses:
For restaurants, retailers, or other businesses reliant on inventory and specialized equipment, we help recover costs for replacement or repair, ensuring your claim reflects the full scope of your loss.
What you may not know:
Insurance companies may only offer compensation based on “depreciated” values. Chris negotiates for full replacement value, so you’re not left footing the bill.
Vandalism and Theft Claims:
Beyond lost inventory or cash, vandalism can disrupt operations and tarnish your business’s reputation. We secure compensation for repairs and help you address costs like improved security systems or loss of income during closure.
What you may not know:
Upgraded security measures, such as new locks or surveillance systems, may be covered under your policy. We make sure these are included in your settlement.
Additional Operating Expenses:
If your business requires temporary staffing, equipment rentals, or marketing to announce reopening after a disaster, we ensure those costs are accounted for in your claim.
What you may not know:
Many insurance policies cover expenses beyond basic repairs, such as advertising to notify customers of your reopening or renting temporary equipment to maintain operations.
Utility and Service Interruption Claims:
Damage to local utilities can disrupt your business. We ensure your claim includes losses from interrupted services like power, water, and internet.
What you may not know:
Your policy may cover utility outages related to the disaster, which can mitigate the financial burden of extended downtime. We’ll help ensure these benefits are fully accounted for in your claim.
Focused on the Needs of Local Businesses
In areas like Santa Clarita, local businesses often serve as a lifeline for the community. Chris Faber Public Adjusters recognizes how vital it is for your business to recover quickly—not just for you, but for the customers and employees who rely on your services. We advocate for the unique needs of small businesses, ensuring your recovery plan works for both your operations and the community you serve.
Why Small Business Owners Choose Chris Faber
Personalized Guidance: Chris takes the time to understand the specific challenges your business faces and works closely with you to resolve them.
Community-Focused: As a public adjuster serving Santa Clarita and the surrounding areas, Chris is deeply familiar with the needs of local businesses and the common issues they encounter when filing claims.
Maximizing Your Claim: From negotiating lost income to securing funds for rebuilding, Chris fights for every dollar your business needs to recover.
Hassle-Free Process: We handle the paperwork, insurer negotiations, and documentation while you focus on your employees and customers.
Secure Your Business’s Future
Disasters can threaten more than your building—they can put your entire livelihood at risk. Chris Faber Public Adjusters is here to help you recover fully, rebuild your operations, and continue serving your community. Contact us today for a free consultation to learn how we can support your business through any property insurance claim.