Public adjusters · Oceanside, CA
Your insurance company has an adjuster. You should too.
We represent you, not the insurer, on fire, water and storm claims for homes and commercial properties across Southern California. We document the full loss and negotiate the settlement for you.
Licensed California public adjuster · No upfront fees: we're paid only from your settlement
“Loren is a highly knowledgeable public adjuster that got me more than I thought possible… Loren is worth every cent.”
Loren Pearlman, founder
U.S. Coast Guard veteran · hundreds of property claims documented
350+
property owners represented
20+
years of combined claim experience
5
star rating from our clients
$0
upfront: our fee comes out of your settlement
What we handle
Claims where the details decide the payout
From a single burst pipe to an industrial fire, we build the claim file the insurer has to answer to: every room measured, every line priced, every clause read.
- 01 Fire & smoke damage Soot and heat travel into walls, attics and ductwork. We map the damage you can't see, so it's in the claim.
- 02 Water & storm damage Infrared moisture detection finds water behind walls and under floors, so the full loss is in the claim.
- 03 Commercial & industrial losses Offices, retail, multi-family and industrial properties, including business income losses while you rebuild.
- 04 Policy review Limits, exclusions and endorsements read in plain English, before you file or before you sign.
- 05 Appraisal disputes When the insurer agrees you're covered but not on what it costs, appraisal settles it without a lawsuit.
- 06 Structural assessment & 3D mapping Drone imaging and 3D scans give the insurer a permanent record of the damage that photos alone can't.
Client outcomes
What changed when Loren stepped in
Nearly 3×
the insurer's original estimate
“The result? Our payout nearly TRIPLED. Same claim, same damage, completely different outcome once someone knowledgeable stepped in to hold them accountable.”
More than 2×
after a burst pipe
“Our home insurance company didnt give us what we deserved. They gave us about 40% of the damages. We hired Loren and he more than DOUBLED what we got.”
6 months
stuck, then settled
“After trying to work with the neighbor's auto insurance, then our own homeowners insurance company for a total of six months with no progress… We received more money than was originally offered and faster than if we had filed the claim on our own.”
Who you'll work with
Loren Pearlman handles your claim himself
Before founding Lion, Loren adjusted claims for policyholders with Property Claims Consultant Inc. and Jamyson Company. He has documented hundreds of property losses across California, from wildfire to water to structural damage.
Eleven years in the Coast Guard taught him to run a disciplined operation. That shows up in the claim files he builds: complete, inspection-ready and hard for a carrier to argue with. He lives in Oceanside with his wife and two sons.
“He fought for us as if we were his family.”Zachary A.
How it works
From the first call to the final check
-
1
Free claim review
Tell us what happened. We read your policy and tell you honestly whether you need us.
-
2
Inspect & document
Drone imaging, 3D mapping and infrared moisture readings record every bit of the damage.
-
3
Build the claim
An itemized estimate that matches your policy language, priced on local construction costs.
-
4
Negotiate the settlement
We deal with the adjuster, attend the inspections and push back until the numbers are right.
Questions
What property owners ask us first
How do you charge?
No upfront fees. We work on contingency, so our fee is a percentage of your final settlement. In California, public adjuster fees are regulated and capped by the Department of Insurance. You pay nothing unless money is recovered for you.
How are you different from the insurance company's adjuster?
The insurance company's adjuster works for the insurer. A public adjuster is hired by you and works only for you. That matters most on complex fire and water claims, where competing assessments of scope and value decide the final number.
Can you review my policy before I file?
Yes. We check your limits, exclusions, deductibles and endorsements for gaps, so you don't discover them for the first time after a fire or water loss.
When should I use the appraisal clause?
When you and the insurer agree the damage is covered but can't agree on what it costs to fix. Each side hires an appraiser, and the two pick an umpire to settle it without going to court.
Do you handle commercial property claims?
Yes. Alongside homes, we represent owners of commercial and industrial properties, including business income losses. Call us to talk through your claim.