Theft and vandalism public adjuster for denied or underpaid claims

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Who we help after theft or vandalism

A theft or vandalism claim is mostly a list of what is gone or broken, and the proof behind it. We take these claims for:

• Homeowners after a burglary, stolen belongings, forced doors and broken windows, or graffiti and other deliberate damage
• Landlords and owners of multi-unit homes, after break-ins or deliberate damage to units and common areas
• Business and industrial property owners with smashed storefronts, stolen stock or equipment (see commercial claims and industrial claims)

Report the crime to the police first, then call us; we can step in before you file or after the insurer has answered.

What our clients say about their claims

Accurate Claims Consulting

5 Stars - Based on 37 User Reviews

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5 Stars - Based on 6 User Reviews

I recommend that anyone who finds themselves initiating any sort of insurance claim start with Accurate Claims Consulting.

Ricardo Ocampo, Google review

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Insurer-side training, policyholder-side loyalty. Our public adjusters have worked for major insurance companies like Farmers, State Farm and Allstate, which gives them inside knowledge of what you are owed for your claim. Each has a Bachelor’s degree at minimum, and some are US military veterans. About Accurate Claims Consulting

How we handle a theft or vandalism claim

1. Secure the report and the scene. We work from your police report and photograph forced entry points, broken glass and damaged property.
2. Rebuild the list. We go room by room, then category by category, to list every stolen or damaged item with brand, model, age and condition.
3. Prove and price each item. We match items to photos, receipts, order histories and statements, and price them at today’s replacement cost.
4. Check the limits. We look at actual cash value or replacement cost terms and the sublimits that cap categories such as jewelry and firearms.
5. Settle on contingency. Our fee comes out of the settlement, never out of your pocket up front.

What insurers dispute on theft and vandalism claims

Can you prove you owned it?

You will not have a receipt for everything, and that is expected. Phone photos from everyday life, email receipts, online order histories, card and bank statements and warranty registrations all help establish ownership; our guide to building a personal property inventory covers each one.

What is a stolen item worth?

Replacement cost is what a comparable new item costs today, not what you paid years ago. On an actual cash value policy, depreciation is subtracted; on a replacement cost policy, the rest is released after you replace the item and submit the documentation.

Is the category capped?

A policy can set sublimits for jewelry, furs, firearms, cash and business property, regardless of the overall contents limit. Knowing those caps early tells you which items need the most documentation.

Licensing and where we work

Our public adjusters are licensed in California by the California Department of Insurance, where policyholders can also take questions or complaints about how a theft claim is being handled. In Arizona, the regulator is the Arizona Department of Insurance and Financial Institutions.

Public Adjusters Services Areas

Stolen belongings and contents follow the same process as our personal property claims. We also handle water damage, fire damage, mold damage, storm damage and earthquake damage claims.

Theft and vandalism claim questions