Do you handle claims in Ojai, Santa Paula and Fillmore?

Yes. We serve the entire county — the Ojai Valley, the Santa Clara River Valley (Santa Paula, Fillmore, Piru), the Conejo Valley (Thousand Oaks, Newbury Park, Westlake, Oak Park), Simi Valley and Moorpark, and the coastal plain (Ventura, Oxnard, Camarillo, Port Hueneme).

My insurer says the mudslide damage isn't covered. Is that final?

Not necessarily. Earth movement and flood are generally excluded, but policies differ on ensuing losses and on what happens when a covered event — a storm-damaged roof, a broken pipe — sets the loss in motion. We review the actual policy language and the physical evidence before accepting a denial.

Can you help with a ranch or agricultural property claim?

Yes. We have handled claims for barns, packing and processing facilities, cold storage, equipment, greenhouses and farm dwellings across Ventura County, and we understand the farm and commercial policy forms these properties carry.

Is there any cost to have you review my claim?

No. The consultation and policy review are free. If we represent you, our fee is a percentage of what we recover, agreed in writing before we start.

Ventura County, California

Public Adjusters in Ventura County

Thomas. Woolsey. Hill. Maria. Mountain. Ventura County has lived through a decade of catastrophic fire — and we have been representing its policyholders through every one of them.

Call (818) 905-6800 Free Consultation

Licensed in California

Since 1972

No Upfront Fees

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Ventura County

Public adjusting for Ventura County policyholders

Ventura County is a thirty-minute drive from our Encino office, and our Claims Manager grew up here. We know the county the way its residents do: the ranch and avocado country around Santa Paula and Somis, the hillside neighborhoods of Ventura and Ojai, the master-planned communities of Thousand Oaks and Newbury Park, the older tracts of Simi Valley, and the coastal plain from Camarillo to Oxnard.

Since 2017 this county has absorbed more catastrophic wildfire per capita than almost anywhere in California, and the insurance consequences — non-renewals, FAIR Plan policies, disputed rebuild costs — have followed. Our job is to make sure that when a Ventura County family or business files a claim, the policy is enforced as written and the loss is paid in full.

Claims Manager Manny Dinglas grew up in Ventura County and adjusted claims for Mercury, State Farm, AAA of Southern California and Ameriprise before joining Metropolitan Adjustment Bureau.

Communities we serve in Ventura County

Thousand Oaks
Simi Valley
Oxnard
Ventura
Camarillo
Moorpark
Santa Paula
Fillmore
Ojai
Port Hueneme
Newbury Park
Westlake Village
Oak Park
Somis
Piru
Oak View
Casitas Springs
Bell Canyon

Local Risks

What damages Ventura County properties — and how those claims go wrong

Wildfire — Thomas, Woolsey, Hill, Maria and Mountain

The Thomas Fire (December 2017) burned nearly 282,000 acres and destroyed more than a thousand structures in Ventura, Santa Paula, Ojai and Fillmore — at the time the largest fire in modern California history. Eleven months later the Woolsey and Hill fires hit Thousand Oaks, Oak Park, Westlake and Camarillo Springs on the same day. The Maria Fire (2019) burned above Santa Paula and Somis, and the Mountain Fire (November 2024) destroyed roughly 240 homes around Camarillo, Somis and Moorpark in a single wind-driven afternoon. Ventura County fire claims routinely involve underinsured dwellings, agricultural structures and equipment, well and septic systems, orchard and landscape losses, and additional living expenses in a tight rental market.

Fire Damage Claims

Flooding, debris flow and storm damage

The burn scars left by those fires set up the next hazard. The January 2023 storms flooded the Ventura River and closed Highway 101; the February 2024 atmospheric rivers brought mudslides to Ojai, Casitas Springs and the Conejo Grade. Debris-flow and flood losses trigger the most contested exclusions in property insurance — flood, earth movement, surface water — and whether a covered cause applies is a policy-language question we answer with evidence, not the carrier's assumption.

Water Damage Claims

Wind damage from the Santa Anas and sundowners

The same winds that drive Ventura County's fires also strip roofs, topple trees and blow rain into homes from Simi Valley to Ojai. Wind-damage claims are frequently reduced to 'wear and tear' by carriers; we document storm-caused damage with inspection findings and local wind data.

Wind & Storm Damage

Earthquake

Simi Valley and Fillmore were among the communities most damaged by the 1994 Northridge earthquake. Earthquake policies carry high deductibles and narrow definitions of covered damage; a full structural scope is the only way to make sure the deductible is applied against the real loss.

Earthquake Claims

Agricultural, ranch and commercial losses

Ventura County's economy runs on agriculture, the Port of Hueneme, Naval Base Ventura County and the biotech and manufacturing corridor along the 101. Claims for packing houses, cold storage, barns, greenhouses, equipment and crop-related structures require adjusters who understand how those assets are valued — and how business-interruption coverage applies to a seasonal operation.

Commercial Claims

Insurance in Ventura County after a decade of fire

Ventura County has seen some of the highest non-renewal rates in the state. Homeowners in Ojai, the Ventura hillsides, Bell Canyon, Oak Park and the Santa Paula and Somis ranch country have been pushed onto the California FAIR Plan in large numbers — often with dwelling limits that don't reflect what it costs to rebuild here after a countywide disaster drives up labor and material prices.

After the Mountain Fire the Insurance Commissioner issued a moratorium on non-renewals in affected ZIP codes, and California's claims regulations set firm deadlines: acknowledgment within 15 days, a decision within 40 days of proof of claim. We use those rules to keep carriers moving, but the settlement itself is decided by documentation — the scope of damage, the cost to rebuild to current Ventura County code, the contents inventory and the real duration of displacement.

We have represented Ventura County policyholders through Thomas, Woolsey, Hill, Maria and Mountain. That history means we know the local carriers' positions before they take them.

Our Services

Claim services in Ventura County

01Fire Damage ClaimsComprehensive fire damage assessment and claim management for residential and commercial properties.02Water Damage ClaimsExpert handling of water, plumbing, and flood damage insurance claims.03Earthquake ClaimsSpecialized earthquake damage assessment and insurance claim negotiation.04Wind & Storm DamageWind, hurricane, and tornado damage claim management and settlement negotiation.05Theft & VandalismProperty theft and vandalism insurance claim documentation and recovery.06Residential ClaimsComplete home damage claim management for homeowners, from single-family homes to condos and apartments.07Commercial ClaimsLarge-scale commercial property damage claims including business interruption.

FAQ

Ventura County claim questions

Yes. Total-loss and smoke-damage claims from the November 2024 Mountain Fire in Camarillo, Somis and Moorpark are ongoing — rebuild costs are coming in above carrier estimates, contents inventories are being disputed and additional-living-expense periods are running out. We take these claims at any stage, including after a partial payment.

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“Through the entire process, the ongoing support and responsiveness of your entire staff that resulted in the negotiations of a fair, speedy and equitable resolution with our insurance carrier, more than justified your fee. Kindly accept our thanks for the great services rendered to our firm.”

Mayer Separzadeh

Property damage in Ventura County?
Talk to us before you settle.

Free policy review and claim consultation. No upfront fees — we are paid only from what we recover for you.

Call (818) 905-6800

Nearby service areas

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