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Helping families rebuild

We are professional insurance claims negotiators.  We have a proven track record of getting fair and equitable settlement for our clients.

"Your Insurance Company Has An Adjuster. Shouldn’t You?"

At SOS Adjusters, we fight to get you the maximum settlement for your insurance claim. Don’t settle for less—let us handle the insurance company so you can focus on rebuilding and getting your life back on track.

📩 Get a Free Claim Review 

We advocate for our client's rights under their policy and strive to get a fair and equitable settlement on their behalf.

Some Client Success Stories

We have a 14 bedroom home in the mammoth area thats over 10,000 sq ft.  Our insurance carrier gave us $1,900 (after our $20,000 deductible) for our roof leak.  Further, they partially denied our claim due to 'excess wear and tear'  We engaged Chuck and SOS Public Adjusters.  He got the denial overturned and we have received to date over $180,000 and a new roof!  This took submitting over 9 appeals for us.  He never gave up...!  Chuck really saved the day for us.  

Sam & Patty

We had a home with a really bad water loss and a policy limit of $800K in coverage.  At first our carrier denied our claim entirely.  Then Chuck got involved and we ended up wtih over $3.2 million dollars on an $800K policy.  How he did that I have no idea but he got us a new home. 

Dan and Karen

My home was no closer than 10.5 miles from the fire Thomas Fires at any one point.  Yet we had smoke damage inside the home and worse, they tested for toxic chemicals and found them on my walls where the smoke had impacted.  This seemed improbable to me, yet the data didn't lie.  We received over $330,000 for our smoke damage claim and had all of the entire home santitized and cleaned, tested and returned to normal.  We are very thankful this was resolved in our favor. 

SOS Client

Why SOS is the Right Choice

Advocating for Policyholders, Not Insurance Companies

With decades of experience in Insurance Claims negotaition, our team at SOS Adjusters is dedicated to ensuring homeowners and businesses receive the full compensation they deserve. Unlike insurance companies that prioritize their bottom line, we work for YOU.

Need Help with recreating your lost contents? Try this..

The AI tool is live and fully functioning.  If you have any issues, please email sosadjusters@gmail.com

Disclaimer*  This AI based tool is provided at our cost and expense with no obligation whatsoever to you.  It is available free from non commercial use only.  Any insurance company or adjuster that wishes to use the tool please contact us at Our AI tool simplifies the process of recreating an inventory of lost belongings using photos you have of your rooms. Simply upload images of each room, one at a time, and let the AI generate a detailed inventory of the items for you. It can also help you complete your ‘proof of loss’ form and give you a ballpark idea of the overall replacement cost of your items, which is required by your insurance company to process your contents claim, making the entire process quicker and less stressful.

Why our clients choose SOS

Our clients are mostly accomplished professionals

If you’ve ever filed an insurance claim for your home or business, you’ve likely discovered that the insurance industry often speaks an entirely different language than the average person.

Insurance coverage is complex and multifaceted. Why should your insurance company have experts on their side while you don’t?

You’ve paid your premiums, and your policy contains a wide range of detailed and specific benefits. While some coverages are straightforward, others can be far more complicated. If you don’t fully understand how these coverages work together, how can you be certain you’re receiving a fair settlement?

Do you know how to interpret an Xactimate Statement of Loss? Are you familiar with recoverable depreciation and how it applies to your claim? Do you understand which coverages require you to seek reimbursement for expenses versus those that are paid upfront? Most importantly, do you trust your insurance company to pay you everything you’re entitled to under your policy?

Why Us?

01

Why should your insurance company have a claims expert and not you?

We are insurance claims professional negotiators (called public adjusters).  We only work against insurance companies to get a fair and equitable settlement for our clients.   We work on a success basis only, so you only incur a cost if we are successful in getting your claim paid.

03

Professional team/most experienced

Our team includes top experts in every aspect of insurance claims management. From forensic construction specialists and coverage analysts to attorneys, laboratories, industrial hygienists, and inspectors, we have the resources and expertise to address the unique needs of your claim. Each professional is brought in as needed to ensure a comprehensive approach to your case. Remember, it’s always advisable to consult with us before speaking to your insurance company. We will handle the entire process on your behalf, keeping you informed every step of the way.

02

25+ years of
claims Experience

I have been negotiating insurance claims since 1998, achieving countless success stories and recovering millions of dollars for our clients. With a proven track record backed by data, results, and significant recoveries, we have consistently succeeded where many others fall short.

04

overcoming obstacles

Navigating insurance claims often involves overcoming significant obstacles, from denied coverage to undervalued settlements. Our team excels at identifying and resolving these challenges, leveraging expert knowledge, strategic negotiation, and relentless advocacy. No matter the complexity of your claim, we work tirelessly to break through barriers and secure the outcome you deserve

Why choose us

overcoming claim denials

NEGOTIATING a fair deal

Ready to have your claim resolved?

We offer free no obligation, no cost claims evaluation. No catches, No strings. Just honest evaluation of your circumstances.

Free AI tool

Our AI tool will help you recreate an inventory of lost belongings from your photographs.  It is free to use provided and paid for by SOS Public Adjusters to help those in need.   While it strives for accuracy, the information provided may not be error-free. For personalized help or specific inquiries, please reach out directly

Insurance Disaster Chatbot

The AI tool is now fully functional and operating.  If you have issues please email us at sosadjusters@gmail.com

Use our AI tool to create an inventory list of lost items from photographs.

“Recreate Your Lost Inventory—Completely Free
Our AI tool can help you easily rebuild an inventory of your home’s contents using just your photographs. There’s absolutely no cost, no fees, and no registration required. You don’t need to provide any personal information.

We are providing this tool as our way of giving back to the community to support those in need.  

We’re here to help you move forward.  For instructions on how to use the tool see below.  If you have issues using it or just want to understand more, feel free to reach out and someone will assist you.

We deeply care about our community and want to be sure we can help all of those in need.  If you ever feel as though you are tired of fighting your insurance company, we can perhaps help.  We only work on behalf of individuals and busienesss who have insurance claims.  Never for the insurance companies.  We are licensed and bonded by the State of California CA license number #2M45606  you can always reach us at 805-380-6653 and we are happy to assist.

how to use the AI tool

Using the AI tool is simple and intuitive, and you’ll master it in no time. Here’s how to get started:

  1. Focus on one room at a time. Start with a specific room, like your living room. Upload one or two photos of the room that you want to recreate an inventory for.

  2. Upload your photos. Click on the paperclip icon, select the image(s) from your device, and upload them.

  3. Simply tell the AI what to do. After uploading, instruct the AI on your goals. You can type your instructions or use your voice by clicking the microphone icon. Speak to the AI as if you would speak to a person.  Don’t worry if your thoughts are out of order.  The AI will literally sort those out for you.  The more information you can get the AI to produce, the better.  For example, say:

    • “Recreate an inventory based on the items visible in the photograph.”
    • “Identify as many objects as possible, categorize them, list them in a table, and estimate their replacement costs, including sales tax and shipping.”
    • “Assume most items were purchased at [name of store or logical location].”
    • “Total the cost for each item and whatever you can find as a total cost” 
  4. Let the AI do the work. The AI will analyze the photos, identify the items, organize them into categories, and provide a detailed table of your inventory, complete with estimated costs.  You can download that output into an excel worksheet and then lieterally manipulate it on your own. 

The process is quick and efficient, making it easy to rebuild your inventory step by step.  *While the ability of the AI is amazing and it will surely shock you at what it can do, it will also frustrate you with some of hte small errors it will make.  Use the output as a starting point.  Remember, this is an artificial intelligence and the current state of AI is amazing, and evolving every day.  However it will make mistakes, do things differently at times for no reasonable explanation.    

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The AI can re create inventory, estimate an approximate replacement cost but it can do so much more.  Here are a few things you can do which will be helpful for you in managing your insurance claim. 

The AI can help you understand your insurance policy.  Upload your policy document and ask the AI about your coverage and what it covers and doesn’t cover. 

Ask the AI questions about insurance in general. 

 

You can type into the text box field, or simply speak to it by using the microphone icon.  Speak to the AI the way you would talk to a friendly expert that’s always on your side. 

Analyze the image I’ve uploaded to recreate an inventory of items lost in a fire. Identify as many items as possible and categorize them into logical groups, such as furniture, clothing, artwork, and miscellaneous items.

For each item, estimate a fair market replacement cost, assuming the items were purchased from Restoration Hardware or a similar store. Once priced, calculate the total replacement cost, including sales tax and shipping/handling based on my location in zip code 93010.

Finally, provide the total estimated value of the items shown in the photo(s) and present all the details clearly in a table.

Our team is here to help you

We have a highly experienced team of experts in multiple fields that relate to insurance coverage. 

Contact Us

We would love to speak with you.
Feel free to reach out using the below details.

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Ready to resolve your claim?

We happily provide a no cost, no nonsense claims evaluation with no obligation whatsoever.  Get a hold of us and let us tell you what we think about your claim.