California E&S Insurance

Speaking from hurricane country, the best way to negotiate a settlement is to hire your own independent adjuster, and have them work with the insurance company.  They will contract for a percentage of the payout, so they are incentivized foe it to be as high as possible. My Dad did this with Hurricane Ian in Fort Myers.  The guy came in from Louisiana, and contracted for 20% of the settlement.  His house wasn't a total loss, but there was significant water in the house.  AFAIK, Dad was satisfied with the insurance payout.  If your friend's Mom thinks it will be 50% more to rebuild, it could be worth the difference, *if* she has a replacement cost rider on her policy.  Otherwise, she may be SOL.

{
  "thread_title": "Advice for LA Fire Insurance Settlement",
  "scrape_method": "beautifulsoup"
}