Hi everyone,

I’m Isaac, a licensed public adjuster based in Los Angeles. For anyone unfamiliar, a public adjuster works on behalf of property owners (not the insurance company) to help document, value, and negotiate insurance claims after damage like fire, water, smoke, or storms.

I joined BiggerPockets because insurance has become one of the biggest moving pieces for investors here in Southern California. Between the wildfires, carriers pulling back or non-renewing policies, more owners landing on the FAIR Plan, and premiums climbing, it’s affecting deal numbers and how people protect their properties.

I’d love to connect with investors, agents, lenders, and property managers in LA and beyond. Some things I’m always glad to talk through:

• What to do (and what to avoid) in the first few days after a loss

• How to read your policy so there are no surprises when you need it

• Common reasons claims get underpaid or delayed

• How insurance trends may affect LA rentals and acquisitions going forward

Question for the group: Has insurance changed how you underwrite deals or which areas you’re willing to buy in? And if you’ve been through a claim on a rental, what do you wish you’d known beforehand?

Feel free to reply here or send me a connection request. Always happy to be a resource.