Insurance Coverage During Civil Unrest: Expert Guidance from Shield Public Adjusters By Nikolay Zubyan, Senior Property Public Adjuster and Founder of Shield Public Adjusters In my two decades of experience handling property insurance claims, I’ve witnessed firsthand how civil unrest,…
Does Homeowners Insurance Cover Water Damage? After more than 25 years working in the construction, restoration, and insurance industries, I’ve seen countless homeowners face the devastating effects of water damage. The question I hear most often is: “Does homeowners insurance…
Public Adjuster vs Restoration Contractor: Understanding Their Roles When disaster damages your home or business, the insurance claims process can quickly become overwhelming. Understanding the distinct roles of public adjusters and restoration contractors is crucial for a successful recovery. This…
Insurance Adjuster vs Public Adjuster: What’s the Real Difference? After helping hundreds of California homeowners navigate complex insurance claims over my 25+ years in the industry, I’ve noticed one question comes up repeatedly: “What’s the difference between an insurance adjuster…
The Ultimate Guide to Water Damage Restoration After helping hundreds of California homeowners recover from water disasters, I’ve seen firsthand how devastating water damage can be. I’m Nikolay Zubyan from Shield Public Adjusters, and I want to share what I’ve…
Top California Public Adjuster Tips for Maximizing Your Insurance Claim Introduction from Nikolay Zubyan, Senior Public Adjuster I’ve walked thousands of properties, stood with families after disasters, and negotiated with nearly every major insurance company in California. Through these experiences,…
Determining How Much Homeowner Insurance Coverage You Need If you’re asking yourself, How much homeowner insurance coverage do I need? This guide is for you. We’ll discuss essential topics like how to calculate your dwelling coverage, personal property coverage, and…
Is a Slab Leak Covered by Insurance? What Homeowners Need to Know Is a slab leak covered by insurance? It depends on your policy and the cause. This article will explain when homeowner’s insurance covers slab leaks and what factors…
California FAIR Insurance: An Insider’s Guide to Coverage and Claims By Nikolay Zubyan, Founder of Shield Public Adjusters After 25 years as a licensed contractor and 15 years as a public adjuster, I’ve seen firsthand how the California FAIR Plan…
Replacement Cost versus Actual Cash Value: Which Coverage Is Best for You? Deciding between actual cash value vs replacement cost for your homeowners insurance? This article breaks down the key differences, helping you understand which coverage best suits your needs….