The five largest home insurers closed more than 44% of claims resolved in 2025 with no payment — up from 36% a decade earlier.1

Now more than ever, you need someone on your side who knows how insurance works — and that's a public insurance adjuster.

I work for you, not your insurance company. I review your policy, document your loss, and negotiate your claim.

Claims closed with no payment
A decade earlier 36%
2025 44%+

Five largest home insurers, as a group. Bars share a 0–100% scale; 2025 is shown at the reported 44% threshold. The Wall Street Journal, May 2026.

Sources & what “no payment” means

The Wall Street Journal’s analysis of NAIC filings reports the five-largest-insurer comparison above. “No payment” is not the same as a denial; it can also include losses below a deductible, duplicate claims and other closures.

Separately, Weiss Ratings (April 16, 2026) identified 15 large U.S. home insurers that closed at least half of claims with no payment in 2025. Its carrier group is different from the five-insurer comparison above.

Every filed claim — paid or not — gets logged in LexisNexis C.L.U.E., the database underwriters use to raise premiums, drop tiers, and non-renew policies.

See how a claim actually works ↓
Free second opinion No fee unless the carrier pays you Specializing in Ventura and Santa Barbara counties CA Public Adjuster License #2M45606 Jordan L. Eller License #4005444

Insurance claim tools

Free tools that work whether you call me or not.

Six free tools. No login. No spam. Just answers.

Instant · CAL FIRE data

🔥 Fire Risk Score

Type your address. See your property's official Fire Hazard Severity Zone in seconds.

Check my zone →

2-minute quiz

📋 Should I file a claim?

Decide whether to file based on damage type, estimated loss, deductible, and policy.

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Free tool

🔍 Denial Letter Decoder

Paste your denial letter. Get plain-English translation and appeal options.

Decode a denial →

First 72 hours

🚒 Fire & smoke checklist

Step-by-step documentation in the first 72 hours after fire or smoke damage.

Fire checklist →

First 72 hours

💧 Water damage checklist

What to do immediately after a pipe burst, leak, or flood. Avoid claim-killing mistakes.

Water checklist →

First 72 hours

💨 Wind / storm checklist

Document wind damage to roof, siding, fences, and outbuildings before cleanup.

Wind checklist →

All six tools at /tools/ · or call Jordan directly at 805-252-7742

How a claim actually works

The insurance claim process.

When the claim opens

You are responsible for:

prompt notice of loss · ACORD forms · documenting the cause · preserving evidence · preventing further damage · reading and understanding your policy · meeting all deadlines and conditions · cooperating with the insurance company's investigation

With me on the claim:

policy analysis · coverage determination · endorsement review · deductible analysis · notice of loss · ACORD forms · loss-producing occurrence documentation

Experts I bring in: attorneys for policy interpretation disputes · public records researchers for fire department reports, weather records, and building permits

During damage assessment

You are responsible for:

documenting every item of damage · proving the cause · proving the scope · proving the value · contents inventory room-by-room · photos and video · mitigation receipts · ALE tracking · sworn proof of loss

With me on the claim:

scope of loss · contents inventory · ALE worksheets · sworn proof of loss · mitigation documentation

Experts I bring in: cause and origin investigators · structural engineers · industrial hygienists · moisture and thermal imaging techs · asbestos and lead clearance testing

At the inspection

You are responsible for:

meeting the insurance company's adjuster · walking the property with them · pointing out everything they miss · answering questions on the record · not saying anything that limits coverage

With me on the claim:

field inspection oversight · independent Xactimate estimate · line-item walkthrough · independent photo and video log · adjuster meeting · expert coordination

Experts I bring in: independent Xactimate estimators · forensic photographers · drone operators · roofing specialists

During estimate review

You are responsible for:

reviewing the estimate · disputing missing line items · disputing depreciation · disputing pricing · understanding what holdback means · understanding ACV vs. RCV · requesting supplements when more damage appears

With me on the claim:

estimate audit · code upgrade analysis · depreciation recovery · supplemental claims · holdback release · reserve analysis · matching · overhead and profit · sales tax

Experts I bring in: forensic accountants for business income and loss of rents · code consultants for ordinance or law coverage · matching specialists (siding, roofing, flooring) · independent Xactimate estimators

At settlement

You are responsible for:

accepting or rejecting the offer · understanding what you're signing · invoking appraisal if needed · selecting an umpire · documenting bad faith · proving business interruption · proving loss of rents

With me on the claim:

scope disputes · pricing disputes · appraisal demand · umpire selection · bad-faith documentation · ordinance or law · business interruption · loss of rents · extra expense

Experts I bring in: appraisers for invoking appraisal · umpires · attorneys for bad-faith analysis or coverage litigation referral

Through rebuild and closeout

You are responsible for:

hiring contractors · pulling permits · managing draws · auditing invoices · recovering depreciation when work is done · closing the file properly

With me on the claim:

draw schedule oversight · invoice audits · recoverable depreciation · policy closeout · final release review

Experts I bring in: licensed contractors · permit expediters

Insurance companies have adjusters. So should you.

Commercial properties too

Commercial properties too.

Restaurants · apartments · HOAs · industrial · retail · mixed-use · office.

What changes for commercial: business income · extra expense · loss of rents · builder's risk · equipment breakdown · leasehold improvements · dependent property · contingent business interruption · co-insurance · agreed value · margin clauses · ALE for tenants.

Meet your negotiator

The adjuster on your side of the table.

I'm Jordan L. Eller. Before I became a public adjuster, I spent more than 20 years on the property side of the table — running a mid-sized mortgage company, originating loans, and managing a ~200-unit rental portfolio. I've seen how claims play out from the lender's chair, the landlord's chair, and the owner's chair. That's the experience I bring to your file.

I work for policyholders — homeowners and businesses — not insurance companies. My job is to look at your claim from your side of the table and negotiate the carrier toward a fair, fully documented settlement. I'm also a licensed California Real Estate Broker, which helps when a loss involves valuation, repair scope, or anything that touches the property's bigger picture.

License & disclosure. California Public Adjuster License #2M45606 (SOS Public Adjusters, DBA of SOS Environmental, LLC) and individual license #4005444. Both licenses are active in the California Department of Insurance license portal. California public adjusters use approved written contracts and provide required disclosures before representation begins.

I read every line of your policy.

Most claims get underpaid because nobody reads the endorsements, exclusions, and deadlines. I do — before I write a single number.

I write the estimate the carrier respects.

Independent Xactimate scope, line by line, with the same software the carrier's adjuster uses. Different side of the table, same math.

I keep showing up.

Phone calls, supplements, code items, appraisal panel if it comes to that. Through the close of the claim — not just the open.

Questions

Questions I get a lot.

What does a public adjuster actually do?

Your insurance company sends an adjuster who works for them. A public adjuster does the same job — reviews the policy, scopes the damage, writes the estimate, negotiates the settlement — but works for you, the property owner. California licenses public adjusters separately from carrier adjusters under the Department of Insurance.

How do I pay you?

I work on a contingency fee — a percentage of what the carrier pays on the claim after I'm engaged. If the carrier doesn't pay, I don't get paid. The exact percentage is set in a written contract approved by the California Department of Insurance, and the fee, scope of work, and your right to cancel are all disclosed up front before you sign anything.

When should I call you?

As early as possible after a property loss — ideally before you've taken the first payment or signed off on the carrier's estimate. I can also step in mid-claim if the estimate feels low, the file's gone quiet, or you're not sure what to do next. There's no charge to look it over.

Can you help if my claim is already open?

Often, yes. I'll review what's been documented, what's been paid, what's been denied, and what's missing. If there's room to supplement the claim with additional scope, code items, or contents, I'll tell you. If the carrier's number is already fair, I'll tell you that too.

What if my carrier already denied the claim?

A denial isn't always the end. I'll read the denial letter against the policy language and the facts of the loss to see whether it's based on a coverage issue, a documentation issue, or both. Many denied claims can be reopened with the right evidence; some can't, and I'll be straight with you about which is which.

What should I send for a free second opinion?

Whatever you've got: claim number, policy declarations page, the carrier's estimate, photos of the damage, any denial or payment letters, contractor estimates, and a short note on what happened. The more I can see, the more useful the review.

Why property owners work with me

Credentials and client reviews.

The licenses and the experience that earn the conversation, and the voices of the people who've been through the claim with me.

20+ years property-side

I sat in the lender's, landlord's, and owner's chair before this one.

Managed roughly 200 units. Owned and ran a mid-sized mortgage company. I've seen what an under-paid claim does to a property owner, a rental portfolio, and a balance sheet — long before I started representing the insured.

Two California licenses, both active

Verifiable in the CDI portal in 30 seconds.

Public Adjuster License #2M45606. Jordan L. Eller Individual License #4005444. I also hold a California Real Estate Broker license. You can confirm any of these on the California Department of Insurance license portal.

First-person, every claim

I read your policy. I write the estimate. I show up.

No call center. No junior handing off to junior. Every conversation, every policy review, every estimate, every supplement, and every meeting on your claim is me. The first call is the same person as the last call.

What clients say

I've known Jordan for years. When my house burned down in the Thomas fire, he was just getting started as a public adjuster and stepped in to help me work through the contents and closeout side of my claim. He knew the policy, knew what to push back on, and knew what a fair settlement looked like. He's built a real practice since then, and if I had another loss tomorrow, he'd be my first call.

— Bruce M., Ventura (Thomas fire, 2017)

I brought Jordan a commercial property claim with three separate loss events, a disputed tenant surrender, and coverage questions across theft, vandalism, and vacancy. He worked through each piece with me, told me what the policy actually said, and gave me a straight read on how to handle the carrier. He's the one I want in my corner.

— Richard S., Lompoc (commercial property owner)

Real review coming soon. Collecting verified testimonials from clients this week.

— Client review pending

Google Business Profile in review — direct link coming soon.

Insurance companies have adjusters. So should you.

Your property deserves a second opinion.

A few minutes to send me what you've got. I'll tell you whether it's worth a deeper look — no cost, no commitment.

Coverage

Limits, exclusions, endorsements, deadlines.

Scope

Visible damage, hidden damage, code items, contents.

Estimate

Carrier pricing, omitted line items, depreciation, methodology.

Negotiation

Documentation, adjuster meetings, supplements, settlement.

805-252-7742

Include photos, estimates, carrier letters, and any deadlines so I can give the claim a careful second look.

Submitting this form does not create public adjuster representation. Representation requires a written agreement and required disclosures before engagement.