Don't Leave Money
on the Table
Free tools, plain-English guides, and licensed professional help for California homeowners navigating insurance claims after fire, flood, or disaster.
Leland Coontz III · CA Public Adjuster License #2B53445 · Serving all of California
How It Works
Whether you're filing your own claim or considering professional help, start here.
Use the Free Tools
Start with our personal property inventory tool — check off what you owned and download your list as a formatted Excel file.
Read the Guides
Our California-specific resources explain your rights, the claims process, and how to handle common insurer tactics.
Get Professional Help
If your claim is large or your insurer is giving you trouble, a licensed Public Adjuster can represent you and maximize your recovery.
Personal Property Inventory
3,750+ items organized by room. Check off what you owned, add quantities and values, and download a formatted Excel spreadsheet for your insurance claim — completely free.
- ✓Bathroom, kitchen, bedroom, garage and more
- ✓Collectibles, antiques, clothing, electronics
- ✓Small items most people forget (adds up fast)
- ✓Exports to Excel with 3 worksheets
- ✓Includes California policyholder tips
Coming Soon:
- 📸 Photo swipe — swipe yes/no on item photos
- 🏠 Address lookup — auto-detect your floor plan
- 🤖 AI Interview — guided room-by-room conversation
- 💬 Voice mode — talk through what you remember
- 📱 Mobile app — document your claim on the go
The goal: an AI that interviews you like a conversation — "What's your morning routine? What do you see first when you wake up?" — and slowly builds your complete inventory.
Free California Claim Resources
Plain-English guides written specifically for California policyholders. No jargon, no paywalls.
CA Rules & Regulations
Insurance Code 790 and Fair Claims Regulations — timelines, rights, and requirements your insurer must follow.
Read guide →
Frequently Asked Questions
30+ answers to the most common insurance claim questions — from depreciation to examinations under oath.
Read guide →
Understanding Your Policy
HO3 vs named peril, commercial vs residential, co-insurance, endorsements, and how to read your entire policy.
Read guide →
The Claims Process
Step-by-step guide from filing to settlement. Timelines, documentation, and what to expect.
Read guide →
Xactimate Estimates
Why Xactimate estimates are often low, controversial line items, and how to dispute underpayment.
Read guide →
Mold Losses
Ensuing loss doctrine, mold limits, and why the insurer's mold argument may be wrong.
Read guide →
Types of Claims
Fire, water, vandalism, vehicle impact, sewage, flood, smoke — guides for every type of loss.
Read guide →
Bad Faith Practices
Unreasonable delays, lowball offers, misrepresentation — California has strong bad faith remedies.
Read guide →
Insurance Appraisal
When you and the insurer disagree on value, appraisal is your right. How the ADR process works.
Read guide →
When the Insurer Has Their Adjuster, You Should Have Yours
I'm Leland Coontz III, a licensed California Public Adjuster (Lic. #2B53445). Insurance companies have teams of adjusters, lawyers, and software working to minimize your claim. A Public Adjuster works exclusively for you — reading your policy, documenting your loss, and negotiating on your behalf.
Most Public Adjusters work on contingency — no recovery, no fee. If I can't improve your settlement, you owe nothing. I also have a nationwide referral network for claims outside California or outside my preferred case types.
Leland Coontz III
Licensed Public Adjuster
CA Lic. #2B53445
California · All 50 States via Referral Network
Start Documenting Your Claim Today
The free inventory tool takes 30–60 minutes and can add thousands of dollars to your claim. Use it now, even if you haven't filed yet.