Thanks Tony & Company for all your expertise in representing us! You guys are fantastic. Hopefully we will never need you again, but if we do, you're in!!!!
To whom this may concern:We had a catastrophic fire of our Home and Business On April29th 2015.
We knew we needed a professional to work on our behalf … In spite of the overbearing competitor and his false statements we chose Tony Astone with IPA . Tony was perfect! Within no time he secured a much, much larger payment for the structure than the insurance going to pay. Then he had a forensic CPA intercede and collect all of our Business interruption payments for a year and a half. We never could have figured the formula for that. The contents portion was on a format of excel that he got the max for the policy for us by hiring additional staff to take us step by step.
But most of all the patience he has shown us throughout the rebuilding process with county government, getting Payments right to the building permit from the insurance Would not have been possible. In summation in this day and age with these insurance. the need for a private adjuster is more important than ever and for a commercial Fire immediately.
Tony knows the ins and outs of the accounting and claims business and is the professional you need on your side.
Don and Barbara Stutzman
Union Hill Inn LLC
September 13, 2016Dear Steve and Tony,
This letter is to personally thank you for all the hard work and the excellent results that you achieved for my claim. When I first met with Steve I didn’t think that I needed your services. When I met with the insurance adjuster and he started throwing around a ridiculously low number for my fire repairs to my home I knew I was in trouble. Tony took quick action and cleaned up the mess and ultimately got me about $100,000 more than I would have received with the help of IPA. You also did an excellent job on the contents settlement and the service was top notch!
I would recommend IPA to anyone who has a large fire at their home. Don’t listen to all the BS insurance commercials. Any of you clients can call me any time if they do not believe me.
June 13, 2016IPA
5183 Lone Tree Way
Antioch, CA 94531
Dear Gerald & Tony,
I just wanted to send you this brief letter to Thank you for your services.
After the fire damaged my Motel in San Francisco, the adjuster came out to inspect the damage and she told me that it would cost about $50k to do the repairs. As soon as she said that to me I knew that I needed help so I called Gerald who I had previously met with from IPA.
As soon as Tony got involved my insurance company transferred the claim to a new adjuster. After the first meeting Tony had with the insurance adjuster, the offer for the repairs was $202,000. Tony met with the adjuster a second time and the claim settled for $286,000. Not only did you come thru for the building settlement, you and your Accountant (Amber) also battled my insurance company over the loss of rents. The loss of rents calculation from the insurance company was ridiculously low and they only wanted to pay me for four months. Tony and Amber worked together to get me 7 months of loss of rents at a much higher monthly amount compared to what was originally calculated by my insurance.
Thanks again for the great work and I would recommend IPA to anyone who has a large property insurance claim.
February 12, 2016Independence Public Adjusters, Inc.
5183 Lone Tree Way
Antioch, CA 94531
Dear Tony and Steve,
When my rental home caught on fire, my insurance company offered me $85,000 for the damage. I am not a general contractor, but just by looking at the damage, their estimate seemed low to me. When I first met Steve after the fire happened, I turned down your services which I later found out was a huge mistake. When I was faced with accepting what seemed to be a low offer from my insurance company, I decided to call Steve for help.
From the moment I hired IPA my problems started to go away. Tony reviewed the estimate for $85k and found the errors and omissions in no time. He met with my adjuster and got him to add another $40,000 within two weeks after I hired you. He also fought for an extended period for my rental income loss and he prevailed.
I cannot say enough good things about IPA. Not only did you guys get the results, but the service was excellent. I never felt like I had to call Tony for an update because he was always first to call me with an update. When I did call him, he actually answered the phone, even at night time. I would strongly recommend that anyone who reds this letter that has suffered fire damage to their real or personal property hire IPA immediately. Don wait to hire IPA like I did. It was a huge mistake.
This is just a quick letter to let you know much I appreciate you and William.Not only did you get me an amazing settlement, you also took on and won the battle with my insurance company. Instead of repairing my home from the fire damage, I decided to sell it as is and I thought that since I didn’t do the repairs that I would lose the refundable depreciation. When I explained this to you, you told me that there was a court case in the State of California where the courts ruled that an Insured could collect the refundable depreciation if he/she “purchased” a home of similar quality and usage. When I provide you with the paper work of the two properties that I purchased you submitted it to the insurance company to make claim for the $21,000 in refundable depreciation. My insurance denied our claim because they said I could only apply the depreciation claim to the purchase of a single home. You reviewed the policy and concluded it was silent to this situation and that in your opinion the denial was in error. You drafted an excellent letter stating our case. They hired an Attorney to review the matter and within 2 weeks they concluded that you were right and they refunded my $21,000.
I never could have known about this insurance stuff without your professional guidance. I would have gotten screwed if it weren’t for you. Not to mention, the settlement that you obtained was grand slam. If I ever have another fire claim you will be the first person that I call and I will refer you to anyone who has a fire claim. Thanks again for the excellent job and the great service!
Joel Guzman 209-513-5506
April 14, 2014Dear Tony & Paula
I wanted to take a moment to express my sincere appreciation for the way you handled all aspects of my parent’s insurance claim.
The day I learned of the fire to my parent’s house in Modesto was one of the worst days of my life. I flew home from Florida to be with my Mother, who was recuperating in the Hospital, as a result of the fire and to attended to my elder father. I found myself overwhelmed with the whole ordeal and the thought of having to deal with the insurance claim made matters worse. That’s when I met Paula and she explained your services.
Hiring Independence Public Adjusters was one of the best decisions I have ever made. As soon as Tony took over the claim I took instance notice of how promises became reality. He took complete control of the claim and handled all of the settlement negotiations. He found pockets of coverage that I never would have known about. Also, he recovered every penny we were owed and I never had to call him for updates because he always kept me informed on the phone and copied me on all e-mails he wrote to the insurance adjuster and others involved with our claim. Thanks to IPA not only did not have to deal with the insurance matters, but I knew that our recovery was much higher than it would have been had I tried to settle our claim on my own.
Thank you Paula for finding me in my time of need and thank you Tony for your professionalism and total attention to detail at all times. I will always be appreciative of IPA and would refer you to anyone that had a large property insurance claim.
July 21, 2015
I have said this before but I just want to put in writing how I really feel.
As you know, July 29, 2014 was a very tragic day for my wife and me, as we lost our entire home of 27 years and everything in it along with the treasured things we had of our 47 years of marriage. At our age of 80's, we were devastated and I must say lost.
But God was watching over us and provided the necessary help we needed. The day of the fire, a gentleman introduced himself to us as Will Welsome from Independence Public Adjusters (IPA) and explained his position. In listening to him, it brought back memories of my years as an insurance agent in the 1950's to the early 1970's. I had an insurance agency with the same insurance company we had on our house and still have it.
I knew from past experience that insurance company adjusters work for the insurance company and that is where their loyalty lies and rightfully so. When William explained the services IPA provides, I knew that I needed someone to represent me. William then introduced me to you, the President of IPA. Through all of the preliminary things that had to be done, William was always there for us. When we finally located a temporary home, he came and took pictures of all the little defects in the temporary housing so we would have proof that the defects were there when we moved in and would not be charged for things that we weren't responsible for.
After the fire, you sent a whole crew to estimate the damages to the house and inventoried everything, and I mean everything, that was in the house. There have been many situations that we have run into to where we had no idea what to do, but you were always there to guide us and inform us. You have been responsible for the insurance company paying for things that I would have had to fight for. As an example, the inventory from my insurance company for my belongings was way lower than the estimate completed by IPA. There were over a hundred items they missed that IPA was able to claim and which we ultimately got paid for, not to mention all the additional items you were able to get for the repair of our home that were originally not offered. That's the type of performance that you and IPA have done for us.
I have already had the opportunity to recommend IPA to a gentleman who lost his house in a fire the 4th of July. In the future I will never hesitate to recommend you and your entire staff to anyone in need of a public adjuster. In every case, always remember that an insurance company adjuster works for the insurance company, but a public adjuster works for the home owner. Also, there are good and there are bad public adjusters, but Tony, you and your staff at IPA are the BEST.
Lyman and Lois Vonhof
1136 Bleu Chapelle Ct.
Hi my name is Zenaida Zendejas. My rental property got burn. At the beginning I wasn’t sure who to hire to take care of my claim. At the end I decided to hire Independence Public Adjusters. I will not lie to you I had an excellent experience. IPA help me in everything I didn’t have to do anything. They were always there to answer all my questions. They help me get more money than what the insurance offer me to fix my house. I do recommend IPA, you will not regret if you hire them. IPA is a company that know what they are doing and they always help you. I am very satisfied with their service and that is why I do recommend them.
April 14, 2014
Dear Tony & Paula,
I wanted to take a moment to express my sincere appreciation for the way you handled all aspects of my parent’s insurance claim.
The day I learned of the fire at my parent’s house in Modesto was one of the worst days of my life. I flew home from Florida to be with my Mother who was recuperating in the hospital from injuries suffered from the fire and to be with my father. I found myself overwhelmed with the whole ordeal and the thought of having to deal with the insurance made matters worse. That’s when I met Paula and she explained to me your services.
Hiring Independence Public Adjusters was one of the best decisions I have ever made. As soon as Tony took over the claim, I took instance notice of how promises became reality. He took complete control of the claim and handled all of the settlement negotiations. He also found pockets of coverage that I never would have known about. He recovered every penny we were owed and I never had to call him for any updates because he always kept me informed on the phone and copied me on all the e-mails he wrote to the adjusters and others involved with our claim. Thanks to IPA, not only did I not have to deal with the insurance matters, but it allowed me the time I needed to spend with my parent’s. I also know for a fact that our recovery was much higher than if I would have tried to settle the claim on my own.
Thank you Paula for finding me in my time of need and thank you Tony for your professionalism and total attention to detail at all times. I will always be appreciative to IPA and would refer you to anyone who has had a large property insurance claim.
January 24, 2014
To whom it may concern,
On Sept. 15, 2013, we had a fire at our home, which totaled my Garage and Laundry Room. Upon getting home to view the damage, I was met at my car by a person from a Restoration Company. He wanted me to sign this and that before I could even think about anything. A neighbor put us into contact with Steve from IPA right away. He told me to wait and think my options through. Steve told me what he does and represents with IPA. I felt comfortable with him not rushing me into a decision. The next day, my wife and I met with Steve and Tony. I was really impressed with their knowledge and experience. We signed with them, and it was the best decision that we made for our claim. Tony, took over the claim, and hit the ground running! He took care of everything and kept us informed of all things via email, texts and phone. He was able to get us an advance for living expenses and a place to stay right away. Tony was able to get us all that we were entitled to. My wife and I absolutely recommend IPA to anyone that is in need of some experts to work their claim.
Thank you IPA.
Robert & Tracie Hill
May 2, 2014
Prior to your involvement in my fire claim I was getting nowhere with the adjuster. I'm so glad that I met Paula and she told me about what you do because I had never heard of a Public Adjuster.
As soon as you became involved with my claim instant progress began to happen. Within a week of hiring Independence Public Adjusters I received checks for the full recovery of my contents. In a short time later we received a check for the structure damage based on our adjusters estimate, but it was not enough. You took the time to meet with the adjuster (despite his resistance) and you were able to get us another substantial check to cover all the structure damage as well as the code.
My family and I really appreciate everything that you did to help us with our claim and we are so thankful that we decided to retain your services. I was extremely pleased with the settlement thanks to you and the service was outstanding as well. I wish everyone would answer their phone like you when I would call....never had to leave a voice-mail message!
Virginia C. Romero &
Santos C. Romero
Independence Public Adjusters
Attn: Tony Astone
2977 Ygnacio Valley Rd #445
Walnut Creek, Ca 94598
I am writing this letter to personally thank you for the way in which you handled all aspects of our contents claim on a highly professional level.
Soon after the fire, we were bombarded with all sorts of people wanting to sell us their services. We were so turned off that we rejected everyone. About 6 weeks after the fire we met with Paula. She was really the first person we spoke to who was able to explain to us what we could expect from our insurance company and how your firm could help us not only to maximize our settlement and also deal with all the insurance matters so we would be free to live our busy lives. Long story short, you didn't just deliver......you hit the ball out of the park.
Our insurance company told us we were on our own when it came to documenting our loss. Your team quickly inspected our loss and then completed our total loss contents inventory. After you submitted our claim, the carrier cut about 25% of what what we claimed. Tony reviewed the cuts made by the carrier and he realized that they failed to comply with the California Department of Insurance regulations. He drafted a letter to our adjuster siting her errors and referring to the DOI regulations and within 3 weeks our carrier conceded to the error and issued a supplemental payment for $36,000 for the balance of our policy limits.
Looking back, we assumed our insurance company would be there for us like they all advertise. I have learned the hard way that this is not the way it works. Not only did you document/inventory our loss when the carrier refused to do so, you also went to battle for us, and you won the battle, when the carrier tried to low ball us. Hiring IPA was one of the best decisions me and and my family have ever made and we would highly recommend your services to anyone that has suffered a large fire loss.
Elisa E Simmons
I want to thank you and Steve and Tony for all your help during my claim. When my house was damaged by fire, I did not know what to expect from my insurance company. Hiring IPA to handle my claim was one of the best decisions
I have ever made.
Tony had a good handle on my claim at all times. When the insurance adjuster did not pay enough based on his first estimate, Tony met with him at the house and got him to come up substantially enough to get my house repaired. When I had issues with my general contractor, Tony stepped in and took care of it. He also handled all of the code and loss of rents. I was too busy with my work to deal with all these meetings and insurance matters and I felt very comfortable leaving these matters for Tony to deal with.
The end result is that my home is now repaired and it is absolutely beautiful. Without the help of the IPA team, we would have never had this good of an outcome and I am sure it would have taken two or three times longer to try and settle the claim if I had tried to do so on my own. I am so glad that I hired IPA and I would highly recommend them to anyone that has a large property claim.
Very Truly Yours,
Lorena Ruiz and Juan T Ruiz
To whom it may concern,
I, Tyler Chen, am writing to you in regards to Anthony Astone on December, 05 2013. I have had immense pleasure of being able to work with Mr. Astone and his Independent Public Adjusters in not only dealing with damages to my personal home property but that of my extended family. In working with him and communicating daily with him through email, text and phone calls, I can say with full confidence that Mr. Astone is one of the hardest working and prompt individual I know.
Mr. Astone is able to be professional and yet personable with his clients and is always quick to keep them updated on the situation and clearly inform them of any step that they are unsure of. He takes absolute care of his clients in making sure they are taken care of and their safety and lodging are handled before anything else.
During this year I have introduced many clients to Mr. Astone and have received nothing but praises and full satisfaction of his work, proficiency and dedication. There is no other person I would continue to recommend to my clients because I know full well that they are in more than capable hands.
Than Tai Fire & Flood Recovery
2114 Senter Road STE #1
San Jose, CA 95112
LETTER OF RECOMENDATION
I would like to express my appreciation for the service you provided. I have tried 3 different public adjuster companies before I found you. You helped me with 4 claims and all of them you handled with high level of professionalism. You successfully negotiated with insurance companies and got me the funds to complete projects without any delay.
I would recommend you to anyone who is looking for professional, honest and prompt service.
Gordon Grinblat, LLC Manager
Rancho Santa Fe Apartments
To any potential I.P.A. client:
I praise the day that Steve came into my house to introduce me to IPA. No only did they secure for me what was due on the insurance company; but they exceed my expectation in every way.Tony and Steve are A-1 professionals and awesome individuals; extremely helpful. I can't say good enough for IPA. It was heaven sent to me.
And I could keep on going........and going....... thank you!!!
Date: November 7, 2013To: Paula Borges - Independence Public Adjusters
I just wanted to take a moment to thank you, Tony, and everyone at Independence Public Adjusters (IPA) for the outstanding service you have provided me during this very difficult time. As you know, I had never heard of "public adjusters" before you contacted me. If it were not for your tenacity, confidence, patience and willingness to endure my endless questions, I never would have signed the contract to employ your services. I now know that hiring IPA is the smartest thing anyone could and should do, if a significant loss occurs that requires negotiation with insurance companies.
IPA's experienced and knowledgeable professionals have handled everything. I can't express to you what a huge relief it is to let someone else deal with the research, meetings, telephone calls and negotiations to represent my best interests and to obtain every dollar I am entitled to from my policy.
My insurance agent really was wonderful. However, he does work for the insurance company and his job is to represent the company's interest and limit the amount paid out to clients. It simply makes sense that a person would want someone equally as knowledgeable in these matters, and capable of scouring the fine print of complex policies and understanding them, to be representing my interests and me.
Tony has been there, day or night; to answer any questions I have had, and has went the extra mile to help me through the process and to deal with everything. He is amazing. I have had to do virtually nothing since hiring IPA!
I have no doubt that without IPA's assistance; I would have left tens of thousands of dollars on the table without even knowing it. Money that can go a long way to help replace things that have been lost forever.
Again, thank you!
May 17, 2013
To whom it may concern:
I was under the false impression that my insurance companies had my best interest at heart. With over 25 years of paying premiums and no claims when I did need them (Fire loss) they were slow, none responsive and inadequate. IPA’s team of professional’s (Paula B., Tony A. and Steve) insurance adjusters came in and handled everything for me. They fought for me and made sure that I got what I deserved from my insurance company. They developed a comprehensive appraisal of loss and the adequately identified the resources I needed to properly mitigate loss. They didn’t let some insurance executive in another state develop what thought I should get based on some bonus formula for the executive.
Thank You IPA for coming to my rescue and helping navigate through the confusing waters of insurance industry. I would definitely recommend IPA (Paula, Tony and Steve) to anyone going thru the insurance loss process you will not be sorry you did! They do have your best interest at heart.
Special Thanks!!! Tony Astone he’s is a dependable team player. He’s good judgment and mature outlook ensured a logical and practical result for me I can’t thank him enough.
December 10, 2013
To whom it may concern,
This is a brief, but strong, reference and recommendation for Tony Astone and Independence Public Adjustors, Inc.
In February, 2013, we suffered major damage and loss at our home. Unfortunately, our insurance company proved to be extremely hard-nosed and unreasonable. They had little interest in cooperating with me and no interest in reimbursing the required full replacement cost of our damage ( approximately $200 thousand). In fact, after exhausting all effort on my part and on the part of my general contractor, I was only able to secure about 15% of the replacement cost.
After learning about Tony and his company, I immediately signed him on to help me. Best move I could have made! Tony jumped in aggressively with the insurance company. He was professional and relentless. Long and short of it, Tony secured the full replacement cost for us. I could not have gotten anywhere near 100% without Tony.
In my opinion, Tony is the guy you want on your team. In my years of business, I was CEO of a $600 million corporation. I know good, effective people, and, based on my experience, Tony is one of those. Tony exceeded my expectations.
After our Church was vandalized, we spent over two months trying to get our insurance company to pay our claim. Our adjuster kept making excuses why he couldn't pay the claim and eventually it got so bad that he would not answer his phone or return our calls. That's when we decided to hire Independence Public Adjusters.
From the moment we hired IPA, I felt like a huge weight had been lifted off my shoulders. As soon as we first met with Tony Astone he explained his assessment of our loss and his game plan to quickly get our claim resolved. From that moment on I felt like I could go back to my duties as Pastor of the Church instead of having to dedicate all my time to trying to get my insurance company to pay our claim so we could repair the Church.
Within six week of hiring IPA we received a settlement of over 4 times the amount that our insurance company reserved our claim at. Mr. Astone continuously kept me up to date, he always answered his phone, he explained in detail what was happening and in the end he delivered everything he promised. We could not be happier with the results we obtained from IPA and we would strongly recommend them to anyone that had a large property loss. Our
only regret was that we did not hire them earlier.
Pastor Deborah and Eslie Simmons,
South Sacramento Christian Center Church
7710 Stockton Blvd., Sacramento, CA 95823
April 12, 2013
IPA Independent Public Adjusters
2977 Ygnacio Valley Rd #445
Walnut Creek, CA 94598
Atten: Steve Boydstun, VP
I want to thank you for the great service I have received in handling our fire claim in Livermore. Before I hired your services, I was having nothing but problems with the insurance claim and possible coverage issue. Months went by with no coverage determination or indemnifications. After we hired IPA, the insurance company took notice right away. IPA thoroughly investigated the facts surrounding my claim, stated their position that my claim was covered under the policy. Within 6 weeks of hiring IPA the coverage issue was resolved and I received checks from my carrier to cover my entire loss.
I would recommend IPA Independent Public Adjusters to anyone having problems with payment and resolution of insurance claim matters. Only regret I have is that I didn’t hire IPA in the beginning. They helped me bring my claim from under $30,000 to over $100,000.00 in damages. IPA….doing it right!
Dear Tony and Anthony,
We would like to express our sincerest appreciation to you and your team at Independence Public Adjusters for serving as our representative during the process of claiming reimbursement from the fire insurance company.
When Anthony Pastor first approached us about hiring IPA we were not sure if it was a good idea, but now that we have experienced what you do it was one of the best decisions we have ever made. Thanks to IPA we were able to recover all of the benefits of our policy.
My wife and I suffered from the loss of our rental property from fire that happened in Mid September this year. We did not know what's going to happen and how we were going to deal with our fire insurance to get it over. We were very frustrated and worried at that time. It was fortunate that we met you and Anthony during our most difficult time.
You and your staff's professional knowledge and positive attitude helped us claimed the maximum benefits from the insurance company. Every time when there are issues come up, you are always there to deal with the fire insurance to get them resolve. You always kept me informed and you called me and not me calling you all the time. The most important thing I want to mention is that we barely have to take off from work with your help during the whole process. This was very helpful especially me and my wife who work full time and have a child that we need to take care of.
Thank you again and I hope you could continue to share your abilities to others in need.
Mr. and Mrs. Kenny Chan