When an insurer disputes, delays, or underpays your property damage claim — fire, water, smoke, or denied — you need someone who reads the policy as carefully as they do and represents your interests aggressively.
From fire and smoke to denied claims and CA FAIR Plan disputes — we manage the entire process on your behalf.
Full documentation and negotiation for structural damage, smoke infiltration, and total loss claims. We work to build the most thorough, well-supported claim possible.
Pipe bursts, slab leaks, storm flooding, and mold remediation claims — all properly scoped and documented for comprehensive recovery.
If your insurer denied or lowballed your claim, we can help reopen it, reinvestigate it, and pursue the settlement the policy may support.
Specialized handling for landlords and multi-family owners who cannot afford prolonged claim disputes affecting their rental income.
The state plan has unique rules. We are experienced with FAIR Plan procedures and work to identify every applicable provision on your behalf.
When a claim is filed, one of the biggest challenges is proving what existed before the loss. We document your property in detail — before anything happens.
Most public adjusters have worked one side of the claims process. Our team has worked all of them — carrier adjuster, management, construction project management, appraiser, umpire, and licensed PA. Every claim at Clarity is managed under senior oversight from day one.
We are a locally rooted firm serving all of California. When you call, you reach us directly. Every claim is handled by our team — senior-led, personally managed, and never lost in a queue. One point of contact, start to finish.
Every claim file is built with dispute resolution in mind — so if a disagreement arises, you have a well-organized, defensible claim file ready.
We review your policy, assess your claim, and share our assessment of your coverage — at no cost and no obligation.
We inspect the damage, document everything, and build a thorough, well-documented claim package.
We handle all communications with the insurer — every adjuster meeting, every dispute, every follow-up — so you don't have to.
We work your claim through to final resolution. Our fee is a percentage of what we recover — our interests are aligned with yours.
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Serving policyholders across all of California. We exist to level the playing field.
We represent policyholders exclusively — never insurers. Our fee is contingent on your recovery — our interests are aligned with yours.
Fire damage, smoke infiltration, and wildfires create complex insurance claims that require thorough documentation. We conduct a comprehensive assessment — structural, contents, and ALE — and work to support every line item.
Water damage from pipe bursts, slab leaks, appliance failures, roof leaks, and storm flooding. We work to ensure your scope addresses not just the visible damage but concealed moisture, potential mold, and all affected finishes.
A denial or low settlement offer is not necessarily the end of the process. California policyholders have options when a claim is denied or settled below the actual scope of loss. We help you understand those options and navigate the supplemental claim process.
Multi-family, SFR rentals, commercial units — we work with the unique considerations of income-producing properties: rental income loss, tenant displacement, business interruption, and timely resolution.
California's state plan has its own procedures, limitations, and dispute processes. The FAIR Plan has its own procedures, limitations, and dispute processes that many policyholders are unfamiliar with. We navigate them on your behalf.
When a covered loss triggers local building code compliance on your structure, Ordinance & Law coverage may apply — a coverage area that is frequently overlooked or underrepresented in initial insurer estimates.
When a claim is filed, one of the biggest challenges is proving what existed before the loss. We document your property in detail — before anything happens — so that record exists when you need it.
If a claim is being disputed or delayed, thorough documentation matters from day one. We build every claim file with dispute resolution in mind — so if formal proceedings become necessary, you have a well-organized, defensible record.
Call us. The consultation is free and there is no obligation.
Clarity Property Solutions exists because most property owners navigate the claims process without professional representation on their side. We provide that representation.
Kimmy Moreno is a California licensed public adjuster with over a decade of experience across every side of the insurance claims and property damage industry — from large carrier operations to construction project management, appraisal, umpire services, and public adjusting.
Her background spans residential homes, multi-family investment properties, and commercial buildings — giving her a complete picture of how different claim types are valued, disputed, and ultimately resolved.
Her background includes years working for large insurance carriers as an adjuster and in management, where she built deep operational insight into how carriers evaluate, process, and resolve claims. She has also served as a licensed appraiser and umpire, and brings direct construction experience in project management, budgets, and timelines — the kind of field knowledge that makes the difference when scoping complex structural losses.
That combination — carrier insider, construction professional, appraiser, umpire, and licensed PA — is rare in this industry. Every claim handled by Clarity is managed under her direct oversight, ensuring that same depth of experience is behind every file we touch.
She is based in El Segundo and serves policyholders throughout California — from the South Bay and greater Los Angeles to the Bay Area, Central Valley, and beyond.
Clarity Property Solutions Inc. was founded on a straightforward premise: insurance carriers have experienced claims professionals managing every file. Policyholders benefit from the same level of professional representation working on their behalf.
We are not a referral service, a general contractor, or a restoration company with a PA license as a sideline. We are a dedicated public adjusting firm — and your claim is our only business.
We only represent policyholders. Our representation is exclusive to policyholders.
We are paid on results. Our fee is a percentage of your recovery. If we don't recover, we don't collect.
We document thoroughly. Every claim file is built with dispute resolution in mind — so if a disagreement arises, you have a well-prepared record.
We serve property investors as peers. We understand the business side of real property and structure every claim with financial outcomes in mind.
We are locally rooted. Headquartered in the South Bay, we serve policyholders across all of California — bringing local knowledge and statewide reach to every claim we handle.
Start with a free, no-obligation consultation.
No fee. No obligation. We'll review your policy, assess your claim, and share what we can do to help.
We respond to all inquiries within one business day. For urgent matters — an active claim or a recent loss — call directly.
Tell us about your claim and we will be in touch promptly.
We do not share your information. No spam. No obligation.