User Profile - United Policyholders

Robert Crown

Robert Crown has more than 32 years of experience as a licensed public adjuster. Prior to launching his own Bay Area based Public Adjusting (PA) firm in November of 2014, Robert worked with a large Bay Area PA firm from 1985-1999. He spent the next 15-years working with a colleague in a more “hands-on” capacity helping the insured. Since November of 2014 Robert has helped policyholders successfully navigate their way through the insurance claim’s process after a loss occurs. Prior to becoming a public adjuster in 1985, he worked in residential remodeling while getting his undergraduate and Master’s degree in Social Work Administration. His background and years of experience as a client advocate, both as a former Social Service professional and then as a licensed public adjuster, has helped shape, refine and solidify his commitments in service to others. His professionalism is exemplified in his relationships with both clients and industry professionals.

Community Activities

Are architectural, engineering and permit fees considered Coverage A costs?

I am rebuilding a structure destroyed in the 2020 Creek Fire in California. I am incurring a lot of expenses related to architectural, engineering, surveying and permit fees. Are all these fees considered Coverage A costs and therefore come out of the “Coverage A pot…

Robert Crown answered 3 months ago • Coverage Question • California

292 views1 answers

Building Estimates

Is it normal for a contractor to charge an up-front fee for providing a written building estimate, bid or quote that is required by the insurance company?

Robert Crown answered 6 months ago • Rebuilding • California

151 views1 answers

Quote for cost of house replacement

I recently submitted a quote to my adjuster from a prospective builder for the cost of rebuilding the house we had. A Public Adjuster happened to call at about the same time and said “of course the adjuster can ignore this because the quote is…

United Policyholders answered 7 months ago • Damage or Rebuild Estimates • Colorado

462 views2 answers

Funds released by insurance company exceed adjuster’s worksheet

We had water damage. Insurance company tried lowballing the contractor’s estimate but after several weeks they issued money exceeding the contractor’s estimate. But the adjuster’s worksheet does not reflect that. Now the mortgage company — who is also on the insurance claim check — is…

Robert Crown answered 8 months ago • Damage or Rebuild Estimates, Mortgage Issues • Washington

496 views2 answers

Loss of Use – Mileage

Our insurance company, Nationwide, is telling us they will only reimburse us for $.18/mile instead of IRS rate of $.51/mile. We couldn’t find housing in Santa Rosa area where we lived so we now are renting in Calistoga. My husband and I both work so…

Robert Crown answered 1 year ago • General Question • California

278 views1 answers

What category is my wine collection considered under personal property? There is nothing in my policy that indicates it is not covered.

We lost our home in the N. Cal wildfire in Oct-2017. I had a 600 bottle collection of wine and a refrigerated wine cellar. I value the wine at $35K. There is nothing we have seen in the policy that excludes wine. What personal property…

Robert Crown answered 1 year ago • Contents inventory • California

186 views1 answers

FRV

I am trying to get our AAA insurance to pay FRV for a furnished rental rather than an unfurnished rental. I have gotten quotes from a realtor on their letterhead as requested but the adjuster keeps telling me they will only pay for an unfurnished…

Robert Crown answered 1 year ago • Additional Living Expenses (ALE) • California

298 views1 answers