Jesse Rubin Speaks with Molly Swing About Insurance Claims, Common Misconceptions, and When to Call a Public Adjuster

Our President, Jesse Rubin, was recently featured in a live interview with Molly Swing, a passionate advocate for Pacific Palisades and a voice for local business owners across Southern California. As wildfires and property damage continue to impact our communities, conversations like these are more important than ever.

In this conversation, Jesse shared insights every property owner should hear, especially if you’ve ever had to deal with an insurance company after a loss.

 

Not All Adjusters Are On Your Side

One of the first things Jesse explained was the difference between the three types of insurance adjusters:

• Staff Adjusters work directly for the insurance company.
• Independent Adjusters are contractors hired by the insurance company.
• Public Adjusters work only for you—the policyholder.

This difference matters. Many homeowners think the first adjuster they speak to is there to help them. In reality, they’re hired to protect the insurance company’s bottom line.

When Should You Call a Public Adjuster?

The short answer? As early as possible.

If you call a public adjuster right after a loss, you’ll avoid common mistakes—like misreporting damage or underestimating costs—that can seriously reduce your payout.

That said, it’s never too late to ask for help. Jesse shared how Rubin Adjusting has stepped in months or even years after a claim was filed—and still helped homeowners recover more.

“If you’re unsure whether you’ve received everything your policy covers, that’s a good time to reach out,” Jesse noted.

The Full Policy Payout Myth

During the interview, Molly brought up something we hear all the time:
“If I have a total loss, my insurance company will pay out my full policy amount—right?”

Unfortunately, it’s not that simple.

Jesse explained how insurers often make lowball offers, even after a catastrophic loss. Some even claim homeowners were “overinsured” to justify paying less.

That’s why it’s so important to have someone like Rubin Adjusting in your corner. We review every estimate, challenge undervalued repairs, and make sure nothing gets left out—from roof replacement to temporary housing costs.

A Great Opportunity to Spark Conversation—and Change

We’re grateful to Molly Swing for inviting Jesse to share his knowledge and experience. Her thoughtful questions opened the door to a conversation that so many homeowners need to hear.

Too many people don’t realize they have options—or that they can push back if something doesn’t feel right. Interviews like this help bring those truths to the surface.

If you’re struggling to navigate the claims process or just want a second opinion on your settlement, Rubin Adjusting is here to help. We represent homeowners and business owners throughout California, advocating for the full and fair value of their insurance claims. Contact us today to speak with a licensed public adjuster and get the support you need.