Phil Barrett, CPCU, AIC​ - I have  proudly served California's North Coast region as an Independent Adjuster since 1995.  Over the years I've developed an intimate knowledge and appreciation of and for my territory.  Each city, town and community has a distinctive culture as well as its own unique set of resources, (contractors, professional services, etc.), which are necessary to achieve a firm and mutually agreeable resolution to a claim.  I am continually augmenting my knowledge base through education in the interest of improving the claims experience for my clients and their policyholders. Competent, responsive and respectful service are my top priorities.  Reaching fair, accurate and unanimously acceptable claim results is my objective.


  • Property Claims (Personal Lines and Commercial, Large and Small)
  • ​Liability Claims (Injury, Construction Defect, Representation at Settlement Conferences, etc.)
  • ​Thorough and complete coverage and liability investigations, (Recorded Interviews meticulously summarized or transcribed, ample photographic documentation, detailed reports and activity logs, etc.)
  • ​Master level estimating skills with Xactimate
  • ​Thorough review and audit of all loss and expense documentation and effective negotiation skills
  • ​Accurate reserve reports
  • ​Compliance with California Fair Claim Settlement Practices
  • ​Certified for Earthquake claims in California
  • ​Able to engage the most appropriate experts when needed
  • ​​Thorough and prompt reporting so that the right decisions are made
  • Experienced with Appraisals and/or Expert Testimony