Richard Garcia

When hail damaged our siding and windows, Richard's estimate barely covered minor fixes. He acknowledged the dents in our siding but insisted they were only cosmetic. We pushed back with a contractor's report, and after weeks of delay, he increased the payment slightly – still not enough for full repairs. We did get something, but nowhere near what it cost us to restore our home. It felt like he was minimizing the claim from the start.

I worked with Richard on a homeowner's wind damage claim, and it was one of the most frustrating experiences in my career as a public adjuster. He severely under-scoped the damage from a tornado, omitting damages that were clearly caused by the storm. It was a constant fight to get basic items included. He also took an adversarial tone in discussions, making the process harder than it needed to be. This adjuster's approach ultimately delayed the homeowner's recovery significantly.

As a contractor, I dealt with Richard Garcia for a client's hail damage roof. He did approve the roof replacement eventually, but only after we proved the shingles were bruised by hail. The process was slow and required multiple reinspections. He wasn't the easiest adjuster to work with, but at least the job got partially approved in the end.

Our home suffered wind damage during a storm, and Richard Garcia was assigned as our adjuster. He severely undervalued the damage and tried to cover only a few shingles when the whole roof was compromised. We felt mistreated and had to file a complaint to get attention. This was a thoroughly negative experience.