My sister and I own a 40% interest as tenants in common in a California home that was partially destroyed by fire in June. The occupant owns 60% and is the policy holder on the insurance with us as additional insureds. What role, if any, can or should we play in the negotiations and settlement with the insurer, and in the rebuilding process?

About The Expert

William Hedden

William Hedden is President and CEO of Consolidated Adjusting, Inc, a public insurance adjusting firm. In 1991, he became a licensed Public Insurance Adjuster with the California Department of Insurance. He is also a licensed real estate broker and a licensed B-1 general contractor in the State of California. He earned a law degree from Hastings College of Law and was admitted to the State Bar of California in 1979. Mr. Hedden served on United Policyholders' Board from 1997-2016.