Our Team

Beverly J. Cook

Began her career as a Public Insurance Adjuster with Policyholders Adjusting Services in 1981. Beverly has specialized in the preparation of personal property inventories. Since Beverly’s early beginnings, she has focused her attention on research and support documentation while paying close attention in the preparation of a property inventory. Beverly has prepared inventories for 25 years for both residential and commercial losses.

Beverly has continually strived to improve herself in this field by participating in classes of all areas from continuing education classes in insurance, to fine arts appraisal with certifications in 19th Century American Furniture and Decorative Arts, The Southern California Chapter of the International Society of Appraisers, The Silver and the Old. When the Cedar Fires destroyed the noted and honorable Superior Court Judge John Einhorn’s home in 2003, Beverly Cook’s expertise was invaluable in preparing his personal property inventory, much to his satisfaction.

Contents & Personal Property:
I work solely for your interest, independent from the insurance company. It is important to have an inventory as complete as possible from the beginning. My 28 years of preparing inventories has given me the insight, competence and compassion required in helping people with documenting and evaluating their personal items for a successful claim outcome.

Please allow me the opportunity to provide you with a consultation at no charge for the construction portion, contents, or both. Please visit our reference page, I am in the hope that it will assist you to get a better idea of who I am, and what I can do for you regarding the tremendous task ahead.

Marc S. Gross

Is a third generation Public Insurance Adjuster. Marc’s grandfather, Abraham Mackey, was a charter member of the National Association of Public Insurance Adjusters, N.A.P.I.A. A graduate of Oakland University, with a degree in Bachelor of Arts., Marc began his career in Detroit Michigan in 1968 working in the family business, Midwest Fire Adjusters; now known as Globe Midwest Fire Adjusters. After moving to San Diego California in 1972, Marc founded Policyholders Adjusting Service.

Since Policyholders Adjusting Service inception Marc has successfully represented thousands of clients with their insurance claims. Marc has been named to act as appraiser in hundreds of insurance claims to settle disputes with insurance companies. Many of San Diego’s top law firms have also retained Marc as an expert witness in property insurance claims.

Marc has now been focusing much of his time in the area of appraisals and overage settlements. If you have attempted to settle your insurance claim without the help of a Public Insurance Adjuster and are not satisfied with the results you are getting, then you should contact Marc S. Gross, this is the area of his expertise. Marc can also be retained to act on your behalf, to be named as appraiser or an expert witness.


Public Adjusters:

Adjusters that work for you, hired by you to represent your interests. A public adjuster should only have your best interests in mind when representing you and therefore should not be soliciting you with any one particular contractor standing by his or her side. A public adjusters function is to obtain a cash settlement for you and let you decide who you want to hire to repair the damages. There is no need to hire a contractor until you know how much money you have to work with, this gives you the opportunity to shop the contractors and find the best deal for you and your family. Any public adjuster who works hand in hand with a contractor cannot provide you with an unbiased opinion as to what is in your best interests.

Insurance Company Adjusters:

Employed by your insurance company to represent their interests in your insurance claim, to negotiate with you or your representative in the settlement of your insurance claim.

Independent Insurance Adjusters:

Same as insurance company adjusters but they are not direct employees of any one insurance company, they are sub-contractors that work for many different insurance companies, their function is the same – to represent the insurance companies interests.


Vendors are companies who do not work for insurance companies. They are typically brought out by your insurance company to provide estimates of repair on behalf of your insurance company, i.e. general contractors, contents restoration / pack-out companies.

Keep in mind because they are vendors they do not make money unless they do work. Logic would dictate that these type of companies are financially motivated to clean or repair items that should be replaced or you may otherwise be entitled to be paid cash for. Rule of thumb is if an item is questionable as to whether it can be cleaned or not, get an estimate to clean it. Any work that is done comes out of your settlement. Once the cleaning has been done, if your not satisfied they still get paid for the attempt and that money comes out of your insurance settlement.


  • You have the right to hire anyone you choose.
  • Get estimates.
  • Do not hire anyone without knowing what they are going to charge, otherwise it is just like giving someone your signed checkbook. Just because the insurance company brought them out doesn’t mean you have to use them

We Are Here For You

If you have any questions or concerns, send us an inquiry or give us a call.

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