From day one, their team brought clarity

On January 7, 2025, our lives were forever changed by the devastating Palisades fire. While our home was fortunate enough to remain standing, it suffered extensive exterior damage, and the interior was heavily infiltrated by smoke, ash, and combustion byproducts. The emotional toll of realizing that our home—our sanctuary—bad been compromised was overwhelming. Compounding this trauma, we were dropped by State Fam, and forced to obtain coverage through the California FAIR Plan at less than half the limits we previously carried. From the outset, our experience with FAIR Plan was deeply distressing. They denied virtually all smoke related damage and initially presented an offer of less than $200,000-an amount largely tied to limited exterior repairs and bearing no resemblance to the true scope of loss or what was actually required to properly restore our home. We quickly realized that navigating this process alone was not only exhausting but nearly impossible. Fortunately, we were referred by a trusted family friend to Gary and Kevin Johnson of Johnson & Johnson Consulting, who had successfully represented them following prior Malibu fires. Engaging the Johnsons was without question, the single best decision we made during this entire ordeal. From day one, their team brought clarity, confidence, and relentless advocacy to a process that bad previously fell hopeless. Their attention to detail, mastery of policy language, and deep understanding of wildfire and smoke-related losses were extraordinary. Most importantly, they never wavered. Through persistence, tenacity, and an unwavering commitment to doing what was right, they dismantled FAIR Plan's pattern or deny-and-delay and hold them accountable—step by step. As a direct result of Johnson & Johnson Consulting's efforts, California FAIR Plan ultimately tendered our full $3,000,000 policy limit—after initially denying substantial portions of the loss. JJC successfully challenged and reversed CFP's original coverage determination, resulting in payment for critical scopes CFP had previously denied outright, including interior remediation and other smoke-related restoration work necessary to properly restore the home to it's pre-loss condition. We are profoundly grateful-not just for the financial outcome, but for the peace of mind and dignity the Johnsons restored during one of the most difficult chapters of our lives. While many families continue to struggle against the same unfair practices we were fortunate to have advocates who refused to back down. We cannot say enough good things about Gary, Kevin, and Chris Johnson. Their professionalism, integrity, and tireless advocacy set them apart in every possible way. We sincerely nope we never face another loss of this magnitude, but if we ever do, we would not hesitate for a moment to place our trust in the Johnson family again. They earned every penny of their fee—and then some.

They leveled the playing field against our insurance carrier

I am writing to share my sincere appreciation for Johnson & Johnson Consulting, LLC ("JJC") and their exceptional team -Gary, Kevin, and Christopher Johnson - who represented my family following the devastating fire that damaged our home. From the moment we retained JJC, they leveled the playing field against our insurance carrier, USAA, who had initially undervalued our claim. JJC immediately took control of the process, methodically documenting the loss, communicating with the carrier, and ensuring that every aspect of our damages was recognized and properly paid. Through their hard work, expertise, and relentless determination, JJC successfully compelled USAA to release the full policy limits. Their tireless efforts not only secured a fair and rightful outcome but also gave my family peace of mind during one of the most challenging times of our lives. The JJC team overcame the unimaginable for me and my family. Their professionalism, compassion, and tenacity exceeded all expectations. I will forever be grateful for everything they accomplished on our behalf and will gladly recommend JJC to all my friends and family.

JJC immediately identified that the Carrier's estimate lacked merit

This letter serves as a formal endorsement of Johnson & Johnson Consulting LLC ("JJC") and the instrumental role they played in the successful adjustment of our insurance claim. At the inception of the claim, the Carrier produced a materially deficient Xactimate estimate that significantly undervalued the scope and cost of loss. For months, the Carrier refused to adjust its position or meaningfully engage in reconciliation, leaving the claim at a stagnant and inadequate valuation. JJC immediately identified that the Carrier's estimate lacked merit and began constructing a comprehensive, evidence-based rebuttal. They supported their position with detailed photographic documentation, source materials, cost validation data, and industry-supported analysis. Importantly, JJC did not rely solely on argument. They proactively went into the marketplace to secure detailed cost proposals, specialty trade bids, and a structured Gantt chart to establish realistic project sequencing and duration. This market-driven validation provided objective substantiation that could not be ignored. Throughout what became an arduous and technically intensive adjustment process, JJC engaged directly and assertively with the Carrier's consultants. They challenged flawed methodologies, dissected improper scope omissions, and maintained consistent pressure until appropriate valuations were achieved. Equally important from an operational standpoint, JJC's leadership of the claim process allowed our team to remain focused on running the business. We were able to trust JJC to take ownership of the adjustment strategy, manage the day-to-day claim pressure, and pursue recovery aggressively while we dedicated our time and attention to core business operations. That bandwidth was invaluable.

I recommend Johnson & Johnson Consulting without hesitation

I am writing to recommend Gary Johnson and his team-Kevin Johnson and Christopher Johnson-of Johnson & Johnson Consulting LLC for their exceptional representation of my wife and me following the devastating Pacific Palisades fire that destroyed our home. From the outset, they approached our insurance claim with discipline, meticulous documentation, and clear strategic direction, ultimately delivering an outstanding result. They established a high-but fully supportable-standard for the cost of reconstruction and anchored our claim with credible, real-world reconstruction metrics. Throughout the process, they maintained continuity and forward momentum despite multiple adjuster handoffs, ensuring nothing was lost in transition and that the claim kept moving. A key differentiator was the rigor Johnson & Johnson Consulting brought to the technical and financial aspects of the claim. They reviewed construction estimates line by line, performed detailed scope and pricing comparisons, and identified inconsistencies and omissions that materially affected valuation. Their work product was thorough, well-supported, and clearly presented-enabling the claim to be evaluated on objective facts and true reconstruction requirements. Just as important, Gary consistently and professionally documented carrier delays, inconsistencies, and failures to comply with California's fair-claims handling statutes and regulations. He did so with firmness, precision, and command of the record, while remaining solutions-oriented and focused on resolution. Ultimately, we prevailed. They did not allow the scope to be diluted over time, and they kept the process anchored to what was required to properly rebuild our home. While the loss itself was stressful, it was a pleasure to work with Gary and his team-we truly joined forces, and they handled the matter with professionalism, responsiveness, and steady determination. I recommend Johnson & Johnson Consulting without hesitation to anyone who needs experienced, strategic, and highly capable representation in a complex property-loss claim.

We Sincerely Appreciate Your Expertise

We sincerely appreciate your expertise in negotiating with our insurance company to resolve our claim for storm damages in Lahaina. We were relieved to have a knowledgeable adjuster handle the negotiating for us. We are pleased to be able to have insurance cover all repairs and additional living expenses. We felt comfortable knowing an expert was negotiating on our behalf, and we highly recommend Johnson & Johnson to anyone needing assistance dealing with an insurance claim.

Exemplify Their Dedication and Expertise

Johnson & Johnson's relentless pursuit of a fair resolution and their unwavering commitment to making us whole exemplify their dedication and expertise in the insurance claims process. I can highly recommend Johnson & Johnson Consulting LLC. to anyone facing a substantial insurance claim. Their knowledge and meticulous approach gave our disastrous experience the best possible outcome.

I Immediately Contacted Him for a Catastrophic Water Event

Having had a previous insurance claim successfully managed by Gary Johnson, I immediately contacted him for a catastrophic water event. Johnson & Johnson Consulting turned an insufficient $4 million claim into a remarkable $14 million settlement. I highly recommend Johnson & Johnson Consulting. Their attention to detail, strategic thinking, and strong advocacy for their clients make them an invaluable asset in any insurance claim.

Gary Put a Winning Strategy in Place

Please accept this letter as a commendation of my gratitude for the outstanding and strategic handling you, performed on my insurance claim. Gary put a winning strategy in place at the onset that proved to be the “key element” that resulted in a successful result in every aspect of claim. The team meticulously documented every aspect of the claim with exact specificity. Gary stayed the course, documenting the insurance company’s every mistake, including but not limited to, California DOI Regulations related to response times. The attention to details and knowledge of the terms and conditions contained in the policy as well as their extensive library of technical details proved key in the final negotiations. The detailed analysis that captured every dollar disallowed by the carrier was a catalyst that increased the insurance company’s initial offer by over 150%.

Gary Had Our Best Interests at Heart

In 2020, at the height of the COVID-19 pandemic, we lost everything to the LNU Lightning Complex Fire.  Our home and all of our worldly possessions were gone in the blink of an eye.  We assumed our insurance company would have our best interests at heart.  Boy were we wrong.  Insurance companies are ruthless. You happily pay your premium, but when disaster strikes all of the sudden they are trying to strong arm you into settling for much lower than your home and possessions were worth.  Enter Gary Johnson.  He made a very stressful and traumatic event very easy to navigate.  Every step of the way, Gary had our best interests at heart and fought on our behalf to ensure we were not taken advantage of by our insurance provider.  He knows the ins, outs, and every other trick in the book that insurance carriers will try to pull on their “customers”.  We are extremely humbled and grateful for all of the help provided to us by Gary through this very complex year in our lives.  Thank you, Gary.  We could not have done it without you.

Thank You For All Your Efforts

Thank you for all your efforts and assistance in the negotiation and final adjustment of the fire and smoke damage claim to our home in Healdsburg, CA. The resources that you made available, provided us with excellent evaluations for repair and restoration estimates for our home, artwork, and landscaping. Those evaluations were the foundation of providing AIG Insurance Company with a thorough understanding of the scope of our claim. The result was an excellent settlement that allowed us flexibility. As a repeat client and friend for the last 10+ years, I will be happy to provide you a reference should a potential client wish to speak with a satisfied customer.

Almost TEN TIMES What the Insurance Company Offered

This personal reference is to thank you for your dedication and hard work in getting our claim successfully settled. The settlement resolution was beyond our expectations and almost TEN TIMES what the insurance company offered. Our prized custom home in Malibu was destroyed and sustained a lot of structural and interior damage. We are beyond happy we obtained Gary's help. You are a very methodical and passionate expert in this arena. We followed your lead and you delivered what you promised. You handled the adjusters very well and forced our insurer to step up to the plate. The building, ALE, and contents were handled exactly as they should have been. We happily paid the investment in your efforts as they were well worth the favorable results. Again, thank you Gary for all your hard work. We will happily recommend you anytime. It is best you are brought early in the process so the claim can be navigated in the right direction. We are glad we did not delay our decision.

Gary Should be the First Call You Make

It is with great confidence that I am writing to recommend the services of Gary Johnson. During the protests and riots in May of 2020, we had multiple properties severely vandalized and had no idea how our insurance carrier was fighting to not cover all the damage. Gary met with us, explained all the coverages under our policy and worked with us to evaluate, measure, and present the covered damages to our carrier. The professionalism and expertise of this claim preparation and resolution was beyond anything we could have prepared. We know without a doubt that if we did not hire Gary to assist us with this claim, we would still be negotiating damages with our carrier and likely be short-changed on what was owed. Instead, with the effort of Gary, we received a settlement for the damages sustained beyond anything we could have done on our own. If you unfortunately find yourself in a similar situation, do yourself a favor, don't wait for your insurance company to low-ball the damages and coverages and hire a professional. Gary should be the first call you make. Thank you, Gary for helping us to promptly get back to business.

We Are So Glad to Have Met with You

Thank you for the unbelievable results achieved on our insurance claim. We are so glad to have met with you after our business was damaged by a Frito-Lay truck. Despite our insurance company’s attempts to delay, deny, and diminish the significance of our damages and undervalue our claim, you dedicated your efforts to thwart the carrier’s unreasonable positions and ultimately recover what we were rightfully owed. I would recommend you, without qualification, to the most discerning property owners. Without you, I would have had no idea how to navigate what we faced. Your professional representation put our business in a position to have our building returned to the state it was in before the damage. You assured us that we would not end up with less than what we had before the damage, and you came through. Gary is truly the best in the business. Please accept this letter as my sincere, personal thanks.

You Also Saved Us a lot of Angst

While the events are fresh in my mind, I want to thank you again for the professional way you, handled our flood damage claim in Coronado. lf we had tried to handle this matter on our own, I am certain that our recovery would have been a fraction of the result you obtained for us. (You also saved us a lot of angst.)

You did a Fantastic Job of Negotiating a Very Favorable Settlement

I am happy to serve as a personal reference for the great work and results that you obtained when my condominium was extensively damaged by water. While I am very proficient in business and legal matters, the insurance arena and claims issues were areas where I needed your expertise. I am happy to have had you on my side negotiating with the insurance company for my best interests. I write this letter as an expression of my sincere personal thanks for your efforts and the tremendous results. We were referred to you through others who have had you on their side in their fight with insurers and gladly told us about your skills and passion for advocating on behalf of policyholders. You leveled the playing field. You did a fantastic job of negotiating a very favorable settlement for me that was double of what we originally received from our insurance company. You marshalled a team of local consultants to represent my best interests. I happily paid the investment in your efforts as they were well worth the favorable results. Again, thank you for all your hard work. I will happily recommend you anytime.

We are Incredibly Grateful

Thank you, Gary for the outstanding representation and unbelievable results achieved on our insurance claim. We had multiple properties vandalized during the protests and riots in May of 2020 and had no idea if our insurance carrier was going to cover all the damage. Once we met with you, you reviewed the policy of insurance and explained all the coverages under our policy and worked with us to present the covered damages to our carrier. The professionalism and expertise of this claim preparation was beyond anything we could have prepared. We are incredibly grateful to have Gary to assist us with this claim. Without you, we would still be negotiating damages with our carrier. Instead, we received a settlement for the damages sustained beyond anything we could have done on our own.

Your Team are Definitely at the Top of Your Industry

I write this Letter of Recommendation with sincere gratitude to you in the handling of my insurance claim. When my medical facility was damaged by water not once, or twice, but 3 times in one year, the claim process with two different insurance carriers was a project in its own. Gary, your expertise in the insurance claim process handling, not only the building portion of my claim, but also the business portion is exceptional and was greatly appreciated. You are definitely at the top of your industry with the knowledge in the respective area. Again, thank you for your tremendous effort.

Our Claim was Handled Beyond Our Satisfaction

My husband and I write this reference letter to express our sincere appreciation for you delivering results and resolving our insurance claim. Our family home sustained severe water damage. We got a referral to you from a high-level trusted source in the insurance industry. You met with us immediately to gather evidence of the water damage that consumed our home and support our claim in an evidence-based manner. We were fortunate to have you represent us through the cumbersome process. With your expertise and insurance industry knowledge, our claim was handled beyond our satisfaction. Your interaction with the adjusters resulted in a very favorable resolution. Your fees were eminently reasonable, and we would think everyone with an insurance claim would most definitely benefit with you on their side. Again, thank you for all your hard work. We will happily recommend you firm anytime.

We Cannot Thank You Enough

The settlement was beyond our expectations and almost double what we thought it would be. Our prized property in Brentwood, California was devastated by a fire. There was a tremendous amount of structural and interior damage. Your reputation and knowledge is impeccable. We were fortunate to have you quarterback our loss to a successfully result. We are glad we were referred to you and retained your services. You navigated the adjusters and insurance consultants like a true expert and forced my insurance company to step up to the plate - you kept them honest. With your tenacity and perseverance, we were able to recover the highest and best value on the structure loss as well as obtain code upgrade and other additional benefits up front. The fees we paid were worth every dollar in terms of the services and results received. You saved us tremendous time, headaches, effort and were by our side every step of the way. There is no way we could have negotiated the fantastic settlement you achieved. Again, thank you for all your hard work. We will happily recommend you.