Work With Trusted & Experienced
Public Adjusters In Marina, CA That Work For YOU!
100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!
*Not All Services Available In All Areas.
Don't Settle For Less!
Get The HIGHEST & Most FAIR Settlement Amount, That You Are Legally Entitled To, From Your Insurance Claim!
Get a free on-site inspection & insurance policy evaluation from one of our expert public claims adjusters!
Work with highly trained & verified Marina public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!
Public Claims Adjusters Network (PCAN) member public claims adjusters in Marina, California offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.
Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.
They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).
Consultations are always:
- Friendly
- Free
- No-Obligation
- 100% contingency-based In Nearly Every State
… meaning your public adjuster doesn’t get paid, unless you get paid!*
PCAN public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified public adjusters serving City and County of San Francisco today!
*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.
Request Your No-Obligation Consultation With a PCAN-Verified Member Public Adjuster Today!
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*Some Services May Not Be Available In All Areas. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, state-licensed, bonded, and PCAN Verified Public Adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the Marina community, to ensure the highest quality of service & care.
Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!
Contingency Based. We don’t get paid, unless you get paid!
*Contingency fees not permitted by law in Louisiana.
Why Hire A Public Claims Adjuster In Marina, CA?
Marina Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!
Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert public insurance claims adjusters Members Today!
- Save You Time & Help Speed Up The Claim Process
- Help Alleviate Stress & Walk You Through The Whole Process
- Negotiate With The Insurance Company & Make Sure You Get The Highest Settlement Possible*
- Prepare & File All The Necessary Documents, And Handle All The Necessary Follow-up's
*Some Services Not Available In All Areas.
What Our Network Of Licensed Marina Public Insurance Adjusters Bring To The Table
Insurance Policy & Claims Specialists For Marina, CA Residents
PCAN member public adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in Marina, California. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.
Advocates For Homeowners, Businesses, & HOA's In Marina, City and County of San Francisco
PCAN member public insurance claims adjusters advocate for your rights as the policy holder. They ensure that the clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Public adjusters are there with you every step of the way!
Experts In Seen & Unseen Damages For Marina Homeowners Insurance Claims
PCAN member public insurance claims adjusters in Marina, City and County of San Francisco have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.
Best Damage Claim Negotiators In Marina
Settlement negotiation is critically important when it comes to the claims process. Public adjusters in Marina, CA know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public insurance adjusters have the expertise and experience in claims negotiations to ensure that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Frequently Asked Questions (FAQ) About Marina California Public Adjusting
What Is A Public Claims Adjuster In Marina & What Do They Do?
California Public adjusters are licensed insurance professionals who independently advocate for policy holders in the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA), these professionals serve as advocates for property owners, ensuring their interests are protected when working with insurance companies.
The role of public adjusters has become more significant over the last few years, specifically because insurance claims are becoming more complex. A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) revealed that policyholders who utilized public adjusters received settlements up to 800% more over those who managed claims on their own.
Public adjusters provide comprehensive services throughout the claims process. They conduct thorough damage assessments, and prepare and file necessary documents, and handle all communication with insurance companies. This kind of professional assistance significantly cuts down the stress and time involved with filing claims and allows policyholders owners to focus on recovery.
Operating mostly on a contingency fee basis, typically ranging from 10% to 20 percent of the settlement, public adjusters are rewarded for securing the maximum possible settlement for their clients. The fee structure is depending on the complexity of the claim, state regulations, and required resources.
These professionals possess vast knowledge of insurance policies, building codes, as well as construction costs. They apply this knowledge to:
- Speed up the claims process
- Document and evaluate the extent of damages
- Navigate complex policies
- Directly negotiate with insurance carriers
- Ensure compliance with filing deadlines and other policy requirements
Research has clearly shown that professional representation during the claim process usually results in more comprehensive settlements as well as faster claim resolution times. Public adjusters’ understanding of insurance regulations and industry practices can help avoid common pitfalls that could otherwise slow or hinder settlements.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Will My Settlement Be Larger If I Hire A Marina Public Adjusting Company?
Research and industry analysis has shown that hiring a public insurance adjuster can dramatically increase policyholder settlements for claims. According to groundbreaking study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who employed public adjusters received settlements as high as 800% higher that those who managed claims on their own.
Public adjusters in California serve as licensed professionals who exclusively represent policyholders during the claims process. The National Association of Public Insurance Adjusters (NAPIA) reports that these state-licensed professionals provide comprehensive claims management services, including precise documentation of property damage, policy interpretation, and settlement negotiations with insurance carriers.
The importance of a professional representation is particularly evident in final settlement figures, as professionally managed claims generally yield more comprehensive damage assessment, and more accurate estimates of losses.
Public adjusters streamline the claims process by:
- Handling all documentation and correspondence with insurance companies
- Conducting thorough assessment of the damage to property
- Preparing comprehensive claim submissions
- Negotiating directly with insurance carriers
- Speeding up the settlement timeline
- Ensuring compliance with policy specifications and deadlines
The majority of public adjusters operate on a contingency fee basis, typically ranging between 10 and 20 percent of the final settlement amount. This fee structure aligns the adjuster’s interests with the policyholder’s, as their compensation is contingent on securing a favorable settlement.
The expertise of a Public Adjuster often proves valuable in difficult claims scenarios, where technical knowledge of building codes, construction costs, & insurance policy provisions can significantly impact settlement outcomes.
Their professional oversight helps ensure no insured damages are missed and claims are properly valued according to the current market conditions.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
How Much Do Marina Public Adjusters Near Me Charge?
Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements.
Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.
A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Should You Hire A Public Claims Adjuster In Marina, CA?
Complex insurance claims often require experienced professionals to navigate effectively. Public insurance adjusters, state-licensed professionals who work exclusively for policyholders, can have a significant impact on claim outcomes as well as settlement amount.
A variety of scenarios could need a public adjuster:
- Extensive property damage
- Claims involving multiple types of coverage
- Disputed claims or partial claim denials
- Complex requirements for documentation
- Situations that are time-sensitive and require immediate attention
Public adjusters streamline the claims process by:
- Conducting comprehensive damage assessments
- Preparing and filing the all documentation required
- Communication with insurance companies
- Settlement negotiations on behalf of the policyholders
- Ensuring compliance with policy conditions and deadlines
Public adjusters particularly benefit policyholders because of:
- Reducing stress through expert claim management
- Accelerating the settlement process
- Giving independent damage assessment
- Ensuring comprehensive documentation
- Utilizing industry-specific expertise to ensure fair settlements
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Is It Too Late To Hire A Public Adjuster Near Me In Marina?
Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a California public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.
Key timing considerations include:
Statute of Limitations:
- Each state maintains different deadlines for filing insurance claims
- Claims must be initiated within these legal timeframes
- Public adjusters can assist with existing claims, even if initially filed independently
Documentation Requirements:
- Public adjusters help organize and prepare comprehensive claim documentation
- They can recover or reconstruct missing documentation
- Professional documentation improves claim validity and settlement potential
Claim Status:
- Active claims benefit from professional representation
- Denied claims may be reopened with proper documentation
- Disputed settlements can be renegotiated
Public adjusters provide valuable services throughout the claims process Including:
- Expedited claim processing through professional management
- Expert negotiation with insurance carriers
- Complete documentation preparation and submission
- Regular communication with insurance companies
- Stress reduction through professional claim handling
- Maximum settlement potential through experienced representation
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Can I File My Insurance Claim Myself In Marina, City and County of San Francisco?
Although policyholders are entitled to file insurance claims on their own, data from industry experts suggests this strategy may not provide optimal results.
The main challenges with self-filing include:
- Complex documentation requirements and policy interpretation
- Time-intensive communication with insurance representatives
- Risk of overlooking covered damages or benefits
- Potential undervaluation of claims by insurance companies
- Limited-to-zero negotiation experience with insurers
licensed public adjusters provide significant advantages in the process of settling claims:
-
- Professional Documentation and Assessment – Public adjusters thoroughly document damages, and create comprehensive claim files, and handle all paperwork required, making sure that nothing is missed.
- Time and Stress Management – These professionals handle all communications with insurance companies and homeowners can concentrate on recovering while speeding up the claims process.
- Expert Negotiation – With a vast understanding of insurance policies and regulations, public adjusters deal directly with insurance companies to negotiate fair settlements.
- Cost-Effective Service – Public adjusters typically work on a contingency-fee basis, which typically ranges from 10 to 20% of the final settlement amount, to ensure that the interests of the policyholder are protected.
The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent the interests of policyholders throughout the process of settling claims. Their expertise can be particularly valuable in complex claims or when significant damages are involved.
Industry statistics consistently indicate that expert representation by state-licensed public insurance adjusters leads to better outcomes for policyholders, with faster processing, and more comprehensive settlement packages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
In Marina, Can My Contractor Represent Me Against My Insurance Company?
Although contractors frequently offer negotiations with insurers this method can come with some significant risks and limitations. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack knowledge to act as official representatives for insurance claims negotiations.
This limitation could significantly impact the outcome of a lawsuit and potentially limit any rights granted to the insurance company.
State insurance departments regulate licensed public adjusters, who receive highly specialized training, have to pass Federal background checks, and require special licensing from the state before they can operate. They also are legally authorized to act on behalf of the policyholder to protect & protect their right … legal authority that contractors do not have … thus they are the legal and comprehensive alternative to representation by contractors.
Public Adjusters are experts in the interpretation of insurance policies, assessing and documenting damage, and negotiating with insurance companies to guarantee fair and equitable claim compensation.
Public adjusters provide several distinct advantages, including:
- Specialist claim documents and filing
- Professional negotiation with insurance carriers
- Comprehensive damage assessment
- Accelerated claim processing
- Reduce stress through complete claim management
The National Association of Public Insurance Adjusters (NAPIA) insists on the fact that public adjusters need to maintain professional licenses and adhere to strict ethical standards. This provides an additional layer of consumer protection not available with contractors.
For claims that are complex for complex claims, for more complex claims, public adjusters are experts in the interpretation of policies, documentation specifications and negotiation strategies frequently is invaluable, and can help avoid costly mistakes and claim denials that could arise from contractor-led negotiations.
Disclaimer: *Some Services are not available in all Areas. Contingency fees not allowed within Louisiana.
I Already Settled My Claim, But It Wasn’t Enough To Cover The Damages. Is It Too Late To Try To Get More?
When insurance settlements prove insufficient to compensate for damages to property, policyholders have a range of legal options to pursue additional compensation, even after the initial settlement of claim.
As per the National Association of Insurance Commissioners (NAIC), policyholders should be sure to carefully review their settlement terms and related documentation before accepting the final settlement.
The timing and circumstances for pursuing additional compensation are critical aspects, as most insurance policies include specific deadlines for claims disputes and appeals, generally between one and two years after the settlement date.
Licensed public insurance claims adjusters are vital in re-assessing settled claims and identifying previously missed damages. Public adjusters conduct thorough assessments of property damages, as well as document any additional damage, and deal with insurance companies for policyholders.
The most important steps to pursue additional compensation include:
- Document newly discovered damages
- Review of policy terms and settlement agreements
- Gather supporting evidence and estimates
- Request professional representation from a state-licensed public insurance adjusters
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that public adjusters are often able to identify missed damages and policy provisions which allow for the need for additional compensation. Their experience in the interpretation of policies and claim valuation is especially valuable when challenging settled claims.
Policyholders should respond quickly after discovering inadequate settlement amounts, as delay can compromise their ability to collect additional compensation. When utilizing a public adjuster’s services, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Why hire a Public Insurance Claims Adjuster In Marina if your insurance company already sent an adjuster?
The decision to hire a state-licensed public claims adjuster, even when an insurance company has appointed its own adjuster, could significantly impact the final result of an insurance claim.
Although the insurance company adjusters work for their employer’s interests … public adjusters serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) emphasizes that these state-licensed & regulated adjusters operate independently to ensure fair claim settlements and comprehensive policies are interpreted.
Public adjusters streamline the claims process by managing documentation, conducting thorough damage assessments, and handling all communication with insurance companies. This professional intervention typically accelerates claim resolution and decreases homeowners’ administrative burdens.
The benefit of public adjusters also goes beyond financial benefits. These professionals provide expert advice during the claim process, providing complicated policy terms and making sure that the damage is documented and assessed.
They create precise damage estimates, gather necessary evidence, and deal directly with insurance companies in order to get the best settlement results.
Insurance claims are complicated and time-consuming which makes professional representation essential during major loss events. Public adjusters’ expertise in negotiation and interpretation of policies often results in more extensive settlements that cover evident and hidden damages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
Can My Insurance Company Cancel My Contract If I Use a Public Adjuster In Marina, CA?
No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public insurance adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.
The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.
Disclaimer: Some Services Not Available In All Areas.
A homeowners insurance glossary provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.
Key concepts include such terms as Actual Cash Value, a method for determining compensation based on replacement costs minus recoverable depreciation, and ALE, which cover necessary living costs when a home is uninhabitable.
For example, understanding your home insurance policy declaration page, common insurance claim deductibles for various types of home damage, the general policy exclusions standard in many homeowners insurance policies, can bring much-needed awareness & clarity to policyholders of potential insurance definitions & terms that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
The Homeowners Insurance Claims Recovery Process In Marina, California
California state-licensed public insurance claims adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!
View 7-Step Claims Recovery Process Map
Step #1
Make Sure Your Family Is Safe
When disaster strikes, the priority is to make sure your family is safe. Always have an emergency bag!
Step #2
Contact A PCAN Public Adjuster In Marina, City and County of San Francisco
Contact one of the PCAN verified and state-licensed public insurance adjusters to schedule an appointment for them to come out & meet with you to inspect the damage.
Step #3
Thorough Review Of Your Policy
Your public adjuster will conduct a comprehensive review of your policy, note any coverage restrictions, coinsurance requirements, limitations, and review additional options that may be available to you.
Step #4
Create A Claims Strategy That Works For Your Specific Goals & Needs
Your public insurance claims adjuster will discuss what is most important to you when it comes to your claim, then create & tailor the right claims strategy to take care of your family.
Step #5
Public Adjuster Takes Care Of All Insurance Related Paperwork, Negotiations, & Follow Up.
Once you have agreed on a strategy, your public insurance adjuster will:
- Meet with insurance company adjusters & personnel at the loss/damage location.
- Agree to the scope of damages & make sure that they are including all the damages in the scope, as well as clearly deciding on what should be repaired vs. replaced.
- Prepare a detailed reconstruction estimate.
- Prepare a detailed inventory of personal property.
Step #6
Negotiations & Final Settlement
Your public insurance claims adjuster will work to make sure you receive the highest settlement possible under your specific insurance policy.
Step #7
Restoration | Reconstruction | Relocation
Your public insurance adjuster will negotiate with the insurance company to ensure that you can achieve your specific goals. Whether that’s full or partial restoration, rebuilding your property, or a full-relocation.
(Click To Expand Infographic)
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Discover How Marina Public Claims Adjusters Can Get You More From These Types Of Homeowners Insurance Claims
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Read The Latest Articles Related To Your Specific Claim
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- Hail
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- Homeowners Association
- Homeowners Insurance
- Hurricane
- Hurricane Damage
- Inspections
- Installation
- Insurance
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- Sewer Lines
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- Slab Leak
- Solar Panels
- Storm Damage
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- Underpaid Insurance Claims
- Vandalism
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- Water Lines And Pipes
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- Wind
- Wind
- Featured
- Adjusting
- Basement
- Black Mold
- Business Interruption
- CA
- Ceiling Damage
- Commercial Property Damage
- Condo Association
- Contractors
- Denied Insurance Claims
- Earthquake Damage
- Fire Damage
- Flood Damage
- Foundation Damage
- Hail
- Hail Damage
- Homeowners Association
- Homeowners Insurance
- Hurricane
- Hurricane Damage
- Inspections
- Installation
- Insurance
- Insurance FAQ
- Lightning
- Mitigation
- Mold Damage
- New Claims
- Personal Property Damage
- Property Damage
- Public Adjusting Guides
- Remediation
- Repairs
- Replacement
- Roof Damage
- Roof Leaks
- Sewer Lines
- Sinkhole Damage
- Slab Leak
- Solar Panels
- Storm Damage
- Storms
- Structural Damage
- terms
- Theft
- Tordano Damage
- Tornado
- TX
- Underpaid Insurance Claims
- Vandalism
- Water Damage
- Water Lines And Pipes
- Wildfire Damage
- Wind
- Wind
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
More About Marina, California
City of Marina | |
---|---|
City of Marina welcome sign | |
Location in Monterey County and the state of California | |
Coordinates: 36°41′04″N 121°48′08″W / 36.68444°N 121.80222°W / 36.68444; -121.80222 | |
Country | United States |
State | California |
County | Monterey |
Incorporated | November 13, 1975 |
Government | |
• Mayor | Bruce Delgado (G) |
• State senator | John Laird (D) |
• Assemblymember | Dawn Addis (D) |
• U. S. rep. | Jimmy Panetta (D) |
Area | |
• Total | 9.81 sq mi (25.4 km) |
• Land | 8.91 sq mi (23.1 km) |
• Water | 0.90 sq mi (2.3 km) 9.19% |
Elevation | 43 ft (13 m) |
Population (2020) | |
• Total | 22,359 |
• Density | 2,510.0/sq mi (969.1/km) |
Time zone | UTC-8 (Pacific) |
• Summer (DST) | UTC-7 (PDT) |
ZIP code | 93933 |
Area code | 831 |
FIPS code | 06-45778 |
GNIS feature IDs | 1659061, 2411035 |
Website | cityofmarina |
Marina is a city in Monterey County, California, United States. As of the 2020 census, the population was 22,359, up from 19,718 in 2010. The city is located along the central coast of California, 8 miles (13 km) west of Salinas and 8 miles (13 km) northeast of Monterey. It is on California State Route 1 between Monterey and Santa Cruz and sits at an elevation of 43 feet (13 m).
Marina was incorporated in 1975 and is the newest city in the Monterey area. It includes part of the California State University, Monterey Bay campus, the UC Santa Cruz UC MBEST center, and the Veterans Transition Center (VTC). In 2012, Marina was named one of the 100 Best Communities for Young People by America’s Promise Alliance. The Fort Ord Station Veterinary Hospital, built in 1941 to provide healthcare for U.S. Army horses and mules, was listed on the National Register of Historic Places in 2014.
SourceOur Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.