Work With Trusted & Experienced

Public Adjusters In San Francisco, 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 San Francisco 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 insurance claims adjusters in San Francisco, 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 insurance claims 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!

*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 San Francisco community, to ensure the highest quality of service & care.

Up To 0 %

Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!

0 %

Contingency Based. We don’t get paid, unless you get paid!

*Contingency fees not permitted by law in Louisiana.

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Why Hire A Public Insurance Claims Adjuster In San Francisco, CA?

San Francisco 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 adjusters Members Today!

*Some Services Not Available In All Areas. 

What Our Network Of Licensed San Francisco Public Insurance Adjusters Bring To The Table

Insurance Policy & Claims Specialists For San Francisco, CA Residents

PCAN member public claims 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 San Francisco, 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 San Francisco, City and County of San Francisco

PCAN member public insurance 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 San Francisco Homeowners Insurance Claims

PCAN member public claims adjusters in San Francisco, 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 San Francisco

Settlement negotiation is critically important when it comes to the claims process. Public adjusters in San Francisco, CA know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public insurance claims 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!

Your Insurance Company Has An Adjuster ... Shouldn’t You?

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 San Francisco California Public Adjusting

California Public adjusters are licensed insurance professionals who work independently to defend policy holders throughout the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) the experts act as advocates for property owners and ensure their rights are secured in dealing with insurance companies..

The function of public adjusters has become more significant in recent years, specifically because insurance claims are becoming more complex. A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) found that policyholders who used public adjusters received settlements up to 800% more than those who handled claims independently.

Public adjusters provide comprehensive services throughout the claim process. They conduct thorough assessments of the damages, and prepare and file all necessary documentation, and handle all communication with insurance companies. This type of support from licensed professionals, significantly reduces the time and stress associated with filing claims, allowing policyholders to concentrate on recovering.

Working primarily on a basis of contingency fees that typically range between 10 and 20% of the final settlement, public adjusters are incentivized to secure the highest possible amount of compensation for their clients. The fee structure varies depending on the complexity of the claim, state regulations, and required resources.

These professionals have extensive knowledge of insurance policies,  and building codes, and construction costs. They leverage this expertise to:

  • Accelerate the claims process
  • Document and evaluate damages thoroughly
  • Navigate complex policy language
  • Negotiate directly with insurance companies
  • Be sure to comply with deadlines for filing and additional policy requirements

Research has clearly shown that professional representation during the claims process often leads to more comprehensive settlements as well as quicker resolution of claims. Public adjusters’ understanding of insurance regulations and industry practices helps prevent common pitfalls that could otherwise delay or diminish claim settlements.

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Research and industry analysis has shown the hiring of a public insurance adjuster can significantly increase policyholder claim settlements. According to a landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who employed public adjusters received settlements up to 800% more than those who handled claims independently.

Public adjusters in California serve as licensed professionals who represent only policyholders during the claim process. The National Association of Public Insurance Adjusters (NAPIA) reports that these state-licensed professionals offer detailed claims management services, including precise documentation of property damage and interpretation of policies as well as settlement discussions with insurance companies.

The value of representation by a professional is evident in final settlement figures, as professionally managed claims typically yield more comprehensive damage assessment, and more accurate valuations of losses.

Public adjusters streamline the claims process by:

  •  Handling all documentation and correspondence with insurance companies    
  • Conducting detailed assessment of the damage to property  
  • Preparing comprehensive claim submissions
  • Directly negotiating with insurance companies    
  • Speeding up the settlement timeline  
  • Ensuring compliance with the policy specifications and deadlines  

The majority of public adjusters work on the contingency fee basis, which typically range from 10% to 20% of the final settlement amount. This fee structure aligns the interests of the adjuster with those of the policyholder, as their compensation depends on securing a favorable settlement agreement.

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 have a major impact on settlement outcomes.

Their expertise and oversight ensure no insured damages are missed and claims are properly assessed according to the current market conditions.

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

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.

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.

Complex insurance claims usually require professional expertise to navigate effectively. Public insurance adjusters, state-licensed professionals who only work on behalf of policyholders, can significantly impact claim outcomes as well as settlement outcomes.

A variety of scenarios could need a public adjuster:

  • Property damage that is extensive
  • 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
  • The preparation and filing of all documentation required 
  • Managing communication with insurance companies 
  • Settlement negotiations on behalf of the policyholders 
  • Ensuring compliance with the policy conditions and deadlines

Public adjusters particularly benefit policyholders by:

  • Stress reduction through expert claim management
  • Accelerating the settlement process 
  • Offering an objective assessment of damage
  • 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.

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.

Although policyholders have the right to make insurance claims on their own, research from industry experts suggests this method may not produce ideal results.

Key challenges of 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 offer important advantages to the claims process: 

  •  
    1. Professional Documentation and Assessment – Public adjusters thoroughly document damages, prepare comprehensive claim files, and manage all paperwork required, making sure nothing is overlooked.
    2. Time and Stress Management – These professionals manage all communications with insurance companies so that homeowners can focus on recovery while expediting the process of submitting claims.
    3. Expert Negotiation – With a vast understanding of insurance policies and regulations, public adjusters negotiate directly with insurance companies to negotiate fair settlements.
    4. Cost-Effective Service – Public adjusters typically work on a contingency fee basis, usually ranging from 10-20 percent of the settlement amount, which ensures alignment with the policyholder’s interests.

The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent the interests of policyholders during the process of settling claims. Their expertise can be useful in complex claims or when significant damages are involved.

Industry statistics consistently show that professional expert representation by state-licensed public insurance claims adjusters leads to more favorable outcomes for policyholders, with faster processing, and more complete settlement packages.

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Although contractors frequently offer negotiations with insurers this approach can present some significant risks and limitations. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack expertise to be official representatives for insurance claims negotiations.

This limitation could dramatically affect the result of a case and potentially compromise your rights as a insurance company.

State insurance departments oversee licensed public adjusters, who receive extremely specialized training, undergo Federal background checks, & require specialized licenses from the state in order to work. They also are legally authorized to represent the policyholder in order to protect and protect their right … legal authority that contractors do not have … making them the legal alternative to the representation of contractors.

Public Adjusters are experts in interpreting insurance policies, documenting damages, and working with insurance companies to ensure fair settlements.

Public adjusters provide several distinct advantages, which include:

  • Professional claim documents and filing
  • Professional negotiation with insurance companies
  • Comprehensive damage assessment
  • Faster claim processing
  • Reduce stress through complete claim management

The National Association of Public Insurance Adjusters (NAPIA) emphasizes the fact that public claims adjusters must hold professional licenses and follow strict ethical standards, thereby providing the additional level of consumer protection that is not offered by contractors.

For claims that are complex public adjusters have a wealth of knowledge in policy interpretation, documentation specifications and negotiation strategies frequently is invaluable, and can help avoid costly errors and denials of claims that might occur with negotiation led by contractors.

Disclaimer: Some Services Are are not available in all Areas. Contingency fees are not available within Louisiana.

When insurance settlements prove insufficient to cover property damages, policyholders retain several legal options to pursue further compensation following the initial settlement of their claim.

As per the National Association of Insurance Commissioners (NAIC), NAIC recommends that policyholders carefully evaluate their settlement terms and related documents prior to accepting the final settlement.

The timing and circumstances for seeking additional compensation are crucial aspects, as the majority of insurance policies include specific timeframes for dispute resolution and appeals, usually ranging from one to two years after the settlement date.

Licensed public adjusters are crucial in re-evaluating settlement claims and finding overlooked damages. Public adjusters perform thorough property assessments, document any additional damages, and negotiate with insurance carriers on behalf of policyholders.

Key steps for pursuing additional compensation include:

  1.  Document newly discovered damages
  2. Review of policy terms and settlement agreements
  3. Gather additional evidence and estimates
  4. Think about professional representation from a state-licensed public insurance adjusters

The National Association of Public Insurance Adjusters (NAPIA) stresses that public adjusters can often identify overlooked damages and policy provisions that support an additional amount of compensation. Their expertise in the interpretation of policies and claim valuation is particularly useful when defending settled claims.

Policyholders should take action immediately when they discover insufficient settlement amounts, as delay can compromise their ability to recover 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. The use of contingency fees is not permitted in Louisiana.

The choice to engage a state-licensed public insurance claims adjuster, even when an insurance company has assigned its own adjuster dramatically affect the final result of an insurance claim.

Although the insurance company adjusters work for their employer’s interests … public claims 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 settlements of claims and complete coverage interpretation.

Public adjusters streamline the claims process by managing the documentation and conducting thorough evaluations of damage, and coordinating all communications with insurance companies. This type of professional intervention usually speeds up the resolution of claims and eases homeowners burdens on administrative tasks.

The benefit of public adjusters also goes beyond financial benefits. They offer professional guidance during the claim process, providing complicated policy terms and making sure that all damage is properly documented and assessed.

They make detailed damage estimates, gather necessary evidence, and deal directly with insurance carriers to maximize settlement outcomes.

The process of settling insurance claims is complicated and time-consuming and require a professional’s assistance, which makes their representation crucial during large loss events. Public adjusters’ expertise in negotiation and interpretation of policies usually results in more extensive settlements that cover the obvious as well as hidden damages.

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

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 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 of terms 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 Vs. Replacement Value, a method for determining compensation based on replacement costs minus depreciation, and Additional Living Expenses, which cover necessary living costs when a home is uninhabitable.

For example, understanding your home insurance declaration page, common homeowners insurance claim deductibles for various kinds of property damage, the general policy exclusions standard in many home insurance policies, can bring much-needed awareness & clarity to policyholders of potential homeowners insurance definitions 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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Your Insurance Company Has An Adjuster ... Shouldn’t You?

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 San Francisco, California

California state-licensed public insurance 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!

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 #1

Step #2

Contact A PCAN Public Adjuster In San Francisco, City and County of San Francisco

Contact one of the PCAN verified and state-licensed public claims adjusters to schedule an appointment for them to come out & meet with you to inspect the damage.

Step #2

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 #3

Step #4

Create A Claims Strategy That Works For Your Specific Goals & Needs

Your public insurance 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 #4

Step #5

Public Adjuster Takes Care Of All Insurance Related Paperwork, Negotiations, & Follow Up.

Once you have agreed on a strategy, your public insurance claims 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 #5

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 #6

Step #7

Restoration | Reconstruction | Relocation

Your public claims 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.

Step #7

(Click To Expand Infographic)

Your Insurance Company Has An Adjuster ... Shouldn’t You?

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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Public Adjusters San Francisco, Ca

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

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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Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

San Francisco
City and County of San Francisco
Nicknames: 
Motto(s): 
Oro en Paz, Fierro en Guerra
(Spanish for ‘Gold in Peace, Iron in War’)
Anthem:
Official song: Theme from San Francisco (“Open your Golden Gate”)
Official ballad: “I Left My Heart in San Francisco
Map
Interactive map outlining San Francisco
San Francisco Is Located In California
San Francisco
San Francisco
Location within California
San Francisco Is Located In The United States
San Francisco
San Francisco
Location within the United States
San Francisco Is Located In North America
San Francisco
San Francisco
San Francisco (North America)
Coordinates: 37°47′N 122°25′W / 37.783°N 122.417°W / 37.783; -122.417
CountryUnited States
StateCalifornia
CountySan Francisco
MetroSan Francisco–Oakland–Hayward
CSASan Jose–San Francisco–Oakland
MissionJune 29, 1776 (248 years ago) (June 29, 1776)
IncorporatedApril 15, 1850 (174 years ago) (April 15, 1850)
Founded byJuan Bautista de Anza
José Joaquín Moraga
Francisco Palóu
Named forSt. Francis of Assisi
Government
 • TypeMayor-council
 • BodyBoard of Supervisors
 • MayorDaniel Lurie (D)
 • Supervisors
 • Assembly membersMatt Haney (D)
Catherine Stefani (D)
 • State senatorScott Wiener (D)
 • United States RepresentativesNancy Pelosi (D)
Kevin Mullin (D)
Area
 • City and county
231.89 sq mi (600.59 km)
 • Land46.9 sq mi (121.48 km)
 • Water184.99 sq mi (479.11 km)  80.00%
 • Metro
3,524.4 sq mi (9,128 km)
Elevation
52 ft (16 m)
Highest elevation934 ft (285 m)
Lowest elevation
(Pacific Ocean)
0 ft (0 m)
Population
 (2020)
 • City and county
873,965
 • Estimate 
(2023)
808,988
 • Rank49th in North America
17th in the United States
4th in California
 • Density18,634.65/sq mi (7,194.88/km)
 • Urban
3,515,933 (US: 14th)
 • Urban density6,843.0/sq mi (2,642.1/km)
 • Metro
4,566,961 (US: 13th)
 • CSA
9,225,160 (US: 5th)
DemonymSan Franciscan
Languages
 • OfficialEnglish, Spanish, Chinese, Filipino, Vietnamese
 • Other non-official spoken languagesRussian, Persian, Portuguese, and others
GDP
 • City and county$263.1 billion (2023)
 • Metro$778.9 billion (2023)
 • CSA$1.397 trillion (2023)
Time zoneUTC−08:00 (PST)
 • Summer (DST)UTC−07:00 (PDT)
ZIP Codes
List
  • 94102–94105
  • 94107–94112
  • 94114–94134
  • 94137
  • 94139–94147
  • 94151
  • 94158–94161
  • 94163–94164
  • 94172
  • 94177
  • 94188
Area codes415/628
FIPS code06-67000
GNIS feature IDs277593, 2411786
Websitesf.gov
  1. ^ Urban area population/density are for the San Francisco–Oakland, CA urban area as of the 2020 Census.

San Francisco, officially the City and County of San Francisco, is a commercial, financial, and cultural center within Northern California. With a population of 808,988 residents as of 2023, San Francisco is the fourth-most populous city in the state of California and the 17th-most populous in the United States. It covers a land area of 46.9 square miles (121 square kilometers) at the upper end of the San Francisco Peninsula, making it the second-most densely populated major U.S. city and the fifth-most densely populated U.S. county. Among U.S. cities proper with over 250,000 residents, San Francisco is ranked first by per capita income and sixth by aggregate income as of 2023. San Francisco anchors the 13th-most populous metropolitan statistical area in the U.S., with almost 4.6 million residents in 2023. The larger San Jose–San Francisco–Oakland combined statistical area, the fifth-largest urban region in the U.S., had a 2023 estimated population of over nine million.

Prior to European settlement, the modern city proper was inhabited by the Yelamu, who spoke Ramaytush Ohlone. On June 29, 1776, settlers from New Spain established the Presidio of San Francisco at the Golden Gate, and the Mission San Francisco de Asís a few miles away, both named for Francis of Assisi. The California gold rush of 1849 brought rapid growth, transforming an unimportant hamlet into a busy port, making it the largest city on the West Coast at the time. In 1856, San Francisco became a consolidated city-county. After three-quarters of the city was destroyed by the 1906 earthquake and fire, it was quickly rebuilt, hosting the Panama–Pacific International Exposition nine years later. In World War II, it was a major port of embarkation for naval service members shipping out to the Pacific Theater. After the war, the confluence of returning servicemen, significant immigration, liberalizing attitudes, the rise of the beatnik and hippie countercultures, the sexual revolution, opposition to U.S. involvement in the Vietnam War, and other factors led to the Summer of Love and the gay rights movement, cementing San Francisco as a center of liberal activism.

San Francisco and the surrounding San Francisco Bay Area are a global center of economic activity and the arts and sciences, spurred by leading universities, high-tech, healthcare, finance, insurance, real estate, and professional services sectors. As of 2020, the metropolitan area, with 4.5 million residents, ranked 5th by GDP ($874 billion) and 2nd by GDP per capita ($131,082) across the OECD countries. In 2023, San Francisco proper had a GDP of $263.1 billion and a GDP per capita of $325,000. Despite an accelerating exodus of businesses from the downtown area of San Francisco, the city is still home to numerous companies inside and outside of technology, including Salesforce, Uber, Airbnb, OpenAI, Levi’s, Gap, Dropbox, and Lyft.

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