With 20 Additional Teaming Offices Nationwide
Contact Information

California Department of Insurance # 2607903


Arnold and Arnold, Inc. is a family business with an emphasis on quality, results and cost-effectiveness. It was founded more than 40 years ago by Chuck Arnold, a pilot, adjuster, attorney and father to the company's current directors, Bill and Tuck Arnold, and to its previous president, Bruce Arnold. The firm got its start handling marine liability claims, then branched out into aviation, hull, cargo and other specialty investigations areas.  Our head office is in San Diego; we have expanded across the country gradually in response to requests from clients.


Arnold and Arnold’s adjusters and support staff are all standouts in their fields.  Our staff are or have been military and airline pilots, pararescue jumpers, SEALS, physicists, geologists, attorneys, dentists, police officers, special agents, park rangers and sea captains.  They are interesting and qualified people who provide the best possible service to you and your clients.

Our managers are primarily attorneys or have law degrees with years of experience managing claims. We have efficiently managed litigation for various London Clubs and domestic self-insureds. For many years we have served as underwriters representatives at settlement conferences, mediations and similar events.

Our local defense attorneys have worked extensively throughout the United States, Canada, Mexico, Central and South America.  In those instances in which we do not already have an office or teaming office in the area, we locate suitable counsel by drawing on our experience as correspondents for many of the London Clubs and representatives of major domestic carriers.

Members of our firm belong to the following organizations:

The International Society of Air Safety Investigators (ISASI)
The International Association of Marine Investigators (IAMI)
Association of Marine Underwriters of San Francisco (AMUSF)
San Francisco Marine Claims Association — Past President (SFMCA)
Marine Underwriters of Southern California (MUWSC)
Marine Insurance Association of Seattle (MIAS)
The Society Of Accredited Marine Surveyors (SAMS)
Aircraft Owners and Pilots Association (AOPA)
Airline Pilots Association (ALPA)
The Organization of Flying Adjusters — Past President and President Elect (OFA)

Offices and Teaming Offices Throughout the Hemisphere

Arnold and Arnold has 30 offices nationwide, located in areas where our clients frequently need our services and staffed with highly qualified adjusters who understand their region well. We handle claims in American Samoa and the Pacific Region from our Honolulu office. Our Piper Turbo Aztec, Cherokee and Cessna 150 aircraft allow us to work cost effectively throughout the West and Southwestern United States and Northern Mexico. Our wide ranging claims base makes it possible on many claims to prorate travel expenses to Mexico, Central and South America, as well as across the Pacific Region.

Teaming Offices
To provide our clients with uniformly high standards, we have established relationships with highly qualified teaming offices so that we cover all 50 states with appropriately licensed adjusters and investigators. Our teaming offices reduce client costs by eliminating unnecessary travel, as well as provide local expertise. With the exception of secretarial services, they are fully supported by the Arnold and Arnold, Inc. home office.

Staff at these offices are not our employees, but report on our letterhead using our procedures. Each teaming office maintains its own minimum $1 million E&O coverage. We would be pleased to work with local adjusters and investigators with whom you have had good results in the past.

Centralized Assignments and Claims Supervision

To ensure accurate, timely and thorough service, all claims are reported to our head office in San Diego. While we accept assignments through any of our offices, our system of checks and balances works best if assignments are called, faxed or e-mailed to:

(800) 207-9301
(800) 207-9324 FAX

All incoming mail and all outgoing reports and letters are read by a Functional Area Manager (FAM) and one of the Arnolds.  One of the firm principals is always available to discuss claims with you or your clients. 

On receipt of an assignment, we assign a claim to a FAM. We send acknowledgement of receipt of the claim within 24 hours and issue a first report within 10 days.

Our FAM evaluates the investigation required, then assigns the claim to an adjuster at either an Arnold office or one of our teaming offices. The FAM supplies the adjuster with all required instructions and data to accomplish the required investigation.

At the completion of the initial investigation, the adjuster reviews findings with the FAM prior to writing the initial report or making claims handling entries. The adjuster then writes the first report, which is reviewed by the FAM.

The FAM directs additional investigation as required. Reporting continues using formats, data and criteria to meet clients' needs.


Normal claims reporting is via electronic means, including standard sized enclosures. Reports, photographs and enclosures are normally provided as PDF (Adobe Acrobat) documents.

Medical Bill Review
We use bill review companies on all claims as a matter of course. We also use review services to provide medical following on claims that do not seem to be moving along medically, or when a problem is expected at the outset. Using these services involves no extra costs on claims and can both increase medical care effectiveness and decrease care costs.

Billing Procedures

We bill on a monthly cycle, subject to credit approval. Invoicing for work done by teaming office adjusters is sent to us for review. After evaluation, we either pay those bills directly or submit them to the client for payment. We do not add overhead costs to teaming office charges.