Understanding the Commercial Insurance Claims Process


Navigating commercial claims is complex, as insurance companies aim to minimize their payouts. Upon filing a claim, the insurance company's first move is to dispatch their adjuster to evaluate the damage. Unlike an independent adjuster, this adjuster won't have your best interests in mind.

Generally speaking, the insurer will follow these steps:

  • Adjudication: First, proof of loss documentation must be given to your insurance company. The insurer's adjusters will then assess your property and gather evidence. It's important to have an independent adjuster during this phase to protect your interests.
  • Submission: After collecting evidence, the next step is to file insurance claims. This submission process can be time-consuming, and you'll likely see better results with the help of a public adjuster. If you don't hear back within 30 days, you'll probably need to provide additional proof-of-loss documentation to your insurer.
  • Payment: If your claim results in a successful settlement, you can anticipate receiving your payment within a few days to a few weeks. Claims on the lower end will be processed faster, while those that have been modified during the process may take up to 6 weeks.

To get the best results from this process, consider hiring a public adjuster in Arcadia. Excel Adjusters can help with the following services:

The Insurance Adjuster
  • Advocacy Against The Insurance Adjuster
  • To prevent your insurance company from manipulating the claims process, we provide public insurance adjusters and expert advice. Unlike the insurance company’s adjuster, a public adjuster will level the playing field. During your property evaluation, you’ll have an experienced advocate working exclusively for you.

  • Insurance Industry Expertise
  • Our licensed insurance professionals have in-depth knowledge of the insurance industry, with the skills to interpret policies, accurately assess damages, and effectively negotiate with insurance carriers.

  • Expert Guidance Through the Claims Process
  • Handling the insurance claims process can be a stressful and daunting task, especially when collecting and communicating evidence to the insurance company. Our experienced public adjusters provide thorough guidance and expert advice, ensuring you feel confident and well-informed from the moment you file your claim to the final settlement.

  • Efficient Communication with Insurance Companies
  • With our unmatched expertise in commercial insurance policies, we can communicate efficiently and effectively with your insurance company. We liaise with them and their claims adjusters in a language they understand, ensuring your interests are well-represented at every stage. The result is a fair and equitable settlement that provides you with all the resources required to restore your property.

Efficient Communication
Advocacy Against The Insurance Adjuster

Why Us - Our Services


Providing Loss Assessments Experts as Needed

Our connections with public adjusters and other specialists in Arcadia are essential for bolstering your insurance claim. Independent experts are crucial, as the evidence they collect and their analyses will advocate for your interests, not the insurance company's.

Documenting Property Damage

Following our assessment of the damages, we thoroughly document every piece of evidence to reinforce your insurance claim. This involves identifying unseen damage, as we engage the right experts to uncover issues that might be missed by you or your insurance company.

Claims Strategy Development

When you hire a public adjuster, we dedicate the time needed to scrutinize your personal insurance policies. Our goal is to develop the most effective claims strategy, with the aim of maximizing insurance claims by considering the unique details of your policy and property.

Why Us - Our Services
Providing Full Proof of Loss

Providing Full Proof of Loss

Our extensive evidence documentation, coupled with our profound policy understanding, allows us to present complete proof of loss to your insurance company.

Managing Complex Communications

We take over all communications between you and the insurance company until the case is settled, ensuring your experience is as stress-free as possible. Additionally, we guide you through the entire fire insurance claim process, providing regular updates on our progress.

Negotiation for The Maximum Settlement

Our negotiation capabilities with insurance companies are second to none, ensuring fair and just settlements. We employ our skills to achieve the highest possible payouts for your insurance claims.

What Our Commercial Claims Services In Arcadia Cover


Commercial Claims Services Cover
  • Wind & Hail Damage Claims:
  • Often linked with severe weather like thunderstorms, wind and hail damage is a prevalent issue for commercial properties. We will send a public insurance adjuster to inspect the damage to your roof and other areas of your property.

  • Fire Damage Claims:
  • Fire damage claims can be complicated by unseen problems like smoke damage and broken pipes. Luckily, we ensure a professional hygienist thoroughly assesses your property before starting the claim process.

  • Water Damage Claims:
  • Water damage can lead to major expenses and significant devastation, but we focus on identifying the source and gathering all the necessary evidence to support your insurance claim.

  • Vandalism Claims:
  • Vandalism often presents major difficulties for businesses, especially in restrooms and on the exterior of the building. Rely on us to create a property insurance claim that ensures you have the funds needed to clean and replace vandalized property.

  • Theft & Burglary Claims:
  • Even with the best security measures, theft and burglary can still affect your business. In these instances, we thoroughly document everything that was stolen to guarantee you receive the compensation needed to replace the stolen goods and property.

  • Personalized Claims:
  • We realize that every insurance claim is different. Our public adjusters provide customized attention, adjusting their approach to fit the particular type of property damage you’ve sustained.

Providing Full Proof of Loss

Commercial Insurance Claims FAQ

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What is a commercial insurance claim?

Businesses request financial compensation through commercial insurance claims to cover losses or damages to property, assets, or operations. This compensation can include incidents such as storm damage or vandalism, as specified in their commercial insurance policy.

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What types of damages are typically covered by commercial insurance?

Commercial insurance typically provides coverage for damages from storms, natural disasters, business interruptions, theft, liability, and worker injuries. However, the extent of coverage may differ depending on your region and policy type, so review your policy details before beginning the claims process.

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What is the difference between a public insurance adjuster and an insurance company adjuster?

The primary difference between a fire claims public adjuster and an insurance adjuster is their loyalty. Insurance companies appoint independent adjusters to oversee your claim, who may skew the results in favor of the insurer. In contrast, a public adjuster is someone you hire to work solely on your behalf, ensuring your best interests are represented throughout the claims process.

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How can I prevent disputes with my insurance company?

To prevent disputes, the most effective solution is to hire a public insurance adjuster in Arcadia. They will collect and document evidence, understand your policy thoroughly, and ensure open communication, thereby preventing disputes.

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How much does hiring a public adjuster in Arcadia cost?

Public adjusters often charge a percentage of the settlement, which provides an incentive for them to work towards the best possible results for you.

Call:(213) 800-3333
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