Insurance Policy Experts. Unmatched Client Advocacy.
Your business is essential for your livelihood, and facing damage to your property can be distressing. You deserve a fair settlement to protect your business's future, but navigating the claims process can be challenging. Any uncertainty could lead to your insurance company denying or underestimating your claims.
If your property has been damaged by a natural disaster, theft, or other business-related issues, a public adjuster is essential. They are experts in handling commercial insurance claims and have significant experience helping property owners and renters.
Excel Adjusters is a public adjusting firm that has successfully handled over 2,200 property damage claims since 1997. With more than 24 years of experience, we thoroughly understand your insurance policy. We ease the burden of the claims process by working on behalf of business owners to secure the best possible settlement.
Understanding the Commercial Insurance Claims Process
Commercial claims can be complex, as insurance companies often aim to minimize payouts. When you file a claim, their first step is to send their own adjuster to assess the damage. However, unlike an independent adjuster, their adjuster is focused on protecting the company’s interests, not yours.
Typically, the insurance company will proceed with the following steps:
- Adjudication: First, you must submit proof of loss documentation to your insurance company. Their adjusters will then assess the property and gather evidence. It’s important to have an independent adjuster at this stage to protect your interests.
- Submission: Once the evidence is collected, the next step is to file your insurance claims. This process may take time, but hiring a public adjuster can help improve the outcome. If you don’t receive a response within 30 days, you may need to provide additional proof of loss to your insurance company.
- Payment: If your claim leads to a settlement, you can expect payment within a few days to a few weeks. Claims with lower amounts are processed faster, while modified claims may take up to 6 weeks.
To get the best results from this process, it’s advisable to hire a public adjuster. Excel Adjusters is here to help with that. We provide the following services:
- Advocacy Against The Insurance Adjuster
- Insurance Industry Expertise
To ensure the claims process is fair, we offer public insurance adjusters and expert support. A public adjuster helps balance the process, unlike the insurance company's adjuster. While your property is assessed, you’ll have a dedicated professional working in your best interest.
Our licensed insurance experts have in-depth knowledge of the industry, enabling them to understand policies, evaluate damages accurately, and negotiate effectively with insurance providers.
- Expert Guidance Through the Claims Process
- Efficient Communication with Insurance Companies
The claims process can be daunting, particularly when gathering and presenting evidence to the insurance company. Our experienced public adjusters offer expert guidance to help you feel confident throughout the entire process, from filing the claim to receiving the settlement.
Our deep understanding of your commercial insurance policy enables us to communicate clearly and efficiently with your insurance company. We handle all correspondence with them and their adjuster in a way that ensures your interests are fully represented. This results in a fair settlement that covers all your property repair needs.
Why Us - Our Services
Providing Loss Assessments Experts as Needed
We have strong connections with public adjusters and other experts who can strengthen your insurance claim. Independent experts are essential because their evidence and analysis will support your interests, not the insurance company’s.
Documenting Property Damage
After evaluating the damage, we carefully document all evidence to support your insurance claim. We also identify hidden damage by bringing in the right experts to spot issues that may be overlooked by you or the insurance company.
Claims Strategy Development
When you hire a public adjuster, we carefully review your personal insurance policies. Our goal is to create a tailored claims strategy that maximizes your insurance claims based on the specifics of your policy and property.
Providing Full Proof of Loss
Our thorough documentation and deep understanding of your policy will enable us to present complete proof of loss to your insurance company.
Managing Complex Communications
We handle all communication between you and the insurance company until the case is resolved, ensuring a stress-free experience. Additionally, we guide you through the entire fire insurance claim process, keeping you informed every step of the way.
Negotiation for The Maximum Settlement
We offer unmatched negotiation services with insurance companies to ensure fair and just settlements. Our expertise helps secure the best possible payouts when you file insurance claims.
What Our Commercial Claims Services Cover
- Wind & Hail Damage Claims:
- Fire Damage Claims:
- Water Damage Claims:
Wind and hail damage, often linked to thunderstorms and severe weather, is a frequent problem for commercial properties. We will send a public insurance adjuster to evaluate the damage to your roof and other areas of your property.
Fire damage can be difficult to claim due to potential hidden issues like smoke damage and broken pipes. Fortunately, we’ll make sure a professional hygienist thoroughly evaluates your property before starting the claim process.
Water damage can be costly and destructive, but we focus on finding the source of the issue and gathering the necessary evidence for your insurance claim.
- Vandalism Claims:
- Theft & Burglary Claims:
- Personalized Claims:
Vandalism can cause significant problems for businesses, particularly in restrooms and on the building’s exterior. You can rely on us to create a property insurance claim that covers the costs of cleaning and replacing damaged property.
Even with precautions in place, theft and burglary can still happen. We will thoroughly document all stolen items to ensure you receive the payout necessary to replace your stolen goods and property.
We recognize that each claim is different. Our public adjusters offer personalized service, customizing their approach to suit the specific property damage you’ve encountered.
What is a commercial insurance claim?
Commercial insurance claims are made by businesses to request financial compensation from their insurer. This compensation covers losses or damages to property, assets, or operations as outlined in the company’s insurance policy.
What types of damages are typically covered by commercial insurance?
Commercial insurance usually covers damages from storms, natural disasters, business interruptions, theft, liability, and worker injuries. However, coverage may differ depending on your region and policy type, so it’s important to review your policy before beginning the claims process.
What is the difference between a public insurance adjuster and an insurance company adjuster?
The key difference between a fire claims public adjuster and an insurance adjuster is who they represent. Insurance companies hire independent adjusters who may prioritize their interests over yours. A public adjuster, however, works for you, ensuring your best interests are represented.
How can I prevent disputes with my insurance company?
Hiring a public insurance adjuster is the best way to avoid disputes. With proper documentation, evidence gathering, policy knowledge, and clear communication, disputes can be prevented.
How much does hiring a public adjuster cost?
Public adjusters usually charge a percentage of the settlement, motivating them to achieve the best possible outcome for you.
If you’re suffering from a homeowner property claim, we can help!
Contact Us Today for a Free Consultation*According to the Insurance Information Institute
