Understanding the Commercial Insurance Claims Process

Dealing with commercial claims is complex, with insurance companies aiming to reduce payouts. Upon filing a claim, the insurance company will send their adjuster to assess the damage. Unlike an independent adjuster, this adjuster won't have your best interests in mind.

In most cases, the insurance company will proceed with the following steps:

  • Adjudication: To start, proof of loss documentation must be submitted to your insurance company. The insurance company will use their adjusters to evaluate your property and collect evidence. It’s crucial to have an independent adjuster during this phase to defend your interests.
  • Submission: After evidence has been gathered, the next step is to submit your insurance claims. This process can take a while, and hiring a public adjuster can lead to better results. If you haven’t heard back within 30 days, you might need to provide additional proof-of-loss documentation to your insurance company.
  • Payment: When your claim results in a settlement, you can expect to receive your payment within a few days to a few weeks. Claims on the lower end will be processed faster, while claims altered during the process can take up to 6 weeks.

To make the most of the claims process, you should consider hiring a public adjuster in Eagle Rock. That’s where Excel Adjusters steps in. We offer:

The Insurance Adjuster
  • Advocacy Against The Insurance Adjuster
  • To prevent your insurance company from tilting the claims process in their favor, we offer public insurance adjusters and expert guidance. A public adjuster will level the playing field, unlike the insurance company’s adjuster. While your property is being assessed, you'll have a knowledgeable advocate working exclusively for you.

  • Insurance Industry Expertise
  • Our licensed insurance professionals are highly skilled in the industry, able to interpret policies, accurately assess damages, and negotiate strategically with insurance carriers.

  • Expert Guidance Through the Claims Process
  • Navigating through the complex claims process can be a daunting experience, especially when gathering and presenting necessary evidence to your insurance company. Our experienced public adjusters offer expert support and guidance, ensuring you feel confident and secure from the moment you file your claim until the final settlement is concluded.

  • Efficient Communication with Insurance Companies
  • With our unparalleled expertise in commercial insurance policies, we communicate efficiently and effectively with your insurance company. We engage with them and their claims adjusters in a language they comprehend, ensuring that your interests are well-represented throughout the process. This results in a fair and just settlement, equipping you with everything needed to repair your property.

Efficient Communication
Advocacy Against The Insurance Adjuster

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We maintain strong relationships with public adjusters and other specialists in Eagle Rock who you need to fortify your insurance claim. Engaging independent experts is essential, as the evidence they gather and the analyses they provide will support your interests rather than the insurance company's.

Documenting Property Damage

After our damage assessment, we thoroughly document any and all evidence to bolster your insurance claim. This includes unnoticed damage, as we bring in the right experts to uncover issues that you or your insurer might overlook.

Claims Strategy Development

Upon enlisting a public adjuster, we thoroughly review your individual insurance policies. Our goal is to develop the best possible claims strategy, designed to maximize insurance claims based on the unique specifics of your policy and property.

Why Us - Our Services
Providing Full Proof of Loss

Providing Full Proof of Loss

By meticulously documenting evidence and utilizing our extensive policy knowledge, we can present full proof of loss to your insurance company.

Managing Complex Communications

We handle all communications between the policyholder and the insurance company until the claim is settled, helping to make your experience as seamless and stress-free as possible. We also guide you through the complete fire insurance claim process, keeping you updated on our progress.

Negotiation for The Maximum Settlement

We provide exceptional negotiation with insurance companies to obtain fair and just settlements. Our expertise ensures the best possible payouts when you file insurance claims.

What Our Commercial Claims Services In Eagle Rock Cover

Commercial Claims Services Cover
  • Wind & Hail Damage Claims:
  • Often linked with severe weather such as thunderstorms, wind and hail damage is a regular concern for commercial properties. We will dispatch a public insurance adjuster to inspect the damage to your roof and other portions of your property.

  • Fire Damage Claims:
  • Fire damage can involve hidden problems like smoke residue and damaged pipes, making it tricky to claim. Fortunately, we will have a professional hygienist thoroughly inspect your property before the claim process starts.

  • Water Damage Claims:
  • Water damage can result in high costs and considerable devastation, but we work to locate the source and compile all the necessary evidence to substantiate your insurance claim.

  • Vandalism Claims:
  • Dealing with vandalism can be a significant problem for businesses, especially in restrooms and on the exterior of the building. Trust us to create a property insurance claim that provides you with the resources needed to clean and repair the damage.

  • Theft & Burglary Claims:
  • Even with security measures in place, theft and burglary can still impact your business. In these instances, we’ll thoroughly document all stolen items to ensure you get the necessary compensation to replace the stolen goods and property.

  • Personalized Claims:
  • We know that every claim has its own specifics. Our public adjusters provide tailored attention, adapting their strategy to address the exact property damage you’ve sustained.

Providing Full Proof of Loss

Commercial Insurance Claims FAQ

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What is a commercial insurance claim?

Commercial insurance claims involve businesses requesting financial compensation from their insurers. This compensation covers losses or damages to property, assets, or operations, including incidents such as storm damage or vandalism, as outlined in their commercial insurance policy.

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What types of damages are typically covered by commercial insurance?

Typically, commercial insurance policies cover damages caused by storms, natural disasters, business interruptions, theft, liability, and worker injuries. Coverage, however, can vary depending on your region and policy type, so be sure to review your policy specifics 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 allegiance. Insurance companies appoint independent adjusters to oversee claims, likely skewing the results to their advantage. In contrast, a public adjuster is someone you hire to represent your interests and ensure you receive the best possible settlement.

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How can I prevent disputes with my insurance company?

To effectively prevent disputes, hire a public insurance adjuster in Eagle Rock. Their ability to gather and document evidence, coupled with a deep understanding of your policy and open communication, will help prevent disputes.

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How much does hiring a public adjuster in Eagle Rock cost?

Typically, public adjusters take a cut of the settlement as their fee, driving them to get the best results for your claim.

Call:(213) 800-3333
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