Insurance Policy Experts. Unmatched Client Advocacy.
Experiencing a disaster on your property in Los Feliz can be a gut-wrenching experience for your business, which is your livelihood. A fair settlement is necessary for your business's health, but you might be unsure how to start the claims process or maximize your insurance coverage. Any confusion can lead your insurer to deny or undervalue your claims.
If your property has been damaged by a natural disaster, theft, or any other issue businesses might face, you need a public adjuster. These experts in commercial insurance claims have considerable experience representing property owners and renters just like you.
Since 1997, Excel Adjusters has successfully settled more than 2,200 property damage claims as a public adjusting company. With over 24 years of expertise in handling property claims, we become well-versed in your insurance policy's details. We relieve business owners of the claims process, securing maximum settlements on their behalf.
Understanding the Commercial Insurance Claims Process
Commercial claims can be intricate, as insurance companies have a vested interest in minimizing payouts. When you file a claim, the insurance company's first action is to send their adjuster to evaluate the damage. Unlike an independent adjuster, their adjuster won't have your best interests at heart.
The insurance company generally follows these steps:
- Adjudication: First, you need to provide proof of loss documentation to your insurance company. The insurer will send their adjusters to assess your property and gather evidence. It's essential to have an independent adjuster during this phase to safeguard your interests.
- Submission: Once evidence is collected, the next step involves filing insurance claims. The submission process can be prolonged, and better results are typically achieved with a public adjuster’s help. If you haven’t received a response within 30 days, you may need to send more proof-of-loss documentation to your insurer.
- Payment: If your claim successfully leads to a settlement, you can anticipate receiving your payment within a few days to a few weeks. Smaller claims will be processed more quickly, while those that have been altered during the process can take up to 6 weeks.
To maximize your benefits from this process, consider hiring a public adjuster in Los Feliz. Excel Adjusters is here to help. We provide:
- Advocacy Against The Insurance Adjuster
- Insurance Industry Expertise
To stop your insurance company from biasing the claims process, we provide public insurance adjusters and expert advice. Compared to the insurance company’s adjuster, a public adjuster will level the playing field. During your property evaluation, you'll have an experienced advocate working for you.
Our licensed insurance experts have a profound understanding of the insurance industry, with the ability to interpret policies, accurately assess damages, and negotiate effectively with carriers.
- Expert Guidance Through the Claims Process
- Efficient Communication with Insurance Companies
The process of managing insurance claims can be quite overwhelming, particularly when you're tasked with compiling evidence and communicating it effectively to the insurance provider. Our skilled public adjusters provide expert assistance, ensuring you remain confident and supported throughout the entire claims process, from filing to final settlement.
Our comprehensive understanding of commercial insurance policies allows us to communicate seamlessly and effectively with your insurance company. We interact with them and their claims adjusters in a language they understand, guaranteeing effective representation of your interests at every step. The outcome is a fair and equitable settlement, providing you with all the necessary resources to restore your property.
Why Us - Our Services
Providing Loss Assessments Experts as Needed
Our well-established connections with public adjusters and other professionals in Los Feliz can strengthen your insurance claim. Bringing in independent experts is vital, as the evidence they collect and their analyses will advocate for your interests, not the insurance company's.
Documenting Property Damage
Once we have evaluated the damages, we meticulously document all evidence necessary to strengthen your insurance claim. This includes hidden damages, as we utilize the right experts to identify problems that you or your insurance company might miss.
Claims Strategy Development
When you hire a public adjuster, we take the necessary time to carefully study your personal insurance policies. Our aim is to formulate an optimal claims strategy, ensuring that your insurance claims are maximized in accordance with your policy and property details.
Providing Full Proof of Loss
Our careful documentation of evidence, along with our thorough policy knowledge, enables us to deliver complete proof of loss to your insurance company.
Managing Complex Communications
We take charge of all communications between you and your insurance company until the case is resolved, aiming to make your experience as stress-free as possible. Furthermore, we guide you through the entire fire insurance claim process, keeping you up to speed on our progress.
Negotiation for The Maximum Settlement
Our negotiation prowess with insurance companies ensures fair and equitable settlements. We use our skills to secure the highest possible payouts when you file insurance claims.
What Our Commercial Claims Services In Los Feliz Cover
- Wind & Hail Damage Claims:
- Fire Damage Claims:
- Water Damage Claims:
Wind and hail damage, typically associated with thunderstorms and other severe weather events, is a common issue for commercial properties. We will send a public insurance adjuster to assess the damage to your roof and other sections of your property.
With the potential for unseen issues such as smoke damage and broken pipes, fire damage claims can be challenging. Luckily, we ensure a professional hygienist evaluates your property thoroughly before starting the claim process.
Though water damage can be devastating and expensive, we will identify the source of the issue and gather all the evidence required to present a strong insurance claim.
- Vandalism Claims:
- Theft & Burglary Claims:
- Personalized Claims:
Vandalism can be a major issue for businesses, particularly in restrooms and on the building's exterior. Count on us to prepare a property insurance claim that helps you secure the necessary funds to clean and replace vandalized property.
Although precautions are taken to protect your business, theft and burglary can still occur. In these situations, we document everything that was stolen meticulously to guarantee you receive the payout needed to replace stolen items and property.
We recognize that each insurance claim is unique. Our public adjusters deliver personalized attention, customizing their approach to the particular type of property damage you’ve encountered.
What is a commercial insurance claim?
Companies file commercial insurance claims with their insurers to obtain financial compensation for losses or damages. The compensation can include property, assets, or operational damages caused by events like storms or vandalism, as specified in their commercial insurance policy.
What types of damages are typically covered by commercial insurance?
Commercial insurance often includes coverage for damages from storms, natural disasters, business interruptions, theft, liability, and worker injuries. However, the specifics can vary based on your region and policy type, so review your policy details before starting the claims process.
What is the difference between a public insurance adjuster and an insurance company adjuster?
The main distinction between a fire claims public adjuster and an insurance adjuster is whose interests they prioritize. Insurance companies often assign independent adjusters to handle claims, who may bias the results in favor of the insurer. Conversely, a public adjuster is hired by you to advocate for your best interests and to secure a fair settlement.
How can I prevent disputes with my insurance company?
The most reliable way to prevent disputes is to hire a public insurance adjuster in Los Feliz. Their expertise in gathering and documenting evidence, understanding your policy, and maintaining open communication will significantly reduce the chance of disputes.
How much does hiring a public adjuster in Los Feliz cost?
Public adjusters usually earn their fee as a percentage of the settlement amount, which encourages them to secure the maximum settlement for you.
If you’re dealing with complications from a homeowner property claim in Los Feliz, we are here to help!
Contact Us Today for a Free Consultation*According to the Insurance Information Institute
