Understanding the Commercial Insurance Claims Process


Dealing with commercial claims can be challenging, as insurance companies focus on reducing payouts. Upon filing a claim, the insurer's first response is to send their adjuster to evaluate the damage. Unlike an independent adjuster, this adjuster won't have your best interests at heart.

Generally, the insurance company will undertake the following steps:

  • Adjudication: Initially, you need to provide proof of loss documentation to your insurance company. The insurer will deploy their adjusters to assess your property and gather evidence. Having an independent adjuster at this stage is essential to defend your interests.
  • Submission: After evidence is collected, the following step is to file insurance claims. The submission process might take some time, and you will likely achieve better results with a public adjuster’s assistance. If you haven't received a response within 30 days, you might need to send additional proof-of-loss documentation to your insurance company.
  • Payment: If your claim successfully results in a settlement, you can expect to see your payment within a few days to a few weeks. Lower-end claims will be processed more quickly, while those that have been modified during the process might take up to 6 weeks.

To ensure you make the most of this process, consider hiring a public adjuster in Manhattan Beach. That’s where Excel Adjusters comes in. We offer:

The Insurance Adjuster
  • Advocacy Against The Insurance Adjuster
  • To keep your insurance company from tilting the claims process in their favor, we provide public insurance adjusters and expert guidance. 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 on your behalf.

  • Insurance Industry Expertise
  • Our licensed insurance specialists have extensive expertise in the insurance field, with the ability to interpret policies, accurately assess damages, and strategically negotiate with insurance carriers.

  • Expert Guidance Through the Claims Process
  • Navigating the insurance claims process can be an overwhelming experience, especially when you need to collect and communicate evidence effectively to your insurer. Our knowledgeable public adjusters provide expert guidance, ensuring you remain confident and well-supported from the initial filing of your claim to the final settlement resolution.

  • Efficient Communication with Insurance Companies
  • Our exceptional knowledge of commercial insurance policies allows us to communicate effectively and efficiently with your insurance company. We correspond with them and their claims adjusters using language they understand, ensuring your interests are represented at every step. This leads to a fair and just settlement, giving you everything needed to repair your property.

Efficient Communication
Advocacy Against The Insurance Adjuster

Why Us - Our Services


Providing Loss Assessments Experts as Needed

Our network includes public adjusters and other specialists in Manhattan Beach who are necessary to fortify your insurance claim. Enlisting independent experts is crucial, as the evidence they collect and their assessments will support your interests rather than the insurance company's.

Documenting Property Damage

Once we assess the damages, we thoroughly document all evidence to bolster your insurance claim. This includes unnoticed damage, as we utilize the right experts to pinpoint issues that you or your insurance company might overlook.

Claims Strategy Development

When you bring in a public adjuster, we take the time to meticulously review your individual insurance policies. Our aim is to craft an optimal claims strategy, designed to maximize your insurance claims by considering your policy and property specifics.

Why Us - Our Services
Providing Full Proof of Loss

Providing Full Proof of Loss

Our meticulous evidence documentation and deep policy expertise empower us to deliver comprehensive 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 fully settled, 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 date on our progress.

Negotiation for The Maximum Settlement

Our ability to negotiate with insurance companies is unparalleled, guaranteeing fair and just settlements. We utilize our skills to secure the best possible payouts for your insurance claims.

What Our Commercial Claims Services In Manhattan Beach Cover


Commercial Claims Services Cover
  • Wind & Hail Damage Claims:
  • Frequently associated with severe weather, including thunderstorms, wind and hail damage is a common issue for commercial properties. We will dispatch a public insurance adjuster to evaluate the damage to your roof and other sections of your property.

  • Fire Damage Claims:
  • Fire damage often involves unseen issues like smoke residue and damaged pipes, making claims difficult. Fortunately, we ensure a professional hygienist thoroughly inspects your property before the claim process begins.

  • Water Damage Claims:
  • Water damage can be both expensive and devastating, but we work to identify the cause and gather all the essential evidence required for your insurance claim.

  • Vandalism Claims:
  • Vandalism can be a serious problem for businesses, notably in restrooms and on the building's exterior. Count on us to develop a property insurance claim that helps you obtain the funds needed to clean and replace vandalized property.

  • Theft & Burglary Claims:
  • Despite taking precautions to protect your business, theft and burglary can still happen. In such cases, we thoroughly document everything that was stolen to guarantee you get the payout required to replace stolen items and property.

  • Personalized Claims:
  • We understand that every claim has its own nuances. Our public adjusters deliver personalized attention, tailoring their approach to address the exact type of property damage you’ve experienced.

Providing Full Proof of Loss

Commercial Insurance Claims FAQ

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What is a commercial insurance claim?

Companies submit commercial insurance claims to their insurance providers for financial compensation. This compensation may cover losses or damages to property, assets, or operations caused by events such as storms or vandalism, as detailed in their commercial insurance policy.

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What types of damages are typically covered by commercial insurance?

Commercial insurance often covers damages due to storms, natural disasters, business interruptions, theft, liability, and worker injuries. However, the coverage can vary depending on your region and policy type, so be sure to check your policy details before starting the claims process.

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

The key distinction between a fire claims public adjuster and an insurance adjuster is their focus. Insurance companies will typically appoint an independent adjuster to manage your claim, often skewing the results to their advantage. On the other hand, a public adjuster is someone you employ to work exclusively on your behalf, ensuring your interests are prioritized.

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How can I prevent disputes with my insurance company?

To effectively prevent disputes, the best course of action is to hire a public insurance adjuster in Manhattan Beach. They will gather and document evidence, understand your policy in detail, and maintain open communication, which helps prevent disputes.

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How much does hiring a public adjuster in Manhattan Beach cost?

Public adjusters generally earn a fee based on a percentage of the settlement, driving them to maximize the settlement amount for you.

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