Insurance Policy Experts in Newport Beach. Unmatched Client Advocacy.
Your business is your livelihood, and when disaster strikes, it can be a tough blow. You need a fair settlement to restore your business, but you may be unsure about how to start the claims process or how to get the most out of your insurance coverage in Newport Beach. Any confusion can lead to your insurance company undervaluing or denying your claim.
Whether your property has been damaged by a natural disaster, theft, or other issues, hiring a public adjuster is crucial. These professionals have the expertise in commercial insurance claims and years of experience representing business owners and renters.
Excel Adjusters has settled over 2,200 property damage claims since 1997. With over 24 years of experience, we’ll guide you through the details of your insurance policy and work hard to secure the best possible settlement for your business.
Understanding the Commercial Insurance Claims Process
Filing a commercial claim can be a tricky process, as insurance companies often prioritize paying as little as possible. When you file a claim, they’ll send their adjuster to inspect the damage. However, this adjuster is employed by the insurance company, which means their evaluation might not fully represent your needs.
The insurance company generally follows specific steps in handling claims. To ensure you receive a fair payout, it’s smart to hire a public adjuster. That’s where Excel Adjusters comes in. We offer:
- Advocacy Against The Insurance Adjuster: With the help of our public insurance adjusters and expert guidance, we ensure that your insurance company doesn’t have the upper hand during the claims process. A public adjuster will advocate for you, making sure your property is properly evaluated and that your interests are protected.
- Insurance Industry Expertise: Our licensed insurance professionals in Newport Beach have a deep understanding of the insurance industry, allowing them to accurately assess damages, interpret policies, and negotiate effectively with insurance carriers for your benefit.
- Expert Guidance Through the Claims Process: Dealing with the insurance claims process can be challenging, particularly when you're gathering evidence and presenting it to the insurer. Our skilled public adjusters provide expert advice and support, guiding you every step of the way—from filing the claim to securing the final settlement.
- Efficient Communication with Insurance Companies: With our in-depth understanding of your commercial insurance policy, we ensure clear and effective communication with your insurance company. We work closely with their claims adjuster, using language they understand to represent your interests at every stage. This approach guarantees a fair settlement that covers all your property repair needs.
Why Us - Our Services
Expert Loss Assessments for Your Claim
We work alongside skilled public adjusters and other experts to provide thorough loss assessments for your insurance claim. These independent professionals focus on your interests, ensuring their findings work for you rather than the insurance company.
Comprehensive Documentation of Damage
After reviewing the damages, we document all evidence to build a strong foundation for your claim. We also involve specialists who can identify hidden damage, making sure nothing is missed by you or the insurance company.
Strategic Claims Approach
We dedicate time to reviewing your insurance policy in detail, ensuring that we understand your coverage fully. This enables us to create a tailored strategy that seeks to maximize your insurance claim by aligning it with both your policy terms and property specifics.
Providing Full Proof of Loss
Our detailed documentation and expertise in insurance policies allow us to provide complete proof of loss to your insurer, giving your claim the best chance for approval.
Handling All Communications
We manage all communication with the insurance company on your behalf, helping you avoid stress. Throughout the fire insurance claim process, we keep you informed and offer guidance until your case is settled.
Negotiating the Best Settlement for You
We negotiate relentlessly to secure the highest possible settlement for your claim. Our team’s expertise ensures you get the best payout, providing you with fair compensation for your losses.
What Our Commercial Claims Services Cover
- Wind & Hail Damage Claims:
- Fire Damage Claims:
- Water Damage Claims:
Wind and hail damage, typically caused by storms, can affect various areas of your property. We’ll deploy a public adjuster to assess the damage to your roof and other parts of your commercial property in Newport Beach.
Fire damage is tricky, with potential hidden issues like smoke, water damage, and damaged pipes. We’ll have a professional hygienist conduct a thorough inspection of your property before starting the claims process.
Water damage can be both expensive and damaging. We’ll identify the root cause and gather all the necessary evidence to support your insurance claim.
- Vandalism Claims:
- Theft & Burglary Claims:
- Personalized Claims:
Vandalism can cause significant disruptions for businesses, especially when it affects restrooms or the exterior of your building. We’ll work with you to create a comprehensive property insurance claim to help you clean up and replace any damaged items.
Despite precautions, theft and burglary can still happen. If this occurs, we’ll thoroughly document all stolen property to ensure you receive the appropriate payout to replace what was taken.
Every claim is unique, which is why we offer personalized attention. Our public adjusters customize their approach based on the specific property damage you’ve experienced.
What is a commercial insurance claim?
When businesses experience damage to their property, assets, or operations, they file commercial insurance claims to request financial compensation. These claims, whether due to storm damage or vandalism, are processed based on the terms of the company’s commercial insurance policy.
What types of damages are typically covered by commercial insurance?
Coverage under commercial insurance usually includes damages from storms, natural disasters, business interruptions, theft, liability, and worker injuries. However, the specifics can vary depending on your location and policy type, so it’s advisable to review your policy details before you proceed with your claim.
What is the difference between a public insurance adjuster and an insurance company adjuster?
The key difference between a public adjuster for fire claims and an insurance adjuster is the focus of their interests. While an insurance company will assign an independent adjuster to assess your claim, that adjuster may prioritize the company’s interests. In contrast, a public adjuster works for you, advocating on your behalf to ensure the best outcome.
How can I prevent disputes with my insurance company?
To prevent disputes, it’s crucial to hire a public insurance adjuster. Their careful documentation of evidence, clear understanding of your insurance policy, and proactive communication are essential in minimizing conflicts throughout the claims process.
How much does hiring a public adjuster cost?
A public adjuster’s fee is typically a percentage of the settlement, which aligns their interests with yours in securing the maximum compensation.
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