Insurance Policy Experts. Unmatched Client Advocacy.
Your business is your livelihood, and experiencing a disaster on your property can be deeply distressing. To safeguard your business's well-being, you need a fair settlement, but navigating the claims process can be challenging. Any uncertainty on your part may lead to your insurance company denying or undervaluing your claim.
Whether your property has been damaged by a natural disaster, theft, or other typical business challenges, a public adjuster is invaluable. These professionals are adept in handling commercial insurance claims and have extensive experience representing property owners and renters in situations like yours.
Excel Adjusters is a public adjusting firm with a proven track record of settling over 2,200 property damage claims since 1997. With more than 24 years of experience in managing property claims, we thoroughly understand the details of your insurance policy. We alleviate the stress of the claims process by representing business owners and striving for a fair and reasonable settlement.
Understanding the Commercial Insurance Claims Process
Navigating commercial claims can be complex, as insurance companies often aim to minimize their payouts. When you file a claim in Orange County, the insurer will promptly send their adjuster to assess the damage. Unlike an independent adjuster, their adjuster is focused on protecting the insurer’s interests, not yours.
Typically, the insurance company will proceed with the following steps:
- Adjudication: Initially, you must submit proof of loss documentation to your insurance company. The company will then deploy their adjusters to evaluate your property and collect evidence. At this stage, it is essential to have an independent adjuster to represent your interests.
- Submission: Once evidence has been collected, the subsequent step is to file your insurance claim. The submission process may take some time, and engaging a public adjuster can enhance your results. If you do not receive a response within 30 days, you will likely need to provide additional proof-of-loss documentation to your insurance company.
- Payment: If your claim is successfully settled, you can anticipate receiving your payment within a few days to a few weeks. Claims involving smaller amounts typically have a shorter processing time, while claims that have undergone changes during the process may take up to six weeks.
To optimize this process, hiring a public adjuster is advisable. Excel Adjusters in Orange County are here to assist. We provide:
- Advocacy Against The Insurance Adjuster
- Insurance Industry Expertise
To ensure that the claims process remains unbiased and fair, we offer the services of public insurance adjusters and expert guidance. Unlike the adjusters employed by the insurance company, a public adjuster works solely on your behalf, providing a balanced perspective. Throughout the property evaluation, you will have a knowledgeable advocate dedicated to protecting your interests.
Our team of licensed insurance professionals brings a wealth of experience to the table. They are proficient in deciphering insurance policies, conducting thorough damage assessments, and negotiating effectively with insurance carriers to ensure that your interests are well-represented.
- Expert Guidance Through the Claims Process
- Efficient Communication with Insurance Companies
The claims process can be complex and daunting, particularly when it comes to collecting and presenting evidence to support your claim. Our seasoned public adjusters offer expert guidance throughout the entire process, from filing your claim to securing the final settlement, ensuring that you are well-informed and confident every step of the way.
Our thorough expertise in your commercial insurance policy allows us to interact with your insurance company and their claims adjuster efficiently. By speaking their language and addressing their requirements, we advocate for your interests effectively throughout the process. This approach ensures a fair settlement that provides adequate resources for repairing your property.
Why Us - Our Services
Providing Loss Assessments Experts as Needed
We have strong connections with public adjusters and other experts essential for strengthening your insurance claim. Engaging independent experts is vital because the evidence they collect and their analyses are focused on supporting your interests, rather than serving the insurance company’s agenda.
Documenting Property Damage
After evaluating the damages, we ensure comprehensive documentation of all evidence supporting your insurance claim. We also focus on identifying any hidden damages by working with experts who can uncover issues that may not be apparent to you or your insurance company.
Claims Strategy Development
When you engage a public adjuster, we thoroughly review your individual insurance policies to understand the details and nuances. Our aim is to craft a tailored claims strategy that optimizes your insurance settlement by leveraging both the specifics of your policy and the unique aspects of your property.
Providing Full Proof of Loss
Our comprehensive documentation and in-depth understanding of your policy enable us to present a complete proof of loss to your insurance company. This thorough approach ensures that all evidence is meticulously compiled and clearly demonstrated to support your claim.
Managing Complex Communications
We manage all interactions between you and the insurance company throughout the entire claims process, ensuring a smooth and stress-free experience. Our team will also provide continuous updates on the progress of your fire insurance claim, guiding you every step of the way.
Negotiation for Fair and Reasonable Settlement
Our expert negotiation with insurance companies ensures that you receive fair and equitable settlements. By leveraging our skills during the claims process, we strive to secure fair and reasonable payouts for your insurance claims.
What Our Commercial Claims Services Cover
- Wind & Hail Damage Claims:
- Fire Damage Claims:
- Water Damage Claims:
Wind and hail damage, frequently linked to thunderstorms and severe weather, is a prevalent concern for commercial properties. We will dispatch a public insurance adjuster to evaluate the damage to your roof and other areas of your property, ensuring a thorough assessment.
The process of claiming fire damage can be complicated by concealed issues like smoke damage and broken pipes. To manage this, we will have a professional hygienist thoroughly inspect your Orange County property before the claims process begins.
Water damage can be both costly and severe, but our team focuses on pinpointing the root cause of the issue and collecting all necessary evidence to support your insurance claim effectively.
- Vandalism Claims:
- Theft & Burglary Claims:
- Personalized Claims:
Vandalism can create considerable problems for businesses, impacting both restrooms and the exterior of buildings. We are here to develop an effective property insurance claim to help you address the costs associated with cleaning and restoring vandalized property.
Despite taking preventive measures, theft and burglary can still affect your business. In such cases, we will meticulously document all stolen items to guarantee that you receive the necessary payout to replace lost goods and property.
Recognizing that each claim is distinct, our public adjusters offer individualized attention by customizing their approach to address the specific type of property damage you have encountered.
What is a commercial insurance claim?
Commercial insurance claims are formal requests by businesses seeking financial compensation from their insurance provider. These claims cover losses or damages to property, assets, or operations, such as those caused by storms or vandalism, according to the terms outlined in their commercial insurance policy.
What types of damages are typically covered by commercial insurance in Orange County?
Commercial insurance generally includes coverage for damages from storms, natural disasters, business interruptions, theft, liability, and employee injuries. Coverage details can differ based on your location and the type of policy you have, so it is important to review your policy carefully before initiating a claim.
What is the difference between a public insurance adjuster and an insurance company adjuster?
A fire claims public adjuster differs from an insurance adjuster primarily in their commitment to your interests. Insurance companies use independent adjusters who may influence the claim process to favor the insurer. On the other hand, a public adjuster, whom you hire, works specifically to represent your interests and secure a fair settlement.
How can I prevent disputes with my insurance company?
Hiring a public insurance adjuster is a proactive approach to preventing disputes. By meticulously documenting and gathering evidence, understanding your policy thoroughly, and fostering open communication, they help reduce the likelihood of disagreements during the claims process.
How much does hiring a public adjuster cost?
Public adjusters typically earn a percentage of the settlement, which creates a financial incentive for them to help you receive a fair and reasonable settlement. This fee structure ensures they are motivated to deliver the most favorable results for your claim.
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
