Insurance Policy Experts. Unmatched Client Advocacy.
Your business is vital to your livelihood, and property damage can be a difficult setback. Getting a fair insurance settlement is important, but you might not know where to start or how to make the most of your policy. If you're confused, your insurance company may take advantage by undervaluing or denying your claims.
When dealing with damage from a natural disaster, theft, or other business challenges, hiring a public adjuster is important. They specialize in commercial insurance claims and have a deep understanding of representing property owners and renters.
Excel Adjusters is a public adjusting company with over 2,200 property damage claims successfully settled since 1997. We have over 24 years of experience in handling property claims and will ensure a thorough understanding of your insurance policy. We manage the claims process on behalf of business owners, working to achieve the maximum settlement.
Understanding the Commercial Insurance Claims Process
Commercial claims can be tricky, as insurance companies seek to minimize payouts. When you file a claim, they’ll send their adjuster to evaluate the damage. Unlike an independent adjuster, their adjuster prioritizes the company’s best interests over yours.
Typically, the insurance company will go through these steps:
- Adjudication: Start by submitting proof of loss documentation to your insurance company. Their adjusters will inspect the property and collect evidence. During this process, having an independent adjuster is key to ensuring your interests are properly represented.
- Submission: After collecting the evidence, the next step is filing your insurance claims. The process may take a while, and having a public adjuster can lead to more favorable outcomes. If you haven’t heard back in 30 days, you may need to submit further proof of loss to your insurer.
- Payment: If your claim results in a settlement, expect payment within a few days to a few weeks. Simple claims will be processed quickly, but claims that have been modified can take up to 6 weeks.
To make the most of this process, you may want to hire a public adjuster. Excel Adjusters is here to assist. We offer the following:
- Advocacy Against The Insurance Adjuster
- Insurance Industry Expertise
To avoid bias in the claims process, we provide public adjusters and expert guidance. A public adjuster will help level the playing field, unlike the insurance company's adjuster. You’ll have a trusted advocate working on your behalf throughout the property assessment.
With vast experience in the insurance field, our licensed professionals are skilled at interpreting policies, accurately assessing damages, and negotiating effectively with insurance carriers.
- Expert Guidance Through the Claims Process
- Efficient Communication with Insurance Companies
The claims process can be overwhelming, especially when you’re gathering evidence and submitting it to the insurance company. Our expert public adjusters provide guidance to ensure you’re confident throughout the entire process, from filing the claim to receiving the settlement.
With our unmatched understanding of your commercial insurance policy, we communicate clearly and effectively with your insurance company. We work with them and their claims adjuster to ensure your interests are fully represented. This results in a fair and equitable settlement to cover your property repairs.
Why Us - Our Services
Providing Loss Assessments Experts as Needed
Our connections with public adjusters and other experts will help strengthen your insurance claim. Bringing in independent experts is key, as their findings and analysis will protect your interests, not those of the insurance company.
Documenting Property Damage
Once the damages are assessed, we document every piece of evidence to support your insurance claim. Using the right experts, we uncover any hidden damage that might be missed by either you or the insurance company.
Claims Strategy Development
When you hire a public adjuster, we take a close look at your personal insurance policies. Our goal is to develop a strategy that ensures the best possible outcome for your claims, considering both your property and policy details.
Providing Full Proof of Loss
With our extensive documentation and strong understanding of your policy, we can deliver complete proof of loss to your insurance company.
Managing Complex Communications
We handle all interactions with the insurance company until your case is resolved, making the experience as stress-free as possible. Along the way, we’ll keep you updated and guide you through the fire insurance claim process.
Negotiation for The Maximum Settlement
With our exceptional negotiation abilities, we work with insurance companies to ensure fair and just settlements. When you file a claim, we use our skills to secure the highest possible payouts.
What Our Commercial Claims Services Cover
- Wind & Hail Damage Claims:
- Fire Damage Claims:
- Water Damage Claims:
Commercial properties often experience wind and hail damage, especially during thunderstorms and severe weather. We’ll have a public insurance adjuster assess the damage to your roof and other parts of your property.
Fire damage can be complicated to claim, especially with potential hidden issues like smoke and damaged pipes. To address this, we’ll make sure a professional hygienist thoroughly inspects your property before the claim process begins.
Water damage can cause significant expenses and destruction, but we focus on uncovering the cause and gathering the necessary evidence for your insurance claim.
- Vandalism Claims:
- Theft & Burglary Claims:
- Personalized Claims:
Vandalism can be a major issue for businesses, particularly in restrooms and on the outside of the building. You can trust us to create a property insurance claim that ensures you have the resources to clean and replace the damaged property.
Despite taking security precautions, theft and burglary can still occur. We’ll ensure all stolen items are thoroughly documented so you receive the appropriate payout to replace your stolen property.
We understand the uniqueness of each claim. Our public adjusters provide tailored attention, adapting their approach to the specific type of property damage you’ve had.
What is a commercial insurance claim?
A commercial insurance claim is a formal request for financial compensation from a business to its insurer. It covers damage or loss to property, assets, or operations, such as storm damage or vandalism, according to the insurance policy.
What types of damages are typically covered by commercial insurance?
Commercial insurance usually covers damages from storms, natural disasters, theft, business interruptions, liability, and worker injuries. However, coverage varies by region and policy type, so it’s essential to review your policy before starting the claims process.
What is the difference between a public insurance adjuster and an insurance company adjuster?
A fire claims public adjuster works differently from an insurance adjuster in terms of representation. Insurance companies usually hire independent adjusters, which can lead to results that benefit them. A public adjuster, however, is employed by you to ensure your interests are fully protected.
How can I prevent disputes with my insurance company?
To avoid disputes, hiring a public insurance adjuster is essential. With thorough documentation, a clear understanding of your policy, and open communication, disputes can be kept to a minimum.
How much does hiring a public adjuster cost?
Since public adjusters charge a percentage of the settlement, they are motivated to secure the highest possible payout for you.
If you’re suffering from a homeowner property claim, we can help!
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