Understanding the Commercial Insurance Claims Process

Handling commercial claims can be tricky, with insurance companies striving to limit payouts. When you file a claim, the insurer's initial step is to send their adjuster to assess the damage. Unlike an independent adjuster, this adjuster won't prioritize your best interests.

Typically, the insurer will adhere to these steps:

  • Adjudication: Initially, proof of loss documentation needs to be submitted to your insurance company. The insurance company will deploy their adjusters to evaluate your property and collect evidence. Having an independent adjuster at this stage is vital to defend your interests.
  • Submission: After the evidence has been gathered, the next step is filing insurance claims. The process can be lengthy, and hiring a public adjuster can improve your outcomes. If you don't hear back within 30 days, you might need to send further proof-of-loss documentation to your insurance company.
  • Payment: Once your claim results in a settlement, you can expect your payment within a few days to a few weeks. Insurance claims on the lower end will be processed faster, while claims that have been altered during the process can take up to 6 weeks.

To make the most of this process, it’s wise to hire a public adjuster in Pasadena. That’s where Excel Adjusters comes into play. We offer:

The Insurance Adjuster
  • Advocacy Against The Insurance Adjuster
  • To avoid your insurance company skewing the claims process, we offer public insurance adjusters and expert guidance. A public adjuster will level the playing field compared to the insurance company’s adjuster. While your property is being assessed, you'll have a knowledgeable advocate working on your behalf.

  • Insurance Industry Expertise
  • Our licensed insurance specialists possess extensive knowledge of the industry and the skills to interpret policies, assess damages accurately, and negotiate strategically with insurers.

  • Expert Guidance Through the Claims Process
  • Navigating the complexities of the insurance claims process can be a formidable challenge, especially when you need to gather and present evidence to your insurer. Our seasoned public adjusters offer expert guidance, ensuring you feel confident and well-supported from the initial claim filing to the final settlement agreement.

  • Efficient Communication with Insurance Companies
  • Our deep knowledge of commercial insurance policies enables us to communicate effectively and efficiently with your insurance company. We correspond with them and their claims adjusters in a language they comprehend, ensuring your interests are represented throughout the process. 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

We have a robust network of public adjusters and other experts in Pasadena who can enhance your insurance claim. Involving independent professionals is crucial since the evidence they gather and their assessments will support your interests over those of the insurance company.

Documenting Property Damage

After assessing the damages, we carefully document all pertinent evidence to support your insurance claim. This includes unseen damage, as we employ the right experts to detect problems that you or your insurer might overlook.

Claims Strategy Development

By engaging a public adjuster, we commit to thoroughly examining your individual insurance policies. Our objective is to create the best possible claims strategy, tailored to maximize your insurance claims based on the specific aspects of your policy and property.

Why Us - Our Services
Providing Full Proof of Loss

Providing Full Proof of Loss

With our detailed documentation of evidence and vast policy expertise, we are equipped to provide your insurance company with full proof of loss.

Managing Complex Communications

We manage all interactions between the policyholder and the insurance company until the case is fully settled, helping to make your experience as smooth and stress-free as possible. We also guide you through the complete fire insurance claim process, updating you regularly on our progress.

Negotiation for The Maximum Settlement

We specialize in negotiating with insurance companies to secure fair and just settlements. When you file insurance claims, we utilize our expertise to achieve the best possible payouts.

What Our Commercial Claims Services In Pasadena Cover

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

  • Fire Damage Claims:
  • Due to the possibility of hidden issues from smoke and damaged pipes, fire damage can be tricky to claim. Fortunately, we will arrange for a professional hygienist to conduct a thorough evaluation of your property before the claim process begins.

  • Water Damage Claims:
  • Water damage is often both costly and devastating, but we work to pinpoint the problem's source and collect all the evidence you need for your insurance claim.

  • Vandalism Claims:
  • Businesses can face considerable headaches due to vandalism, especially in restrooms and on the building's exterior. Trust us to develop a property insurance claim that provides the support you need to clean and repair the damage.

  • Theft & Burglary Claims:
  • Despite implementing protective measures, theft and burglary can still happen to your business. In such cases, we’ll carefully document all stolen items to ensure you get the necessary payout to replace stolen goods and property.

  • Personalized Claims:
  • We understand that no two claims are alike. Our public adjusters offer individualized attention, tailoring their strategy to the specific property damage you’ve experienced.

Providing Full Proof of Loss

Commercial Insurance Claims FAQ

faq icon
What is a commercial insurance claim?

Commercial insurance claims are made by businesses to their insurance providers for financial compensation. This compensation covers losses or damages to their property, assets, or operations, including storm damage and vandalism, as detailed in their commercial insurance policy.

faq icon
What types of damages are typically covered by commercial insurance?

Damages caused by storms, natural disasters, business interruptions, theft, liability, and worker injuries are usually covered under commercial insurance policies. However, coverage can vary by region and policy type, so it is crucial to review your policy before starting the claims process.

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

The key difference between a fire claims public adjuster and an insurance adjuster is rooted in their dedication. Insurance companies typically appoint independent adjusters to manage claims, often favoring the insurer’s interests. On the other hand, a public adjuster is hired by you to work exclusively for your benefit, ensuring your interests are at the forefront of the claims process.

faq icon
How can I prevent disputes with my insurance company?

Hiring a public insurance adjuster in Pasadena is the best way to avoid disputes. Their skills in gathering and documenting evidence, understanding your policy, and keeping communication open will help in preventing disputes.

faq icon
How much does hiring a public adjuster in Pasadena cost?

The fee for public adjusters is typically a percentage of the settlement, motivating them to achieve the best possible outcome in your favor.

Call:(213) 800-3333
Skip to content