Insurance Policy Experts. Unmatched Client Advocacy.
The well-being of your business depends on fair insurance coverage, and damage to your property can be a tough experience. You need the right settlement, but the claims process might feel complicated. If you're unsure, your insurance company may take advantage of the confusion to reduce or deny your claims.
Whether it’s a natural disaster, theft, or another common business issue, you’ll need a public adjuster. They are skilled in commercial insurance claims and have extensive experience helping property owners and renters.
Excel Adjusters is a trusted public adjusting company with over 2,200 property damage claims settled since 1997. With more than 24 years of expertise, we ensure a full understanding of your insurance policy. We handle the claims process for business owners, striving for the maximum settlement possible.
Understanding the Commercial Insurance Claims Process
Commercial claims can be difficult to navigate, with insurance companies aiming to minimize their payouts. When you make a claim, they will send their own adjuster to inspect the damage. Unlike an independent adjuster, theirs is aligned with the company’s interests, not yours.
The insurance company usually follows these steps:
- Adjudication: Initially, you need to submit proof of loss documentation to your insurance company. The insurance company’s adjusters will assess the damage and gather evidence. It’s vital to have an independent adjuster during this stage to represent your interests.
- Submission: After the evidence is collected, it’s time to file your insurance claims. The submission process can be lengthy, but a public adjuster can help ensure better results. If you don’t hear back within 30 days, you may need to submit additional proof of loss to the insurer.
- Payment: If your claim is settled successfully, you should receive payment within a few days to a few weeks. Smaller claims are processed more quickly, while modified claims may take as long as 6 weeks.
To ensure the best outcome, consider hiring a public adjuster. Excel Adjusters is here to support you. Our services include:
- Advocacy Against The Insurance Adjuster
- Insurance Industry Expertise
To prevent the insurance company from influencing the claims process, we offer public adjusters and expert assistance. A public adjuster ensures a fairer process compared to the insurer's own adjuster. During the property evaluation, you'll have a skilled advocate representing your best interests.
Our team of licensed insurance professionals has a deep understanding of the industry, allowing them to accurately assess damages, interpret policies, and negotiate strategically with insurance carriers.
- Expert Guidance Through the Claims Process
- Efficient Communication with Insurance Companies
The claims process can be challenging, especially when gathering evidence and communicating it to the insurance company. Our knowledgeable public adjusters offer guidance to ensure you remain confident from the moment you file the claim until the settlement is complete.
Our comprehensive understanding of your commercial insurance policy allows us to communicate efficiently with your insurance company. We handle all interactions with them and their adjuster in a manner that guarantees your interests are well represented. This leads to a fair settlement that meets your property repair requirements.
Why Us - Our Services
Providing Loss Assessments Experts as Needed
We are connected to a network of public adjusters and other professionals who can enhance your insurance claim. Independent experts are crucial, as their assessments will advocate for you, not the insurance company.
Documenting Property Damage
After assessing the damages, we meticulously document all evidence to back your insurance claim. We ensure that no damage goes unnoticed by using the right experts to identify any issues missed by you or the insurance company.
Claims Strategy Development
When you choose to hire a public adjuster, we begin by carefully studying your personal insurance policies. Our objective is to craft the most effective claims strategy to optimize your insurance payout based on your policy and property details.
Providing Full Proof of Loss
Our comprehensive documentation and expertise in your policy will allow us to submit complete proof of loss to the insurance company.
Managing Complex Communications
We take care of all communications with the insurance company until the case is settled, making the process as stress-free as possible. We’ll also keep you informed throughout the fire insurance claim process, updating you on each stage.
Negotiation for The Maximum Settlement
Our negotiation skills with insurance companies are unmatched, ensuring fair settlements for you. When you file a claim, we work hard to get the best possible payout.
What Our Commercial Claims Services Cover
- Wind & Hail Damage Claims:
- Fire Damage Claims:
- Water Damage Claims:
Wind and hail damage is a common concern for commercial properties, especially during thunderstorms and severe weather. We’ll send a public insurance adjuster to inspect the damage to your roof and other sections of your property.
Fire damage often involves unseen issues such as smoke damage and broken pipes, making claims complicated. We’ll ensure a professional hygienist fully inspects your property before the claims process starts.
Water damage can lead to significant costs and destruction, but we ensure the source is identified and all required evidence is gathered for your insurance claim.
- Vandalism Claims:
- Theft & Burglary Claims:
- Personalized Claims:
Vandalism often creates challenges for businesses, especially in restrooms and on building exteriors. We will help you file a property insurance claim that provides the necessary funds for cleaning and replacing the damaged property.
Theft and burglary can happen, even when protective measures are in place. We’ll make sure to document all stolen items carefully to help secure the payout needed for replacing your stolen goods and property.
We know that no two claims are the same. Our public adjusters provide personalized support, tailoring their methods to the specific damage your property has sustained.
What is a commercial insurance claim?
Commercial insurance claims are submitted by businesses seeking financial reimbursement for damages. This compensation covers losses to property, assets, or operations, as stated in the commercial insurance policy.
What types of damages are typically covered by commercial insurance?
Commercial insurance often includes coverage for damages caused by storms, natural disasters, theft, business interruptions, liability, and worker injuries. Since coverage can vary by region and policy, make sure to review your policy before filing a claim.
What is the difference between a public insurance adjuster and an insurance company adjuster?
The main distinction between a fire claims public adjuster and an insurance adjuster lies in who they represent. Insurance companies usually appoint independent adjusters, which can favor their position. A public adjuster, however, is hired by you to ensure your interests are prioritized.
How can I prevent disputes with my insurance company?
The key to preventing disputes is hiring a public insurance adjuster. Their ability to gather evidence, understand your policy, and communicate openly will help avoid conflicts.
How much does hiring a public adjuster cost?
The fee for public adjusters is usually a percentage of the settlement, which incentivizes them to work for the best possible outcome.
If you’re suffering from a homeowner property claim, we can help!
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