Name: Excel Adjusters
Rating: 4.9

For business owners in Pasadena, dealing with water damage can bring unexpected financial strain and major disruptions to daily operations. Handling an insurance claim on top of this can feel overwhelming. That’s where Excel Adjusters comes in. Our expert public adjusters take charge of the entire claims process, working on your behalf—not the insurance company’s—to secure a fair settlement that covers necessary repairs and helps your business recover as quickly as possible.

What is Considered Water Damage?

Commercial properties in Pasadena can experience sudden water damage due to various issues, including leaks, broken pipes, malfunctioning HVAC units, and toilet overflows. Understanding commercial insurance coverage is essential for managing these challenges effectively. The following are common types of water damage that business insurance typically covers:

Sudden and Accidental Leaks: Leaks that occur rapidly over a short timeframe, usually under two weeks.
Burst Pipes: Unexpected pipe failures leading to widespread water exposure.
HVAC Leaks: Air conditioning or heating system malfunctions causing water damage.
Roof and Wind-Driven Rain Damage: Structural issues resulting from severe weather conditions, such as hailstorms.
Sewer Backups and Slab Leaks: Coverage varies, but certain policies provide financial protection under specific conditions.

Pasadena business owners should note that flood-related damage is not typically covered under standard commercial insurance policies. To safeguard against flood-related losses, a separate flood insurance policy—offered through the National Flood Insurance Program (NFIP) or private insurers—is required.

Have you experienced water damage in Pasadena?

Flood Damage vs. Water Damage in Commercial Properties

When it comes to insurance claims, flood damage and water damage are classified separately, and standard business owner policies typically do not cover flood-related losses. Flood damage occurs when rising surface water submerges dry land, whereas water damage begins within a structure before spreading. Knowing the distinction between these categories helps business owners secure the right coverage and avoid claim denials.

Why Work with Excel Adjusters for Commercial Water Damage

At Excel Adjusters, we specialize in assisting Pasadena commercial property owners in navigating water damage insurance claims. With our deep knowledge of commercial insurance policies, our licensed public adjusters work diligently to obtain a fair and comprehensive settlement for your losses.

Maximizing Your Settlement: Our team carefully reviews your water damage claim, ensuring every covered repair and replacement is accounted for to maximize your insurance payout.
Handling the Entire Claims Process: We oversee everything from document preparation to negotiations with insurance adjusters, ensuring your claim is properly managed and effectively communicated.
Appealing Denied Claims: If your insurance provider rejects your water damage claim, we step in to provide supporting evidence and advocate for a reversal of the denial.
Preventing Additional Damage: Without proper remediation, water damage can lead to costly mold growth and structural weakening. We make sure your policy covers necessary repairs to prevent future complications.

If your Pasadena business has experienced water damage, trust our experts to guide you through the claims process with precision and care.

Steps to Take After Water Damage in Your Commercial Property

Document Damage Immediately: Preserve clear photos and videos of all affected areas, including structural damage and damaged personal or business property. This evidence is crucial for building a strong insurance claim and streamlining the claims process.
Contact a Licensed Plumber: A plumber’s inspection report provides an official assessment of the cause and duration of the leak. Since many insurance policies limit coverage for gradual leaks, this report helps confirm your claim’s validity.
Engage a Public Adjuster Early: A public adjuster works solely in your best interest to ensure that insurance companies don’t undervalue your settlement. We manage all claim documentation and negotiations to secure the maximum payout possible.

The Excel Adjusters Advantage for Commercial Properties

At Excel Adjusters, we know how disruptive water damage can be for Pasadena business owners. Our expert public adjusters work on your behalf to ensure you obtain a fair and reasonable settlement, helping you recover without excessive financial strain.

How We Help You:

Field Scoping: We accompany insurance adjusters during property inspections, making sure your water damage claim is assessed fairly and thoroughly.
Assistance With Insurance and Restoration Vendors: To avoid conflicts of interest, we suggest working with independent restoration vendors rather than those affiliated with your insurance provider.
Recovery of Business Interruption Costs: If water damage interrupts your business operations, we fight to recover Loss of Use expenses as detailed in your policy.

For Pasadena property owners, successfully managing a water damage claim can protect both your business and financial stability. Let Excel Adjusters handle your claim while you focus on running your business.

Have You Experienced Water Damage To Your Commercial Property in Pasadena? Contact Excel Adjusters

If your Pasadena commercial property has experienced water damage, the insurance claims process can be stressful and complicated. At Excel Adjusters, we take the burden off your shoulders by managing every stage of your claim, ensuring you obtain a fair and reasonable settlement. Our dedicated team works for you—not the insurance company—to secure the necessary funds for property repairs. Plus, we offer a no-cost consultation, giving you expert advice on how to protect your investment and recover swiftly.