Insurers aim to reduce repair costs and payments to policyholders by capitalizing on their lack of expertise. Our services can safeguard you and ensure the insurance company fulfills its duty to provide accurate compensation.
Excel Adjusters specializes in handling property losses for both residential and commercial properties, encompassing damages from water, fire, earthquakes, floods, and theft. As of now, we have successfully managed over 2,000 property claims.
How we do it
Excel Adjusters Inc, with our extensive expertise in property claims and background as contractors, is committed to ensuring that our clients receive the rightful amount for their damaged properties. We provide comprehensive assistance and guidance to the insured throughout the entire process.
YEARS OF EXPERIENCE
for Property Damage Claims
WHAT IS A COSTA MESA PUBLIC INSURANCE ADJUSTER?
A Costa Mesa public adjuster is a professional who assists individuals in settling insurance claims. When submitting a claim, your insurance company has their own adjuster, and you should have one too. An independent Costa Mesa insurance adjuster will evaluate the damages and determine a fair payout based on the incident and resulting losses. A Costa Mesa public adjuster frequently advises for a higher claim payout compared to an adjuster chosen by the insurance company.
Why is that? It’s because the insurance company’s adjuster is focused on minimizing their costs rather than prioritizing your settlement. On the other hand, a Costa Mesa public insurance claims adjuster works independently from your insurance company. Their objective is to thoroughly review your claim and ensure you receive the maximum compensation for your loss or damage.
Both types of adjusters perform similar tasks for the same claim. However, your Costa Mesa public adjuster may adopt a distinct approach to the auditing process, conducting a more comprehensive and detailed investigation compared to the adjuster assigned by your insurance company. Their adjuster may not demonstrate the same level of commitment towards gathering all relevant information and thoroughly examining every aspect of the incident to grasp the complete context. A dedicated Costa Mesa public adjuster diligently collects all the required information and data to ensure a just and proper settlement amount.
HOW DOES A COSTA MESA PUBLIC ADJUSTER WORK FOR YOU?
Responsibilities of Costa Mesa Public Insurance Adjusters are extensive. They diligently assess and analyze all relevant facts and evidence pertaining to your claim. In fact, the standards for evaluation by Costa Mesa public adjusters are often more stringent compared to adjusters appointed by insurance companies. Once all evidence has been thoroughly examined, your insurance Costa Mesa public adjuster will compile a comprehensive report, including their recommended payout.
Often, the conclusions reached by the Costa Mesa public adjuster and the insurance company’s adjuster do not align. In cases where there is a disparity between these two sets of findings, the typical next step involves negotiation, during which your Costa Mesa public adjuster collaborates directly with your insurer to streamline the process. Your active involvement is usually not required, as the Costa Mesa public adjuster handles all the necessary tasks on your behalf.
SHOULD YOU HIRE A COSTA MESA PUBLIC ADJUSTER?
If you have a significant claim to file, consider hiring a Costa Mesa public adjuster. The outcome can vary greatly depending on whether you hire an adjuster or handle the claim on your own. Unfortunately, policyholders who navigate the process alone tend to receive lower payouts. By enlisting the help of an independent adjuster, you can maximize your settlement. Save yourself the hassle of battling the insurance company and hire a Costa Mesa public adjuster.
Collaborating with a Costa Mesa public adjuster may not guarantee a higher settlement, but it certainly improves the chances of success by providing a comprehensive assessment of property insurance damage by a skilled professional.
HOW MUCH DOES IT COST TO HIRE A COSTA MESA PUBLIC ADJUSTER?
The cost of hiring a Costa Mesa public adjuster varies depending on the specifics of your case. Independent adjusters are paid based on the scale and intricacy of the investigation they undertake. Make sure you have a thorough understanding of the compensation terms before entering into an agreement with a Costa Mesa public adjuster. Certain state insurance departments impose a limit on the fees a Costa Mesa public adjuster can charge for their services. Ensure complete understanding of compensation terms before entering into an agreement with a Costa Mesa public adjuster. Certain state insurance departments impose a cap on the fees that can be charged by such professionals.
WILL YOUR ADJUSTER BE HANDLING THE CLAIM PERSONALLY?
Every Costa Mesa public adjuster, having undergone comprehensive training and obtained the necessary licensing, possesses the skills to engage with insurance companies to facilitate claim settlements. The adjuster you employ is responsible for handling all aspects of the claims process, which includes conducting the initial investigation and participating in negotiations. They serve as the intermediary between you and the insurance company, acting as your authorized representative. In situations requiring negotiation to secure the appropriate payout, the adjuster will conduct negotiations on your behalf.
WHAT IS THE DIFFERENCE BETWEEN A COSTA MESA PUBLIC ADJUSTER AND AN COSTA MESA INSURANCE ADJUSTER?
When filing a claim with an insurance company, an adjuster will be assigned to assess the details and verify their accuracy. This adjuster, however, is representing the insurer and will determine the amount they believe you are entitled to. On the other hand, a Costa Mesa public adjuster is working on your behalf with the goal of ensuring you receive the maximum amount you rightfully deserve. While the insurer aims to pay out as little as possible, a public adjuster can play a crucial role in advocating for your interests and securing the appropriate compensation for you.
A Costa Mesa public adjuster cannot increase your payment if you are not eligible for it. They will assess your insurance policy to determine the coverage limits and calculate a suitable payout based on the policy terms. A trustworthy Costa Mesa public adjuster will not seek to obtain a settlement beyond these limits.