Newport Beach Public Adjuster

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Your rights
Your rights

Insurance companies are often motivated to lower repair costs and payment to policyholders by exploiting their lack of knowledge. Our services can ensure that you are protected and that the insurance company fulfills their obligation to make fair payments.

Our Specialties
Our Specialties

Excel Adjusters specializes in property loss for both residential and commercial properties. Our expert team is experienced in handling claims related to water, fire, earthquake, flood, and theft. With a track record of successfully resolving over 2,000 damaged property claims, you can trust us to provide efficient and reliable assistance.

How we do it
How we do it

Excel Adjusters Inc, with over 20 years of experience in handling property claims and a background in contracting, is dedicated to ensuring our clients receive the appropriate compensation for their damaged properties. We are focused on providing guidance to our insured clients throughout the entire process.

4200+

CLAIMS SETTLED

30+

YEARS OF COMBINED EXPERIENCE

Millions Recovered

for Property Damage Claims

WHAT IS A NEWPORT BEACH PUBLIC INSURANCE ADJUSTER?

A Newport Beach public adjuster is an unbiased expert who assists policyholders in resolving insurance claims. When you submit a claim to your insurance company, they have their own adjuster working in their favor, and it’s essential that you have one too. An independent Newport Beach insurance adjuster will evaluate the losses suffered by the policyholder and determine a fair payout based on the incident and resulting damage. In many cases, a Newport Beach public adjuster will advocate for a higher payout on the claim compared to an adjuster appointed by the insurance company. Trust in a professional who is solely focused on protecting your interests.

Why is that? Because the insurance company’s adjuster prioritizes saving costs on your settlement, which might not align with your best interests. On the other hand, a Newport Beach public insurance claims adjuster operates independently from your insurance company. They thoroughly evaluate your claim to ensure the maximum payout that accurately reflects the extent of your loss or damage.

Both types of adjusters perform similar tasks on the same claim. However, your Newport Beach public adjuster may utilize a unique approach to the auditing process. Their investigation is often more comprehensive and detailed compared to the adjuster appointed by your insurance company. The assigned adjuster may not be as dedicated to obtaining all relevant facts and thoroughly exploring every aspect of the incident to gain a complete understanding of the larger context. On the other hand, an independent Newport Beach public adjuster conducts an additional level of inquiry to gather all necessary information and data required for a fair and suitable settlement amount.

Public Insurance Adjuster
How Does Public Adjuster Work For You

HOW DOES A NEWPORT BEACH PUBLIC ADJUSTER WORK FOR YOU?

Responsibilities of Newport Beach Public Insurance Adjusters are manifold. Initially, they thoroughly assess all pertinent information and evidence pertaining to your claim. The standards expected from a Newport Beach public adjuster often surpass those of an adjuster appointed by an insurance company. After gathering and scrutinizing all evidence, your insurance Newport Beach public adjuster will compile a report and propose a recommended payout.

In many instances, the findings of the Newport Beach public adjuster and the insurance company’s adjuster do not coincide. When there is a difference between these findings, the next typical course of action is negotiation, and your Newport Beach public adjuster directly engages with your insurer to expedite the process. You typically do not need to actively participate, as the Newport Beach public adjuster manages all the necessary work on your behalf.

Hire A Public Adjuster

SHOULD YOU HIRE A NEWPORT BEACH PUBLIC ADJUSTER?


Policyholders who may have a large claim to file should consider hiring a Newport Beach public adjuster. The outcome of a claim can vary greatly depending on whether or not an adjuster is involved. It is common for policyholders who file a claim on their own to receive a lower payout. However, partnering with an independent adjuster can help policyholders receive the maximum settlement they deserve. Hiring a Newport Beach public adjuster can also save policyholders the hassle of dealing with the insurance company themselves.

Working with a Newport Beach public adjuster does not guarantee a better settlement but it definitely helps in presenting a detailed evaluation of the case by an individual who is trained in determining property insurance damage.

HOW MUCH DOES IT COST TO HIRE A NEWPORT BEACH PUBLIC ADJUSTER?


The cost of hiring a Newport Beach public adjuster may vary. Compensation for an independent adjuster is based on the scope and complexity of the case. Before entering into an agreement, it is important to fully understand the compensation terms. Certain state insurance departments establish a maximum fee for Newport Beach public adjusters.

WILL YOUR ADJUSTER BE HANDLING THE CLAIM PERSONALLY?


All fully trained and licensed Newport Beach public adjusters are well-versed in working with insurance companies to reach a settlement on claims. The assigned adjuster will handle all aspects of the claims process, including investigation and negotiation. Acting as your authorized representative, they will serve as a liaison between you and the insurance company. If necessary, the adjuster will advocate for a fair payout through negotiation.

Yelp Testimonials
Testimonials
Excellent rating
Based on 107 reviews
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
I saw a review that mentioned concern with Excel Adjusters rate and I had to update my review to emphasize that the percentage they take is reflective of how hard they work for you . I send everyone I know to them and they are so honest about what they think they can do for you and then they go above and beyond. In a city full of smoke and mirrors this company is a gem. My son and our home wouldn't be here without them.
Rachel V. profile picture
Rachel V.
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
We had an amazing experience with Excel as they represented us during our insurance claim. Dealing directly with our insurance company was absolutely horrible until we contacted Excel for help, and it was a total game changer when they took over. Andrew and the entire Excel team were amazing to work with. He communicated everything on our behalf, was super responsive, and helped us navigate the lengthy process of dealing with our claim. They fought hard to get every penny we deserved in order to repair the damages covered under our insurance policy and took so much of the weight and stress off our shoulders. Because of Excel, we settled for 3x the amount of what the insurance originally offered. I highly recommend Excel to anyone dealing with insurance claims and can't thank them enough for helping us with this entire process!
Elijah Z. profile picture
Elijah Z.
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
While the representative was polite and professional, their quote of 20% was double the rates of the four other public adjusters I contacted that same day. This was surprising, especially given that all adjusters are also overwhelmed with work during the Eaton and Palisade fire crisis. While the state does not explicitly cap public adjuster fees at a specific percentage, it indirectly limits the amount they can charge by ensuring the insured receives the full settlement amount offered by the insurer prior to any contract with the public adjuster. For residential claims, industry practice in California typically caps public adjuster fees at 10%, though this specific percentage may not be directly stated in Section 15027. A public adjuster quoting 20% for a residential claim may be considered unreasonable or exploitative, particularly during a crisis.
Matt C. profile picture
Matt C.
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
We worked with Excel Adjusters for over 2 years to recoup our flood damage from the insurance company. The insurance company was very uncooperative and changed their representative over 5 times. We are glad we went with Excel Adjusters, as they kept pushing insurance company for the proper payment. It was definitely worth working with Andrew and Mr. Park, and getting their help with our claim. There was no way the insurance company would have gotten us a fair claim if it wasn't for Andrew and Excel.
Jacky K. profile picture
Jacky K.
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
Excel Adjusters is an experienced and aggessive group that will get the full amount due to their clients from the insurance companies.
Butler W. profile picture
Butler W.
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
Isaac, thank you so much for helping my family during this difficult time. Having to move twice with two little ones was no fun, but coming back to our home was worth the wait. My family so appreciates everything you did for us, and would gladly take up your help if this were to occur again.
Melissa C. profile picture
Melissa C.
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
Personnel very responsible and Professional, Isaac from Excel Adjuster was very dedicated to help Us since the first day we call and explain the situation in our House. I recommend 100 % this Company to any dispute with the House Insurance Company. It is a secure and Quality service. Thank you for your services & most of all for Isaac who assisted us from day one to the end of the process.
Patricio L. profile picture
Patricio L.
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
A friend referred me to Excel Adjuster, Public Adjuster, Mr. Isaac was assigned to assist me in a broken pipe in my house. From day one Isaac assisted me guiding in all aspects till finalizing the recovery of my house construction. His expertise & experience this transition of repairs & relocation would had been a nightmare but thanks to him & your company we were able to reestablish in our home. My family & I are very happy & grateful for Isaac's guidance. All our calls were answered & patiently reinforced us of each procedure/step to follow. Thank you for your excellent service. Many blessings & assured your success for a wonderful assistance.
Marlene L. profile picture
Marlene L.
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
We had no idea that public adjustors even existed, but randomly heard about Excel (John Park) through a friend of ours. We are SO thankful for that chance conversation because it made such a huge difference. We discovered water damage from a hot water spring leak, which had been ongoing for several weeks. When we called our carrier, they sent an inspector who looked around our house and noticed the kitchen flooring had a slight mound. He did not crawl underneath the house, however. After that, we received notice from our carrier that we would be receiving what seemed like a very low payout. So we called Mr. Park at Excel. They immediately came and did a thorough inspection, going underneath our house. They discovered extensive water damage and mold issues in the crawl space under our house and up into our flooring and walls. It was a really bad situation (in fact our whole family had been taking turns being sick with fever for a couple weeks before this discovery). Mr. Park and Andrew got right to business and commenced remediation, helped get us long term housing, and negotiated a payout that was a world of a difference. Had we not called him we would only have received a fraction of the payout and more importantly, we may have continued living in that health hazard without fully remediating it. We would highly recommend him to anyone who is dealing with an insurance claim. Thank you Mr. Park and Andrew! - Yang Family
Jin Y. profile picture
Jin Y.
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
We had water damage in our house due to pipe leakage and Mr. Park and Andrew were super responsive and helpful throughout the process, updating us about any progress/adjustments made. They made sure we were informed and taken care of. Would highly recommend Excel Adjusters to friends and family!
Aileen L. profile picture
Aileen L.

WHAT IS THE DIFFERENCE BETWEEN A NEWPORT BEACH PUBLIC ADJUSTER AND A NEWPORT BEACH INSURANCE ADJUSTER?


When you file an insurance claim, an adjuster from the insurance company will be assigned to review the details and assess the amount you should receive. However, it’s important to remember that this adjuster is working on behalf of the insurance company and their goal is to minimize the payout. On the other hand, a Newport Beach public adjuster works for you and their objective is to ensure that you receive the maximum amount you deserve. Trust a Newport Beach public adjuster to advocate for your best interests and help you get the compensation you are entitled to.

A Newport Beach public adjuster cannot increase your payout for benefits you are not eligible for. They will assess your insurance policy to determine the extent of your coverage and calculate a suitable payment according to the policy’s terms. A trustworthy Newport Beach public adjuster will not try to exceed these limits in order to secure a larger settlement.

Difference Between Public Adjuster And Insurance Adjuster
CALL FOR A FREE CONSULTATION

(213) 800-3333

Frequently Asked Questions for Public Adjusters in California

Hire a public adjuster when you’re dealing with a large or complex claim, such as major fire damage, serious water damage, or losses expected to exceed a few thousand dollars. Many homeowners also seek help if the insurer delays, denies, or underpays the claim.

Public adjusters handle most property-related claims covered by homeowners insurance, including fire, smoke, water damage, burst pipes, storms, theft, and vandalism. They focus solely on property damage and personal property, not medical or injury claims.

They document damage in detail, find hidden issues, review your policy, prepare estimates, and negotiate directly with the insurance company. This often leads to higher settlements and saves you time and stress.

Most public adjusters charge a contingency fee of about 10%–30% of the settlement difference, depending on claim size and complexity. You only pay if they recover money for you.

No. It’s illegal for insurers to penalize or cancel your policy just because you hired a public adjuster. Any premium changes usually relate to the claim itself, not your decision to seek representation.

Yes, if you have a significant claim. Public adjusters often secure higher settlements and handle the entire process for you. For small claims, hiring one may not be necessary.

Business Owner FAQs

Yes. Public adjusters represent businesses of all sizes, including offices, retail stores, warehouses, restaurants, and industrial properties. Many specialize in commercial losses and business interruption claims.

Commercial claims involve more detailed documentation, higher-value assets, and complex insurance policies. A public adjuster ensures accurate assessments, complete claim preparation, and strong negotiations, helping you recover faster and return to normal operations.

They handle fire, smoke, water damage, burst pipes, storms, theft, vandalism, equipment damage, and inventory losses. They also prepare detailed inventories and documentation tailored to business needs.

Absolutely. They calculate lost income, ongoing expenses, temporary relocation costs, payroll, and other financial impacts. Public adjusters use your financial data to build accurate BI claims and negotiate them with the insurer.

Commercial fees typically range from 10%–20% of the settlement. For very large claims, the percentage may be slightly lower. As with homeowners, public adjusters only get paid if you recover funds.

Yes. Commercial losses can seriously disrupt operations. Public adjusters help maximize recovery, shorten delays, and ensure the business receives the full compensation needed to rebuild and resume operations.

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