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Fire Claims Public Adjusters in Santa Monica: For Fire and Smoke Claims

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We have the experience and knowledge to handle your property insurance claim, whether it’s for smoke damage, total fire loss, or partial fire loss.

Properties that survive a wildfire may suffer from visible and hidden damage caused by smoke, soot, ash, and even water. Strong winds can spread wildfire debris, leading to significant smoke infiltration in properties. As your trusted fire insurance adjuster in Santa Monica, we work to make sure you get the highest settlement for your fire damage claim.

Excel Adjusters has settled over 2,200 property damage claims since 1997. With more than 24 years of experience, our adjusters have gained extensive knowledge of insurance policies. We have extensive knowledge of insurance and building repairs, helping both homeowners and business owners secure a fair and reasonable settlement by handling the insurance process for them.

Fireman extinguishing fire

Testimonials

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Sarah at Excel Adjusters was extremely helpful. I live on the east coast but my parents’ home in Fullerton was under my name. Sarah was so patient and accommodating facilitating all paperwork between 2 coasts and making sure everything went smoothly in the entire process. Thanks for making it all seamless!!!

– Leila P. – February 15, 2018

Excellent service and they were very efficient. Had a problem in our kitchen but now I love the way our kitchen looks. Would recommend to others – MinsooS

– Minsoo S. – February 15, 2018

Prompt!! Professional!! My experience has been PHENOMENAL!!! Excel Adjuster, John Park came out and went through the details. Clearly understood and the process was easy. Damage to my house was a detrimental experience. But Excel adjusters took care of everything like one of their family~ – Max L.

– Max L. – February 15, 2018

They explained the whole process thoroughly and fixed damage at once without any delay and kept following up with insurance claims. -Young Y.

–Young Y. – February 15, 2018

We used Excel adjusters service a few month ago and I can’t be more happy and appreciate the professionalism and great care that we got and the amazing results we got! -Richard S

– Richard S. – February 15, 2018

I am extremely satisfied with their fast response & customer service. Compared to other companies I tried to reach out or have support from they are not as fast and as accurate and professional as this company. Thank you.

– Jesse K. – January 3, 2018

Had severe water damage at home, but they dealt with it perfectly. Had problems with the insurance company afterwards, but excel adjusters helped us out all the way. Extremely good at their job. Highly recommend

– Minwook S. – January 3, 2018

Good job to the Excel Adjusters team. Thank you for always being so prompt in responding and taking care of our home repair quickly and efficiently. You made our water damage situation much less stressful thanks to your help.

– Christian P. – January 3, 2018

Highly recommend Excel Adjusters for Korean and English speakers.

– Julia J. – January 3, 2018

Excel Adjusters Inc. has the type of Quality Service you’d expect when having a public adjuster

– S. Totoy – January 3, 2018

Property Damage Caused By Wildfires
House on fire

Wildfire damage can be widespread and not always immediately visible. It may involve:

  • Complete or partial fire damage to your home or property.
  • Smoke damage
  • Water damage
  • Wind damage

Our offices in Los Angeles, San Francisco, Irvine, and Orange County allow us to assist with wildfire claims throughout California, from start to finish.

WHAT TO FOCUS ON AFTER WILDFIRE DAMAGE

Understanding the topics below can help you have your fair and reasonable wildfire claim settlement. Call us at (213-800-3333) for a free consultation about your claim.

What is the first step when filing my wildfire insurance claim?

Does my insurance cover damage surge?

How does my insurance company deal with wildfire claims?

What is the difference between a fire claims public adjuster and an insurance adjuster?

What expenses do I need to document?

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

What is the cost of a public adjuster?

ADDITIONAL ITEMS TO CONSIDER
Understanding Your Homeowners Insurance Policy

Many property owners don’t fully understand what their insurance covers for wildfire claims. If your home has suffered any wildfire damage, the first step is to understand your claim. This will greatly simplify getting the full settlement you’re entitled to after a fire.

Each homeowner’s insurance policy varies, with some offering higher limits for reimbursing expenses related to loss.

Understanding the Coverage of Your Homeowners Insurance Policy

Your insurance policy includes various types of coverage. Claimants should verify which expenses are generally covered in the event of a loss.

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Coverage A
Main Home or Dwelling

This section of your policy covers all damage to your home, including any loss below the main floor. The amount specified in your policy is the highest you can receive if your home is destroyed by fire. Such damage would be considered a total loss of the home.

tower structure

Coverage B
Additional Structures

This covers structures located around the main home or dwelling. Examples include nearby buildings, fences, landscaping, concrete driveways, pools, pool decks, and various walkways.

Home keys

Coverage C
Personal Belongings

This section of the policy covers damage or loss to your personal belongings. It includes all items within the home at the time of the fire that belong to or are used by you and your family.

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Coverage D
Living Costs

This coverage compensates for living expenses if you cannot stay on your property due to damage or loss. The policy covers all living expenses up to the policy limits, allowing the insured to maintain their usual standard of living.

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Hiring a Hygienist To Assist With Your Wildfire Claim
Hiring A Hygienist To Assist With Your Wildfire Claim in Santa Monica

It’s essential to hire an independent hygienist to assess the wildfire damage to your property. This should be done before you start a claim with your insurance provider.

A Certified Industrial Hygienist will inspect your property for ash, soot, smoke levels, and other contaminants present in the building. Contaminant samples will be collected from interior surfaces, including window and floor coverings, furniture, and soft materials, as well as from the air to detect toxins.

After the inspection, the samples will be tested for toxins. Once the results are available, the hygienist will prepare a report detailing all wildfire-related damages. Recommendations will be provided on whether contaminated items should be replaced.

hygienist-wildfire-claim

Avoid using a hygienist recommended by your insurance company, as they may prioritize the provider’s interests over yours as the policyholder. You may end up having to cover the entire cost of damages yourself.

Hiring an independent hygienist will streamline the claims process, helping you receive fair and reasonable reimbursement.

We’re Here To Help

Evaluate

Carefully examining your insurance policy to fully understand your coverage.


Strategy

Thoroughly evaluating and recording any possible damages.


Communication

We keep you informed throughout the entire fire insurance claim process, updating you on our progress.


Negotiation

Handling negotiations for your insurance claim on your behalf.


Settlement

Ensuring you receive a fair and reasonable settlement for your wildfire claim.

As licensed adjusters, we are authorized by the Department of Insurance to manage fire damage claims, house fire claims, property loss, and more. We frequently assist homeowners dealing with fire or water damage who don’t fully understand the insurance claims process. This allows us to safeguard you, the property owner, from insurance companies trying to offer a low settlement. As a policyholder, you are entitled to full reimbursement for any property loss. The Excel Adjusters team in Santa Monica will make sure the insurance company fairly compensates you for those damages.

Our services encompass:

  • Recording visible damage
  • Evaluating hidden damage
  • Delivering complete proof of loss
  • Negotiating your insurance claim to secure the highest possible settlement
  • Offering Loss Assessment experts when required
  • Handling all communications until the case is resolved, ensuring your peace of mind

If you need assistance with a homeowner property claim, we’re here to help!

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Excel Adjusters
Call:(213) 800-3333
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