Irvine Public Adjuster

(213) 800-3333
Call Us Now
Your Right Image

Your Rights

Often, insurers prioritize minimizing costs and rely on policyholders' limited understanding of claims. We work to protect your interests and ensure the insurance company upholds its responsibility to provide appropriate coverage and payments.

Our Specialties

Our Specialties

Specializing in property loss for residential and commercial buildings, Excel Adjusters has managed upwards of 2,000 claims related to water, fire, earthquake, flood, and theft damages.

How We Do It

How We Do It

Backed by over 20 years in property claims and contractor expertise, Excel Adjusters Inc is committed to assisting clients in obtaining proper compensation for damaged properties and supporting them at every step of the claims process.

4200+

CLAIMS SETTLED

30+

YEARS OF COMBINED EXPERIENCE

Millions Recovered

for Property Damage Claims

WHAT IS AN IRVINE PUBLIC INSURANCE ADJUSTER?

Acting as an independent representative, an Irvine public adjuster assists policyholders in resolving insurance claims. After a claim is filed, the insurance company’s adjuster serves its interests, making it valuable for policyholders to have their own adjuster. An Irvine public adjuster assesses the damage and calculates a suitable payout, often advocating for a higher amount than the insurance company’s adjuster.

Why? The answer lies in priorities; an insurance company’s adjuster aims to reduce the company’s payout on your settlement. An Irvine public insurance claims adjuster, on the other hand, works solely for you, reviewing your claim to ensure the highest payout possible for your damages.

While both types of adjusters work on the same claim, an Irvine public adjuster may take a more detailed and thorough approach to the investigation, often going beyond the effort of the insurance company’s adjuster. The insurer’s adjuster may not prioritize gathering every detail of the incident. An independent public adjuster in Irvine, however, pursues a higher level of inquiry to ensure all necessary data is considered for a fair settlement.

fair settlement
Public insurance

HOW DOES AN IRVINE PUBLIC ADJUSTER WORK FOR YOU?

Irvine public insurance adjusters handle various important tasks. First, they conduct a thorough evaluation of all facts and evidence connected to your claim. This process often involves more rigorous criteria than that of an adjuster assigned by the insurance company. After carefully examining all gathered evidence, your Irvine public adjuster will compile and present their findings with a suggested payout amount.

In many instances, the conclusions drawn by an Irvine public adjuster differ from those of the insurance company’s adjuster. When such a discrepancy arises, negotiation is the usual next step, and your Irvine public adjuster engages directly with the insurer to accelerate the process. You won’t need to get involved, as the public adjuster takes care of everything on your behalf.

large claim

SHOULD YOU HIRE AN IRVINE PUBLIC ADJUSTER?

Policyholders with significant claims may consider hiring an Irvine public adjuster. It’s not unusual for two adjusters to arrive at different settlement amounts, and policyholders who manage their claims alone often receive smaller payouts. Having an independent adjuster on your side can help maximize your settlement, and an Irvine public adjuster can handle the negotiations so you don’t have to.

Although an Irvine public adjuster cannot promise a larger payout, their expertise in assessing property damage can significantly aid in presenting a detailed and accurate evaluation of your claim.

HOW MUCH DOES IT COST TO HIRE AN IRVINE PUBLIC ADJUSTER?

The cost of hiring an Irvine public adjuster will vary based on the size and complexity of your case. Adjusters are compensated accordingly for their work. Be sure to discuss and understand the payment terms before agreeing to work with an adjuster. Some states place a cap on the fees an Irvine public adjuster can charge for their services.

WILL YOUR ADJUSTER BE HANDLING THE CLAIM PERSONALLY?

Licensed Irvine public adjusters are trained to handle insurance claims from start to finish. The adjuster you choose will manage the entire process, including the investigation and negotiation phases. They will serve as your representative, liaising with the insurance company and negotiating to secure the payout you deserve.

Insurance Claims We Handle:
Contact Us
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 AN IRVINE PUBLIC ADJUSTER AND AN IRVINE INSURANCE ADJUSTER?

An insurer’s adjuster is tasked with reviewing and validating the facts in your claim, using that information to determine the payout they believe you should receive. However, the adjuster represents the interests of the insurance company. Your Irvine public adjuster, in contrast, represents you. While the insurance adjuster’s objective is to settle for the company’s benefit, typically minimizing the payout, your Irvine public adjuster works to secure the maximum settlement for you.

While an Irvine public adjuster can advocate for the highest possible payout within your policy’s terms, they cannot secure a payout for benefits you’re not eligible for. They will review your insurance policy to assess your coverage limits and calculate an appropriate payout accordingly. A professional Irvine public adjuster will never try to obtain a higher settlement beyond what your policy covers.

insurance company provides
CALL FOR A FREE CONSULTATION

(213) 800-3333

Frequently Asked Questions for Public Adjusters in California

When should I hire a public adjuster for a home insurance claim?

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.

What types of home insurance claims can a public adjuster handle?

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.

How can a public adjuster help me maximize my home insurance payout?

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.

How much does a public adjuster charge for home claims?

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.

Will hiring a public adjuster affect my insurance or premiums?

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.

Is hiring a public adjuster worth it for homeowners?

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

Do public adjusters handle commercial insurance claims?

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.

Why should my business hire a public adjuster?

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.

What types of commercial property losses can a public adjuster assist with?

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.

Can a public adjuster help with business interruption (BI) claims?

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.

What does a public adjuster charge for commercial claims?

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.

Is hiring a public adjuster worth it for businesses?

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.

Excel Adjusters
Call:(213) 800-3333
Call Now Button Skip to content