Orange County Public Adjuster

(213) 800-3333
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Insurance companies often aim to minimize repair costs and payouts by taking advantage of policyholders’ limited understanding. Our team is here to safeguard your interests and make sure they meet their financial obligations.

Our Specialties

Our Specialties

At Excel Adjusters, we focus on managing property loss claims for both residential and commercial properties. Our skilled team is prepared to handle damage from water, fire, earthquakes, floods, and theft. With over 2,000 claims successfully resolved, you can rely on us to safeguard your investment and guide you through difficult times.

How We Do It

How We Do It

With more than 20 years of experience in property claims, Excel Adjusters Inc is committed to helping clients receive the compensation they deserve. Our team of experts, backed by a contracting background, guides insured individuals through every step of the claims process. Count on us to manage your claims with efficiency and expertise.

4200+

CLAIMS SETTLED

30+

YEARS OF EXPERIENCE

Millions Recovered

for Property Damage Claims

WHAT IS AN ORANGE COUNTY PUBLIC INSURANCE ADJUSTER?

An Orange County public adjuster is a professional consultant who helps policyholders navigate insurance claims. While your insurance company assigns their own adjuster to protect their interests, having an independent adjuster on your side is essential. The public adjuster will assess the policyholder’s loss and determine a fair settlement based on the damage. Often, they advocate for a higher payout than what the insurance company’s adjuster offers.

Why is this crucial? The insurance company’s adjuster is tasked with minimizing payouts, potentially leaving you with less than you deserve. In contrast, an Orange County public claims adjuster works independently, ensuring your best interests are their priority. They thoroughly assess your claim to guarantee you receive the full compensation for your losses.

While both Orange County public adjusters and insurance company adjusters handle the same claims, their auditing methods differ significantly. An Orange County public adjuster conducts an in-depth investigation to fully understand the incident, whereas the insurance company’s adjuster may not prioritize gathering every detail. By digging deeper, a public adjuster ensures all relevant information is considered for a fair and accurate settlement.

fair and accurate settlement
important roles

HOW DOES AN ORANGE COUNTY PUBLIC ADJUSTER WORK FOR YOU?

Orange County public insurance adjusters are tasked with a number of important roles. Initially, they undertake a detailed assessment of all evidence relevant to your claim. This careful scrutiny typically surpasses that of an insurance company adjuster. After reviewing the evidence, your Orange County public adjuster will compile their report and recommend a suitable payout amount.

Disagreements between an Orange County public adjuster and the insurance company’s adjuster are common. When this happens, negotiations follow. Your public adjuster will lead the process and negotiate with your insurer, sparing you from the hassle. You can trust that they will handle everything on your behalf.

Policyholders

SHOULD YOU HIRE AN ORANGE COUNTY PUBLIC ADJUSTER?

Policyholders with large claims should strongly consider hiring an Orange County public adjuster. The result of a claim can differ greatly based on whether an adjuster is involved. Unfortunately, those who manage their claims without an independent adjuster often end up with lower settlements. By partnering with a public adjuster, you can get a fair and reasonable payout. Hiring an Orange County public adjuster takes the stress out of negotiating with the insurance company on your own.

Although there’s no guarantee of a better settlement, partnering with an Orange County public adjuster ensures that your case is meticulously evaluated by a qualified expert in property insurance damage.

HOW MUCH DOES IT COST TO HIRE AN ORANGE COUNTY PUBLIC ADJUSTER?

Hiring an Orange County public adjuster involves variable costs depending on the scope and complexity of the claim. It’s important for both you and the adjuster to clearly understand the compensation terms beforehand. Note that certain state insurance departments place limits on how much a public adjuster can charge for their services.

WILL YOUR ADJUSTER BE HANDLING THE CLAIM PERSONALLY?

Our Orange County public adjusters are expertly trained and licensed to manage the claims process from start to finish. They will represent you in all dealings with the insurance company, overseeing the investigation and negotiation stages. If needed, they will negotiate effectively to make sure you get the compensation you are rightfully owed.

Insurance Claims We Handle:
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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 ORANGE COUNTY PUBLIC ADJUSTER AND AN ORANGE COUNTY INSURANCE ADJUSTER?

Your Orange County public adjuster is dedicated exclusively to your interests and is committed to securing a fair and reasonable outcome for you. While the insurance company assigns their own adjuster to handle your claim, it’s important to remember that their adjuster represents the insurer’s interests. You can rely on our adjuster to meticulously review and verify your claim to ensure you receive the full compensation you deserve. Our priority is to advocate for your needs, especially since insurance companies often aim to minimize payouts. An Orange County public adjuster can help ensure you get the fair and reasonable amount you’re entitled to.

While an Orange County public adjuster will work to get you a fair and reasonable payout, they cannot claim benefits that your policy does not cover. They will carefully evaluate the coverage limits of your insurance policy to provide an appropriate payout based on those terms. A dependable Orange County public adjuster will respect these limits and will not attempt to secure a settlement beyond what is covered.

secure a settlement
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(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
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