San Bernardino Public Adjuster

Call Us Now
Your Right Image

Your Rights

In their efforts to minimize expenses, insurance companies often exploit policyholders' lack of information. Our team is committed to ensuring you are properly protected and that insurers are held accountable for their payment responsibilities.

Our Specialties

Our Specialties

Excel Adjusters is dedicated to property loss claims for both residential and commercial properties. Our experienced team handles damage from water, fire, earthquakes, floods, and theft. With over 2,000 claims resolved successfully, we are committed to offering the support you need to protect your investment and manage through tough situations.

How We Do It

How We Do It

Excel Adjusters Inc, with over 20 years in the property claims industry, is equipped to handle your claims with expertise. Our team’s contracting experience ensures that you receive the appropriate compensation for your property damage. We provide comprehensive guidance through every phase of the claims process, ensuring smooth and efficient handling.

4200+

CLAIMS SETTLED

30+

YEARS OF COMBINED EXPERIENCE

Millions Recovered

for Property Damage Claims

WHAT IS A SAN BERNARDINO PUBLIC INSURANCE ADJUSTER?

A San Bernardino public adjuster is a crucial consultant for policyholders dealing with insurance claims. When you submit a claim, the insurance company assigns an adjuster to represent their interests. To balance this, having an independent public adjuster is essential. They evaluate the damage, calculate a fair payout, and often negotiate for a higher settlement than the insurance company’s adjuster might offer.

The role of a public adjuster is significant because insurance company adjusters are motivated to minimize payouts. This can result in settlements that do not fully cover your losses. A San Bernardino public adjuster, however, is focused solely on your interests, ensuring that you receive a fair and reasonable compensation. They carefully analyze every detail of your claim to secure a fair settlement.

Public adjusters differ from insurance company adjusters in their approach. A San Bernardino public adjuster performs a thorough investigation of the claim, considering all relevant factors and details. This meticulous approach often leads to a more accurate and fair settlement, as opposed to the more cursory reviews conducted by insurance company adjusters.

Home Insurance
How does a public adjuster work for you?

HOW DOES A SAN BERNARDINO PUBLIC ADJUSTER WORK FOR YOU?

The responsibilities of a San Bernardino public insurance adjuster are pivotal in resolving your insurance claim. They conduct a detailed assessment of all the relevant evidence and facts, often with a higher level of scrutiny than an insurance company’s adjuster. After thoroughly analyzing the data, your public adjuster will provide their findings and recommend a fair payout amount.

Disagreements between the public adjuster’s findings and those of the insurance company’s adjuster are common. When such conflicts arise, your San Bernardino public adjuster will manage the negotiation process. They work directly with the insurer to resolve differences, allowing you to remain uninvolved. Your public adjuster’s expertise ensures that all negotiations are handled efficiently and effectively, securing the best possible settlement for you.

excel-should-you-hire

SHOULD YOU HIRE A SAN BERNARDINO PUBLIC ADJUSTER?


Policyholders facing large insurance claims should strongly consider hiring a San Bernardino public adjuster. The difference in claim outcomes with or without an adjuster can be significant. Those who manage their own claims often end up with lower settlements. A San Bernardino public adjuster can help you obtain a fair and resonable settlement by using their expertise to handle negotiations with the insurance company. This support allows you to avoid the hassle and stress of managing the claim process on your own.

While a San Bernardino public adjuster cannot guarantee a larger settlement, their role in providing a detailed assessment of your claim is crucial. Their in-depth knowledge of property insurance damage ensures a thorough review, which can greatly influence the final settlement amount. Their expertise is a valuable asset in ensuring that you receive a fair and accurate compensation for your losses.

HOW MUCH DOES IT COST TO HIRE A SAN BERNARDINO PUBLIC ADJUSTER?


Fees for hiring a San Bernardino public adjuster can vary widely depending on the complexity and scale of the claim. Public adjusters typically base their charges on the details of each case. It is important for both the client and the adjuster to agree on the fee structure before starting the claims process. Additionally, many state insurance departments enforce caps on the maximum fees public adjusters can collect, ensuring that charges remain fair and transparent.

WILL YOUR ADJUSTER BE HANDLING THE CLAIM PERSONALLY?


Fully licensed and trained, our San Bernardino public adjusters are skilled in managing every aspect of your insurance claim. Acting as your authorized representative, they conduct thorough investigations and negotiate with the insurance company on your behalf to ensure you receive the compensation you are owed.

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 SAN BERNARDINO PUBLIC ADJUSTER AND A SAN BERNARDINO INSURANCE ADJUSTER?


Engaging with a San Bernardino public adjuster means having a dedicated professional who works exclusively for you, ensuring that your interests are prioritized throughout the insurance claims process. The insurance company’s adjuster, on the other hand, is focused on reducing the payout amount for their employer. Our public adjuster will conduct a thorough and accurate assessment of your claim, ensuring that all details are correctly validated and that you receive the compensation you deserve.

It’s essential to recognize that while insurance company adjusters aim to settle claims for the lowest amount possible, your San Bernardino public adjuster is committed to ensure you receive a fair and reasonable compensation. They will meticulously review your policy’s coverage limits to determine a fair and appropriate payout. A trustworthy public adjuster will work within these limits and ensure that you receive the highest compensation allowed by your policy without pursuing benefits beyond your coverage.

What Is The Difference Between A San Francisco Public Adjuster And A San Francisco 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.

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