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Public Adjusters For Fire and Smoke Claims in Fullerton

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Whether you have smoke damages, total fire loss, or partial fire loss, we have extensive knowledge and expertise in representing you and your property insurance claim in Fullerton.

Even after a wildfire has passed, properties can incur both apparent and concealed damage from smoke, soot, ash, and potential water exposure. The strong winds often associated with wildfires can spread debris extensively, resulting in considerable smoke penetration into structures.

Excel Adjusters, established in 1997, has a proven track record of settling over 2,200 property damage claims. Our team, with over 24 years of experience in handling property claims, brings a wealth of knowledge in insurance policies. Combining our expertise in insurance and building repairs, we manage the intricacies of insurance claims for both homeowners and business owners to achieve a fair and reasonable settlement.

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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 both extensive and hidden from view. It may include:

  • Full or partial burn to your home or property
  • Smoke damage
  • Water damage
  • Wind damage

Our offices in Los Angeles, San Francisco, Irvine, and Orange County enable us to support you throughout the entire wildfire claims process, serving clients statewide in California.

WHAT TO FOCUS ON AFTER WILDFIRE DAMAGE

Gaining insight into the following areas can enhance the value of your wildfire claim settlement in Fullerton. Feel free to reach out to us at (213-800-3333) for a no-obligation discussion about your claim.

What is the first action required to file a wildfire insurance claim?

Is surge damage covered by my insurance?

How does my insurance company manage and process wildfire claims?

What distinguishes a public adjuster for fire claims from an insurance adjuster?

What types of expenses are necessary to document?

What distinguishes a public adjuster from an insurance adjuster?

How much does it cost to hire a public adjuster?

Understanding Your Homeowners Insurance Policy

Property owners frequently lack clarity about what their insurance policy covers regarding wildfire claims. If your property has incurred damage—be it partial or total—due to a wildfire, the first priority is to comprehend your claim. Gaining this understanding will significantly ease the process of securing the full compensation to which you are entitled.

Homeowners’ insurance policies differ significantly, with certain policies providing higher reimbursement limits for expenses incurred due to loss.

Understanding the Coverage of Your Homeowners Insurance Policy

Your policy details multiple coverage options. Claimants should carefully verify which expenses are typically covered to ensure they are fully informed about what is included in the event of a loss.

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Coverage A

Main Home or Dwelling

This part of your policy addresses coverage for any damage to your home, encompassing losses occurring beneath the main floor. The policy outlines the fair and reasonable compensation available in the event of a total loss, such as a complete destruction of your home by fire.

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Coverage B

Additional Structures

This part of your policy outlines coverage for ancillary structures situated around the primary residence. This includes nearby buildings, fencing, landscaping features, concrete driveways, swimming pools, pool decks, and various walkways.

Home keys

Coverage C

Personal Belongings

This part of the policy provides coverage for any damage or loss to your personal possessions. This includes all items inside the home during the fire, which are owned or utilized by you and your family members living in the household.

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Coverage D

Living Costs

This provision reimburses living expenses if the property becomes uninhabitable due to damage or loss. The policy will cover all related costs up to the specified limits, allowing the insured to sustain their normal lifestyle and comfort.

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Hiring a Hygienist To Assist With Your Wildfire Claim
Hiring A Hygienist To Assist With Your Wildfire Claim

Engaging an independent hygienist is crucial to accurately determine the damage to your property from a wildfire. This assessment should be completed before you initiate a claim with your insurer.

The Certified Industrial Hygienist will evaluate your property for ash, soot, smoke, and other contaminants that may be present. Testing will involve sampling from interior surfaces, such as window and floor coverings, furniture, and soft materials, along with air sampling to detect any hazardous toxins.

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Following the inspection, the samples will undergo toxicity testing. Once the results are obtained, the hygienist will compile a detailed report outlining the wildfire damage. The report will also include recommendations on whether contaminated items should be replaced.

It is advisable not to use a hygienist recommended by your insurance provider, as this may compromise the impartiality of the assessment. Such a hygienist might align more closely with the insurer’s interests, potentially leaving you responsible for covering the full extent of the damages.

Hiring an independent hygienist for your property inspection will streamline the claims process and improve the chances of obtaining the full reimbursement you deserve.

We’re Here To Help
evaluate
Evaluate

Carefully examining your insurance policy to gain a complete understanding of the coverage provided.

your strategy
Strategy

Carrying out an extensive evaluation and precise documentation of all potential damages.

your communication
Communication

We provide ongoing updates and maintain open communication with you during the entire fire insurance claim process to keep you informed of our advancements.

your negotiation
Negotiation

Handling the negotiation of your insurance claim on your behalf.

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Settlement

Negotiating and finalizing your wildfire claim to achieve the fair and reasonable reimbursement you are entitled to.

Authorized by the Department of Insurance, we as licensed adjusters in Fullerton handle various insurance claims, such as those for fire damage and property loss. We specialize in representing homeowners dealing with fire or water damage who may not fully understand the fire insurance claim process. Our expertise ensures that you are shielded from any attempts by insurance companies to offer inadequate settlements. As a policyholder, you deserve fair compensation for your property losses. The Excel Adjusters team is committed to securing the appropriate reimbursement you are entitled to.

Our specific services include:

  • Documenting Visible Damage: Thoroughly documenting all visible damage to ensure accurate claim submission.
  • Assessing Unseen Damage: Evaluating any damage that is not immediately visible to fully understand the extent of your loss.
  • Providing Full Proof of Loss: Delivering complete and detailed proof to support your insurance claim.
  • Negotiating Your Insurance Claim: Representing you in negotiations to achieve a fair and reasonable settlement.
  • Providing Expert Loss Assessments: Engaging specialized loss assessment professionals to aid in the evaluation process if necessary.
  • Handling Communications: Managing all communications with the insurance company to relieve you of stress until your claim is settled.

If you’re suffering from a homeowner property claim, we can help!

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Excel Adjusters
Call:(213) 800-3333
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