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Public Adjusters For Fire and Smoke Claims in Orange County

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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 Orange County.

Properties that survive a wildfire may suffer from both visible and hidden damage due to smoke, soot, ash, and possible water damage. Intense winds frequently disseminate wildfire debris, leading to significant smoke infiltration within properties.

Since 1997, Excel Adjusters has successfully resolved over 2,200 property damage claims. With more than 24 years of experience in managing property claims, our adjusters possess extensive expertise in insurance policies. Leveraging our in-depth knowledge of insurance and building repairs, we relieve homeowners and business owners of the complexities involved in dealing with insurance, aiming to secure the fair and reasonable settlement possible.

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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

The damage resulting from wildfires can be extensive and may extend beyond visible effects. This damage can encompass:

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

Positioned in Los Angeles, San Francisco, Irvine, and Orange County, we are prepared to guide you through every step of the wildfire claims process throughout the state of California.

WHAT TO FOCUS ON AFTER WILDFIRE DAMAGE

To optimize your wildfire claim settlement in Orange County, it is beneficial to be informed about the following topics. Please contact us at (213-800-3333) for a complimentary consultation regarding your claim.

What should be the initial action when initiating my wildfire insurance claim?

Will my insurance cover any surge in damage?

What is the process for handling wildfire claims by my insurance company?

What are the key differences between a fire claims public adjuster and an insurance adjuster?

Which expenses should I document for my claim?

What are the main differences between a public adjuster and an insurance adjuster?

What are the fees associated with hiring a public adjuster?

Understanding Your Homeowners Insurance Policy

Many property owners are often unaware of the specifics of their insurance coverage for wildfire claims. If your home has suffered damage, whether partial or total, due to a wildfire, the initial step is to understand the details of your claim. This knowledge will greatly facilitate the process of obtaining the full settlement you deserve following a fire.

Each homeowner’s insurance policy is unique, and some offer higher reimbursement limits for expenses resulting from loss than others.

Understanding the Coverage of Your Homeowners Insurance Policy

The insurance policy specifies several coverage types. It is crucial for claimants to ascertain which expenses are ordinarily covered when a loss occurs.

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Coverage A

Main Home or Dwelling

The coverage described in this segment of your policy includes all damage to your home, including any loss below the primary floor. The specified amount is the highest sum you are eligible to receive in the event of a complete loss, such as if your home were entirely destroyed by fire.

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Coverage B

Additional Structures

This section details the coverage for other structures located on the property surrounding the main dwelling. Examples include nearby buildings, fencing, landscaping, concrete driveways, swimming pools, pool decks, and various walkways.

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Coverage C

Personal Belongings

This provision covers damage or loss of your personal property, encompassing all contents within the home at the time of the fire that are owned or used by you and your family living in the residence.

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Coverage D

Living Costs

This coverage compensates for living expenses incurred when the property is uninhabitable due to damage or loss. The policy covers all necessary living costs up to the policy limits, ensuring that the insured can 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

Before filing a claim with your insurer, it is important to have an independent hygienist evaluate the extent of damage your property has suffered from a wildfire.

A Certified Industrial Hygienist will conduct tests on your property to assess levels of ash, soot, smoke, and other potential contaminants. Samples will be collected from interior surfaces, including window and floor coverings, furniture, and other porous materials, as well as air samples to identify any airborne toxins.

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After the inspection, the collected samples will be tested for toxicity. Upon receiving the results, the hygienist will prepare a comprehensive report detailing all damage caused by the wildfire. Recommendations will be provided regarding the replacement of any contaminated items.

Avoid relying on a hygienist recommended by your insurance provider, as this may lead to a conflict of interest where the hygienist could prioritize the insurer’s interests over yours. This could result in you being held responsible for the full extent of the damages.

Utilizing an independent hygienist for your property assessment will facilitate a more efficient and effective claims process, helping you secure fair and reasonable reimbursement.

We’re Here To Help
evaluate
Evaluate

Conducting a thorough review of your insurance policy to ensure a comprehensive understanding of your coverage.

your strategy
Strategy

Performing a comprehensive assessment and meticulous documentation of any possible damages.

best communication
Communication

We maintain clear communication with you throughout the entire fire insurance claim process, keeping you informed of our progress.

negotiation
Negotiation

Representing you in negotiations with your insurance provider regarding your claim.

settlement
Settlement

Securing a fair and reasonable settlement for your wildfire claim to ensure you receive the compensation you deserve.

As licensed adjusters in Orange County, we are sanctioned by the Department of Insurance to oversee a range of insurance claims, including fire damage and property loss claims. We often assist homeowners facing fire or water damage who may be unfamiliar with the nuances of filing a fire insurance claim. Our objective is to defend your rights and prevent insurance companies from offering unsatisfactory settlements. You are entitled to full compensation for any damage to your property. The Excel Adjusters team is dedicated to ensuring that you receive fair and adequate reimbursement for your losses.

Our specific services include:

  • Documenting Visible Damage: Meticulously recording all observable damage to your property.
  • Assessing Unseen Damage: Identifying and evaluating any hidden damage that may not be immediately apparent.
  • Providing Full Proof of Loss: Compiling comprehensive evidence to substantiate your claim.
  • Negotiating Your Insurance Claim on Your Behalf: Advocating for your best interests to help you gain fair and reasonable settlement.
  • Providing Loss Assessment Experts: Offering expert assessments to support your claim as needed.
  • Managing All Communications: Handling all interactions with the insurance company until your case is resolved, ensuring a stress-free experience for you.

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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