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Public Adjusters For Fire and Smoke Claims in San Jose

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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 San Jose.

Buildings that remain intact following a wildfire can experience both observable and latent damage from smoke, soot, ash, and possible water-related issues. The intense winds commonly associated with wildfires can disperse debris widely, causing extensive smoke infiltration into properties.

With a history of successfully settling more than 2,200 property damage claims since 1997, Excel Adjusters has over 24 years of experience in property claims management. Our skilled adjusters have extensive knowledge of insurance policies and building repairs. We take on the complexities of insurance claims for homeowners and business owners, ensuring they receive a fair and reasonable settlement due to them.

Fireman extinguishing fire

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 impact of wildfires often extends beyond visible damage and can be quite extensive. This may involve:

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

With offices located in Los Angeles, San Francisco, Irvine, and Orange County, we are equipped to assist you with your wildfire claims process from start to finish across the state of California.

WHAT TO FOCUS ON AFTER WILDFIRE DAMAGE

Understanding the following topics can assist in getting you a fair and reasonable wildfire claim settlement in San Jose. For a free discussion about your claim, do not hesitate to call us at (213-800-3333).

What steps should I take first when submitting a wildfire insurance claim?

Does my insurance policy include coverage for damage surges?

What procedures does my insurance company follow for wildfire claims?

How does a fire claims public adjuster differ from an insurance adjuster?

What expenses must be recorded for my claim?

How does a public adjuster differ from an insurance adjuster?

What is the typical cost for a public adjuster?

Understanding Your Homeowners Insurance Policy

Many property owners are not well-versed in the extent of their insurance coverage for wildfire-related claims. If your residence has sustained any damage, whether partial or complete, from a wildfire, the first step is to familiarize yourself with your claim. This approach will make it considerably easier to achieve the full settlement you are rightfully owed after a fire.

Every homeowner’s insurance policy varies, with some policies offering higher limits for reimbursement of expenses related to loss compared to others.

Understanding the Coverage of Your Homeowners Insurance Policy

Your insurance policy outlines various types of coverage. It is essential for claimants to review and confirm which expenses are generally covered in the event of a loss.

House in front of foggy hill and lake

Coverage A

Main Home or Dwelling

This section of your policy provides coverage for all damage to your home, including any loss sustained below the main floor. The coverage limit specified in the policy represents the fair and reasonable amount you can claim if your home is completely destroyed by fire, reflecting a total loss of the property.

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Coverage B

Additional Structures

This provision covers additional structures in the vicinity of the main home. Examples encompass surrounding buildings, fencing, landscaping elements, concrete driveways, pools, pool decks, and various walkways.

Home keys

Coverage C

Personal Belongings

This section of the policy addresses coverage for damage or loss of your personal belongings. It includes all contents within the home at the time of the fire that are owned or used by you and your family residing in the residence.

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Coverage D

Living Costs

This coverage reimburses costs for living arrangements when the property is rendered uninhabitable due to damage or loss. It covers all living expenses up to the policy limits, enabling the insured to continue living comfortably as they were accustomed to before the incident.

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

It is essential to engage an independent hygienist to assess the extent of damage your property has sustained from a wildfire. This evaluation should be conducted prior to filing a claim with your insurance company.

A Certified Industrial Hygienist will perform an assessment of your property to measure the presence of ash, soot, smoke, and other contaminants. This will include sampling from various interior surfaces, including window and floor coverings, furniture, and soft materials, as well as conducting air sampling to identify any toxic substances.

hygienist-wildfire-claim

Once the inspection is complete, toxicity tests will be conducted on the samples. The hygienist will then create a report summarizing the damages from the wildfire and will provide recommendations on whether any contaminated items should be replaced.

Refrain from using a hygienist suggested by your insurance provider, as this could lead to the hygienist serving the insurer’s interests rather than your own. This may result in you being accountable for the entire cost of the damages.

Engaging an independent hygienist to inspect your property will enhance the efficiency and effectiveness of the claims process, ensuring you receive the fair and reasonable reimbursement to which you are entitled.

We’re Here To Help
your evaluation
Evaluate

Performing an in-depth review of your insurance policy to achieve a detailed understanding of your coverage.

your analysis
Strategy

Conducting a thorough assessment and detailed documentation of any potential damages.

your communication
Communication

Throughout the fire insurance claim process, we ensure you are regularly updated on our progress with consistent communication.

good negotiation
Negotiation

Managing the negotiation process for your insurance claim to advocate for your interests.

good settlement
Settlement

Resolving your wildfire claim in San Jose to obtain the fullest compensation you are eligible for.

As a licensed adjuster, we are authorized by the Department of Insurance to manage a wide range of insurance claims, including those related to fire damage, house fires, and property loss. We frequently assist homeowners who are unfamiliar with the intricacies of the fire insurance claim process. Our role is to safeguard your interests and ensure that insurance companies provide fair settlements, protecting you from undervaluation. As a policyholder, you are entitled to full compensation for any property loss. The Excel Adjusters team is dedicated to ensuring you receive just and equitable reimbursement for your damages.

Our specific services include:

  • Documenting Visible Damage: Accurately capturing and recording all visible damage to your property.
  • Assessing Unseen Damage: Investigating and assessing any hidden damage to ensure a complete evaluation of your loss.
  • Providing Full Proof of Loss: Assembling and presenting thorough evidence to support your insurance claim.
  • Negotiating Your Claim: Advocating on your behalf to secure a fair and reasonable settlement outcome.
  • Offering Loss Assessment Expertise: Providing access to expert loss assessment professionals as required.
  • Overseeing Communications: Taking charge of all communication with the insurance company until the case is resolved, allowing you to remain stress-free.

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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