Insurance Policy Experts. Unmatched Client Advocacy.
Property damage can leave you unsure about how to begin the claims process or maximize your insurance benefits. Any confusion you experience may lead your insurer to deny or undervalue your claim.
Whether your home has been affected by a major event like a natural disaster or a smaller issue like a broken appliance, a public adjuster is essential. These experts specialize in residential insurance claims and have vast experience helping property owners and renters.
Excel Adjusters is a public adjusting company that has resolved over 2,200 property damage claims since 1997. With more than 24 years of experience in handling property claims, we understand the details of your insurance policy. We handle the claims process for both homeowners and business owners, ensuring the best possible settlement.
Understanding the Residential Claims Process
Residential claims can be complex, as insurance companies aim to minimize payouts. When you file a claim, they will send their adjuster to assess the damage. However, their adjuster works for the company and won’t prioritize your best interests.
In the end, your insurance company aims to pay out the least amount possible, which can make the claims process stressful, confusing, and frustrating.
This is where Excel Adjusters can help. We provide:
Advocacy Against Insurance Company Adjusters
To ensure the claims process isn’t influenced by your insurance company, we offer public insurance adjusters and expert support. A public adjuster will provide a fair evaluation, unlike the insurance company’s adjuster. Throughout the evaluation, you’ll have a trusted advocate who works solely for you.
Insurance Industry Expertise
Our licensed insurance experts have in-depth knowledge of the industry, enabling them to interpret policies, assess damages precisely, and negotiate effectively with insurance companies.
Expert Guidance Through the Claims Process
The claims process can be overwhelming, particularly when you need to collect evidence and present it to the insurance company. Our skilled public adjusters offer expert guidance, helping you feel confident from filing the claim to receiving the final settlement.
Efficient Communication with Insurance Companies
Our deep understanding of your homeowners' insurance policy enables us to communicate clearly with your insurance company. We work directly with them and their claims adjuster using terminology they understand, ensuring your interests are fully represented. This approach leads to a fair settlement that covers all necessary repairs to your property.
Why Us - Our Services
- Providing Loss Assessments Experts as Needed
- Documenting Property Damage
- Claims Strategy Development
We have strong connections with public adjusters and other professionals who can help strengthen your insurance claim. Independent experts are essential, as their evidence and analysis prioritize your interests, not those of the insurance company.
After evaluating the damages, we carefully document all evidence to back your insurance claim. This includes hidden damage, as we work with the right experts to identify issues that may be missed by you or the insurance company.
When you hire a public adjuster, we carefully review your personal insurance policies. Our goal is to create the most effective claims strategy to maximize your insurance payout based on the details of your policy and property.
- Providing Full Proof of Loss
- Managing Complex Communications
- Negotiation for The Maximum Settlement
Our thorough documentation and deep understanding of your policy will enable us to present complete proof of loss to your insurance company.
We handle all communication between the policyholder and the insurance company until the case is resolved, making the process as stress-free as possible. We also guide you through the entire fire insurance claim process, keeping you informed every step of the way.
We offer unmatched negotiation skills with insurance companies to ensure fair and just settlements. When you file claims, we use our expertise to secure the highest possible payouts.
What Our Residential Claims Services Cover
Wind & Hail Damage Claims:
Wind and hail damage, commonly linked to thunderstorms and severe weather, is the most frequent homeowners insurance claim. We will dispatch independent adjusters to evaluate the damage to your roof and other parts of your property.
Fire Damage Claims:
Fire damage can be difficult to claim due to potential hidden issues like smoke damage and broken pipes. Fortunately, we will arrange for a professional hygienist to inspect your property thoroughly before starting the claim process.
Water Damage Claims:
Water damage can be costly and destructive, but we focus on locating the source of the issue and collecting all necessary evidence for your insurance claim.
Vandalism & Theft Claims:
Although more common in commercial claims, we will work diligently to ensure you receive a fair settlement for any vandalism or theft to your property.
Personalized Claims:
We know that each claim is different. Our public adjusters offer personalized attention, customizing their approach to match the type of property damage you’ve encountered.
What is a residential insurance claim?
Residential insurance claims are made by homeowners to request financial compensation from their insurance company. If the property damage is covered under the policy, the compensation will help cover the losses.
What types of damages are typically covered by homeowners insurance?
Homeowners insurance generally covers damage from fire, windstorms, hail, theft, vandalism, and other natural disasters. However, coverage may vary by region and policy type, so it’s important to review your policy before starting the claims process.
What is the difference between a public insurance adjuster and an insurance company adjuster?
The key difference between a fire claims public adjuster and an insurance adjuster is their loyalty to your interests. Insurance companies appoint an independent adjuster, which may lead to a biased outcome. In contrast, a public adjuster works for you, representing your best interests throughout the process.
How can I prevent disputes with my insurance company?
Hiring a public insurance adjuster is the best way to avoid disputes. Their documented evidence, knowledge of your policy, and clear communication help prevent any disagreements.
How much does hiring a public adjuster cost?
Public adjusters usually take a percentage of the settlement, motivating them to secure the best possible outcome for you.
If you’re suffering from a homeowner property claim, we can help!
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