Insurance Policy Experts. Unmatched Client Advocacy.
When property damage occurs, it’s common to feel uncertain about how to initiate your claim or make the most of your insurance coverage. This confusion can lead to your insurance company undervaluing or even denying your claim.
Whether your property is affected by a natural disaster or even a minor issue like a broken appliance, a public adjuster is crucial. These professionals are experienced in handling residential insurance claims and have the expertise to advocate for homeowners and renters like you.
At Excel Adjusters, we’ve been successfully managing property damage claims since 1997, with over 2,200 cases settled. With 24 years of experience, we know your insurance policy inside and out. We ease the burden of navigating the claims process, ensuring homeowners and business owners receive the maximum settlement possible.
UNDERSTANDING THE RESIDENTIAL CLAIMS PROCESS
Handling residential claims in Fremont can be difficult, especially since insurance companies often work to minimize the amount they pay out. When you submit a claim, the insurance company will typically send their adjuster to evaluate the damage. However, their adjuster’s priority is to protect the insurance company’s bottom line, not your interests.
This can lead to a stressful, confusing, and frustrating claims process, as the insurance company tries to pay as little as possible. That’s where Excel Adjusters comes in. We’re here to guide you through the process, offering:
Advocacy for Your Interests
Insurance company adjusters may not have your best interests in mind. That’s where we come in. Our public adjusters work exclusively for you, providing unbiased evaluations of your property and guiding you through the claims process to ensure a fair settlement.
Insurance Knowledge and Experience
With deep knowledge of the insurance industry, our licensed professionals have the skills needed to navigate the complexities of insurance policies. They can evaluate your property’s damage, interpret coverage details, and negotiate with your carrier to secure the best settlement possible.
Guidance Every Step of the Way
Filing a claim and dealing with your insurance company can be stressful. Our public adjusters offer expert guidance, helping you gather the necessary evidence, presenting it to the insurance company, and ensuring you get the compensation you deserve throughout the entire claims process.
Effective Insurance Communication for Your Benefit
Thanks to our deep knowledge of your homeowners' insurance policy, we communicate with your insurance company in a precise and efficient manner. By liaising directly with claims adjusters, we ensure that your needs are fully understood and represented, resulting in a fair and accurate settlement for your property repairs.
Why Us - Our Services
- Connecting You with Loss Assessment Experts
We work with highly skilled public adjusters and industry professionals to provide additional expertise for your insurance claim. Engaging independent experts is key, as their findings and evaluations reflect your best interests, rather than the interests of the insurance company.
- Thorough Documentation of Damages
After assessing the damage, we ensure comprehensive documentation of all evidence to support your claim. This includes identifying hidden damages that might not be immediately apparent, utilizing specialists to uncover issues that might be missed by you or your insurer.
- Creating a Customized Claims Strategy
When you hire a public adjuster in Fremont, we take time to understand your specific insurance policies. This allows us to develop a customized strategy that ensures you get the maximum possible payout, taking into account the specifics of your property and coverage.
- Complete Proof of Loss Documentation
Our thorough documentation of all evidence, paired with our in-depth knowledge of your policy, allows us to provide your insurance company with full proof of loss. We make sure everything is covered to ensure a smooth claims process.
- Streamlining Insurance Communications
We handle all communications with your insurance company to make the process as easy and stress-free as possible. Our team will guide you through each stage of your claim, keeping you up to date on the progress and providing reassurance.
- Maximizing Insurance Payouts
Through expert negotiation, we aim to secure the maximum settlement for your claim. Our experienced negotiators work tirelessly to achieve the most favorable payout, ensuring that your compensation fully covers your losses.
WHAT OUR RESIDENTAL CLAIMS SERVICES COVER
Wind & Hail Damage Claims:
Wind and hail, commonly brought on by severe weather events, are among the leading causes of homeowners' insurance claims. Our independent adjusters will thoroughly assess the damage to your roof and property to provide a complete and accurate report for your claim.
Fire Damage Claims:
Fire damage can be difficult to assess, especially when issues like smoke damage or damaged pipes are not immediately visible. We’ll have a professional hygienist inspect your property carefully before initiating the claims process to ensure all potential damages are accounted for.
Water Damage Claims:
Water damage can lead to significant destruction, but we’re here to help you navigate the process. We identify the source of the damage and collect all necessary evidence to present to your insurance company, making the claims process as smooth as possible.
Vandalism & Theft Claims:
Even though vandalism and theft claims are often more common in commercial properties, we are committed to working diligently to ensure that you receive the appropriate settlement for any damage done to your property.
Personalized Claims:
Recognizing that every claim is different, we focus on providing personalized service. Our public adjusters adapt their approach to best suit the particular damage you’ve encountered.
What is a residential insurance claim?
Homeowners submit residential insurance claims to their insurance company to request compensation for property damage. If the damages are covered by the policy, compensation will be provided.
What types of damages are typically covered by homeowners insurance?
Most homeowners insurance policies cover damages from fire, theft, windstorms, hail, vandalism, and other natural disasters. However, the extent of coverage can vary based on your location and the type of policy you have, so it’s essential to review your policy before initiating the claims process.
What is the difference between a public insurance adjuster and an insurance company adjuster?
A public adjuster for fire claims differs from an insurance adjuster in their loyalty. Insurance companies hire independent adjusters, whose findings may be biased toward the insurer. A public adjuster, on the other hand, is hired directly by you to ensure that your interests are properly represented throughout the claims process.
How can I prevent disputes with my insurance company?
To prevent disputes in the claims process, hire a public insurance adjuster. With their help in gathering and documenting evidence, along with an understanding of your policy and ongoing communication, you can avoid conflicts.
How much does hiring a public adjuster cost?
Since public adjusters charge a percentage of the settlement, they are incentivized to secure the most favorable results on your behalf.
If you’re suffering from a homeowner property claim, we can help!
Contact Us Today for a Free Consultation*According to the Insurance Information Institute
