Insurance Policy Experts. Unmatched Client Advocacy.
When disaster strikes your property, it can be difficult to know how to begin the claims process and make sure you're getting the most from your insurance policy. Without clear knowledge, your insurance company may use that uncertainty to minimize or deny your claim.
Whether it’s from a large-scale disaster or a smaller incident like a broken appliance, a public adjuster is essential. These specialists have deep knowledge of residential insurance claims and years of experience helping homeowners and renters just like you.
Excel Adjusters is a trusted public adjusting firm, having successfully settled over 2,200 property damage claims since 1997. With over 24 years of experience, we understand the ins and outs of insurance policies. We take the stress out of the claims process, working to secure the highest possible settlement for both homeowners and business owners.
UNDERSTANDING THE RESIDENTIAL CLAIMS PROCESS
Residential insurance claims in Irvine can often feel overwhelming, as insurance companies are motivated to limit their payouts. After you file a claim, they’ll send their own adjuster to evaluate the damage, but this adjuster’s job is to minimize what the company has to pay, not to represent your best interests.
This creates a challenging and stressful claims process, as the insurance company strives to reduce their payout. That’s where Excel Adjusters steps in. We work on your behalf to ensure you get the fair settlement you deserve, offering:
Fighting for Your Best Interests
Insurance adjusters sent by the insurance company are focused on minimizing the payout. To protect your interests, we offer public adjusters who will work solely on your behalf. With our help, the evaluation of your Irvine property will be fair and accurate, giving you a strong advocate throughout the process.
In-Depth Insurance Expertise
Our team of licensed professionals is highly experienced in the insurance industry. We specialize in assessing property damage, interpreting policies, and negotiating with insurance companies to secure the best possible outcome for you.
Comprehensive Claims Support
Navigating the claims process can be difficult, especially when dealing with complex paperwork and negotiations. Our public adjusters will guide you through every step, providing expert advice and ensuring your claim is handled properly from start to finish.
Expert Communication with Your Insurance Company
With our comprehensive knowledge of your homeowners' insurance policy, we handle all communication with your insurance company. We make sure that our discussions are clear and professional, ensuring that your interests are always represented, leading to a fair settlement for your property restoration.
Why Us - Our Services
- Access to Expert Loss Assessments
We have established connections with experienced public adjusters and other experts necessary to support your insurance claim. Bringing in independent professionals ensures that the evidence they gather and their assessments are in your best interest, not the insurance company's.
- Complete Documentation of Property Damage
Once the damage is assessed, we document all evidence meticulously to ensure your claim is fully supported. This includes hidden damages, and we employ the right experts to uncover issues that may be missed by either you or the insurance company.
- Strategic Claims Approach
As your public adjuster in Irvine, we thoroughly review your insurance policies and develop the best possible strategy for your claim. We work to maximize your insurance payout based on the unique aspects of your policy and property.
- Complete and Accurate Proof of Loss
With our detailed documentation and deep knowledge of insurance policies, we provide a comprehensive proof of loss to your insurance company. Our approach ensures that all evidence is accounted for and presented clearly.
- Efficient Communication with the Insurance Company
We take care of all the communications with your insurer, minimizing stress and confusion for you. Throughout the process, we’ll update you regularly and guide you through every phase of the claims process, ensuring everything moves smoothly.
- Skilled Negotiation for Maximum Settlement
Our team excels at negotiating with insurance companies to secure the maximum settlement for your claim. With years of experience, we’re able to use our expertise to ensure you get the best possible payout for your losses.
WHAT OUR RESIDENTAL CLAIMS SERVICES COVER
Wind & Hail Damage Claims:
Wind and hail damage is often caused by severe weather events like thunderstorms, making it a frequent claim for homeowners. Our independent adjusters will assess your property, including the roof and other areas, to ensure all damage is properly documented for your claim.
Fire Damage Claims:
Fire damage can be difficult to claim due to potential hidden issues, such as smoke damage and damaged pipes. We’ll make sure a professional hygienist inspects your property thoroughly before you start the claims process, ensuring no damages are overlooked.
Water Damage Claims:
Water damage can be both destructive and costly. We help identify the cause of the damage and gather all necessary evidence, making sure you have everything needed to file a solid claim with your insurance company.
Vandalism & Theft Claims:
While vandalism and theft claims are typically more common in commercial properties, we still dedicate ourselves to making sure you receive the rightful compensation for any damage caused to your property.
Personalized Claims:
No two claims are the same. Our public adjusters understand this and provide personalized, attentive service, ensuring that each claim is handled based on the specific damage your property has experienced.
What is a residential insurance claim?
When a homeowner experiences property damage, they can file a residential insurance claim for compensation. As long as the damage is covered by the policy, the insurance company will compensate for the losses.
What types of damages are typically covered by homeowners insurance?
Damages from fire, windstorms, hail, theft, vandalism, and natural disasters are typically covered under homeowners insurance. However, the details of your coverage can vary based on your policy type and location, so it’s crucial to review your policy before starting the claims process.
What is the difference between a public insurance adjuster and an insurance company adjuster?
The difference between a fire claims public adjuster and an insurance adjuster is rooted in whose interests they serve. Insurance companies assign an adjuster to your claim, but they are likely to act in the company’s favor. A public adjuster, however, works for you, making sure your interests are prioritized during the claims process.
How can I prevent disputes with my insurance company?
Hiring a public insurance adjuster is the best way to prevent disputes. They’ll help document and gather the necessary evidence, ensuring you understand your policy and fostering open communication with your insurance provider.
How much does hiring a public adjuster cost?
Public adjusters work on a commission basis, taking a percentage of the settlement, which aligns their interests with yours to achieve the maximum payout.
If you’re suffering from a homeowner property claim, we can help!
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