Insurance Policy Experts. Unmatched Client Advocacy.
When property damage happens, it can be overwhelming to know where to start or how to make sure you get the full value of your insurance coverage. Unfortunately, if you're unsure about the process, your insurance company may take advantage of that confusion and undervalue or deny your claim.
Whether the damage is caused by a major event like a natural disaster or a smaller issue like a broken appliance, you need the assistance of a public adjuster. These professionals specialize in residential insurance claims and have years of experience advocating for property owners and renters.
At Excel Adjusters, we’ve successfully settled over 2,200 property damage claims since 1997. With more than 24 years of experience handling insurance claims, we understand the complexities of your insurance policy. We handle the claims process for both homeowners and business owners, ensuring you receive the maximum settlement possible.
UNDERSTANDING THE RESIDENTIAL CLAIMS PROCESS
Dealing with residential claims in Newport Beach can be complicated, as insurance companies tend to focus on paying out as little as possible. When you file a claim, the insurance company will send their adjuster to assess the damage. However, their adjuster is not working for you—it’s their job to protect the insurance company’s interests.
This often results in a stressful, confusing, and frustrating claims process. The insurance company’s goal is to pay you as little as they can. That’s why Excel Adjusters is here to help. We’ll guide you through the process and ensure you receive the compensation you deserve by offering:
Advocacy for Fair Claims
Insurance companies often send their own adjusters, whose main goal is to reduce the payout to save money. We offer public adjusters to ensure your interests are properly represented. While your Newport Beach property is assessed, our experts will act as your advocate to ensure a fair outcome.
Insurance Industry Insight
With extensive knowledge of the insurance industry, our licensed adjusters are equipped to evaluate damages accurately and interpret policies. We know how to negotiate effectively to ensure you receive a fair payout.
Guiding You Through the Claims Process
The insurance claims process can be overwhelming, but our team is here to provide expert guidance every step of the way. From gathering evidence to negotiating your settlement, we ensure that you’re fully supported and informed throughout the entire process.
Proactive and Precise Insurance Communication
By fully understanding your homeowners' insurance policy, we communicate effectively with your insurance company on your behalf. We make sure to represent your needs accurately, resulting in a fair settlement that gives you the necessary funds to repair your property.
Why Us - Our Services
- Expert Loss Assessments to Support Your Claim
We collaborate with trusted public adjusters and other experts who are critical in strengthening your insurance claim. Independent experts play an important role, ensuring that their findings and assessments are aligned with your interests, not the insurance company’s.
- Meticulous Documentation of Property Damage
Following the damage assessment, we carefully document all evidence to back your insurance claim. This includes identifying hidden damages that might not be immediately visible, using specialists who can uncover issues you or the insurance company might otherwise miss.
- Developing a Strategic Claims Plan
When you hire us as your public adjuster in Newport Beach, we take time to fully understand your insurance policy. Our goal is to craft the most effective strategy to maximize your claim based on the unique details of your policy and property.
- Full Proof of Loss Documentation
Thanks to our detailed record-keeping and thorough understanding of insurance policies, we provide your insurance company with complete proof of loss. We ensure all aspects of your claim are fully supported with the necessary evidence.
- Handling All Communications with the Insurer
We manage all communication between you and the insurance company to make the process as stress-free as possible. Our team will guide you through the entire fire insurance claim process, keeping you informed and at ease.
- Maximizing Your Claim Settlement
We work hard to negotiate the highest possible settlement with your insurance company. By leveraging our experience and negotiating skills, we ensure you receive the maximum payout you deserve for your claim.
WHAT OUR RESIDENTAL CLAIMS SERVICES COVER
Wind & Hail Damage Claims:
Severe weather, such as thunderstorms, often leads to wind and hail damage, which is a common cause for homeowners insurance claims. We’ll deploy independent adjusters to inspect your roof and property for damage, ensuring a comprehensive report is provided for your claim.
Fire Damage Claims:
Fire damage can be tricky to handle due to hidden issues such as smoke and water damage to pipes. We’ll arrange for a professional hygienist to evaluate your property thoroughly, ensuring all damages are accounted for before you begin the claims process.
Water Damage Claims:
Water damage can be devastating to your home and costly to repair. We’ll work to identify the source of the water damage and gather all the evidence needed to support your claim, ensuring your case is solid when presented to your insurance provider.
Vandalism & Theft Claims:
Although vandalism and theft are more frequently seen in commercial claims, we are committed to ensuring you receive the full settlement you deserve for any damage caused to your property.
Personalized Claims:
We know every situation is different. That’s why our public adjusters offer customized support, tailoring their approach to the specific damages your property has sustained.
What is a residential insurance claim?
Homeowners file residential insurance claims to request financial compensation for property damage. Compensation will be provided if the damages are covered under the terms of the insurance policy.
What types of damages are typically covered by homeowners insurance?
Most homeowners insurance policies cover damage from fire, windstorms, hail, theft, vandalism, and other natural disasters. Coverage may vary by region and policy type, so be sure to carefully check your policy before you begin the claims process.
What is the difference between a public insurance adjuster and an insurance company adjuster?
A fire claims public adjuster differs from an insurance adjuster in their role and allegiances. Insurance adjusters are appointed by the insurance company and may work in their favor, while a public adjuster is someone you hire to represent your best interests and ensure you receive the compensation you deserve.
How can I prevent disputes with my insurance company?
To avoid disputes, the most effective solution is to hire a public insurance adjuster. With proper documentation of evidence, a clear understanding of your policy, and transparent communication, potential conflicts can be minimized.
How much does hiring a public adjuster cost?
Public adjusters typically charge a fee based on a percentage of your settlement, which encourages them to fight for the highest possible compensation on your behalf.
If you’re suffering from a homeowner property claim, we can help!
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