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Property damage can make it difficult to know how to begin the claims process or how to use your insurance coverage effectively. Any confusion you have could result in your insurance company denying or undervaluing your claim.
From a major natural disaster to something as simple as a broken appliance, your home might require a public adjuster. These professionals are experienced in handling residential insurance claims and represent property owners and renters effectively.
Excel Adjusters is a public adjusting firm that has settled over 2,200 property damage claims since 1997. With 24 years of experience, we are well-versed in your insurance policy. We handle the claims process for homeowners and business owners, striving to secure the highest possible settlement.
Understanding the Residential Claims Process
Insurance companies are motivated to pay as little as possible, making residential claims challenging. After you file a claim, their adjuster will come to assess the damage. Unlike an independent adjuster, theirs won’t be looking out for your best interests.
The goal of your insurance company is to reduce payouts, often making the claims process stressful, confusing, and frustrating.
At this point, Excel Adjusters can help. We provide:
Advocacy Against Insurance Company Adjusters
To keep your insurance company from skewing the claims process, we offer public adjusters and expert guidance. A public adjuster will provide a balanced evaluation, unlike the insurance company’s adjuster. You’ll have an expert working exclusively on your behalf while your property is being assessed.
Insurance Industry Expertise
Our team of licensed professionals has a deep understanding of the insurance industry, allowing them to interpret policies, assess damages correctly, and negotiate strategically with insurance carriers.
Expert Guidance Through the Claims Process
The claims process can be difficult, especially when you’re working to collect evidence and present it to the insurance company. Our experienced public adjusters offer expert guidance, making sure you’re confident every step of the way, from filing to settlement.
Efficient Communication with Insurance Companies
With our extensive knowledge of your homeowners' insurance policy, we communicate directly and effectively with your insurance company. We work with them and their adjuster in terms they understand, ensuring your interests are safeguarded. This results in a fair settlement that covers all your property repair needs.
Why Us - Our Services
- Providing Loss Assessments Experts as Needed
- Documenting Property Damage
- Claims Strategy Development
Our team is well-connected with public adjusters and other experts who can aid in strengthening your insurance claim. Involving independent experts is crucial, as their evidence and analysis are focused on your interests, not those of the insurance company.
Once we assess the damages, we make sure to document all the evidence needed to support your claim. This includes hidden damage, as we collaborate with experts to identify any issues that might be missed by you or the insurance company.
When you hire a public adjuster, we carefully study your personal insurance policies. Our goal is to build the best possible claims strategy to ensure we 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 detailed evidence and expertise in your policy ensure we can present full proof of loss to your insurance company.
We take over all communication with the insurance company until your case is resolved, making the experience stress-free. We’ll also walk you through the entire fire insurance claim process, ensuring you’re updated on our progress.
We specialize in negotiating with insurance companies to guarantee fair and just settlements. When filing claims, we apply our skills to achieve the best possible payouts for you.
What Our Residential Claims Services Cover
Wind & Hail Damage Claims:
Wind and hail damage, which often occurs during thunderstorms and severe weather, is the leading cause of homeowners insurance claims. We send independent adjusters to examine the damage to your roof and other parts of your property.
Fire Damage Claims:
Fire damage can be difficult to claim because of potential hidden issues such as smoke or pipe damage. We will ensure a professional hygienist conducts a thorough inspection of your property before the claims process starts.
Water Damage Claims:
Water damage can be overwhelming and costly, but we focus on identifying the cause and collecting all the necessary evidence to file your insurance claim.
Vandalism & Theft Claims:
Although more common in commercial claims, we will make sure you receive a fair settlement for any vandalism or theft that occurs on your property.
Personalized Claims:
We realize that each claim has its own circumstances. Our public adjusters provide personalized service, adjusting their approach to fit the specific type of damage to your property.
What is a residential insurance claim?
A residential insurance claim is a homeowner’s way of seeking compensation from their insurance company. If the damage is covered by the policy, the compensation will help recover the losses.
What types of damages are typically covered by homeowners insurance?
Homeowners insurance generally covers damages caused by fire, windstorms, hail, theft, vandalism, and other natural disasters. Since coverage can differ by region and policy, it’s important to review your policy before beginning the claims process.
What is the difference between a public insurance adjuster and an insurance company adjuster?
The primary difference between a fire claims public adjuster and an insurance adjuster is who they represent. Insurance companies use independent adjusters, which may affect the outcome to benefit them. A public adjuster is someone you hire to ensure your interests are represented fairly.
How can I prevent disputes with my insurance company?
Preventing disputes is best achieved by hiring a public insurance adjuster. Their thorough documentation, knowledge of your policy, and effective communication will minimize the chances of conflicts.
How much does hiring a public adjuster cost?
Public adjusters usually charge a percentage of the final settlement, which drives them to obtain the best possible results for you.
If you’re suffering from a homeowner property claim, we can help!
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