Insurance Policy Experts. Unmatched Client Advocacy.
When property damage occurs, you might not know how to initiate the claims process or make the most of your insurance. Any confusion could cause your insurance company to deny or offer a lower payout for your claim.
No matter if the damage to your home is from a natural disaster or a minor issue like a broken appliance, a public adjuster is necessary. They are specialists in residential insurance claims with a wealth of experience supporting property owners and renters.
Excel Adjusters is a trusted public adjusting company that has settled more than 2,200 property damage claims since 1997. With 24+ years of experience, we thoroughly understand your insurance policy. We take on the claims process for both homeowners and business owners to secure the best possible outcome.
Understanding the Residential Claims Process
Insurance companies have a strong interest in keeping payouts low, making residential claims complicated. After you file a claim, they will send their own adjuster to assess the damage. This adjuster, however, won’t have your best interests in mind like an independent adjuster would.
Your insurance company’s objective is to pay as little as possible, which can lead to a stressful, confusing, and frustrating claims process.
That's when Excel Adjusters steps in. We offer:
Advocacy Against Insurance Company Adjusters
To avoid your insurance company influencing the claims process, we provide public adjusters and expert advice. A public adjuster will ensure the process is fair, unlike the insurance company’s adjuster. While your property is being assessed, you’ll have a dedicated advocate on your side.
Insurance Industry Expertise
With extensive expertise in the insurance industry, our licensed professionals can interpret policies, assess damages accurately, and negotiate skillfully with insurance carriers.
Expert Guidance Through the Claims Process
The claims process can feel daunting, especially when you need to collect evidence and communicate it to the insurance company. Our knowledgeable public adjusters offer expert assistance, ensuring you remain confident from the initial claim to the final settlement.
Efficient Communication with Insurance Companies
Our expertise in your homeowners' insurance policy helps us communicate effectively with your insurance company. We interact with them and their adjuster using clear language, ensuring your interests are well-represented. This process results in a fair settlement that fully covers your property repairs.
Why Us - Our Services
- Providing Loss Assessments Experts as Needed
- Documenting Property Damage
- Claims Strategy Development
We’re connected to public adjusters and other experts who can support your insurance claim. Independent experts play an important role, as they collect evidence and provide insights that align with your interests, rather than those of the insurance company.
After assessing the damages, we thoroughly document every piece of evidence to strengthen your insurance claim. This also covers hidden damage, with the help of experts who can identify problems that may be missed by you or the insurance company.
When you work with a public adjuster, we make sure to review your personal insurance policies in detail. Our aim is to create a strategy that maximizes your claim, taking into account your policy terms and property details.
- Providing Full Proof of Loss
- Managing Complex Communications
- Negotiation for The Maximum Settlement
Our extensive documentation and thorough knowledge of your policy allow us to deliver full proof of loss to your insurance company.
We manage all interactions between you and the insurance company until your case is finalized, helping to reduce your stress. Additionally, we will guide you through the fire insurance claim process, keeping you informed of our progress.
We excel in negotiating with insurance companies to secure fair settlements. When you file a claim, we use our knowledge to get you the best possible payout.
What Our Residential Claims Services Cover
Wind & Hail Damage Claims:
Frequently resulting from thunderstorms and severe weather, wind and hail damage is the top reason for homeowners insurance claims. We send independent adjusters to inspect the damage to your roof and other sections of your property.
Fire Damage Claims:
Fire damage claims can be complicated due to unseen issues like smoke damage and damaged pipes. To avoid this, we’ll make sure a professional hygienist thoroughly inspects your property before starting the claim process.
Water Damage Claims:
Water damage can cause significant damage and expenses, but we help find the source of the issue and collect the evidence needed for your insurance claim.
Vandalism & Theft Claims:
Although vandalism and theft are more frequent in commercial claims, we are committed to helping you secure a settlement for any damage to your property.
Personalized Claims:
We understand that no two claims are the same. Our public adjusters give personalized attention and tailor their approach to the type of damage to your property.
What is a residential insurance claim?
Homeowners make residential insurance claims to ask their insurance company for financial compensation. If the damages are covered by the policy, the compensation will cover the loss.
What types of damages are typically covered by homeowners insurance?
Homeowners insurance usually covers damage from fire, windstorms, hail, theft, vandalism, and various natural disasters. However, coverage details may vary depending on your region and policy type, so make sure to check your policy before proceeding with a claim.
What is the difference between a public insurance adjuster and an insurance company adjuster?
The main distinction between a fire claims public adjuster and an insurance adjuster is their allegiance. Insurance companies assign an independent adjuster, often leading to results that favor them. A public adjuster, however, is hired by you to work on your behalf and prioritize your interests.
How can I prevent disputes with my insurance company?
To prevent disputes, the best option is to hire a public insurance adjuster. They will document the evidence, understand your policy, and maintain open communication to ensure smooth proceedings.
How much does hiring a public adjuster cost?
Public adjusters generally receive a percentage of the settlement, encouraging them to get the best possible results on your behalf.
If you’re suffering from a homeowner property claim, we can help!
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