Insurance Policy Experts. Unmatched Client Advocacy.
After property damage, you may be unsure about how to start the claims process or how to get the most from your insurance. This uncertainty can lead your insurer to deny or undervalue your claim.
Whether the damage to your home is caused by a major event or something smaller like a broken appliance, hiring a public adjuster is important. These professionals are experts in residential insurance claims and have years of experience assisting homeowners and renters.
With over 24 years of experience, Excel Adjusters has successfully settled over 2,200 property damage claims since 1997. We know your insurance policy inside and out. Our team manages the entire claims process for both homeowners and business owners, ensuring a maximum settlement.
Understanding the Residential Claims Process
Residential claims can be difficult due to insurance companies’ desire to minimize payouts. When you file a claim, they will send an adjuster to evaluate the damage. However, their adjuster’s focus will be on the company's interests, not yours.
Ultimately, insurance companies focus on minimizing payouts, which can make the claims process more stressful, confusing, and frustrating.
This is where Excel Adjusters can make a difference. We offer:
Advocacy Against Insurance Company Adjusters
We offer public insurance adjusters and expert guidance to protect your interests in the claims process. A public adjuster will level the playing field, unlike the insurance company’s adjuster. You’ll have a knowledgeable advocate working only for you during the evaluation of your property.
Insurance Industry Expertise
Our licensed insurance professionals bring a wealth of industry knowledge, along with the skills to interpret policies, assess damages, and negotiate effectively with insurance companies.
Expert Guidance Through the Claims Process
Dealing with the claims process can be stressful, particularly when you need to gather evidence and submit it to the insurance company. Our experienced public adjusters provide guidance, ensuring you feel confident from the start of the claim through to the final settlement.
Efficient Communication with Insurance Companies
We understand your homeowners' insurance policy in detail, allowing us to communicate efficiently with your insurance company. We engage with them and their claims adjuster in a way that ensures effective representation of your interests. This leads to a fair settlement that provides the funds needed for your property repairs.
Why Us - Our Services
- Providing Loss Assessments Experts as Needed
- Documenting Property Damage
- Claims Strategy Development
We work closely with public adjusters and other professionals who can help strengthen your insurance claim. It’s important to involve independent experts, as their findings and analysis are focused on your best interests, not the insurance company’s.
We assess the damages and carefully document all the evidence to back your insurance claim. This includes any hidden damage, as we utilize the right experts to find problems that may be overlooked by you or your insurer.
Hiring a public adjuster means we’ll spend time analyzing your personal insurance policies. This helps us develop an effective claims strategy to maximize your payout based on the specifics of your policy and property.
- Providing Full Proof of Loss
- Managing Complex Communications
- Negotiation for The Maximum Settlement
Through our careful documentation and strong understanding of your policy, we can submit complete proof of loss to your insurance company.
All communications between you and the insurance company will be handled by us until your case is settled, making the process easier for you. We’ll also provide step-by-step guidance throughout the fire insurance claim process, keeping you up to date.
Our unmatched negotiation skills with insurance companies allow us to obtain fair settlements. We work hard to secure the best payouts for you when you file insurance claims.
What Our Residential Claims Services Cover
Wind & Hail Damage Claims:
Wind and hail damage, typically caused by thunderstorms and severe weather, is the most common reason for homeowners insurance claims. Our independent adjusters will evaluate the damage to your roof and other parts of your property.
Fire Damage Claims:
The hidden damage caused by smoke, broken pipes, and more can make fire damage claims tricky. Thankfully, we will arrange for a professional hygienist to carefully evaluate your property before we begin the claim process.
Water Damage Claims:
Water damage can be both expensive and damaging, but we strive to pinpoint the source and gather all the evidence to strengthen your insurance claim.
Vandalism & Theft Claims:
While these issues are more common in commercial claims, we will work hard to ensure you receive compensation for any vandalism or theft affecting your property.
Personalized Claims:
Every claim is different, and we understand that. Our public adjusters offer customized attention, adapting their strategy to the specific property damage you've faced.
What is a residential insurance claim?
Residential insurance claims involve homeowners requesting compensation from their insurance provider. As long as the damages are covered by the policy, the compensation will address the losses.
What types of damages are typically covered by homeowners insurance?
Damages from fire, windstorms, hail, theft, vandalism, and other natural disasters are typically covered by homeowners insurance. But coverage can vary by region and policy type, so it’s essential 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 lies in whose interests they represent. Insurance companies will appoint an independent adjuster, which may bias the outcome in their favor. A public adjuster, on the other hand, is hired to advocate for your best interests.
How can I prevent disputes with my insurance company?
The ideal way to avoid disputes is by working with a public insurance adjuster. Their documented evidence, understanding of your policy, and clear communication are key to preventing conflicts.
How much does hiring a public adjuster cost?
The fee for public adjusters is typically a percentage of the settlement, which motivates them to work towards the best outcome for you.
If you’re suffering from a homeowner property claim, we can help!
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