Insurance Policy Experts. Unmatched Client Advocacy.
After property damage occurs, it can be difficult to know how to start the insurance claims process or how to maximize your coverage. Any uncertainty could lead to your insurance company undervaluing or denying your claim.
Whether your property is damaged by a large-scale natural disaster or a smaller issue like a broken appliance, a public adjuster is essential. These professionals are experts in residential insurance claims and have a track record of helping homeowners and renters get fair compensation.
Excel Adjusters is a trusted public adjusting firm with over 24 years of experience and more than 2,200 successful property damage claims settled since 1997. We have an in-depth understanding of insurance policies, and we handle the claims process for both homeowners and business owners, ensuring you receive the maximum settlement possible.
UNDERSTANDING THE RESIDENTIAL CLAIMS PROCESS
Residential claims in Yorba Linda can be complex, as insurance companies often aim to minimize their payouts. When you file a claim, their first step will be to send their adjuster to assess the damage. However, this adjuster works on behalf of the insurance company, not in your best interest.
The goal of the insurance company is to pay you as little as possible, which can make the claims process stressful and confusing. That’s where Excel Adjusters steps in. We provide expert assistance by offering:
Advocacy Against Insurance Adjusters
Insurance companies often have adjusters working to minimize payouts. To level the playing field, we provide public insurance adjusters who will advocate for you. Unlike the insurance company’s adjuster, who works for their benefit, our adjusters work solely on your behalf. While your property in Yorba Linda is evaluated, you’ll have an expert advocate on your side.
Industry Expertise
Our licensed insurance professionals bring years of experience, offering in-depth knowledge of the insurance industry. With the ability to accurately assess damage, interpret insurance policies, and negotiate effectively, we ensure you receive a fair settlement.
Expert Claims Guidance
The claims process can be daunting, especially when gathering evidence and presenting it to the insurance company. Our skilled public adjusters guide you step by step, providing expert support from the initial claim to final resolution, ensuring you’re never in the dark.
Clear and Effective Communication with Your Insurance Provider
With our in-depth understanding of your homeowners’ insurance policy, we handle all communication with your insurance company efficiently. By speaking their language, we ensure that your interests are represented clearly. This results in a fair and comprehensive settlement to help you restore your property.
Why Us - Our Services
- Providing Expert Loss Assessments
We are connected with experienced public adjusters and specialized experts to strengthen your insurance claim. By involving independent professionals, we ensure that the evidence they collect and their analysis serve your interests, not those of the insurance company.
- Comprehensive Property Damage Documentation
After assessing the damage to your property, we meticulously document all the evidence needed for your insurance claim. This includes identifying hidden damages that might be overlooked, utilizing the right experts to uncover issues that either you or the insurance company might miss.
- Tailored Claims Strategy Development
When you hire us as your public adjuster in Yorba Linda, we take the time to thoroughly review your insurance policies. Our goal is to create a strategic approach that maximizes your claim, ensuring that every aspect of your policy and property is accounted for in the process.
- Comprehensive Proof of Loss Submission
Our in-depth documentation and understanding of your policy enable us to present a complete proof of loss to your insurance company. We ensure that all necessary evidence is clearly presented to support your claim.
- Handling Complex Communication
We manage all communications between you and the insurance company, so you don’t have to worry about navigating complicated discussions. We’ll keep you updated throughout the entire claims process, ensuring you're informed every step of the way.
- Maximizing Your Settlement
Our team is dedicated to negotiating the highest possible settlement for your claim. We use our experience and skills to secure the most favorable outcomes, ensuring you receive the compensation you deserve.
WHAT OUR RESIDENTAL CLAIMS SERVICES COVER
Wind & Hail Damage Claims:
Wind and hail damage, often a result of severe weather like thunderstorms, is one of the most common claims made under homeowners insurance. We send independent adjusters to evaluate damage to your roof and other parts of your property to ensure an accurate assessment.
Fire Damage Claims:
Fire damage can be difficult to claim, as it may involve hidden issues such as smoke damage or ruined pipes. We’ll make sure a professional hygienist thoroughly inspects your property before you file your claim, ensuring no details are missed.
Water Damage Claims:
Water damage is both costly and destructive. We help by pinpointing the source of the damage and gathering all necessary evidence to support your insurance claim, ensuring you’re fully prepared to file with your insurer.
Vandalism & Theft Claims:
Vandalism and theft are typically more frequent in commercial property claims, but we are dedicated to helping you secure a fair settlement for any damage or loss caused by these incidents to your property.
Personalized Claims:
We know that each claim is different. Our public adjusters provide individualized attention, customizing their approach to the specific type of property damage you’re dealing with.
What is a residential insurance claim?
Residential insurance claims are submitted by homeowners to their insurance providers for financial reimbursement. Compensation will be provided for losses, provided the damages are covered under the insurance policy.
What types of damages are typically covered by homeowners insurance?
Homeowners insurance usually covers damages from fires, windstorms, hail, theft, vandalism, and other natural disasters. However, the specifics of your coverage may differ depending on your location and policy type, so it’s important to review your policy before starting the claims process.
What is the difference between a public insurance adjuster and an insurance company adjuster?
The key distinction between a public adjuster for fire claims and an insurance adjuster lies in whose interests they represent. Insurance companies typically appoint an independent adjuster, whose findings may be biased in their favor. In contrast, a public adjuster is someone you hire to advocate for your best interests throughout the claims process.
How can I prevent disputes with my insurance company?
The best way to avoid disputes is by hiring a public insurance adjuster. Their expertise in documenting evidence, combined with a thorough understanding of your policy and consistent communication, helps prevent any potential disagreements.
How much does hiring a public adjuster cost?
Public adjusters usually take a percentage of the final settlement, which motivates them to secure the best possible outcome for you.
If you’re suffering from a homeowner property claim, we can help!
Contact Us Today for a Free Consultation*According to the Insurance Information Institute
