When theft strikes, the aftermath can be overwhelming for any property owner. The initial shock and urgency to resolve the situation may cause you to bypass crucial steps in the insurance process, leaving you with a diminished settlement.
Excel Adjusters in Arcadia offers a helping hand in these difficult moments. We bring clarity and confidence to the theft claims process, meticulously handling every detail to ensure you receive the compensation you need to recover fully.
Theft, a deliberate act of taking property that doesn’t belong to you, can happen in multiple ways. Examples include:
Checking if your insurance policy covers theft and vandalism is an essential step. Contact your insurer to confirm the coverage specifics, including any exclusions or limitations. For instance, some policies may limit reimbursements for stolen items, potentially leaving you with a shortfall. Clarify whether your policy bases reimbursements on replacement cost or actual cash value, as this can significantly influence the financial resolution of your claim.
Though theft can’t be entirely eradicated, these precautions can help minimize the risk:
Being proactive about theft can help you create a strong case if it happens. Consider these measures:
After a burglary or vandalism incident at your property, following these steps can safeguard your claim and support a fair settlement:
Only re-enter your property once you’re sure it’s safe. If you suspect anyone might still be present, alert the authorities right away.
Filing a police report is a must as it provides an official account of the theft or vandalism, required for insurance purposes.
Photograph the scene, including any damages or items that are missing. These images will strengthen your case when submitting an insurance claim.
After reaching out to the police and Excel Adjusters, it’s important to compile an organized list of stolen and damaged property to validate your claim. Include:
Handling a theft insurance claim can feel like an uphill battle. Insurance companies depend on independent adjusters who are not on your side. Their goal is often to find loopholes or reasons to limit the compensation you’re entitled to for theft or related damages.
Choosing a licensed public adjuster in Arcadia, like our team at Excel Adjusters, shifts the odds in your favor. We are completely independent and act only in your best interest, ensuring your claim receives the fair and reasonable resolution it deserves.
At Excel Adjusters, we strive to help you navigate the insurance claims process and achieve a fair and reasonable settlement for your theft or vandalism insurance claim. As independent public adjusters, our allegiance is with you, not the insurance company. Here's how we can assist:
We take care of all communication with your insurance company, ensuring the necessary information is submitted without error and in a timely manner. While managing a theft claim on your own is possible, having a public adjuster ensures that your policy’s details are clear and that your interests are protected.
From filing your theft claim to negotiating the settlement, we are with you through every phase. We manage all the paperwork, attend inspections with field agents, and ensure that the insurance company fulfills their promises.
Whether you're starting your insurance claim or seeking help with a denied claim, Excel Adjusters in Arcadia is here to provide support. We ensure your claim is handled according to your policy’s provisions and advocate for the full coverage you’re entitled to.
If your insurance company refuses to cover ALE (Additional Living Expenses) or Loss of Use expenses, we’re here to assist. Our team can help negotiate reimbursement for your living expenses while you are temporarily displaced from your property. We know the ins and outs of insurance claims and can ensure that your living costs are reimbursed fairly, reducing your financial burden during this challenging time.
When property damage occurs from theft, insurance companies may try to save money by using low-cost repair services. Unfortunately, this can lead to poorly executed repairs and inferior restoration. If you are not satisfied with the repairs made to your property, we can help ensure that the "like-for-like" replacement standard in your policy is enforced. This ensures that your stolen or damaged items are replaced with comparable quality and value.
If your insurance claim has been denied, we will take immediate action to ensure that your claim is properly covered under your policy. We’ll provide your insurer with the necessary documentation and evidence to prove why your theft or vandalism claim should be approved. With our support, we’ll fight for your rights to receive the compensation you deserve.
With us by your side, you can leave the complexities of your theft or vandalism claim to us and focus solely on rebuilding your property.
At Excel Adjusters, our fee is a small percentage of the amount we recover for you. If no recovery is made, there are no charges. Additionally, we provide free consultations and ongoing support to guide you through your claim process.
If your commercial property in Arcadia has experienced theft and you need help filing a claim, we are here to guide you.
According to regulations by the State Department of Insurance, you are entitled to a fair adjustment. The insurance company has a duty to compensate you for the damages, and you are not required to accept a subpar settlement or face delays. Our team at Excel Adjusters will ensure the insurance company upholds its responsibility to provide a proper payout when liability is clear.
*According to the Insurance Information Institute
