Theft brings an unsettling mix of emotions for property owners, from anger to helplessness. In the rush to file a claim and restore order, important details can be overlooked, risking a reduced insurance settlement.
Excel Adjusters in Eagle Rock is here to ease your burden. Our team guides you through the entire claims process, ensuring every step is handled with care so you can secure the compensation you’re owed without added stress.
Knowingly and unlawfully taking another’s property constitutes theft, which can happen through actions such as:
Ensure your insurance policy includes theft and vandalism coverage by contacting your provider for details. It’s important to understand any exclusions or limits, such as caps on reimbursement for stolen goods, which might not fully compensate for your loss. Also, ask whether the policy provides reimbursement based on actual cash value or replacement costs, as this difference can significantly affect your insurance claim’s outcome.
Completely preventing theft isn’t possible, but the following actions can help reduce the risk:
Being ready for theft can strengthen your claim and ease the process. Consider these steps:
When dealing with the aftermath of burglary or vandalism at your property, these steps can aid in protecting your claim and achieving a reasonable settlement:
Don’t re-enter your property until you know it’s safe. If you think someone may still be there, notify the authorities immediately.
Filing an official report with the police is crucial. It establishes a record of the incident, required for theft or vandalism claims.
Photograph any damage or missing items thoroughly. This evidence will be instrumental in your insurance claim process.
Once you’ve contacted the police and Excel Adjusters, compile a detailed inventory of all stolen or damaged items to prove ownership and value. Include:
After a theft, the insurance claim process can feel like an uphill battle. Insurance companies tend to rely on independent adjusters who are not focused on your needs. They might look for ways to minimize or deny your claim, leaving you with inadequate compensation for the damages or stolen items.
When you hire a licensed public adjuster in Eagle Rock, such as the team at Excel Adjusters, you are getting professional support. We are independent and represent only you, not the insurance company. We work tirelessly to ensure your claim is settled fairly, securing the compensation you are entitled to for your losses.
Excel Adjusters is dedicated to helping you navigate the insurance claims process and securing a fair and reasonable settlement for your theft or vandalism insurance claim. As independent public adjusters, we represent you—not the insurance company. Here's how we can assist:
We serve as the point of contact with your insurance company, ensuring all the necessary information is submitted quickly and accurately. Although you can handle a theft claim independently, having a public adjuster ensures that the details of your policy are fully understood, and your interests are protected.
We are with you from filing your theft claim to negotiating your settlement. We handle all necessary paperwork, attend inspections alongside field agents, and ensure the insurance company meets their commitments.
Whether you’re starting the insurance claim process or need assistance with a denied claim, Excel Adjusters in Eagle Rock is here for you. We ensure that your claim is processed according to the terms of your policy, fighting to secure the full coverage you're entitled to.
If your insurance company refuses to cover ALE (Additional Living Expenses) or Loss of Use expenses, we can assist by negotiating reimbursement for the living costs you’ve incurred while temporarily displaced. Our team has experience handling these claims and will ensure that you’re not left without support during this challenging time.
When property damage occurs from theft, your insurance provider may try to cut costs by using cheaper services that result in subpar repairs. If you’re not happy with the quality of the repairs, we can step in to ensure that your insurance company follows through with the "like-for-like" replacement standard, guaranteeing that you receive items of equal value and quality.
If your claim is denied, we’ll gather strong evidence and work with your insurer to demonstrate that your theft or vandalism claim should be properly covered under your policy. We’ll fight for the compensation you deserve and ensure that your claim is handled fairly.
Let us manage the complexities of your theft or vandalism claim, giving you the freedom to focus on repairing and restoring your property.
Excel Adjusters charges a small fee based on the settlement we achieve for your claim. If we do not recover anything, we don’t charge any fees or expenses. Our team also offers free consultations and advice on your case.
If your commercial property in Eagle Rock has been burglarized, we are here to assist you in filing a theft claim.
The State Department of Insurance ensures you have the right to a fair settlement. Your insurance company is required to compensate you for your losses, and you are under no obligation to accept a low offer or delays in processing. Our team at Excel Adjusters works to ensure the insurance company upholds its obligations and makes a fair payment when liability is clear.
*According to the Insurance Information Institute
