Experiencing theft can be an emotionally and financially taxing ordeal for property owners. The rush to address the loss and restore normalcy often leads to skipped steps in the claims process, affecting your settlement outcome.
At Excel Adjusters in Los Feliz, we provide the support and expertise you need during this difficult time. By carefully managing every detail of your theft claim, we help ensure that you are treated fairly and receive the compensation necessary to recover.
Theft, by definition, is the act of knowingly and intentionally taking property that belongs to someone else. This includes acts like:
It’s vital to determine if your insurance policy covers theft and vandalism. Contact your provider to discuss what is included and any limitations or exclusions. For example, certain policies may impose caps on stolen item reimbursements, which could fall short of covering your losses. Also, confirm whether your policy pays out based on actual cash value or replacement cost, as this can have a big impact on your claim’s resolution.
While you can’t fully prevent theft, these steps can help reduce the risk significantly:
Preparation for theft can make a significant difference when filing a claim. Steps to take include:
In the unfortunate event of a burglary or vandalism at your property, take these actions to safeguard your claim and pursue a fair settlement:
Make sure your property is secure before entering. If you suspect intruders are still inside, contact local law enforcement without delay.
Creating a police report is essential. It acts as an official record of the theft or vandalism, a key component for insurance claims.
Document all damages and missing items through photographs. These will provide important evidence for your insurance claim.
After notifying the police and Excel Adjusters, it’s important to prepare a thorough list of stolen or damaged items to substantiate your claim. Include:
Navigating a theft insurance claim can be incredibly stressful. Insurance companies often rely on independent adjusters, who are not necessarily working in your best interest. These adjusters might seek reasons to limit or completely deny reimbursement for your stolen property and damages. Their goal is often to minimize the payout.
Hiring a licensed public adjuster in Los Feliz, like the team at Excel Adjusters, can make all the difference. We are independent and work exclusively for you, ensuring that your claim is processed fairly. Our focus is on securing the compensation you deserve for your theft or vandalism damages, helping you achieve a reasonable settlement.
At Excel Adjusters, our focus is on assisting you with the insurance claims process, ensuring you receive a fair and reasonable settlement for your theft or vandalism insurance claim. As independent public adjusters, we work exclusively for you—not the insurance company. Here's how we can help:
We coordinate with your insurance provider to ensure that all the required details are submitted correctly and on time. While it’s possible to manage a theft claim yourself, having a public adjuster ensures that your insurance policy’s complexities are understood and your interests are safeguarded.
From the moment you file your theft claim to negotiating the final settlement, we provide support throughout the entire process. We manage the paperwork, attend inspections with field agents, and ensure the insurance company follows through.
Whether you’re at the beginning of your insurance claim or need help with a denied claim, Excel Adjusters in Los Feliz is ready to assist. We ensure your claim follows your policy’s guidelines and work 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 negotiate on your behalf to get you reimbursed for any living costs incurred while staying in temporary housing. We understand the complexities of insurance claims and will ensure that your expenses are covered, so you’re not left in a difficult financial situation.
When property damage results from theft, insurance providers may try to minimize repair costs by opting for cheaper services. This can lead to poor-quality repairs and inferior damage restoration. If you’re dissatisfied with the repairs made to your property, we can help negotiate to ensure that your policy’s "like-for-like" replacement standard is upheld. This guarantees that the replacement items will be of the same value and quality as those originally lost or damaged.
If your claim has been denied, we’ll step in and provide the necessary evidence to your insurance company to demonstrate that your theft or vandalism claim should be properly covered. We’ll ensure that you receive the compensation you’re entitled to and that your claim is resolved fairly.
We’ll take care of your theft or vandalism claim so you can direct your energy toward repairing and restoring your property.
At Excel Adjusters, we charge a nominal percentage of the amount we recover for your claim. If we don’t recover anything, there are no fees or expenses. We also offer free consultations and expert guidance every step of the way.
If your commercial property in Los Feliz has been the victim of theft, we’re ready to help you file your claim.
Under the regulations set by the State Department of Insurance, you have the right to fair compensation. The insurance company must reimburse you for the damage caused, and you’re not required to accept an unjust offer or deal with delays in the process. At Excel Adjusters, we ensure the insurance company fulfills its duty to pay you fairly when liability is clear.
*According to the Insurance Information Institute
