The experience of theft can shake any property owner to the core, bringing a mix of fear and frustration. In the rush to address the loss, many skip essential steps in the claims process, risking their chances of obtaining a full and fair settlement.
At Excel Adjusters in Manhattan Beach, we’re here to lighten that burden. From start to finish, we manage your theft claim with care and expertise, ensuring nothing is overlooked and advocating for the compensation you rightfully deserve.
Defined as the intentional taking of property that belongs to someone else, theft encompasses several scenarios, such as:
Confirming theft and vandalism coverage under your insurance policy is crucial. Speak with your insurance provider to identify what is covered and whether there are any restrictions or exclusions. Some policies may place limits on reimbursements for stolen items, which might result in insufficient compensation. Also, ask whether your policy covers replacement costs or actual cash value, as this can make a big difference when filing a claim.
While theft cannot be entirely prevented, here are some ways to reduce the risk:
Taking precautions against theft can help you build a robust case if it occurs. These steps include:
When faced with burglary or vandalism at your property, taking these measures can help secure your claim and ensure a fair settlement:
Do not re-enter your property until you’re confident it is secure. If you think someone may still be inside, promptly call the police.
A police report is necessary to create an official record of the event, serving as required documentation for insurance claims related to theft or vandalism.
Use photographs to document the condition of your property and any missing items. This visual evidence is critical for your insurance claim.
After informing the police and Excel Adjusters, take the time to create a thorough list of all stolen and damaged items. This helps to validate your ownership and the value of the items. Include:
Navigating an insurance claim after theft can be frustrating and confusing. Insurers count on independent adjusters to assess claims, but these adjusters are not aligned with your interests. Their objective may be to limit the amount reimbursed for your theft or property damage.
Turning to a licensed public adjuster in Manhattan Beach, like the professionals at Excel Adjusters, is a smart move. We work exclusively for you, not the insurance company, to ensure that your claim is processed fairly and you receive the settlement you deserve.
At Excel Adjusters, we aim to guide you through the insurance claims process, helping you secure a fair and reasonable settlement for your theft or vandalism claim. As independent public adjusters, we are dedicated to working for you, not the insurance company. Here's how we can assist:
We handle communication with your insurance provider, ensuring that all required information is submitted correctly and promptly. While it's possible to manage a theft claim on your own, having a public adjuster on your side helps navigate the complexities of your policy and ensures your interests are fully protected.
From the first step of filing your theft claim to negotiating the final settlement, we are with you at every turn. We manage the paperwork, attend inspections with field agents, and ensure the insurance company upholds their responsibilities.
Whether you’re starting the insurance claim process or challenging a denied claim, Excel Adjusters in Manhattan Beach is ready to help. We make sure your claim is processed in line with your policy’s terms, fighting for the full coverage you're entitled to.
If your insurance company refuses to cover ALE (Additional Living Expenses) or Loss of Use expenses, it can add significant financial strain during an already difficult time. We can help by negotiating with your insurance provider on your behalf, ensuring that you are reimbursed for any living expenses incurred while temporarily relocated. Our expertise will ensure that the claims process runs smoothly and efficiently, protecting your interests at every stage.
When property damage results from theft, insurance companies often try to reduce their repair expenses by opting for lower-quality services. This can lead to poor-quality repairs and subpar restoration work that doesn’t meet your expectations. If you’re unhappy with the repairs made, we can advocate for you, ensuring the "like-for-like" replacement clause in your policy is honored. This guarantees that any items replaced will be of the same quality and value as those originally stolen or damaged.
If your claim has been denied, we will step in to assist. We will provide the necessary evidence and reasoning to your insurer to ensure that your theft or vandalism claim is properly covered under the terms of your policy. We’ll fight for your rights to receive the compensation you deserve for your losses.
Let us handle the details of your theft or vandalism claim while you concentrate on bringing your property back to its original condition.
We charge a small percentage of the recovery amount at Excel Adjusters, based on the final settlement we secure for you. If no recovery is made, you won’t incur any charges. Plus, we offer free consultations and expert guidance on your claim.
If your commercial property in Manhattan Beach has been burglarized, we are ready to assist you in filing a theft claim.
According to the State Department of Insurance, you have the right to receive a fair adjustment on your claim. Your insurance company is legally required to compensate you for your losses, and you should never feel pressured to accept a low settlement or delayed payment. At Excel Adjusters, we protect your rights as a policyholder and make sure the insurance company fulfills their duty to pay when liability is clearly established.
*According to the Insurance Information Institute
