Theft is a jarring event that leaves property owners feeling unsettled and unsure of how to proceed. Acting too quickly in such moments can lead to mistakes in the claims process, jeopardizing your ability to obtain a satisfactory settlement.
At Excel Adjusters in Pasadena, we take the guesswork out of navigating theft claims. Our experienced team manages the process from beginning to end, ensuring your claim is handled with precision and you receive the compensation you’re entitled to.
Theft involves knowingly and unlawfully taking another person’s belongings. It can occur in situations such as:
Understanding whether your insurance policy covers theft and vandalism is critical. Reach out to your insurance provider to review coverage details and any potential exclusions. Some policies cap reimbursement amounts for stolen goods, which might not align with their value. Additionally, ask whether your policy uses actual cash value or replacement costs to calculate payouts, as this can substantially impact your claim.
Eliminating theft risk entirely is impossible, but you can take these steps to deter it:
Taking steps to prepare for theft can bolster your case in the aftermath. Proactive measures include:
If your property has been targeted by burglars or vandals, these steps can help protect your claim and increase the chances of receiving an equitable settlement:
Before going back inside your property, ensure there are no dangers. Call the police immediately if you believe someone may still be there.
A police report is critical because it establishes an official record of the incident, which is a necessary step for insurance claims.
Take detailed photos of any damaged or stolen items. These images will serve as crucial evidence when filing your claim.
Once you’ve contacted the police and Excel Adjusters, ensure you create a precise list of all stolen and damaged items to back up your claim. Include:
After a theft, navigating the insurance claim process can be challenging. Insurance companies use independent adjusters who are not working to protect your interests. Instead, they may focus on reducing or even denying your reimbursement for stolen property or damages.
By partnering with a licensed public adjuster in Pasadena, like the team at Excel Adjusters, you gain an advocate solely for you. We are independent professionals who ensure your claim is handled fairly and that you receive the settlement you’re entitled to.
Excel Adjusters is here to help you navigate the insurance claims process and secure a fair and reasonable settlement for your theft or vandalism claim. As independent public adjusters, we work directly for you—not the insurance company. Here's how we can assist:
We handle all communications with your insurance provider, ensuring everything is submitted correctly and promptly. Although you could manage a theft claim independently, having a public adjuster ensures you fully understand the complexities of your insurance policy and that your interests are protected.
We are here for you at every step, from filing your initial theft claim to securing the settlement. We take care of the paperwork, attend inspections with field agents, and ensure that the insurance company meets their obligations.
Whether you're just starting your claim or need assistance with a denied claim, Excel Adjusters in Pasadena is here to help. We ensure the claim is handled as per your policy’s terms, fighting for the complete coverage you're entitled to.
If your insurance company refuses to cover ALE (Additional Living Expenses) or Loss of Use expenses, we can step in to negotiate on your behalf. Our team will ensure that you are reimbursed for the living expenses incurred while you are temporarily relocated. We have a proven track record of helping clients secure the coverage they deserve, allowing you to focus on other aspects of your recovery.
When property damage results from theft, insurance companies may try to cut costs by using lower-quality services. This often results in substandard repairs and unprofessional damage restoration. If you’re unhappy with the work done, we’ll help you ensure that the "like-for-like" replacement clause is applied to your policy. This ensures that your stolen or damaged items are replaced with items of equal value and quality.
If your insurance claim has been denied, we will intervene and help you present strong evidence to your insurer. Our team will make sure that your theft or vandalism claim is properly covered, ensuring you receive the compensation you're entitled to under your policy.
Let us take the burden of handling your theft or vandalism claim off your shoulders while you focus on restoring your property to its former state.
We charge a small percentage based on the amount we recover for our policyholders at Excel Adjusters. If no recovery is made, we charge nothing. We also offer free consultations to help you navigate the claims process.
If your commercial property in Pasadena has been stolen from, we can help you with the theft claim process.
The State Department of Insurance ensures that you are entitled to a fair settlement. Insurance companies are obligated to compensate you for your losses, and you are under no obligation to accept an unfair offer or endure delays in processing. Excel Adjusters is here to protect your interests as the policyholder and ensure the insurance company meets its obligations when liability is clear.
*According to the Insurance Information Institute
