The impact of theft goes beyond material loss, often leaving property owners grappling with stress and uncertainty. In the aftermath, the rush to take action can lead to errors in the claims process, potentially undermining your settlement.
With Excel Adjusters in Redondo Beach, you don’t have to face this alone. We specialize in managing theft claims, ensuring each detail is handled with the utmost care so you can achieve a fair resolution and focus on moving forward.
Theft is the act of unlawfully and intentionally taking possession of someone else’s property. This criminal behavior can manifest in various ways, including:
Make sure your insurance policy includes coverage for theft and vandalism by consulting with your provider. It’s important to clarify any limitations or exclusions, such as reimbursement caps on stolen items, which could leave you underinsured. Additionally, find out if your policy provides compensation based on actual cash value or replacement cost, as this distinction can greatly impact the outcome of your claim.
Theft may not be completely avoidable, but the following steps can lower the chances:
Planning ahead for theft can provide a stronger foundation for your claim. Actions to take include:
Should your property be burglarized or vandalized, consider these steps to strengthen your claim and improve the likelihood of a just settlement:
Confirm that your property is safe before going inside. If there’s a chance someone is still there, contact law enforcement immediately.
An official police report is vital. It creates a documented account of the incident, which is essential for filing theft or vandalism claims with your insurer.
Snap pictures of any damage or stolen items. These visuals will be invaluable in supporting your insurance claim.
Once you’ve contacted both the police and Excel Adjusters, create a detailed list of stolen and damaged items to demonstrate ownership and value. Include:
The process of filing an insurance claim after a theft can be overwhelming. Insurance companies assign independent adjusters to review claims, but these adjusters do not advocate for you. Instead, they often seek ways to reduce or deny your rightful reimbursement for theft or damages.
With a licensed public adjuster in Redondo Beach from Excel Adjusters on your side, the process becomes much easier. We operate independently and are committed to working solely for you, making sure your claim is resolved fairly and equitably.
Excel Adjusters is focused on helping you navigate the insurance claims process and ensuring you get a fair and reasonable settlement for your theft or vandalism insurance claim. As independent public adjusters, we are on your team—not the insurance company's. Here's how we can support you:
We communicate directly with your insurance provider, ensuring that all necessary documentation is submitted accurately and quickly. While it’s possible to handle a theft claim alone, having a public adjuster ensures that the complexities of the insurance policy are understood and your interests are prioritized.
We assist you from the initial theft claim filing all the way through to the settlement negotiation. We handle the paperwork, participate in inspections with field agents, and make sure the insurance company honors their commitments.
If you're just beginning your insurance claim or dealing with a claim denial, Excel Adjusters in Redondo Beach is here to assist you. We ensure your claim is processed in accordance with your policy’s terms, striving for the full amount of coverage you deserve.
If your insurance company refuses to cover ALE (Additional Living Expenses) or Loss of Use expenses, it’s essential to have someone advocating for you. We can negotiate directly with your insurance provider to ensure you’re reimbursed for the living costs you’ve incurred while staying in a temporary residence. Our team has extensive experience handling these types of claims and can guide you through the process to ensure a fair outcome.
When property damage occurs during a theft, insurance companies may try to reduce their costs by opting for cheap repair services. This often leads to poor-quality repairs and unprofessional damage restoration. If you’re unsatisfied with the work done, we can help you negotiate for the "like-for-like" replacement standard in your policy, ensuring that your stolen or damaged items are replaced with comparable quality and value, as outlined in your insurance agreement.
If your insurance claim has been denied, don’t worry—we’re here to help. We will gather the necessary evidence and present it to your insurance provider to make sure your theft or vandalism claim is covered. With our expertise, we’ll ensure your claim is handled correctly and that you receive the compensation you are entitled to under your policy.
You focus on the restoration of your property, and we’ll take care of the complexities involved in your theft or vandalism claim, advocating for you every step of the way.
Excel Adjusters operates on a success-based fee structure, charging a small percentage of what we recover for our clients. If there is no recovery, there are no costs or fees. We also offer free consultations to discuss and guide you through your claim.
If your commercial property in Redondo Beach has been impacted by theft, we’re here to assist you with your claim.
The State Department of Insurance mandates that you receive a fair adjustment for your claim. Insurance companies are required to compensate you for your losses, and you’re under no obligation to accept any low-ball offers or experience delays in your claim process. Excel Adjusters is committed to protecting your interests and ensuring that the insurance company meets its responsibility to pay fairly when liability is clear.
*According to the Insurance Information Institute
