Theft Claims Public Adjuster in
San Jose

(213) 561-5700
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Discovering that your property has been stolen can be a traumatic experience, leaving you feeling exposed and uneasy. As you process the incident, the pressure to act quickly might lead to overlooked details, which can hurt your insurance claim. A small mistake could result in a drastically reduced settlement.

Excel Adjusters in San Jose is here to guide you through this difficult time. We work with care and attention to every detail of your theft claim, helping to secure the full compensation you are entitled to.

What Qualifies as Theft?

Theft is the unlawful and deliberate act of taking someone else's property. It can include:

  • Taking items left outside your property, even if you have security systems in place
  • Entering your home and removing personal possessions
  • Looting and taking ownership of another person’s property

Are Theft Claims Covered Under Your Insurance Policy?

It’s essential to confirm that your insurance policy covers theft and vandalism. Reach out to your provider to ensure you fully understand the details, including any exclusions or limitations. Some policies have a maximum reimbursement for stolen items, which may not fully cover your loss. Be sure to clarify whether the policy reimburses the replacement cost or actual cash value, as this could affect the final outcome of your claim.

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Commercial property coverage illustration

If You've Experienced Theft in San Jose, Excel Adjusters Will:

  • Represent your interests and engage directly with the insurance company
  • Negotiate a reasonable and fair settlement on your behalf
  • Inspect the damage caused to your property due to theft or vandalism
  • Review your policy and its coverage details thoroughly
  • Coordinate repair and restoration services for your property
  • Ensure you are meeting the responsibilities outlined in your insurance policy
  • Evaluate and document all damage caused to your property
  • Determine the value or replacement cost of stolen items
  • Review the total loss claims and compare them to the insurer's estimates
  • Help speed up the claims process to ensure timely settlement
  • Prepare a claim for business equipment losses, if necessary
  • Gather data to support a claim for lost income, if needed
  • Organize documents to request an advance payment, if applicable
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Tips For Preventing Theft

Although it’s impossible to completely prevent theft, taking these steps can help reduce its probability:

Tips For Preventing Theft
  • Regularly maintain your property’s exterior to ensure visibility and security
  • Avoid leaving spare keys in locations where they can be easily found
  • Secure doors with deadbolts and make sure all windows and sliding doors are locked
  • Check that exterior lighting is working properly and not easily tampered with
  • Report any unusual or suspicious activities to local authorities
  • Consider setting up a security system for an added layer of protection

Be Prepared: Document Your Valuables

Being prepared for theft can increase your chances of building a strong claim. Take these actions to help:

  • Capture clear photographs of your valuables and property, both indoors and outdoors
  • Save receipts for valuable items as proof for your insurance claim
  • Keep a well-maintained and updated inventory of your possessions
  • Store essential documents in a fireproof or tamper-resistant safe
Be Prepared: Document Your Valuables

What To Do If You Are a Victim Of Theft

In the event of a break-in or vandalism at your property, follow these actions to protect your claim and ensure a higher chance of a just settlement:

  • Ensure Safety First

    Verify that your property is secure before re-entering. If you feel someone is still in the property, contact the authorities immediately.

  • File A Police Report

    File a police report to establish an official account of the theft or vandalism, which is crucial for your insurance claim.

  • Take Photos

    Photograph any damages or stolen items clearly. These images will play an important role in proving your insurance claim.

  • Prepare A List Of Stolen And Damaged Items

    After reaching out to the police and Excel Adjusters, the next step is to prepare an organized list of all stolen or damaged items to validate your claim. Include:

    • The date and place of purchase for each item
    • The cost of each item, with receipts if available
    • Visual evidence, such as photos or videos, of the stolen or damaged property
    • Documentation of ownership, such as titles or deeds, when applicable

  • Contact Excel Adjusters, a Licensed Public Adjuster in San Jose

    Dealing with an insurance claim after a theft can be a complicated and exhausting experience. Typically, insurance companies rely on independent adjusters to handle claims, but these professionals often aren't working for you. They may look for ways to undercut the reimbursement for stolen property and damages.

    By choosing a licensed public adjuster in San Jose, such as the experts at Excel Adjusters, you are ensuring that your claim is in capable hands. We are independent and work exclusively for you, helping you secure a fair settlement.

Contact A Licensed Public Adjuster

How Excel Adjusters Can Help With Your Theft Claim

At Excel Adjusters, we focus on helping you navigate the insurance claims process and securing a fair and reasonable settlement for your theft or vandalism claim. As independent public adjusters, we are here to represent you, not the insurance company. Here’s how we can support you:

Notify Your Insurance Provider

Notify Your Insurance Provider

We communicate directly with your insurance provider to ensure that all required information is submitted correctly and promptly. Although managing a theft claim is possible independently, a public adjuster ensures that your policy is thoroughly understood and your best interests are safeguarded.

Guide You Through the Entire Insurance Claims Process

From the moment you file your theft claim to the final settlement, we are by your side. We handle the necessary paperwork, assist during inspections, and ensure the insurance company adheres to their commitments.

Maximize Your Payouts

Assist at Every Stage of the Theft Claim

No matter whether you’re beginning your insurance claim or dealing with one that has been denied, Excel Adjusters in San Jose is here to help. We ensure that your claim is handled in accordance with your policy’s terms and fight to secure the full compensation you deserve.

  • If your insurance provider refuses to cover ALE (Additional Living Expenses) or Loss of Use expenses, it can put you in a difficult position. We are ready to assist in negotiating with your insurer to secure reimbursement for your living costs while you’re temporarily displaced. Handling this on your own can be overwhelming, but we’ll manage the process efficiently and professionally.

  • When property damage occurs due to theft, insurance companies may opt for cheaper repair services, which can lead to subpar restoration work. If you are unhappy with the repairs made, we will ensure that your policy’s "like-for-like" replacement clause is upheld, securing you a replacement of the same quality and value.

  • If your claim is denied, we’ll help provide the necessary evidence to your insurance company, ensuring that your theft or vandalism claim is properly processed. We handle all communication with your insurer, working diligently to secure the compensation you are entitled to.

Let us handle the complexities of your theft or vandalism claim while you focus on the restoration of your property.

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Assist with Every Stage of the Claims Process

What We Charge

Our team at Excel Adjusters works on a contingency basis, charging a small percentage of the settlement we recover. If no settlement is obtained, there are no fees or costs to pay. We also provide free consultations and expert advice to support you with your claim.

Your Rights

When theft occurs at your San Jose commercial property, Excel Adjusters is your trusted partner for handling insurance claims.

You are entitled to full compensation under state insurance laws, and insurers must provide fair settlements for covered losses. At Excel Adjusters, we ensure that the insurance company fulfills its obligations and doesn’t pressure you into accepting a lower settlement than you deserve.

Call us today to schedule a free consultation. We’ll take the time to understand your specific situation, review your theft claim in depth, and work tirelessly to secure the fair outcome you are entitled to.

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*According to the Insurance Information Institute

Vandalism Claim Or Theft Claim In Los Angeles
Excel Adjusters
Call:(213) 800-3333
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