Theft Claims Public Adjuster in
Santa Monica

(213) 561-5700
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Theft can be a devastating experience for any property owner, leaving a wave of emotions like shock, confusion, and stress. This sudden disruption often leads to hasty decisions, causing you to overlook critical steps in the claims process. Such oversights could jeopardize your chance of securing the rightful settlement you need to recover.

At Excel Adjusters in Santa Monica, we understand the challenges theft brings and are here to help. We provide professional guidance throughout the claims process, ensuring every aspect is managed meticulously so you receive the compensation you deserve.

What Qualifies as Theft?

Theft occurs when someone knowingly and deliberately takes possession of property that does not belong to them. This criminal act can take various forms, including:

  • Taking items from outside your property, even if they were unsecured
  • Removing possessions from within your home or business
  • Seizing property belonging to someone else during looting events

Are Theft Claims Covered Under Your Insurance Policy?

Verifying whether your insurance policy includes theft and vandalism coverage is essential. Contact your provider to understand what is covered, along with any potential exclusions or limitations. For instance, some policies may cap reimbursements for stolen items, which might not cover their full value. Additionally, confirm whether your policy reimburses the actual cash value or replacement cost of stolen items, as this distinction can significantly influence the resolution of your insurance claim.

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Commercial property coverage illustration

If You've Experienced Theft in Santa Monica, Excel Adjusters Will:

  • Advocate for you in dealings with your insurance company
  • Negotiate a reasonable and just settlement for your claim
  • Inspect your property for damage caused by theft or vandalism
  • Analyze the scope of your insurance coverage
  • Help arrange necessary repairs and restoration services
  • Ensure compliance with your policyholder obligations
  • Investigate and document the full extent of the damage
  • Calculate the value of your items or the cost to replace them
  • Cross-check total loss claims against insurance company estimates
  • Streamline the claims process for faster resolution
  • File a claim for business equipment, if necessary
  • Collect information to back a claim for lost income, if required
  • Prepare documents to request an advance payment, if eligible
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Tips For Preventing Theft

While you can't completely eliminate the risk of theft, you can take several precautions to minimize the chances:

Tips For Preventing Theft
  • Keep the exterior of your property well-maintained and secure to ensure visibility
  • Refrain from hiding spare keys in obvious places
  • Use deadbolts on doors and secure windows and sliding doors
  • Ensure all outdoor lighting is functioning and resistant to tampering
  • Report suspicious activity in your area to local authorities promptly
  • Invest in a security system for enhanced protection

Be Prepared: Document Your Valuables

Being ready for the worst-case scenario can help you strengthen your case in the event of theft. Proactive measures to consider include:

  • Photographing your property and valuables, both inside and outside
  • Saving receipts for high-value items to support potential claims
  • Keeping a current inventory of all your belongings
  • Securing essential documents in a tamper-resistant or fireproof safe
Be Prepared: Document Your Valuables

What To Do If You Are a Victim Of Theft

If your property has suffered burglary or vandalism, take these steps to safeguard your claim and improve your chances of securing a fair settlement:

  • Ensure Safety First

    Before you go back into your property, make sure it is safe. If you think someone might still be inside, contact the police right away.

  • File A Police Report

    Submitting an official police report is essential. It provides a formal record of the incident, which is crucial for theft or vandalism insurance claims.

  • Take Photos

    Capture images of any damage or missing belongings. These photos will serve as critical evidence when you file your insurance claim.

  • Prepare A List Of Stolen And Damaged Items

    Once you’ve reached out to the police and Excel Adjusters, it’s critical to compile a comprehensive list of stolen and damaged items. This list will help prove ownership and establish the value. Include:

    • Purchase dates and where the items were bought
    • Costs associated with the items, including receipts, if available
    • Photographs or videos depicting the stolen or damaged property
    • Ownership documentation, such as titles, where applicable

  • Contact Excel Adjusters, a Licensed Public Adjuster in Santa Monica

    Navigating the insurance claim process after a theft can be overwhelming. Insurance companies rely on their adjusters (commonly referred to as independent adjusters) to evaluate claims, but these adjusters do not have your best interests at heart. They may even search for reasons to deny or minimize reimbursement for your theft or damages.

    By hiring a licensed public adjuster in Santa Monica like our team at Excel Adjusters, you can level the playing field. We are completely independent, working only for you, not the insurance company, to help secure a fair and reasonable settlement.

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How Excel Adjusters Can Help With Your Theft Claim

Excel Adjusters is here to support you in navigating the insurance claims process and securing a fair and reasonable settlement for your theft or vandalism insurance claim. As independent public adjusters, we work solely for your benefit—not the insurance company. Here's how we can help:

Notify Your Insurance Provider

Notify Your Insurance Provider

We act as the liaison between you and your insurance provider, ensuring that all required information is submitted accurately and on time. While you can handle a theft claim independently, having a public adjuster by your side ensures that the complexities of your insurance policy are addressed, and your interests are fully protected.

Guide You Through the Entire Insurance Claims Process

We are with you every step of the way, from filing your initial theft claim to negotiating your settlement. We handle the paperwork, attend inspections alongside field agents, and ensure the insurance company fulfills their obligations.

Maximize Your Payouts

Assist at Every Stage of the Theft Claim

Whether you're beginning the insurance claim process or facing a denied claim, Excel Adjusters in Santa Monica is here to assist you. We ensure that your claim is processed according to your policy’s terms, advocating for the full coverage you're entitled to receive.

  • If your insurance company refuses to cover ALE (Additional Living Expenses) or Loss of Use expenses, it can be a frustrating situation. We can assist in negotiating on your behalf to help you get reimbursed for the living costs you’ve incurred while staying in a temporary home. Navigating this process on your own can be overwhelming, but with our expertise, we’ll ensure you’re not left carrying the financial burden.

  • When property damage occurs due to theft, insurance companies may attempt to minimize their repair costs by opting for low-quality repair services. Unfortunately, this often results in poorly executed repairs and unprofessional damage restoration. If you’re not satisfied with the quality of the repairs, we’ll step in to represent you, ensuring that your policy’s "like-for-like" replacement standard is enforced. This ensures that any stolen or damaged items are replaced with items of equal value and quality, as outlined in your policy.

  • If your insurance claim is denied, we won’t leave you to fight alone. We will gather and present compelling evidence to your insurance company, ensuring that your theft or vandalism claim is properly covered under the terms of your policy. We’ll advocate on your behalf to secure the fair compensation you deserve, giving you peace of mind during this difficult time.

Allow us to represent you and manage the intricacies of your theft or vandalism claim, so you can concentrate on getting your property back in order.

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Assist with Every Stage of the Claims Process

What We Charge

At Excel Adjusters, we only charge a small percentage of the amount we successfully recover for our policyholders. If no recovery is made, we don’t charge any fees or expenses. We also provide free consultations and expert advice to guide you through your claim.

Your Rights

If your commercial property in Santa Monica has been impacted by theft and you need to file a claim, we’re here to assist you.

The State Department of Insurance regulates your right to a fair adjustment when filing a claim. The insurance company is legally obligated to compensate you for your losses. You are not required to accept an unfair offer or endure unnecessary delays in processing your claim. At Excel Adjusters, we work to protect you, the policyholder, and ensure the insurance company fulfills their duty to make proper payments when liability is clear.

For a free consultation, contact us and receive the personalized attention your case deserves. We’ll discuss the specifics of your theft claim and guide you through the process.

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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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