Name: Excel Adjusters
Rating: 4.9

Managing a marijuana insurance claim in Apple Valley can pose a significant challenge for landlords. Sadly, this scenario is more widespread than commonly realized – tenants frequently utilize rental properties for marijuana cultivation. From repairing the current property structure to reporting damage to state authorities and arranging THC testing, the financial repercussions can be substantial.

At Excel Adjusters, we are committed to representing your interests as the policyholder. Regardless of the type of vandalism or the cause of damage, our primary aim is to secure the maximum settlement amount owed to you under your homeowner insurance policy. We will support you throughout the entire process and ensure that your claims are efficiently processed.

Types of Vandalism and Damage Caused By Marijuana Growers

The damage caused by cultivators on your property in Apple Valley can result in repairs worth hundreds of thousands of dollars. Unfortunately, rental properties are enticing targets for tenants to grow marijuana because it's cheaper than using commercial buildings. Additionally, it's easier for them to operate covertly and sell outside California. Furthermore, marijuana plants require high levels of light and water, both of which can lead to significant issues. Examples of vandalism and damage include:

Growers alter homes to optimize light for plants, puncturing walls and ceilings.
Soil, laden with fertilizers and chemicals, blankets, floors and carpets.
Equipment is anchored to floorboards and carpeting.
Water infiltrates, fostering mold in hidden areas.
Window frames shattered, ceiling fans destroyed, blinds scorched by heat, and windows obscured.

Cabinets vandalized, including tracks.
Insulation and air filters contaminated
Plumbing tainted with hazardous substances.
Foul odors saturate every room, every surface tainted.
And myriad other damages ensue.

At Excel Adjusters, we're committed to assisting you in securing the maximum settlement owed to you for your insurance claim in Apple Valley.

Get help with your vandalism insurance claim.

Additional Types of Vandalism That Can Occur

Marijuana cultivation operations aren't the only hazard to your rental property in Apple Valley. Damage can also be caused by:

Meth labs, resulting in structural and chemical damage to your residence
Graffiti or other markings on exterior walls or interior surfaces
Intentional damage to windows, including shattered or cracked panes
Forced entry or deliberate harm to doors, such as scratches, dents, or breakage
Purposeful destruction of personal belongings, furniture, or property within the premises
Vandalism affecting electrical systems, plumbing, heating, or cooling systems maliciously
Ruination or defacement of landscaping, gardens, or outdoor structures like sheds or gazebos
Arson or the deliberate setting of fires causing harm to the home or property
And more.

Possible Exclusions On Your Homeowner Policy

Certain types of vandalism claims might be excluded from a homeowners insurance policy. Here are some common exclusions. It's essential to examine the specific terms and conditions of your policy to understand what vandalism-related damages are covered and which are excluded. Policies can vary significantly between insurers.

Vandalism to properties that have been vacant for a specified period, typically 30 or more consecutive days
Damage resulting from the gradual deterioration of the property over time
Lack of maintenance resulting in issues with the rental property
Damage intentionally caused by the policyholder or residents of the home
And more.

Our team in Apple Valley is available to help you grasp what is and isn't covered under your current homeowner policy.

How We Can Help

Our primary aim is to ensure the insurance company meets its obligation to adequately compensate for the damage done to your rental property. We follow several essential steps to have your home inspected and evaluated for overall damage, along with any repair recommendations.

From identifying items requiring replacement or cleaning and deodorization to providing technical suggestions such as inspecting air filters and ducts, we adopt a thorough top-to-bottom approach, starting from the attic down. When your property suffers vandalism from a marijuana grow operation or other sources, we enlist independent, reputable, and experienced contractors to restore your home to its pre-damaged condition. This includes:

Lead and Asbestos Testing

The first step involves testing the property for lead and asbestos. If a home tests positive for lead and asbestos, it must be treated under Procedure 5, adhering to E.P.A. guidelines. This necessitates the exclusive involvement of a licensed abatement company to handle the affected materials, removing them from the home and conducting clearance testing before mitigation can proceed.

THC Hygienist Testing

A THC Hygienist will evaluate the contamination levels within the home and offer a thorough outline specifying the required scope of work for mitigation. This serves as a blueprint for the subsequent steps in restoring your property.

THC Mitigation

Based on the assessment report from the THC Hygienist, we will enlist an independent THC mitigation firm to revert your home to its state prior to its use as a marijuana cultivation site.

Throughout this phase, any irreparable materials will be extracted from your residence. The THC mitigation team will salvage any viable materials, undertake material grinding, decontaminate and deodorize the premises, and restore the property to your specifications. Following mitigation, third-party clearance testing is imperative. Upon obtaining clearance, reconstruction efforts can commence.

Water Damage and Mold Remediation

When your rental property in Apple Valley becomes a site for marijuana cultivation, it's highly probable that excessive water was utilized in inappropriate areas to sustain plant growth.

An independent restoration contractor is responsible for identifying and eradicating mold, pinpointing sources of moisture and leaks, drying out any excess moisture, and eliminating all signs of water damage to prevent further deterioration of your property.

In some instances, an environmental contractor may be required to take a mold sample. This step is taken when mold is present but there are no evident water-related issues. Following mold removal, the mitigation company can proceed with structural material grinding and air purification.

Clearance Testing for Air Quality

After the mold is assessed and removed, the air quality in the home must be tested to ensure the air is a healthy grade. This is typically done by the same environmental company that conducts the lead and asbestos testing.

Estimator

Your public adjuster in Apple Valley will send a third-party estimator to the site to provide an unbiased viewpoint on the damages. This serves as a checks and balances for settling your claim.

Fulfilling your Claim

Upon completion of assessments for harmful substances and air quality within your dwelling, alongside the removal of damaged belongings and initiation of restoration efforts, a public adjuster liaises with the insurance provider to ensure claim satisfaction. Subsequently, an official dossier detailing recommendations, test findings, and necessary replacements is forwarded to your insurer.

Get Help With Your Vandalism Claim

Why You Should Hire Excel Adjusters for Your Vandalism Insurance Claim

1. We Work For You

We are dedicated solely to serving your interests as the policyholder, operating independently from the insurance company. Our mission is to guide you through the claims procedure efficiently and to secure the maximum entitled settlement for you.

2. We Know State Insurance Laws

Understanding claim negotiation laws can be complex, particularly due to the discrepancies across states. Our team in Apple Valley is well-versed in the laws specific to your area, enabling us to maximize your insurance claim and secure the highest possible compensation for you.

3. We Handle All Communication with the Insurance Company

In our role as your public adjuster, we hold Power of Attorney in your claim, empowering us to handle all interactions with your insurance provider on your behalf. This means you can rest assured knowing that your insurer is legally required to engage with us, relieving you of the burden of communication. With this responsibility, you can focus on moving forward with your life while we manage all the necessary paperwork and administrative tasks for you.

4. You’re Protected

We are committed to upholding the insurance company's responsibility to compensate you promptly upon the approval of your claim. Additionally, we strive to safeguard you from any potential mistreatment or exploitation throughout the claims process, acknowledging your unfamiliarity with the intricacies of the field.

5. We Ensure There Is No Hidden Damage

It's not uncommon for damage to your home or commercial property to remain undetected by untrained individuals. This hidden damage may lead to more significant issues than initially presumed. By appointing us as your public adjuster, we have the knowledge to enlist specialized inspectors capable of meticulously examining all potential damage, ultimately maximizing your insurance claim.

Vandalism Claims Involving Marijuana and More - Apple Valley

Get help filing your vandalism claim from the experts.