Coping with a marijuana insurance claim in Moreno Valley can become a major headache for landlords. Regrettably, this scenario occurs more frequently than one might assume, as tenants commonly utilize rental properties for growing cannabis. The expenses, from repairing structural damage to fulfilling state reporting obligations and organizing THC testing, can be staggering.

At Excel Adjusters, our commitment is to you, the policyholder. Regardless of the type of vandalism or the cause of damage, our aim is to assist you in securing the maximum settlement amount owed to you under your homeowner insurance policy. We’ll guide you through every step of the process and ensure your claims are promptly filed.

Types of Vandalism and Damage Caused By Marijuana Growers

The damage caused by marijuana growers on your property in Moreno Valley can lead to repair costs reaching hundreds of thousands of dollars. Sadly, rental properties are attractive to tenants for marijuana cultivation due to its affordability compared to using commercial buildings. Additionally, it's simpler for them to operate their illicit grow operations discreetly and sell their produce outside of California. Furthermore, marijuana plants need high levels of light and water, both of which can result in significant problems. Examples of vandalism and damage include:

Damage Caused By Marijuana Growers
  • Rewiring homes is a common practice among growers to achieve maximum light for the plants, often leading to holes being made in walls and ceilings.
  • A significant quantity of soil filled with fertilizers and chemicals is often left covering the floor and carpet.
  • The equipment is securely fastened to the floorboards and carpet.
  • Moisture seeps through the walls and floorboards, leading to mold growth in hidden areas.
  • Cabinets, along with their tracks, have been maliciously damaged.
  • Window frames are shattered, ceiling fans destroyed, window blinds warped by intense heat, with makeshift coverings to block out light.
  • Insulation and air filters are contaminated with harmful chemicals.
  • Plumbing systems have been sabotaged, with hazardous substances and fertilizers introduced.
  • Unpleasant odors pervade every room, affecting all surfaces.
  • And various other issues persist.

At Excel Adjusters, we specialize in advocating for your insurance claim in Moreno Valley, ensuring you receive the maximum settlement you deserve.

Receive assistance with your vandalism insurance claim today.

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Additional Types of Vandalism That Can Occur

Marijuana grow operations aren't the only risk to your rental property in Moreno Valley. Damages can also occur due to:

  • Meth labs, capable of causing structural and chemical harm to your home.
  • Vandalism such as spray paint or other markings on exterior and interior walls.
  • Intentional damage to windows, resulting in shattered or cracked panes.
  • Forced entry or deliberate harm to doors, including scratches, dents, or breakage.
  • Deliberate destruction of personal belongings, furniture, or other property within the home.
  • Vandalism targeting electrical systems, plumbing, heating, or cooling systems in a malicious manner.
  • Destruction or defacement of landscaping, gardens, or outdoor structures like sheds or gazebos.
  • Arson or the deliberate setting of fires causing damage to the home or property.
  • And various other forms of vandalism.
Possible Exclusions On Your Homeowner Policy

Possible Exclusions On Your Homeowner Policy

Certain types of vandalism claims may be excluded from a homeowners insurance policy. Below are some common exclusions. It's crucial to review 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, usually 30 or more consecutive days.
  • Damage resulting from the gradual deterioration of the property over time.
  • Issues with the rental property due to lack of maintenance.
  • Damage intentionally caused by the policyholder or residents of the home.
  • And additional exclusions may apply.

Our team in Moreno Valley is here to assist you in comprehending what is and isn't covered on your current homeowner policy.

How We Can Help

Our top priority is ensuring that the insurance company fulfills its obligation to make appropriate payments for the damage inflicted on your rental property. We follow several crucial steps to have your home inspected and evaluated for overall damage, along with any repair recommendations.

We cover everything from identifying items needing replacement or cleaning and deodorizing to providing technical recommendations like inspecting air filters and air ducts, all part of our thorough top-to-bottom approach. In cases of vandalism from marijuana grow operations or other sources, we engage independent, reputable, and experienced contractors to return your home to its pre-damage state. This involves:

How We Can Help
Lead and Asbestos Testing

Lead and Asbestos Testing

The initial step is to conduct testing on the property for lead and asbestos. If a home tests positive for lead and asbestos, it must undergo treatment under Procedure 5 in compliance with EPA guidelines. This entails entrusting the handling of affected materials solely to a licensed abatement company, which will remove them from the home and conduct clearance testing before mitigation can commence.

THC Hygienist Testing

THC Hygienist Testing

A THC Hygienist will assess the level of contamination inside the home and furnish a comprehensive outline detailing the necessary scope of work for mitigation. This serves as a roadmap for the subsequent steps in restoring your property.

THC Mitigation

THC Mitigation

Upon receiving the inspection report from the THC Hygienist, we will enlist the services of an independent THC mitigation company to restore your home to its pre-marijuana grow house condition.

In this phase, any irreparable materials will be extracted from your home. The THC mitigation team will salvage recoverable materials, grind materials, decontaminate and deodorize the home, and restore the property to your specifications. Following mitigation, third-party clearance testing is necessary. Upon clearance, reconstruction can commence.

Water Damage and Mold Remediation

When your rental property becomes a site for marijuana cultivation, it's highly likely that excessive amounts of water were used in unauthorized areas to sustain the growth of the plants.

A freelance restoration specialist identifies and eliminates mold, identifies areas of moisture and leaks, dehydrates excessive moisture, and eradicates all signs of water damage to safeguard your home from further harm.

Occasionally, an environmental contractor is necessary to collect a mold sample when mold is present but no water-related problems are detected. Following mold removal, the mitigation company can proceed with grinding structural materials and purifying the air.

Clearance Testing for Air Quality

Following the assessment and removal of mold, it's essential to test the air quality in the home to confirm it meets healthy standards. This task is usually carried out by the same environmental company responsible for lead and asbestos testing.

Estimator

Your public adjuster in Moreno Valley will arrange for a third-party estimator to visit the site and offer an impartial assessment of the damages. This ensures a fair and balanced approach to settling your claim.

Fulfilling your Claim

Once your home has undergone testing for hazardous chemicals and air quality, followed by the removal of damaged items and the commencement of reconstruction work, a public adjuster will engage with the insurance company to ensure your claim is processed. An official report detailing recommendations, test results, and items requiring replacement is then submitted to your insurance provider.

Get Help With Your Vandalism Claim

Why You Should Hire Excel Adjusters for Your Vandalism Insurance Claim

1. We Work For You

Our sole commitment is to represent you, the policyholder; we do not have any affiliation with the insurance company. Our objective is to aid in promptly filing your claim and securing the maximum settlement amount you are entitled to receive.

2. We Know State Insurance Laws

Negotiating claims laws can be intricate, particularly due to the variation in laws across states. Our team in Moreno Valley operates locally, ensuring familiarity with the laws specific to your state. This expertise enables us to maximize your insurance claim payout effectively.

3. We Handle All Communication with the Insurance Company

As your public adjuster, we are granted Power of Attorney in your claim, allowing us to manage all communication with your insurance provider on your behalf. This relieves you of the burden of dealing with your insurance company directly, as they are obligated by law to liaise with us. This arrangement frees you to focus on moving forward with your life while we take care of all the paperwork and administrative tasks for you.

4. You’re Protected

We stand firm on the insurance company's responsibility to disburse payments to you upon approval of your claim. Additionally, we safeguard you from being exploited during the claims process, recognizing that your lack of experience and expertise in the field could leave you vulnerable.


5. We Ensure There Is No Hidden Damage

It's often the case that damage to your home or commercial building remains unseen by the untrained eye, potentially indicating more extensive damage than initially anticipated. By enlisting our services as your public adjuster, we possess the expertise to identify and engage the appropriate inspectors to thoroughly assess all potential damage, thereby optimizing your insurance claim.

How Hiring a Public Adjuster Works

When you reach out to us for help with your vandalism claim, here's what we'll do:

  • Negotiate a fair, final, and reasonable settlement on behalf of the policyholder.
  • Conduct a thorough assessment of building damage.
  • Recommend licensed and impartial vendors for necessary work.
  • Review insurance policy coverages and the water damage restoration process.
  • Ensure clients understand their compliance responsibilities.
  • Investigate and measure the extent of the loss.
  • Evaluate replacement costs and depreciation where applicable.
  • Assist in compiling business equipment claims.
  • Gather necessary documentation for loss of income claims.
  • Prepare paperwork for advance payment requests.
  • Assess and address any microbial contamination (mold) concerns.
  • Scrutinize total loss claims and review insurance estimates meticulously.

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Get Help From The Experts With Your Vandalism Claim

Excel Adjusters prioritizes your needs above all else. With a focus on residential and commercial property loss due to vandalism, water damage, fire, wildfires, earthquakes, floods, and theft, we've built a reputation for excellence. Having managed over 2,000 claims, our experienced team is dedicated to accurately assessing and documenting the extent of your losses. We understand the complexities of insurance claims, which is why our experts guide you through every step of the process. Whether you speak English, Korean, Chinese, or Vietnamese, we ensure clear communication and effective representation.

In handling vandalism claims, we prioritize transparency and impartiality. That's why we collaborate with independent, seasoned third parties for all aspects of testing, mitigation, and remediation. For THC Mitigation and Water and Mold Remediation, we partner with Restoration Unlimited, a reputable, independent contractor known for their reliability and expertise.

Handling a marijuana insurance claim or any vandalism claim on your own can be daunting. Let us simplify the process for you by guiding you through negotiations with your insurance company. With our expertise, you can swiftly address property damages and resume normal operations.

Contact Us Today

Excel Adjusters
Call:(213) 800-3333
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