Name: Excel Adjusters
Rating: 4.9

Addressing a marijuana insurance claim in Riverside can pose significant challenges for landlords. Regrettably, this scenario occurs more frequently than anticipated, as tenants often utilize rental properties for marijuana cultivation. The expenses involved can be substantial, ranging from repairing structural damage to complying with state reporting requirements and conducting THC testing.

At Excel Adjusters, our commitment is exclusively to you, the policyholder. Irrespective of the nature of vandalism or the cause of damage, our objective is to ensure you receive the maximum settlement amount owed under your homeowner insurance policy. We will guide you through the entire process, ensuring your claims are filed promptly and efficiently.

Types of Vandalism and Damage Caused By Marijuana Growers

Damage inflicted by marijuana growers on your property in Riverside can escalate to hundreds of thousands of dollars in repair costs. Regrettably, rental properties become enticing targets for tenants to cultivate marijuana due to its cost-effectiveness compared to using commercial spaces. Moreover, they find it easier to evade detection with their illicit grow operations and distribute their products beyond California. Furthermore, the intensive requirements of marijuana cultivation, such as high levels of light and water, can exacerbate significant issues. Here are some examples of vandalism and damage:

Damage Caused By Marijuana Growers In Riverside

Growers often resort to rewiring homes to optimize light exposure for their plants, resulting in punctured walls and ceilings.
The presence of large quantities of soil filled with fertilizers and chemicals can cover floors and carpets.
Equipment may be affixed to floorboards and carpets using staples.
Water infiltration through walls and floorboards can foster mold growth in concealed areas.

Window frames may be shattered, ceiling fans destroyed, and window blinds damaged due to intense heat, with items placed over windows to maintain darkness.
Cabinets, including their tracks, may be vandalized, while insulation and air filters can become saturated with toxic substances.
Plumbing systems may also be contaminated with hazardous chemicals and fertilizers.
Foul odors permeate every room, affecting surfaces throughout the property; among other damages.

At Excel Adjusters, we specialize in advocating for your insurance claim in Riverside to ensure you receive the maximum settlement you rightfully deserve.

Get help with your vandalism insurance claim.

Additional Types of Vandalism That Can Occur

Marijuana grow operations aren't the sole threat to your rental property in Riverside. Damages can also stem from:

Meth labs, which pose risks of both structural and chemical damage to your home
Spray paint or other markings on the exterior walls or interior surfaces
Deliberate damage to windows, including shattered or cracked panes
Forced entry or intentional harm to doors, such as scratches, dents, or breakage
Willful destruction of personal belongings, furniture, or other items within the property
Vandalism targeting electrical systems, plumbing, heating, or cooling systems
Damage or defacement of landscaping, gardens, or outdoor structures like sheds or gazebos
Arson or intentional setting of fires resulting in property damage
And various other forms of malicious destruction

Possible Exclusions On Your Homeowner Policy

Certain types of vandalism claims may not be covered by a homeowners insurance policy due to common exclusions. It's essential to carefully review the terms and conditions of your specific policy to discern which vandalism-related damages are included and which are excluded. Insurance policies can differ significantly between insurers, so understanding the details of your coverage is vital for making informed decisions.

Vandalism to properties left vacant for a specified period, typically 30 days or more.
Damage resulting from the gradual deterioration of the property over time.
Issues arising from lack of maintenance in the rental property.
Intentional damage caused by the policyholder or occupants of the home.
Additional exclusions detailed in the specific terms and conditions of your policy.

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

How We Can Help

Our primary focus is to ensure that the insurance company fulfills its obligation to provide appropriate payments for the damage inflicted on your rental property. We follow several essential steps to have your home inspected and evaluated for overall damage, along with providing recommendations for repairs.

From identifying items requiring replacement or cleaning and deodorizing to providing technical recommendations such as inspecting air filters and air ducts, we employ a comprehensive top-to-bottom approach. When your property is vandalized by a marijuana grow operation or other means, we collaborate with independent, reputable, experienced contractors to restore your home to its pre-damaged state. This encompasses:

Lead and Asbestos Testing

The initial step involves testing the property for lead and asbestos. If the tests confirm the presence of lead and asbestos, the property must undergo treatment in accordance with Procedure 5 outlined by E.P.A. guidelines. This entails entrusting the handling of the affected materials solely to a licensed abatement company, which will remove them from the home and conduct clearance testing before mitigation efforts commence.

THC Hygienist Testing

A THC Hygienist will assess the level of contamination inside the home and offer 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

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

During this phase, any irreparable materials will be removed from your home. The THC mitigation team will recover salvageable materials, grind contaminated materials, decontaminate and deodorize the home, and restore the property to its required state. Following the mitigation process, third-party clearance testing is necessary. Once clearance is obtained, reconstruction can commence.

Water Damage and Mold Remediation

When your rental property in Riverside is utilized for marijuana cultivation, it's highly likely that excessive amounts of water were utilized in areas where it shouldn't have been to sustain plant growth.

An independent restoration contractor is tasked with detecting and removing mold, identifying moisture and leaks, drying out excess moisture, and eliminating all signs of water damage to prevent further harm to your home.

In certain cases, an environmental contractor may be required to take a mold sample, particularly when mold is detected but no water issues are evident. Following the removal of mold, the mitigation company can proceed with grinding structural materials and decontaminating 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 ensure it meets healthy standards. This testing is usually conducted by the same environmental company responsible for lead and asbestos testing.

Estimator

Your public adjuster in Riverside will arrange for a third-party estimator to visit the site and offer an impartial assessment of the damages. This serves as a checks-and-balances mechanism to ensure fair settlement of your claim.

Fulfilling your Claim

Once your home has undergone testing for harmful chemicals and air quality, damaged items have been removed, and reconstruction work has commenced, a public adjuster will communicate with the insurance company to facilitate the fulfillment of your claim. An official report outlining recommendations, test results, and items requiring replacement is then submitted to your insurance company for review.

Get Help With Your Vandalism Claim

Why You Should Hire Excel Adjusters for Your Vandalism Insurance Claim

1. We Work For You

We exclusively represent you, the policyholder, and we do not operate on behalf of the insurance company. Our objective is to facilitate the filing of your claim promptly and to secure the maximum settlement amount that you are rightfully owed.

2. We Know State Insurance Laws

Negotiating claims can be incredibly complex due to varying laws across different states. Our team in Riverside, being local to your area, is well-versed in the specific laws of your state. This enables us to navigate the intricacies of your state's regulations and maximize the compensation you receive from your insurance claim.

3. We Handle All Communication with the Insurance Company

As your public adjuster, we are granted Power of Attorney in your claim, empowering us to manage all communication with your insurance provider on your behalf. This relieves you of the burden of direct interaction with the insurance company, as they are legally obligated to engage with us. This arrangement allows you to concentrate on moving forward with your life while we handle all the paperwork and administrative tasks, easing your stress and workload.

4. You’re Protected

We are committed to ensuring that the insurance company fulfills its obligation to make payments to you once your claim is approved. 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 to potential exploitation.

5. We Ensure There Is No Hidden Damage

It's not uncommon for damage to your home or commercial building to be invisible to the untrained eye, potentially indicating more extensive damage than initially apparent. By engaging us as your public adjuster, we leverage our expertise to enlist the appropriate inspectors who can thoroughly examine all potential damage, thereby assisting in maximizing your insurance claim.

Vandalism Claims Involving Marijuana and More - Riverside

Get help filing your vandalism claim from the experts.