Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

In the wake of a devastating wildfire, addressing the full extent of damage to your residential property can be an overwhelming challenge. The emotional toll, combined with damage caused by smoke, soot, ash, and water, often makes it difficult to identify both obvious and hidden issues. Navigating this process requires expertise and a clear understanding of your property’s condition.

A public adjuster plays a vital role in managing claims for smoke damage, total fire loss, or partial fire loss. These skilled professionals specialize in wildfire insurance claims, offering invaluable support to property owners and renters. Their experience ensures a comprehensive approach to assessing your situation and advocating on your behalf.

With 24 years of expertise, Excel Adjusters has successfully resolved over 2,200 property damage claims since 1997. Our team has the knowledge and dedication to handle the complexities of your wildfire insurance policy. We are committed to representing homeowners and securing settlements that are fair, accurate, and reflective of the true extent of your loss.

Wildfire Damage and Insurance Challenges

The intricate nature of wildfire behavior often results in damage that extends well beyond what is immediately visible. This can include:

Fire damage to your home or property: Whether partial or complete burns, the structural integrity of affected areas may be compromised, posing serious risks.
Effects of smoke damage: Smoke can seep into buildings, leaving behind stubborn odors, unsightly stains, and potential health concerns that are challenging to mitigate.
Water damage from wildfires: Wildfires can disrupt plumbing systems and wells, leading to water contamination and subsequent damage.
Wind-related damage: Powerful winds accompanying wildfires can topple trees, create debris impacts, and exacerbate structural vulnerabilities.

Given the extensive scope of destruction that wildland fires can cause, a thorough understanding of your insurance policy is essential. Policies vary widely in their coverage specifics, particularly regarding large-scale fire events, making it challenging to determine your eligible claims.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This coverage addresses all damage sustained by your residential property, encompassing not only the main floor but also areas beneath it. In the case of a total fire loss, the stated amount provides fair and reasonable compensation to restore or replace your home.

Coverage B: Additional Structures

Residential structures near the main dwelling are included under this coverage. It applies to outbuildings, fences, landscaping, concrete driveways, pools, pool decks, walkways, and any related features within the property.

Coverage C: Personal Belongings

This coverage protects personal possessions damaged or lost during a fire. It includes all items owned or used by your family that were within your home at the time of the incident, ensuring your residential belongings are accounted for.

Coverage D: Living Costs

When a fire renders your residential property uninhabitable, this coverage reimburses temporary living expenses. The extent of reimbursement aligns with the policy limits outlined in your insurance agreement.

How Excel Adjusters Can Help

To secure fair and reasonable compensation for wildfire damage to your residential property, hiring a public adjuster is essential. At Excel Adjusters in Altadena, our licensed professionals handle every aspect of the claims process. We serve as committed advocates for property owners, negotiating directly with insurance companies to achieve a fair and just settlement for your damages.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We work with reputable third-party hygienists and specialists to ensure your insurance claim is handled effectively. These independent experts play a vital role by collecting samples, evidence, and conducting analyses that remain free from any insurance company bias.

With their expertise, we can accurately assess the full extent of the damage to your residential property in Altadena, giving you confidence in the claims process.

Documenting Visible and Unseen Damage

Following a detailed assessment of your residential property, we meticulously document all wildfire damage to bolster your insurance claim. Leveraging the expertise of specialized professionals, we uncover and record damage that may be hidden or overlooked by your insurance company.

Claims Strategy Development

Our team conducts an in-depth review of your residential insurance policies to craft a tailored claims strategy. This personalized approach ensures that wildfire risks and damages are addressed, helping you secure fair and reasonable compensation aligned with your policy.

Providing Full Proof of Loss

By combining comprehensive documentation of evidence with a thorough understanding of your policy, we prepare a complete proof of loss to present to your insurance company.

Managing Complex Communications

We handle all correspondence with your insurance provider, streamlining the process and reducing your stress. Throughout the fire insurance claim journey, we provide regular updates and clear guidance.

Negotiation for Fair and Reasonable Settlement

With a deep understanding of insurance policies and claims, we negotiate assertively to achieve fair settlements. Our goal is to represent your residential property’s interests and secure an optimal outcome for your wildfire damage.

Our Step-By-Step Process

Identifying Safety Risks
Understanding Your Insurance Claim
Evaluating & Assessing Damages
Creating a Recovery Plan
Negotiating Your Insurance Claim On Your Behalf
Settling & Helping You Get Fair and Reasonable Benefit Amount

Wildfire Insurance Claims FAQ

What is the first step when filing my wildfire insurance claim?

Start your wildfire insurance claim process by contacting a public adjuster and an independent hygienist to inspect and document the damage to your residential property. This documentation is essential evidence for your claim. Acting quickly ensures that all damage is recorded promptly and accurately.

Does insurance cover power surge damage?

Homeowners’ insurance may cover power surge damage if you can provide evidence that the wildfire directly caused it.

How do insurance companies deal with wildfire claims?

Insurance companies approach wildfire claims differently depending on your policy. Generally, they will inspect your property and assess the damage before approving any repairs, rebuilding, or smoke damage remediation.

What is the difference between a fire claims public adjuster and an insurance adjuster?

A fire claims public adjuster works for you, ensuring your interests are represented. In contrast, an insurance adjuster is provided by your insurance company and may prioritize their goals over yours.

What is the cost of a public adjuster in Altadena?

Public adjusters typically charge a percentage of your final settlement, giving them an incentive to achieve the best results for you.

If you’re dealing with a challenging homeowner property claim, we are here to provide the support you need!

*According to the Insurance Information Institute

Public Claims Adjusters for Residential Wildfire Claims in Altadena