Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Facing the destruction of a wildfire can be one of the most challenging experiences for residential property owners. Damage from smoke, soot, ash, and water often complicates the process of assessing the full extent of your losses. Hidden issues further add to the difficulty of filing an effective insurance claim.

Public adjusters provide much-needed expertise in managing wildfire insurance claims. They specialize in evaluating smoke damage, partial fire loss, and total fire loss, ensuring that property owners and renters receive comprehensive support. Their role is to help you navigate the complexities of the claims process.

Since 1997, Excel Adjusters has successfully settled more than 2,200 property damage claims. With 24 years of experience, we are well-equipped to handle wildfire insurance claims and secure fair settlements. Our dedication to homeowners ensures that your property’s damage is accurately assessed and properly compensated.

Wildfire Damage and Insurance Challenges

The aftermath of a wildfire often reveals layers of damage that extend beyond what is visible, such as:

Fire damage to your home or property: Even partial burns can jeopardize the stability and safety of your home.
Effects of smoke damage: Smoke can permeate buildings, leaving odors, discoloration, and potential health issues that linger.
Water damage from wildfires: Fires frequently damage plumbing systems, leading to contamination and water-related destruction.
Wind-related damage: High winds accompanying wildfires can cause fallen trees, debris impacts, and structural damage.

Understanding your insurance policy is crucial to addressing the destruction caused by wildfires. The details of large fire coverage can be complicated, making it challenging to identify your eligible claims.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This policy provision protects your residential home, covering fire-related damage to all structural areas, including those beneath the main floor. It ensures fair compensation for total or partial fire loss.

Coverage B: Additional Structures

Structures adjacent to your residential home, such as fencing, pools, and outbuildings, are protected under this coverage. Landscaping, driveways, and walkways are also included.

Coverage C: Personal Belongings

Personal items located inside your residential property at the time of the fire are safeguarded. This includes possessions owned or used by your family that were damaged or lost.

Coverage D: Living Costs

If your residential home becomes uninhabitable, this coverage provides reimbursement for temporary living arrangements. Reimbursement amounts are determined by the limits in your policy.

How Excel Adjusters Can Help

When wildfire damage affects your residential property, obtaining fair compensation can be challenging without a public adjuster. Excel Adjusters in Bel Air offers licensed experts to manage the claims process on your behalf. As your advocates, we negotiate firmly with insurance providers to secure equitable settlements for your losses.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We collaborate with trusted third-party hygienists and specialists to provide essential support for your insurance claim. These experts ensure impartiality by collecting samples and evidence that are uninfluenced by insurance companies.

Their detailed findings enable us to comprehensively assess the damage to your Bel Air property and strengthen your claim.

Documenting Visible and Unseen Damage

Our assessment of your residential property is thorough, ensuring all wildfire damage is recorded. We collaborate with experts to uncover hidden damage that your insurer might overlook, strengthening your claim.

Claims Strategy Development

We review your residential insurance policy in detail to develop a focused claims strategy. This ensures all wildfire-related damages are properly addressed to maximize your settlement.

Providing Full Proof of Loss

Comprehensive evidence and policy expertise enable us to prepare an accurate proof of loss to present to your insurance company.

Managing Complex Communications

We handle all interactions with your insurer, streamlining the claims process for you. You’ll receive consistent updates and guidance as we work to resolve your case.

Negotiation for Fair and Reasonable Settlement

By leveraging our expertise, we negotiate effectively to secure a settlement that reflects the true extent of wildfire damage to your residential property.

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?

The first step involves hiring a public adjuster and hygienist to inspect and document damages to your residential property. Comprehensive and timely documentation is vital for a strong insurance claim.

Does insurance cover power surge damage?

If the power surge can be attributed to the wildfire, your homeowners’ insurance may cover the damage, provided sufficient evidence is presented.

How do insurance companies deal with wildfire claims?

Insurance companies typically conduct property inspections to assess the extent of damage before determining repair or rebuilding coverage.

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

While public adjusters represent you and your claim, insurance adjusters are hired by insurers and may prioritize their employer’s interests.

What is the cost of a public adjuster in Bel Air?

Public adjusters usually charge a percentage of the final settlement, incentivizing them to secure the highest possible compensation.

If navigating your homeowner property claim feels challenging, we’re here to help make it easier for you!

*According to the Insurance Information Institute

Public Claims Adjusters for Residential Wildfire Claims in Bel Air