Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a wildfire, the task of evaluating the damage to your residential property can be overwhelming. The combined effects of smoke, soot, ash, and water create layers of destruction that are often difficult to identify. Hidden damages add complexity, making the insurance claims process daunting.

A public adjuster is a vital resource for homeowners dealing with wildfire damage. These experts specialize in claims for smoke damage, partial fire loss, and total fire loss, ensuring that all aspects of your property’s damage are properly addressed. Their experience helps you navigate the process with confidence.

With 24 years of experience and over 2,200 property damage claims successfully resolved, Excel Adjusters is here to help. Since 1997, we’ve been dedicated to representing homeowners in wildfire claims, advocating for fair settlements. Trust us to handle the complexities of your claim with care and expertise.

Wildfire Damage and Insurance Challenges

The complex nature of wildfire destruction often results in damages that go unnoticed, including:

Fire damage to your home or property: Both partial and total burns can weaken structures and create safety hazards.
Effects of smoke damage: Smoke infiltration leaves persistent odors, visible stains, and potential health risks that require careful attention.
Water damage from wildfires: Damaged plumbing and wells frequently lead to contamination and water-related destruction.
Wind-related damage: Wildfire winds can topple trees, hurl debris, and exacerbate existing structural vulnerabilities.

After such extensive damage, understanding the specifics of your insurance policy is critical. Policies often include unique terms for large fires, making it difficult to determine the scope of coverage for your claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

Your residential property’s structural integrity, including areas below the main floor, is covered under this provision. It ensures equitable compensation in the case of a complete or partial loss due to fire.

Coverage B: Additional Structures

This coverage applies to additional features of your residential property, including fencing, landscaping, pools, and other external structures like sheds. Concrete paths, walkways, and driveways are also included.

Coverage C: Personal Belongings

Personal belongings within your residential dwelling are covered against fire damage. This provision protects items owned or used by family members that were present inside the home during the fire.

Coverage D: Living Costs

When your residential home is uninhabitable due to fire, this coverage reimburses the cost of temporary housing. The reimbursement amount aligns with the limits stated in your insurance policy.

How Excel Adjusters Can Help

Fair and reasonable compensation for wildfire damage to residential properties requires professional guidance from a public adjuster. At Excel Adjusters in Beverly Hills, our licensed team manages every detail of the claims process. We serve as trusted advocates, negotiating with insurance companies to secure settlements that address your damages fully.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our network of third-party hygienists and specialists ensures objectivity in the insurance claim process. These independent professionals collect evidence and perform analyses that remain unbiased by any external pressures.

Their contributions allow us to precisely determine the damage to your residential property in Beverly Hills, ensuring no details are missed.

Documenting Visible and Unseen Damage

We perform a detailed inspection of your residential property to thoroughly document wildfire damage. Specialists are engaged to identify hidden issues, ensuring your insurance claim covers all affected areas.

Claims Strategy Development

An in-depth review of your residential insurance policy allows us to formulate a comprehensive claims strategy. This ensures wildfire damage is addressed in a manner that aligns with your policy’s provisions.

Providing Full Proof of Loss

Using extensive documentation and policy expertise, we prepare a clear and compelling proof of loss to support your claim.

Managing Complex Communications

We manage all correspondence with your insurer to reduce your workload. Throughout the process, we keep you informed and provide expert guidance.

Negotiation for Fair and Reasonable Settlement

Our experienced negotiators work tirelessly to secure a fair settlement, representing your residential property’s best interests with precision.

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 by consulting with a public adjuster and a hygienist to document all damages to your residential property thoroughly. This step lays the groundwork for a comprehensive and effective insurance claim.

Does insurance cover power surge damage?

Yes, if you can demonstrate that the wildfire caused the power surge, your homeowners’ insurance policy may include coverage for the damage.

How do insurance companies deal with wildfire claims?

Wildfire claims typically involve an inspection by your insurance company to evaluate property damage before agreeing to fund repairs or other related expenses.

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

A public adjuster works exclusively for you, advocating for your interests, while an insurance adjuster is employed by the insurer and may prioritize their company’s goals.

What is the cost of a public adjuster in Beverly Hills?

Public adjusters are paid a percentage of the settlement amount, ensuring their motivation aligns with securing the best compensation for you.

Are you struggling with a homeowner property claim? Let us provide the expertise and support you need!

*According to the Insurance Information Institute

Public Claims Adjusters for Residential Wildfire Claims in Beverly Hills