Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Recovering from a wildfire’s devastation is an emotionally taxing process, especially when evaluating damage to your residential property. Smoke, soot, ash, and water often leave behind complex layers of destruction, some of which may not be immediately visible. Accurately identifying these damages is vital for a successful insurance claim.

A public adjuster can be your greatest ally during this challenging time. Their expertise in handling wildfire claims—including smoke damage, partial fire loss, and total fire loss—ensures that property owners and renters have an advocate on their side. These professionals bring a wealth of experience to streamline the claims process.

Excel Adjusters has been a trusted name since 1997, with over 2,200 property damage claims successfully resolved. Our 24 years of experience in wildfire claims enable us to navigate complex insurance policies and secure equitable settlements for homeowners. We are committed to guiding you through every step of the process.

Wildfire Damage and Insurance Challenges

Wildfire damage frequently extends beyond what is apparent, including:

Fire damage to your home or property: Both full and partial burns can compromise structural safety and stability.
Effects of smoke damage: Smoke intrusion leaves behind odors, discoloration, and potential health issues that are not easily resolved.
Water damage from wildfires: Fires often disrupt water systems, causing contamination and related water damage.
Wind-related damage: Wildfire winds can topple trees, hurl debris, and worsen structural vulnerabilities.

To address such extensive damage, understanding your insurance policy is critical. Policies often have specific conditions and limitations regarding large fires, making it difficult to assess your claim eligibility without careful review.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This coverage applies to your primary residential structure, covering all fire-related damages, including spaces below the main floor. It provides equitable financial support in the event of a total loss of the home.

Coverage B: Additional Structures

All additional structures within your residential property are included, such as sheds, fencing, landscaping, driveways, pools, and walkways. These features are comprehensively protected under this provision.

Coverage C: Personal Belongings

Personal items located inside your residential home during the fire are protected. This coverage ensures that possessions owned or used by your family are compensated for damage or loss.

Coverage D: Living Costs

If fire damage renders your residential property uninhabitable, this coverage assists with temporary housing costs. Reimbursement is determined by the limits outlined in your insurance plan.

How Excel Adjusters Can Help

To ensure fair and reasonable compensation for damages caused by wildfires to your residential property, consider working with a public adjuster. Excel Adjusters in Calabasas has licensed experts who oversee the entire claims process. We act as dedicated advocates, negotiating assertively with insurance companies to secure a settlement that meets your needs.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We partner with reputable third-party hygienists and specialists to strengthen your insurance claim. These independent experts ensure objectivity by gathering evidence and performing analyses without influence from insurance companies.

Their input allows us to meticulously assess the damage to your residential property in Calabasas, ensuring nothing is overlooked.

Documenting Visible and Unseen Damage

We perform a meticulous assessment of your residential property to document wildfire damage thoroughly. Collaborating with specialized experts, we ensure even hidden or overlooked damage is identified and recorded to strengthen your claim.

Claims Strategy Development

Our in-depth analysis of your residential insurance policy allows us to craft a targeted claims strategy. We address every detail of your policy and wildfire-related damages to help you achieve fair compensation.

Providing Full Proof of Loss

Combining extensive evidence with expert policy knowledge, we compile a complete proof of loss for your claim submission.

Managing Complex Communications

We manage all correspondence with your insurance provider, alleviating your stress. Throughout the claims process, we provide regular updates and guidance to keep you informed.

Negotiation for Fair and Reasonable Settlement

Our skilled negotiators advocate for your residential property’s best interests, working tirelessly to secure a just settlement for your wildfire damages.

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?

To initiate your wildfire claim, consult with a public adjuster and an independent hygienist who can evaluate and document damage to your residential property. Early and accurate documentation forms the foundation of a successful claim.

Does insurance cover power surge damage?

Yes, provided you can demonstrate that the wildfire caused the power surge, your homeowners’ insurance may cover the resulting damage.

How do insurance companies deal with wildfire claims?

Insurers typically begin by inspecting your property to assess damage and determine the scope of coverage for repairs and remediation.

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

A public adjuster works on your behalf, whereas an insurance adjuster is appointed by the insurer and may favor their priorities.

What is the cost of a public adjuster in Calabasas?

Public adjusters charge a percentage of the settlement, motivating them to secure the best possible outcome for you.

Experiencing difficulties with a homeowner property claim? Count on us to provide expert guidance and assistance!

*According to the Insurance Information Institute

Public Claims Adjusters for Residential Wildfire Claims in Calabasas