Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Experiencing the aftermath of a wildfire is both emotionally and logistically challenging for residential property owners. The damage caused by smoke, soot, ash, and water can complicate the process of assessing and documenting your losses. These layers of destruction, both visible and hidden, make filing an effective insurance claim particularly daunting.

Engaging a public adjuster can make a significant difference when managing wildfire insurance claims. With expertise in smoke damage, partial fire loss, and total fire loss, these professionals work closely with property owners and renters to ensure all damages are identified and properly reported. Their experience provides peace of mind during a difficult time.

Excel Adjusters brings 24 years of industry expertise, having successfully resolved over 2,200 property damage claims since 1997. Our team is committed to representing residential property owners, ensuring fair and just settlements for wildfire-related losses. Let us advocate for you, providing the experience and dedication needed to achieve optimal outcomes.

Wildfire Damage and Insurance Challenges

The aftermath of wildfires often reveals damage far beyond what meets the eye, including:

Fire damage to your home or property: Both full and partial burns can lead to structural instability, rendering areas unsafe.
Effects of smoke damage: Smoke infiltration causes lasting odors, unsightly stains, and health hazards that are notoriously difficult to resolve.
Water damage from wildfires: Fires can damage plumbing infrastructure, leading to contaminated water supplies and associated damage.
Wind-related damage: Intense wildfire winds contribute to fallen trees, debris collisions, and further structural compromise.

Given the broad damage potential of wildland fires, understanding your insurance policy is essential. The nuances of coverage for large fires can complicate the claims process, making it challenging to pinpoint what losses are compensable.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This coverage applies to the residential structure, addressing all fire damage, including areas beneath the primary floor. It guarantees a fair and reasonable payout in the case of a total loss of your home.

Coverage B: Additional Structures

Adjacent structures on your residential property are protected, such as sheds, fencing, pools, pool decks, landscaping, and paved areas like driveways and walkways, ensuring comprehensive coverage for external features.

Coverage C: Personal Belongings

Personal items inside your residential dwelling at the time of the fire are included. This encompasses possessions owned or used by family members, offering financial protection for damaged or lost items.

Coverage D: Living Costs

If your residential property becomes uninhabitable due to fire damage, this coverage compensates for temporary living expenses. Reimbursement is subject to the policy's outlined limits.

How Excel Adjusters Can Help

To achieve fair and reasonable compensation for residential wildfire damage, enlisting a public adjuster is vital. At Excel Adjusters in Glendale, our licensed team manages the claims process from start to finish. Acting as strong advocates for property owners, we negotiate with insurance providers to ensure you receive a just and equitable settlement.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We collaborate with third-party hygienists and specialists who bring reliability and objectivity to your insurance claim. Their expertise in evidence collection and analysis ensures an impartial assessment, independent of insurance company influences.

These experts empower us to determine the extent of damage to your residential property in Glendale with accuracy and thoroughness.

Documenting Visible and Unseen Damage

A complete evaluation of your residential property enables us to document wildfire damage in its entirety. We engage specialists to uncover and record less apparent damage, ensuring your insurance claim is robust and accurate.

Claims Strategy Development

Our detailed review of your residential insurance policies allows us to design an effective claims strategy. We ensure that the nuances of your policy and wildfire damage are thoroughly addressed for a fair settlement.

Providing Full Proof of Loss

By combining detailed documentation with policy expertise, we prepare a strong proof of loss for submission to your insurance company.

Managing Complex Communications

We oversee all communications with your insurer, keeping the process straightforward for you. You’ll remain informed as we guide you through each step of your fire insurance claim.

Negotiation for Fair and Reasonable Settlement

Our team negotiates assertively to secure a fair settlement for your residential property. We leverage our expertise to ensure your claim receives the attention and compensation it deserves.

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?

Begin by consulting a public adjuster and a third-party hygienist to assess and document the damages to your residential property. Acting quickly ensures that all damage is properly recorded as evidence for your claim.

Does insurance cover power surge damage?

If a wildfire can be proven to have caused the power surge, homeowners’ insurance may cover the associated damages.

How do insurance companies deal with wildfire claims?

Insurance companies typically handle wildfire claims by inspecting your property and assessing the damage before agreeing to cover repairs, reconstruction, or smoke damage remediation.

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

A public adjuster is hired to advocate for you, whereas an insurance adjuster works on behalf of the insurer, potentially prioritizing their interests.

What is the cost of a public adjuster in Glendale?

Public adjusters typically charge a percentage of the settlement amount, motivating them to secure the highest possible compensation for you.

Facing issues with your homeowner property claim? We’re ready to help you navigate every step of the way!

*According to the Insurance Information Institute

Public Claims Adjusters for Residential Wildfire Claims in Glendale