Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

The destruction caused by a wildfire can leave homeowners feeling overwhelmed and uncertain about where to start. Residential properties often suffer from a combination of smoke, soot, ash, and water damage, making it difficult to assess the full extent of the loss. Hidden damages can further complicate the claims process.

Public adjusters play a critical role in helping property owners navigate wildfire insurance claims. Whether you’re facing smoke damage, partial fire loss, or a complete loss, these professionals bring expertise and guidance to ensure your claim is thorough and accurate. Their focus is on alleviating your burden during this difficult time.

Excel Adjusters has 24 years of experience in resolving property damage claims, having settled over 2,200 cases since 1997. We specialize in wildfire claims and are dedicated to representing homeowners. Our goal is to ensure you receive a settlement that truly reflects the damage to your property.

Wildfire Damage and Insurance Challenges

The effects of wildfire damage often go beyond the obvious, including:

Fire damage to your home or property: Partial or complete burns can result in structural instability, putting your home at risk.
Effects of smoke damage: Smoke penetrates interiors, causing persistent odors, discoloration, and health risks that require specialized attention.
Water damage from wildfires: Fire-related disruptions to plumbing and water wells often lead to contamination and subsequent damage.
Wind-related damage: The strong winds associated with wildfires can uproot trees, scatter debris, and cause significant structural harm.

Understanding your insurance policy is vital after such widespread destruction. Coverage details for large fires can be complex, making it difficult to determine the extent of your eligible claims without expert guidance.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This coverage addresses all fire-related damage to your residential home, including structural areas beneath the main floor. In the case of a complete loss, it ensures fair compensation for rebuilding or restoration.

Coverage B: Additional Structures

Additional features of your residential property, such as detached structures, fences, landscaping, pools, pool decks, and paved areas, are covered. This ensures comprehensive protection for external components.

Coverage C: Personal Belongings

This coverage extends to personal belongings located inside your residential home at the time of the fire. Items owned or used by your family are eligible for compensation under this provision.

Coverage D: Living Costs

When your residential home is no longer habitable due to fire damage, this coverage helps cover temporary living expenses. The reimbursement amount depends on the terms of your policy.

How Excel Adjusters Can Help

Securing fair compensation for wildfire damage to your residential property is easier with the help of a public adjuster. At Excel Adjusters in Malibu, our licensed professionals manage the entire claims process on your behalf. We stand firmly as your advocates, ensuring insurance companies provide a settlement that truly reflects the damages you’ve experienced.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Through collaboration with independent hygienists and specialists, we provide robust support for your insurance claim. These third-party professionals ensure objectivity by collecting samples and analyzing evidence free of insurance company interference.

Their work enables us to gain a precise understanding of the damage to your Malibu property, ensuring a comprehensive claims process.

Documenting Visible and Unseen Damage

A detailed inspection of your residential property allows us to document all wildfire-related damage comprehensively. By utilizing specialized experts, we uncover and record hidden issues that your insurance company might miss.

Claims Strategy Development

We carefully examine your residential fire insurance policy to design a customized claims strategy. This ensures your wildfire losses are thoroughly addressed, maximizing your claim’s potential.

Providing Full Proof of Loss

With a combination of precise documentation and policy expertise, we present a complete proof of loss to your insurer.

Managing Complex Communications

Our team handles all communication with your insurance company, making the process seamless. You’ll receive updates at every stage of the fire insurance claim process.

Negotiation for Fair and Reasonable Settlement

Leveraging deep knowledge of residential claims, we negotiate assertively to secure a fair and reasonable 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?

The first step involves reaching out to a public adjuster and an independent hygienist to inspect and thoroughly document the damage to your residential property. Prompt documentation ensures all visible and hidden damages are properly recorded for your claim.

Does insurance cover power surge damage?

If you can prove the power surge was caused by a wildfire, your homeowners’ insurance policy may cover the damage.

How do insurance companies deal with wildfire claims?

Wildfire claims are usually addressed by insurance companies through property inspections and damage assessments to determine the extent of coverage for repairs or rebuilding efforts.

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

A public adjuster works for you and advocates for your needs, whereas an insurance adjuster is hired by your insurer and may act in their best interests.

What is the cost of a public adjuster in Malibu?

Public adjusters usually take a percentage of your settlement as their fee, incentivizing them to achieve maximum compensation for you.

Managing a homeowner property claim can be tough, but we’re here to help you handle it with confidence!

*According to the Insurance Information Institute

Public Claims Adjusters for Residential Wildfire Claims in Malibu