Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

The aftermath of a wildfire can leave homeowners struggling to assess the full impact on their residential property. The destruction caused by smoke, soot, ash, and water often includes hidden damages that are easily overlooked. This makes filing a comprehensive insurance claim particularly challenging.

Public adjusters provide critical assistance in these situations. Their expertise in wildfire claims ensures that property owners and renters receive the support they need to navigate smoke damage, partial fire loss, or total fire loss. These professionals bring a thorough understanding of the claims process to secure the best outcomes.

Excel Adjusters has been a trusted partner for homeowners since 1997, successfully settling over 2,200 property damage claims. With 24 years of experience, we specialize in advocating for fair and reasonable settlements. Our dedication to representing residential property owners ensures your losses are accurately evaluated and compensated.

Wildfire Damage and Insurance Challenges

Wildfires can leave damage that isn’t immediately visible, impacting your home in ways that include:

Fire damage to your home or property: Structural issues caused by full or partial burns can threaten the integrity of your residence.
Effects of smoke damage: Lingering odors, stains, and potential health risks from smoke infiltration can be difficult to mitigate.
Water damage from wildfires: Fires can damage water systems, resulting in contamination and related water damage.
Wind-related damage: Wildfire winds can cause trees to fall, debris to impact structures, and additional damage to occur.

A clear understanding of your insurance policy is essential when addressing wildfire-related destruction. Policies vary significantly in terms of coverage for large fires, making it difficult to navigate claims without a thorough review.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This coverage protects the primary structure of your residential home, including fire damage sustained in areas beneath the main floor. It offers fair compensation for the total or partial loss of your dwelling.

Coverage B: Additional Structures

All external features of your residential property, such as fencing, landscaping, pools, pool decks, and nearby outbuildings, are included under this coverage. Concrete walkways and driveways are also protected.

Coverage C: Personal Belongings

Belongings located inside your residential home at the time of the fire are included in this coverage. It ensures protection for items owned or used by your family.

Coverage D: Living Costs

If fire damage forces you out of your residential property, this coverage helps reimburse living expenses. Reimbursement is subject to the limits defined in your insurance policy.

How Excel Adjusters Can Help

If your residential property has been impacted by wildfire damage, ensuring fair compensation often requires the expertise of a public adjuster. Excel Adjusters in Santa Monica provides licensed professionals to guide you through the claims process. We advocate tirelessly on your behalf, working with insurers to secure a settlement that accurately reflects your losses.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We connect you with third-party hygienists and specialists who bring objectivity and professionalism to the insurance claim process. Their independent analyses and evidence collection are free from any insurance company influence, ensuring impartial results.

With their expertise, we can thoroughly evaluate the damage to your Santa Monica property, providing you with an accurate claims foundation.

Documenting Visible and Unseen Damage

Our detailed assessment of your residential property ensures comprehensive documentation of wildfire damage. We work with specialists to identify hidden damages that might otherwise go unnoticed, fortifying your claim.

Claims Strategy Development

By analyzing your residential insurance policy, we create an effective strategy for your wildfire claim. Our expertise ensures that every aspect of your policy is utilized to secure fair compensation.

Providing Full Proof of Loss

We compile a detailed proof of loss by combining clear evidence and thorough policy knowledge.

Managing Complex Communications

Our team takes charge of all communication with your insurer, simplifying the process for you. We keep you informed at every stage while ensuring your claim moves forward smoothly.

Negotiation for Fair and Reasonable Settlement

With years of experience in residential wildfire claims, we negotiate assertively to achieve an equitable settlement for your 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 initial step is to hire a public adjuster and an independent hygienist to document the damage to your residential property. This ensures a strong foundation for your insurance claim.

Does insurance cover power surge damage?

If a wildfire caused the power surge, your homeowners’ insurance might cover the damage, provided you present the necessary evidence.

How do insurance companies deal with wildfire claims?

Insurance companies manage wildfire claims by conducting property inspections to assess damage before approving remediation, repair, or rebuilding costs.

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

Public adjusters represent your interests, while insurance adjusters are hired by your insurer and may lean toward prioritizing the company’s interests.

What is the cost of a public adjuster in Santa Monica?

Typically, public adjusters charge a percentage of your final settlement, incentivizing them to secure a favorable resolution.

Dealing with a homeowner property claim can be daunting, but our team is ready to assist you every step of the way!

*According to the Insurance Information Institute

Public Claims Adjusters for Residential Wildfire Claims in Santa Monica