Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

The devastation caused by a wildfire can leave homeowners feeling overwhelmed and unsure of how to move forward. Damage from smoke, soot, ash, and water often presents itself in layers, with hidden issues that may not be immediately apparent. Navigating the process of identifying these damages is a critical first step in filing an effective insurance claim.

A public adjuster provides invaluable support in these situations. Specializing in wildfire insurance claims, they are adept at addressing smoke damage, partial fire loss, and total fire loss. Their experience ensures that property owners and renters have an advocate working diligently to secure accurate and fair settlements.

Since 1997, Excel Adjusters has successfully resolved more than 2,200 property damage claims, earning the trust of countless homeowners. With 24 years of expertise, we focus on wildfire claims, offering dedicated representation to achieve equitable outcomes. Let us guide you through the claims process with professionalism and care.

Wildfire Damage and Insurance Challenges

The unpredictable behavior of wildfires often leads to hidden and extensive damage, including:

Fire damage to your home or property: Even partial burns can undermine the structural integrity of your home, posing significant risks.
Effects of smoke damage: Smoke invades interiors, leaving lasting odors, unsightly stains, and potential health risks.
Water damage from wildfires: Fires frequently damage water systems, leading to contamination and associated destruction.
Wind-related damage: Strong winds accompanying wildfires topple trees, create debris impacts, and worsen structural vulnerabilities.

Understanding your insurance policy is key to managing wildfire-related damage. Policies often have intricate provisions for large fires, making it difficult to assess your eligibility for claims without a thorough analysis.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This policy covers all fire damage sustained by your residential home, including structural areas below the main floor. It ensures fair and reasonable compensation in the case of both complete and partial losses.

Coverage B: Additional Structures

Adjacent structures on your residential property, such as sheds, fencing, pools, and landscaping, are included under this coverage. Concrete driveways, pool decks, and walkways are also protected.

Coverage C: Personal Belongings

Personal possessions inside your residential home at the time of the fire are covered. This includes items owned or used by family members, ensuring comprehensive protection for your belongings.

Coverage D: Living Costs

If fire damage prevents you from staying in your residential property, this coverage assists by reimbursing temporary living expenses. The amount reimbursed depends on the limits specified in your insurance policy.

How Excel Adjusters Can Help

Securing a fair settlement for wildfire damage to your residential property begins with hiring a skilled public adjuster. At Excel Adjusters in Sylmar, our licensed professionals oversee the entire claims process. We advocate on your behalf, negotiating with insurers to ensure a settlement that truly reflects the extent of your losses.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our services include access to third-party hygienists and specialists who ensure your insurance claim is supported by objective evidence. These independent professionals conduct thorough evaluations and analyses, free from any insurance company bias.

Their expertise allows us to accurately identify and assess the damage to your Sylmar property, providing a reliable foundation for your claim.

Documenting Visible and Unseen Damage

We thoroughly assess your residential property to document all wildfire damage accurately. Our partnerships with specialists help uncover hidden damages, ensuring your insurance claim is both complete and strong.

Claims Strategy Development

By reviewing your residential insurance policy, we create a strategic plan tailored to your wildfire damage. This ensures every aspect of your claim is addressed for fair compensation.

Providing Full Proof of Loss

We combine extensive evidence collection with policy expertise to present a complete proof of loss to your insurer.

Managing Complex Communications

We handle all communication with your insurance provider, making the claims process as seamless as possible. You’ll stay informed with regular updates from our team.

Negotiation for Fair and Reasonable Settlement

Our expertise in residential claims allows us to negotiate confidently, securing a just and fair 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?

Engage a public adjuster and a third-party hygienist to evaluate and document all damages to your residential property. This step is crucial for building a well-supported insurance claim.

Does insurance cover power surge damage?

Yes, power surge damage may be covered if it can be directly linked to the wildfire and documented accordingly.

How do insurance companies deal with wildfire claims?

Insurers typically begin by inspecting your property to assess the damage and determine coverage for repairs, rebuilding, or remediation.

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

A public adjuster advocates solely for your claim, while an insurance adjuster works for your insurer and may prioritize minimizing payouts.

What is the cost of a public adjuster in Sylmar?

Public adjusters charge a percentage of the settlement, ensuring their success is tied to achieving the best possible result for your claim.

If your homeowner property claim is causing frustration, let us step in to provide the help you need!

*According to the Insurance Information Institute

Public Claims Adjusters for Residential Wildfire Claims in Sylmar