Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a wildfire, assessing property damage and filing an insurance claim can be difficult. Wildfire damage can cause visible and hidden issues from smoke, soot, ash, and water, especially when emotions are intense.

For smoke damage, total fire loss, or partial fire loss, a public insurance adjuster is important. They are experts in wildfire claims and have experience representing property owners and renters like you.

Since 1997, Excel Adjusters has resolved more than 2,200 property damage claims. With over 24 years of experience, we have a deep knowledge of how insurance policies work. We relieve the burden of dealing with wildfire insurance claims for homeowners and business owners, working toward a fair and reasonable settlement.

Wildfire Damage and Insurance Challenges

Fire behavior is unpredictable, leading to damage that isn't always visible to the naked eye. This includes:

Full or partial burn to your home or property: The integrity of the property can be compromised by partial and substantial burns, leading to structural damage.
Smoke damage: Smoke damage infiltrates structures, causing lingering odors, stains, and health risks to the inhabitants.
Water damage: Wells and pipes damaged by wildfires can lead to the risk of contaminated water supplies.
Wind damage: In addition to intensifying smoke infiltration, powerful wildfire winds can result in fallen trees, debris damage, and structural issues.

Since wildland fires can result in substantial damage, it’s essential to understand the specifics of your insurance policy. The coverage for large fires can vary, making it difficult to determine what can be claimed.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Anaheim

Coverage A: Main Home or Dwelling

This part of your policy provides coverage for damage to your home, including beneath the main floor. The specified amount is fair and reasonable you can claim if there is a total loss from fire.

Coverage B: Additional Structures

Coverage includes all structures near the main home, including buildings, fencing, landscaping, concrete driveways, pools, pool decks, and walkways.

Coverage C: Personal Belongings

Coverage includes any damage or loss to personal belongings, such as those owned or used by your family and kept inside the home during the fire.

Coverage D: Living Costs

It provides reimbursement for living expenses when you can't stay in your property due to damage or loss. The coverage amount is determined by your policy limits.

How Excel Adjusters Can Help

To secure the best compensation for your wildfire damage, hiring a public adjuster is highly recommended. At Excel Adjusters, licensed public insurance adjusters handle every part of your claim process, serving as advocates and negotiating with insurance companies for you. We will make every effort to secure a fair payout for damage caused by wildfires.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We are connected with third-party hygienists and experts to assist in strengthening your insurance claim. It’s wise to assume that the insurance adjuster will back the company’s side. Independent insurance experts are essential for fairness. Their evidence collection and analysis will be impartial, and not influenced by the insurance company.

By involving these experts, we will determine the extent of your property’s damage with accuracy.

Documenting Visible and Unseen Damage

After an extensive property assessment, we will thoroughly document the wildfire damage to assist with your insurance claim. We use the right specialists to identify damage that isn’t visible, ensuring that you or your insurance company don’t miss any issues.

Claims Strategy Development

By studying your fire insurance policies, we formulate an effective claims strategy. Our detailed understanding of your policy’s wildfire coverage helps us optimize your claim.

Providing Full Proof of Loss

We gather comprehensive documentation and apply our policy knowledge to deliver full proof of loss to your insurer.

Managing Complex Communications

We oversee all interactions between the policyholder and the insurance company, making sure the entire process is as stress-free as possible until the claim is resolved. We’ll guide you throughout the fire insurance claim process and keep you updated with our progress at each stage.

Negotiation for The Fair and Reasonable Settlement

Our negotiation skills with insurance companies are second to none, ensuring you receive a just settlement and the best result for wildfire damage.

Our Step-By-Step Process

Determining Risks to Safety
Understanding Your Insurance Claim
Assessing and Inspecting Damages
Designing a Recovery Plan
Managing Negotiations for Your Insurance Claim
Increasing and Settling Your Benefit

Wildfire Insurance Claims FAQ

What is the first step when filing my wildfire insurance claim in Anaheim?

The first thing to do in filing a wildfire insurance claim in Anaheim is to hire a public adjuster and independent Hygienist to assess your property and document the damage. Proper documentation supports your proof of loss. Time is crucial, so ensure the damage is documented promptly to avoid delays.

Does insurance cover power surge damage?

If the wildfire can be linked to the power surge with evidence, your homeowners’ insurance may help cover the damage.

How do insurance companies in Anaheim deal with wildfire claims?

Your insurance company’s handling of wildfire claims is shaped by your policy, though an inspection is usually needed before they agree to any repairs, rebuilding, or smoke remediation.

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

The key difference between a fire claims public adjuster and an insurance adjuster lies in who they represent. Independent adjusters appointed by insurance companies generally favor the insurer in the claims process. A public adjuster, unlike others, is hired by you to ensure your claims are properly managed.

What is the cost of a public adjuster?

Public adjusters are compensated with a percentage of the settlement, which incentivizes them to increase the amount they receive.

If you’re suffering from a homeowner property claim, we can help!

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Anaheim