Wildfire Claims Public Adjuster in Arcadia

(213) 800-3333

Insurance Policy Experts. Unmatched Client Advocacy.


After a wildfire, recognizing all property damage and filing a proper insurance claim can be hard. In a heightened emotional state, wildfire damage may result in visible and hidden issues related to smoke, soot, ash, and water.

You should have a public insurance adjuster, whether dealing with smoke damage, total fire loss, or partial fire loss. These specialists know wildfire claims and have extensive experience helping property owners and renters.

Since 1997, Excel Adjusters has settled more than 2,200 property damage claims. With 24 years in the field, we know the ins and outs of property insurance policies. We handle wildfire insurance claims for both homeowners and business owners, working to secure the highest possible settlement.

Wildfire Damage and Insurance Challenges


Fire behaves unpredictably, creating damage that isn't always visible. This includes:

  • Full or partial burn to your home or property: Both partial and major burns can cause damage that weakens the structure of the affected property.
  • Smoke damage: Pervasive smoke damage infiltrates buildings, causing lasting odors, staining, and health concerns.
  • Water damage: Wells and pipes can be damaged by wildfires, resulting in possible water contamination.
  • Wind damage: Wildfire winds can enhance smoke infiltration and also cause structural problems, fallen trees, and debris impact.

Understanding your insurance policy is key due to the potential damage from wildland fires. Coverage nuances for large fires differ by policy, making it challenging to know what you can claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Arcadia


Coverage A: Main Home or Dwelling

This coverage extends to all damage to your home, including beneath the main floor. The specified amount is the fair and reasonable payout in case of a total fire loss.

Coverage B: Additional Structures

All other structures in the vicinity of the main home are covered, such as buildings, fences, landscaping, concrete driveways, pools, pool decks, and walkways.

Coverage C: Personal Belongings

This coverage protects against damage or loss of personal items, including belongings owned or used by your family that were inside the home at the time of the fire.

Coverage D: Living Costs

This coverage helps reimburse the cost of living elsewhere if your property is uninhabitable due to damage or loss. Coverage levels vary based on the policy limits.

How Excel Adjusters Can Help


When dealing with wildfire damage, a public adjuster can help strengthen your insurance claim compensation. At Excel Adjusters, we provide licensed public insurance adjusters who take charge of the entire claims process. We advocate for property owners and manage negotiations with insurers. We aim to achieve fair compensation for your wildfire damage claim.

Why Us - Our Services


Why Us - Our Services
  • Providing Loss Assessments Experts as Needed
  • We are well-networked with third-party hygienists and specialists to bolster your insurance claim. Expect the insurance company’s adjuster to side with them. It is crucial to bring in independent insurance experts. Their evidence, samples, and analysis will be objective, and not aligned with the insurance company's interests.

    By working with these experts, we can accurately gauge the extent of damage to your property.

  • Documenting Visible and Unseen Damage
  • Following a detailed property inspection, we will record the wildfire damage comprehensively to support your claim. This includes damage not easily seen, as we engage experts to discover issues that might be overlooked by you or your insurance company.

  • Claims Strategy Development
  • We review your personal insurance policies to determine the most effective claims approach. Understanding your policy’s handling of wildfire damage enables us to optimize your claim.

  • Providing Full Proof of Loss
  • Our comprehensive documentation and policy expertise ensure we present complete proof of loss to your insurance company.

  • Managing Complex Communications
  • Our experts handle all communication with the insurance company, making sure the policyholder has a smooth and stress-free experience until the claim is finalized. We’ll help you navigate the fire insurance claim process, ensuring you’re always up to speed on our progress.

  • Negotiation for The Fair and Reasonable Settlement
  • We provide top-level negotiation with insurers to ensure you receive a just settlement, using our knowledge to get the best possible results for wildfire damage.

Providing Full Proof of Loss
Why Us - Our Services

Our Step-By-Step Process


  1. Determining Safety Risks
  2. Understanding Your Claim Process
  3. Assessing and Analyzing Damage
  4. Creating a Strategy for Recovery
  5. Managing Your Claim Negotiations
  6. Securing and Strengthening Your Benefit
Step-By-Step Process

Wildfire Insurance Claims FAQ

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

Start the wildfire claim process in Arcadia by contacting a public adjuster and independent Hygienist to examine and document any damages. Proper documentation is vital for proving your loss when submitting your claim. It’s crucial to remember that time is pressing, and damage must be recorded quickly.

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Does insurance cover power surge damage?

If a wildfire is proven to have caused the power surge, your homeowners’ insurance may cover the damage.

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How do insurance companies in Arcadia deal with wildfire claims?

How your insurance handles wildfire claims depends on the policy, but you can expect an inspection before they commit to rebuilding, repairs, or remediating smoke damage.

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

The primary contrast between a fire claims public adjuster and an insurance adjuster is whose side they are on. Independent adjusters working for insurance companies tend to favor the insurer’s position. A public adjuster works directly for you, ensuring your interests are prioritized.

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What is the cost of a public adjuster?

Public adjusters are usually compensated with a percentage of the settlement, incentivizing them to secure the best result for you.

Call:(213) 800-3333
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