Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Identifying all the damage and filing an insurance claim can be difficult after a wildfire. With emotions likely high, wildfire damage can bring both obvious and unseen issues, such as those caused by smoke, soot, ash, and water.

A public insurance adjuster is essential, whether you’re dealing with smoke damage, full fire loss, or partial fire damage. These professionals specialize in wildfire claims and have experience representing property owners and tenants.

Excel Adjusters has been handling property damage claims since 1997, with over 2,200 claims settled. With 24 years of experience, we fully understand the complexities of your insurance policy. We handle the challenges of wildfire insurance claims for homeowners and business owners, aiming for the highest possible settlement.

Wildfire Damage and Insurance Challenges

Fires behave in unpredictable ways, often causing damage that isn't immediately apparent. Examples include:

Full or partial burn to your home or property: Structural damage and weakened integrity of the property can occur due to partial or substantial burns.
Smoke damage: Smoke damage is persistent and invasive, affecting buildings with lingering odors, stains, and health risks.
Water damage: Wildfires can affect pipes and wells, potentially causing water contamination.
Wind damage: Strong winds during wildfires not only enhance smoke infiltration but can also lead to fallen trees, debris impact, and structural issues.

Each wildland fire can result in severe damage, so understanding your insurance policy is crucial. Policies differ in coverage details for large fires, which can complicate the claims process.

Wildfire Damage and Insurance Challenges

UNDERSTANDING HOMEOWNERS INSURANCE COVERAGE FOR WILDFIRE DAMAGE IN BEVERLY HILLS

Coverage A: Main Home or Dwelling

This part of your policy covers damage to your home, including losses under the main floor. The specified amount is the fair and reasonable payout if there is a total loss from a fire.

Coverage B: Additional Structures

Coverage includes all surrounding structures, such as buildings close to the main home, fences, landscaping, concrete driveways, pools, pool decks, and various walkways.

Coverage C: Personal Belongings

This policy covers damage or loss of personal belongings, including items your family-owned or used that were inside the home during the fire.

Coverage D: Living Costs

This policy helps cover living expenses when you cannot stay home due to damage or loss. The extent of coverage depends on the policy limits.

How Excel Adjusters Can Help

A public adjuster can help you achieve fair and reasonable compensation for your insurance claim following wildfire damage. Our licensed public insurance adjusters at Excel Adjusters oversee the entire claims process. We act as expert advocates, negotiating with insurance companies on your behalf. We strive to obtain a fair payout for your claim related to wildfire damage.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our network includes professional third-party hygienists and experts who can enhance your insurance claim. Expect that the insurance company’s adjuster will support their position. Bringing in independent insurance experts is vital. They provide neutral analysis, samples, and evidence, rather than supporting the insurance company's interests.

Using these experts, we can determine the full extent of the damage to your property.

Documenting Visible and Unseen Damage

Once we complete an in-depth property assessment, we will meticulously document the wildfire damage to aid your insurance claim. Our team uses specialized experts to detect hidden damage that you or your insurance company might not see.

Claims Strategy Development

We analyze your fire insurance policies to develop a strategic approach to your claim. This detailed understanding of how your policy addresses wildfire risks allows us to enhance your claim.

Providing Full Proof of Loss

Our thorough records of evidence and policy knowledge ensure we deliver full proof of loss to your insurance company.

Managing Complex Communications

All communications with the insurance company are taken care of by us, ensuring the policyholder can have a stress-free experience until the case is resolved. We assist you throughout the fire insurance claim process, ensuring you're informed every step of the way.

Negotiation for The Fair and Reasonable Settlement

Our team provides unmatched negotiation with insurers, aiming to secure fair settlements and use our expertise to get the best possible outcome for wildfire damage claims.

Our Step-By-Step Process

Identifying Safety Hazards
Reviewing Your Insurance Claim
Analyzing and Evaluating Damages
Establishing a Recovery Plan
Representing You in Insurance Claim Negotiations
Settling and Optimizing Your Claim

Wildfire Insurance Claims FAQ

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

The first step in the wildfire claim process in Beverly Hills is to hire a public adjuster and independent Hygienist to assess and document damages on your property. This documentation is essential for providing proof of loss. Don’t forget that time is a key factor, and damage must be documented without delay.

Does insurance cover power surge damage?

If the power surge resulted from a wildfire and evidence supports it, your homeowners’ insurance would cover the damage.

How do insurance companies in Beverly Hills deal with wildfire claims?

Your insurance company’s approach to wildfire claims will depend on your coverage, but they typically inspect the property before agreeing to any repairs, rebuilding, or smoke damage cleanup.

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

The main contrast between a fire claims public adjuster and an insurance adjuster is their focus. Independent adjusters hired by insurance companies often lean toward benefiting the insurer. On the flip side, a public adjuster works for you, representing your needs.

What is the cost of a public adjuster?

Public adjusters generally earn a percentage of the settlement, which drives them to get the most favorable outcome for you.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Beverly Hills