Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a wildfire, it can be difficult to fully assess the damage and properly file an insurance claim. In emotionally charged situations, wildfire damage can cause both visible and hidden problems from smoke, soot, ash, and water.

Whether you’ve experienced smoke damage, total fire loss, or partial fire loss, a public insurance adjuster is essential. These professionals are experts in wildfire claims and have broad experience helping property owners and renters.

Since 1997, Excel Adjusters has settled more than 2,200 property damage claims. With over 24 years of experience, we thoroughly know your insurance policy. We manage wildfire insurance claims for homeowners and business owners, focusing on getting them the highest settlement.

Wildfire Damage and Insurance Challenges

The way fire behaves is complex, resulting in damage that may not be visible at first glance. This includes:

Full or partial burn to your home or property: Burns, whether partial or severe, can compromise the structural integrity of the affected property.
Smoke damage: Smoke damage seeps into buildings, leaving behind odors, staining, and health dangers that may persist.
Water damage: Damage to pipes and wells from wildfires can cause water contamination issues.
Wind damage: Strong winds that accompany wildfires can worsen smoke infiltration and cause fallen trees, debris impact, and structural damage.

Given the potential for severe damage from wildland fires, knowing your insurance policy is important. Coverage for large fires varies, making it hard to figure out what you can claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Buena Park

Coverage A: Main Home or Dwelling

This portion of your policy covers damage to your home, including beneath the main floor. The specified amount is fair and reasonable you can claim in the event of a complete fire loss.

Coverage B: Additional Structures

All structures in the surrounding area of the main home are covered, including buildings, fences, landscaping, concrete driveways, pools, pool decks, and various walkways.

Coverage C: Personal Belongings

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

Coverage D: Living Costs

It covers additional living expenses if you cannot live on your property due to damage or loss. The amount reimbursed is subject to the policy limits.

How Excel Adjusters Can Help

Ensuring the best possible compensation for your wildfire damage claim involves hiring a public adjuster. Our licensed public insurance adjusters at Excel Adjusters handle all aspects of your claim and work to negotiate with insurance companies on your behalf. We will work diligently to obtain fair compensation for any wildfire damage you’ve experienced.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our connections with third-party hygienists and experts can enhance your insurance claim. Keep in mind, that the insurance adjuster will probably side with the company. Involving independent insurance experts is crucial. They ensure their samples and analysis are unbiased, unlike those from the insurance company.

These experts will support us in accurately evaluating the extent of damage to your property.

Documenting Visible and Unseen Damage

After a detailed assessment, we will document the wildfire damage fully to support your insurance claim. We rely on experts to uncover hidden damage that could be overlooked by you or your insurance company.

Claims Strategy Development

Reviewing your fire insurance policies provides us with the insights needed to create the best claims strategy. Our knowledge of wildfire coverage helps us enhance your claim.

Providing Full Proof of Loss

With our detailed documentation and policy expertise, we can offer full proof of loss to your insurer.

Managing Complex Communications

We manage all correspondence between the policyholder and the insurer, working to make the experience as stress-free as possible until the claim is resolved. We’ll walk you through each step of the fire insurance claim process, keeping you informed on the progress we make.

Negotiation for The Fair and Reasonable Settlement

Our expert negotiation with insurance companies ensures fair settlements, and we use our knowledge to represent you and secure the best outcome for wildfire damage.

Our Step-By-Step Process

Spotting Safety Risks
Understanding Your Claim Process
Assessing and Evaluating Damage
Establishing a Recovery Strategy
Handling Your Insurance Claim Negotiations
Finalizing and Enhancing Your Settlement

Wildfire Insurance Claims FAQ

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

Start your wildfire insurance claim in Buena Park by consulting a public adjuster and independent Hygienist to evaluate and document the damage. This documentation is crucial to proving loss when filing your claim. It’s essential to document the damage immediately, as time is a major factor.

Does insurance cover power surge damage?

If it can be proven that a wildfire caused the power surge, your homeowners’ insurance could cover the damage.

How do insurance companies in Buena Park deal with wildfire claims?

The way your insurance company deals with wildfire claims depends on the policy, but an inspection of the property will usually be required before repairs, rebuilding, or smoke remediation can be approved.

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

The essential distinction between a public adjuster for fire claims and an insurance adjuster is their motivation. Independent adjusters work for insurance companies and often aim to favor the insurer’s outcome. A public adjuster is someone who you employ to handle the claims process for your benefit.

What is the cost of a public adjuster?

The fact that public adjusters charge a percentage of the settlement drives them to secure the best 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 Buena Park