Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a wildfire, identifying all the damage to your property and filing a successful insurance claim can be difficult. Emotions can cloud your judgment, and the damage caused by fire, smoke, soot, ash, and water can be both visible and hidden.

If your Chino Hills property has sustained smoke damage, total fire loss, or partial fire loss, you need a public adjuster. These professionals specialize in wildfire claims and are skilled at representing property owners and renters like you.

With over 24 years of experience, Excel Adjusters has successfully settled more than 2,200 property damage claims since 1997. We are well-versed in the specifics of your insurance policy and can relieve the stress of dealing with wildfire claims. Our team works hard to secure the maximum settlement for both homeowners and business owners.

Wildfire Damage and Insurance Challenges

The behavior of fire is complicated, and it can cause damage that isn't immediately obvious. This includes:

Partial or full burn damage: Fire can affect either part or all of a home, leading to structural problems and safety concerns. It’s important to address burn damage quickly to avoid further deterioration.
Smoke damage: Smoke can seep into even the most unexpected places in a building, causing odor issues, staining surfaces, and potentially harming indoor air quality, making it a significant concern in fire damage recovery.
Water damage: The destruction of pipes and wells by wildfires can lead to water contamination. The resulting water damage may not only affect your property but also pose serious health risks.
Wind damage: Wildfires are often accompanied by strong winds, which can knock over trees and debris that cause additional structural damage. These winds also accelerate the spread of smoke, further affecting your property.

Understanding your insurance policy in Chino Hills is crucial due to the massive damage wildland fires can cause. Insurance policies vary greatly, particularly when it comes to large fires, leaving it unclear what aspects of damage are covered under your claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This part of your insurance covers damage to the actual structure of your home, including losses to areas below the ground floor. If your home is completely destroyed, this is the maximum amount you are entitled to for a full replacement.

Coverage B: Additional Structures

Covers other buildings and structures on your property, such as fences, garages, driveways, pools, and walkways. These are separate from the main dwelling but are included under your overall policy.

Coverage C: Personal Belongings

Reimburses you for loss or damage to personal items inside your home, including clothing, electronics, and furniture, due to a fire or other qualifying event.

Coverage D: Living Costs

If your home is rendered uninhabitable, this coverage helps with living expenses such as staying in a hotel or renting temporary housing. The amount covered will vary based on your policy’s specific limits.

How Excel Adjusters Can Help

Wildfire damage can be overwhelming, which is why you need a public adjuster to ensure you get the full compensation you’re entitled to. At Excel Adjusters, our licensed team of experts takes care of everything. We advocate on behalf of property owners, handling negotiations with insurance companies to secure a fair and just settlement for your wildfire claim.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We’re connected with trusted third-party hygienists and other professionals who are key to supporting your insurance claim. Independent experts are essential because their work—whether collecting samples, gathering evidence, or conducting analysis—remains unbiased, ensuring the focus is on the facts, not the insurance company’s interests.

With their help, we’ll provide an accurate assessment of the damages to your property.

Documenting Visible and Hidden Damage

We perform an exhaustive assessment of your Chino Hills property, documenting both visible and hidden wildfire damage. Our experts make sure to uncover any issues that could be missed by you or your insurance company, ensuring a comprehensive claim.

Claims Strategy Development

We closely examine your fire insurance policies to develop the most effective strategy for your claims. With a clear understanding of how your policy handles wildfire-related damage, we tailor our approach to maximize your claim, considering both the coverage and the damage specifics.

Providing Complete Proof of Loss

Through precise documentation and expert knowledge of your policy, we prepare and submit a full proof of loss to your insurance provider, ensuring that all damages are adequately covered.

Managing Complex Communications

We manage all interactions with the insurance company, reducing your burden and providing a seamless claims experience. We guide you through the entire process, keeping you informed of our progress every step of the way.

Negotiating for the Best Settlement

Our expertise allows us to advocate on your behalf, negotiating with the insurance company for the best possible settlement. We leverage our knowledge to ensure that you are compensated fairly for all wildfire-related 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 & Maximizing Your Benefit Amount

Wildfire Insurance Claims FAQ

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

To begin your wildfire insurance claim, the first action is to contact both a public adjuster and an independent hygienist to evaluate the damage to your property. Their documentation will provide solid proof of loss when filing your claim in Chino Hills. It’s important to remember that time is critical, and the damage should be recorded promptly.

Does insurance cover power surge damage?

Should a wildfire be the cause of a power surge, and you can provide proof of this, your homeowners’ insurance might cover the damage.

How do insurance companies deal with wildfire claims?

Depending on your insurance policy, the process for handling wildfire claims may differ. In most cases, an inspection of the property will be required before they approve rebuilding, repairs, or smoke damage remediation.

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

The primary difference between a fire claims public adjuster and an insurance adjuster is whose interests they serve. While insurance adjusters are appointed by the insurer and may favor the company’s bottom line, a public adjuster works directly for you, advocating for a fair and equitable settlement.

What is the cost of a public adjuster?

Public adjusters generally earn a percentage of the settlement amount, which encourages them to secure the best possible compensation 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 Chino Hills