Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a wildfire, assessing the damage to your property and filing an accurate insurance claim can be challenging. The emotional toll and hidden damage from smoke, soot, ash, and water often complicate the process.

A public adjuster is essential whether you’re dealing with smoke damage, a total fire loss, or a partial fire loss. They specialize in wildfire insurance claims and have experience assisting property owners and renters.

Excel Adjusters has been resolving property damage claims since 1997, with over 2,200 claims successfully settled. With 24 years of experience, we understand the complexities of insurance policies. Our team helps homeowners and business owners navigate wildfire claims to secure the best possible settlement.

Wildfire Damage and Insurance Challenges

Fire damage is often more intricate than it appears, with effects that extend beyond visible destruction. These may include:

Full or partial burn to your home or property: Both partial and extensive burns can weaken a property's structure and affect its overall stability.
Smoke damage: Smoke damage can be widespread and difficult to detect, causing odors, stains, and possible health risks in affected buildings.
Water damage: Wildfires can harm pipes and wells, leading to possible contamination of the water supply.
Wind damage: Strong winds from wildfires not only intensify smoke infiltration but can also cause fallen trees, debris damage, and structural problems.

Wildfires can cause extensive damage, making it essential to understand your insurance policies. Each policy has unique coverage details, which can make it challenging to determine what is eligible for a claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This section of your policy covers damage to your home, including areas beneath the main floor. The specified amount is the maximum compensation for a total loss caused by fire.

Coverage B: Additional Structures

This coverage includes all other structures near the main home, such as nearby buildings, fences, landscaping, driveways, pools, pool decks, walkways, and more.

Coverage C: Personal Belongings

This coverage includes any damage or loss to your personal belongings, such as items owned or used by your family that were inside the home during the fire.

Coverage D: Living Costs

This coverage helps reimburse living expenses if you are unable to stay in your property due to damage or loss. The amount of coverage depends on the policy limits.

How Excel Adjusters Can Help

After experiencing wildfire damage, it's essential to have a public adjuster to help secure the best compensation for your insurance claim. At Excel Adjusters, our licensed adjusters handle the entire process for you. We specialize in advocating for property owners, negotiating with insurance companies on your behalf. Our goal is to work diligently to ensure a fair and just settlement for wildfire damage.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We have strong connections with third-party hygienists and other experts who can support your insurance claim. These independent experts provide unbiased samples, evidence, and analysis, ensuring neutrality rather than favoring the insurance company.

With the assistance of these experts, we can accurately assess the full extent of the damage to your property.

Documenting Visible and Unseen Damage

After conducting a thorough evaluation of the property, we’ll document all wildfire damage to support your insurance claim. This includes hidden damage, as we bring in the right experts to identify issues that may be overlooked by you or your insurance company.

Claims Strategy Development

We carefully review your insurance fire policies to create the most effective claims strategy. Our in-depth understanding of how your policy addresses wildfire risks and damage helps us maximize claims based on your specific policy and property details.

Providing Full Proof of Loss

Our thorough documentation and in-depth policy knowledge will provide complete proof of loss to your insurance company.

Managing Complex Communications

We handle all communication between you and the insurance company until your case is resolved, ensuring a stress-free experience. Additionally, we will guide you through the entire fire insurance claim process and keep you updated on our progress.

Negotiation for The Maximum Settlement

We offer exceptional negotiation with insurance companies to ensure fair and just settlements. Our expertise allows us to represent you fully, securing the best possible settlements for wildfire damage.

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?

The initial step in filing a wildfire insurance claim is to reach out to a public adjuster and an independent hygienist to assess your property and document any damage. This ensures you have the strongest proof of loss when filing your claim. It’s important to act quickly and document the damage as soon as possible.

Does insurance cover power surge damage?

If a wildfire caused the power surge, and you can provide evidence, your homeowners’ insurance might cover the damage.

How do insurance companies deal with wildfire claims?

The handling of wildfire claims by your insurance company will depend on your specific policy. However, they will likely inspect your property before approving any repairs, rebuilds, or smoke damage 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 is their loyalty. Insurance companies assign an independent adjuster to manage your claim, which may benefit them. A public adjuster, however, is hired by you to represent your interests.

What is the cost of a public adjuster?

Public adjusters usually take a percentage of the settlement, motivating 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 Costa Mesa