Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a wildfire, it can be challenging to identify all property damage and file an effective insurance claim. When emotions run high, wildfire damage can cause visible and unseen issues from smoke, soot, ash, and water.

A public insurance adjuster is needed whether you face smoke damage, total fire loss, or partial fire loss. They are experts in wildfire claims and have considerable experience representing property owners and renters.

Excel Adjusters has handled more than 2,200 property damage claims since 1997. With over 24 years of experience, we are experts in understanding your insurance policy. We take on the task of handling wildfire insurance claims for homeowners and business owners to ensure they receive a fair and reasonable settlement.

Wildfire Damage and Insurance Challenges

Fire behavior can be unpredictable, causing damage beyond what is visible. This includes:

Full or partial burn to your home or property: Partial and significant burns can weaken the structure and affect the property's stability.
Smoke damage: Smoke damage penetrates structures, leaving behind stubborn stains, odors, and health concerns.
Water damage: Fire damage to pipes and wells can lead to the risk of water contamination.
Wind damage: Powerful winds during wildfires can increase smoke infiltration and result in fallen trees, debris damage, and structural risks.

Since wildland fires can cause severe damage, it's important to be familiar with your insurance policy. The specifics of coverage for large fires vary by policy, complicating the claims process.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Eagle Rock

Coverage A: Main Home or Dwelling

This part of your policy covers damage to your home, including beneath the main floor. The specified amount is the highest payout if there is a total loss due to fire.

Coverage B: Additional Structures

All other structures located around the main home are covered, including buildings, fences, landscaping, concrete driveways, pools, pool decks, and different walkways.

Coverage C: Personal Belongings

Coverage extends to personal items damaged or lost in the fire, including those owned or used by your family inside the home.

Coverage D: Living Costs

This policy assists with living expenses if you're unable to live in your property due to damage or loss. The amount covered varies with policy limits.

How Excel Adjusters Can Help

Hiring a public adjuster helps you secure the best possible insurance claim settlement for wildfire damage. Excel Adjusters’ team of licensed public insurance adjusters manages your claim completely. We negotiate with insurers and advocate for you as a property owner. We strive to ensure you receive a fair payout for your wildfire damage claim.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our network includes third-party hygienists and other professionals who can bolster your insurance claim. It’s important to remember that the insurance adjuster will likely take the company’s side. Bringing in independent insurance professionals is vital. They provide unbiased samples and evidence, ensuring their analysis is not swayed by the insurance company.

Using these experts, we will get a precise understanding of the damage to your property.

Documenting Visible and Unseen Damage

Once we perform a thorough property evaluation, we will accurately document the wildfire damage for your insurance claim. We utilize specialized experts to identify hidden damage you or your insurance company might overlook.

Claims Strategy Development

We assess your personal insurance fire policies to create a strong claims strategy. Our comprehensive knowledge of wildfire coverage allows us to increase your claim.

Providing Full Proof of Loss

Our in-depth documentation of evidence and policy knowledge allows us to submit complete proof of loss to your insurance company.

Managing Complex Communications

We manage all communications between the policyholder and the insurance company, ensuring the experience is as stress-free as possible until the case is resolved. We guide you through the fire insurance claim process while keeping you updated on every development.

Negotiation for The Fair and Reasonable Settlement

We provide top-tier negotiation with insurers to secure fair and just settlements, using our expertise to achieve the best possible outcome for wildfire damage.

Our Step-By-Step Process

Determining Safety Concerns
Reviewing Your Insurance Claim
Assessing and Analyzing Damage
Creating a Recovery Approach
Negotiating on Your Behalf for Insurance Claims
Increasing and Finalizing Your Benefit

Wildfire Insurance Claims FAQ

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

Begin filing a wildfire insurance claim in Eagle Rock by hiring a public adjuster and independent Hygienist to document the damages. This documentation provides the necessary proof of loss for your claim. Time is important, so ensure all damage is recorded promptly.

Does insurance cover power surge damage?

If evidence shows that a wildfire caused the power surge, homeowners’ insurance might cover the damage.

How do insurance companies in Eagle Rock deal with wildfire claims?

How your insurance company deals with wildfire claims will depend on your policy, but you can generally expect them to inspect your property before agreeing to any repairs, rebuilding, or smoke remediation.

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

The significant contrast between a public adjuster for fire claims and an insurance adjuster is who they prioritize. Independent adjusters hired by insurance companies usually aim to benefit the insurer. On the other hand, a public adjuster is someone you contract to advocate for your claims.

What is the cost of a public adjuster?

Public adjusters are often paid a percentage of the settlement, motivating them to achieve 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 Eagle Rock