Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

In the aftermath of a wildfire, it can be overwhelming to identify all the damage to your property and file an accurate insurance claim. With emotions running high, the consequences of a fire—such as smoke, soot, ash, and water damage—can be both visible and hidden.

If you’re dealing with smoke damage, total or partial fire loss in Fremont, a public adjuster is crucial. These experts have deep knowledge of wildfire claims and extensive experience in advocating for property owners and renters just like you.

At Excel Adjusters, we’ve successfully settled over 2,200 property damage claims since 1997. With more than 24 years of expertise, we know the ins and outs of your insurance policy. We handle the complexities of wildfire claims, ensuring that both homeowners and business owners receive the maximum settlement.

Wildfire Damage and Insurance Challenges

Because fire behaves unpredictably, the damage it causes often goes beyond what appears at first glance. This can include:

Burn damage: Full or partial burns to your home can severely impact its structural integrity, making it unsafe and requiring major repairs to restore the building’s strength.
Smoke damage: Smoke can be extremely harmful, with its ability to penetrate every corner of a property. It can leave stubborn stains, cause lingering smells, and create health hazards, especially for those with respiratory conditions.
Water damage: Wildfires can damage water supply systems like pipes and wells, potentially causing water contamination. The resulting water damage can disrupt daily life and create long-term property issues.
Wind damage: The strong winds associated with wildfires can knock over trees, spread debris, and cause damage to roofs, windows, and other parts of your home, adding to the already serious fire and smoke damage.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This coverage protects the structure of your home, including everything from the main floor down to the foundation. It’s the maximum amount you can receive if your home is completely destroyed by a covered peril, such as a fire.

Coverage B: Additional Structures

This covers all other buildings on your property, including detached garages, fences, walkways, and landscaping elements like pools or patios. Any structures that aren’t part of the main dwelling are covered under this part of the policy.

Coverage C: Personal Belongings

Covers the personal property inside your home, such as clothes, appliances, and furniture, against damage or loss due to fire or other covered events.

Coverage D: Living Costs

If your home is damaged to the point that it is no longer habitable, this section of your policy covers temporary living expenses, such as renting a place to stay, food, and other necessary costs. The amount is subject to policy limits.

How Excel Adjusters Can Help

Following wildfire damage, it’s vital to have a public adjuster on your side to help maximize your insurance claim. At Excel Adjusters, our licensed public adjusters guide you through the entire process. We serve as expert advocates, negotiating directly with insurers to ensure you get the fair compensation you deserve for wildfire damage.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our network includes reputable third-party hygienists and other experts who can strengthen your insurance claim. These independent professionals are crucial, as the evidence they collect and their analysis will be neutral, not swayed by the insurance company’s interests.

Together, we will determine the full scope of damage to your property.

Documenting Visible and Hidden Damage

After conducting a thorough inspection of your property in Fremont, we meticulously document every aspect of wildfire damage, including any hidden damages that may not be immediately visible. Our experts ensure that even the most subtle damage is identified and included in your claim.

Claims Strategy Development

We carefully review your insurance policies related to fire damage, using this insight to create an effective claims strategy. Our understanding of how your policy addresses wildfire damage helps us maximize your claim by aligning it with policy specifics and property details.

Providing Complete Proof of Loss

By compiling thorough documentation of all damages and leveraging our expertise in policy interpretation, we present your insurance company with a complete proof of loss that covers all aspects of your wildfire damage.

Managing Complex Communications

Throughout the claims process, we take on the responsibility of communicating with your insurance company, ensuring that the process is smooth and stress-free for you. We keep you updated on the progress of your claim at every stage.

Negotiating for the Best Settlement

We use our extensive knowledge to negotiate with your insurance company for the most favorable settlement possible. Our goal is to ensure you receive the maximum compensation for the wildfire damage to your property.

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?

When filing a wildfire insurance claim, the first step is to engage a public adjuster and an independent hygienist to evaluate and record the damage to your property. This will provide you with the best proof of loss for your claim in Fremont. It’s important to act quickly, as documenting the damage right away is crucial.

Does insurance cover power surge damage?

If you can demonstrate that a power surge was caused by a wildfire, your homeowners’ insurance may offer coverage for the damage, provided there is sufficient evidence.

How do insurance companies deal with wildfire claims?

The way your insurance handles wildfire claims is determined by your specific policy. Usually, they will need to 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?

A fire claims public adjuster and an insurance adjuster differ in who they represent. Insurance adjusters are employed by the insurance company, which means their assessments might prioritize the insurer’s interests. In contrast, a public adjuster is someone you hire to fight for your rights and ensure the best outcome for your claim.

What is the cost of a public adjuster?

Because public adjusters charge a percentage of the settlement, they are driven to work hard to maximize your claim results.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Fremont