Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a major wildfire, assessing the full extent of damage to your property and filing a thorough insurance claim can be overwhelming. The emotional stress, along with the damage caused by smoke, soot, ash, and water, complicates the situation.

If you’re facing smoke damage, a complete fire loss, or partial fire damage, a public adjuster is essential. These experts are well-versed in wildfire insurance claims and bring extensive experience in representing both property owners and renters.

Since 1997, Excel Adjusters has settled over 2,200 property damage claims. With more than 24 years of expertise in managing property claims, we understand every detail of your insurance policy. We take on the challenges of wildfire insurance claims, representing both homeowners and business owners to achieve fair and reasonable settlement.

Wildfire Damage and Insurance Challenges

Due to the complexity of fire behavior, damage can occur that is not immediately visible. This includes:

Total or partial fire damage: Significant burns, whether complete or partial, can cause severe structural damage and affect the integrity of your property.
Damage from smoke: Smoke infiltration is subtle and far-reaching, causing persistent odors, discoloration, and potential health concerns.
Damage from wildfire-related water issues: The destruction of pipes and wells due to wildfires can cause contaminated water and related damage.
Damage from wildfire winds: High winds associated with wildfires can exacerbate smoke intrusion and lead to fallen trees, debris, and structural problems.

Wildland fires can cause significant damage, so it’s vital to be well-versed in your insurance policy. Policies vary in their coverage specifics and details for large fires, which can make it difficult to know what claims you can make.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This part of your policy includes coverage for all damage to your home, even to areas beneath the main floor. The specified limit represents the fairest and reasonable payout in the event of a complete loss due to fire.

Coverage B: Additional Structures

This coverage includes all other structures around the primary residence, such as nearby buildings, fences, landscaping, concrete driveways, pools, pool decks, and various walkways.

Coverage C: Personal Belongings

This policy covers the damage or loss of personal belongings, including contents owned or utilized by your family, that were inside your home during the fire.

Coverage D: Living Costs

This benefit covers living expenses you incur if you are unable to stay in your property due to damage or loss. Coverage amounts will vary according to the limits specified in your policy.

How Excel Adjusters Can Help

In the aftermath of wildfire damage, securing fair and reasonable compensation for your insurance claim requires a public adjuster. At Excel Adjusters in Fullerton, our team of licensed public adjusters manages the entire claims process, advocating on your behalf. We work diligently to negotiate with insurance companies and achieve a fair settlement for the damages you’ve sustained.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our network includes professional third-party hygienists and other experts essential for enhancing your insurance claim. Utilizing independent experts is important because their evaluations, sample collection, and evidence analysis are impartial, ensuring they are not swayed by the interests of the insurance company.

By utilizing these specialists, we will accurately evaluate the complete scope of damage to your Fullerton property.

Documenting Visible and Unseen Damage

Once we perform a detailed evaluation of your property, we will systematically document all wildfire-related damage to support your insurance claim. This includes detecting and reporting any concealed damage with the assistance of qualified experts, addressing issues that may be missed by either you or your insurance company.

Claims Strategy Development

We examine your personal insurance fire policies closely to design the most effective approach for your claims. This detailed understanding of how your policy deals with wildfire damage allows us to enhance your insurance claim based on the particular terms of your policy and the specifics of your property.

Providing Full Proof of Loss

By leveraging our detailed evidence documentation and expertise in your insurance policy, we will be able to provide your insurance company with complete and compelling proof of loss.

Managing Complex Communications

Our team manages all interactions with the insurance company on your behalf until the case is settled, ensuring a smooth and stress-free experience for you. We also provide guidance throughout the entire fire insurance claim process and keep you updated on our advancements.

Negotiation for Fair and Reasonable Settlement

Our negotiation with insurance companies is unmatched, focusing on obtaining fair and just settlements for you. Leveraging our extensive knowledge, we represent you fully to achieve a fair and reasonable compensation for wildfire damage.

Get in touch now for expert guidance on your claim

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 & Helping You Receive Fair and Reasonable Benefit Amount

Wildfire Insurance Claims FAQ

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

To start your wildfire insurance claim, first reach out to a public adjuster and an independent hygienist for a thorough evaluation and documentation of your property’s damages. This comprehensive proof of loss is crucial for your claim. Prompt documentation is essential, so address the damage without delay.

Does insurance cover power surge damage?

Should you be able to demonstrate with evidence that the power surge was due to a wildfire, your homeowners’ insurance might include coverage for the damage incurred.

How do insurance companies deal with wildfire claims?

The handling of wildfire claims by your insurance company will be determined by your individual policy. Generally, they will require an inspection of the property before authorizing repairs, reconstruction, or remediation of smoke damage.

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

The main difference between a fire claims public adjuster and an insurance adjuster is their alignment of interests. Insurance companies use independent adjusters, whose findings may favor the insurer. In contrast, a public adjuster is employed by you to represent your interests throughout the claims process.

What is the cost of a public adjuster in Fullerton?

Typically, public adjusters are compensated with a percentage of the final settlement, aligning their interests with achieving fair and reasonable results for your claim.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Fullerton