Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Following a wildfire, assessing all the damage to your property and submitting an effective insurance claim can be challenging. With emotions running high, wildfire damage can leave both visible and hidden issues, such as smoke, soot, ash, and water damage.

If you’re facing smoke damage, total fire loss, or partial fire loss in Irvine, you need the help of a public adjuster. These professionals specialize in wildfire claims and have years of experience representing property owners and renters.

Excel Adjusters has been handling property damage claims for over 24 years, with over 2,200 successful settlements since 1997. We understand the ins and outs of your insurance policy and will manage the complex process of wildfire claims, working to ensure you receive the maximum settlement, whether you’re a homeowner or a business owner.

Wildfire Damage and Insurance Challenges

Due to the complexity of fire behavior, the damage caused can be far more extensive than what you can see on the surface. This may include:

Burns to the structure: Whether the damage is full or partial, burn damage can significantly affect your home’s foundation and structure, requiring careful repair to restore safety and integrity.
Smoke damage: Smoke damage often goes unnoticed until it becomes a serious issue. It can damage furniture, fabrics, and even your health, leaving behind lingering odors and harmful particles.
Water damage: The destruction of plumbing systems and water supplies during a wildfire can result in contamination. The impact of this water damage can lead to further complications, such as mold and long-term property issues.
Wind damage: Strong winds from a wildfire can lead to additional damage to your property, such as fallen trees, flying debris, and compromised structures, all while making smoke infiltration even worse.

With the vast damage wildland fires can cause, it's vital to comprehend the specifics of your insurance policy in Irvine. Since each policy includes different provisions and details for fire-related coverage, it can be hard to determine what is actually covered.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This coverage protects your home’s structure, including the foundation and any areas beneath the main floor. If your home is completely destroyed in a covered event like a fire, this amount represents the maximum you can claim.

Coverage B: Additional Structures

Protects all additional structures on your property, including garages, fences, pools, walkways, and other outbuildings. These structures are covered separately from your home’s main structure.

Coverage C: Personal Belongings

Covers the contents inside your home, including furniture, electronics, and personal items like clothing or jewelry, if they are damaged or lost due to a fire or other insured event.

Coverage D: Living Costs

If your home is damaged and unlivable, this coverage helps pay for temporary living costs, such as lodging and meals. Coverage is limited based on the terms of your policy.

How Excel Adjusters Can Help

When wildfire damage occurs, a public adjuster is key to ensuring you receive the best possible compensation. At Excel Adjusters, our licensed professionals oversee the entire claims process. We work diligently on behalf of property owners, negotiating with insurance companies to secure a fair settlement for your wildfire damage.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our strong relationships with third-party hygienists and other experts can help reinforce your insurance claim. Having independent professionals involved is vital, as their impartial evaluations, samples, and analyses offer neutral evidence, not influenced by the insurance company.

They will help us properly assess the full extent of your property’s damage.

Documenting Visible and Hidden Damage

After conducting a thorough evaluation of your Irvine property, we ensure that all wildfire damage is documented, both visible and hidden. We utilize expert insights to identify issues that may not be apparent to you or your insurance provider, ensuring nothing is missed in your claim.

Claims Strategy Development

By thoroughly reviewing your insurance fire policies, we create a claims strategy that aligns with your coverage, ensuring the best possible outcome. Our understanding of how your policy addresses wildfire damage enables us to maximize your claim based on your specific property and damage.

Providing Complete Proof of Loss

We use our comprehensive documentation and policy knowledge to provide a complete proof of loss, presenting all evidence necessary to support your claim with your insurance company.

Managing Complex Communications

We handle all communication with your insurance company, making the process easier and less stressful for you. Our team keeps you informed throughout the entire fire insurance claim process.

Negotiating for the Best Settlement

Our team works diligently to negotiate the highest settlement for your wildfire damage, using our expertise to secure the best possible compensation for you.

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 first step in the process of filing a wildfire insurance claim is to hire a public adjuster and an independent hygienist to inspect and document the damage to your property. This evidence will be key when you submit your claim in Irvine. Keep in mind that the quicker you act, the better—make sure to document the damage immediately.

Does insurance cover power surge damage?

If a power surge occurs due to a wildfire and you can substantiate the claim with evidence, your homeowners’ insurance may cover the resulting damage.

How do insurance companies deal with wildfire claims?

How your insurance company processes wildfire claims is determined by the specifics of your policy. An inspection of your property will typically be required before they approve any repairs, rebuilding, or smoke damage remediation.

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 role in the claims process. Insurance adjusters work for the insurance company, which can lead to biased results that favor the insurer. Public adjusters, however, are hired by you to ensure your interests are represented fairly during the claim.

What is the cost of a public adjuster?

The way public adjusters are compensated—by a percentage of the settlement—gives them an incentive to ensure you receive the most favorable results.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Irvine