Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a severe wildfire, pinpointing all the damage to your property and filing a successful insurance claim can be challenging, especially with emotions running high. Wildfire damage can lead to both visible and hidden problems from smoke, soot, ash, and water.

In such situations, a public adjuster is essential, whether you’re dealing with smoke damage, complete fire loss, or partial fire damage. These experts specialize in wildfire insurance claims and bring extensive experience in advocating for property owners and renters like yourself.

Excel Adjusters is a seasoned public adjusting firm with a track record of settling over 2,200 property damage claims since 1997. With more than 24 years of experience in handling property claims, we are well-versed in the intricacies of your insurance policy. We take on the challenge of managing wildfire insurance claims, representing both homeowners and business owners to secure a fair and reasonable settlement.

Wildfire Damage and Insurance Challenges

Fire behavior is intricate and often results in damage that isn't immediately visible. This includes:

Full or partial burn to your home or property: Partial and extensive burns can lead to significant structural damage, weakening the property's overall integrity.
Smoke damage: Smoke damage is often subtle but widespread, penetrating buildings and causing persistent odors, staining, and possible health risks.
Water damage: Wildfires can also harm pipes and wells, leading to potential water contamination issues.
Wind damage: In addition to increasing smoke infiltration, the strong winds that accompany wildfires can cause fallen trees, debris impacts, structural damage, and other related problems.

Given the extensive damage that wildland fires can inflict, it’s essential to thoroughly understand your insurance policy. Each policy has unique coverage specifics and detailed provisions for large fires, making it challenging to determine what is covered and what you can 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 all damage to your home, including any losses below the main floor. The stated amount represents the fairest and reasonable compensation available in the event of a total loss due to fire.

Coverage B: Additional Structures

Coverage extends to all additional structures around the main home or dwelling, including nearby buildings, fences, landscaping, concrete driveways, pools, pool decks, various walkways, and more.

Coverage C: Personal Belongings

Coverage includes damage to or loss of your personal belongings, encompassing items owned or used by your family that were inside the home during the fire.

Coverage D: Living Costs

Provides reimbursement for living expenses incurred if you are unable to stay in your property due to damage or loss. Coverage amounts will vary according to the policy limits.

How Excel Adjusters in Los Angeles Can Help

If you've suffered damage from a wildfire, a public adjuster is essential to securing a fair and reasonable compensation for your insurance claim. At Excel Adjusters in Los Angeles, our licensed public adjusters handle the entire process for you. As skilled advocates for property owners, we negotiate directly with insurance companies to ensure a fair and just settlement for your wildfire damage. We are committed to working diligently to achieve a fair and reasonable outcome for you.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We have strong connections with professional third-party hygienists and other experts essential for strengthening your insurance claim. Engaging independent experts is vital, as their neutral analysis, sample collection, and evidence gathering provide an unbiased perspective, unlike the insurance company's approach.

With their assistance, we will accurately assess the full extent of the damage to your property in Los Angeles.

Documenting Visible and Unseen Damage

Following a comprehensive property assessment, we will meticulously document the wildfire damage to strengthen your insurance claim. This includes hidden damage, as we work with skilled experts to uncover issues that you or your insurance company may overlook.

Claims Strategy Development

We analyze your personal fire insurance policies to craft the most effective claims strategy. By thoroughly understanding how your policy addresses wildfire risks and damages, we can optimize your insurance claims based on the specifics of both your policy and property.

Providing Full Proof of Loss

Our thorough documentation and in-depth policy expertise will enable us to present a comprehensive 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 smooth and stress-free experience. Additionally, we will guide you through every step of the fire insurance claim process, keeping you informed about our progress along the way.

Negotiation for Fair and Reasonable Settlement

We offer exceptional negotiation skills with insurance companies to ensure fair and equitable settlements. Leveraging our expertise, we represent you comprehensively to secure a fair and just 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 Achieve Fair and Reasonable 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 and document the damage to your property. This provides you with the strongest proof of loss for your claim. It’s crucial to act quickly and document the damage as soon as possible.

Does insurance cover power surge damage?

If you can provide evidence that a power surge was caused by a wildfire, your homeowners’ insurance may cover the resulting damage.

How do insurance companies deal with wildfire claims?

How your insurance company handles wildfire claims will vary based on your specific policy. Typically, they will inspect the property before approving any rebuilding, repairs, 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 lies in whose interests they represent. Insurance companies assign an independent adjuster to manage your claim, which can often lead to outcomes that favor the insurer. In contrast, a public adjuster is hired by you to advocate for your interests and ensure you receive a fair settlement.

What is the cost of a public adjuster?

Public adjusters usually take a percentage of the settlement as their fee, which motivates them to secure a fair and reasonable 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 Los Angeles