Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Following a wildfire, it can be hard to assess property damage and file an insurance claim successfully. Emotions are probably heightened, and wildfire damage may result in obvious and hidden problems from smoke, soot, ash, and water.

Whether it’s smoke damage, or total, or partial fire loss, a public insurance adjuster is necessary. These professionals specialize in wildfire claims and have plenty of experience working with property owners and renters.

Excel Adjusters has settled over 2,200 property damage claims since 1997. With 24 years of experience handling property claims, we are highly knowledgeable about insurance policies. We manage wildfire insurance claims for homeowners and business owners, focusing on securing the best possible settlement.

Wildfire Damage and Insurance Challenges

The nature of fire behavior is complex, causing damage that may not be immediately noticeable. This includes:

Full or partial burn to your home or property: Substantial and partial burns can damage the structure, weakening the integrity of the property.
Smoke damage: Smoke damage is persistent and hard to eliminate, infiltrating buildings and causing stains, odors, and potential health risks.
Water damage: Damage to water systems, such as pipes and wells, from wildfires can result in water contamination.
Wind damage: Besides intensifying smoke infiltration, wildfire winds can lead to fallen trees, debris impacts, and structural problems.

The potential for major damage from wildland fires makes it vital to understand your insurance policy. Policies differ in their coverage of large fires, complicating the claims process.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Los Feliz

Coverage A: Main Home or Dwelling

This portion of your policy includes coverage for damage to your home, including areas below the main floor. The stated amount is fair and reasonable and available if the property is lost in a fire.

Coverage B: Additional Structures

This coverage applies to structures surrounding the main home, including nearby buildings, fencing, landscaping, concrete driveways, pools, pool decks, and walkways.

Coverage C: Personal Belongings

Damage or loss to personal belongings, including items your family-owned or used that were inside the home during the fire, is covered.

Coverage D: Living Costs

This coverage reimburses living expenses if your home is not livable due to damage or loss. The reimbursement amount is based on the policy limits.

How Excel Adjusters Can Help

To achieve fair and reasonable compensation for your wildfire damage, working with a public adjuster is important. At Excel Adjusters, our licensed public insurance adjusters manage the full claims process and negotiate with insurance companies on your behalf. We dedicate ourselves to securing a fair payout for damage caused by wildfires.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We work with third-party hygienists and specialists who can help enhance your insurance claim. The insurance company’s adjuster will probably side with their interests. It is important to involve independent insurance professionals. Their evidence, samples, and analysis will be unbiased and not favor the insurance company.

With expert help, we will accurately determine the damage extent to your property.

Documenting Visible and Unseen Damage

Following a detailed assessment of the property, we will provide complete documentation of wildfire damage to support your claim. We bring in the right experts to uncover hidden damage that may be missed by you or your insurance company.

Claims Strategy Development

We scrutinize your fire insurance policies to craft the most effective claims strategy. Our insight into your policy’s approach to wildfire risk lets us increase your claim.

Providing Full Proof of Loss

Our well-documented evidence and strong policy understanding enable us to present full proof of loss to your insurance company.

Managing Complex Communications

We handle every interaction between the policyholder and the insurance company, focusing on making the process as smooth and stress-free as possible. We will be with you throughout the fire insurance claim process, providing regular updates on how things are going.

Negotiation for The Fair and Reasonable Settlement

We use our knowledge to negotiate effectively with insurance companies, representing you to secure the best possible outcome for wildfire damage settlements.

Our Step-By-Step Process

Recognizing Safety Issues
Understanding Your Insurance Policy
Assessing and Evaluating Damage
Planning Your Recovery
Representing You in Insurance Claim Negotiations
Finalizing and Increasing Your Benefit

Wildfire Insurance Claims FAQ

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

The initial action in filing a wildfire insurance claim in Los Feliz is to hire a public adjuster and independent Hygienist to assess and document the damage. This documentation is essential for providing proof of loss. Remember, time is a significant factor, and documenting the damage should be done right away.

Does insurance cover power surge damage?

If it’s demonstrated that a wildfire was responsible for the power surge, homeowners’ insurance may cover the damage.

How do insurance companies in Los Feliz deal with wildfire claims?

The process your insurance follows for wildfire claims depends on your policy, but they will usually inspect your property before approving repairs, rebuilding, or smoke damage remediation.

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

The fundamental distinction between a public adjuster for fire claims and an insurance adjuster is their loyalty. Independent adjusters, appointed by insurance companies, are often inclined to favor the insurer. A public adjuster is someone you employ to work for your benefit.

What is the cost of a public adjuster?

Public adjusters typically earn a percentage of the settlement, which incentivizes them to work towards the highest compensation.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Los Feliz