Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a wildfire, assessing all the damage to your property and submitting a proper insurance claim can be challenging. Emotions may be overwhelming, and the damage from smoke, soot, ash, and water might not always be immediately visible.

Whether you’re dealing with smoke damage, total fire loss, or partial fire loss, a public insurance adjuster is essential. These experts specialize in wildfire insurance claims and have significant experience representing property owners and renters.

Excel Adjusters is a public adjusting firm that has resolved over 2,200 property damage claims since 1997. With over 24 years of experience in handling property claims, we thoroughly understand insurance policies. We take on the stress of managing wildfire insurance claims, representing homeowners and business owners to secure the highest possible settlements.

Wildfire Damage and Insurance Challenges

Fire behavior is complicated, often causing damage that isn't immediately visible. This can include:

Full or partial burn to your home or property: Both partial and significant burns can lead to structural damage and weaken the integrity of the property.
Smoke damage: Smoke damage is subtle yet widespread, seeping into buildings and causing odors, stains, and potential health risks.
Water damage: Wildfires can harm pipes and wells, leading to the risk of contaminated water damage.
Wind damage: Besides increasing smoke infiltration, strong winds from wildfires can cause fallen trees, debris damage, structural problems, and more.

Given the significant damage that wildfires can cause, it's essential to thoroughly understand your insurance policy. Each policy has specific coverage details and complexities related to large fires, which can make it challenging to determine what can be claimed.

If you’re suffering from a homeowner property claim, we can help! Contact Us Today for a Free Consultation.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This section of your policy covers any damage to your home, including losses below the main floor. The specified amount is the maximum you can receive if a total loss from fire occurs.

Coverage B: Additional Structures

This coverage includes all other structures near your main home or dwelling. It encompasses nearby buildings, fences, landscaping, concrete driveways, pools, pool decks, walkways, and more.

Coverage C: Personal Belongings

This coverage protects against damage or loss of your personal belongings. It includes items owned or used by your family in the home during the fire.

Coverage D: Living Costs

This coverage helps reimburse living expenses when you can't stay in your property due to damage or loss. The amount covered will depend on the limits of your policy.

How Excel Adjusters in Malibu Can Help

After experiencing wildfire damage, hiring a public adjuster in Malibu can help secure the best compensation for your insurance claim. At Excel Adjusters, our licensed public insurance adjusters handle the entire claims process on your behalf. We are dedicated advocates for property owners, negotiating with insurance companies on your behalf. Our team will work hard to ensure you receive a fair payout for wildfire damage.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We have strong connections with professional third-party hygienists and other experts who can support your insurance claim. It's wise to consider that the insurance company's adjuster will likely favor their perspective. Bringing in independent insurance professionals is essential during this process. The samples they collect, the evidence they gather, and their analyses will be impartial rather than biased toward the insurance company.

With the assistance of these experts, we will accurately assess the extent of the damage to your property.

Documenting Visible and Unseen Damage

After a comprehensive assessment of the property, we will carefully document the full extent of wildfire damage to support your insurance claims. This includes hidden damage, as we employ the right experts to identify issues that you or your insurance company may overlook.

Claims Strategy Development

We analyze your personal fire insurance policies to create the most effective claims strategy. This thorough understanding of how your policy addresses wildfire risk and damage enables us to optimize your insurance claims based on the specifics of your policy and property.

Providing Full Proof of Loss

Our thorough documentation of evidence and knowledge of your policy will enable us to present complete proof of loss to your insurance company.

Managing Complex Communications

We handle all communications between you and the insurance company until the case is resolved. Our experts strive to make your experience as stress-free as possible. We will also guide you through the entire fire insurance claim process, keeping you informed about our progress.

Negotiation for The Maximum Settlement

We offer exceptional negotiation services with insurance companies to obtain fair settlements. Our expertise allows us to represent you effectively and secure the best possible outcomes for wildfire damage.

Get in touch now for expert guidance on your claim

Our Step-By-Step Process

Recognizing Safety Hazards
Comprehending Your Insurance Claim
Assessing and Evaluating Damages
Developing a Recovery Plan
Negotiating Your Insurance Claim for You
Getting The Policyholder a Fair and Reasonable Settlement

Wildfire Insurance Claims FAQ

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

The initial step in filing a wildfire insurance claim is to reach out to a public adjuster in Malibu and an independent hygienist to assess your property and record any damages. Proper documentation provides the strongest proof of loss for your claim. Keep in mind that acting quickly is important, so make sure to document the damage as soon as possible.

Does insurance cover power surge damage?

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

How do insurance companies deal with wildfire claims?

The way your insurance company handles wildfire claims varies based on your specific policy. However, you can expect them to inspect the property before approving any rebuilding, repairs, or remediation of smoke damage.

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

The key distinction between a fire claims public adjuster and an insurance adjuster is their focus on your best interests. Insurance companies assign an independent adjuster to manage your claim, which may lead to biased outcomes. In contrast, a public adjuster is someone you hire to advocate for you.

What is the cost of a public adjuster?

Public adjusters usually take a percentage of the settlement, which motivates them to achieve the best possible outcomes 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 Malibu