Name: Excel Adjusters
Rating: 4.9

INSURANCE POLICY EXPERTS. UNMATCHED CLIENT ADVOCACY.

Following a wildfire, it can be challenging to identify all property damage and file a strong insurance claim. Wildfire damage can cause obvious and hidden problems from smoke, soot, ash, and water, especially when emotions are intense.

A public insurance adjuster is vital if you have smoke damage, a total fire loss, or a partial one. These professionals have deep expertise in wildfire claims and frequently represent property owners and renters.

With over 2,200 property damage claims settled since 1997, Excel Adjusters has more than 24 years of experience in property claims and a deep knowledge of insurance policies. We lift the burden of wildfire insurance claims off homeowners and business owners, ensuring they get the best settlement possible.

Wildfire Damage and Insurance Challenges

Fires act in complex ways, leading to damage that isn't obvious at first glance. This can include:

Full or partial burn to your home or property: The structural integrity of a property can be compromised by both partial and severe burns.
Smoke damage: Smoke damage spreads throughout buildings, causing stains, odors, and potential health hazards.
Water damage: Wildfires can harm wells and pipes, potentially leading to contaminated water.
Wind damage: Wildfire winds not only increase smoke infiltration but can also lead to downed trees, debris damage, and structural issues.

Wildland fires can cause major damage, so it’s important to understand the specifics of your insurance policy. Coverage details for large fires differ between policies, complicating the claims process.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Manhattan Beach

Coverage A: Main Home or Dwelling

Damage to your home, including beneath the main floor, is covered under this part of your policy. The stated amount is fair and reasonable and available if there is a total loss due to fire.

Coverage B: Additional Structures

This policy covers surrounding structures, including buildings close to the main home, fences, landscaping, concrete driveways, pools, pool decks, and walkways.

Coverage C: Personal Belongings

This policy covers damage or loss of your personal belongings, including those owned or used by your family and located inside the home during the fire.

Coverage D: Living Costs

This policy assists with living expenses if you cannot stay home because of damage or loss. The coverage provided depends on the policy limits.

How Excel Adjusters Can Help

To ensure you receive the best compensation for wildfire damage, consider hiring a public adjuster. Our team at Excel Adjusters consists of licensed public insurance adjusters who manage your claim from start to finish. We negotiate with insurers and advocate for property owners. We work persistently to obtain a just claim payout for damage from wildfires.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We have access to third-party hygienists and experts who can enhance your insurance claim. It’s prudent to assume that the insurance adjuster will side with the company. Engaging independent insurance professionals is necessary. Their samples, evidence, and analysis are impartial, unlike those of the insurance company.

With the aid of these experts, we will thoroughly determine the level of damage to your property.

Documenting Visible and Unseen Damage

Once we conduct a thorough property review, we will document the extent of wildfire damage to back your insurance claim. This involves finding unseen damage with the help of experts who can detect problems that may be missed by you or your insurance company.

Claims Strategy Development

We evaluate your personal fire insurance policies to develop an effective claims strategy. This in-depth knowledge of your policy’s wildfire coverage helps us achieve the highest possible claim.

Providing Full Proof of Loss

Our thorough evidence collection and policy knowledge equip us to present full proof of loss to your insurance company.

Managing Complex Communications

All communication with the insurance company is managed by us, helping to reduce stress for the policyholder while the case is resolved. We will assist you throughout the fire insurance claim process, keeping you updated on the progress at every stage.

Negotiation for The Fair and Reasonable Settlement

Our negotiation services with insurers are unparalleled, and we use our expertise to ensure you receive a fair and favorable settlement for wildfire damage.

Our Step-By-Step Process

Identifying Risks to Safety
Understanding Your Insurance Claim
Examining and Assessing Damages
Building a Recovery Plan
Advocating for You in Insurance Claim Negotiations
Finalizing and Enhancing Your Settlement

Wildfire Insurance Claims FAQ

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

The first thing to do when filing a wildfire claim in Manhattan Beach is to reach out to a public adjuster and an independent Hygienist to evaluate and document the damage. This documentation provides the strongest proof of loss for your claim. Be aware that time is critical, and documenting the damage should be done right away.

Does insurance cover power surge damage?

Provided there’s proof that a wildfire caused the power surge, your homeowners’ insurance may cover the resulting damage.

How do insurance companies in Manhattan Beach deal with wildfire claims?

How wildfire claims are processed by your insurer varies by policy. However, they will usually conduct an inspection before agreeing to rebuild, repair, or address smoke damage.

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

The significant difference between a fire claims public adjuster and an insurance adjuster is their allegiance. Insurance companies employ independent adjusters who often skew results in their favor. Unlike an insurance adjuster, a public adjuster is hired by you to represent your interests.

What is the cost of a public adjuster?

Typically, public adjusters earn a percentage of the settlement, pushing them to achieve the best possible 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 Manhattan Beach