Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a wildfire, it’s easy to miss some of the damage to your property, making it harder to file a successful insurance claim. Emotions often run high, and the aftermath can involve damage from smoke, soot, ash, and even water, both visible and hidden.

If you’ve experienced smoke damage, partial fire loss, or total fire loss in Newport Beach, a public adjuster is essential. These experts have extensive experience with wildfire claims and can represent property owners and renters like you.

Excel Adjusters has successfully settled more than 2,200 property damage claims since 1997. With over 24 years of expertise, we know how to navigate your insurance policy and handle all aspects of the wildfire claim process, helping homeowners and business owners secure the maximum possible settlement.

Wildfire Damage and Insurance Challenges

Fire behaves in a way that can result in damage that isn’t always visible to the eye. This often involves:

Burn damage: Fires can burn parts of your home, which compromises the structural integrity. Even partial burns can create dangerous situations and may require substantial rebuilding to restore your home.
Smoke damage: Smoke is particularly damaging, as it can spread throughout the building, causing odors, stains, and health risks that often go unnoticed until it’s too late.
Water damage: Wildfires often damage essential water infrastructure, such as pipes and wells, which can lead to water contamination. The resulting water damage can have far-reaching consequences for both health and property.
Wind damage: Wind speeds during a wildfire can cause debris to strike your home and trees to fall, resulting in more damage to your property. These winds also contribute to worsening smoke infiltration, making it harder to manage the overall damage.

Wildland fires can cause significant damage, making it important to fully understand the specifics of your insurance coverage in Newport Beach. Insurance policies differ in their coverage details, especially for large fires, which can leave you uncertain about what you’re eligible to claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This section covers all damage to your home, including the main structure and any lower levels or basement areas. If a total loss occurs due to fire, this amount represents the maximum payout available.

Coverage B: Additional Structures

Covers structures that are separate from the main home, including things like garages, sheds, fencing, pools, and walkways. These are considered additional structures and are separately covered under the policy.

Coverage C: Personal Belongings

Reimburses you for personal items lost or damaged in a fire, including furniture, clothing, electronics, and more. This applies to belongings inside the home at the time of the incident.

Coverage D: Living Costs

If your home is damaged and you can no longer live in it, this coverage reimburses you for living expenses, such as hotel stays and temporary housing. The reimbursement will depend on your policy's set limits.

How Excel Adjusters Can Help

Dealing with wildfire damage is challenging, but a public adjuster can help you get the compensation you deserve. At Excel Adjusters, our licensed adjusters manage your entire claim process. As strong advocates for property owners, we negotiate with insurance companies to ensure a fair and equitable settlement for wildfire damage.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We are well-connected with professional third-party hygienists and other experts who can assist in bolstering your insurance claim. The involvement of independent specialists is crucial, as their samples, evidence, and analysis are unbiased, offering neutral insights that are not aligned with the insurance company’s perspective.

With their support, we will accurately determine the total damage to your property.

Documenting Visible and Hidden Damage

We provide a thorough property assessment in Newport Beach to document both visible and unseen wildfire damage. Our team uses specialized knowledge to detect hidden damage that may otherwise go unnoticed, ensuring that your claim is as complete as possible.

Claims Strategy Development

We review your insurance policies related to fire and wildfire damage to create a tailored strategy that maximizes your claim. This comprehensive understanding of your policy’s provisions allows us to leverage all available benefits based on your property’s specific needs.

Providing Complete Proof of Loss

Through detailed documentation and expert policy interpretation, we supply your insurance company with full proof of loss, ensuring that every damage aspect is addressed and supported by evidence.

Managing Complex Communications

We manage all communication with your insurance provider, removing the stress of the claims process. Our team will guide you through each step, ensuring you are kept informed and involved.

Negotiating for the Best Settlement

With our deep knowledge of insurance claims, we negotiate assertively to secure the highest possible settlement for your wildfire damage. Our goal is to achieve the fairest compensation for all of your losses.

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 initial step in filing a wildfire insurance claim is to reach out to a public adjuster and an independent hygienist to assess your property and record the damages. This documentation serves as the strongest evidence of loss when you submit your claim in Newport Beach. Remember, acting quickly is crucial—be sure to document the damage as soon as possible.

Does insurance cover power surge damage?

When a wildfire causes a power surge, and you have the evidence to back it up, your homeowners’ insurance could potentially cover the damages.

How do insurance companies deal with wildfire claims?

Insurance companies handle wildfire claims according to your policy details. Generally, you can expect them to perform a property inspection before they approve rebuilding, repairs, or addressing 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 lies in their loyalty. Insurance companies appoint adjusters to handle claims, but these adjusters often work to protect the insurance company’s interests. In contrast, a public adjuster is hired by you to advocate for your best interests throughout the claims process.

What is the cost of a public adjuster?

Public adjusters typically earn a set percentage of the settlement, which motivates them to negotiate the highest possible payout 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 Newport Beach