Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Following a wildfire, identifying all property damage, and filing a claim can be challenging. With emotions likely running high, wildfire damage can result in both obvious and unseen problems from smoke, soot, ash, and water.

You’ll need a public insurance adjuster for smoke damage, total fire loss, or partial fire loss. These experts in wildfire claims have years of experience helping property owners and renters.

Excel Adjusters has handled over 2,200 property damage claims since 1997. With 24 years of experience, we understand the ins and outs of your insurance policy. We take care of wildfire insurance claims for homeowners and business owners, ensuring the best possible settlement outcome.

Wildfire Damage and Insurance Challenges

Fires behave in complicated ways, often causing damage that can't be seen right away. This includes:

Full or partial burn to your home or property: Both partial and large burns can cause structural damage, impacting the property's integrity.
Smoke damage: Widespread smoke damage causes odors, staining, and health hazards that affect buildings and their occupants.
Water damage: Wildfires can lead to damage to wells and pipes, resulting in potential water contamination.
Wind damage: Along with worsening smoke infiltration, wildfire winds can cause downed trees, debris impact, and structural damage.

Understanding your insurance policy is vital due to the extensive damage wildland fires can cause. Coverage nuances for large fires differ between policies, complicating what you can claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Northridge

Coverage A: Main Home or Dwelling

This section of your policy covers all damage, including losses under the main floor. The amount specified is a fair and reasonable payout in case of a total loss due to fire.

Coverage B: Additional Structures

This policy covers all structures around the main dwelling, such as nearby buildings, fences, landscaping, concrete driveways, pools, pool decks, and walkways.

Coverage C: Personal Belongings

Damage or loss to personal items, including belongings owned or used by your family inside the home during the fire, is included in this coverage.

Coverage D: Living Costs

This policy helps with the costs of living elsewhere when your home is uninhabitable due to damage or loss. Coverage levels vary by policy limits.

How Excel Adjusters Can Help

After wildfire damage, working with a public adjuster helps increase your compensation from the insurance claim. With Excel Adjusters, our licensed public insurance adjusters manage the full claims process and represent property owners in negotiations with insurance companies. We are committed to working hard to ensure a fair payout for your wildfire damage claim.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We collaborate with skilled third-party hygienists and other professionals to support your insurance claim. The insurance company's adjuster will likely support their side. Using independent insurance professionals is important. Their evidence and analysis are neutral, providing an objective view rather than supporting the insurance company.

Their help will ensure a precise assessment of the damage to your property.

Documenting Visible and Unseen Damage

Once we complete a thorough evaluation, we will carefully record the wildfire damage to back up your insurance claim. This involves locating unseen damage through the expertise of professionals who can detect what you or your insurance company might miss.

Claims Strategy Development

We evaluate your fire insurance policies to develop a successful claims strategy. Our thorough understanding of how your policy handles wildfire risk allows us to increase your fair and reasonable claim.

Providing Full Proof of Loss

Our well-documented evidence and policy understanding allow us to present complete proof of loss to your insurance company.

Managing Complex Communications

Our experts take charge of all communication with the insurance company, ensuring the policyholder has a smooth and stress-free experience until the case is settled. We will be there to guide you through the fire insurance claim process and update you regularly on our progress.

Negotiation for The Fair and Reasonable Settlement

We provide exceptional negotiation with insurers, ensuring fair settlements and using our expertise to get the best possible outcome for wildfire damage claims.

Our Step-By-Step Process

Recognizing Safety Issues
Understanding Your Insurance Coverage
Evaluating and Measuring Damage
Creating a Plan for Recovery
Representing You in Insurance Claim Settlements
Securing and Increasing Your Benefit

Wildfire Insurance Claims FAQ

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

The first step to take when filing a wildfire insurance claim in Northridge is to bring in a public adjuster and independent Hygienist to document damages. This documentation serves as proof of loss for your claim. Acting swiftly is key, so make sure to document the damage right away.

Does insurance cover power surge damage?

Your insurance might cover damages from a power surge if a wildfire is proven to be the cause.

How do insurance companies in Northridge deal with wildfire claims?

Wildfire claims processing by your insurance company will depend on your policy, but they will generally inspect the property before agreeing to repairs, rebuilding, or dealing with smoke damage.

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

The core contrast between a fire claims public adjuster and an insurance adjuster is their primary objective. Independent adjusters working for insurance companies usually act in favor of the insurer. On the contrary, a public adjuster is retained by you to work on your behalf.

What is the cost of a public adjuster?

Public adjusters usually receive a share of the settlement, which motivates them to get you the best possible results.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Northridge