Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Following a severe wildfire, pinpointing all property damage and filing a comprehensive insurance claim can be challenging. The emotional toll combined with the visible and hidden effects of smoke, soot, ash, and water makes the process even more complex.

Whether dealing with smoke damage, a total loss, or a partial fire loss, you need a public adjuster. These specialists are skilled in handling wildfire insurance claims and have a wealth of experience working with property owners and renters like yourself.

Excel Adjusters, a public adjusting firm with over 24 years of experience, has successfully resolved more than 2,200 property damage claims since 1997. We expertly navigate the complexities of your insurance policy and handle wildfire insurance claims, advocating for homeowners and business owners to secure fair and reasonable esttlement.

Wildfire Damage and Insurance Challenges

Fire behavior is intricate, resulting in damage that may not be immediately visible. This can include:

Complete or partial burning of your property: Extensive or partial burns can lead to structural damage and compromise the overall safety of your property.
Smoke-related damage: Smoke can be deeply damaging and widespread, seeping into buildings and leaving behind unpleasant odors, staining, and possible health risks.
Impact of water damage: Wildfires can disrupt plumbing systems and wells, resulting in water damage that may be contaminated.
Effects of wind damage: Wildfire-induced winds can intensify smoke infiltration and cause issues such as fallen trees, debris impacts, and damage to structures.

Given the extensive damage that wildland fires can inflict, it’s essential to understand your insurance policy thoroughly. Each policy has unique coverage details and nuances related to large fires, making it challenging to determine what you can claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This section of your policy covers all types of damage to your home, including losses below the main floor. The specified amount indicates the fairest and reasonable coverage available in case of a total loss from a fire.

Coverage B: Additional Structures

Coverage extends to all structures surrounding the main home, including nearby buildings, fencing, landscaping, concrete driveways, pools, pool decks, various walkways, and more.

Coverage C: Personal Belongings

This coverage includes any damage to or loss of personal belongings, encompassing items owned or used by your family that were inside the home when the fire occurred.

Coverage D: Living Costs

This coverage helps reimburse living expenses incurred when you are unable to reside in your property due to damage or loss. The extent of coverage depends on the limits outlined in your policy.

How Excel Adjusters Can Help

After experiencing wildfire damage, it's essential to have a public adjuster to help you receive a fair and reasonable insurance claim compensation. At Excel Adjusters in Orange County, our licensed public adjusters handle every aspect of the claims process for you. As skilled advocates for property owners, we negotiate directly with insurance companies to ensure you receive a fair and equitable settlement for your wildfire damage.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We collaborate with highly qualified third-party hygienists and other specialists necessary to strengthen your insurance claim. Engaging independent experts is vital, as their sample collection, evidence gathering, and analysis provide unbiased, neutral assessments, not influenced by the insurance company.

With the assistance of these experts, we will precisely assess the full extent of the damage to your property in Orange County.

Documenting Visible and Unseen Damage

Following a comprehensive evaluation of your property, we will meticulously document the extent of wildfire damage to bolster your insurance claims. This process includes identifying hidden damage with the help of expert professionals, ensuring that no issues are overlooked by you or your insurance company.

Claims Strategy Development

We carefully analyze your personal insurance fire policies to formulate the most effective claims strategy. By thoroughly understanding how your policy addresses wildfire risk and damage, we can optimize your insurance claim based on the specifics of both your policy and property.

Providing Full Proof of Loss

With our extensive evidence documentation and detailed understanding of your policy, we can deliver a complete proof of loss to your insurance company, ensuring all aspects are fully covered.

Managing Complex Communications

We take responsibility for all communications with the insurance company until your claim is settled, working to reduce your stress. Furthermore, we will assist you through each phase of the fire insurance claim process and regularly update you on our progress.

Negotiation for Fair and Reasonable Settlement

We offer exceptional negotiation skills with insurance companies to ensure fair and equitable settlements. Our expertise allows us to advocate on your behalf effectively, aiming to secure the most favorable settlements for wildfire damage.

Get in touch now for expert guidance on your claim

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 & Helping You Achieve Fair and Reasonable 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 engage a public adjuster and an independent hygienist to assess your property and record all damages. This documentation provides strong proof of loss for your claim. It’s important to act quickly and document the damage as soon as possible.

Does insurance cover power surge damage?

If you can substantiate with proof that the power surge was caused by a wildfire, your homeowners’ insurance could potentially cover the damage.

How do insurance companies deal with wildfire claims?

The approach your insurance company takes towards wildfire claims will be influenced by the details of your policy. Usually, they will perform a property inspection before consenting to any repairs, rebuilding efforts, or smoke damage remediation.

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 interests. Insurance companies assign independent adjusters who may favor the company’s interests, potentially impacting the claim’s outcome. Conversely, a public adjuster is hired by you to advocate for your best interests.

What is the cost of a public adjuster in Orange County?

Public adjusters usually work on a fee structure based on a percentage of the settlement, which motivates them to achieve a fair and reasonable outcome for your claim.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Orange County