Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Wildfire recovery often involves navigating the difficult task of documenting property damage and submitting an insurance claim. Hidden effects from smoke, ash, soot, and water can complicate an already emotional situation.

For issues like smoke damage, partial fire loss, or a total fire loss, a public adjuster is invaluable. They are highly experienced in wildfire insurance claims and committed to helping property owners and renters navigate the process.

Excel Adjusters has been serving property owners since 1997, successfully settling more than 2,200 claims. Our 24 years of expertise enable us to expertly navigate the details of insurance policies. We represent homeowners and business owners to ease the burden of wildfire claims and secure the highest possible settlement.

Wildfire Damage and Insurance Challenges

The complexity of fire behavior often results in damage that is not immediately apparent. This can consist of:

Full or partial burn to your home or property: Partial and major burns often result in structural damage, reducing the stability of the property.
Smoke damage: The lingering effects of smoke damage include unpleasant odors, surface stains, and potential health hazards, making it a serious issue.
Water damage: Pipes and wells damaged by wildfires may lead to water contamination and other associated problems.
Wind damage: Along with intensifying smoke infiltration, wildfire winds can contribute to fallen trees, debris damage, and structural instability.

Each wildfire has the potential to cause significant damage, emphasizing the need to understand your insurance policy. Different policies have specific terms and intricate details, making claims challenging to navigate.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This portion of the policy covers all damage to your home, including any below the main floor. The specified amount is the maximum entitlement if a fire leads to a total loss.

Coverage B: Additional Structures

This portion of the policy covers other structures in the vicinity of the main home, such as buildings, fences, landscaping, concrete driveways, pools, and walkways.

Coverage C: Personal Belongings

Coverage is provided for the loss or damage to your personal belongings, including items that were in the home at the time of the fire and owned by your family.

Coverage D: Living Costs

If you cannot live in your home due to damage or loss, this coverage reimburses any incurred living expenses. The coverage amount is determined by the policy limits.

How Excel Adjusters Can Help

After wildfire damage, a public adjuster is necessary to help you get the best compensation for your claim. Our licensed adjusters at Excel Adjusters will manage the process from start to finish. We act as advocates for property owners, handling negotiations with insurance companies on your behalf. Our focus is on securing a fair and just settlement for the damage caused by the wildfire.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our connections with third-party hygienists and experts can help strengthen your insurance claim. These independent professionals ensure neutrality by providing unbiased evidence and analysis, unlike those favoring the insurance company.

By working with these professionals, we can determine the exact extent of the damage to your property.

Documenting Visible and Unseen Damage

We’ll assess the property in-depth and document the full extent of wildfire damage to support your insurance claim. By bringing in the right experts, we can uncover hidden damage that may be missed by you or your insurer.

Claims Strategy Development

We thoroughly examine your insurance fire policies to develop the most effective claims approach. This comprehensive knowledge of how your policy covers wildfire damage helps us maximize your claim based on the details of your property and policy.

Providing Full Proof of Loss

By documenting everything thoroughly and applying our policy knowledge, we will present full proof of loss to your insurance company.

Managing Complex Communications

We oversee all communication with the insurance company until your case is resolved, minimizing your stress. Additionally, we’ll guide you through the entire fire insurance claim process and keep you updated on how things are progressing.

Negotiation for The Maximum Settlement

Our negotiation with insurance companies ensures fair and just settlements for your claim. With our expertise, we work to get you the best possible outcome for wildfire damage.

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 first step in making a wildfire insurance claim is to reach out to a public adjuster and an independent hygienist to evaluate and document the damage. This provides crucial proof of loss for your claim. It’s important to act fast and ensure the damage is documented promptly.

Does insurance cover power surge damage?

If you can show that a wildfire caused the power surge, your homeowners’ insurance may cover the damage.

How do insurance companies deal with wildfire claims?

The treatment of wildfire claims by your insurance company is based on the terms of your policy. In most cases, they will inspect your property before agreeing to repair, rebuild, or address smoke damage.

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

The main contrast between a fire claims public adjuster and an insurance adjuster is their focus. Insurance companies appoint an independent adjuster who may prioritize their own interests. A public adjuster is hired by you to represent your interests and ensure fair treatment.

What is the cost of a public adjuster?

Public adjusters usually earn a percentage of the settlement, which encourages them to work hard for 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 Palos Verdes