Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Assessing damage and effectively filing an insurance claim can be tough after a wildfire. With emotions running high, wildfire damage can bring obvious and unseen issues from smoke, soot, ash, and water.

For smoke damage, total fire loss, or partial fire loss, a public insurance adjuster is necessary. These experts are highly experienced in handling wildfire claims for property owners and renters.

Excel Adjusters is a public adjusting firm that has settled over 2,200 property damage claims since 1997. With 24 years of experience, we know your insurance policy inside and out. We relieve the stress of managing wildfire insurance claims for homeowners and business owners, working toward the best settlement outcome.

Wildfire Damage and Insurance Challenges

The complexity of fire behavior causes damage that isn't immediately visible. Some examples include:

Full or partial burn to your home or property: Structural damage caused by partial or severe burns can compromise the integrity of the property.
Smoke damage: Smoke damage penetrates buildings, leaving behind persistent odors, staining, and possible health hazards.
Water damage: Wildfires can damage water systems like pipes and wells, potentially leading to contamination.
Wind damage: Powerful winds from wildfires intensify smoke infiltration and contribute to fallen trees, debris damage, and structural issues.

Given the potential severity of damage from wildland fires, it’s important to grasp your insurance policy. Coverage details for large fires can vary, complicating the process of knowing what you can claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Pasadena

Coverage A: Main Home or Dwelling

This section of your policy covers damage to your home, including losses below the main floor. The amount specified is fair and reasonable you can receive if there is a total loss due to fire.

Coverage B: Additional Structures

This policy provides coverage for all structures near the main home, including buildings, fences, landscaping, concrete driveways, pools, pool decks, and walkways.

Coverage C: Personal Belongings

This policy provides coverage for damage or loss of personal belongings, including items owned or used by your family that were inside the home during the fire.

Coverage D: Living Costs

It helps with living expenses when your home is damaged or lost, making it uninhabitable. The amount covered depends on the policy limits.

How Excel Adjusters Can Help

To secure the best compensation for your wildfire damage, employing a public adjuster is crucial. Excel Adjusters' licensed public insurance adjusters manage your claims process comprehensively. We negotiate with insurance companies and advocate for your interests as a property owner. We will exert all efforts to ensure a fair payout for damages resulting from wildfires.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We collaborate with third-party hygienists and other experts to strengthen your insurance claim. The insurance company’s adjuster will likely support their side. Independent insurance professionals are essential for an unbiased process. Their work, including gathering evidence and analysis, won’t be influenced by the insurance company.

Their assistance ensures we can accurately determine the full extent of damage to your property.

Documenting Visible and Unseen Damage

After a thorough evaluation, we will document the wildfire damage in detail to enhance your insurance claim. We utilize the right experts to find hidden damage that could be missed by you or your insurance company.

Claims Strategy Development

By studying your fire insurance policies, we create a strategy to increase your claim. Our thorough understanding of your policy’s wildfire coverage ensures the best outcome.

Providing Full Proof of Loss

Through our detailed evidence-gathering and policy understanding, we provide full proof of loss to your insurer.

Managing Complex Communications

We manage all communication between the policyholder and the insurer, aiming to create a stress-free experience until the case is settled. We will walk you through the fire insurance claim process and keep you informed about every update.

Negotiation for The Fair and Reasonable Settlement

Our negotiation expertise with insurance companies helps ensure fair settlements, representing you fully to achieve the best results for wildfire damage claims.

Our Step-By-Step Process

Highlighting Safety Risks
Understanding Your Insurance Policy
Evaluating and Assessing Damages
Formulating a Recovery Plan
Handling Insurance Negotiations for You
Finalizing and Increasing Your Benefit

Wildfire Insurance Claims FAQ

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

The first step to take when filing a wildfire insurance claim in Pasadena is to consult a public adjuster and independent Hygienist to assess the damage and document it. This documentation ensures the best proof of loss for your claim. Time is important, so document any damage as quickly as possible.

Does insurance cover power surge damage?

If a wildfire is determined to be the cause of the power surge, your homeowners’ insurance might pay for the damages.

How do insurance companies in Pasadena deal with wildfire claims?

The process your insurance follows for wildfire claims depends on your policy, but they will usually inspect your property before approving repairs, rebuilding, or smoke damage remediation.

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

The main variation between a fire claims public adjuster and an insurance adjuster is their perspective. Insurance companies assign independent adjusters who typically focus on the insurer’s benefit. A public adjuster differs because they are employed by you to act on your behalf.

What is the cost of a public adjuster?

Because public adjusters typically charge a percentage of the settlement, they are driven to obtain the most favorable results.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Pasadena