Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Identifying damage and submitting an insurance claim can be difficult after a wildfire. Emotions are likely elevated, and wildfire damage can create visible and unseen issues from smoke, soot, ash, and water.

If you have smoke damage or complete or partial fire loss, you need a public insurance adjuster. They are experts in wildfire claims and have extensive experience representing renters and property owners.

Excel Adjusters has resolved over 2,200 property damage claims since 1997. With more than 24 years of experience, we are experts in understanding insurance policies. We help homeowners and business owners with their wildfire insurance claims, aiming to secure a fair and reasonable settlement.

Wildfire Damage and Insurance Challenges

The behavior of fire is complicated, often resulting in damage that isn't easily seen. This includes:

Full or partial burn to your home or property: Partial and large burns can result in structural damage, jeopardizing the property's stability.
Smoke damage: Smoke damage is sneaky and widespread, leaving odors, staining, and possible health risks.
Water damage: Damage from wildfires can compromise pipes and wells, causing water contamination.
Wind damage: Besides worsening smoke infiltration, strong winds from wildfires can cause fallen trees, debris damage, and more structural issues.

Since each wildland fire can cause considerable damage, understanding your insurance policy is crucial. The coverage for large fires varies, which can make it difficult to determine what can be claimed.

Wildfire Damage and Insurance Challenges

UNDERSTANDING HOMEOWNERS INSURANCE COVERAGE FOR WILDFIRE DAMAGE IN REDONDO BEACH

Coverage A: Main Home or Dwelling

This part of your policy includes coverage for damage to your home, including areas below the main floor. The specified amount is the highest you can claim if the home is completely lost in a fire.

Coverage B: Additional Structures

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

Coverage C: Personal Belongings

Coverage includes any damage or loss to personal belongings, such as items your family-owned or used that were inside the home when the fire happened.

Coverage D: Living Costs

It covers living expenses incurred from being unable to live in your property due to damage or loss. The extent of coverage is subject to the policy limits.

How Excel Adjusters Can Help

Hiring a public adjuster ensures you get the most compensation possible for your wildfire damage claim. Excel Adjusters employs licensed public insurance adjusters who handle all parts of the claims process. We work on your behalf to negotiate with insurance companies. We are focused on securing a fair payout for your wildfire damage through hard work.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our network of third-party hygienists and experts is here to support your insurance claim. Keep in mind that the insurance company's adjuster will probably take their side. Independent insurance experts play a key role in the process. Their evidence collection and analysis will be neutral, not biased towards the insurance company.

Their expertise will help us precisely evaluate the damage to your property.

Documenting Visible and Unseen Damage

After an extensive evaluation, we will carefully document all wildfire damage to assist with your insurance claim. We use qualified experts to identify damage that is not immediately visible, which you or your insurance company might miss.

Claims Strategy Development

Our analysis of your fire insurance policies helps us form the best claims strategy. We use our understanding of how your policy manages wildfire risk to strengthen your claim.

Providing Full Proof of Loss

With our well-documented evidence and policy insight, we can deliver full proof of loss to your insurer.

Managing Complex Communications

We oversee all interactions with the insurer, working to make the entire process as stress-free as possible for the policyholder. We will guide you through the fire insurance claim process, providing regular updates on how things are progressing.

Negotiation for The Fair and Reasonable Settlement

We offer exceptional negotiation skills with insurance companies, working to secure fair settlements for wildfire damage and representing you to achieve the best outcome.

Our Step-By-Step Process

Recognizing Risks to Safety
Reviewing Your Insurance Claim
Evaluating and Measuring Damage
Developing a Plan for Recovery
Negotiating Your Insurance Claim on Your Behalf
Strengthening and Settling Your Benefit

Wildfire Insurance Claims FAQ

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

The initial step in filing a wildfire insurance claim in Redondo Beach is contacting a public adjuster and an independent Hygienist to assess the damage and document it thoroughly. This documentation helps establish proof of loss. It’s crucial to remember that time is pressing, and damage must be recorded quickly. Always keep in mind that documenting damage promptly is vital due to time constraints.

Does insurance cover power surge damage?

Should evidence confirm the power surge was due to a wildfire, your homeowners’ insurance may provide coverage.

How do insurance companies in Redondo Beach deal with wildfire claims?

Your insurance company’s response to wildfire claims varies based on your policy, though they generally inspect the property before authorizing any repairs, rebuilding, or smoke damage remediation.

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

The main distinction between a fire claims public adjuster and an insurance adjuster is whether they represent your best interests. Insurance companies hire independent adjusters who often aim to benefit the insurer. On the other hand, you hire a public adjuster to advocate on your behalf.

What is the cost of a public adjuster?

Public adjusters often take a percentage of the final settlement, which motivates them to get the highest possible amount.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Redondo Beach