Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

In the aftermath of a destructive wildfire, identifying all the damage to your property and submitting an effective insurance claim can be daunting. The emotional strain, coupled with damage from smoke, soot, ash, and water, can obscure both visible and hidden issues.

A public adjuster is crucial for managing smoke damage, total fire loss, or partial fire loss. These professionals are adept at navigating wildfire insurance claims and possess extensive experience assisting property owners and renters in situations like yours.

Excel Adjusters has a proven track record, settling over 2,200 property damage claims since 1997. With 24 years of experience in property claims, we are well-versed in the intricacies of your insurance policy. We handle wildfire insurance claims with dedication, representing homeowners and business owners to secure fair and reasonable settlements.

Wildfire Damage and Insurance Challenges

The complexity of fire behavior means that damage often extends beyond what is apparent to the eye. This encompasses:

Fire damage to your home or property: Both full and partial burns can result in structural issues and jeopardize the stability of the affected areas.
Effects of smoke damage: Smoke can infiltrate buildings, resulting in lingering smells, stains, and potential health hazards that are difficult to address.
Water damage from wildfires: Wildfires can impair pipes and wells, leading to potential contamination and subsequent water damage.
Wind-related damage: In addition to increasing smoke penetration, strong wildfire winds can cause fallen trees, debris impacts, and structural damage.

Understanding your insurance policy is crucial due to the extensive damage potential of wildland fires. Each policy has distinct coverage details and complexities regarding large fires, making it hard to identify what you are eligible to claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This coverage applies to all damage sustained by your home, including areas below the main floor. The stated amount is the fairest and reasonable coverage provided in the event of a total fire loss.

Coverage B: Additional Structures

All structures in the vicinity of the main dwelling are covered, including adjacent buildings, fencing, landscaping, concrete driveways, pools, pool decks, assorted walkways, and additional features.

Coverage C: Personal Belongings

Coverage extends to damage or loss of your personal possessions, including any items owned by or used by your family that were located inside the home at the time of the fire.

Coverage D: Living Costs

This coverage assists with reimbursing living expenses when you cannot occupy your property due to damage or loss. The level of reimbursement is determined by the policy limits in your insurance plan.

How Excel Adjusters Can Help

To ensure you receive fair and reasonable compensation for wildfire damage, it’s crucial to enlist a public adjuster. At Excel Adjusters in San Jose, our licensed professionals oversee the full claims process. We act as dedicated advocates for property owners, negotiating with insurance companies to secure a just and fair settlement for the damages you've incurred.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We connect you with reputable third-party hygienists and specialists to support your insurance claim effectively. Independent experts play a crucial role in the process, as their objective collection of samples, evidence, and analyses provide an unbiased perspective, independent of any insurance company influence.

These experts will enable us to thoroughly and accurately determine the extent of the damage to your property in San Jose.

Documenting Visible and Unseen Damage

After conducting a thorough assessment of your property, we will carefully record all wildfire damage to strengthen your insurance claim. Our team will use specialized experts to uncover and document any damage that may not be immediately visible or recognized by your insurance company.

Claims Strategy Development

Our team reviews your individual insurance fire policies in detail to create the best strategy for your claims. This in-depth knowledge of how your policy handles wildfire risks and damages enables us to help you receive a fair and reasonable insurance claim according to the unique details of your policy and property.

Providing Full Proof of Loss

Our thorough documentation of evidence, combined with our in-depth knowledge of your policy, will enable us to present a comprehensive proof of loss to your insurance company.

Managing Complex Communications

We handle all communication between you and your insurance company until your case is resolved, aiming to make the process as stress-free as possible. Additionally, we will guide you through every step of the fire insurance claim process and keep you informed about our progress.

Negotiation for The Maximum Settlement

We excel in negotiating with insurance companies to secure just and fair settlements. By applying our in-depth knowledge, we represent you comprehensively, striving to achieve the optimal settlement for your 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 Get Fair and Reasonable Benefit Amount

Wildfire Insurance Claims FAQ

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

Begin your wildfire insurance claim process by contacting a public adjuster and an independent hygienist to evaluate and document the damage to your property. This early documentation serves as critical evidence for your claim. Remember, timely documentation is vital to ensure all damage is recorded as soon as possible.

Does insurance cover power surge damage?

If you can provide evidence that the power surge was caused by a wildfire, your homeowners’ insurance may cover the resulting damage.

How do insurance companies deal with wildfire claims?

How your insurance company handles wildfire claims will vary based on the specifics of your policy. Typically, they will conduct an inspection of your property before approving any rebuilding, repair, or smoke damage remediation.

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

The primary distinction between a fire claims public adjuster and an insurance adjuster is their loyalty. Insurance companies provide independent adjusters who may bias the outcome in favor of the insurer. A public adjuster, however, is hired by you to ensure that your interests are prioritized in the claim process.

What is the cost of a public adjuster in San Jose?

Public adjusters generally receive a percentage of the settlement as their fee, providing an incentive to secure the most favorable results for you.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in San Jose