Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Following a wildfire, it can be difficult to fully assess the damage to your property and submit a comprehensive insurance claim. Emotions can run high, and the damage from smoke, soot, ash, and water can be both visible and hidden.

Whether your property has suffered from smoke damage, partial fire loss, or total fire loss in Santa Clarita, a public adjuster is essential. These professionals specialize in wildfire claims and have the expertise to represent property owners and renters like you.

Excel Adjusters has been helping clients for over 24 years, with over 2,200 property damage claims successfully settled since 1997. Our experience allows us to understand the details of your insurance policy and relieve the stress of managing wildfire claims, working to secure the maximum possible settlement for homeowners and business owners alike.

Wildfire Damage and Insurance Challenges

Fire's behavior is complex, and the resulting damage can be more extensive than what is visible to the naked eye. This can include:

Burns to your home or property: Whether it's full or partial, burn damage can weaken your home's structure, causing critical issues that affect its safety and stability.
Smoke damage: Smoke can infiltrate all areas of a property, leaving behind lingering odors, discoloration, and harmful effects on indoor air quality that can affect your health.
Water damage: Wildfires can cause significant damage to pipes and wells, potentially resulting in water contamination. This not only damages property but can pose health risks as well.
Wind damage: The powerful winds during a wildfire can bring debris and fallen trees, causing additional damage to your property and further complicating smoke and water-related issues.

The immense damage wildland fires can cause makes it critical to fully understand your insurance coverage in Santa Clarita. Policies vary in their coverage of large fires, which can create confusion about what is included in your claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This part of your homeowner’s insurance covers the damage to your home, including the foundation and areas below the main floor, with a limit based on the value of your dwelling. If your home is completely destroyed by fire, this is the maximum amount you can receive.

Coverage B: Additional Structures

Coverage for other structures on your property, such as sheds, fences, driveways, walkways, and pools. These structures are covered separately from your main dwelling but are included under the total policy limit.

Coverage C: Personal Belongings

This provides reimbursement for items lost or damaged in the event of a fire. It covers personal property such as electronics, clothing, furniture, and family heirlooms that were inside the home during the incident.

Coverage D: Living Costs

If your home becomes unlivable after a fire or other damage, this coverage helps pay for alternative housing costs, including rent or hotel bills. The amount covered is subject to your policy’s limits.

How Excel Adjusters Can Help

After experiencing wildfire damage, a public adjuster is crucial to securing the best possible compensation. At Excel Adjusters, our experienced public adjusters manage the entire claims process. We’re here to represent property owners, negotiating with insurance companies to achieve a fair settlement for the damage caused by wildfires.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We work closely with professional third-party hygienists and other experts who are essential to supporting your insurance claim. Engaging independent specialists is important because their findings and analyses are impartial, helping to provide objective evidence that is not influenced by the insurance company.

These experts will help us assess the true extent of the damages to your property.

Documenting Visible and Hidden Damage

We conduct a thorough assessment of your property in Santa Clarita, carefully documenting both visible and hidden wildfire damage. By bringing in experts, we ensure that nothing is overlooked, providing the necessary evidence to support your insurance claim.

Claims Strategy Development

We analyze your specific insurance policy to create an effective strategy that aligns with how your policy covers wildfire damage. This strategy is designed to help maximize your claims based on both the policy terms and the unique damage to your property.

Providing Complete Proof of Loss

Through detailed documentation and a deep understanding of your policy, we deliver a comprehensive proof of loss to your insurance company, ensuring that all damages are fully accounted for and supported.

Managing Complex Communications

We take on the responsibility of managing all communications between you and the insurance company, reducing your stress during the claims process. We will keep you informed and guide you through each step of the fire damage claim.

Negotiating for the Best Settlement

Our team works relentlessly to negotiate the highest settlement possible for your wildfire damage. With our in-depth knowledge and experience, we fight to ensure that you are compensated fairly and justly.

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 thing you should do when filing a wildfire insurance claim is to contact a public adjuster and an independent hygienist to assess and document the damage to your property. This documentation will give you the strongest evidence of loss when filing your claim in Santa Clarita. Time is of the essence, so make sure the damage is recorded as soon as possible.

Does insurance cover power surge damage?

In the event that a power surge was caused by a wildfire, and you can prove it with evidence, your homeowners’ insurance may be able to cover the damages.

How do insurance companies deal with wildfire claims?

Your insurance company’s approach to wildfire claims will vary based on your policy. However, they will generally require a property inspection before they approve 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 their allegiance. Insurance adjusters are hired by the insurance company and often have a vested interest in minimizing payouts. Public adjusters, on the other hand, are hired by you to advocate for your best interests and maximize your claim settlement.

What is the cost of a public adjuster?

Public adjusters typically work for a percentage of the final settlement, incentivizing them to achieve the best possible outcome on your behalf.

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

*According to the Insurance Information Institute

Wildfire Claims Public Adjuster in Santa Clarita