Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a destructive wildfire, assessing property damage and filing an insurance claim can be challenging. Emotions are probably heightened, and wildfire damage can lead to visible and hidden issues from smoke, soot, ash, and water.

Whether it’s smoke damage, a total fire loss, or partial fire loss, you need a public insurance adjuster. These experts specialize in wildfire claims and have experience helping property owners and renters.

Excel Adjusters is a public adjusting firm that has resolved over 2,200 property damage claims since 1997. With more than 24 years of experience, we thoroughly understand the details of your insurance policy. We take the stress out of handling wildfire insurance claims, representing homeowners and business owners to secure the highest possible settlement.

Wildfire Damage and Insurance Challenges

Fire behavior is intricate, causing damage that extends beyond what is visible. This can include:

Full or partial burn to your home or property: Both partial and major burns can lead to structural damage, weakening the integrity of the affected property.
Smoke damage: Smoke damage is widespread and invasive, seeping into buildings and leaving behind odors, stains, and possible health risks.
Water damage: Wildfires can harm pipes and wells, leading to the risk of water contamination.
Wind damage: Besides increasing smoke infiltration, strong wildfire winds can cause fallen trees, debris damage, and structural problems.

Given the potential for extensive damage from each wildland fire, it's essential to understand your insurance policy. Each policy has unique coverage details and nuances for large fires, which can make it hard to determine what you can claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Santa Monica

Coverage A: Main Home or Dwelling

This part of your policy covers damage to your home, including areas below the main floor. The specified amount is the fair and reasonable you can claim if there is a total loss from a fire.

Coverage B: Additional Structures

Coverage extends to all structures around the main home, including nearby buildings, fences, landscaping, concrete driveways, pools, pool decks, walkways, and more.

Coverage C: Personal Belongings

This coverage includes damage or loss to your personal belongings, such as items owned or used by your family inside the home during the fire.

Coverage D: Living Costs

This coverage helps reimburse living expenses incurred because you can’t stay in your home due to damage or loss. The amount covered depends on the policy limits.

How Excel Adjusters Can Help

Hiring a public adjuster after wildfire damage helps secure the best compensation for your insurance claim. At Excel Adjusters, our licensed public insurance adjusters handle the entire claims process for you. We advocate for property owners and negotiate with insurance companies on your behalf. We will work diligently to ensure a fair payout for your wildfire damage claim.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We have strong connections with professional third-party hygienists and experts who can support your insurance claim. It's wise to assume the insurance company’s adjuster will favor their side. It’s essential to involve independent insurance experts during the process. Their samples, evidence, and analysis will be impartial, and not biased towards the insurance company.

These experts will help us precisely assess the extent of the damage to your property.

Documenting Visible and Unseen Damage

After a detailed property assessment, we will carefully document the wildfire damage to support your insurance claim. This includes hidden damage, as we use the right experts to uncover issues you or your insurance company might overlook.

Claims Strategy Development

We review your personal fire insurance policies to create the most effective claims strategy. Understanding your policy’s approach to wildfire risk helps us process your fair and reasonable claim based on policy details and property specifics.

Providing Full Proof of Loss

Our detailed documentation of evidence and policy expertise allows us to present full proof of loss to your insurance company.

Managing Complex Communications

We handle all communication with the insurance company on behalf of the policyholder until the case is resolved. Our team works to make the process as stress-free as possible. We will guide you through every step of the fire insurance claim process, keeping you informed of our progress.

Negotiation for The Fair and Reasonable Settlement

We offer exceptional negotiation services with insurance companies to ensure fair settlements, using our expertise to represent you and secure the best outcome for wildfire damage.

Our Step-By-Step Process

Assessing Safety Hazards
Understanding Your Insurance Claim
Evaluating and Estimating Damage
Developing a Recovery Strategy
Handling Insurance Claim Negotiations for You
Finalizing and Processing Your Fair and Reasonable Benefit

Wildfire Insurance Claims FAQ

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

The initial step in filing a wildfire insurance claim in Santa Monica is to reach out to a public adjuster and an independent Hygienist to assess your property and document the damage. Proper documentation strengthens your proof of loss for the claim. Keep in mind that time is crucial, and it’s important to document damage as soon as possible.

Does insurance cover power surge damage?

If it can be proven that a wildfire caused a power surge, your homeowners’ insurance may cover the damage.

How do insurance companies in Santa Monica deal with wildfire claims?

The way your insurance company handles wildfire claims will depend on your policy. However, they will likely inspect the property before approving any rebuilding, repairs, or smoke damage remediation.

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

The key distinction between a public adjuster for fire claims and an insurance adjuster lies in whose interests they serve. Insurance companies assign independent adjusters who may sway the outcome in their favor. Conversely, a public adjuster is employed by you to represent your interests.

What is the cost of a public adjuster?

Public adjusters usually take a percentage of the settlement, motivating them to secure the highest possible outcome 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 Santa Monica