Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

The aftermath of a wildfire can make it hard to fully evaluate property damage and file a proper insurance claim. Emotional strain and less obvious damage from smoke, ash, soot, and water add to the challenge.

Whether you face smoke damage or a complete fire loss, hiring a public adjuster is crucial. They bring expertise in wildfire insurance claims and have a strong track record of helping property owners and tenants.

Excel Adjusters has settled over 2,200 property damage claims since 1997 with unmatched expertise. Drawing on 24 years of experience, we thoroughly understand insurance policies and claim negotiations. We advocate for homeowners and business owners, ensuring maximum compensation for wildfire claims.

Wildfire Damage and Insurance Challenges

Fires can create hidden damage, as their impact is more extensive than what meets the eye. Such damage may include:

Full or partial burn to your home or property: Burns, whether minor or severe, can lead to structural issues and weaken the property's foundation.
Smoke damage: Smoke damage is intrusive and far-reaching, leading to persistent odors, visible staining, and health concerns within the property.
Water damage: Wildfires often impact pipes and wells, increasing the risk of water contamination.
Wind damage: In addition to increasing smoke infiltration, wildfire-related winds often lead to fallen trees, debris impacts, and structural challenges.

The extensive damage from wildfires highlights the importance of knowing your insurance policies. With varying coverage details, it can be hard to identify what you’re entitled to claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This part of your policy provides coverage for damage throughout your home, including areas under the main floor. The amount specified is the maximum payout if a total loss occurs due to fire.

Coverage B: Additional Structures

This coverage extends to surrounding structures, such as buildings close to the main home, fences, landscaping, driveways, pools, pool decks, and other walkways.

Coverage C: Personal Belongings

Any damage or loss to your personal property, including family possessions inside the home during the fire, is covered.

Coverage D: Living Costs

This section covers living expenses if you cannot stay in your home because of damage or loss. The reimbursement amount will depend on the policy limits.

How Excel Adjusters Can Help

When dealing with wildfire damage, hiring a public adjuster ensures you get the best compensation for your insurance claim. At Excel Adjusters, our licensed adjusters take care of everything for you. We are strong advocates for property owners, negotiating with insurance companies on your behalf. We’ll work tirelessly to secure a fair settlement for your wildfire damage.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We are well-connected with third-party hygienists and experts who can assist with your insurance claim. Their unbiased samples and evidence are critical to ensuring a fair assessment, free from the insurance company’s influence.

With their expertise, we’ll be able to evaluate the full scope of the damage to your property.

Documenting Visible and Unseen Damage

Following a comprehensive evaluation of the property, we’ll thoroughly document the wildfire damage to back up your insurance claim. We use the right experts to uncover any unseen damage that may be missed by you or your insurance provider.

Claims Strategy Development

Our team studies your fire insurance policies to craft the best strategy for your claim. This detailed knowledge of how your policy covers wildfire damage enables us to maximize your claims based on the specifics of both the policy and your property.

Providing Full Proof of Loss

Our comprehensive documentation and expertise in your policy will enable us to present a complete proof of loss to your insurance company.

Managing Complex Communications

We manage all communication with the insurance company until the case is concluded, making your experience as smooth as possible. We will also walk you through each stage of the fire insurance claim process and keep you updated.

Negotiation for The Maximum Settlement

We provide top-tier negotiation with insurance companies to guarantee fair settlements. Using our expertise, we advocate for you, ensuring the best possible compensation for wildfire damage.

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 to 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 gives you solid proof of loss for your claim. Remember, it’s vital to document the damage as soon as possible.

Does insurance cover power surge damage?

Should the power surge be linked to a wildfire, and evidence supports this, your homeowners’ insurance could cover the damage.

How do insurance companies deal with wildfire claims?

How your insurance company processes wildfire claims depends on your individual policy. Typically, they will inspect the property before agreeing to 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 lies in their role. Insurance companies assign an independent adjuster, who may favor their interests. A public adjuster, however, is someone you hire to represent your best interests.

What is the cost of a public adjuster?

Public adjusters generally charge a percentage of the settlement, ensuring they are motivated to get the best 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 Temecula