Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Identifying the full extent of wildfire damage and preparing an effective insurance claim can be overwhelming. Beyond the emotional impact, damage from smoke, soot, ash, and water may not always be immediately visible.

A public adjuster is your best ally when dealing with smoke damage, partial fire loss, or total destruction. They are experts in wildfire claims and have extensive experience working with property owners and renters.

With over 2,200 successful property damage claims since 1997, Excel Adjusters is a trusted name in public adjusting. Backed by 24 years of experience, we specialize in understanding insurance policies and managing claims. Our team is dedicated to helping homeowners and business owners achieve the maximum settlement for wildfire losses.

Wildfire Damage and Insurance Challenges

Fire damage often goes deeper than the surface, involving more than what is immediately visible. Examples of this include:

Full or partial burn to your home or property: The structural integrity of a property can be compromised by both partial and extensive burn damage.
Smoke damage: Buildings impacted by smoke damage often experience long-lasting odors, stains, and risks to health due to its pervasive nature.
Water damage: The destruction caused by wildfires can compromise pipes and wells, causing potential water quality concerns.
Wind damage: The powerful winds accompanying wildfires can worsen smoke infiltration and cause issues like falling trees, debris damage, and structural concerns.

Given the potential destruction from wildfires, reviewing your insurance policies is crucial. The intricate nuances of each policy can make it difficult to know what coverage applies.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

Coverage under this section extends to all damage to your home, including losses below the main floor. The specified amount represents the maximum claim in the event of a total fire loss.

Coverage B: Additional Structures

Coverage also applies to additional structures around the main home, including nearby buildings, fences, landscaping, driveways, pools, and walkways.

Coverage C: Personal Belongings

This section covers the damage or loss of personal belongings, including items owned by your family that were inside the home during the fire.

Coverage D: Living Costs

Helps cover the cost of living expenses if you're unable to reside in your property due to damage or loss. Coverage limits will determine the reimbursement amount.

How Excel Adjusters Can Help

A public adjuster is essential to ensure the best compensation for your wildfire damage claim. Excel Adjusters’ licensed adjusters will handle the entire process for you. As expert advocates for property owners, we negotiate with insurance companies on your behalf. We strive to secure a fair and just settlement for wildfire-related damages.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We work closely with professional hygienists and other experts who can help support your claim. Independent specialists are vital, as their neutral findings and evidence will protect you from any bias toward the insurance company.

The experts will ensure we accurately measure the extent of the damage to your property.

Documenting Visible and Unseen Damage

After performing a detailed evaluation of the property, we’ll carefully document the extent of wildfire damage to strengthen your insurance claim. Our experts will identify any hidden issues that could be overlooked by you or the insurance company.

Claims Strategy Development

By reviewing your personal fire insurance policies, we create a tailored claims strategy. Our deep understanding of how your policy addresses wildfire damage allows us to secure the maximum possible claim, considering your property and policy details.

Providing Full Proof of Loss

The detailed evidence we gather, combined with our policy knowledge, ensures we can provide full proof of loss to your insurance provider.

Managing Complex Communications

We take charge of all communication between you and the insurance company, ensuring a stress-free experience until your case is settled. Throughout the fire insurance claim process, we will keep you informed and updated on our progress.

Negotiation for The Maximum Settlement

We excel in negotiating with insurance companies to secure fair and just settlements. By leveraging our knowledge, we fully represent your interests to achieve the best settlement 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?

Contact a public adjuster and an independent hygienist to evaluate your property and document the damage, which is the first step in filing a wildfire insurance claim. This documentation will serve as your proof of loss when you file the claim. Keep in mind that timely documentation is essential.

Does insurance cover power surge damage?

If a wildfire is proven to be the cause of the power surge, your homeowners’ insurance may provide coverage for the damage.

How do insurance companies deal with wildfire claims?

The way wildfire claims are managed by your insurance company is determined by your specific policy. They will usually inspect your property before authorizing repairs, rebuilding, or remediation for smoke damage.

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

The primary difference between a fire claims public adjuster and an insurance adjuster is who they represent. Insurance companies appoint independent adjusters, who may have a bias toward the company’s interests. A public adjuster, however, works for you to protect your interests.

What is the cost of a public adjuster?

Since public adjusters typically charge a percentage of the settlement, they are driven to deliver the best 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 Torrance