Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Following a devastating wildfire, evaluating the damage to property and submitting an insurance claim can be difficult. With emotions running high, the damage caused by the fire may include both visible and concealed problems, such as those from smoke, soot, ash, and water.

If you’re dealing with smoke damage, a complete fire loss, or partial fire damage, a public insurance adjuster is essential. These professionals specialize in wildfire claims and have the expertise to assist both property owners and renters.

Excel Adjusters is a public adjusting firm that has successfully handled over 2,200 property damage claims since 1997. With over 24 years of experience, we have a deep understanding of your insurance policy. We work to alleviate the stress of managing wildfire insurance claims, representing homeowners and business owners to ensure the best possible settlement.

Wildfire Damage and Insurance Challenges

Fire behavior is complex, leading to damage that goes beyond what can be seen. This can involve:

Full or partial burn to your home or property: Both partial and severe burns can cause structural damage, compromising the strength of the affected property.
Smoke damage: Smoke damage is extensive and can spread throughout buildings, leaving behind odors, stains, and potential health hazards.
Water damage: Wildfires can damage pipes and wells, increasing the risk of water contamination.
Wind damage: In addition to allowing more smoke to enter, strong wildfire winds can bring down trees, cause debris damage, and lead to structural issues.

Because wildland fires can cause significant damage, it's important to fully understand your insurance policy. Each policy has specific coverage details and differences when it comes to large fires, which can make it difficult to know what you’re eligible to claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage For Wildfire Damage In Ventura

Coverage A: Main Home or Dwelling

This section of your policy covers damage to your home, including areas below the main floor. The specified amount represents the fair and reasonable compensation you can claim in the event of a total fire loss.

Coverage B: Additional Structures

Coverage includes all structures surrounding the main home, such as nearby buildings, fences, landscaping, concrete driveways, pools, pool decks, walkways, and more.

Coverage C: Personal Belongings

This coverage protects against damage or loss of your personal belongings, including items owned or used by your family inside the home during the fire.

Coverage D: Living Costs

This coverage helps cover living expenses if you are unable to stay in your home due to damage or loss. The amount reimbursed is based on the policy limits.

How Excel Adjusters Can Help

Hiring a public adjuster after wildfire damage ensures you get the best compensation for your insurance claim. At Excel Adjusters, our licensed professionals manage the entire claims process for you. We represent property owners and negotiate with insurance companies on your behalf, working hard to secure a fair settlement for your wildfire damage claim.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We have established relationships with third-party hygienists and experts who can assist with your insurance claim. It’s important to recognize that the insurance company’s adjuster may prioritize their own interests. Involving independent experts in the process ensures impartial evidence, analysis, and samples that aren’t influenced by the insurance company.

These experts will assist us in accurately determining the full extent of the damage to your property.

Documenting Visible and Unseen Damage

After thoroughly assessing your property, we will carefully document all wildfire damage to back up your insurance claim. This includes any hidden damage, as we work with the right experts to identify issues that may be missed by you or your insurance company.

Claims Strategy Development

We examine your fire insurance policy to develop the best strategy for your claim. By understanding how your policy handles wildfire risk, we can ensure your claim is processed fairly and accurately, taking into account both the policy details and the specifics of your property.

Providing Full Proof of Loss

With our thorough documentation and policy knowledge, we are able to provide complete proof of loss to your insurance company.

Managing Complex Communications

We manage all communication with the insurance company on behalf of the policyholder until the claim is resolved. Our team aims to make the process as smooth and stress-free as possible. We will guide you through each step of the fire insurance claim, keeping you updated on our progress.

Negotiation for The Fair and Reasonable Settlement

We provide expert negotiation services with insurance companies to guarantee fair settlements, using our knowledge to represent you and achieve the best outcome for wildfire damage.

Get in touch now for expert guidance on your claim

Our Step-By-Step Process

Identifying Safety Risks
Understanding Your Insurance Claim Process
Assessing and Estimating Damages
Creating a Recovery Plan
Managing Insurance Claim Negotiations on Your Behalf
Completing and Finalizing Your Fair and Just Settlement

Wildfire Insurance Claims FAQ

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

The first step in filing a wildfire insurance claim in Ventura is to contact a public adjuster and an independent hygienist to evaluate your property and record the damage. Proper documentation is key to supporting your claim. Remember, time is of the essence, so it’s important to document the damage as soon as possible.

Does insurance cover power surge damage?

If it can be shown that a wildfire caused a power surge, your homeowners’ insurance might cover the resulting damage.

How do insurance companies in Ventura deal with wildfire claims?

How your insurance company manages wildfire claims will depend on your policy. However, they will typically assess the property before authorizing any rebuilding, repairs, or smoke damage cleanup.

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

The main difference between a public adjuster for fire claims and an insurance adjuster is who they work for. Insurance companies hire independent adjusters who may favor their side. On the other hand, a public adjuster is hired by you to represent your best interests.

What is the cost of a public adjuster?

Public adjusters typically earn a percentage of the settlement, which encourages them to achieve the best possible result 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 Ventura