Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

After a devastating wildfire, it can be challenging to assess the full extent of damage to your property and file an effective insurance claim. Emotions are running high, and the aftermath of a fire can include visible and hidden issues such as smoke, soot, ash, and even water damage.

Whether you’re facing smoke damage, total fire loss, or partial fire loss in Yorba Linda, you need a public adjuster. These experts specialize in wildfire insurance claims and have the experience to help property owners and renters like you.

At Excel Adjusters, we have successfully settled over 2,200 property damage claims since 1997. With more than 24 years of experience, we understand the intricacies of your insurance policy. We take on the burden of dealing with wildfire insurance claims, ensuring that homeowners and business owners receive the maximum settlement.

Wildfire Damage and Insurance Challenges

Fire behavior is intricate, causing damage that extends beyond what is immediately visible. This includes:

Full or partial burns to your property: Fires can cause significant damage, even if only part of the structure is burned. This type of damage can weaken the building's structure and may require extensive repairs to restore its integrity.
Smoke damage: The effects of smoke are far-reaching, lingering in walls, carpets, and fabrics. It can cause persistent odors, staining, and health risks, making it a serious concern after a fire.
Water damage: Wildfires often damage water pipes and wells, leading to potential contamination. This water damage can pose serious risks to your health and property.
Wind damage: High winds that accompany wildfires can exacerbate smoke damage and cause additional harm, including fallen trees, flying debris, and structural damage to homes and buildings.

Given the potential for widespread destruction from wildland fires, understanding your insurance policy in Yorba Linda is essential. Each insurance policy has unique coverage details and nuances, especially when it comes to large fires, which can make it challenging to know what is covered under your claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This section of your policy covers any damage to your home, including areas below the main floor. The coverage amount represents the maximum compensation you can receive if your home is completely lost due to fire or other covered incidents.

Coverage B: Additional Structures

This covers all other structures on your property, such as garages, fences, landscaping, driveways, pools, pool decks, and walkways. These items are included as part of the total coverage for your property’s surrounding structures.

Coverage C: Personal Belongings

This part of your policy reimburses you for any loss or damage to your personal items, including furniture, electronics, clothing, and other belongings that were inside the home at the time of the fire.

Coverage D: Living Costs

If your home becomes uninhabitable due to damage or loss, this coverage helps pay for temporary living expenses, such as hotel stays and meals. The amount you can claim will depend on the specific limits of your policy.

How Excel Adjusters Can Help

If you've suffered wildfire damage, hiring a public adjuster is essential to ensure you receive the maximum compensation for your claim. At Excel Adjusters, our licensed professionals handle every aspect of the process. As dedicated advocates for property owners, we negotiate with insurance companies on your behalf to secure a fair settlement for your wildfire damage.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We have strong connections with third-party hygienists and other specialists who can help strengthen your insurance claim. Independent experts play a vital role in the process, as their assessments, samples, and analyses are unbiased, providing neutral evidence that benefits your case, not the insurance company.

With their assistance, we will ensure an accurate evaluation of the damages to your property.

Documenting Visible and Hidden Damage

Following a comprehensive evaluation of your property in Yorba Linda, we ensure that every aspect of wildfire damage is carefully documented, including hidden issues that may go unnoticed by you or your insurance company. We use expert analysis to identify damages that might otherwise be missed.

Claims Strategy Development

By thoroughly reviewing your insurance fire policies, we develop a tailored claims strategy. This in-depth understanding of how your policy addresses wildfire risks enables us to maximize your insurance claims based on the specifics of your property and coverage.

Providing Complete Proof of Loss

With detailed documentation and a solid understanding of your insurance policy, we compile full proof of loss for submission to your insurance company, ensuring all damage is properly reported and covered.

Managing Complex Communications

We handle all communication between you and the insurance company throughout the claims process. Our goal is to make the experience as smooth as possible for you, while keeping you informed about the progress of your fire insurance claim.

Negotiating for the Best Settlement

Using our extensive knowledge, we negotiate with insurance companies to secure the maximum possible settlement for your wildfire damage. Our expertise ensures that you receive the most fair and just compensation for your losses.

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?

To start your wildfire insurance claim, the first step is to reach out to a public adjuster and an independent hygienist to evaluate and document the damages to your property. This provides solid proof of loss for your claim in Yorba Linda. Don’t forget that timing is crucial—be sure to document the damage immediately.

Does insurance cover power surge damage?

If a wildfire caused a power surge, and you can provide evidence supporting this, your homeowners’ insurance may cover the resulting damage.

How do insurance companies deal with wildfire claims?

How your insurance company handles wildfire claims depends on the details of your policy. Typically, they will conduct a property inspection before agreeing to rebuild or repair your home and address smoke damage.

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

A fire claims public adjuster differs from an insurance adjuster in their representation. While an insurance adjuster works for the insurance company, potentially leading to biased results, a public adjuster is hired by you to ensure your claim is handled fairly and to help maximize your compensation.

What is the cost of a public adjuster?

Public adjusters usually take a percentage of the settlement, which motivates them to secure the highest possible compensation 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 Yorba Linda