Published On: Thu, May 2nd, 2019

Introducing the Best Public Adjuster on Fire Insurance Claim Los Angeles

When an extremely destructive fire strikes your home or business – disrupting your life and livelihood. You may have a lot of questions like what the exact process of filing an insurance claim is, how long would it take to process the settlement and how much can you recover. During this difficult time, would you call and ask the help of a public adjuster on filing a fire insurance claim or would you take a risk by doing it alone? Dealing with it alone is not bad as long as you will be extra careful to avoid a mistake in dealing with your insurance provider and get a higher settlement payout. However, having a public adjuster filing a fire insurance claim Los Angeles on your behalf saves you valuable time and allows you to focus on starting the journey towards complete recovery.

photo supplied, courtesy of guest blogging network

What is a Public Adjuster?

A public adjuster is a licensed and trained professional that independently adjusts and recovers insurance claims for damages due to fire, flood, earthquake and other form of fortuitous events. Technically, public adjusters work for policyholders such as homeowners, commercial property owners and businesses and not the insurance company.

Why Should Hire a Fire Insurance Claim Adjuster Los Angeles?

When homeowners or businesses suffer a loss to their property due to fire, the insurance companies must fulfill their obligations to make settlement depending on the agreed policy. However, most insurance companies use a variety of tactics to lower the settlement to their policyholders and maximize their revenue. A typical public adjuster on fire insurance claim Los Angeles will use its expertise to protect the policyholder’s right to be compensated fairly for all loss or damages caused by the fire.

The public adjuster will act as the main communication point throughout the claims process which also provides a variety of services such as full documentation of damages that has occurred, perform an assessment of any unseen damage and give a complete audit of the loss incurred by the fire. Having the right team of public adjusters from Excel allows you to worry nothing about your fire insurance claim Los Angeles and focus on getting your life or business back in order.

Why Excel Public Adjusters?

If you need someone to process fire insurance claim Los Angeles, professional public adjusters from Excel are always ready to support you. Excel is a firm established way back in 1996 in Southern California and have successfully represented over 2,000 claims with favorable settlements thus far. With their involvement of more than 3,000 claims in the United States, Excel is proven to be one of the best firms in adjusting industry experienced in the settlement of fire, hurricane, earthquake and water damage losses. With specialties in residential and commercial property loss due to fire, earthquake, flood and even theft – Excel adjusters will provide the following services:

       Assess Building Damage

       Provide Damage Restoration Services

       Review Insurance Policy Coverage & the Water Damage Restoration Process

       Evaluate Clients Compliance Responsibilities

       Investigate and Measure the Extent of the Loss

       Evaluate Replacement Cost and/or Depreciation

       Assemble Business Equipment Claim

       Assemble Support Data for Loss of Income Claim

       Prepare Documentation for Advance Payment Request

       Evaluate Microbial Contamination (mold)

       Assess Total Loss Claims and Review Insurance Estimates

       Expedite the Claim Process

       Negotiate Final Recovery to the Insured’s Satisfaction

Excel’s highly trained professionals will negotiate and represent on your behalf to your insurance company with their goals of getting the maximum settlement payout that you are entitled to depending on the agreed policy. The team will closely work with you to understand your needs and relieve you from any complex process that comes in handling the claims. Regardless of the complexities and challenges of the claim process, Excel adjusters will only charge a small percentage of what they have settled for their clients. In the event that there is no recovery amount based on your claim, then Excel adjusters do not charge any expenses or professional fees. The best thing about this firm is they also provide personal consultations and guidance to those affected by the California fire free of charge but subject to terms and condition.

Tips and Reminders on Fire Insurance Claim Los Angeles

       Make sure that you are working with a legit public adjuster. There are a lot of false or unlicensed public adjusters out there. These people are working for the benefit of the insurance companies that could end up costing you a big amount of fees with lower settlement payout.

       It is highly recommended to hire a Certified Industrial Hygienist to assist your fire claim. They will help you determine the extent of damages you have incurred due to fire and fill up a report of all resulting damages to be submitted as part of your claim. However, avoid hiring a Certified Industrial Hygienist recommended by your insurance provider. There is a tendency that the hygienist is working for the benefit of the insurance company and not for you.

       Note that you can get a copy of your residential homeowner’s insurance policy with declarations page from your insurance company free of charge within 30 days from the date of request. Share the insurance policy to your public adjuster and ask him to explain how much coverage and how to effectively claim your benefits.

       As a best practice, document all of your conversation with your public adjuster or insurance provider about the claim and policy limitations. If they point out something that is excluded, limited or anything that is subject to terms and condition, make sure to understand it fully and ask them to point out the specific provision stated in your insurance policy.

       Evaluate whether you will need a public adjuster and make sure to understand what they charge and the services they are offering before signing any contract. Public adjusters typically require a payment for their services based on a percentage of the claim settlement. Take note that a public adjuster should not charge professional fees on payments you received from your insurance provider before the public adjuster contract was signed.

       Lastly, make sure to check if the public adjuster you are dealing with is licensed by the California Department of Insurance.

Author: Lucy Hale

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