Question 1

Do I need to hire a public adjuster?

Accepted Answer

Our agency is licensed by the Washington State Office of the Insurance Commissioner as public adjusters. We work for you not the insurance company. We document damages, interpret your policy, prepare the claim, and negotiate on your behalf.

Question 2

Are tree damages covered by insurance?

Accepted Answer

Often yes, when caused by a natural disaster that damages a covered structure (roof, fence, shed, fence). Coverage depends on your policy contact us and we’ll review your situation.

Question 3

My home insurance denied my claim. What should I do?

Accepted Answer

Start by understanding the denial reason and gathering your photos, estimates, and policy documents. We’ll handle the heavy lifting file an appeal or supplemental documentation, communicate with the insurer, and work to get a fair outcome. Contact us today for further assistance.

Question 4

After a house fire, can I claim everything?

Accepted Answer

Fire is typically covered. Smoke, soot, and odor are usually covered as well, but limits/exclusions vary. We can review your policy, contact us today.

Question 5

What kinds of claims do you assist with?

Accepted Answer

Fire & Smoke: structure, contents, odor, soot cleanup

Water/ Flood Damage:  burst/leaking pipes, appliance leaks, rain intrusion, natural disaster related to the flood

Storm & Wind: roof damage, fallen trees, siding, windows/doors

Vandalism & Theft: forced entry, stolen/damaged contents

Vehicle Impact / Falling Objects: e.g., powerlines or trees hitting the home
Note: “Flood” as rising water from outside usually requires separate flood insurance. Contact us about other claim types not listed.

Washington Public Adjusters

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About Washington Public Adjusters

Licensed by the Washington State Insurance Commissioner