Fire and smoke
Structure, contents, additional living expenses and smoke and soot remediation.
Serving Idaho and Arizona · Public adjuster and insurance agent Your insurer has an adjuster. You should have one too.
After fire, water, wind or storm damage, we work for you, not the insurance company. We document the loss, build the claim and negotiate until the settlement reflects the real cost of repair.
Estimates start at $250. Claim and appraisal fees depend on the scope of work, starting at $750. Free consultation, no obligation. You are never required to hire a public adjuster.
Three things to do in the first 48 hours
- Stop further damage: shut off water, tarp the roof, board openings. Keep every receipt.
- Photograph and video everything before cleanup. Do not throw damaged items away yet.
- Report the loss, then call us before you give a recorded statement or accept an offer.
Get your free claim review.
Tell us what happened. One of our qualified staff will call you back within 1 business day to talk through your options. No obligation.
Why it matters
The company adjuster works for the company.
Policies are long, deadlines are strict and scope estimates are easy to get wrong. A public adjuster reads your policy, measures the full loss and presents the claim the way the carrier's own team would, on your side of the table.
Insurance company adjuster
Employed or hired by the carrier. Writes the estimate the carrier will pay. Often one visit, one scope.
Public adjuster
Hired by you. Documents every room, reads the policy, files the claim and negotiates to a fair number.
Without help
Missed line items, low estimates and short deadlines. Many owners accept the first offer.
With us
A complete scope, a supported claim package and one person handling the carrier for you.
Claims we handle
Residential and commercial property claims, start to settlement.
Water and flood
Burst pipes, appliance leaks, sewer backup and hidden moisture damage.
Wind, hail and roof
Roof, siding, gutters and interior damage from storms, including full-replacement disputes.
Storm and lightning
Fallen trees, power surges, ice dams and severe weather losses.
Theft and vandalism
Itemized contents inventories and building repair for break-ins and malicious damage.
Commercial losses
Buildings, equipment, inventory and business interruption for owners and landlords.
Denied or underpaid
Second opinions on denials, low estimates, reopened and supplemental claims.
Not sure your loss qualifies?
Ask for a free reviewHow we work with you
Experience on your side at every stage of the claim.
Some clients need full representation. Others need one piece: a second estimate, an inspection, or documentation to back up a demand. We work either way.
See all services01
Claims assistance
We explain your policy, deadlines and next steps, and help you file the claim correctly.
02
Representation in your claim
As your licensed public adjuster we deal with the carrier for you, from inspection through settlement.
03
Third-party consulting
Attorneys, contractors and property managers can bring us in for an independent scope, pricing or claim review.
04
Comparative estimates
We price the loss ourselves and set it beside the carrier's estimate so every gap is visible.
05
Inspections
Room-by-room damage inspections with photos, measurements and written findings.
06
Appraisals
Support through your policy's appraisal process when you and the carrier disagree on the amount of loss.
07
Claim support and substantiated demands
Documentation, estimates and a clear narrative that back up your demand for payment.
08
Building consulting
Construction expertise on scope, repair methods and whether a proposed repair will hold up.
We read a claim like a contractor and like a carrier.
20 years in construction
8 years in insurance
5 years as a public adjuster
Estimating and Xactimate services
Line-item estimates that hold up in a claim.
Xactimate is the pricing language carriers use. We build your scope room by room, with current local pricing, so nothing is left out and every line can be explained.
- Xactimate estimates for fire, water, wind, hail and storm losses
- Comparative estimates that set your scope beside the carrier's, line by line
- Supplements and reinspections for missed or newly found damage
- Roof and exterior scopes built from measurements and photos
- Contents inventory and pricing for fire, theft and water losses
- Appraisal support when you and the carrier disagree on the amount of loss
- Estimates for contractors and property managers who need a clear scope
Licensed two ways
Public adjuster
Represents policyholders in property claims. Licenses: ID 3002285915, AZ 20251583.
Insurance agent
Policy reviews and coverage advice before a loss. National Producer Number (NPN) 20251583.
Monthly plans for contractors
Outsource your estimating for a flat monthly fee.
Each plan includes a monthly estimate volume. Volume above it is billed at the overage rate. Volume is measured on the line-item subtotal of each estimate, before taxes and before overhead and profit.
| Monthly estimate volume | Monthly plan | Overage rate |
|---|---|---|
| Up to $50,000 | $500 | 1.0% |
| Up to $100,000 | $800 | 1.0% |
| Up to $200,000 | $1,400 | 0.9% |
| $300,000 and up | $1,950 | 0.8% |
| $500,000 and up | Custom pricing | Custom |
How it works
Five steps from the first call to a check in hand.
Free review
We read your policy and the carrier's letters and tell you where you stand.
Sign and start
You sign a written contract that spells out your fee and cancellation rights. We then notify the carrier.
Inspect and document
Room-by-room inspection, photos, measurements and a full contents inventory.
File and negotiate
We submit a supported claim, answer the carrier's questions and negotiate the scope.
Settle and rebuild
You review the settlement, then choose your own contractor to make repairs.
Fees
Fees that match the scope of the work.
Two kinds of work, two fee structures. Your exact fee is set out in a written contract before we begin.
Section 1
Claim support
Representation, inspections, appraisal and adjuster services. Your fee depends on the scope of the claim.
Claim services start at$750
RCV policies: share of the amount over the insurer's initial estimateup to 15%
Sliding scale: the larger the claim, the lower the percentage, never below 5%.
Other percentage-based work, up to20%
Appraisal services$750
Umpire services and argumentation$500 to $2,000
Umpire fees depend on how much argumentation your appraisal requires. Idaho bars a percentage fee if the insurer commits to pay policy limits within 72 hours. Arizona has its own fee rules.
Section 2
Estimating
Xactimate estimates and comparative estimates, priced by the size of the estimate. Contractors can also use a monthly plan.
Estimate-only fee: base, plus 1% of the estimate over $5,000$250
Formula: ($ estimate total minus $5,000) x 1% + $250.
- $5,000 or less
- $250
- $10,000
- $300
- $25,000
- $450
- $50,000
- $700
- $100,000
- $1,200
- $250,000
- $2,700
Measurement reports
Aerial or photo measurement reports, ordered when an estimate needs them. Priced per report.
Hover report$40 to $175
EagleView report$60 to $150
GAF QuickMeasure report$30 to $75
Price depends on the size and complexity of the property and the report type.
Monthly estimating plans for contractors start at $500 a month. See plan volumes and overage rates.
Your exact fee is always stated in a written contract before work begins. You are not required to hire a public adjuster.
See the full pricing guideDo I need a public adjuster?
Not every claim does. Small, clear losses often settle fine alone. Large, disputed or complex losses are where an adjuster tends to matter most. You are never required to hire one, and we will tell you honestly which yours is.
Can you help after the insurer has already made an offer?
Yes, in most cases. Send us the estimate and the denial or offer letter and we will review the gaps. Policy deadlines still apply, so do not wait.
Will hiring you raise my premiums or upset my insurer?
Carriers work with public adjusters every day. Filing a valid claim through a representative is your right as a policyholder.
Do you also do the repairs?
You choose your own contractor. We do not select or direct who does your repairs, and we disclose in writing any financial interest we have in a repair or construction firm, as state law requires.
Can I cancel after I sign?
Yes. Your contract spells out your cancellation rights, which vary by state. In Idaho you have three business days after signing to cancel by written notice.
How long does a claim take?
It depends on the size of the loss and the carrier. Many settle within a few months; larger or disputed claims take longer. We keep you updated at each stage.