Winter storms and ice dams
Ice backs up under shingles, snow loads the roof and meltwater ends up in ceilings and walls. The damage often shows weeks after the storm.
Idaho public adjuster
A licensed Idaho public adjuster, based in Ammon.
We represent Idaho homeowners, landlords and business owners in property insurance claims, from the first inspection to the final payment. We are based in Ammon, next to Idaho Falls in eastern Idaho.
Idaho claims
The losses Idaho owners call us about.
Idaho weather is hard on buildings in every season. These are the claims it produces most often.
Frozen and burst pipes
A hard cold snap splits a pipe, and the water runs until someone finds it. Drying and repairs both belong in the claim.
Wind and hail
Spring and summer storms damage roofs, siding, gutters and windows. Disputes over repair versus replacement are common.
Fire and smoke
House fires, plus smoke and soot that reach rooms the flames never touched.
We also handle theft and vandalism, commercial losses and denied or underpaid claims. See every claim we handle.
Your rights in Idaho
Hiring a public adjuster in Idaho.
Idaho regulates public adjusters and gives policyholders specific protections. Here is what that means when you hire us.
How a claim works, step by step- Licensed by the state. Public adjusters in Idaho are licensed by the Idaho Department of Insurance. Ours is license 3002285915.
- Bonded. We are bonded as Idaho requires.
- A written contract first. Your fee and your cancellation rights are set out in writing before we begin.
- Three business days to cancel. After you sign, you can cancel by written notice within three business days.
- The 72-hour rule. Idaho bars a percentage fee if the insurer commits to pay policy limits within 72 hours.
- Your contractor, your choice. You decide who makes the repairs.
Do I need a public adjuster for my Idaho claim?
Not always. A small, clear loss often settles fine without help. A large loss, a denial or an estimate that leaves out damage is where a public adjuster tends to matter most. The first review is free, and we will tell you honestly whether you need us.
What does a public adjuster cost in Idaho?
Claim services start at $750. On replacement cost policies the fee is up to 15% of the amount recovered over the insurer's initial estimate, on a sliding scale that never goes below 5%. Idaho bars a percentage fee if the insurer commits to pay policy limits within 72 hours. Your exact fee is in your written contract.
Can I cancel after I sign in Idaho?
Yes. In Idaho you have three business days after signing to cancel by written notice. Your contract spells out your cancellation rights.
Do you only work near Idaho Falls?
No. We are based in Ammon, next to Idaho Falls, and we are licensed to represent policyholders anywhere in Idaho.
My claim was already denied. Is it too late?
Often not. Send us the denial letter, the carrier's estimate and your policy for a free review. Policy deadlines still apply, so do not wait.
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.