Bellevue, WA public adjuster for water, slide and flood claims
Acuity Adjusters represents Bellevue homeowners, condo owners and building owners, from Somerset and Newport to West Bellevue, BelRed and the West Lake Sammamish shore. The city’s own hazard plan ties two notable landslides to broken water mains and values the buildings and contents in its 1% annual chance floodplain at about $862 million, so proving the cause comes first on a Bellevue claim. You pay nothing up front: we are paid only when you are paid.
We answer our phones 24/7/365. Licensed public adjusters for Oregon, Washington and California.
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Who we help in Bellevue
Bellevue owners who call us include:
- Hillside homeowners in Somerset, Newport, Cougar Mountain and Lakemont
- Lakefront owners in West Bellevue and along West Lake Sammamish Parkway
- Condo associations, landlords and businesses Downtown and in BelRed, Wilburton and Crossroads
Whether the claim is new, stalled or already denied, we can take it on.
The public adjusters who handle your claim
Delano Howell, founder and public adjuster
A Stanford University graduate and former NFL starting safety with the Indianapolis Colts, Delano has eight years of adjusting experience advocating for policyholders.
Randy Gower, public adjuster, appraiser and umpire
Nearly 30 years in adjusting: Claim Supervisor with COUNTRY Financial over seven offices in Oregon and Washington, more than 17 years as an Executive Adjuster with Adjusters International, and owner of Gower Adjusting and Appraisal Services since 2000.
Every client gets a dedicated claim adjuster, so you always know who is handling your file. Meet the team or verify our California license.
Bellevue claim profile
The 2025 City of Bellevue Hazard Mitigation Plan, approved by FEMA in November 2025, records these local events and exposures:
Somerset landslide, January 2022
In January 2022 a broken water main set off a landslide in the Somerset neighborhood that pushed one house off its foundation and left seven others deemed unsafe. When a utility line starts the slide, the claim turns on where the water came from and which exclusion the insurer cites.
West Lake Sammamish Parkway slide, January 2012
A January 2012 landslide, also caused by a water main break, closed a section of West Lake Sammamish Parkway Southeast for nine weeks and forced four homes to evacuate. The plan lists earlier slides on the same parkway, including one after a January 2001 storm.
Flood exposure by neighborhood
The plan puts about $862 million of buildings and contents in Bellevue’s 1% annual chance floodplain, led by West Bellevue at $291 million, West Lake Sammamish at $203 million and BelRed at $135 million. Bellevue had 396 flood insurance policies in force, and 66 flood claims had been paid for a total of $970,382.
Help in Bellevue after a loss
Where Bellevue owners can get help quickly:
- Life-safety emergency: Dial 911.
- Fire and rescue: Bellevue Fire Department.
- Building and repair permits: Bellevue Development Services.
- Washington claim guidance: OIC: filing a homeowner insurance claim.
What we do on a Bellevue claim
On a Bellevue file we trace the cause of loss first, then price the repair at what Bellevue-area contractors charge for comparable finishes and argue every reduction with the insurer; see our water damage, fire damage, storm damage and vandalism and theft claim pages for the details.
Where we work
In Washington, the Office of the Insurance Commissioner licenses public adjusters and explains how to file a home insurance claim. Outside Bellevue we handle claims throughout Washington, Oregon and Southern California; browse our service areas.
Bellevue claim questions
A water main broke above my Bellevue home and the slope moved. Is that covered?
It depends on the policy wording. Earth movement is usually excluded, but some policies cover damage that follows a sudden discharge of water, and a utility can be responsible for its own line. Bellevue’s plan ties both the 2022 Somerset slide and the 2012 West Lake Sammamish Parkway slide to water main breaks, so we preserve evidence of where the water came from.
Do Bellevue homes outside the flood map need flood insurance?
Homeowners policies exclude rising surface water whether or not the home is mapped, so only a flood policy pays for it. Bellevue had 396 flood policies in force against roughly $862 million of value in the 1% annual chance floodplain. If water came through a broken pipe or a damaged roof instead, homeowners coverage can apply.
Which office handles repair permits after a Bellevue loss?
Bellevue Development Services issues building permits, including for structural, roofing, electrical and plumbing repairs after a loss. Have the contractor pull permits before work starts so the insurer cannot point to unpermitted repairs.
How much does a public adjuster cost in Bellevue?
Nothing up front. Our fee is a percentage of your claim, and we are paid only when your insurance company pays you.
Talk to a Bellevue public adjuster about your claim
Tell us what happened. We’ll tell you what your policy owes you.
Call us any time, or send your claim details with the form. The first conversation is free.