Eugene, OR public adjuster for ice storm, snow and wildfire claims
Acuity Adjusters takes on insurance claims for Eugene homeowners, landlords and businesses, from South Hills houses under tall firs to student rentals near the University of Oregon and shops close to the river. Ice, heavy snow and the 2020 Labor Day fire weather have all left their mark on Eugene, and each brings claims that are easy to underpay. 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.
Home › Service areas › Eugene, OR
Who we help in Eugene
In Eugene we work with:
- Homeowners in the South Hills, Friendly, Fairmount and Crest areas, where big trees stand over roofs
- Landlords with houses and apartments rented to students around the University of Oregon and in West University
- Owners of homes and businesses in River Road, Santa Clara, the Whiteaker and along the Willamette riverfront
Whether you are about to file, waiting on the insurer or holding a low offer, we can take it from there.
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.
Eugene claim profile
Dated events from the City of Eugene’s 2025 hazard mitigation annex:
Ice storm, January 2024
From January 12 to 27, 2024, a severe winter storm (federal disaster DR-4768) left more than 4 inches of ice in Eugene and caused over 38,000 power outages, according to the City of Eugene’s May 2025 annex to the Lane County Multi-Jurisdictional Natural Hazards Mitigation Plan, which puts estimated damage across Lane County at $35 million. Limbs through a roof are a storm damage claim; pipes that froze while the heat was off are a water damage claim.
Snowstorm, February 25 to March 1, 2019
A severe winter storm (DR-4432) dropped 9 to 12 inches of heavy snow on Eugene in late February 2019, the same annex records. Snow load can crack rafters and bring down carports, awnings and patio covers, and that damage is not always visible from the ground.
Labor Day fires and wind, September 2020
The annex lists the Labor Day fires and straight-line winds of September 8 to 14, 2020 (DR-4562), and 14 days that fire season when Eugene air was unhealthy for sensitive groups or worse. Smoke residue in insulation, ducts and contents can be part of a fire and smoke damage claim.
Eugene contacts for emergencies and permits
Contacts Eugene owners need in the first days after a loss:
- Emergency Services: Dial 911 for immediate danger.
- Fire Department: Eugene Springfield Fire serves Eugene and Springfield.
- City Building Permits: Most structural repairs go through City of Eugene Building and Permit Services.
- Policyholder Rights: Review the Oregon Insurance Consumer Resources.
Working a Eugene claim
For a Eugene loss we inspect alongside you, cost the repairs at Lane County contractor rates and press the insurer on anything its adjuster left out; if your claim has already been turned down, start with our guide on what to do when an insurance claim is denied, and see our water damage, fire damage, storm damage and vandalism and theft claim pages.
Where we work
In Oregon, the Division of Financial Regulation licenses public adjusters and helps consumers with insurance problems. Besides Eugene, we serve policyholders across Oregon, Washington and Southern California; see all of our service areas.
Eugene claim questions
Is ice storm damage covered in Eugene?
Most homeowners policies cover damage from the weight of ice and from falling trees, which is what many Eugene owners faced in January 2024. Payment for removing a tree that did not hit a structure is often limited, so photograph where each tree landed. We then inspect the whole roof, gutters and siding, since ice damage is easy to miss.
Does my policy cover flooding from the Willamette River?
No, standard homeowners policies exclude flood, which is insured separately. Eugene had 509 flood insurance policies in force in June 2024, according to the city’s 2025 annex. Water from a burst pipe, or rain coming through storm damage, is a different cause and is often covered.
Can I claim smoke damage in Eugene when the fire was miles away?
Often, yes. Smoke is a covered cause under most homeowners policies even when the fire is far off. The city’s annex counts 14 days of unhealthy air in the 2020 fire season and 15 in 2023; if smoke got into ducts, insulation or contents, we document and price the cleanup.
How much does a public adjuster cost in Eugene?
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 Eugene 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.