Everett, WA public adjuster for landslide, wind and water claims
Acuity Adjusters handles Everett claims for homeowners, landlords and businesses, from Valley View and Lowell to Silver Lake and the neighborhoods above Port Gardner. Everett’s steep slopes have taken homes in past slides and strong wind reaches the city most years, and a carrier will read each kind of damage against a different clause. 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 › Everett, WA
Who we help in Everett
Everett property owners we represent:
- Homeowners on the slopes of Valley View, Lowell and southwest Everett
- Families in Silver Lake, Cascade View, Evergreen and Northwest Everett
- Owners of rentals and businesses downtown and near the Port Gardner waterfront
We help with new claims as well as ones that were underpaid or denied.
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.
Everett claim profile
The City of Everett 2024 Hazard Mitigation Plan (FEMA approval effective October 28, 2024) documents these local risks:
Valley View and 59th Street slides
In March 2011 a landslide in the Valley View neighborhood, near Burl Avenue and Panaview Boulevard, claimed two homes after heavy rain weakened already unstable slopes. In January 2022 another slide appeared to affect three homes near 59th St SW, the plan records.
287 structures in the 100-year flood zone
The plan maps 7,447 acres in Everett’s 100-year flood zone, holding 287 structures valued at about $174.5 million. Forty of those are single-family homes, with an estimated 103 residents inside the 1% annual chance flood boundary.
A significant windstorm most years
NOAA reported about 30 wind events in the Everett area from 2016 to 2021, and the plan says the city averages at least one significant windstorm a year. Five severe weather events involving wind were declared or proclaimed after the city’s 2018 plan was finished.
Everett offices for the days after a loss
Everett contacts that come up during a claim:
- Danger to life: Dial 911 for immediate danger.
- Fire department: Everett Fire Department.
- Building permits: Repairs usually go through Everett Permit Services.
- Filing in Washington: Follow the Insurance Commissioner page on filing a homeowner claim.
How we approach an Everett claim
On Everett claims we document wind, water and earth-movement damage separately, because each runs into a different part of the policy, then price repairs at Snohomish County contractor rates and negotiate what the carrier left out; our water damage, fire damage, storm damage and vandalism and theft pages cover each type in more depth.
Where we work
In Washington, the Office of the Insurance Commissioner licenses public adjusters and explains how to file a home insurance claim. Outside Everett we cover Snohomish County and the rest of Washington, Oregon and Southern California; see all service areas.
Everett claim questions
Is landslide damage covered for homes on Everett slopes like Valley View?
Most homeowners policies exclude earth movement, including landslides. Loss that follows from the slide, such as a fire or water from a broken pipe, may still be covered, so check the exact exclusion wording before accepting a denial. Everett’s 2024 plan records a 2011 Valley View slide that claimed two homes.
A windstorm dropped a tree on my Everett house. What does the policy pay?
Wind damage, and a tree that falls on the house or garage, are normally covered, including removing the tree from the structure, often up to a set limit. A tree that lands in the yard without hitting anything is often not covered for removal. Photograph the tree where it fell before cleanup starts.
My Everett home is in the mapped flood zone. Does homeowners insurance cover flooding?
No. Flood is excluded from standard homeowners policies and needs a separate flood policy, which lenders generally require for federally backed mortgages in mapped flood zones. Everett’s plan counts 287 structures in the 100-year flood zone.
How much does a public adjuster cost in Everett?
Nothing up front. Our fee is a percentage of your claim, and we are paid only when your insurance company pays you.
Talk to an Everett 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.