Hillsboro, OR public adjuster for ice storm, flood and smoke claims
Acuity Adjusters represents Hillsboro policyholders, from Orenco Station townhomes and Tanasbourne apartments to older houses near downtown and businesses along TV Highway. Ice storms drop heavy limbs onto roofs here, and Rock Creek, McKay Creek, Dawson Creek and the Tualatin River all run through the city when the rain does not let up. 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 › Hillsboro, OR
Who we help in Hillsboro
Most of the Hillsboro claims we take on come from one of these groups:
- Homeowners in Orenco, AmberGlen, South Hillsboro and the older streets around downtown and the courthouse
- Landlords and rental owners with units near Rock Creek, Dawson Creek or McKay Creek
- Shop, office and industrial owners along TV Highway, Cornell Road and the Sunset Highway tech corridor
Call us whether the insurer has not answered yet, has offered too little or has written to say no.
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.
Hillsboro claim profile
Three entries from the city’s 2023 hazard annex that shape claims in Hillsboro:
Ice storm, February 11 to 14, 2021
Between February 11 and 14, 2021, freezing rain, heavy snow and gusts up to 50 mph produced what the Hillsboro annex of the March 2023 Washington County Natural Hazard Mitigation Plan calls a five-day ice storm, with downed tree limbs and power outages across the city. Ice-laden branches through a roof or gutter line are a storm damage claim; a supply line that freezes and splits while the power is out is a water damage claim.
Creek flooding and flood policies
The same annex counts about 226 structures in Hillsboro exposed to flood risk, 105 flood insurance policies in force and 15 flood claims paid for a total of $178,860. Flood policies and homeowners policies cover different causes, so we start every water loss by tracing where the water came in.
Wildfire smoke, September 2020
No wildfire burned inside the city in September 2020, but smoke from fires in and beyond the county pushed the Air Quality Index in Hillsboro to between 199 and 317, the annex records. Soot in ductwork, carpets and soft furnishings can belong in a fire and smoke claim even when the flames were far away.
Hillsboro offices to keep on hand
Before and during repairs, these are the Hillsboro contacts most owners need:
- Emergency Services: Dial 911 for immediate danger.
- Fire Department: Hillsboro Fire & Rescue.
- City Building Permits: Repair work usually requires permits from the Hillsboro Development and Permit Center.
- Policyholder Rights: Review the Oregon Insurance Consumer Resources.
What we do on a Hillsboro claim
On a Hillsboro loss we walk the property with you, write the repair scope at Washington County contractor prices, including any city permit work, and take it to your insurer line by line; each claim type is explained on our water damage, fire damage, storm damage and vandalism and theft pages.
Where we work
In Oregon, the Division of Financial Regulation licenses public adjusters and helps consumers with insurance problems. Besides Hillsboro, we serve policyholders across Oregon, Washington and Southern California; see all of our service areas.
Hillsboro claim questions
Is ice storm damage to my Hillsboro home covered?
Usually, yes. Weight of ice and snow and falling trees are covered causes under most homeowners policies, and the February 2021 storm brought down limbs all over Hillsboro. Photograph the damage before cleanup and keep receipts for tree work and tarping; we then check the roof, siding, fences and gutters, not only the spot where the branch landed.
Do I need flood insurance in Hillsboro?
If your property sits near Rock Creek, McKay Creek, Dairy Creek or the Tualatin River, it is worth a look. Standard homeowners policies exclude flood, and the city’s 2023 hazard annex counts 105 flood policies in force against about 226 exposed structures. A burst pipe is a separate cause that a homeowners policy often covers, while sewer backup is usually an add-on.
Where do I get a repair permit in Hillsboro?
Through the City of Hillsboro Development and Permit Center, linked in the list above. Permit fees and work needed to meet current code can be part of a claim when your policy includes ordinance or law coverage, so keep the permit paperwork with your claim file.
How much does a public adjuster cost in Hillsboro?
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 Hillsboro 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.