Lake Oswego, OR public adjuster for lakefront, flood and sewer backup claims
Acuity Adjusters represents Lake Oswego homeowners, landlords and businesses, from houses on Oswego Lake and its bays to First Addition bungalows and offices near Kruse Way. The lake, the Oswego Canal and the Tualatin River have flooded homes and businesses here before, and in higher-value houses every line of an estimate matters. 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 › Lake Oswego, OR
Who we help in Lake Oswego
Lake Oswego owners we represent include:
- Owners of lakefront and lake-access homes on Oswego Lake, Lakewood Bay, West Bay and the Blue Heron Canal
- Homeowners in First Addition, Forest Highlands, Palisades and Westlake, many in larger custom houses
- Businesses and condo owners along State Street, in Oswego Pointe and around Kruse Way
Bring us the claim early, mid-negotiation or after a denial; we pick it up wherever it stands.
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.
Lake Oswego claim profile
Records from the city’s 2024 hazard plan addendum and its flood insurance page:
The 1996 flood around the lake
In the 1996 flood, homes around Oswego Lake and its bays and canals, businesses along State Street from the railroad crossing south to North Shore Road, and apartments, businesses and carports in the Oswego Pointe area all suffered severe water and structural damage, according to Lake Oswego’s July 2024 addendum to the Clackamas County Natural Hazard Mitigation Plan. The addendum says the later dam spillway project means flooding is no longer expected there, apart from minor roadway flooding less than a foot deep.
Flood maps on the lake and canal
Lake Oswego has taken part in the National Flood Insurance Program since 1977. Maps adopted in 2008 raised base flood elevations along the Tualatin River, Oswego Lake, the main canal and the bays, and a FEMA Letter of Map Revision dated August 24, 2012 lowered them on Oswego Lake, the Blue Heron Canal, Lakewood Bay and West Bay after the spillway work, according to the city’s flood insurance page. The flood elevation on your lot shapes your flood coverage and how a water loss is handled.
Sewer overflow, January 2009
Heavy rain after a winter storm on January 1 and 2, 2009 caused a sewer interceptor overflow on Cardinal Drive near the Oswego Canal that released about 226,000 gallons of wastewater, the addendum records. Sewage backing up into a house is usually covered only with a sewer backup endorsement, so check for one before the rainy season.
Lake Oswego offices for emergencies and repairs
Lake Oswego contacts to have ready when a loss happens:
- Emergency Services: Dial 911 for immediate danger.
- Fire Department: Lake Oswego Fire Department.
- City Building Permits: Repair work usually requires permits from Lake Oswego Building Services.
- Policyholder Rights: Review the Oregon Insurance Consumer Resources.
How we build a Lake Oswego claim
Lake Oswego homes often carry custom finishes, so we inspect with you, price each item at what a quality Clackamas County contractor would charge for that grade of work and negotiate it with the insurer; 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 Lake Oswego, we serve policyholders across Oregon, Washington and Southern California; see all of our service areas.
Lake Oswego claim questions
Is flooding from Oswego Lake or the Tualatin River covered by homeowners insurance?
No. Standard homeowners policies exclude flood, which is covered by a separate flood policy. The city has been in the National Flood Insurance Program since 1977, and the 2012 map revision changed flood elevations on Oswego Lake, the Blue Heron Canal, Lakewood Bay and West Bay, so lakefront owners should confirm their zone and coverage.
Does my policy cover sewer backup in Lake Oswego?
Only if you added sewer and drain backup coverage, which most standard policies leave out. Rain-driven overflows have happened here: in January 2009 about 226,000 gallons of wastewater spilled from a sewer interceptor on Cardinal Drive.
Where do I get a repair permit in Lake Oswego?
From Lake Oswego Building Services, linked above. Keep the permit and inspection records: if your policy has ordinance or law coverage, code-required upgrades can be added to the claim.
How much does a public adjuster cost in Lake Oswego?
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 Lake Oswego 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.