Oregon City, OR public adjuster for landslide, flood and historic home claims
Acuity Adjusters works for Oregon City homeowners, landlords and businesses, from Canemah and the McLoughlin neighborhood to hillside streets off South End Road and shops downtown. Where the Willamette and Clackamas rivers meet, high water and wet-season landslides cause the claims insurers dispute hardest, and older houses cost more to put back the way they were. 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 › Oregon City, OR
Who we help in Oregon City
Oregon City clients we represent include:
- Owners of older and historic houses in Canemah, the McLoughlin neighborhood and along the bluff above downtown
- Homeowners on hillside streets around South End Road, Newell Creek and Trillium Drive, where wet winters have set off landslides
- Businesses, apartment owners and landlords downtown, along Molalla Avenue and near Clackamette Park
We can start before you file, during the insurer’s review or after a low offer or a denial.
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.
Oregon City claim profile
What the city’s 2024 hazard plan addendum records about local damage:
Landslides, 2015 and 2017
In December 2015 landslides hit the Forest Edge Apartment Complex and forced the evacuation of all 41 apartments, and in 2017 slides affected Trillium Park, South End Road, Center Street and OR-224, according to the city’s July 2024 addendum to the Clackamas County Natural Hazard Mitigation Plan. Most homeowners policies exclude earth movement, which makes the cause in the report critical: water from a broken pipe or a storm can change the answer.
Floods where the rivers meet
The addendum places most flood-damaged buildings in the lowest part of the city, where the three waterways converge, and cites a 2024 state risk report estimating that 103 buildings could be damaged in a flood, a potential loss of $57.1 million. Significant floods also came in December 2015 and March 2017. River water is a flood policy matter; rain driven through a damaged roof is a storm damage claim.
Older and historic homes
One quarter of Oregon City homes were built before 1970, and the addendum lists 90 historic homes in Canemah, a National Register district, plus 376 individually designated historic homes in the McLoughlin Historic Conservation District. Rebuilding that kind of house after a fire or a water loss often costs more than an insurer’s first estimate allows.
Oregon City contacts after a loss
Offices Oregon City owners use most once damage has happened:
- Emergency Services: Dial 911 for immediate danger.
- Fire Department: Clackamas Fire District serves Oregon City.
- City Building Permits: Repair work usually requires permits from Oregon City Building Division.
- Policyholder Rights: Review the Oregon Insurance Consumer Resources.
Building an Oregon City claim
We document the damage room by room, price it the way a Clackamas County contractor would, including the extra cost of matching older materials, and negotiate the estimate with your insurer; read more on 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 Oregon City, we serve policyholders across Oregon, Washington and Southern California; see all of our service areas.
Oregon City claim questions
Does homeowners insurance cover landslide damage in Oregon City?
Usually not, because standard policies exclude earth movement. Damage from a separate covered cause, such as a burst pipe or a tree brought down by wind, may still be paid even when the ground has moved, so the cause needs to be documented early. In December 2015 a slide forced the evacuation of all 41 apartments at Forest Edge.
My Oregon City house is historic. Will the insurer pay to repair it properly?
That depends on your replacement cost terms and any ordinance or law coverage. With 376 designated historic homes in the McLoughlin district alone, many Oregon City repairs call for materials and methods a standard estimate leaves out, so we price the work the house actually needs and show the insurer why.
Is flooding from the Willamette or Clackamas River covered?
Not by a standard homeowners policy; river flooding is paid under a separate flood policy. The city’s 2024 addendum estimates 103 buildings could be damaged in a flood. If the same storm also damaged your roof or brought down trees, that part is a homeowners claim, and we keep the two apart.
How much does a public adjuster cost in Oregon City?
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 Oregon City 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.