Renton, WA public adjuster for underpaid water, storm and fire claims
Acuity Adjusters takes on insurance claims for Renton homeowners, landlords and businesses, from Highlands ramblers to Kennydale lakefront homes and shops in downtown Renton. The Cedar River set a new flood record in December 2025, and the city’s hazard plan also records earthquake damage from 1965 and 2001; both kinds of loss are easy for an insurer to dispute. 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 › Renton, WA
Who we help in Renton
Renton clients we represent include:
- Owners of post-war ranches in the Highlands and Earlington and split-levels on Talbot Hill, in Tiffany Park and in Maplewood Heights
- Owners of lakefront and rebuilt homes in Kennydale and along Lake Washington Boulevard, and condo owners at Southport and The Landing
- Businesses and landlords in downtown and North Renton, along Rainier Avenue and in the Sunset area
We can step in before you file, or after the insurer has paid too little or said 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.
Renton claim profile
River, flood and earthquake records for Renton, with dates:
Cedar River record flood, December 2025
Between December 8 and 30, 2025, the Cedar River near Renton reached a record peak flow of 12,500 cubic feet per second, beating the 10,600 cfs record set in 1990, according to the King County Flood Control District; the flood damaged nearly 170 flood protection facilities across the county. River water inside a home is a flood loss, while rain through a storm-damaged roof is a storm damage claim.
Levees through downtown
The last 1.25 miles of the Cedar River through Renton is the only stretch fully lined with levees, protecting downtown homes and businesses, the Boeing Company and Renton Municipal Airport, according to King County. The city’s draft hazard mitigation plan puts damage and response costs from repeated moderate floods over the last two decades at nearly $22 million.
Nisqually earthquake, 2001
The magnitude 6.8 Nisqually earthquake in 2001 left Renton with cracked masonry and collapsed chimneys, and the 1965 Puget Sound earthquake caused severe damage to the Boeing plant, the same draft plan records. A water damage claim from a pipe broken in a quake depends on your policy wording, so read it before you need it.
Renton offices that can help
For emergencies, permits and policyholder questions in Renton:
- Emergency Services: Dial 911 for immediate danger.
- Fire Department: Renton Regional Fire Authority serves Renton.
- City Building Permits: Repair work usually requires permits from the Renton Permit Center.
- Policyholder Rights: Review the Insurance Commissioner’s guide to filing a homeowner insurance claim.
How a Renton claim is handled
For Renton losses we price repairs at King County contractor rates, document damage the first inspection missed and negotiate until the claim is paid; details are on our water damage, fire damage, storm damage and vandalism and theft claim pages.
Where we work
In Washington, the Office of the Insurance Commissioner licenses public adjusters and explains how to file a home insurance claim. Besides Renton, we serve policyholders across Washington, Oregon and Southern California; see all of our service areas.
Renton claim questions
Does homeowners insurance cover Cedar River flooding in Renton?
No. River flooding is excluded from standard homeowners policies and is paid under a separate flood policy. Damage the same storm caused in other ways, such as a tree through the roof, is a homeowners claim, and we keep the two apart so neither insurer can push the whole loss onto the other.
Is earthquake damage in Renton covered?
Only if you bought earthquake coverage, because standard homeowners policies exclude earth movement. Fire that follows an earthquake is generally covered even without it. In 2001 the Nisqually earthquake cracked masonry and brought down chimneys in Renton, so check your policy before the next one.
How should I document flood or storm damage in Renton?
Photograph and film every room before cleanup, keep damaged items until the adjuster has seen them, and save every receipt. After the December 2025 flood the City of Renton asked residents to report damage to King County through its residential and business impact surveys; do that too, but it is not an insurance claim.
How much does a public adjuster cost in Renton?
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 Renton 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.