Public adjuster for Sammamish, WA homes hit by wind, water or landslides
Acuity Adjusters represents Sammamish homeowners in claims against their own insurer, from Klahanie and Trossachs to Pine Lake and the Lake Sammamish shore. Tall second-growth trees, steep western and northern slopes and lakeshore flooding mean storm, slope and water losses here can be large, and insurers look hard at large claims. 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 › Sammamish, WA
Who we help in Sammamish
Sammamish policyholders we work for include:
- Owners of custom and production homes in Klahanie, Trossachs, Beaver Lake and on the Plateau, where finishes cost more to replace than an estimate built on average pricing allows
- Lakefront owners along Lake Sammamish and Pine Lake
- Landlords with rental homes and owners of small commercial buildings in the city
Call us whether you are about to file, waiting on a decision, or holding a low offer or a denial letter.
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.
Sammamish claim profile
City and King County records point to three hazards Sammamish owners should plan for:
Bomb cyclone, November 2024
Winds and rain that began on November 19, 2024 toppled trees and knocked out power across Sammamish, and the city manager proclaimed a civil emergency on November 22. By January 2025 the city had asked for $2,235,902 in federal reimbursement, and Beaver Lake Preserve was still closed by hazardous trees. Trees on houses and garages are storm damage claims.
Lake Sammamish flood, February 2020
In February 2020 Lake Sammamish peaked at 31.17 feet, its second-highest level since the Sammamish River flood project was built in 1965, according to King County. The county’s flood FAQ also explains why some lakeshore crawlspaces and basements outside the mapped floodplain still take on water.
Landslide risk on the plateau
Sammamish sits on a plateau roughly 500 feet up, and the city’s hazard mitigation plan annex says nearly all of its western and northern edges are under threat of landslide, with 786 buildings inside mapped landslide hazard areas. A 1982 landslide damaged more than 800 feet of Sahalee Way, and repairs took over a year and a half.
Help in Sammamish after a loss
Start here if you need emergency help or permits for repairs in Sammamish:
- Emergency Services: Dial 911 for immediate danger.
- Fire Department: Eastside Fire & Rescue serves Sammamish.
- City Building Permits: Repair work usually requires permits from the Sammamish Permit Center.
- Policyholder Rights: Review the Insurance Commissioner’s guide to filing a homeowner insurance claim.
Pricing a Sammamish claim
Sammamish homes often carry custom finishes, so we price every line at what a quality King County contractor charges for that work and support it with photos and measurements; see how we handle water damage, fire damage, storm damage and vandalism and theft claims.
Where we work
In Washington, the Office of the Insurance Commissioner licenses public adjusters and explains how to file a home insurance claim. Besides Sammamish, we serve policyholders across Washington, Oregon and Southern California; see all of our service areas.
Sammamish claim questions
Is landslide damage to my Sammamish home covered?
Earth movement, including landslides, is excluded from most homeowners policies. Damage from a burst pipe, a fire or a falling tree during the same event can still be covered, so we separate the causes in the estimate. The city’s hazard plan maps 786 buildings in landslide hazard areas.
Who pays for tree removal after a Sammamish windstorm?
When a tree lands on your house or garage, the policy usually pays to remove it and repair the damage; a tree that falls without hitting anything insured is often not covered, or only to a small limit. After the November 2024 bomb cyclone the city allowed removal of storm-damaged trees that had become an imminent threat, with photo documentation required, according to its storm updates, so photograph every tree before it is cut.
My Lake Sammamish home flooded in a winter storm. Will homeowners insurance pay?
Rising lake water is flood, which standard homeowners policies exclude; it is covered only by a flood policy. The city’s hazard plan counts 254 buildings in the FEMA 100-year floodplain, mostly lakefront properties. If water came from a broken pipe or through storm damage instead, that part can fall under homeowners coverage, and we document it separately.
How much does a public adjuster cost in Sammamish?
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 Sammamish 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.