When your insurance company underpays, delays, or denies a Nevada property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Nevada policyholders face wildfire, severe wind events, and flash flooding — losses that carriers commonly deny on causation grounds. Properly documented claims tell a different story.
Common Nevada claim types we handle: fire losses including total losses and smoke contamination; wind damage; flash flood claims; commercial property losses.
Important Nevada disclosure
This page is an advertisement and a solicitation for public adjusting business by William J. Addis, licensed public adjuster (individual license #3876040). If you have an existing claim and are satisfied with your insurance carrier's offer, you may disregard this advertisement. Hiring a public adjuster is your choice — you have the right to negotiate your own claim, hire an attorney instead, or proceed without representation.
William J. Addis is licensed as a non-resident public insurance adjuster in Nevada (license #3876040).
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Nevada law. Before signing any public adjuster contract, you have the right to review the contract terms, ask questions about the fee structure and services, and seek independent legal advice if desired. Nevada requires written contracts for all public adjusting services; you should never pay a public adjuster before claim settlement, and you should never sign a contract that doesn't clearly state the fee.
Past results described on this website reflect outcomes achieved in specific prior claims; they are not guarantees, predictions, or warranties of future outcomes. Each claim is unique, and the outcome depends on the policy language, the facts of the loss, the carrier's position, and other factors that cannot be predicted in advance. Resolution Claims Consulting, LLC is licensed as a public adjusting firm in Illinois, Rhode Island, Colorado and Minnesota. In Nevada, services are provided by William J. Addis under his individual license. We are not attorneys and do not provide legal services. If your claim involves a legal dispute that requires litigation, we may recommend you consult with a licensed attorney.
Verify our license through the Nevada insurance regulator. License lookup links and contact information for the Nevada insurance department are available on our Legal Disclaimers page.
Nevada's property insurance landscape is shaped by wildfire risk and increasingly volatile storm patterns. Unlike states whose claim volume comes from hail and hurricanes, Nevada's most expensive insured losses tend to be fires — and the regulatory environment has tightened sharply in the last several years as carriers respond.
The events driving claim work:
Wildfire — the dominant loss driver. The 2018 Martin Fire was the largest wildfire in Nevada history. The 2024 York Fire burned approximately 143,000 acres along the Nevada-California border. The 2024 Rabbit Fire affected another 18,000 acres. The 2024 Davis Fire near Reno destroyed homes and forced major evacuations. Each event produces a wave of total-loss claims, smoke-damage claims, additional living expense claims, and code-upgrade disputes that can take years to fully resolve.
Wildfire-driven non-renewals. In 2023, more than 481 Nevada homeowners policies were cancelled or non-renewed specifically for wildfire risk, with major carriers including Farmers tightening their Nevada underwriting. Non-renewal does not release the carrier from existing claim obligations, but it does change the dynamic of supplemental claims.
Hurricane Hilary, August 2023. The remnants of Hurricane Hilary produced flash flooding across southern Nevada, including significant damage in Las Vegas. Standard homeowners policies don't cover flood damage, so coverage hinges on whether the damage was wind-driven rain, sewer backup, or otherwise covered.
The 2008 Wells earthquake. A 6.0 magnitude earthquake near Wells produced approximately $15 million in damage. Earthquake coverage in Nevada is typically a separate endorsement or policy. Most homeowners are surprised to learn their policy doesn't cover earthquake damage by default.
Commercial fire losses. Nevada's commercial property exposure — particularly in the Las Vegas metro and Reno — produces significant fire losses.
Wildfire claims involve the full coverage stack — dwelling, other structures, contents, additional living expenses, and code-upgrade coverage. Carriers regularly underpay on contents (Coverage C) and ALE (Coverage D) even when the structural loss is paid in full. Documentation of pre-loss condition and accurate replacement-cost calculation matters enormously.
Homes that survive a wildfire often have substantial smoke and ash damage. Carriers typically attempt to handle this as cleaning when actual restoration is required — affecting HVAC systems, soft goods, insulation, drywall, and porous building materials. The cost difference between cleaning and restoration is usually 5–10×.
Nevada commercial fire claims involve building damage, contents, business interruption, extra expense, and ordinance-and-law coverage. We've recovered seven figures on Nevada commercial fire claims where the carrier originally denied coverage entirely.
Flooding from events like Hurricane Hilary often produces coverage disputes. Standard policies exclude flood, but wind-driven rain and sewer backup may be covered. The cause-of-loss analysis matters.
Nevada building codes have tightened in recent years, particularly for wildfire-resilient construction. Replacement claims must include code-required upgrades, but carriers regularly omit them from initial estimates.
Wildfire claims produce extended ALE needs that often run for 12–24 months while properties are rebuilt. Carriers sometimes attempt to cap ALE early or deny extensions. Properly framed ALE documentation is critical.
Nevada regulates public adjusters under NRS Chapter 684A, enforced by the Nevada Division of Insurance. Key requirements:
Resolution Claims Consulting, LLC is not licensed as a firm in Nevada. Public adjuster services in Nevada are provided by William J. Addis as the individually licensed PA (Nevada License #3876040). This distinction matters legally — the licensed individual is the entity providing services, not the LLC.
Nevada's largest homeowners insurance writers include:
The Nevada market has tightened sharply since 2022. Wildfire risk modeling has caused several carriers to reduce or cease writing in high-risk zones, increase wildfire deductibles, or apply coverage limitations. Homeowners with active claims who get non-renewed for the next term still have full claim rights under their in-force policy — non-renewal doesn't release the carrier from existing obligations.
Under Nevada Administrative Code 686A.675, insurers must acknowledge a claim within 20 working days and respond to a Proof of Loss within 30 days. If your carrier is missing these deadlines, that's a regulatory violation you can document and report to the Nevada Division of Insurance.
Often, yes. Wildfire denials are sometimes based on partial information or incorrect cause-of-loss analysis. If you're within the policy's notice and suit-limitation deadlines, send us your denial or offer letter and we'll review it.
Standard Nevada homeowners policies cover wildfire damage to the dwelling (Coverage A), other structures like detached garages or sheds (Coverage B), personal property/contents (Coverage C), and additional living expenses while you're displaced (Coverage D). Smoke damage to surviving homes is also covered. The scope is broader than most homeowners realize — and carriers regularly underpay on the non-dwelling coverages.
Non-renewal at the end of your policy term doesn't affect your active claim — that obligation continues to resolution under the in-force policy. For replacement coverage, the Nevada Division of Insurance can help identify carriers still writing in your area. The Nevada Insurance Assistance Plan (NIA) is the residual market for properties that can't get standard coverage.
Generally no. Earthquake coverage in Nevada is typically a separate endorsement or standalone policy. The 2008 Wells earthquake exposed how few Nevada homeowners had this coverage. If you have an active earthquake claim, the coverage and deductibles are governed by the specific endorsement or earthquake policy.
It depends on the cause. Standard homeowners policies exclude flooding from rising water — that's covered only by separate NFIP flood insurance. But damage from wind-driven rain through a damaged roof or window, or from sewer backup with the appropriate endorsement, may be covered. The cause-of-loss documentation matters.
Nevada has no statutory fee cap. William J. Addis works on contingency — a percentage of the recovery agreed in writing before work begins. There are no upfront fees and no fee owed if no recovery is obtained.
The statutes, dollar figures, weather event data, regulatory rules, and market information cited on this page are drawn from the following sources. Information is current as of the date this page was last updated; insurance regulations and market data change — verify current rules with each state's Department of Insurance before relying on them for any specific claim or decision.
Tell us briefly what happened. We will review your policy and the insurer’s offer, then tell you straight whether there is more to recover — and how much.
This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
