When your insurance company underpays, delays, or denies a Washington property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Washington property owners face severe wind events, atmospheric river flooding, and the chronic moisture exposure that compounds damage over time. Insurance recoveries here often hinge on documenting the full scope, not just the visible damage.
Common Washington claim types we handle: wind damage and tree-fall losses; water and flood claims from atmospheric river events; roof and structural damage from heavy rain; commercial property claims.
Washington’s severe wind and water events produce damage that frequently exceeds first-pass carrier estimates by significant margins.
Important Washington disclosure
This page is an advertisement and a solicitation for public adjusting business by William J. Addis, licensed public adjuster (individual license #1320332). 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 Washington (license #1320332).
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Washington 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. Washington 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 Washington, 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 Washington insurance regulator. License lookup links and contact information for the Washington insurance department are available on our Legal Disclaimers page.
Washington's loss profile is distinctive among the states where we represent policyholders. The state sees minimal hail and tornado activity, no hurricanes, but significant wildfire risk in eastern Washington, sustained windstorms (the famous Pacific Northwest "windstorm" events), heavy rainfall, ice events, and seismic exposure.
The events driving Washington claim work:
Eastern Washington wildfires. Eastern Washington has experienced major wildfires in recent years. Wildfire claims involve the full coverage stack — dwelling, contents, additional living expenses, code-upgrade coverage, and ordinance and law. If you were affected by the August 2026 fires near Spokane, start here: what to do in the first 30 days after a fire, which covers the Insurance Commissioner's emergency order and who to call. For rebuild code requirements, see which building code your Spokane rebuild has to meet.
Pacific Northwest windstorms. Western Washington's Pacific-driven windstorm events produce sustained high winds across wide areas, damaging roofing, siding, trees, and exterior systems. The November 2024 "bomb cyclone" produced widespread damage across the Puget Sound region.
Heavy rainfall and water intrusion. Western Washington's heavy rainfall produces water intrusion claims, particularly with windstorm events that damage roofing systems and create openings.
Ice storms (eastern Washington and Cascades). Ice events damage trees, roofs, and produce frozen pipe events.
Seismic exposure. Washington has significant earthquake risk (Cascadia subduction zone, Seattle fault). Most homeowners policies exclude earthquake damage, requiring a separate endorsement or DIC policy.
Volcanic activity (rare but present). Mount St. Helens and other Cascade volcanoes pose long-term risk that's typically excluded from standard policies.
Washington's insurance market is comparatively stable. Wildfire-zone properties in eastern Washington face elevated underwriting, but the state has not seen the availability crisis affecting California and Nevada.
Eastern Washington wildfire claims expose underinsurance and code-upgrade gaps. Smoke contamination claims are routinely settled as cleaning rather than restoration. See our Spokane wildfire claim guide for first steps.
Pacific Northwest windstorm events damage roofing, siding, gutters, and trees. Carriers regularly attribute storm damage to wear and tear; documentation matters.
Wind-damaged roofs and openings allow rainwater intrusion. Coverage typically applies as wind-driven rain, but the cause-of-loss determination matters significantly.
Pacific Northwest windstorms produce significant tree-fall damage. Coverage applies when trees damage covered structures, with limited removal coverage when no structure is damaged.
Ice storm damage to trees and roofing, frozen pipe events in mountain communities and second homes. Coverage typically applies but carriers contest occupancy and heat-maintenance.
Washington commercial claims involve building, contents, and BI coverage. Small businesses are routinely underpaid because the BI calculation isn't built correctly.
Washington regulates public adjusters under the Revised Code of Washington Title 48 (Insurance), enforced by the Washington Office of the Insurance Commissioner (OIC). Key requirements:
Washington's PA framework follows the NAIC model approach with the addition of an experience prerequisite. The catastrophic-event fee cap provides consumer protection during major declared events. Verify any adjuster's license through the Washington OIC consumer toolkit before signing.
Washington's largest homeowners insurance writers include:
Eastern Washington wildfire-zone properties face elevated underwriting and tightening availability. The Puget Sound region's market remains comparatively stable, though premiums have increased substantially since 2020.
Most Washington property insurance policies require prompt notice of loss. The suit-limitation period for filing a lawsuit on a denied claim varies by policy — typically 1-2 years from the date of loss in Washington. Don't assume your claim is past the deadline without checking the specific policy.
Generally yes — fire damage (including wildfire) is covered under standard Washington homeowners policies. Coverage applies to dwelling, other structures, contents, and additional living expenses. Total losses involve careful documentation of dwelling-coverage adequacy, code-upgrade requirements, and ALE entitlements.
Smoke damage from wildfires (a covered cause of loss) is itself typically covered under Washington homeowners policies. Carriers regularly underpay smoke claims by treating them as cleaning rather than restoration. Smoke contamination affects HVAC systems, contents, soft goods, and porous structural components in ways that require specialized restoration.
Generally yes — windstorm damage is "wind" damage, which is covered under standard Washington homeowners policies. Coverage applies to roofing, siding, fences, and structures damaged by sustained winds. Tree-fall damage to covered structures is also typically covered.
Generally no — earthquake damage is excluded from standard Washington homeowners policies. Coverage is available through a separate endorsement or DIC (Difference in Conditions) policy. Washington's seismic exposure (Cascadia, Seattle fault) makes earthquake coverage worth considering, though deductibles are typically high.
Washington imposes a 10% fee cap during catastrophic events. Outside catastrophic-event scenarios, fees are negotiated by contract with no statutory cap. Resolution Claims Consulting works on contingency only — a percentage of the recovery, agreed in writing before work begins.
Only if they hold an active Washington public adjuster license. Washington has an experience requirement before licensing, so the standard for Washington PA licensure is higher than in some other states. Most roofers and contractors don't hold this license. Verify any adjuster's license through the Washington OIC consumer toolkit before signing.
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.
