# Blue Star Adjusters

> Blue Star Adjusters LLC is a licensed public adjusting firm representing policyholders (homeowners and businesses)—never insurance companies—on property damage insurance claims across California, Nevada, Oregon, Washington, Arizona, Colorado, Utah, and Hawaii. A senior adjuster leads every claim from initial review to final settlement. No upfront cost; contingency fee based on recovery.

## Firm Details & Verified Licenses
- **Founding Principal:** Michael Rapport
- **Head Office:** 1610 R Street, Suite 300, Sacramento, CA 95811
- **Toll-Free Phone:** (888) 971-2524
- **Hours:** Monday to Friday, 9 AM to 5 PM Pacific (same business day callback)
- **Email:** mike@bluestaradjusters.com
- **Associations:** National Association of Public Insurance Adjusters (NAPIA), Pacific Coast Association of Public Insurance Adjusters (PCAPIA)
- **State Firm Licenses:**
  - California: CA DOI License No. 6015234
  - Nevada: Firm License No. 4263596
  - Oregon: Firm License No. 3004448214
  - Washington: Firm License No. 1382428
  - Arizona: Firm License No. 3004469742
  - Colorado: Firm License No. 969283
- **Local Office Lines:**
  - Sacramento, CA: (916) 507-1005
  - Santa Monica / Los Angeles, CA: (213) 572-6005
  - San Francisco, CA: (628) 300-0741
  - Reno, NV: (775) 993-5511
  - Portland, OR: (971) 610-0741
  - Seattle, WA: (564) 465-4550
  - Scottsdale, AZ: (480) 933-1557

## Pages
- [Public Adjuster in California | Blue Star Adjusters](https://bluestaradjusters.com/): A public adjuster works for you, not your insurer. Blue Star measures the full loss and negotiates your claim. Licensed in California. No upfront cost.
- [Public Adjusting Firm in Sacramento | Blue Star Adjusters](https://bluestaradjusters.com/about/): Blue Star Adjusters is a licensed public adjusting firm in Sacramento. A senior adjuster leads every claim. See all six firm licenses and check each one.
- [Michael Rapport, Public Adjuster | Blue Star Adjusters](https://bluestaradjusters.com/about/michael-rapport/): Michael Rapport, public adjuster and Founding Principal of Blue Star Adjusters. Top producer across hundreds of losses. Free claim review, no upfront cost.
- [Public Adjuster Services in California | Blue Star Adjusters](https://bluestaradjusters.com/claims/): Fire, smoke, water, wind and contents claims for homes and businesses. A licensed public adjuster reads your policy, measures the loss and negotiates.
- [Loss of Use Homeowners Insurance: ALE Claims | Blue Star](https://bluestaradjusters.com/claims/additional-living-expenses/): Loss of use pays the extra cost of living elsewhere after a covered loss. We quantify the ALE you're entitled to: a comparable rental, meals, mileage.
- [Ordinance or Law Coverage: Code Upgrade Claims | Blue Star](https://bluestaradjusters.com/claims/code-upgrades/): Ordinance or law coverage pays to rebuild to current code after a covered loss. How Coverage A, B and C work, California's rules, and how we claim it.
- [Commercial Public Adjuster for Business Claims | Blue Star](https://bluestaradjusters.com/claims/commercial/): Commercial public adjuster for business claims. Lost income, contingent business interruption, tenant improvements, equipment and code. Free review.
- [Personal Property Insurance Claims | Blue Star Adjusters](https://bluestaradjusters.com/claims/contents-valuables/): Contents claim after a fire or total loss? We build the inventory room by room, value art and wine properly, and go after the depreciation held back.
- [Home Insurance Claim Denied or Underpaid? | Blue Star](https://bluestaradjusters.com/claims/denied-or-underpaid/): Home insurance claim denied or underpaid in California? Read the letter, write down your deadlines, then get the loss measured again. Free claim review.
- [Fire Insurance Claims and Smoke Damage | Blue Star Adjusters](https://bluestaradjusters.com/claims/fire-smoke-damage/): A fire insurance claim should pay for heat and smoke damage past the burn line. We measure and document the full loss. No upfront cost. CA DOI 6015234.
- [Public Adjuster for Home Insurance Claims | Blue Star](https://bluestaradjusters.com/claims/residential/): A public adjuster for your home insurance claim, working for you. We measure the dwelling, contents and living costs the carrier missed. Free review.
- [Water Damage Insurance Claims | Blue Star Adjusters](https://bluestaradjusters.com/claims/water-damage/): A water damage insurance claim turns on cause, timing and proof. We map the moisture, prove why the pipe failed and scope the tear out before it dries.
- [Wildfire Insurance Claims in California | Blue Star](https://bluestaradjusters.com/claims/wildfire/): Total loss or standing home, a wildfire insurance claim in California has its own deadlines. See what you're owed and when to call a public adjuster.
- [Roof Claims: Wind, Hail and Fallen Trees | Blue Star](https://bluestaradjusters.com/claims/wind-hail-trees/): Wind, hail or a fallen tree damaged your roof? We document the lost roof life, the framing and the storm date, then negotiate your roof insurance claim.
- [Contact Blue Star Adjusters | Licensed Public Adjusters](https://bluestaradjusters.com/contact/): Call (888) 971-2524, Monday to Friday, 9 AM to 5 PM Pacific, or send your claim for review. We call back the same business day. Head office in Sacramento.
- [When Is It Too Late to Hire a Public Adjuster? | Blue Star](https://bluestaradjusters.com/faq/): Rarely, while your claim is open. See the deadlines that can make it too late, plus straight answers on public adjuster fees, timing and your rights.
- [Public Adjuster Fees, Explained: No Upfront Cost | Blue Star](https://bluestaradjusters.com/fees/): Public adjuster fees are usually a percentage of the recovery, with no upfront cost. What California law requires in the contract, and what it forbids.
- [What to Do After a House Fire: 48 Hours | Blue Star](https://bluestaradjusters.com/first-48-hours/): What to do after a house fire, in order: who to call, what to photograph, which receipts to keep and what not to sign. From a licensed public adjuster.
- [Free Insurance Claim Review from Blue Star Adjusters](https://bluestaradjusters.com/free-claim-review/): Free insurance claim review from a licensed public adjuster. No cost or obligation. Same business day callback, Monday to Friday, 9 AM to 5 PM Pacific.
- [How Does a Public Adjuster Work? 5 Steps | Blue Star](https://bluestaradjusters.com/how-it-works/): A public adjuster works for you, not your insurer. Five steps from free review to settlement, one senior adjuster, and you decide on every offer.
- [Public Adjuster Offices: CA and the West | Blue Star](https://bluestaradjusters.com/locations/): Licensed public adjusters in California, Nevada, Oregon, Washington, Arizona and Colorado, plus Utah and Hawaii. Find your office and its local number.
- [Public Adjuster in Arizona | Scottsdale Office | Blue Star](https://bluestaradjusters.com/locations/arizona/scottsdale/): Licensed Arizona public adjuster in Scottsdale. We measure and negotiate the loss; your contractor builds. What Arizona law requires of every adjuster.
- [Public Adjuster in Sacramento, CA | Blue Star Adjusters](https://bluestaradjusters.com/locations/california/sacramento/): Blue Star Adjusters, licensed public adjuster with its head office in Sacramento. We measure the loss and negotiate with your insurer. Free claim review.
- [Public Adjuster in San Francisco, CA | Blue Star Adjusters](https://bluestaradjusters.com/locations/california/san-francisco/): Licensed public adjuster for San Francisco homes and buildings. Fire, smoke, water and code upgrade claims, soft story and earthquake rules explained.
- [Public Adjuster in Los Angeles, CA | Blue Star Santa Monica](https://bluestaradjusters.com/locations/california/santa-monica/): Licensed public adjuster for Los Angeles homes and businesses, from our Santa Monica office. Smoke, fire and total loss claims. Free claim review.
- [Public Adjuster in Reno, Nevada | Blue Star Adjusters](https://bluestaradjusters.com/locations/nevada/reno/): Licensed Nevada public adjuster in Reno. We inspect room by room, price the repair line by line, and negotiate with your insurer. No upfront cost.
- [Public Adjuster in Oregon | Portland Office | Blue Star](https://bluestaradjusters.com/locations/oregon/portland/): Licensed Oregon public adjuster in Portland. We price the repair line by line, build the contents list room by room, and explain Oregon's wildfire orders.
- [Public Adjuster in Washington State | Seattle | Blue Star](https://bluestaradjusters.com/locations/washington/seattle/): Licensed public adjuster in Seattle for Washington claims. Where the money comes from when a dwelling limit runs out, and what the state's wildfire data shows.
- [How Much More Do Public Adjusters Get? | Blue Star Results](https://bluestaradjusters.com/results/): What the carrier offered and what we recovered on five claims, plus what a Florida state study found on public adjuster payments, fees and time to settle.
- [High Net Worth Insurance Claims | Blue Star Adjusters](https://bluestaradjusters.com/who-we-serve/): Discreet, senior led representation for high net worth insurance claims: scheduled art and wine, several residences, wildfire and custom construction.
- [Is a Public Adjuster Worth It? Blue Star vs. Going It Alone](https://bluestaradjusters.com/why-blue-star/): When a public adjuster is worth it, and when it isn't. Scope, inventory, cost, speed and final say, compared with handling the claim yourself.

## Full Q&A Knowledge Base
- [Complete FAQ & Claim Guide Knowledge Base](https://bluestaradjusters.com/llms-full.txt)