Sacramento Codes. Sacramento Contractors.
Public Adjuster in Sacramento.
Blue Star Adjusters is a licensed public adjuster in Sacramento, with our head office at 1610 R Street. We work for the policyholder on home and business property claims. We read your policy, measure the full loss and negotiate the claim with your insurer. A senior adjuster leads every claim, from the first call to the final settlement.
- No upfront cost
- You always have final say on any settlement
- CA DOI License No. 6015234
Head Office
CAAddress
1610 R Street, Suite 300, Sacramento, California 95811
Phone
Hours
Monday to Friday, 9 AM to 5 PM Pacific. Closed Saturday and Sunday.
License
CA DOI License No. 6015234
Before You Call the Sacramento Office
Call or email. We call back the same business day.
Bring whatever you have: the policy, the carrier’s letters, photos. Your insurer’s adjuster already came out? Good. Bring their estimate too. We start from it and measure what it left out.
Check our license before you sign anything. Look up CA DOI License No. 6015234 on the California Department of Insurance license search. Check a license with the California Department of Insurance
In Sacramento, find out where the water came from first. A burst pipe and a rising river are two different policies.
California: you can cancel within three business days of signing and receiving the contract, or five calendar days in a declared catastrophic disaster area.
Our fee can never leave you with less than your insurer already paid before you hired us.
California: you can cancel within three business days of signing and receiving the contract, or five calendar days in a declared catastrophic disaster area.
Our fee can never leave you with less than your insurer already paid before you hired us.
Flood or Water Damage? In Sacramento, the Source Decides the Claim.
Water Dries. The Evidence Goes With It.
Sacramento’s flood control agency, SAFCA, finances levee and dam projects on the American and Sacramento rivers.
Flood is its own policy. FEMA’s flood program says it plainly: “Most homeowners insurance does not cover flood damage.” Water that rises from outside is the flood policy’s question. A pipe that bursts inside the house is a different loss, read under different wording.
So the first job is proof of the source. Where did the water enter? How far did it travel? We document it room by room, before the drying erases it. If the water isn’t measured, it dries, and mold begins to grow.
How a Claim Runs With Blue Star
Five steps, from a free review to the settlement. You decide on every offer.
- Free review of your claim, at no cost or obligation.
- Policy review: the whole policy, endorsements included.
- Scope the loss: moisture mapping, testing and structural review where the loss calls for it.
- Build your claim: an itemized claim package, sent only with your approval.
- Negotiate the settlement with your insurer, line by line.
What the Carrier Offered. What We Recovered.
Smoke damage. Offered $17,000. Settled for about $1.1 million. An industrial hygienist proved combustion byproducts in porous materials and doors.
Apartment fire, 800 sq ft, started by a computer. Settled for nearly $200,000, including the tongue and groove ceiling and smoke mitigation for the neighboring unit.
A denial that held. A $1.4 million total loss was denied because the homeowner was welding for his business in the garage. The policy excluded business operations. If the policy clearly excludes the loss, no adjuster can change that.
Results reflect specific losses and policies. Past results don’t guarantee a similar outcome.
Sacramento Claims We Handle
When You May Not Need Us
On a small loss, our fee may outweigh what we add. If the carrier’s offer is already fair, we’ll tell you so at the free review, before you sign anything.
Questions About Hiring a Public Adjuster in Sacramento
What does a public adjuster do?
A public adjuster prepares, presents and negotiates your claim, working only for you. The insurer’s adjuster works for the insurer. We read the whole policy, scope the loss and send the claim package only with your approval. You decide on every offer. How a public adjuster works
How do I check a public adjuster’s license in California?
Look the license number up on the Department of Insurance license search before you sign. California also requires the contract to be in writing, on a form the Insurance Commissioner approved, with the adjuster’s license number on it. Ours is CA DOI License No. 6015234.
How much does a public adjuster cost in Sacramento?
No upfront cost. We’re paid a percentage of what we recover. The terms are set in writing before we start. In California, our fee can never leave you with less than your insurer had already paid before you hired us. Public adjuster fees, explained
When should I call a public adjuster after a loss?
Before you accept an offer or sign a release. Our ability to affect your outcome diminishes with time. If you already have an offer, it’s usually not too late, because we can reopen scope before you accept. When it’s too late to hire a public adjuster
Does homeowners insurance cover flood damage in Sacramento?
Usually not. FEMA says most homeowners insurance does not cover flood damage, and only flood insurance covers the cost of rebuilding after a flood. Water from a burst pipe inside the house is a separate question. Bring every policy you have to the free review.
Will a public adjuster make my claim faster?
It can take longer. A 2010 Florida state study of Citizens Property Insurance claims found claims with a public adjuster took longer to settle, and paid more before fees. More of the loss gets measured and argued, and that takes time.
Other Blue Star Offices
Call Before the Carrier Sets the Narrative.
Your insurance company has an adjuster protecting their interests. You have the right to one too.
