It Pays to Have a Trusted Public Adjuster on Your Side

Helping property owners regain what is rightfully theirs

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Let Us Assist You in Maximizing Your Insurance Claims

Commercial

Commercial Property Loss

Whether it is fire, hail, wind or another natural disaster, commercial claims have a unique challenge and circumstances that surround it that can become overwhelming. Not only will you need to maintain your operations, but you may also need to move to a temporary site, gather information probably not readily available to you, and attempt to understand the claim process.

A building on fire with smoke billowing out of it.
An aerial view of a factory with many buildings.
A warehouse with water on the floor and floors flooded.

Caution:

If your claim is not submitted and processed properly, you may lose thousands or even millions of dollars depending on the size of your claim, and sometimes never fully recover from those mistakes.

A person holding an open wallet in their hands.
A pen and glasses on top of an insurance policy.

Disaster Adjusting Can Help!

There are many different coverages, endorsements, and limitations to consider in a commercial or business policy. Our many years of experience in these matters make the difference between success and failure with your loss. We will navigate through this, obtain information, and present it to your insurance company so you receive the maximum settlement on all your coverages the apply, such as Building, Business Personal Property, Business Interruption & Extra Expenses, Special Deductibles that may apply, and many others.

For more information, please contact us.

Commercial

Residential

Residential Property Loss

Can range from a very simple residential claim such as water backup, to a much larger more complex property loss such as a Fire, Hail, Water, or Natural Disaster. If you have never been through a disaster before, this will be a very difficult time for you and your family. The obstacles such as displacement from your home, finding a competent restoration contractor, inventory of your personal belongings to be priced and aged for depreciation, and so on.

A house that has been torn down and is being remodeled.
A house on fire with the lights on.
A man and woman embracing each other in front of a window.
A room that has been destroyed by fire.

Caution:

It is your responsibility to prove your claim, perform duties, and meet deadlines. Our many years of experience in these matters make the difference between success and failure with your loss. This process may take months to complete to its end and more than likely you will have a family, job, or other commitments to address.

Do not trust the insurance carriers preferred or recommended contractors or solely on the adjusters estimate and offer. These and other common mistakes can cost you thousands of dollars and possibly never fully recover from the loss.

A person holding an open wallet in their hands.
A pen and glasses on top of an insurance policy.

For more information, please contact us.

Residential

Efficient Public Adjusting Services You Can Always Count On

Disaster Adjusting has experienced public adjusters, licensed by the Department of Insurance to assist homeowners and business owners settle their claims by assessing, estimating, inventorying, and documenting every detail of an insurance loss from fire, water, storm, or other insurance-related disasters. We work for you and not the insurance company, having your best interest in mind.

Preparing and processing your claim takes many years of experience and training in order to submit it to your insurance company properly. We work closely with you, making sure that all your paperwork such as estimates, documentation, duties, and deadlines are completed properly without leaving you exposed to future issues such as denials, limited coverages, or settlement amounts.

It is your responsibility to prove your claim (burden of proof). However, after a loss, your insurance company will generally send out a staff or independent adjuster employed by them to assess the damages on their behalf. They claim they are there for you, but they are there on behalf of the company that is paying for your loss. This is nothing less than a conflict of interest. They are teamed with engineers, adjusters, managers, accountants, and a legal team to back and represent them. Who do you have?

Disaster Adjusting works and fights for you while you attempt to get your life and/or business stabilized.

The earlier Disaster Adjusting is brought in, the better the opportunities are for helping the policyholder obtain the best settlement possible. Mistakes will be made, evidence will be contaminated, moved, or disposed of. Most of all the wrong things will be said (innocently) during a conversation or recorded statement that you cannot retract or change that may negatively affect your settlement or even cause a denial of your claim.

  • Review and identify all of the coverages that may be applicable to your claim
  • Assist in any immediate damage containment of your properties
  • Thoroughly review your loss and damaged items in order to provide a detailed scope of repairs and inventory of damaged personal property/contents
  • Provide you with handouts, pamphlets, or information to help you help us obtain necessary information about your loss, expenses, business interruption, and other items necessary to obtain your settlement
  • Setting up and attending all meetings with your adjuster, the owner or representative of the loss regularly
  • Walk you through this process every step of the way

Property insurance claims are complicated and very time-consuming. The mistakes made during this process are very costly. Our services in just one of the coverages we handle in your loss generally cover the total expense of your fee. It is generally a small percentage of your loss or sometimes a set fee is determined. It is minimal in relation to your claim settlement and is offset by the increased settlement we historically collect.

In addition to the time saved, less stress, and peace of mind. Our fee is based on your comfort level and customers have found that it was the best investment they could have made.

Delay Deny and Defend

The carrier and adjuster assigned to your claim may seem very cordial and helpful at the beginning, making it appear that everything is going to be ok, and they are taking good care of you.

HOWEVER, make no mistake, insurance adjusters work for the insurance company and not you. The goal of an insurance company is to minimize the amount paid out.

Delaying the loss for one reason or another, Denying your claim completely or just certain coverages, while Defending their position and forcing you to Defend yourself. There is another option and that is to hire Disaster Adjusting.

Two people shaking hands in front of a window.

Appraisals &
Umpiring

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A person holding an object in their hand.

Hail Damage

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A building on fire with smoke billowing out of it.

Fire/smoke

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A broken window is shown in the middle of a parking lot.

Wind/Tornado

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A warehouse with water on the floor and floors flooded.

Water Damage

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A man in an orange vest and hard hat on top of a building.

Roofing & Exterior

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A building with two floors and a large area of land.

Moisture Mapping

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Conflict of interest?

The risk of a conflict of interest is inherent in this relationship because when one person (your insurance adjuster) attempts to represent both sides of a financial transaction and obligation (you and your insurance company), they must either compromise or choose a side to represent—and you know which side that is!

A fireman in uniform pointing to the ground.

So who has MY back?

Disaster Adjusting has your back! With over 40yrs of experience in commercial and residential insurance claims settlements. We are experts in interpreting and understanding your insurance policy coverages for commercial and residential properties including all of the endorsements, exclusions, business interruption, extra expense, additional living, personal property, and depreciation recovery. We work for you not the insurance company.

Disaster Adjusting

Fighting for YOU to recover what is rightfully yours and give you “peace of mind” that your loss is handled correctly!

Testimonials

Commercial Property: Fire/Water

I’ve known Mr. Watterud for over 15 years and have used his services many times over those years, both personally and for my business clients. Bill is in my opinion the most knowledgeable adjuster in the industry. I’m a commercial real estate broker and I’ve had clients that have had severe damage and received settlement checks from their insurance company, I’ve suggested they call Disaster Adjusting to make sure they’re being treated fairly and the results have been astounding. Bill not only knows the business so well but he’s so detail oriented that there isn’t a screw head or nail that isn’t accounted for. I cannot emphasize enough the importance of calling Disaster Adjusting immediately after the damage occurs as there are things that we as consumers don’t understand and should do and not do that make an immense difference in the recovery of your precious belongings and property.

I can say without reservation that you’ll receive the best representation from Disaster Adjusting available anywhere. I don’t give many references but this is one company that I know I’m giving my clients the best company for the job and will continue to do so whenever there’s a client in need.

Bill Drinkall, Director

Multi-Housing Group – Bradley Company

Homeowner Property: Fire

“Bill represented me as a public adjuster in the loss of my home to a fire on November 12, 2014. We lost everything in the fire. I was an emotional wreck, disoriented and lost until Bill Watterud introduced himself to me as a public adjuster. Of course my insurance company advised against having one because they said I didn’t need one, but thank God I did the right thing and hired Bill anyways.


When my husband and I first met Bill, we were a mess and were on a roller coaster with our insurance company from day one. He sat down with the both of us and explained among our million and three questions that this is only day one and we need to take it as such. One step at a time was the advice he gave and the advice we took.


Bill was a true professional from hello. Even in the worst and most impossible situations Bill showed courage and determination throughout every aspect. He definitely did not let our insurance company low ball us or leave our family displaced. He made sure we had the best for our kids and for our situation. He kept all our best interests at hand.


Bill turned a huge tragedy into a positive outlook and gave us hope where we had little. He was definitely the right man for the job and he earned his fee, even though he altered it in our best interest, dealing with me, he earned it. Bill (Batman) as I call him was always on top of everything and never skipped a beat. He kept me calm and gave us our lives back with all his time, patience, and effort, for that he is our HERO!


I would recommend Bill Watterud Disaster Adjusting to anyone in need of his wonderful services.”

Fauline & William Altamirano

Commercial Property: Fire

We had a fire January 6, 2014 during the major snow storms, we lost our entire office and it shut down the plant from water and smoke damage. Our insurance company had not done anything to get us moved or get us back up and running for over a month, we were working out of our home. Once we spoke to Bill, he got things going right away. He had us moved into an office space and made sure our home back to normal. I don’t know anyone else that would have put the time, effort and dedication with the heart that Bill Watterud did in our case. We would recommend Bill to anyone going through a loss with their insurance company and would give them the same advice that the lawyer gave us to not go it alone, it was the best decision we made.

Steve and Vickie Schwenn

Owners – Viking, Inc.

Homeowner Property: Collapse

We would like to thank Bill Watterud for all his help in getting our home repaired. His persistence with our insurance company made it possible for the repairs to be done. He is passionate about his work and we would recommend him to do an outstanding job.

Walt and Georgia German

Commercial Property: Fire

Bill is a stand up guy, he went to bat for me when I had a devastating fire at my business, he knows how the system works. I am 100% satisfied with all he did for me if anyone has a disaster and has to deal with an insurance company don’t go it alone. Have Bill in your corner you will not regret it.

Brian Kmitta

Owner – Anchor Inn

Homeowner Property: Fire

Our home was totally damaged by fire. We have adopted Bill and his family as a part of our family. If you ever need a person who is honest and dedicated to his profession we recommned Bill Watterud. He is knowledgeable and he goes far beyond what is expected.

The Lozano Family

Commercial Property: Fire

I want to personally thank you for the work and support you have been to Taylor Chapel as we have worked through the process of negotiating with our insurance company, and now moving forward with rebuilding – largely due to your skills and efforts in representing us. We would most likely not be, even now, at this point of rebuilding if not for your persistent ‘second stop in visit’ to offer your assistance.

Steve Conner

Taylor Chapel United Methodist Church

Homeowner Property: Fire

Our home was devastated by fire, and we found ourselves homeless. However, we never felt alone because Mr. Watterud kept us informed and our hopes up throughout our loss. He and his company took care of my family and I as if we were his own.

Bradley Grover and Family

Commercial Property: Fire/water

We would highly recommend Bill Watterud and Disaster Adjusting for anyone dealing with a property insurance claim. We were introduced to Mr. Watterud through our realtor who was working to sell our commercial property. During the entire process Mr. Watterud kept us up to date with the processes and estimated timelines. Our company had not used this type of service before, but we will definitely be using them anytime we have property damage. This time our first call will be to Bill Watterud, not our insurance company.

Angelica Gardner

Vice President – Blackburne & Sons

Rental Property: Fire

I recently engaged the services of Disaster Adjusting to assist me in an insurance claim. The Claim stemmed from an apartment fire. Though I have what I think is a fair insurance company, I simply would not have known about the many things that Mr. Bill Watterud pointed out during the process of the claim. Thanks to Mr. Watterud, my apartment is in the pristine condition that it was before the fire.


If you have not gone through the process of a claim, you can’t possibly know or understand what goes into it. Disaster Adjusting made sure everything was in laymans terms for the benefit of my understanding. I really appreciate the job Bill did for me and would recommend him to whomever may read this, if your in the position I was: not knowing where to begin or what to expect. Now that I do know, I would still hire Disaster Adjusting, simply for the good job they did for me. To all readers of this, I would suggest you at least agree to discuss the ways in which they will assist you.

Gernard Payton

Executive Officer – Payton Property Group LLC

What Our Clients are Saying About Us

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A map of the united states with each state labeled.

Licensed states and services nationwide:

  • Colorado

  • Georgia

  • Kentucky

  • Michigan

  • Indiana

  • Tennessee

  • Oklahoma

  • Wyoming

  • Ohio

  • Texas

  • Iowa

  • New Mexico

Mistakes can be made early!

Most major mistakes are made by policyholders within the first few hours or days after their disaster. We will help you to avoid saying or doing something that will negatively affect your insurance claim or even cause a complete denial of your claim. Do not allow anyone to preform services without a cost and clear understanding of your coverages or options! SLOW DOWN!

Are You Under-Insured?

Recent US surveys show that over 60% of homes and over 70% of businesses are under-insured. In our experience, many commercial and residential policyholders do not have a full understanding or have even read through their policy, thus they often have no idea of their coverages, endorsements, exclusions, or what they are entitled to. Let us review your commercial or multifamily properties with a pre-loss inspection to minimize your exposure.

How do we get paid?

First, there is no upfront out-of-pocket money owed! We only ask for a relatively small fee based on a percentage of the settlement. We have dramatically increased the settlements of our clients, many over 100% of what the insurance company first offered. By our managing your entire claim you will have peace of mind,  go back to work and care for your family knowing your property investment is being well taken care of…This may be one of the most valuable assets of using a public adjuster.