Monsoon water came into my garage and living room. Is it covered?

It depends on how it got in. Rising surface water from a flooded street or wash is generally excluded without a separate flood policy. Water that entered because wind damaged the roof or a window, or because a drain or sewer backed up with an endorsement in place, is often covered. The cause has to be established and documented immediately; that is the first thing we do.

My insurer says my roof damage is sun wear, not the storm. What can I do?

Get an inspection by someone who works for you. Storm damage has a signature: creased and lifted shingles, cracked tiles on windward slopes, hail spatter on soft metals, all consistent with the storm date. UV wear looks different. With the inspection findings and the weather record, that denial is frequently reversed.

Do you handle claims for short-term rentals and investment properties?

Yes. Vandalism, tenant damage, water and fire claims on rental and vacation properties are a large part of our Nevada practice. These policies carry vacancy and tenant-damage provisions that carriers apply broadly; we review the actual policy language and the facts of occupancy.

Do you handle commercial and hospitality claims in Las Vegas?

Yes. We handle building, equipment, inventory, business-interruption and loss-of-rents claims for hotels, restaurants, retail, medical and multi-family properties, and our executive large-loss adjusters handle complex commercial losses.

Las Vegas, Henderson & Clark County, Nevada

Public Adjusters in Las Vegas

Monsoon flash floods, 70-mph wind events, hail, summer fire and the largest hospitality and commercial property base in the Southwest. We represent Las Vegas, Henderson and North Las Vegas policyholders against their insurers.

Call (818) 905-6800 Free Consultation

Licensed in Nevada

Since 1972

No Upfront Fees

9+ Languages

Las Vegas

Public adjusting for Las Vegas policyholders

Las Vegas insurance claims look different from anywhere else we work. The valley gets eleven inches of rain in a good year and most of it arrives in a handful of monsoon afternoons that turn washes into rivers and flood garages, basements and ground-floor units from Summerlin to Henderson. The same storm cells drop hail and produce downburst winds that strip roofs and topple block walls. Summers push 115 degrees, which cooks roofing, fails water heaters and air conditioners, and feeds structure fires in older neighborhoods.

On top of the weather, Clark County has the densest concentration of hospitality, retail, gaming and multi-family property in the region. Commercial losses here involve business-interruption calculations on properties that operate 24 hours a day, tenant improvements in leased casino-adjacent space, and apartment communities with hundreds of units sharing water risers. Metropolitan Adjustment Bureau is licensed in Nevada and represents Las Vegas-area residential and commercial policyholders from first notice through final payment.

Communities we serve in Las Vegas

Henderson
North Las Vegas
Summerlin
Spring Valley
Enterprise
Paradise
Green Valley
Anthem
Centennial Hills
Aliante
Southern Highlands
Mountain's Edge
Boulder City
Whitney
Sunrise Manor
Lake Las Vegas
Downtown Las Vegas
The Strip

Local Risks

What damages Las Vegas properties — and how those claims go wrong

Monsoon flash flooding

July through September, monsoon storms drop an inch or more of rain in under an hour on ground that cannot absorb it. The Flamingo, Las Vegas and Duck Creek washes overflow, and water pours into garages, basements and ground-floor units across the valley; the August 2022 and September 2023 storms flooded hundreds of properties and, memorably, casino floors on the Strip. Flood is excluded from standard homeowners and commercial policies, so these claims live or die on the cause: wind-driven rain through storm-damaged roofs and windows, sewer and drain backup endorsements, and roof ponding failures are often covered where rising surface water is not. We document the water path before the evidence dries.

Water Damage Claims

Wind, downbursts and hail

Las Vegas thunderstorms produce downburst winds that regularly exceed 60 and occasionally 80 mph, with hail that pits roofing, skylights, HVAC fins and vehicles. Tile roofs crack, foam and shingle roofs lift, block walls fall, and pool screens and patio covers go. Carriers attribute much of this to age and sun exposure, which is real in this climate and also a convenient excuse. We separate storm damage from UV wear with on-roof inspection, the storm-date weather record and hail-spatter evidence.

Wind & Storm Damage

Water damage in extreme heat

Valley summers kill water heaters, supply lines and air-conditioning condensate systems. A failed water heater in a second-floor closet or an AC condensate overflow in an attic can flood a home in hours. Slab leaks are common in older Las Vegas housing on expansive and caliche soils. Carriers deny these as long-term seepage or maintenance; we establish the sudden failure with plumber findings and the failed component and scope the full extent of saturation, which in this climate is often hidden by rapid surface drying.

Water Damage Claims

Fire and smoke

Structure fires in older East Las Vegas and North Las Vegas neighborhoods, electrical fires from overloaded cooling loads, garage fires and, on the valley edges, brush fires all produce fire and smoke claims. Smoke damage in a tightly sealed, air-conditioned home circulates through the entire duct system and is routinely underpaid. We test for soot contamination and scope remediation that actually works in a home that cannot open its windows for six months of the year.

Fire Damage Claims

Theft and vandalism on rentals and vacation homes

Las Vegas has one of the highest shares of investor-owned and short-term rental housing in the country. Vandalism, tenant damage and break-in claims on those properties trigger vacancy clauses, tenant-damage exclusions and disputes about when the loss occurred. We document occupancy, the police report and the physical damage, and we hold carriers to Nevada's claims regulations.

Theft & Vandalism

Hospitality, retail and multi-family

Hotels, restaurants, retail centers, medical offices and apartment communities make up the bulk of Clark County's commercial losses. Business-interruption claims on 24-hour operations, equipment and inventory, tenant improvements and loss of rents on multi-unit buildings require independent forensic accounting and a full-building inspection rather than the unit the carrier's adjuster walked. Our large-loss adjusters handle these across the valley.

Commercial Claims

How claims work in Nevada

Public adjusters in Nevada are licensed by the Nevada Division of Insurance. Nevada's claims regulations require insurers to acknowledge claims promptly and to approve or deny within 30 days of receiving proof of loss, with a written explanation of any denial. Nevada also recognizes bad-faith claims against insurers that deny without a reasonable basis, which gives a represented policyholder real leverage when a carrier stalls or lowballs.

Metropolitan Adjustment Bureau dispatches adjusters to Las Vegas, Henderson, North Las Vegas and Boulder City for on-site inspection and manages the claim from our headquarters. Our fee is a percentage of the recovery, agreed in writing; reviewing a denial, a low estimate or a stalled claim costs nothing.

Our Services

Claim services in Las Vegas

01Fire Damage ClaimsComprehensive fire damage assessment and claim management for residential and commercial properties.02Smoke & Soot Damage ClaimsSmoke, soot and ash contamination claims for homes and businesses — including wildfire smoke on standing properties.03Water Damage ClaimsExpert handling of water, plumbing, and flood damage insurance claims.04Earthquake ClaimsSpecialized earthquake damage assessment and insurance claim negotiation.05Wind & Storm DamageWind, hurricane, and tornado damage claim management and settlement negotiation.06Theft & VandalismProperty theft and vandalism insurance claim documentation and recovery.07Residential ClaimsComplete home damage claim management for homeowners, from single-family homes to condos and apartments.08Commercial ClaimsLarge-scale commercial property damage claims including business interruption.

FAQ

Las Vegas claim questions

Yes. Metropolitan Adjustment Bureau is licensed as a public adjuster in Nevada and serves Las Vegas, Henderson, North Las Vegas, Summerlin, Boulder City and all of Clark County, as well as Reno and northern Nevada.

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“Our company sustained a fire and flood which materially effected our business. We hired Metropolitan Adjustment Bureau to handle the claim. We are glad we hired them for many reasons. They worked directly with our carrier and construction suppliers which enabled us to focus on getting back to business. Additionally, they were instrumental in negotiating on our behalf with the carrier for business interruption recovery. Without their expertise, we certainly would not have been able to re-coup the kind of claim dollars that we did.”

Brian Siegel, CFO

Property damage in Las Vegas?
Talk to us before you settle.

Free policy review and claim consultation. No upfront fees — we are paid only from what we recover for you.

Call (818) 905-6800

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