Can you help with a Davis Fire or Pinehaven Fire claim?

Yes. Total-loss, partial-loss and smoke-damage claims from Reno's recent fires are the kind of claim we handle every day. If the carrier's estimate doesn't cover the rebuild, if code upgrades or additional living expenses were underpaid, or if smoke and ash remediation was denied, we can re-open the claim with documentation.

Do you handle second-home and Tahoe cabin claims?

Yes. Frozen-pipe, snow-load, wind and fire claims on second homes at Incline Village and around the Nevada side of Lake Tahoe are common, and they raise specific policy issues — vacancy, heat-maintenance and seasonal-occupancy clauses — that we know how to address.

My commercial building was damaged. Do you handle business-interruption claims?

Yes. We handle building, equipment, inventory, business-interruption and extra-expense claims for Reno–Sparks businesses, including industrial and logistics operations at the Tahoe-Reno Industrial Center.

Nothing upfront. The initial review is free, and if we represent you our fee is a percentage of what we recover, set out in a written agreement before we begin.

Reno–Sparks, Washoe County, Nevada

Public Adjusters in Reno

Wildfire on the Sierra front, the Washoe Zephyr, Sierra snow and Truckee River flooding: Reno's claims are as varied as its terrain. We represent Reno and Sparks policyholders on all of them.

Call (818) 905-6800 Free Consultation

Licensed in Nevada

Since 1972

No Upfront Fees

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Reno

Public adjusting for Reno policyholders

Reno's risk map follows its geography. The neighborhoods pressed against the Sierra — Caughlin Ranch, Galena, Washoe Valley, Verdi, the Mt. Rose corridor — burn: the Davis Fire (September 2024), the Pinehaven Fire (2020), the Caughlin and Washoe Drive fires (2011–12) all started in that wildland edge. The valley floor takes the Washoe Zephyr's 70-mph gusts and, in wet years, the Truckee River and Lemmon Valley flooding. And every neighborhood takes Sierra winters that collapse roofs and freeze pipes.

Metropolitan Adjustment Bureau is licensed in Nevada and represents Reno, Sparks, Carson City and Lake Tahoe-area policyholders on residential and commercial claims. We are also seeing more industrial and logistics claims from the Tahoe-Reno Industrial Center and the warehouse growth along I-80 — losses that require adjusters who understand business-interruption and equipment coverages.

Communities we serve in Reno

Sparks
Carson City
Incline Village
Washoe Valley
Galena
Caughlin Ranch
Somersett
Verdi
Spanish Springs
Sun Valley
Lemmon Valley
South Reno
Old Southwest
Midtown
Damonte Ranch
Hidden Valley
Fernley
Dayton
Minden
Gardnerville
Lake Tahoe (NV)

Local Risks

What damages Reno properties — and how those claims go wrong

Wildfire on the Sierra front

The Davis Fire (September 2024) burned nearly 6,000 acres in Washoe Valley and along the Mt. Rose Highway and forced evacuations of roughly 20,000 people. The Pinehaven Fire (November 2020) destroyed homes in Caughlin Ranch in a single windy afternoon; the Caughlin Fire (2011) and Washoe Drive Fire (2012) together destroyed more than 60. Reno's wildland-urban interface runs the entire western edge of the city. Fire claims here involve rebuild costs that have outrun policy limits, code-upgrade coverage, detached structures, landscape and defensible-space work, and smoke damage to standing homes — which carriers routinely underpay.

Fire Damage Claims

Wind — the Washoe Zephyr and Sierra downslope events

Reno's afternoon Zephyr is a daily fact; the downslope windstorms that accompany Pacific fronts regularly push gusts past 70 mph across the valley and above 100 mph on the ridges. Roofs, fences, solar arrays, commercial rooftop equipment and tree strikes are the usual claims, and wind-driven rain and snow intrusion follow. Carriers frequently attribute roof damage to age; we document the storm cause.

Wind & Storm Damage

Snow load, ice dams and freeze damage

The record winter of 2022–23 collapsed roofs on homes, shops and commercial buildings from Incline Village to Sparks and produced ice damming across the region. Freeze events burst pipes in crawlspaces and second homes left unattended at Tahoe. These are covered losses under most policies — but the carrier's scope routinely stops at the visible damage. We map the moisture and scope the whole assembly.

Water Damage Claims

Flooding — Truckee River, Lemmon Valley and flash floods

The January 2017 storms flooded the Truckee River corridor and turned Swan Lake in Lemmon Valley into a months-long disaster for hundreds of homes; the 1997 flood remains the benchmark for downtown Reno and Sparks. Summer thunderstorms bring flash flooding to the foothills. Flood is excluded from standard policies, so these claims turn on identifying covered causes — wind-driven rain, storm-damaged roofs, sewer and drain backup endorsements — and documenting them precisely.

Water Damage Claims

Earthquake

Reno sits in the seismically active Walker Lane belt; the 2008 Mogul earthquake swarm cracked foundations and chimneys across west Reno. Earthquake coverage in Nevada is a separate endorsement or policy with a high deductible, and the settlement depends on a complete structural scope.

Earthquake Claims

Industrial, logistics and commercial

The Tahoe-Reno Industrial Center, the distribution corridor along I-80 and the resort and hospitality properties downtown and at Tahoe generate large commercial claims — equipment, inventory, business interruption, extra expense and loss of rents. These are where an independent forensic accounting of the loss most changes the outcome.

Commercial Claims

How claims work in Nevada

Public adjusters in Nevada are licensed by the Nevada Division of Insurance. Nevada's claims regulations require carriers to acknowledge a claim promptly and to approve or deny it within 30 days of receiving a proof of loss, and Nevada law provides remedies when an insurer handles a claim in bad faith. Those rules give a represented policyholder real leverage when a claim stalls.

Metropolitan Adjustment Bureau dispatches adjusters to Reno–Sparks, Carson Valley and the Nevada side of Lake Tahoe for on-site inspection and manages the claim from our headquarters. Our fee is a percentage of the recovery, agreed in writing — there is no cost to have us review a denial, a low estimate or a claim that has gone quiet.

Our Services

Claim services in Reno

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

FAQ

Reno claim questions

Yes. Metropolitan Adjustment Bureau is licensed as a public adjuster in Nevada and serves Reno, Sparks, Carson City, Washoe Valley, Incline Village and the Carson Valley communities of Minden and Gardnerville.

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“We are extremely happy with the turn out. Without your help, we would have been helpless and at the mercy of the insurance company. I never realized the complexity and details that were involved. You can be sure I will be recommending Metropolitan Adjustment Bureau to anyone who is in need of a public adjuster.”

Tony Black

Property damage in Reno?
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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