Do you still take Gray Fire and Oregon Road Fire claims?

Yes. Many of those claims are still open — rebuild costs exceeding policy limits, disputes over extended replacement cost and code upgrades, contents inventories and smoke-damage claims on standing homes. We can review a claim at any stage, including after a partial payment.

My roof collapsed under snow. What should I do first?

Make the property safe, prevent further damage and photograph everything before anything is removed. Report the claim promptly. Then call us before the carrier's adjuster writes the estimate — snow-load and ice-dam claims are routinely under-scoped, and the first estimate tends to anchor the settlement.

Do you handle claims in Idaho?

Yes. We are licensed in Idaho and serve Coeur d'Alene, Post Falls, Hayden and the surrounding Kootenai County communities.

How does your fee work?

There is no upfront cost. Our fee is a percentage of the settlement we recover for you, agreed in writing before we begin. The initial review of your policy and claim is free.

Spokane, Washington

Public Adjusters in Spokane

Wildfire, windstorm, heavy snow and hard freezes — the Inland Northwest's claims are unlike Southern California's, and we handle them with adjusters licensed in Washington and Idaho.

Call (818) 905-6800 Free Consultation

Licensed in Washington

Since 1972

No Upfront Fees

9+ Languages

Spokane

Public adjusting for Spokane policyholders

Spokane's losses come in every season. Wildfire in late summer — the 2023 Gray and Oregon Road fires destroyed hundreds of homes in Medical Lake and Elk within hours of each other. Windstorms in the fall, like the November 2015 event that produced 70-mph gusts, took down thousands of trees and caused the largest outage in Avista's history. Record snow and arctic cold in winter that collapse roofs, form ice dams and burst pipes across the South Hill, the Valley and the North Side.

Metropolitan Adjustment Bureau is licensed in Washington and Idaho and represents Spokane-area policyholders on residential and commercial claims. We are not the insurance company's adjuster. We work only for you, document the entire loss, and negotiate the settlement the policy actually owes — whether your carrier is a national brand or a Northwest mutual.

Communities we serve in Spokane

Spokane Valley
Liberty Lake
Cheney
Airway Heights
Medical Lake
Deer Park
Mead
Nine Mile Falls
Elk
Chattaroy
South Hill
North Spokane
Five Mile
Browne's Addition
Millwood
Otis Orchards
Coeur d'Alene, ID
Post Falls, ID
Hayden, ID

Local Risks

What damages Spokane properties — and how those claims go wrong

Wildfire — Gray Fire, Oregon Road Fire and the wildland edge

On August 18, 2023 the Gray Fire burned through Medical Lake and the Oregon Road Fire through Elk, destroying more than 350 homes between them and prompting a statewide emergency declaration. Spokane County's wildland-urban interface — Cheney, Airway Heights, Nine Mile Falls, Deer Park, Chattaroy, the Little Spokane River corridor — faces the same exposure every summer. Fire claims here involve dwelling limits set years ago, detached shops and outbuildings, wells and septic systems, timber and landscape losses, and smoke damage to homes that survived. Smoke and ash claims are chronically underpaid.

Fire Damage Claims

Windstorm damage

The November 17, 2015 windstorm — gusts of 71 mph at Spokane International — left more than 180,000 customers without power and stripped roofs and toppled trees across the county. Strong wind events recur most falls and springs. Roof, siding, fence, tree-strike and interior water-intrusion claims follow every one, and carriers routinely dispute the extent of storm-caused roof damage. We document it with on-roof inspection and wind data.

Wind & Storm Damage

Snow load, ice dams and roof collapse

Spokane's record winters — 2008–09, 2016–17, February 2019 — produced widespread roof collapses on carports, shops, commercial flat roofs and older homes, and ice damming on nearly everything else. Ice-dam water intrusion into ceilings, walls and insulation is a covered loss under most policies, but carriers frequently pay for the visible stain and not the saturated assembly behind it. A full moisture-mapped scope is the difference.

Water Damage Claims

Frozen and burst pipes

Arctic outbreaks like January 2024's sub-zero stretch burst supply lines in crawlspaces, attics and unheated additions across the region. Burst-pipe claims are large — water travels through multiple floors — and carriers look hard for a 'failure to maintain heat' exclusion. We establish the facts and scope the full water loss, including drying, demolition, mold and contents.

Water Damage Claims

Commercial, agricultural and multi-family

Spokane's economy spans healthcare, manufacturing, aerospace, agriculture and a fast-growing apartment inventory in the Valley and Liberty Lake. Commercial claims here add business-interruption, equipment, inventory and loss-of-rents calculations to the property loss, and they are where independent accounting most changes the outcome.

Commercial Claims

How claims work in Washington

Public adjusters in Washington are licensed by the Office of the Insurance Commissioner, and Washington's unfair-claims-settlement regulations require carriers to acknowledge claims promptly, communicate their positions in writing and decide a claim within a set number of working days once a proof of loss is received. Those rules matter most when a claim stalls — which large fire and winter-storm claims frequently do when adjusters are handling hundreds of losses at once.

Metropolitan Adjustment Bureau dispatches adjusters to Spokane-area losses for on-site inspection and manages the claim from our headquarters. Our licensing in Idaho means we can also represent policyholders across the state line in Coeur d'Alene, Post Falls and Hayden.

Because our fee is a percentage of the recovery, there is no cost to have us review a denial, a low estimate or a stalled claim.

Our Services

Claim services in Spokane

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

Spokane claim questions

Yes. Metropolitan Adjustment Bureau is licensed as a public adjuster in Washington and in Idaho, along with 19 other states. We represent policyholders throughout Spokane County and North Idaho.

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“Metropolitan Adjustment Bureau provided excellent customer service when our cabins burned. The fire caused damage to our restaurant, museum, theater, lodge, and shopping facilities. They went above and beyond in order to service our needs and communicate with the insurance companies. They rolled up their sleeves to help clean in order for us to be open for the 4th of July weekend.”

Gary A. Martinson, Owner

Property damage in Spokane?
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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