You shouldn't have to fight for your own home alone.
After a fire, flood, or storm, you're buried in paperwork while the insurer's team decides what your policy pays. We answer the phone, give you honest updates, and do the documentation work that decides the number.
- Our fee, in writing
- 15% of what's paid
- Oregon PA license
- #22301090
- Founder's basement flood · first offer
$15,000- What the loss actually cost
- $175,000
Got it. We'll call you today.
Until then: don't throw out damaged items, keep every letter from your insurer, and don't sign anything marked "final."
No silence. No surprises.
Most people's worst experience with a claim isn't the loss. It's waiting weeks without hearing anything. We run every file the other way.
Reach us any time
You get Sam directly, not a phone queue. Calls are returned the same day.
Copied on everything
Everything we send the insurer and everything they send back, forwarded to you the same day.
Plain language
We explain what each policy clause means for your claim, in plain words.
Honest answers
If your loss is too small to justify our fee, or a denial holds up, we tell you.
Residential and commercial property claims
We handle the insurance side of the loss. Your contractor handles the building. We don't refer contractors we profit from, and we take no referral fees.
Dwelling · Contents · ALEFire & smoke
Structure, smoke and soot damage, contents inventories, and living expenses while you're out of the house.
Total loss · Partial · Smoke-onlyWildfire
Total losses, ash and smoke from nearby fires, evacuation costs, and code upgrades on the rebuild.
Moisture readings · SamplesWater damage
Burst pipes and appliance leaks, documented with moisture readings before anyone can call it "long-term seepage."
Roof · Siding · CollapseWind, hail & roof
Windstorm, hail, and roof damage, plus collapse, vandalism, and theft.
Building · BPP · IncomeCommercial
Commercial property, business interruption, and inventory losses.
Reopen · SupplementUnderpaid, denied, closed
We read the denial letter against your actual policy language. Sometimes the reason doesn't hold up. Sometimes it does, and we'll say so.
My basement flooded. The insurer offered fifteen thousand dollars. The damage came to a hundred and seventy-five.
That gap, between what a loss actually costs and what gets offered first, is the ordinary shape of this business, not the exception. Titus exists so property owners have someone whose only interest is theirs.
Samuel A. Watson, Founder · Oregon Public Adjuster #22301090
Three kinds of adjusters. Only one works for you.
The insurer brings adjusters, engineers, estimating software, and attorneys. A public adjuster is the only one on the claim who represents you.
| Adjuster | Hired by | Represents | Cost to you |
|---|---|---|---|
| Company adjuster | Your insurer (employee) | The insurer | None |
| Independent adjuster | Your insurer (contractor) | The insurer | None |
| Public adjuster | You | You | 15% of what's paid |
Documentation is how we win
You see every step, and nothing is settled without your consent.
Policy review
We read the whole policy first: coverage, exclusions, limits, sublimits, and your obligations.
Site inspection
We inspect and document the loss ourselves. Nothing is asserted before we've seen it.
Scope & estimate
A written line-item scope priced at local rates. You see it before the insurer does.
Presentation
Proof of loss and supporting documents go to the insurer under your notice of representation.
Negotiation
We answer the carrier's position in writing, line by line. You get copies both ways.
Settlement
Nothing is agreed without your knowledge and consent. The decision is yours, every time.
One number, in writing, before you sign.
- 15% of what the insurer pays on the claim. No hourly billing and no retainer.
- Talking to us and a policy review are free.
- If the insurer pays full policy limits within 72 hours of the loss being reported, we charge only reasonable time and expenses, not a percentage.
- Expert costs (engineers, labs) are itemized, and any new cost needs your written approval.
- You can cancel within three business days of signing.
- Your money is held in a separate trust account and never mixed with ours.
Licensed where it matters. Connected everywhere else.
We only represent clients in states where we hold a public adjuster license. Elsewhere, we'll point you to a licensed public adjuster. No money changes hands for the referral.
News and area guides
Practical claim advice for the places we work, updated when a storm, fire, or freeze hits.
Salem and the Willamette Valley: windstorm and roof damage claims
Fallen trees, missing shingles, and the slow leak that shows up weeks later. How to keep a wind claim from being written off as wear and tear.
Read →Portland frozen and burst pipes: getting a water damage claim paid
Portland's ice storms catch houses that weren't built for hard freezes. Here's how 'sudden and accidental' decides whether a pipe burst gets paid.
Read →Bend and Central Oregon: smoke damage when your house didn't burn
Homes near a fire line can have real, covered damage without a single flame touching them. What to look for and how to document it.
Read →Frequently asked
When should I bring in a public adjuster?
Earliest is usually best: before the scope is set and the first offer is written, because that number anchors everything after it. We also take claims that are already open, paid, or denied, and we'll tell you if your loss is too small to justify our fee.
My claim was denied. Is it over?
Not automatically. We read the denial letter against your actual policy language and the file. Sometimes the stated reason doesn't hold up. Sometimes it does, and we'll tell you so.
What does it cost to talk to you?
Nothing. The first conversation and the policy review are free. If you hire us, our fee is 15% of what the insurer pays, written into the contract before you sign, and you have three business days after signing to cancel.
Do you work with my contractor?
Yes, and we don't replace them. We handle the insurance side; they handle the building. We don't refer contractors we profit from, and we take no referral fees.
Will hiring you slow the claim down?
Sometimes, at the start. A well-documented claim takes longer to put together than an unsupported one. It also avoids the much longer delay of reopening a file later for items that were missed.
Are you licensed?
Yes. Samuel A. Watson is licensed by the Oregon Division of Financial Regulation, license 22301090. You can verify it with the Division directly.
Do you handle commercial claims?
Yes: commercial property, business interruption, and inventory losses.
What if my property isn't in Oregon?
We only represent clients where we're licensed. If you're somewhere else, we'll point you to a licensed public adjuster there, with your permission. No money changes hands for that referral.