Anne Arundel County's Chesapeake Waterfront and Annapolis Homes Face Unique Risks. We Fight for Every Dollar.

From Annapolis to Glen Burnie, Severna Park to Pasadena — when property damage strikes anywhere in Anne Arundel County, Capitol Adjustment fights to get you every dollar your claim is worth.

Available 24/7
Licensed PA · NJ · DE · MD · CT
Contingency only — $0 upfront
400 Mack Drive, Croydon PA — minutes away

Serving Anne Arundel County

Waterfront claims need a coastal perspective

Anne Arundel County combines Annapolis's colonial-era waterfront homes with growing suburbs along the BWI corridor. Properties on the South River, Severn River, and Chesapeake Bay face coastal flood exposure, wind-driven rain, and moisture damage. Arnold and Severna Park waterfront neighborhoods can also carry substantial replacement values.

Capitol Adjustment brings focused claim advocacy to waterfront, historic, and suburban losses throughout the county. We help homeowners document flood-related water damage, storm impacts, and fire losses in a way that reflects specialized materials and real rebuilding costs. That experience matters when a claim involves high-value finishes, older construction, or difficult access near the water.

Storm-damaged waterfront home in Anne Arundel County

Local landmarks we serve

Annapolis historic district
Chesapeake Bay waterfront
South River communities
Severna Park
BWI Airport corridor

Why Anne Arundel County Chooses Us

We work for you — not the insurance company

125+ Years Combined Experience

Our team has handled hundreds of property damage claims across Anne Arundel County, including waterfront and coastal properties.

No Upfront Cost

We work on contingency. You pay nothing until we recover your settlement.

Licensed in Maryland

Fully licensed MD public adjusters serving Annapolis, Glen Burnie, and all of Anne Arundel County.

Available 24/7

Property damage doesn't wait for business hours. Neither do we. Call us any time at 267-343-7301.

What We Handle

Anne Arundel County property damage claims we manage

Fire Damage
Smoke Damage
Water Damage
Storm Damage
Roof Damage
Wind Damage
Hail Damage
Burst Pipes
Mold Damage
Vandalism

Coverage Area

Serving Annapolis and all of Anne Arundel County

Annapolis
Glen Burnie
Severn
Severna Park
Pasadena
Odenton
Crofton
Millersville
Linthicum
Brooklyn Park
Hanover
Gambrills
Davidsonville
Edgewater
Arnold
Cape St. Claire
Riva
Shady Side
Deale
Churchton

Common Questions

Anne Arundel County public adjuster FAQs

Is Capitol Adjustment licensed to handle claims in Anne Arundel County, MD?

Yes. We hold a Maryland public adjuster license and handle claims throughout Anne Arundel County — from Annapolis and Glen Burnie to Severna Park, Pasadena, Crofton, and the waterfront communities along the Chesapeake Bay and its tributaries.

What types of property damage are most common in Anne Arundel County?

Coastal storm and nor'easter damage is the leading claim driver in Anne Arundel County, particularly for waterfront and near-waterfront properties in Annapolis, Edgewater, Riva, and the South County communities. Wind, hail, and water intrusion from summer convective storms affect the entire county. Flooding from the Severn River, South River, and Chesapeake Bay tributaries creates significant exposure for low-lying properties. We handle all of these claim types.

How does Maryland's insurance claims process protect Anne Arundel County homeowners?

Maryland's Insurance Administration oversees claims handling, and state law requires insurers to acknowledge claims within 10 days and pay or deny within 15 days of receiving a complete proof of loss. Maryland also has strong consumer protection statutes that apply to insurance disputes. We know the regulatory framework and use it to hold insurers accountable on every Anne Arundel County claim we manage.

Can a public adjuster help with a waterfront property claim in Anne Arundel County?

Yes. Waterfront and near-waterfront properties present unique documentation challenges — coastal construction standards, flood zone requirements, and the interaction between homeowner policies and NFIP flood policies. We handle both policy types and understand the specific documentation requirements for Anne Arundel County coastal losses. One Annapolis waterfront homeowner received an initial storm damage offer of $29,000; after we documented the full scope, the settlement reached $74,000.

My Anne Arundel County home was denied — what are my options?

A denial is not final. We review the denial letter, identify the insurer's stated basis, and build a documented rebuttal. Common denial reasons — 'flood exclusion,' 'pre-existing condition,' 'maintenance issue' — are frequently challenged successfully when the damage is properly documented and the policy language is correctly interpreted. Call 267-343-7301 to discuss your situation.

How much does Capitol Adjustment charge in Anne Arundel County?

We work on a contingency fee basis — you pay nothing until we recover your settlement. No upfront costs, no hourly fees. Our fee is a percentage of the final settlement we recover for you. Anne Arundel County homeowners consistently recover more with professional representation than they do negotiating alone.

Does Capitol Adjustment handle mold claims in Anne Arundel County?

Yes. Anne Arundel County's humid coastal climate and older housing stock create significant mold exposure, particularly after water intrusion events. Insurers frequently dispute mold coverage or limit payouts to the minimum remediation scope. We document the moisture source, the extent of mold growth, and the full remediation and reconstruction cost, then negotiate until the settlement reflects the real scope of work.

Dealing with property damage in Anne Arundel County?

Call us now or request a free claim review. We'll tell you exactly what your claim is worth — no obligation.

What Our Clients Say

Real Stories. Real Results.

Verified Google reviews from homeowners we've helped.

"After dealing with a stressful insurance claim and months of back-and-forth with the insurance company, I honestly don't know what I would have done without this team. They went to bat for me and fought tirelessly on my behalf, handling mountains of paperwork and constant pushback. Their persistence and expertise resulted in a settlement that far exceeded what I could have achieved on my own. Beyond their professionalism, they are genuinely good people who truly care about their clients and treat you like family."
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Theodore Brophy

2 weeks ago · Google Review

"I had an amazing experience working with Capitol Adjustment and their team. From start to finish, they were professional, responsive, and truly had my best interest in mind. They worked hard on my claim and were able to get me a significant amount of money back — way more than I expected. You can tell they genuinely care about their clients and go above and beyond to make sure everything is handled properly."
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Jennifer Brooks-Donnelly

3 months ago · Google Review

"My girlfriend and I contacted Tim at Capitol Adjustment when we experienced water damage on our newly purchased home. Tim and his company came out right away, took photos, assessed the damage, and helped us navigate through our insurance claim process with proper documentation. They've been extremely professional and super helpful throughout these last few months. Tim and his company were there every step of the way to answer any questions and kept us fully up to date throughout the whole process."
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Doug Casale

1 month ago · Google Review

"We were on the fence about whether or not to use an adjuster when dealing with fire damage at our home, and we could not be more grateful. Thanks to Dave's knowledge and request to cut a small hole in our ceiling, our insurance discovered severe smoke damage in all of our ceilings and behind our walls. Steve continued to be incredibly supportive during the 5 months we were displaced. These guys absolutely know their stuff. We don't know how we would have made it through this year without them!"
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Kyle Leigh Healy

7 months ago · Google Review

"If there's one thing you should do in the event of having a home disaster is call Capitol Adjustment. I had a pipe burst and it damaged all floors of my home! With the proper guidance and education from Dave Ryan I was able to have my home repaired! Dave not only handled everything with my insurance company, he also helped me find a reliable contractor for the repairs. Dave by far goes above and beyond for his customers and I highly recommend him!!"
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Roneece D

8 months ago · Google Review

"I had an awesome experience with Capitol Adjustment! I worked through the process with David Ryan and let me tell you, these guys know what they're doing. For someone like myself that had never been through an event like this before, Dave was able to clearly walk me through everything until it was resolved. I highly recommend using them!"
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Brett Estok

8 months ago · Google Review

"We are very grateful for the way Capitol Adjustment handled our claim and how they walked us through the process with no problems. They took care of dealing with the insurance company completely while I was able to take care of repairing my property. We would like to especially thank George Carroll for staying in touch with us throughout this entire time and for getting us great results."
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Paul Zito

6 months ago · Google Review

"Capitol Adjustment helped guide us through this stressful period. Dave and his team were professional and empathetic to the situation, informative and supportive in assessing all damages from a neighboring fire. They reviewed all our options and helped make the best decisions we could. I'd recommend their team if you and your family are ever in need."
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edgardo deleon

1 year ago · Google Review

"My roof sustained severe damage from a huge tree branch. I was lost on what to do. After our first conversation with George at Capitol Adjustment, I knew I called the right person. The professional, quick service — from removing the tree branch, speaking with my insurance company, to having the roof and gutters replaced — was outstanding. It was a real pleasure dealing with such an honest person. I don't write reviews unless it's 5-star service. This was definitely it."
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George Brown

1 year ago · Google Review

"Words and appreciation cannot be expressed as it deserves. My adjuster Shawn and his team are unbelievable — caring, precise, attentive, detailed, and hard working. Shawn did everything possible to make sure my husband and I entered our home in a better state than before. We were entirely blessed to have come across a group of people who made sure our home was back better than before."
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DIAMOND GHEE JR.

1 year ago · Google Review

"George provided outstanding support after storm damage to a roof and interior. He was extremely communicative and responsive throughout the entire process, keeping me informed at every step. What impressed me most was how he guided me through the complex insurance claim process and handled all correspondence with my insurance company on my behalf. His expertise and professionalism made a stressful situation much more manageable."
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Anthony Smyrski

1 year ago · Google Review

"I worked with Tim and the Capitol Adjustment team and they are a delight to work with. They helped me understand the process and proactively worked with my mortgage company to get status on payments. If you are looking for a proactive claim adjuster willing to hold your hand throughout the process, it is Tim and Capitol Adjustment."
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Buyan Kumar

1 year ago · Google Review

"My husband and I bought our first home and about a month later had a major sewer line issue. Steve from Capitol was a referral through family and I am so glad we contacted him. His time spent dealing with our insurance company alone shows the dedication he has to the business. It took almost a year of battling with our insurance company but he was able to have our loss and the damage covered. Without hesitation, I would recommend Capitol — they know the industry and took a lot of stress off of us."
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Madison Brandt

4 years ago · Google Review

"These folks at Capitol Adjustment were absolutely terrific in getting me the most for my home destroyed by fire! They seem to care about their clients, which is something I worried about, but they were very caring and understanding. It is a tough time and they alleviated much of the stress associated with a house fire. Kudos to George and Tim!"
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Robbie Ellis

1 year ago · Google Review

Reviews sourced from Google