Baltimore County's Suburban Sprawl and Older Neighborhoods Both Deserve More Than the First Offer.

From Towson to Catonsville, Dundalk to Pikesville — when property damage strikes anywhere in Baltimore 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 Baltimore County

From post-war homes to new builds

Baltimore County surrounds the city with very different property types: Towson's suburban core, post-war homes in Catonsville and Arbutus, and newer subdivisions near Timonium and Lutherville. Older ranches and expanding developments face recurring wind, roof, and water losses during severe weather. Along the Patapsco River corridor, flooding can add another layer of complexity for affected properties.

Capitol Adjustment helps county homeowners build well-supported storm, water, and fire claims across these varied neighborhoods. We identify the repair scope and replacement details insurers may overlook, from older construction systems to higher-end finishes. A skilled advocate can be crucial when a widespread storm produces competing estimates and a fast initial settlement offer.

Storm-damaged Baltimore County home

Local landmarks we serve

Towson Town Center area
Catonsville historic district
Patapsco River corridor
Timonium fairgrounds area
Cockeysville and Hunt Valley corridor

Why Baltimore 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 Baltimore County and the greater Baltimore metro.

No Upfront Cost

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

Licensed in Maryland

Fully licensed MD public adjusters serving Towson, Catonsville, and all of Baltimore 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

Baltimore 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 all of Baltimore County

Towson
Catonsville
Dundalk
Essex
Pikesville
Owings Mills
Reisterstown
Lutherville-Timonium
Cockeysville
Hunt Valley
Perry Hall
White Marsh
Rosedale
Parkville
Overlea
Randallstown
Woodlawn
Arbutus
Halethorpe
Lansdowne

Common Questions

Baltimore County public adjuster FAQs

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

Yes. We hold a Maryland public adjuster license and handle claims throughout Baltimore County — from Towson and Catonsville to Dundalk, Pikesville, Owings Mills, Perry Hall, and the communities along the I-695 corridor.

What types of property damage are most common in Baltimore County?

Wind and hail from summer convective storms is the leading claim driver in Baltimore County. The county's mix of older Dundalk, Essex, and Catonsville housing stock and newer developments in Owings Mills, Perry Hall, and White Marsh creates a wide range of claim types. Patapsco River flooding affects properties in Catonsville and Arbutus. Ice dams and burst pipes are common in the county's older homes during harsh winters.

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

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

My Baltimore County home had fire damage — what should I do?

Call us at 267-343-7301 before you speak with your insurer's adjuster if at all possible. Document everything with photos and video. Don't discard any damaged contents — they are part of your claim. We'll conduct a thorough inspection, build a complete structural and contents scope, and manage the entire claims process on your behalf. One Catonsville homeowner received an initial fire offer of $47,000; after we documented the full scope, the settlement reached $103,000.

Can a public adjuster help with a denied claim in Baltimore County?

Yes. A denial is not final. We review the denial letter, identify the insurer's stated basis, and build a documented rebuttal. Common denial reasons — 'pre-existing condition,' 'maintenance issue,' 'excluded cause' — are frequently overturned when the damage is properly documented. Call 267-343-7301 to discuss your situation.

Does Capitol Adjustment handle older home claims in Dundalk and Essex?

Yes — and older homes require particular attention. Dundalk and Essex have significant mid-century housing stock where replacement materials may not be readily available, where code upgrades are triggered by the repair scope, and where hidden damage is common. We document these factors specifically and make sure the settlement reflects the true cost of restoring an older Baltimore County home to its pre-loss condition.

How much does Capitol Adjustment charge in Baltimore 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. Baltimore County homeowners consistently recover more with professional representation than they do negotiating alone.

Dealing with property damage in Baltimore 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