Public Adjusters in Annapolis, MD

Annapolis is one of the most weather-exposed state capitals in the nation. Situated on a peninsula at the confluence of the Severn River and the upper Chesapeake Bay, the historic city faces overlapping threats: hurricane storm surge channeled up the Bay, nor'easter coastal flooding, and the chronic tidal flooding (locally called nuisance flooding) that now affects downtown streets dozens of times per year. The city's historic district contains some of the oldest residential structures in the United States, many of which require specialized knowledge to repair properly and carry unique insurance considerations related to historic preservation requirements.

The Chesapeake Bay's funnel geometry means that storm surge from major hurricanes can be amplified as it pushes northward through the Bay. Hurricane Isabel (2003) produced a storm surge that inundated much of historic Annapolis under several feet of water, causing tens of millions of dollars in damage. Sea-level rise has lowered the threshold for significant flooding events, and both NFIP flood policies and homeowners insurance claims are increasingly common for waterfront and near-waterfront properties throughout the city and Anne Arundel County.