Water damage
Burst pipes, appliance leaks, plumbing failures, backups, and resulting interior damage.
Maryland service area
Maryland public adjusters for homes and businesses.
Caretake handles residential and commercial property claims in all 23 Maryland counties and Baltimore City. We help with fire, water, storm, roof, theft, large-loss, and business-interruption claims, including claims the insurer has denied or underpaid.
We work for the policyholder, not the insurance company. We review coverage, inspect and document the damage, value the loss, and negotiate the claim.
Public adjusting services
What property claims does Caretake handle in Maryland?
Caretake handles the full range of residential and commercial property insurance claims throughout Maryland. We can manage the claim from the initial review through inspection, documentation, estimating, and negotiations with the insurer.
Fire and smoke
Fire, smoke, soot, odor, firefighting water, damaged contents, and building repairs.
Mold after a covered loss
Mold remediation and repairs when mold follows covered sudden water damage.
Storm, wind, and hail
Roof, siding, window, tree, detached-structure, and interior water damage.
Roof damage
Repair scope, matching, code requirements, deductibles, and depreciation.
Vandalism and theft
Building damage, damaged systems, stolen belongings, and contents values.
Large and complex losses
Extensive building and contents damage involving multiple estimates, vendors, and coverage categories.
Commercial property and business interruption
Buildings, tenant improvements, inventory, equipment, income, and continuing expenses.
Denied and underpaid claims
Coverage denials, claim delays, closed files, missing damage, and disagreements over repair scope or cost.
Regional claim differences
How does location affect a Maryland property claim?
Location can affect the cause of damage, the repairs required, and which coverage applies.
Baltimore and Central Maryland
In an attached Baltimore rowhouse, water, fire, or smoke can move through party walls, connected roof lines, and concealed floor or ceiling cavities. Exterior repairs in the Annapolis Historic District may also need preservation approval before work begins.
Capital Region and Frederick
Exterior work in the Takoma Park Historic District, at designated historic sites and districts in Prince George’s County, and in the Frederick Town Historic District may require local approval. That review can affect the roofing, windows, siding, masonry, and repair methods included in the estimate.
Southern Maryland
Homes along the Chesapeake and Potomac can suffer wind damage, tidal flooding, and drain backups in the same storm. Each source of water should be documented separately because homeowners, flood, and water-backup coverage may apply differently.
Western Maryland
In Garrett and Allegany counties, winter losses commonly involve frozen pipes, ice dams, the weight of snow or ice, and fallen limbs. For a vacant or seasonal home, coverage may depend partly on whether heat was maintained or the water was shut off.
Eastern Shore
Ocean City is a barrier island, and flood exposure across the Eastern Shore varies with elevation and mapped flood zone. When one storm causes both wind damage and flooding, the claim should distinguish roof or wall damage from the high-water line.
Our process
What happens after you request a claim review?
We can help before you file, while the claim is open, or after the insurer delays, denies, closes, or underpays it.
- 01
Review the claim and policy
Tell us what happened and share the policy along with any insurer letters, estimates, payments, or photos. We review the file to see where the claim stands and which coverage may apply.
- 02
Inspect the property
We inspect the property to identify the damage and repairs needed. We photograph and measure what we find.
- 03
Value and support the claim
We use those findings to price the repairs and value damaged or stolen contents. We also calculate temporary living expenses and business-interruption losses, then gather the records that support each amount.
- 04
Present and negotiate the claim
We submit the claim package, handle communications and inspections with the insurer, and negotiate what it will cover and pay. If the claim is denied, we challenge the decision with the policy language and evidence supporting the claim.
Maryland counties and communities
Which Maryland counties and communities do we serve?
Caretake serves all 23 Maryland counties and Baltimore City, including communities not listed below.
Baltimore and Central Maryland
Anne Arundel County
Annapolis, Arnold, Crofton, Edgewater, Glen Burnie, Odenton, Pasadena, Severna Park
Baltimore City
Baltimore citywide
Baltimore County
Towson, Catonsville, Dundalk, Essex, Owings Mills, Parkville, Perry Hall, Pikesville, Randallstown, Reisterstown
Carroll County
Westminster, Eldersburg, Hampstead, Mount Airy, Sykesville, Taneytown
Harford County
Bel Air, Aberdeen, Edgewood, Fallston, Havre de Grace, Joppatowne
Howard County
Ellicott City, Clarksville, Columbia, Elkridge, Fulton, Savage
Capital Region and Frederick
Frederick County
Frederick, Brunswick, Middletown, Mount Airy, Thurmont, Urbana, Walkersville
Montgomery County
Rockville, Bethesda, Chevy Chase, Gaithersburg, Germantown, Potomac, Silver Spring, Takoma Park, Wheaton
Prince George's County
Upper Marlboro, Bowie, College Park, Clinton, Fort Washington, Greenbelt, Hyattsville, Laurel, National Harbor, Oxon Hill
Southern Maryland
Calvert County
Prince Frederick, Chesapeake Beach, North Beach, Dunkirk, Lusby, Solomons
Charles County
La Plata, Waldorf, Bryans Road, Hughesville, Indian Head
St. Mary's County
Leonardtown, California, Great Mills, Hollywood, Lexington Park, Mechanicsville
Western Maryland
Allegany County
Cumberland, Frostburg, La Vale, Lonaconing, Westernport
Garrett County
Oakland, Deep Creek Lake, Grantsville, McHenry, Mountain Lake Park
Washington County
Hagerstown, Boonsboro, Hancock, Smithsburg, Williamsport
Eastern Shore
Caroline County
Denton, Federalsburg, Greensboro, Preston, Ridgely
Cecil County
Elkton, Chesapeake City, North East, Perryville, Rising Sun
Dorchester County
Cambridge, Hurlock, East New Market, Vienna
Kent County
Chestertown, Betterton, Galena, Millington, Rock Hall
Queen Anne's County
Centreville, Chester, Grasonville, Kent Island, Queenstown, Stevensville
Somerset County
Princess Anne, Crisfield, Deal Island, Westover
Talbot County
Easton, Oxford, St. Michaels, Tilghman Island, Trappe
Wicomico County
Salisbury, Delmar, Fruitland, Hebron, Pittsville
Worcester County
Snow Hill, Berlin, Ocean City, Ocean Pines, Pocomoke City
No-pressure commitment
Clear terms and time to change your mind
Before you sign, Caretake explains what we will do, what it costs, and what to expect.
Policyholder resources
Maryland property claim guides
Read about coverage, documentation, and insurer disputes after common property losses.
Water damage claims in Maryland
How policies treat burst pipes, appliance leaks, backups, seepage, and flood—and what to document after water enters the home.
Read guide →Fire and smoke damage claims in Maryland
What to document when fire, smoke, soot, odor, and firefighting water affect the building or belongings.
Read guide →Storm, wind, and hail damage claims in Maryland
How to inspect and document roof, siding, window, tree, and interior damage after wind or hail.
Read guide →Roof damage claims in Maryland
How repair scope, matching, deductibles, depreciation, and wear-and-tear disputes affect a Maryland roof claim.
Read guide →Vandalism and theft claims in Maryland
How to protect the scene, inventory missing property, and document damage after vandalism or theft.
Read guide →Insurer tactics after a property loss
How delay, incomplete estimates, depreciation, and narrow repair scopes can reduce a property claim.
Read guide →Frequently asked questions
Common questions about Maryland property claims
Can I hire a public adjuster anywhere in Maryland?
Yes. Caretake serves policyholders in all 23 Maryland counties and Baltimore City.
When should I hire a public adjuster?
You can contact Caretake before filing a claim or while the claim is open. You do not need to wait for the insurer’s estimate or coverage decision.
Can a public adjuster help with a denied or underpaid property insurance claim?
Yes. For a denied claim, Caretake reviews the policy, denial letter, cause of loss, and supporting evidence. For an underpaid claim, Caretake reviews the damage scope, estimate, and payments. Delayed or closed claims may still be reviewable, but some cannot be reopened after a deadline.
How are public adjusters paid in Maryland?
Caretake charges no upfront fee and is paid only when it recovers money for you. The contract also states any approved expenses.
Do public adjusters need a license in Maryland?
Yes. Public adjusters must be licensed before working in Maryland. Caretake holds Maryland Public Adjuster Firm License #3004262240 and represents policyholders, not insurance companies.
Does Maryland homeowners insurance cover wind-driven rain, flood, or storm surge?
Wind damage and rain entering through a storm-created opening may be covered. Rising water and storm surge are generally excluded and usually require flood insurance. Caretake reviews wind and water damage separately, which is especially important along the Chesapeake Bay, Potomac River, and Atlantic coast.
Can a public adjuster handle commercial property and business interruption claims?
Yes. Caretake handles commercial property claims throughout Maryland, including damage to buildings, inventory, and equipment. When covered property damage forces a business to close or scale back, Caretake can document business-interruption losses such as covered income and continuing expenses.
Talk to Caretake
Have Caretake review your claim.
Tell us what happened, what the insurer has done, and what concerns you. The review is free.
Your policy and the facts of the loss determine coverage.