Licensed · Trusted · Local

Your Claim. Our Fight.

The New Way
to Settle Claims.

We level the playing field.

Blue Star Adjusters exists because the old way wasn't good enough. Our experience isn't new — we bring years at the top of the industry and the conviction to finally do it right.

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"I quickly learned that I was no match for all the roadblocks the insurer set up in order to reduce their exposure. Insurance companies like to collect premiums but do not graciously pay the insured what is rightfully theirs."

— Irving Cooper, Homeowner


"You quickly learn that the allegiance of the insurance company is to its shareholders, not to its insured. Blue Star Adjusters' help and caring made our marriage, and our children's lives, much less stressful than it otherwise would have been."

— Alan Silver, Esq. & Cheryl Silver, Homeowners

Built With
Purpose & Conviction
Deep
Industry Experience
50%+
More Than Insurers Offer*
7
Regional Offices

About Blue Star Adjusters

Same Experience.
A New Way.

Blue Star Adjusters exists because the old way wasn't good enough. Our founder brings years at one of the nation's leading public adjusting firms — and the hard-won insight to know exactly what needed to change.

We left a legacy firm to build something leaner, more responsive, and 100% focused on you — without the bureaucracy that slows claims down. When disaster strikes your home or business, the insurance company sends their own adjuster paid to protect their bottom line. Blue Star Adjusters is on your side, working to maximize every dollar you're owed.

Our founder brought that ground-up expertise to public adjusting at one of the nation's leading firms, where he was recognized as a top producer across hundreds of losses — and now brings that same discipline to Blue Star, a boutique firm, a family office for your insurance review and your claims.

Remember — the tallest buildings in our major cities are named after insurance companies, as are our stadiums and arenas. That wealth came from somewhere.

Our team is experienced in every aspect of residential and commercial claims. We're ready to handle any catastrophe — from house fires and water damage to earthquakes and firestorms.

With offices in Santa Monica, Sacramento, San Francisco, Reno, Portland, Seattle, and Scottsdale, we understand your community, your local codes, and your local contractors — knowledge that translates to bigger settlements.

Unparalleled Expertise

Our team brings deep experience in every aspect of residential and commercial claims — policy language, coverage interpretation, and negotiation strategy — applied to every claim we handle.

No Conflict of Interest

We eliminate the fundamental problem with insurance company adjusters: one person representing two sides of a financial negotiation. Our sole allegiance is to you.

Local Knowledge

With offices in Santa Monica, Sacramento, San Francisco, Reno, Portland, Seattle, and Scottsdale, we understand your community, your local codes, and your local contractors — knowledge that translates to bigger settlements.

Our Offices
Santa Monica Sacramento San Francisco Reno Portland Seattle Scottsdale

From Our Founder

"I've stood on both sides of a construction set of plans — as a developer who builds, and as a public adjuster who fights to make policyholders whole. That dual background is the reason clients hire me and Blue Star Adjusters."
— Michael Rapport, Founding Principal

Our Services

Every Claim Is Unique.
Our Approach Is Too.

Recovering from a disaster is overwhelming enough without navigating complex insurance policies alone. Our professionals handle every aspect of your claim — so you can focus on your family and your life.

📋

Policy Review

We conduct a comprehensive review of your insurance policy and assist you in understanding and complying with all of its requirements — including the fine print insurers hope you'll overlook.

🏠

Damage Estimation

Our building experts prepare detailed, thorough estimates of all damages to your home — estimates that reflect the true cost of restoration, not the insurer's minimum acceptable payout.

⚖️

Code Upgrade Analysis

We identify and quantify code upgrade costs that may be covered under your policy — a significant source of recovery that most homeowners and insurance company adjusters miss entirely.

🔍

Bid Comparison

We analyze all contractor estimates by preparing a formal bid comparison, identifying any omissions that would leave money on the table during the reconstruction of your property.

🎨

Contents Inventory

Our inventory specialists document all household belongings with special attention to antiques, fine arts, collectibles, and other items requiring specialized valuation expertise.

🏨

Additional Living Expenses

We quantify the additional living expenses you're entitled to while displaced — ensuring your family can live comfortably in the manner you are accustomed, at no out-of-pocket cost to you.

🤝

Claim Advocacy

We present your itemized claim package to your insurer with your approval, and serve as your advocate at every inspection, meeting, and negotiation — with your interests as our only priority.

💬

Ongoing Communication

You'll hear from us at every step of the process. No wondering where your claim stands — we keep you informed so there are no surprises and no stressful gaps in information.

💰

Maximum Recovery

We drive the entire process with a proactive claim management strategy designed to maximize your financial recovery. We are not satisfied until we've exhausted every avenue of compensation.

Our Process

Why Starting Early Makes All the Difference

1

Free Review

Schedule a free review to discuss your claim with our team at no cost or obligation.

2

Policy Review

We identify all avenues of recovery available under your policy.

3

Scope the Loss

We participate in determining the full scope of your loss from day one.

4

Build Your Claim

We prepare and present a detailed, itemized claim package on your behalf.

5

Maximize Settlement

We negotiate proactively to get you the most money as fast as possible.

Side-by-Side

Blue Star Adjusters vs. Going It Alone

Category Blue Star Adjusters Handling It Yourself
Experience ✓Decades of claims experience with building, inventory, and legal specialists Probably your first and only loss — no prior experience to draw from
Inventory ✓Inventory experts with extensive databases ensure nothing is missed, including fine arts and antiques Emotional ties to personal property make thorough documentation difficult; likely to miss claimable items
Building Scope ✓We dictate scope using hundreds of prior claims; familiar with fire vs. new construction standards Insurance company determines scope and chooses the contractor — protecting their interests, not yours
Control ✓We dictate the manner and method of the entire adjustment process — proactively, not reactively The insurance company controls the process end to end
Cost ✓Percentage of settlement — our incentive is to maximize your recovery Likely smaller recovery; monetary loss from missed coverages; emotional rush to settle can reduce your payout
Speed ✓Strong financial incentive to expedite settlement on your behalf Insurers are rarely motivated to pay quickly
Final Say ✓You always have final say on any settlement You have final say — but far less information to make the right decision

Client Feedback

"Not only were you thorough and knowledgeable about the asset listing and the prices, but you were kind, patient, and understanding. You seemed to know when my wife was getting exhausted by the process and called a break at just the right moment. I am impressed and amazed at your tenacity and your understanding."
— James T. Danaher, Homeowner

Why Blue Star Adjusters

The Press Agrees: You Need an Advocate.

Most homeowners don't realize they have the right to hire their own adjuster — someone who works for them, not the insurance company. Independent journalism and consumer advocates consistently recommend public adjusters for any significant property claim.

Blue Star Adjusters brings that independent advocacy together with deep experience in every aspect of residential and commercial claims — ready to fight for every dollar you deserve.

Wall Street Journal

"If you have any sort of significant homeowner property claim, we recommend that you not file a claim without having a public adjuster to represent your interests."

Your Money — Free Press

"Public adjusters may charge as much as 10 percent of the insurance settlement, but they often pay for themselves by speeding the settlement and by getting you more money from the insurance company than you'd have gotten on your own."

Bottom Line Personal

"Insurers are pressuring their claims adjusters to keep damage claim payouts at or below the industry average. A public insurance adjuster safeguards the interests of the consumer."

Six Strong Reasons

Why Homeowners Choose Blue Star

We Work for You Alone

Unlike the adjuster sent by your insurance company, our sole obligation is to you. There is no conflict of interest — no divided loyalty between you and the insurer's balance sheet.

Remember — the tallest buildings in our major cities are named after insurance companies, as are our stadiums and arenas. That wealth came from somewhere.

We Start Early, Finish Strong

Our ability to affect your outcome diminishes with time. Involving us from the beginning of your claim — before any missteps are made — consistently produces the best results.

Expert Team, Every Claim

Your claim is handled by a full team: building estimators, inventory specialists, accountants, and licensed public adjusters working in concert. Not a single generalist on their own.

Free Initial Review

Schedule a free review to discuss the details of your claim at absolutely no cost. We'll explain what we can do — and you decide whether to proceed, with no pressure.

Experience You Can Trust

Blue Star Adjusters is a new firm — built intentionally by a veteran of one of the nation's leading public adjusting firms. You get the benefit of deep industry experience without the outdated methods that come with it.

Percentage-Based Fees

We are compensated as a percentage of your settlement, typically 10–20%. This means our incentive is perfectly aligned with yours: the higher your recovery, the better for both of us.

Past Clients

Trusted by Thousands — Including Some Familiar Faces

Our reference list spans over 4,000 satisfied clients. Here is a small selection of well-known names we have had the honor of serving.

Kareem Abdul-JabbarBasketball Player
Kathryn BigelowFilm Director / Producer
James L. BrooksFilm Director / Writer
Jackie CollinsAuthor
Don HenleyRock Artist, The Eagles
Dustin HoffmanActor
Ashley JuddActress
Jeffrey KatzenbergFilm Producer
Norman LearTV Director / Producer
Ed McMahonActor
Sergio MendesBrazilian Musician
Wayne NewtonEntertainer
Rob ReinerFilm & TV Director
Barbara StanwyckActress
Gore VidalNovelist / Playwright
Haskell WexlerCinematographer

The New Way to Settle Claims

Let's Talk About Your Claim

"Your insurance company has an adjuster protecting their interests. You have the right to one too."

We level the playing field — and we fight to make sure you get every dollar you're owed. Call us today for a free, no-obligation consultation.

Schedule a Free Review Email Us

Meet the Founder

Your Adjuster. Your Advocate.

Michael
Rapport.

Founding Principal, Blue Star Adjusters. Principal, MSR Properties. 25 years as a developer and merchant builder. Top producer at one of the nation's leading public adjusting firms. Licensed personally in 7 states — always working for the insured, never for the carrier.

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Michael Rapport, Founder and Lead Public Adjuster of Blue Star Adjusters

"I've stood on both sides of a construction set of plans — as a developer who builds, and as a public adjuster who fights to make policyholders whole. That dual background is the reason clients hire me and Blue Star Adjusters."

— Michael Rapport, Founding Principal

25+
Years in Development
Top
Producer at Industry Leader
7
States Licensed
50%+
More Than Insurers Offer*

Built From the Ground Up

The Background
That Changes
Everything.

Michael built his career developing affordable housing, commercial projects, and hospitality assets — measuring and estimating rebuild costs to current building and fire code, value-engineering plans across electrical, mechanical, and structural trades, and coordinating with health departments, planning commissions, and use-and-occupancy authorities.

As the redevelopment developer for MSR Properties, he has built to the City of San Francisco's seismic retrofit ordinance — arguably the most complex seismic code in the world. That ground-up experience with the strictest life-safety, structural, and code-upgrade requirements is exactly what he brings to every insurance claim: he already knows what a full code-compliant rebuild looks like, and he knows how to prove it to a carrier.

Our founder brought that ground-up expertise to public adjusting at one of the nation's leading firms, where he was recognized as a top producer across hundreds of losses — and now brings that same discipline to Blue Star, a boutique firm, a family office for your insurance review and your claims.

Remember — the tallest buildings in our major cities are named after insurance companies, as are our stadiums and arenas. That wealth came from somewhere.

Development Expertise

25 years across affordable housing, commercial, and hospitality. Michael knows what a rebuild actually costs — and he won't let your insurer underpay it.

SF Seismic Code

Built to the City of San Francisco's seismic retrofit ordinance — the most complex seismic code in the world. Ordinance-of-law and code-upgrade triggers other adjusters miss are his specialty.

Licensed in 7 States

Michael Rapport is personally licensed to represent policyholders in 7 states — always working for the insured, never for the carrier.

A Family Office for Insurance

Every engagement is discreet, senior-led, and built around the client's privacy. References are held in confidence and available on request.

Your Adjuster For

Residential & Commercial Claims

Residential

Your Home.
Fully Recovered.

When your home is damaged, your insurer sends their adjuster. We send ours — a developer who knows exactly what your rebuild costs and won't let the carrier set the scope.

  • ✓Fire, wildfire & smoke losses
  • ✓Water & plumbing failures
  • ✓Trees & falling-object damage
  • ✓Collapse — snow load & structural
  • ✓Ordinance of law & code upgrades
  • ✓Contents valuation & inventory
  • ✓Additional living expenses (ALE)
  • ✓Lead, asbestos & mold remediation analysis

Commercial

Your Business.
Fully Recovered.

Commercial claims are more complex — more code requirements, more stakeholders, more ways for carriers to undervalue the loss. Michael's development background means nothing gets missed.

  • ✓Fire, water & structural losses
  • ✓Business interruption & loss of income
  • ✓Dependent-property / contingent BI
  • ✓Equipment breakdown & failure claims
  • ✓Ordinance of law & seismic code upgrades
  • ✓Rebuild cost estimating & Xactimate
  • ✓IH report interpretation & remediation
  • ✓Litigation support & demand packaging

Carrier Experience

There Isn't an Insurance Line
We Aren't Expert In.

We have successfully represented insureds against every major carrier segment — captive, non-captive, and surplus lines.

Captive Carriers

  • Farmers Insurance
  • State Farm
  • Allstate
  • California Casualty
  • CA FAIR Plan

Non-Captive Carriers

  • Liberty Mutual
  • Nationwide
  • Chubb
  • Zurich
  • Assurant

Surplus & Excess Lines

  • Westchester (Chubb)
  • Scottsdale Insurance
  • All major E&S markets

Who We Serve

A Boutique Practice.
A Family Office.

Every engagement is discreet, senior-led, and built around the client's privacy. Client names and references are held in confidence and available on request.

Technology Executives

Senior leaders from the nation's leading technology firms.

Private Equity & Finance

Partners at the nation's largest private equity and financial firms.

Entertainment

Principals and executives at major entertainment companies.

Law Firm Partners

The professionals hired to fix problems — who come to us to fix their own.

Luxury Home Builders

Including one of Los Angeles' largest luxury residential builders.

High-Net-Worth Homeowners

Family offices and high-net-worth individuals across 7 states.

Call Before the Carrier Sets the Narrative

Let's Talk About Your Claim

"Your insurance company has an adjuster protecting their interests. You have the right to one too."

We level the playing field — and we fight to make sure you get every dollar you're owed.

Schedule a Free Review Email Us

Get Started

Schedule a Free Review

Tell us a little about your situation and we'll review your information and discuss the best next steps for your claim. There is no cost or obligation for the initial review.

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