Property Damage in Massachusetts?

Protecting Your Home. Maximizing Your Claim.

Five Star's licensed public adjusters handle Massachusetts property claims, from fire losses in older multi-family homes to ice dams, frozen pipes and coastal storm damage. We work for you, not the insurance company, and we are paid only if we recover money for you.

Licensed public adjusters in Massachusetts
Fire, winter water damage and storm claims
No upfront costs. We are paid from the recovery, or not at all

Call Our Massachusetts Team: 888-578-2735

$1 Billion+

Dollars Recovered

19+

Years In Business

60,000+

Satisfied Clients

1,500+

Google Reviews

Real Results

Clients we've helped across the country

Claim increased from $9,211 to $82,425 — Initial Insurance Offers $9,211
Five Star Result: **$82,425**
+794%

Claim increased from $20,646 to $147,000 — Initial Insurance Offers $20,646
Five Star Result: **$147,000**
+612%

Claim increased from $19,118 to $37,088 — Initial Insurance Offers $19,118
Five Star Result: **$37,088**
+94%

Claim increased from $740,182 to $2,112,227 — Initial Insurance Offers $740,182
Five Star Result: **$2,112,227**
+185%

Types of Claims We Handle

Storms, fires, leaks, or structural issues—we handle it all. Our licensed public adjusters bring experience, precision, and tenacity to every claim, residential or commercial.

Hurricane Damage

Hurricanes bring wind, rain, and flooding—often all at once. We handle the complexity of hurricane claims to get you the recovery you deserve.

Flooding Damage

Floods can quickly destroy floors, walls, and foundations. We document every detail and fight to get you the full compensation you’re entitled to.

Water Damage

Water damage can quickly spread and cause costly repairs. We help ensure every drop of damage is properly documented and covered.

Fire Damage

Fires often cause more than visible destruction—smoke, soot, and water damage add to the loss. We handle the full scope of your fire damage claim.

Mold Damage

Mold spreads fast and is often excluded or limited in policies. We help prove the cause, document the damage, and push for maximum coverage.

Storm Damage

Severe storms can leave behind roof damage, broken windows, and hidden leaks. Our adjusters make sure your storm-related losses are fully accounted for.

Massachusetts Property Claims: Fire, Winter Damage and Coastal Storms

Massachusetts claims have a character of their own: an older housing stock, long winters and an exposed coastline. These are the issues that come up most.

Fire in older and multi-family homes

Much of Massachusetts housing is older wood-frame construction, including the two- and three-family homes common around Boston and in the state's older cities. A fire in one unit rarely stays there: smoke travels through shared walls and stairwells, and the water used to put the fire out damages the floors below. Each owner's and tenant's policy covers a different part of the same loss, and the smoke and water damage away from the fire is the part most often underpaid.

The Massachusetts standard fire policy

Massachusetts property policies are built on a standard fire policy written into state law. Among other things it gives both sides an appraisal process for disputes over the amount of the loss and generally requires any lawsuit over the claim to be brought within two years of the loss. Those time limits run whether or not the claim is still being negotiated, so it matters to know where you stand.

Ice dams, snow and frozen pipes

When snow melts on a warm roof and refreezes at the eaves, it forms an ice dam that pushes water up under the shingles and into ceilings and walls. The resulting water damage inside is usually covered as sudden damage, even when the insurer will not pay to fix the roof itself. Many policies also cover collapse caused by the weight of ice and snow. Burst pipe damage is usually covered too, unless the home was left without heat and the water on.

Nor'easters and coastal property

Nor'easters and the occasional hurricane bring wind damage to roofs, siding and trees, which homeowners policies cover, and coastal flooding, which they do not. Flood needs a separate flood policy. Many homes near the coast are insured through the Massachusetts FAIR Plan, and coastal policies often carry a separate wind or hurricane deductible set as a percentage of the dwelling limit. Check your declarations page before you estimate what a storm claim will pay.

Questions we hear in Massachusetts

Is Five Star licensed in Massachusetts?

Yes. Massachusetts is one of the states where Five Star's public adjusters are licensed. Every public adjuster working in Massachusetts must hold a license from the Division of Insurance, and you can check any adjuster's license there before you sign anything.

How do I reach Five Star about a Massachusetts claim?

Call 888-578-2735 or request a free claim review on this page. We will ask about the property and the damage and arrange an inspection.

Is ice dam damage covered by homeowners insurance?

The water damage inside your home usually is, because it is sudden damage from water entering the house. Repairing the ice dam or the roof itself may not be. Photograph the ice at the eaves and the damage inside before anything is removed.

What does a public adjuster cost?

Nothing upfront. Our fee is a percentage of what the insurer pays on your claim, set out in a written contract before we start, and we are paid only if we recover money for you.

19+ years of successful claims

When disaster hits, every dollar matters. Policyholders who hire an adjuster typically see far higher payouts, up to 747% more than going it alone. At Five Star, we handle your entire claim, advocate for your best outcome, and make sure nothing gets missed.

Source: OPPAGA analysis. Data refers to the median (50th percentile or typical) payment.

OPPAGA chart comparing median insurance claim payments with and without a public adjuster

Support and expertise you can trust, every step of the process.