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Troy Willis
Troy Willis

Troy Willis is a nationally recognized public adjuster, CEO, and industry pioneer with decades of expertise fighting on the front lines for policyholders’ rights. As the CEO of Willis, Willis & Willis Public Adjusters, Troy leads with grit, precision, and a deep commitment to justice in the insurance claims process.

Known for his unshakable integrity and unmatched ability to decipher the fine print of complex and ambiguous insurance policies, Troy has built a reputation as the go-to expert in high-stakes residential and commercial property claims. His leadership ensures clients are not just represented, they are protected, empowered, and restored.

In his dual role as Chief Executive Officer and senior adjuster, Troy oversees every aspect of the claim lifecycle, from strategic claim development and scoping to deploying expert teams of engineers, industrial hygienists, and construction professionals to validate loss. His detailed damage assessments and airtight estimates have secured millions in rightful settlements for homeowners and business owners across the U.S.

Troy’s mission is clear: to ensure policyholders receive the full indemnification they’re owed, with no delays, no lowballs, and no excuses. With a no-nonsense approach and a deep respect for the policyholder’s contract rights, Troy leads a full-service firm that’s redefining what public adjusting should be: ethical, aggressive, and always for the people.

Certifications & Licenses:

Troy Willis, PA, CPIA, CPIU
CEO / Chief Executive Officer & Licensed Senior Public Adjuster
(California Public Adjuster Firm License#6011615)
(California Public Adjuster License#4129563)
(Washington Public Adjuster Firm License#1258190)
(Washington Public Adjuster License#1270342)
(Idaho Public Adjuster Firm License#3003265320)
(Idaho Public Adjuster License#19953803)

– Expert Witness (Construction & Insurance Industry)
– Construction Consultant – Retired
– Residential / Commercial Estimator (Large Loss)
– CPIU, Certified Property Insurance Umpire
– CPIA, Certified Property Insurance Appraiser
– Insurance Claims Instructor (Claims Certification Institute)
– Epidemic/Pandemic Response Contractor: License ID:27847517
– California Earthquake Certified
– Pathogen Response & Resource Alliance – CERTIFICATION
– Covid-19 Disinfection Certification
– OSHAcademy#714223 – Occupational Safety & Health Training
– Developing a COVID Prevention Program (CPP)
– Biological Health Hazards in Construction
– Preparing Workplace for Covid-19
– Lead Safety – OSHA
– Fire Protection and Prevention OSHA
– OSHA Fundamental – Managing Risk Free Emergencies
– Health and Safety – Electrical Safety in the workspace
– Health and Safety – Personal Protection Equipment
– HAZMAT Protection – Suits & Beyond
– Safety in Construction: Fall Hazards
– Safety Management in Construction
– Construction Safety and Health
– Designing Safe Scaffolding Structures
– Working Safety at Heights and Confined Spaces
– Confined Space Safety
– Silica Dust Specialist (SDS)
– Respirable Crystalline Silica Safety in Construction
– Water Damage Restoration Technician
– Commercial Mold Inspector (CCMI)
– Specialty Surface Cleaning: Media Blasting
– Ozone & Hydroxyl Remediation
– Author & Insurance Blogger

Business Profile
Willis, Willis & Willis Public Adjusters LLC
Business Type:
  • Public Adjusting/Claim Representation
State:
  • California,
  • Georgia,
  • Iowa,
  • Nevada,
  • Oregon,
  • Washington
Contact Details
Community Activities
  • Forums
  • Ask An Expert
  • Questions(0)
  • Answers(15)
How concerned should I be about smoke damage from neighbors?

Multiple houses completely burned across the street from me, maybe 50-70 feet away. Currently, my rental unit still smells smoky, and I watched the video linked here: https://uphelp.org/events/remediation-and-insurance-claim-best-practices/ It sounds like there can be hazardous materials that are carried by the smoke. Is this a…

Troy Willis answered 5 months ago • Cleaning/repair • California
578 views1 answers
Extreme heat damage

Where can I find a structural engineer or other professional to assess my home for extreme heat damage or secondary damages? I am concerned that our house may have been affected because our attic had 95% humidity for about six weeks after they eaten fire.…

Troy Willis answered 8 months ago • Dwelling Partial loss • California
354 views1 answers
Selling land before insurance claim is settled

My home is insured with CA Fair Plan and was destroyed in the Eaton Fire. I am considering selling the lot “as is” but have not yet settled my claim with my insurance company. If I sell the lot how could this affect my insurance…

Troy Willis answered 9 months ago • Coverage Question • Alabama
623 views1 answers
Investigating Risk Score

Recently, at a Nevada County town hall, Amy Bach advised “finding out your risk score…and making sure it’s based on accurate information”. Although California Fair Plan insureds are informed of their Level 1 and Level 2 wildfire risk scores (as determined solely by Fair Plan),…

Troy Willis answered 12 months ago • Coverage Question • Alabama
849 views2 answers
ALE benefits while looking for replacement home

Our California home was destroyed in a wildfire and we have decided to purchase a replacement house rather than rebuild. Our insurance company is in the process of issuing us checks for our house and additional structures. They have been paying for our hotel room…

Gregg Clifford answered 12 months ago • Coverage Question • California
941 views3 answers
California Code Upgrade Costs

My 80 year old wife and I suffered a house fire in which roughly 50 percent of our home was destroyed. The other 50 percent is still standing but has extensive smoke damage. The home is nearly 100 years old. Do to the age of…

Troy Willis answered 12 months ago • Coverage Question • California
1091 views1 answers
Insurance paying vendors out of ACV

Our insurance company is paying the vendor fees out of our ACV of contents loss. We had a garage fire that ended up pretty much a total loss. The only thing that they are trying to say is not a total loss is our kitchen…

Robert Crown answered 12 months ago • Coverage Question • California
681 views2 answers
Water Damage Claim Denied

Hi there, I was recently denied a claim for water damage. I had found a significant amount of water in my home during a storm. The roof of my home had, within the same year, a roofer on it who proactively sealed an area with…

Troy Willis answered 2 years ago • Claim Denial • California
657 views1 answers
Will the mortgage company keep our check if we are currently in a forbearance?

Hi, We are in forbearance due to hardship. I learned that when we receive payment from the insurer for repairs we have to have them sign the check also. We live in California, they are in Texas. Will they be entitled to keep the money?…

Troy Willis answered 3 years ago • Mortgage Issues • California
1676 views1 answers
Fencing

We lost our home in the Tubbs Fire 5 years ago and are still not done with our claim. The issue is our fencing. I met with a public adjuster right after the fire in a group meeting and he said if the fencing is…

Troy Willis answered 3 years ago • Coverage Question • California
956 views1 answers
Code Upgrade costs

I’m negotiating with my insurance company on code upgrade charges. We lost our home in the 2017 Tubbs Fire in California. My original house was built in the ’70s and remodeled in mid ’80s. Our rebuild permit was issued in 2019. What portion increase (percentage…

Troy Willis answered 3 years ago • Coverage Question • California
2773 views1 answers
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