Steve McDonald


Steve’s background includes over 25 years of personal and commercial property, large Loss, construction defect, business Interruption, special investigations (SIU), farm and agriculture, general liability, personal and business auto, premises and product liability adjusting experience. Steve has also assisted clients with mediation and arbitration. He is a HAAG certified residential and commercial roofing inspector and NAIIA certified Appraiser & Umpire.

5/14 to Present: Owner and General Adjuster at Tri-State Adjusting Service.

08/13 – 5/14: General Adjuster – Norcross. Washington Oregon Claim Serviced merged with McLarens Young International in September 2011 and became Norcross in August 2013 as part of the expansion into markets outside of the Pacific Northwest. Experience in handling commercial and personal property claims, construction defect and large complex claims. Catastrophe loss adjustment experience.

6/02 – 8/13: General Adjuster – Washington-Oregon Claim Service.Eleven years of experience investigating and adjusting commercial and personal lines property losses in Washington and Idaho. Investigate experience of 3rd party commercial and personal liability claims. Experience includes investigating construction defect claims in Washington & Idaho.

05/93 – 06/02: General Adjuster – Unitrin Property & Casualty Group – Three years of experience as a Large Loss Field Adjuster assigned to adjusting large complex personal and commercial property claims in Washington, Idaho and Montana. Two years experience as a Special Investigator investigating fraud cases and four years experience as a Multi-line adjuster investigating 1st party commercial and personal lines property claims and 3rd party personal and commercial liability claims.

12/93 – 05/93: Claim Adjuster – Reliance Insurance Company - Started claims career adjusting low dollar value commercial and personal property claims.

03/90 – 12/93: Independent Agent – Fidelity Associates – Licensed Personal Lines Agent and Customer Service Representative for large family owned Independent Insurance Agent. Responsibilities include maintaining a book of business and selling personal lines insurance products to consumers.

06/89 – 03/90: Commercial CSR – Zimmerman Gillium Agency – Commercial Lines Customer Service Representative that assisted with underwriting and placement of commercial lines business.

02/84 – 06/89: Senior Personal Lines Underwriter – Fireman’s Fund Ins. Co. – Personal Lines Underwriter responsible for underwriting and managing a book of personal lines business in excess of 100 million. Duties included underwriting and managing professional entertainers and working with reinsurers.


Eastern Washington University, 1994BA, Business Management & HR

Spokane Falls Community College, 1984 AAA, Insurance Specialist


National Association of Independent Insurance Adjusters (NAIIA)

HAAG Certified Residential & Commercial Roofing Inspector

NAIIA Certified Appraiser & Umpire


Washington Independent Adjuster’s license – 196248

Idaho Independent Adjuster’s license – 103474

HAAG Inspector number - 20180112