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We ROAR Until You Get The Full Value Of Your Insurance Claim

CT’s Noble Public Adjuster. Guiding You To Secure Maximum Settlements for Property Damage Claims

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The Alpha Lion: Scott Tearman

ABOUT OUR EXPERT CT PUBLIC ADJUSTER

Scott brings a caliber of expertise that is truly unrivaled. For over 20 years, he has stood on the front lines of the Connecticut roofing industry, running crews and managing thousands of projects from start to finish. By seeing firsthand what it takes to restore a home the right way, he has learned how to speak the language of insurance companies to ensure your claim is never undervalued.

He possesses the keen eye required to ensure no damage goes unnoticed, utilizing a deep-rooted history that gives him a vantage point most adjusters simply cannot claim. Scott knows the contractor side, the insurance side, and the homeowner side—understanding every angle of the industry and exactly what a quality job costs. When you work with Scott, you aren’t just hiring an adjuster; you are gaining a leader who knows "both sides of the game" and won’t stop until you receive the full value you are owed.

Property Damage Claims Are Our Territory

Claim Expertise for Every Type of Damage

Standard adjusters wait for the insurance company to dictate the scope of your damage. Our team is on the prowl. We track the hidden structural damage they hope you miss, while targeting the maximum settlement your restoration demands. With over 20 years of experience, Scott knows the exact cost-cutting measures insurance companies use to undervalue your claim. We don't just fill out paperwork; we hunt for every dollar you are owed until the job is done the right way.

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Tree Damage

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Structural Damage

Ice Damage

Mold Damage

Fire Damage

Water Leak Damage

Wind Damage

Tree Damage

Our Plan Of Attack To Secure Your Settlement

How It Works Working With Lion’s Den Public Adjusting

We are here to lead you to success by executing a purposeful game plan. This strategic path removes uncertainty and shows you exactly what to expect throughout your property damage claim—proving how Lion’s Den Public Adjusters will guide you to victory.

1.

Assessment: Tracking the Damage

Your First Move: Every successful hunt begins by tracking the target. Before you engage with the insurance company, we perform a deep-dive assessment to uncover the full scope of your loss.

2.

Negotiation: Making The Deal

Taking The High Ground: We find our roar at the negotiation table, targeting the specific maneuvers insurance companies use to undervalue your loss and demanding the settlement you deserve.

3.

Settlement: Road To Victory

Securing Your Payment: We do not stop until the payment is finalized. Providing the total financial foundation required to restore your property the right way and ensuring no money is left on the table.

4.

Project: Managing Your Contractors

The Final Stand: Leveraging decades of experience running home and property restoration projects, we oversee the process to ensure all work meets the high industry standards that we uphold for our clients.

Our Lion’s Den Pride Of Partners

Our Alliance Of Industry Leaders That Are At The Ready For You

A lion is only as powerful as the Pride he leads. At Lion’s Den Public Adjusting, we have assembled a high-caliber network of industry experts who are on the prowl and ready to strike at a moment’s notice. This alliance exists for one reason: to ensure the insurance company never dictates the terms of your recovery. We track the hidden truths and target the maximum settlement, bringing a unified roar to the negotiation table so that your territory is fully protected.

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Affordable Construction Partners

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Legal Advisement Professionals

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Trusted Roofing & Siding Contractors

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General Contractors & Restoration Experts

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Structural & Forensic Engineers

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Tree Removal & Emergency Tarping

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Temporary Housing & Relocation Experts

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Permitting Process Professionals

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Wholesale Material & Supply Chain Partners

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Why Lion’s Den Public Adjuster

The Benefits To Why To Choose Scott Tearman

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Decades of home and property renovation expertise.

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We negotiate harder so you recover more for your property damage.

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From submitting your claim to contractors, we manage it all.

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Insurance companies & contractors have experts. Now so do you.

Why Lion’s Den Public Adjuster

The Benefits To Why To Choose Scott Tearman

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Black-and-white icon of a small house with a gabled roof and windows

Decades of home and property renovation expertise.

Handshake with dollar and percent symbols above, suggesting a financial agreement or discount.

We negotiate harder so you recover more for your property damage.

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From submitting your claim to contractors, we manage it all.

Black lion silhouette standing on a white background

Insurance companies & contractors have experts. Now so do you

How A Public Adjuster Can Help You

Our Frequently Asked Questions (FAQ)

  • What is a public adjuster?

    A public adjuster is a state-licensed professional who represents policyholders in negotiating and settling homeowners or commercial property insurance claims. Unlike the "company adjuster" sent by your insurer, we have no loyalty to the insurance company. In Connecticut, we are regulated by the CT Insurance Department (CID) to ensure fair practices.  

  • When should I call a public adjuster?

    The best time is immediately after the loss occurs—whether it’s fire, pipe bursts, or storm damage. Calling us early allows us to document the damage correctly from day one. However, you can also bring us in if your claim has been denied or if you feel the insurance company’s offer is too low.

  • Is using a public adjuster a good idea?

    Absolutely. Hiring a public adjuster in CT is often the difference between a "good enough" check and the full amount you’re actually owed. While the insurance company’s adjuster works for their bottom line, we work exclusively for you. We advocate for your interests to ensure no damage—hidden or obvious—is left off the table.

  • Will hiring a public adjuster slow down my claim or speed it up?

    Usually, it speeds things up. While a complex CT insurance claim takes time to document, we handle the endless paperwork, phone tag, and "missing" documents that usually cause delays. We know exactly what the carrier needs to see to approve a payment, which cuts through the administrative stalling.

  • Do public adjusters handle the actual repairs, or just the paperwork?

    We handle the financial and administrative side—the "heavy lifting" of the claim. Per CT state regulations, public adjusters are generally prohibited from having a financial interest in the construction company doing the repairs. This ensures our estimate of your damage is unbiased and focused solely on getting you the maximum funds to hire the best contractor of your choice.

  • What happens if the insurance company still refuses to pay after a public adjuster intervenes?

    If we hit a stalemate, we don't just walk away. We can invoke the appraisal clause in your policy—a formal dispute resolution process in Connecticut where independent appraisers and an umpire determine the loss value. In extreme cases, we can also coordinate with legal counsel, but our goal is always to settle fairly without a courtroom.

  • Do I have to pay the public adjuster anything up front?

    No. If a public adjuster asks for money upfront in CT, keep walking. Our fees are paid only after the insurance company issues your settlement check. It’s a "no-risk" partnership for the homeowner.

  • Can I still talk to my insurance company, or do I go through you for everything now?

    Once you hire us, we prefer to handle all communications. This isn't because we’re controlling—it’s to protect you. Insurance companies often look for "gotcha" statements that can be used to lower your payout. By letting us be your sole point of contact, you ensure that every word spoken to the insurer is professional, strategic, and aimed at winning your claim.

Contact Lion's Den Public Adjusting Today

Standard adjusters are waiting to help you negotiate with your insurance company. Contact us today.

Contact Us

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