Our Public Adjusting FAQs

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.  

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.

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.

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.

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.

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.

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.

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.