How Connecticut Public Adjusters Maximize Your Insurance Settlement

Did you know? In Connecticut, nearly 98% of home insurance claims are for property damage. Of these, roughly one in 60 insured homes file a property damage claim caused by water damage or freezing, and one in 425 claims are related to fire, and/or lightning. As you are likely aware, it is the rare summer in Connecticut that does not experience drought conditions, weekly thunder and lightning storms, as well as severe seasonal storms that are often accompanied by high winds, and subsequent flooding. These issues contribute to Connecticut property damage claims that average over $16,000 and can quickly rise to over $85,000 (due to fire and lightning damage/asset losses). As a homeowner, however, being tasked with preparing and submitting an insurance claim can be daunting. That is why when your home and/or property sustains significant damage, your first call should be to United Public Adjusters & Appraisers. As your Connecticut public adjuster, our seasoned team of professionals will oversee every aspect of your claim process. We will not rest until you receive a just settlement offer in as short a timeline as possible. 

United Public Adjusters & Appraisers will play a pivotal role to negotiate a better outcome for you with your insurance carrier by acting as your advocate, fighting for your rights, not the best interests of your insurer. Here’s why we are the best choice to ensure an optimal claim outcome:

• We Understand Policy Language: As your Connecticut public adjuster, your United team includes experts in insurance, construction, and other vital disciplines that enable us to decipher even the most complex insurance policies to identify all applicable coverages and ensure all potential benefits are leveraged to your maximum advantage.
• Thorough Damage Assessment and Documentation: Your United Public Adjusters & Appraisers’ team will conduct detailed property inspections to identify and document both visible and hidden damage, compiling comprehensive inventories of damaged property and calculating accurate repair costs and other losses. This meticulous approach strengthens your negotiation position.
• We Present Data-Driven Claims: Working as your Connecticut public adjuster, your United team will present claims that are supported by strong evidence, such as detailed damage reports, supporting documentation including photos, videos, and estimates. This data-driven strategy strengthens your claim and can pivot the negotiation in your favor.
• Direct Negotiation with Insurance Companies: Our team will negotiate directly with your insurance carrier on your behalf. We will employ our insurance industry expertise to counter your insurance company’s initial assessments and resolve potential disputes.
• Broad Industry Knowledge and Expertise: United Public Adjusters & Appraisers’ in-depth understanding of the insurance industry, including policy changes, industry trends, and insurance company practices, allows our experts to effectively counter any resistance from your carrier.
• Relationship Building: Through our knowledge of the insurance industry, we  establish rapport with insurance company representatives that can lead to smoother and more productive negotiations.
• Navigating the Chain of Command: If required, as your Connecticut public adjuster, United Public Adjusters & Appraisers will escalate the claim to higher levels within the insurance company hierarchy to ensure a proper resolution.
• Expediting Claim Resolution: Our systematic approach and industry breadth of knowledge helps to streamline your claims process and avoid unnecessary delays.
• Maximizing Settlements: United Public Adjusters & Appraisers are skilled at maximizing claim values, often securing significantly higher settlements than policyholders might achieve on their own. Statistics from the Insurance Institute state that public adjuster negotiated claims realize 300-700% higher settlement offers than those claims that have been prepared and submitted by policyholders themselves.

By employing these strategies, United Public Adjusters & Appraisers empowers our clients by leveling the playing field and advocating for just and favorable settlements. Even if you have received a “low ball” settlement offer from your carrier, it may not be too late. Give United Public Adjusters & Appraisers a call at 800-718-5677. Together we will work towards achieving a satisfactory claim conclusion in line with your policy limits. Contact us now to learn more!