Connecticut Property Owners Face Insurance Claim Denials
Your Connecticut property suffered hurricane damage, winter storm damage, fire, or water damage. You filed a claim expecting coverage. Your insurer denied the claim or offered 35% of actual losses.
Insurance companies target Connecticut claims aggressively. They undervalue repairs in Connecticut's expensive markets, especially Fairfield County. They dispute coastal storm causation. They claim damage was pre-existing in older New England homes.
The Connecticut Insurance Department receives thousands of complaints annually about denied and underpaid claims. Property owners without professional representation lose millions in unpaid benefits.
Why Connecticut Claims Get Denied
Connecticut experiences severe weather including hurricanes, nor'easters, winter storms, and coastal flooding. Older housing stock throughout the state contains aging systems prone to failures.
Insurers exploit these conditions by disputing whether damage resulted from wind or flood. They claim pre-existing conditions caused losses rather than sudden weather events. They use national pricing databases that undervalue Connecticut's high construction costs.
Fairfield County properties face additional scrutiny due to high property values. Insurers minimize settlements knowing repair costs in Greenwich, Westport, and Darien exceed most other markets.