Connecticut Public Adjuster

Public Adjuster Services Across Connecticut

Northeast Adjustment, INC. assists Connecticut homeowners, landlords, businesses, property managers, condominium owners, and commercial property owners with property insurance claims. We review policy coverage, document property damage, prepare claim materials, and communicate with the insurance company on the policyholder's behalf.

• Homeowners insurance claims
• Commercial property claims
• Landlord and rental property claims
• Condominium claims
• Two-to-four-family property claims
• Apartment and multifamily claims
• Business interruption and extra-expense claims

What Makes Connecticut Property Claims Different

Connecticut contains shoreline communities, older urban neighborhoods, suburban single-family homes, multifamily properties, river valleys, wooded rural areas, and commercial centers. The source and scope of property damage can vary greatly across the state.

Connecticut Property Types We Assist

• Single-family homes
• Two-family homes
• Three-family homes
• Four-family homes
• Apartment buildings
• Condominiums
• Rental properties
• Historic homes
• Mixed-use buildings
• Retail properties
• Office buildings
• Restaurants
• Warehouses
• Industrial properties
• Coastal properties

Connecticut property types require different forms of claim documentation. A residential loss may involve the structure, contents, temporary housing, and adjoining units, while a commercial claim may also involve equipment, inventory, business income, and extra expenses.

Connecticut Water Damage Can Have Different Causes

The source of water can affect which policy provisions apply. Water from a burst pipe, damaged roof, coastal surge, river flooding, surface runoff, groundwater, or sewer backup may be handled differently.

Whether a specific loss is covered depends on the cause of loss and the specific policy.

Claims Involving Older and Multifamily Properties

Connecticut's urban areas contain older homes, two-to-four-unit buildings, apartment properties, and mixed-use structures. Water, smoke, fire, and mold can spread through shared plumbing, walls, ceilings, roofs, stairways, and mechanical systems.

• Water traveling between units
• Shared plumbing and drain lines
• Smoke migration through common spaces
• Fire affecting multiple apartments
• Roof damage affecting more than one unit
• Landlord and tenant property distinctions
• Building policy and unit-policy questions
• Damage to common areas and mechanical systems

Heavy Rain and Connecticut Sewer Systems

Some Connecticut cities still have combined sewer infrastructure that carries both wastewater and stormwater. Heavy rainfall can place pressure on drainage and sewer systems and contribute to street flooding, overflow events, and basement concerns.

• Basement water and contaminated contents
• Damage to flooring, walls, and mechanical equipment
• Sewer or drain backup
• Surface water entering lower levels
• Cleanup and remediation expenses
• Disputes involving flood versus sewer-backup causes

Sewer-backup coverage should not be assumed. The policy and any applicable water-backup endorsement must be reviewed.

Connecticut's Crumbling-Foundation Problem

Some homes in central and eastern Connecticut were built with concrete containing pyrrhotite. Exposure to oxygen and water can cause expansion, cracking, and gradual deterioration of the concrete.

Connecticut Commercial Property Claims

A commercial property loss may affect the building, equipment, inventory, tenants, employees, and normal operations. Depending on the policy and circumstances, documentation may also involve business income, extra expenses, and temporary operating costs.

Not every category is covered under every commercial policy; the applicable forms and endorsements control.