Public Adjuster — North Haven, CT
Documentation. Negotiation. Recovery. That's what we do.
David is a licensed public adjuster serving homeowners and commercial policyholders across the North Haven area and throughout Connecticut. David handles every step of the claim: damage inspection, scope of loss documentation, carrier communication, and settlement negotiation. Public adjusters typically work on contingency — confirm fee terms up front.
Tell David about your claim.
Share what happened and review your policy and damage together.
On-site assessment, photos, measurements, and scope of loss — the record carriers take seriously.
Your claim is filed, tracked, and negotiated on your behalf with a clear paper trail.
Public adjusters typically work on contingency — a percentage of what's collected, disclosed in writing up front.
A licensed public adjuster is the only claims professional legally allowed to represent you — the policyholder. Field adjusters and independent adjusters work for the insurance company.
Claims move faster and pay fairer when the paperwork, photos, and scope of loss are prepared the way carriers expect. That's the whole job.
Contingency-fee billing means no out-of-pocket cost. The percentage is disclosed in writing upfront and regulated by state law.
Even a claim you already settled can be reopened. Supplements on missed line items are common — and often substantial.
Illustrative examples of how common claim types unfold in Connecticut — general education, not results of David Biller. Actual outcomes depend on policy language, damage, and timing.
Months after a minor plumbing repair, a musty smell or bowing cabinetry can reveal active growth in a wall cavity. Carriers often cite the mold exclusion at first. Whether coverage applies usually turns on establishing a sudden-and-accidental origin and the resulting covered water loss — which can unlock remediation, containment, replacement, and clearance testing.
Initial BI payouts are often based on conservative projections. A forensic profit-and-loss reconstruction — with seasonality, trend, and extra-expense categories documented — is how businesses substantiate the real loss and the full period of indemnity.
Be the first to share your experience with David.
A licensed public adjuster works for the policyholder — not the insurance company. They document damage, interpret the policy, and negotiate with the carrier on the policyholder's behalf, handling the paperwork, inspections, and calls throughout the claim.
Public adjusters typically work on contingency — a percentage of the settlement they recover — with fee terms regulated by state law and disclosed in a written contract before work begins. Ask any adjuster to walk you through their fee agreement up front.
Generally, the earlier the better: involving one before or right after filing means the damage gets documented properly from the start. Even after a denial, delay, or low settlement, a public adjuster may be able to reopen the claim and pursue a supplement.
Usually the opposite. Carriers tend to respond faster when a licensed professional is managing the paper trail, deadlines, and inspections, because the documentation arrives in the form carriers expect.
A field adjuster works for the insurance company — they come out to assess damage on the carrier's behalf. A public adjuster works only for the policyholder. Same job title — opposite sides of the table.
General information about how public adjusters work in Connecticut — not statements written by David.
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