Meet Your Adjuster
Bill Coitrone
Licensed Public Adjuster — Connecticut License #16722854
CT Licensed Public Adjuster
License #16722854
Your Advocate From Day One
When disaster strikes your home or business, you're suddenly thrust into a complex, high-stakes process that insurance companies navigate every single day — and you don't. That imbalance costs policyholders thousands of dollars in underpaid and denied claims every year.
I founded Apex Adjusting LLC to change that. As a licensed Connecticut public adjuster, I work exclusively for property owners — never the insurance company. I bring the same expertise and policy knowledge that insurers use against you, and I put it entirely in your corner.
I personally handle every claim from start to finish. That means I'm the one inspecting your property, documenting your losses, interpreting your policy, and sitting across the table from the insurance company's adjuster. You'll never be handed off to a junior staff member or left wondering where your claim stands.
Credentials & Licensing
Licensed, Credentialed & Accountable
CT Public Adjuster License
License #16722854
Issued by the Connecticut Insurance Department. Required to legally represent policyholders in insurance claims negotiations in the state of Connecticut.
Serving All of Connecticut
Statewide Coverage
From Fairfield County to Hartford to New London — we handle property damage claims for homeowners and businesses throughout the entire state.
Contingency Fee Only
No Recovery, No Fee
We are paid a percentage of your settlement — nothing upfront, nothing unless we win. Our interests are perfectly aligned with yours.
Why It Matters
What Is a Public Adjuster — and Why Do You Need One?
When you file a claim, your insurance company assigns their own adjuster to assess the damage. That adjuster works for the insurer. Their job — whether stated or not — is to minimize the payout. A public adjuster is the only type of licensed claims professional who works exclusively for you, the policyholder.
We know the policy language
Insurance policies are dense, technical documents full of exclusions and conditions. We know exactly what's covered and how to document it.
We document everything
Missed damage means missed money. We conduct thorough inspections to capture every loss — including hidden damage insurers routinely overlook.
We negotiate aggressively
Insurance companies expect pushback from professionals. Having a licensed public adjuster on your side changes the dynamic of every negotiation.
Studies show higher payouts
Policyholders represented by public adjusters consistently receive significantly higher settlements than those who navigate claims alone.
Ready to Put an Expert in Your Corner?
Whether you've just suffered damage or you're unhappy with a settlement offer, it's not too late to get help. Contact Apex Adjusting LLC today for a free, no-obligation review of your claim.