What We Handle
Property Damage Claims We Fight For
From the moment disaster strikes to the final settlement check, Apex Adjusting LLC manages every aspect of your insurance claim — so you can focus on rebuilding.
Your Claim. Our Fight.
When your home or business suffers damage, your insurance company sends their own adjuster — someone whose job is to protect the insurer's bottom line. As your licensed public adjuster, Bill Coitrone works exclusively for you, ensuring every dollar of damage is documented and every covered loss is included in your claim.
We handle all types of property damage claims for homeowners and businesses throughout Connecticut. No matter how complex the loss, we have the expertise to maximize your settlement.
Fire Damage
Structural, Smoke & Soot
Fire Damage
Structural, Smoke & Soot
Fire damage claims are among the most complex in the insurance industry. Beyond the visible destruction, smoke and soot penetrate walls, ductwork, and personal property — damage that insurance adjusters routinely undervalue or overlook entirely.
- Structural damage assessment and documentation
- Smoke and soot contamination throughout the property
- Contents inventory and replacement value claims
- Additional living expenses (ALE) while displaced
- Debris removal and demolition costs
- Code upgrade requirements in rebuilding
Water Damage
Flooding, Pipes & Leaks
Water Damage
Flooding, Pipes & Leaks
Water damage can be deceptive — what appears minor on the surface often conceals extensive structural damage, mold growth, and compromised building materials. We ensure the full scope of water intrusion is captured in your claim.
- Burst pipe and plumbing failure claims
- Roof leak and ice dam damage
- Appliance overflow and discharge
- Flood and storm surge losses
- Hidden moisture and mold documentation
- Flooring, drywall, and structural drying costs
Wind Damage
Storms, Trees & Roof Destruction
Wind Damage
Storms, Trees & Roof Destruction
Wind events can strip roofing, topple trees, and compromise the structural integrity of your entire property. Insurance companies frequently dispute the extent of wind damage — we document everything to build an airtight claim.
- Roof damage from high winds and uplift
- Fallen tree and debris impact damage
- Siding, windows, and exterior damage
- Structural compromise from wind loading
- Fence, outbuilding, and detached structure losses
- Emergency tarping and board-up costs
Storm Damage
Hail, Lightning & Severe Weather
Storm Damage
Hail, Lightning & Severe Weather
Connecticut weather can be brutal — hailstorms, lightning strikes, ice dams, and nor'easters cause millions in property damage every year. Multi-peril storm claims are especially complex, and we have the expertise to handle them.
- Hail damage to roofing, siding, and vehicles
- Lightning strike and electrical surge damage
- Ice dam formation and interior water intrusion
- Nor'easter and blizzard-related losses
- Power surge damage to appliances and systems
- Emergency repairs and temporary housing
Assorted Damage
Vandalism, Impact & Collapse
Assorted Damage
Vandalism, Impact & Collapse
Not every loss fits neatly into a single category. From vehicle impacts to structural collapse to vandalism, we handle the full range of covered property losses — whatever the cause, we advocate for your full recovery.
- Vehicle impact and collision damage
- Vandalism and malicious mischief claims
- Structural collapse and foundation issues
- Falling object damage
- Explosion and accidental discharge
- Business interruption and lost income claims
How It Works
Our Claims Process
01
Free Claim Review
We start with a no-obligation review of your damage and your policy to determine the best path forward.
02
Damage Documentation
We conduct a thorough inspection, documenting every loss with photos, measurements, and expert estimates.
03
Claim Preparation
We prepare a comprehensive claim package that captures the full scope of your loss — nothing left on the table.
04
Negotiation & Settlement
We negotiate directly with your insurance company, fighting for every dollar you're entitled to under your policy.
Not Sure If Your Damage Qualifies?
Call us for a free, no-obligation review. We'll assess your situation and tell you exactly what we can do for you — at no cost.