Vermont Residents Have Recovered Millions With Our Help!

Unlock Your Claim's Potential in Vermont! Serving Vermont Residents with Proven Results, Recovering Millions. Discover the Power of Our Expert Public Adjusters!

 Unlock Your Claim's Potential in Georgia - Get 663% More

lensFind a Public Adjuster Near Me

We have several offices in Vermont, but we can help you anywhere in the state. We can have someone on-site anywhere in the state within 48 hours.

stars

Tiffany T.

Great company--does what they promise to do and got me so much more money from my insurance company than I ever imagined when the insurance company said my claim was only worth $41,000. I got over 200,000 due to Adam and Karen and the team there saying stay with us and we will get you paid. Use this company!!!!!!!!!

stars

Capital Adjusting Services has a team of licensed public adjusters that can help with maximizing property insurance claims. Whether you want to make a claim for fire damage

stars

Don’t fight insurance on your own. Let Capital Adjusting Services handle it. Adam was with us all the way and got us way more than we could have imagined

stars

Lorem Joy

Don’t fight insurance on your own. Let Capital Adjusting Services handle it. Adam was with us all the way and got us way more than we could have imagined

Over 5,000+ Success Stories

Experience the difference firsthand. Contact us today for unrivaled claim expertise and exceptional results.

Important InformationImportant Information About Vermont Insurance Laws & Regulations

  • Vermont law requires insurance companies to act in good faith when handling claims, ensuring prompt investigation and fair evaluation of damages. Policyholders in Vermont have the option to seek assistance from both public adjusters and private adjusters to navigate the claims process effectively.
  • Public adjusters and private adjusters are licensed professionals who provide valuable expertise and assistance to policyholders in dealing with insurance claims. They work on behalf of policyholders to ensure that the insurance company properly assesses and settles the claim. Public adjusters primarily represent policyholders, while private adjusters can represent either the insurance company or the policyholder, depending on the situation.
  • Homeowners insurance policies in Vermont typically cover damage caused by fire, water, hurricanes, vandalism, and other specified perils, subject to policy terms and coverage limits. Public adjusters and private adjusters can help policyholders document the damage, evaluate the claim, and negotiate a fair settlement with the insurance company, ensuring that policyholders receive the coverage they are entitled to.
  • In the event of a business interruption due to damage from a covered event such as a fire, storm, or flood, business interruption insurance can help cover lost income and expenses. Both public adjusters and private adjusters can assist business owners in properly documenting and valuing their losses, maximizing their business interruption claim.
  • Given Vermont’s vulnerability to severe weather events like hurricanes and tornadoes, specific deductibles or coverage limits may apply to these events in insurance policies. Public adjusters and private adjusters can provide guidance on policy details and help policyholders understand the complexities of their coverage to ensure appropriate compensation for severe weather damage.
  • While homeowners insurance policies in Vermont generally do not include coverage for floods, residents in flood-prone areas should consider purchasing separate flood insurance policies. Public adjusters and private adjusters can offer advice on assessing flood risk and obtaining suitable coverage to protect against potential flood-related damages.
  • The Vermont Department of Insurance oversees the insurance industry, safeguarding consumer rights and regulating insurance companies, agents, public adjusters, and private adjusters. The department ensures compliance with insurance laws and regulations, providing resources and assistance to policyholders. In case of any issues or disputes with insurance claims, policyholders can seek guidance from the department or consult with public adjusters or private adjusters for expert assistance.

Benefits of Hiring a public adjuster in Vermont

Get 663% More From Insurance Companies With Capital Adjusting Services

Expertise in Vermont insurance laws

Don't leave your insurance claim to chance. A public adjuster's expertise in Vermont insurance laws can ensure you receive the maximum compensation you deserve.

Experience with Vermont weather events

Vermont weather events can wreak havoc on your property. A public adjuster with experience handling such claims can save you time and hassle by handling the process on your behalf.

Thorough understanding of the claims process

A public adjuster's thorough understanding of the claims process can help you navigate the complex paperwork and requirements, leaving you free to focus on getting your life back to normal.

Objective evaluation of damages

Don't rely on an insurance company's assessment of damages. A public adjuster will provide an objective evaluation of damages, ensuring that you receive a fair and accurate settlement.

Save Time

Time is money, and a public adjuster can save you both. With their expertise and experience, they can handle your claim quickly and efficiently, ensuring that you receive the compensation you need as soon as possible.

 Benefits of Hiring a public adjuster in Georgia (gentleman model photo)

About Public Adjusting In Vermont

How Does It Work?

Initial Consultation:

The first step in the public adjusting process is an initial consultation with a public adjuster. During this consultation, the public adjuster will review the details of your claim, assess the damage to your property, and discuss your insurance policy and coverage limits.

Damage Assessment:

After the initial consultation, the public adjuster will conduct a thorough inspection of the damaged property to assess the extent of the damage and gather evidence to support your claim. This may involve taking photographs, videos, and measurements of the damage, as well as reviewing any relevant documents, such as repair estimates.

Negotiation with the Insurance Company & Private Adjusters:

Once the public adjuster has gathered all the necessary information and evidence, they will prepare a detailed claim presentation to submit to your insurance company. The public adjuster will negotiate with the insurance company on your behalf to ensure that you receive a fair settlement that covers all your damages and losses.

Settlement:

If a settlement is reached with the insurance company, the public adjuster will review the settlement agreement to ensure that it accurately reflects the terms and conditions of the settlement. If you are satisfied with the settlement, the public adjuster will assist you in obtaining the settlement payment from your insurance company.

Statistics for Vermont Insurance Claims

Vermont is no stranger to natural disasters and other types of damage that can lead to insurance claims. Here are some statistics and numbers related to insurance claims in Vermont →

In 2018, Vermont ranked second in the nation for the average cost per lightning-related insurance claim, with each claim averaging over $10,500. Lightning strikes can cause power surges and fires, leading to significant property damage.

Water damage is one of the most common causes of insurance claims in Vermont, particularly due to frozen and burst pipes during winter months. Nationwide, water damage and freezing account for over 20% of all homeowners insurance losses—a trend that mirrors the experience of many Vermont residents.

While Vermont is not prone to hurricanes, severe thunderstorms and nor’easters can still lead to wind and water damage. For example, in July 2023, Vermont experienced catastrophic flooding that led to a federal disaster declaration and millions in insured property losses, especially in communities like Montpelier.

Vandalism and theft still impact property owners in Vermont—particularly seasonal homes and vacation properties that may be left unoccupied. While Vermont has a lower crime rate than many states, these types of claims remain relevant, especially for second-home owners.

Business interruption claims in Vermont surged during the COVID-19 pandemic, especially among restaurants, small retailers, and service providers. Many policyholders faced unexpected claim denials due to exclusions for pandemic-related events, highlighting the importance of understanding coverage limits.

Flood damage can be devastating for Vermont homeowners and businesses. Although the state has fewer active flood insurance policies than coastal regions, flood risk is rising. As of 2022, Vermont had over 2,500 active flood insurance policies according to FEMA—yet many flood-prone properties remain uninsured.

These statistics and numbers highlight the importance of having adequate insurance coverage in place for various types of damage in Vermont. If you're facing a claim for fire damage, water damage, hurricane damage, vandalism, business interruption, storm damage, flood damage, or any other type of damage, a public adjuster can help you navigate the claims process and ensure that you receive a fair settlement for your damages.

Don't let insurance companies take advantage of you. We have the knowledge you need to get the compensation you deserve.

FILE YOUR CLAIM

Low-Balled by Your Insurance Company?
We Can Help.

Water Damage Claims

Our adjusters manage water damage claims in Vermont, covering repairs, replacements, and income loss caused by floods, storms, or leaks.

Fire Damage Claims

Our adjusters handle fire damage claims in Vermont, ensuring you receive compensation for property repairs, replacements, and lost income.

Storm Damage Claims

Vermont's severe storms can damage properties. We specialize in storm damage claims, ensuring fair compensation for your losses.

Hurricane Damage Claims

We assist with hurricane damage claims in Vermont, securing settlements for property repairs, rebuilding, and income loss due to hurricanes.

Vandalism Damage Claims

Our adjusters handle vandalism damage claims in Vermont, ensuring you receive appropriate compensation for your property damages.

 Business Interruption Claims

Business Interruption Claims

For business interruptions in Vermont, we handle claims to compensate for lost income and related expenses.

Mold Damage Claims

Mold damage in Vermont is a serious issue. We negotiate settlements to cover remediation, property damage, and lost income.

 Commercial Claims

Commercial Claims

Navigating commercial property damage claims in Vermont is complex. Our experts maximize compensation for commercial losses.

Flood Damage Claims

We assist with flood damage claims in Vermont, securing fair settlements for property damages and losses caused by floods.

 Other Claims

Other Claims

For any other property damage in Vermont, our adjusters help file claims and negotiate for maximum payouts.

File Your Claim Today With Our Licensed Public Adjuster Vermont

File Your Claim Today With Our Licensed Public Adjuster Vermont

Maximize Your Claims, Reclaim What's Yours!

Capital Adjusting Services: Your Path to Fair Compensation!

Text us! Want to Talk? Text us!

Enter your information, and we will text you shortly.
First Name(Required)
Last Name(Required)