Connecticut Public Adjusters
From nor'easters and ice dams to coastal flooding along the Sound, Naiche
represents Connecticut homeowners and business owners against their insurance company — statewide, at no upfront cost.
Headquartered in Vernon, CT · Austin Bernaiche, CT Public Adjuster Lic. #20675006
Naiche Inc, CT Entity Lic. #3002800436
Licensed Public Adjusters Serving Connecticut Policyholders
SERVING EVERY CLAIM TYPE
Common Connecticut Claims We Handle
Every claim type below is handled the same way regardless of where you're located in Connecticut — explore the specifics of each.
Sudden loss, gradual leak, and flood-related disputes.
Wind & Weather Damage
Nor'easter, storm, and roof damage claims.
Statewide Coverage ACROSS CONNECTICUT
Connecticut Cities We Serve
Naiche is headquartered in Vernon, CT, and represents policyholders throughout the state.
Bridgeport
New Haven
Stamford
Hartford
Waterbury
Vernon
Norwalk
Danbury
New London
Middletown
Stonington
Greenwich
Glastonbury
Don't see your town listed? We serve policyholders statewide — contact us to confirm coverage in your area.
Works for the insurer
Company / Staff Adjuster
A salaried employee of your insurance company. Assigned automatically when you file — no fee to you, but no obligation to maximize your payout either.
These terms get confused often — and the difference determines whose side someone is actually on.
How we operate: We don't door-knock, cold-call, or pressure anyone to sign on the spot. You reach out to us — never the other way around.
Know who You're Hiring
insurance adjuster vs public adjuster in connecticut
Also works for the insurer
Independent Adjuster
Despite the name, still hired and paid by the insurance company — typically brought in during high claim volume after a regional disaster.
Works for you
Public Adjuster (Naiche)
Licensed and hired directly by you, the policyholder. Paid only as a percentage of your settlement, capped at 10% by Connecticut law.
our process for connecticut claims
How We Work
The same rigorous process, applied to your specific claim type and location.
1
Free Consultation & Policy Review
We review your Connecticut policy and explain your options at no cost.
2
Inspection & Documentation
We document the full scope of damage — including what's easy to miss.
3
Claim Preparation & Submission
We build a detailed, defensible claim package on your behalf.
4
Negotiation & Settlement
We negotiate directly with your insurer on your behalf to resolve your claim.
What to expect: we get in touch during business hours — no chasing us for updates.
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Every Offer Comes to You
Connecticut regulation (§ 38a-788-5) requires that any written settlement offer we receive be transmitted directly to you — you're never kept out of the loop.
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Connecticut Insurance Department Oversight
Complaints can be filed directly with the CID Consumer Affairs Division: (860) 297-3900 / 1-800-203-3447 or insurance@ct.gov.
Connecticut regulation (§ 38a-788-3(f)) prohibits public adjusters from having any interest in a construction, salvage, or appraisal firm. You choose your own contractor, always.
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No Financial Ties to Contractors — By Law
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Fee Capped by Law at 10%
Connecticut regulation (Conn. Agencies Regs. § 38a-788-8) caps public adjuster fees at 10% of the actual or final settlement — no exceptions, no rebates. You pay nothing until your insurer pays.
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Licensed in Connecticut
Naiche is licensed to operate as a public adjuster in Connecticut (CT Entity License #3002800436). Verify any adjuster's license instantly via the CT eLicense lookup portal.
Connecticut Public Adjuster Licensing & Fees
Public adjusting is a regulated profession in Connecticut. Here's exactly what state law requires — and what protects you.
Example: how a 10% fee actually works
Insurer's final settlement
Naiche's fee (10%, capped by CT law)
You receive
Illustration only. Outcomes depend on your policy, your loss and the facts of your claim. The fee applies only to the settlement amount — never to money you haven't received, and never before your insurer pays. Deductibles and depreciation holdbacks are separate from this fee and depend on your specific policy.
$27,000
$30,000
− $3,000
We don't promise a specific settlement figure or a guaranteed payout — every claim is different. We'll walk you through your policy and how we'd approach the claim before you sign anything.
connecticut claims FAQs
Frequently Asked Questions About Connecticut Claims
Connecticut law caps public adjuster fees at 10% of the actual or final settlement (Conn. Agencies Regs. § 38a-788-8). There's no upfront cost — you pay only if we recover a settlement on your behalf.
For most disputed, underpaid, or complex claims, yes — a public adjuster documents damage thoroughly and negotiates on your behalf, which frequently changes claim outcomes versus handling it alone.
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No. Connecticut law (§ 38a-788-3(f)) prohibits public adjusters from having any interest in a construction, salvage, or appraisal firm. We have no financial ties to contractors, and you choose your own.
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We document only verified, actual damage. We never inflate estimates or claim work that wasn't performed — our reputation and license depend on it.
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Yes. We'll walk you through the cancellation terms in your employment contract in plain English before you sign — nothing hidden in fine print.
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You can verify Naiche's license, or any public adjuster's license, instantly through the Connecticut eLicense lookup portal.
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We represent policyholders statewide from our Vernon, CT headquarters, including Bridgeport, New Haven, Stamford, Hartford, and Waterbury. Contact us to confirm coverage in your area.
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Policyholder Advocates Only
Austin Bernaiche, Lic. #20675006
Licensed Public Adjusters
Serving policyholders statewide
Headquartered in Vernon, CT
No ties to contractors, by CT law