Connecticut Underpaid Claim Calculator
How Can You Tell If Your Claim Was Underpaid?
Compare three things: what the insurer's own estimate says it owes minus what it has paid, how far your contractor's estimate and contents inventory are above the insurer's, and which common items are missing entirely. A large gap, several missing items, or unpaid depreciation are the usual signs of an underpaid claim.
Check Your Numbers
Use the figures on your insurer's estimate and payment letters. Leave blank anything you don't have. Nothing you type here leaves your browser until you choose to send a review request.
| Signs of underpayment | A gap of 10% or more, missing line items, unpaid depreciation |
|---|---|
| What you need | Insurer's estimate, payment letters, your contractor's estimate |
| What it can't do | Judge coverage or predict a settlement |
| Connecticut fee cap | 10% of the settlement |
How to Read Your Insurer's Estimate
Most estimates list a replacement cost value (RCV), subtract depreciation to reach actual cash value (ACV), then subtract your deductible. Many policies pay ACV first and release the held-back depreciation once repairs are finished. If you never submitted proof of completed repairs, that money may still be waiting. See how a property damage claim works.
Why Contractor Estimates Come in Higher
A gap between your contractor and the insurer usually comes from scope, not arithmetic: rooms or surfaces left out, patch pricing instead of replacement, no allowance for matching, or items like overhead and profit, permits and debris removal missing. Compare the two estimates line by line; the checklist in the calculator covers the items most often left out. Details are in underpaid claims.
Questions about your underpaid claim? A licensed Connecticut public adjuster will review it free.
Get a free reviewWhat to Do With the Result
- Small gap, nothing missing: you may not need help. Submit receipts for held-back depreciation yourself.
- Missing items or a moderate gap: send the insurer a supplemental claim with your contractor's estimate and photos.
- A large gap or a stalled negotiation: consider appraisal or a free review from a licensed public adjuster.
- A dispute over whether something is covered at all: see lawyer or public adjuster.
Connecticut Fee Math
Connecticut caps public adjuster fees at 10% of the settlement, and the fee is based only on money the insurer actually pays. Whether the percentage applies to the whole settlement or only to the increase over the insurer's earlier offer makes a large difference on underpaid claims; the calculator shows both. See public adjuster cost.
Questions People Ask
Is a 10% Difference Between Estimates Normal?
Small differences in pricing are common. A gap of 10% or more, or whole items missing, usually means the scope differs and is worth a line-by-line review.
Can I Get Held-Back Depreciation Without a Public Adjuster?
Often yes. Many policies release it once you show the repairs were completed. Check your policy for the deadline to claim it.
Get a Free Review of Your Underpaid Claim
A licensed Connecticut public adjuster will look at your policy and the insurer's numbers. You'll hear back the way you ask, usually within one business day.
Start my free review