Resolution Claims
Resolution Claims
For Rhode Island condominium and homeowners association boards, treasurers and community managers. Resolution Claims Consulting, LLC (Rhode Island firm license #3003758028) is a public adjusting firm. We represent the association on its master-policy claim, never the insurance company.
A public adjuster represents the policyholder on a first-party property claim. We represent policyholders, not insurance companies. On an association claim, that is normally the association named as the insured on the master policy’s declarations page.
Rhode Island law says a person may not act or hold themself out as a public adjuster in the state unless licensed under Rhode Island's claim adjuster law (R.I. Gen. Laws 27-10-1.2(a)). Resolution Claims Consulting, LLC holds Rhode Island firm license #3003758028, and William J. Addis holds Rhode Island individual public adjuster license #3003745104.
This page covers association property in Rhode Island.
Once the board signs a written public adjuster contract:
Each claim turns on its own facts and policy wording, and no particular result can be promised.
Storms can damage roofs, siding, gutters, windows and other exterior parts of association buildings. Cause-of-loss documentation matters: a claim is reviewed against the policy wording and the facts of the loss, so boards and managers may want to keep the storm date, photos of each building and a list of what was damaged.
Some property policies have a separate deductible for wind, hail or named storms, and it can be written differently from the deductible for other losses. How any deductible applies depends on the exact policy wording.
Rhode Island’s Condominium Act says any loss covered by the property policy the association maintains under R.I. Gen. Laws 34-36.1-3.13(a)(1) and (b) must be adjusted with the association, and the insurance proceeds for that loss are payable to any insurance trustee designated for that purpose, or otherwise to the association (R.I. Gen. Laws 34-36.1-3.13(e)). Whether that section governs your community is a question for the association’s attorney.
Rhode Island rules give an insured the right to rescind a public adjuster contract within three (3) business days after the date the contract was signed (230-RICR-20-50-4.12(A)(11)). For legal questions, including deadlines to file suit, talk with a licensed attorney.
You don't need to send these to us. A public adjuster reviews them only after a written contract is signed.
We represent policyholders, not insurance companies. On a master-policy claim, the policyholder is normally the association named on the declarations page, and that is who we would work for. Check the named insured on your own declarations page.
Who can sign contracts for the association is set by your governing documents and the board, not by us. Your board may want to confirm who has authority, for example by a recorded vote, before anyone signs. If you are unsure who has authority, ask the association's attorney. We are not attorneys and do not give legal advice.
That depends on the wording of the master policy and of your declaration and bylaws, which decide who insures which parts of the buildings. This page doesn't say what is covered for your community. For legal questions, talk to a licensed attorney in your state.
The master policy with its declarations page, every letter and estimate the insurance company has sent, photos and dates for each building, any roof or repair records you have, and the claim number if a claim is open. You don't need to send these to us. A public adjuster reviews them only after a written contract is signed.
If your policy has an appraisal provision, it usually describes a process for settling a disagreement about the amount of a loss. How it works depends on the exact policy wording. For legal questions, including deadlines to file suit, talk with a licensed attorney.
Resolution Claims Consulting, LLC holds Rhode Island public adjusting firm license #3003758028, and William J. Addis holds Rhode Island individual public adjuster license #3003745104. You can check both with the NAIC State Based Systems license lookup, and you should check any public adjuster before hiring one.
No. Rhode Island rules say the insured is not required to hire a public adjuster to help the insured meet his or her obligations under the policy, but has the right to do so (230-RICR-20-50-4.12(A)(8)(b)). You can negotiate the claim directly with the insurance company. For fee terms, see your contract; they are set out in a written contract that you review and sign before any work begins.
Under Rhode Island rules, the insured has the right to rescind a public adjuster contract within three (3) business days after the date the contract was signed. The rescission must be in writing and mailed or delivered to the public adjuster at the address in the contract within that period (230-RICR-20-50-4.12(A)(11)). For legal questions, including deadlines to file suit, talk with a licensed attorney.
Yes. This page is general information for boards and managers working through a Rhode Island HOA hail claim or a condo wind damage claim in Rhode Island. It does not say whether any damage is covered. That depends on the policy wording and the facts of the loss, and cause-of-loss documentation matters.
We are not attorneys and do not give legal advice.
We represent policyholders, not insurance companies.
This page is general information, not an interpretation of your policy. You may negotiate your claim directly with your insurance company, and you may consult an attorney at any time. For insurance questions or complaints, contact the Rhode Island Department of Business Regulation, Insurance Division, at (401) 462-9520 or through its online inquiry system at dbr.ri.gov/insurance.
To reach William J. Addis, call (309) 883-1078 or email William@Resolutionclaims.org. Contacting us doesn't hire anyone or sign any contract.
We explain what a public adjuster does and doesn't do, and how the written contract, fees and your cancellation rights work. We don't review your policy, letters or claim until a written public adjuster contract is signed.
Licensing facts on this page come from the following sources, checked November 3, 2026.
This page advertises public insurance adjusting services. In Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm, through licensed public adjuster William J. Addis. We work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Fee terms are set out in a written contract that you review and sign before any work begins. Fees are paid by the insured and are subject to applicable state law.
This page shows no past results. Every claim is different, and the outcome depends on the policy language, the facts of the loss, applicable state law and the insurance company’s position.
Resolution Claims Consulting, LLC, Firm NPN 20764010, Rhode Island public adjusting firm license #3003758028. William J. Addis, Individual NPN 18667143, Rhode Island public adjuster license #3003745104. Verify both through the NAIC license lookup.
For insurance questions or complaints, contact the Rhode Island Department of Business Regulation, Insurance Division, at (401) 462-9520 or through its online inquiry system at dbr.ri.gov/insurance.