When your insurance company underpays, delays, or denies a Rhode Island property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Rhode Island’s coastal geography exposes property owners to nor’easters, hurricane impacts, and chronic storm damage — losses where insurance carriers frequently dispute the cause and the scope simultaneously.
Common Rhode Island claim types we handle: wind and storm-surge losses along the coast; winter ice and storm damage; tree-fall and impact losses.
Rhode Island’s coastal exposure produces high-stakes claims with complex coverage questions around wind vs. flood causation.
Important Rhode Island disclosure
This page is an advertisement and a solicitation for public adjusting business by Resolution Claims Consulting, LLC. If you have an existing claim and are satisfied with your insurance carrier's offer, you may disregard this advertisement. Hiring a public adjuster is your choice — you have the right to negotiate your own claim, hire an attorney instead, or proceed without representation.
Resolution Claims Consulting, LLC holds Rhode Island firm license #3003758028; William J. Addis holds Rhode Island individual public adjuster license #3003745104.
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Rhode Island law. Before signing any public adjuster contract, you have the right to review the contract terms, ask questions about the fee structure and services, and seek independent legal advice if desired. Rhode Island requires written contracts for all public adjusting services; you should never pay a public adjuster before claim settlement, and you should never sign a contract that doesn't clearly state the fee.
Past results described on this website reflect outcomes achieved in specific prior claims; they are not guarantees, predictions, or warranties of future outcomes. Each claim is unique, and the outcome depends on the policy language, the facts of the loss, the carrier's position, and other factors that cannot be predicted in advance. Resolution Claims Consulting, LLC is a public adjusting firm; we are not attorneys and do not provide legal services. If your claim involves a legal dispute that requires litigation, we may recommend you consult with a licensed attorney.
Verify our license through the Rhode Island insurance regulator. License lookup links and contact information for the Rhode Island insurance department are available on our Legal Disclaimers page.
Rhode Island's loss profile differs from the storm belt and the hurricane coast. The state sees fewer hailstorms and tornadoes than the Midwest, and fewer direct hurricane hits than the Gulf or Mid-Atlantic — but the claims that occur tend to be high-severity: nor'easter wind events, coastal storm surge, ice damage, freeze-related water damage, and complex commercial losses across Providence's commercial district.
The events driving Rhode Island claim work:
Nor'easter wind and snow events. Rhode Island's exposure to powerful coastal storm systems produces sustained wind events that damage roofing, siding, gutters, and exterior systems. Heavy wet snow loads can stress roofs and structures. Coverage typically applies but causation arguments vs. wear-and-tear are common.
Coastal hurricane and tropical storm exposure. Rhode Island's southern coastline and Narragansett Bay create hurricane and tropical storm exposure. The 2021 Hurricane Henri remnants produced significant damage across Rhode Island. Coastal communities have hurricane deductibles in many policies.
Ice damage, ice dams, and frozen pipe events. Rhode Island winters produce ice damage to roofs (from ice dams), water damage from freeze events (frozen pipes bursting), and heavy snow loads on commercial roofing. Coverage often hinges on occupancy, heat maintenance, and timely repair.
Coastal flooding (separate coverage). Standard homeowners policies don't cover flooding — that requires NFIP or private flood coverage. Coastal Rhode Island properties often have both wind/hail and flood coverage from different policies, and the cause-of-loss determination becomes critical.
Commercial property in Providence and Newport. Providence's commercial corridor and Newport's tourism/hospitality properties produce significant commercial property and business interruption claims. BI calculations require actual financial records and are routinely underpaid by carriers.
Older housing stock claims. Rhode Island has some of the oldest housing stock in the country. Claims on older homes face increased "wear and tear" arguments from carriers, requiring careful documentation to distinguish storm damage from age-related deterioration.
Rhode Island's insurance market is comparatively stable — hurricane deductibles exist for coastal communities, but the state hasn't faced the availability crisis that Florida and California have experienced.
Sustained wind events damage roofing, siding, and gutters. Carriers regularly attribute storm damage to wear and tear, particularly on older Rhode Island housing stock. Documentation matters significantly.
Ice dams force water under roofing materials, causing interior ceiling and wall damage. Coverage typically applies but carriers contest causation aggressively. Insulation, ventilation, and pre-existing condition arguments are common.
Frozen pipes that burst cause significant water damage to interiors. Coverage hinges on whether the home was occupied and heated. Carriers contest occupancy claims aggressively when policyholders were temporarily away.
Coastal Rhode Island policies often include named-storm or hurricane deductibles (typically percentage-based). The deductible structure and trigger conditions vary significantly between carriers.
Commercial property losses in Providence and Newport involve building, contents, and business interruption coverage. The BI calculation requires actual financial records and is routinely underpaid.
Heavy wet snow stress can collapse commercial flat roofs, decks, and aging residential structures. Coverage typically applies but documentation of the snow load event matters significantly.
Rhode Island regulates public adjusters under Rhode Island General Laws Title 27, Chapter 10 (Claim Adjusters), with implementing regulations at 230-RICR-20-50-4. The Rhode Island Department of Business Regulation (DBR) — Insurance Division enforces these requirements.
Rhode Island's PA framework reflects strong consumer protection — the 10% catastrophic-disaster fee cap, the prohibition on dual licensing, and the explicit ban on PAs serving as emergency adjusters all favor policyholders.
Rhode Island's largest homeowners insurance writers include:
Coastal Rhode Island properties face elevated premiums and tightening underwriting, particularly within Narragansett Bay communities. Hurricane deductibles apply to many coastal policies, with specific trigger conditions that vary by carrier.
During a governor-declared catastrophic disaster, Rhode Island law caps public adjuster compensation at 10% of the settlement. Outside catastrophic-disaster scenarios, fees are negotiated by contract and there's no specific statutory cap. Rhode Island law also prohibits demanding or accepting fees before claim settlement. Resolution Claims Consulting works on contingency only, with the percentage agreed in writing before work begins.
Most Rhode Island property insurance policies require prompt notice of loss. The suit-limitation period for filing a lawsuit on a denied claim varies by policy — typically 1-2 years from the date of loss in Rhode Island. Standard homeowners policies often have specific notice and proof-of-loss deadlines that are stricter than the general statute.
Generally yes — wind damage, falling-tree damage, and ice/snow load damage are typically covered under standard Rhode Island homeowners policies. Frozen pipe damage is also typically covered if you took reasonable steps to maintain heat. The most common exclusions: gradual seepage, maintenance issues, and surface water/flooding from melted snow (which is typically considered flood, requiring separate coverage).
Hurricane deductibles in Rhode Island are often percentage-based (1-5% of dwelling coverage) and only trigger under specific conditions — typically when the National Weather Service has declared a hurricane warning for Rhode Island. Coastal properties face higher hurricane deductibles than inland properties. Check your declarations page for the specific deductible and trigger conditions.
You have options. The Rhode Island Department of Business Regulation — Insurance Division accepts complaints and assists with consumer issues. You can also pursue formal appraisal under your policy's appraisal clause. And you can engage a licensed public adjuster to document the claim and negotiate with the carrier. Many policyholders use multiple approaches simultaneously.
Often, yes. Supplemental claims for newly discovered damage or undocumented scope items are typically available within the policy's deadlines. Send us your settlement letter and the carrier's estimate — we'll review whether reopening is realistic.
Yes — Rhode Island is one of only four states where Resolution Claims Consulting, LLC holds firm licensure (Firm License #3003758028). William J. Addis is the designated responsible licensed public adjuster (Individual License #3003745104).
The statutes, dollar figures, weather event data, regulatory rules, and market information cited on this page are drawn from the following sources. Information is current as of the date this page was last updated; insurance regulations and market data change — verify current rules with each state's Department of Insurance before relying on them for any specific claim or decision.
Tell us briefly what happened. We will review your policy and the insurer’s offer, then tell you straight whether there is more to recover — and how much.
This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
