From farmhouses, barns, and village homes to country inns, ski-area properties, downtown storefronts, medical facilities, schools, and manufacturing operations, Clarke & Cohen guides Vermont policyholders through every stage of the claim, start to finish.

Common Property Claims in Vermont

Flooding has become Vermont's defining loss. Tropical Storm Irene rewrote the state's understanding of flood risk in 2011, and the July 2023 floods put downtown Montpelier underwater and devastated communities like Barre and Ludlow, with damage reaching homes and businesses far from any mapped flood zone. Winter remains the steady source of claims, bringing ice dams, frozen and burst pipes, and snow-load roof damage from Bennington and Brattleboro up through St. Johnsbury, while wind storms drop trees onto houses and barns across the state. Older construction adds its own complications, since losses in the historic buildings of Woodstock, Middlebury, and Burlington often involve restoration costs and code requirements that standard estimates miss. Chimney and wood stove fires, farm property losses, and business interruption for the state's inns and ski-town businesses in places like Stowe complete the picture.

For each of these claims, our consultants work for the policyholder alone, confirming coverage, documenting the damage in full, valuing the loss accurately, and presenting a claim that supports a complete recovery.