AIG Private Client

What AIG Private Client covers — and what makes it different

AIG PC covers standard sudden-and-accidental water perils: burst pipes, ice-dam intrusion, sudden appliance failure, sudden storm-driven roof leaks. Sewer backup requires the water-backup endorsement (typically included on Premier tier, optional on Standard).

What makes AIG PC distinctive in our market: the premium finish reconstruction scope. Greenwich and Old Greenwich homes with plaster walls, slate roofs, custom hardwood, antique fixtures get like-kind-and-quality restoration paid by AIG PC. Standard-market carriers often push back on premium reconstruction; AIG PC generally doesn't (when properly documented).

Real example from our work: an Old Greenwich nor'easter caused roof damage in February 2026 — 70mph winds, shingle uplift, attic + 3 rooms saturated. AIG Private Client covered the full $22,500 scope including custom roof tarping, premium-grade attic insulation replacement, and plaster restoration in two affected rooms.

AIG PC's claims process — what to expect

Initial response is typically 24-48 hours for HNW losses, with an adjuster on-site within 3-5 days (faster for emergencies). The slightly longer initial timeline vs Chubb/PURE is offset by the depth of the eventual scope review.

AIG PC's claim adjusters are experienced HNW handlers. They will scrutinize Xactimate scopes line-by-line and may push back on specific items if documentation is thin. The right response is not negotiation — it's providing the underlying IICRC standard reference (S500/S520/S700) and moisture/equipment evidence that justifies the line item.

Payments issue typically 7-14 days post-approval. AIG PC supports direct billing of restoration contractors. We are direct-billed standard.

Working through AIG PC's preferred vendor pressure

AIG PC operates a recognized preferred-vendor network for restoration work in the Northeast. They will likely mention this network and may try to dispatch a preferred vendor before you've selected your own contractor.

You have free choice of contractor by federal contract law and CT consumer protection. Their preferred network is offered for convenience, not as a requirement. We are direct-billed by AIG PC routinely on Fairfield County HNW losses where the policyholder chose an independent contractor.

The argument for an independent IICRC-certified contractor in HNW losses: scope thoroughness. Preferred vendors are incentivized toward speed and carrier-aligned cost containment. Independent shops are incentivized toward documenting the full restoration scope. On premium-finish HNW properties, the difference between an under-scoped and properly-scoped claim can be tens of thousands of dollars.

AIG PC endorsements that matter most

Water Backup of Sewer or Drain — covers sewage backup and sump-pump failure losses. Often pre-included on Premier; optional on Standard. Should always be carried.

Ordinance or Law (Building Codes) — covers cost of bringing reconstruction up to current code. Often required for Greenwich's older housing stock where original construction predates modern code.

Mold Remediation Buy-Up — increases mold sublimit beyond default. For estate homes worth $1M+ in chronic-moisture areas (coastal Greenwich, low-lying Westport), worth carrying.

Equipment Breakdown — covers mechanical/electrical failures of home systems (HVAC, boiler, sump pump motor). Distinct from water-loss coverage but often interacts with it.

Verify your endorsement stack on your declarations page. The strongest defense against under-coverage is the right endorsements purchased before the loss happens.