AIG Private Client Group High-Value Home Claims in New York

AIG PCG (now Corebridge) provides high-net-worth coverage through its Private Client Group. Policies tend to be broad — often including guaranteed or extended replacement cost, worldwide coverage, and high limits for contents and ALE. Claims are handled by experienced adjusters, but the scope and pricing are still controlled by the insurer.

The risk with AIG PCG claims is not that coverages are missing — it's that the scope is underestimated. On a $3 million Gold Coast estate, a scope that omits custom woodwork, imported materials, or landscape restoration can be hundreds of thousands of dollars short, even with a 'broad' policy.

Even with a premium carrier, we see these patterns:

AIG PCG policies in New York are governed by NY Insurance Law. The carrier must investigate, communicate, and settle in good faith. If your policy includes guaranteed replacement cost, AIG PCG must pay the full cost to repair or rebuild to the original quality, even if it exceeds the policy limit. If the carrier offers a cash settlement instead, you can demand that they pay the actual cost of repair.

Your policy includes an appraisal clause for amount disputes. On high-value homes, appraisal is particularly valuable because the scope and pricing are complex and the dollars at stake are large.

A public adjuster with high-value property experience documents custom materials, works with specialty contractors to price the real repair cost, values scheduled and unscheduled property at replacement, and ensures every coverage — guaranteed replacement cost, ordinance or law, ALE, landscape — is fully applied. We negotiate directly with AIG PCG's adjuster and can invoke the appraisal clause if needed.

Fees average 6–12% of the recovery, capped at 12.5% by New York law. On large claims, the percentage is at the lower end. No recovery, no fee. Call 516-410-0164 for a free review.