Home insurance in Connecticut is a conversation about the policy already on an older house, and older is the usual case. Stone, plaster, chimneys, and odd roof slopes do not rebuild like a new box on a flat lot. Have the town ready, and say whether you are on the Sound, in a river city, or up in the hills. The declarations page is the sheet that lists limits and deductibles. Start there.
Ask whether the dwelling limit follows a rebuild or a figure that was never looked at again after the last addition. A carriage house, a finished third floor, or a wing over a dirt crawl can sit outside the picture you carry in your head. Belongings and loss of use are separate from the walls. If the house cannot be lived in after a covered loss, that line matters. Do not fold it into a vague worry about the storm.
Wind along the Sound can carry a deductible that is not the same as the base deductible. Ask the question if you are in a shore town. Inland, ice and worn flashing start arguments about what is sudden and what is age. Flood and storm surge near the coast, and river flooding through low towns, are often excluded from a standard homeowners policy. Say whether you are calling about the policy, the deductible, or a claim.
A prior claim on the same roof or the same basement changes the next conversation. So does a buried oil tank you suspect but have not proved. Mention it if the heat smells wrong or the soil near the foundation smells like fuel. You are not asking anyone to guess a premium. You are describing the house the policy is supposed to answer for. Keep the cause and the first day you noticed it straight.
Bring the town, the heat source, and the part that failed. Say if this is a renewal, a new policy, or a wet room you have to report. Ask what is excluded before you assume a coastal storm is covered end to end. The call only works from the facts you actually have. Call the number on this page.