ICRS provides paid public adjusting services. Consultation and contingency representation fees depend on the service and the written agreement. Before hiring anyone, ask what the initial review includes, whether it carries a charge, and how fees for further work will be calculated.
ICRS represents policyholders in property damage claims. This guide helps you understand the proposed service, its scope and its cost. To choose the service suited to your claim, compare Claim Navigator and large-loss representation.
For property damage claims under $250,000, Claim Navigator provides paid strategic consultations backed by a money-back guarantee, with the option for full representation based on the claim and a separate representation agreement.
What does an initial consultation include?
An initial discussion may help identify the property, type of loss, claim status and records available for review. It is not the same as an inspection, a complete estimate, a specialist report or ongoing negotiation. Confirm the scope and any charge before booking.
Questions to ask before signing an agreement
- Who will perform the work, and what services are included?
- Is the fee a percentage, a fixed amount or another arrangement?
- What amount is used to calculate the fee?
- How are prior payments, the deductible and any additional recovery treated?
- Are inspections, estimates or outside specialists included or separately charged?
- When is payment due, and what happens if there is no additional recovery?
- What are the agreement’s cancellation and termination terms?
Ask for written answers and an example calculation using your claim’s actual figures. Read the proposed agreement before authorizing work. Do not assume every firm or service uses the same terms.
Compare the work as well as the fee
A substantial claim may require organizing photos, comparing estimates, documenting omitted scope, tracking payments and coordinating qualified specialists. Understand who is responsible for each task and how you will receive progress updates.
For a fire, water, freeze, hail or wind loss, useful starting records include the policy, insurer estimate, payment history, damage photographs, contractor proposals and relevant professional reports. Our large-loss documentation checklist helps organize those records.
Initial claims and requests for additional payment
Tell the prospective representative whether the claim is newly reported, partly paid, denied or being reviewed for additional payment. Provide prior estimates and payment records so the proposed scope of work and fee can be explained clearly.
A percentage quoted without its calculation basis is not enough to compare offers. Ask how the arrangement applies to money already paid and money that may be recovered later.
Choose representation based on relevant experience
Ask about experience with your property type and loss—not just general settlement claims. Commercial buildings, apartments, condominium and homeowner associations, schools, churches and high-value custom homes can involve different documentation and coordination needs.
Verify the professional’s license with the applicable state regulator and ask for relevant, verifiable examples. No one can guarantee a particular payment or completion date before the evidence and claim circumstances are evaluated.
Discuss your claim with ICRS
Share the property location, what happened, the current claim status and any estimates or payments received. We can discuss which available service may fit your needs and explain its scope and cost before you engage it.
