We settle all kinds of property damage claims
Insurance Claim Experts
Big Claims Experience, Small Firm Attention
Unsure when to hire a public insurance adjuster? Struggling with a large or complex claim? We settle large, complex, or underpaid claims.
Get your property damage insurance claim settled with help from Insurance Claim Recovery Support Public Insurance Adjusters, the policyholder advocates that Commercial & Multifamily business owners trust.
- Commercial Property Claims
- Multi-Family Property Claims
- High-Value Homes & Real Estate Claims
THE PUBLIC INSURANCE ADJUSTERS EXCLUSIVELY FOR COMMERCIAL & MULTIFAMILY POLICYHOLDERS
The Right Time to Hire an ICRS Public Adjuster
| Aren’t getting the property damage insurance claim settlement you deserve? | Delayed? |
| Don’t fully understand the policy language, coverage, benefits, exclusions, or terms? | Underpaid? |
| Don’t have time to deal with the insurance claims process? | Wrongfully Denied? |
| Are not getting reasonable responses from your insurance company? | Feeling ignored? |
Far too many insurance companies are masters at delaying, underpaying, omitting legitimate damages, seeking exclusions, ignoring facts, and sometimes even break the law. The truth is, if you seek the maximum settlement you deserve with minimum time delays and stress, you may want to consider hiring an ICRS public adjuster to negotiate your insurance claim at the beginning, when a dispute arises, or to supplement a claim as a non-litigious option to settle a property damage insurance claim.
Engaging a good public adjuster at the beginning of a claim is the best time. Especially if the claim is a partial loss, large or complex. The reason why is that insurers are required to give consideration to any evidence which supports the policyholder’s interests equal to their own in the spirit of acting in good faith. Unrepresented policyholders who don’t have anyone representing their interests run risks of poor documentation, misunderstanding of policy terms and claims submissions, improper inspections, delays, underpayments, financial stress, errors, omissions, bad faith tactics, and improper claims-handling practices.
Reasonably preventing property from further damage as well as performing a “timely and thorough investigation” of claims is an absolute MUST for a policyholder. Getting a prompt and fair settlement versus delays, underpayments, controversy, adversity, and unnecessary litigation can be achieved by hiring a professional public adjuster at the beginning of a claim to get fairly indemnified. Good, experienced public adjusters will assist policyholders to navigate the insurance claim process from mitigation efforts to the recovery of withheld depreciation.
Public insurance adjusters are essentially policyholder advocates who act as private, independent, licensed, bonded, and professional claims adjusters that settle property damage insurance claims exclusively on behalf of the insured. They work solely on behalf of policyholders. Individuals and businesses hire these licensed professionals when they need help filing a claim or if they believe a claim amount offered by their insurance company was incorrect.
Public adjusters can file and negotiate claims for flood, fire, smoke, wind, and hurricane damage, as well as damage due to other perils, and loss of business income caused by property damage. They are legally authorized to act on behalf of an insured policyholder. Practices, responsibilities, and duties of a public adjuster include:
- Review policy language – some coverages and exclusions are open to interpretation. Analysis of conditions and knowledge of the terms of your indemnity contract are key.
- Assist the policyholder in meeting their burden of proof of claimed property damages.
- Perform a Timely and Proper Investigation – Inspect and assess physical damages.
- Match up losses with the appropriate property coverages for a fair settlement demand.
- Review and respond to carrier correspondence addressing any omissions, misrepresentations, wrongful denials, violations of policy, and violations of insurance code statutes.
- Compile and Submit a Pro-Policyholder Claim Package to your insurer with supporting evidence that documents your damages, the estimated scope of work, estimated costs, occurrence data, 3rd party reports, photos, news stories, policy language, statutes, bulletins, proper forms and present a proof of loss.
- Incorporate reasonable arguments to trigger coverage under your insurance policy and in compliance with the insurance code statutes of your state.
- Proactively remove objections, roadblocks, and wrongful withholding of coverages.
- Expose the insurer’s liabilities and potential violations of the statutory insurance codes.
- Reasonably argue with a credible degree of certainty any questionable allegations of an insurer’s view for underpayment, delays, or wrongful denial of your property damage insurance claim.
- Negotiate a fair and prompt settlement.
- Prepare, complete, and/or file a complaint to the state department of insurance on your behalf.
- Refer legal counsel, expert engineers, hygienists, or other professionals when necessary.
- Avoid unnecessary litigation and appraisal.
Multifamily, Apartment and Commercial business policyholders who engage Insurance Claim Recovery Support LLC public adjusters have vastly benefited from the outcome of the claim settlement we deliver as a result of our pro-policyholder representation. We work on contingency and often policyholders actually save a lot of time and pay the same fee by hiring us at the beginning of a claim rather than waiting for problems.
Multifamily Claims
Apartment owners, homeowners associations, condominiums, townhomes and multifamily management companies have been our core business for years. The single best way to protect your property, rights, retain tenants and get back to normal operations is with ICRS on your side to settle your property damage and business interruption insurance claims. Get a FREE claim evaluation.
Commercial Claims
When your office, retail center, school, place of worship, hotel, restaurant, convention center, storage, industrial, manufacturing facility or other commercial property gets damaged, our experienced public adjusters help get you back in business, quickly. We’ll review all aspects of your insurance policy and help you get the maximum settlement you deserve in minimum time! Get started by scheduling a FREE consultation.
Business Interruption Claims
The policy language for business interruption claims can be subjective. Save time and stress playing claim games! If a loss of business income insurance claim isn’t adjusted properly and promptly, it can have a drastic effect on your company. Our Public Adjusters work exclusively on your behalf to document and negotiate the settlement you deserve with your insurance company. Start your business interruption claim now.
Years Experience
Claims Settled
Hours Worked
Average Claim Amount
Risk-Free Loss Recovery Offer
Get a complimentary consultation on your damage insurance claim. We are claim adjusters who work for policyholders, not the insurance company. If you choose to hire us, we work on contingency. No recovery, no fee. Our insurance claim process is proven and streamlined. We also value your privacy. We do not sell, trade, or rent your personal information to others.
Need immediate damage insurance claim help?
TESTIMONIALS
What Client Says About ICRS
It pays to know ICRS – “747% Higher Payments with a Public Adjuster for Claims related to a 2005 Hurricane”
Sign : Cornell Williams
I cannot say enough good things about Insurance Claim Recovery Support — they truly feel like earth angels. Misty and Scott helped me through one of the most overwhelming and helpless times of my life. As a single woman dealing with major home renovations after a severe water leak, I was unfortunately taken advantage of by a dishonest contractor. From breaking my TV and not saying a word, to lying about repairs, damaging my sprinkler, inflating estimates with bogus charges, and even threatening legal action — I was completely overwhelmed.
That’s when Misty and Scott stepped in. Their knowledge of the laws and the insurance claims process is unmatched, and their compassion and support were exactly what I needed. They knew exactly how to handle the situation, empowered me with the facts, and guided me every step of the way. They genuinely listened, made me feel heard and understood, and stood by my side when I needed it most. I am beyond grateful for their integrity, expertise, and kindness. If you’re facing a tough insurance claim situation, do not hesitate to reach out to them — they are absolute professionals and true advocates and helped me feel safe in my own home again.
Scott and Misty are absolute professionals. Their knowledge of the insurance claim process is unmatched, and they navigated our case with skill, integrity, and relentless attention to detail. On top of that, they’re HAAG certified roof inspectors, which made all the difference in proving the true extent of our damages.
Looking back, we wish we had hired ICRS from the very beginning. It would have saved us so much stress, time, and lost money. If you’re dealing with an insurance claim - especially a commercial one - don’t wait. Call ICRS.
We’re beyond grateful for everything they did for us.
Scott and Misty from ICRS have been the most honest, supportive, and knowledgeable people I’ve encountered throughout this ordeal. They made me feel heard and understood, which was a welcome relief after so many interactions with professionals who seemed more interested in their bottom line than in helping me.
Scott guided me through this incredibly complex and stressful process with expert advice, giving me the clarity and confidence I desperately needed. His and Misty’s commitment to doing what’s right for their clients is unmatched. They genuinely care and provide guidance and support that feels personalized and sincere.
Thanks to Scott and Misty, I’m back on track and no longer feel overwhelmed. ICRS has saved me countless hours of stress and struggle, and I wholeheartedly recommend them to anyone dealing with a large-loss claim after a storm. Trust me—making them your first call can save you immeasurable frustration and help you navigate this difficult path with sound advice and unwavering support.
Thank you, Scott and Misty, for everything you’ve done!
-Jason Cheshire
Our Insurer mislead us and withheld information. It took weeks for them to provide a copy of our policy, and when they did, they excluded information that benefited us. ICRS pressured them to provide a full copy of our policy which included the benefits they had initially excluded.
Our Insurer provided a scope that was not aligned with the actual cost of rebuilding our home. ICRS countered with a realistic scope and advised us to secure independent quotes on our own. ICRS then leveraged its scope and the independent quotes to force our insurer to provide more realistic amount for the rebuild. The scoping process took months, and ICRS drove the communications the entire time.
The first adjuster that our insurer assigned to our claim arrived at the site visit and interview with a combative attitude, where he used inappropriate language, and attempted to force the negotiations their favor by manipulating the facts. ICRS swiftly called out the adjuster and guided the negations back on track.
Our Insurer cycled through four adjusters during our claim. The pass-down of information between these adjusters was insufficient, with each new adjuster attempting to avoid payout using the same methods that failed with the last. We were astonished that a company could act in this manner without serious recourse. ICRS was able to leverage emails, photos, inspection reports, and additional documentation to bring the adjusters up to speed after each transition. ICRS’ efforts kept the claim moving every time our insurer attempted to stall.
When our Insurer misrepresented the policy and refused to pay out for damages that were covered, ICRS drove the communications process and provided documentation, which included case-law excerpts from similar claims that had gone to trial. This approach provided breakthroughs on vital areas of the negotiations. ICRS provided a paper trail and documentation that our Insurer couldn’t ignore, and ultimately they were forced to pay out due to the exposure that ICRS had made apparent.
ICRS increased the overall claim by more than 20% during the planning and rebuild process through supplements. Through negotiations with our Insurance company, ICRS increased the claim by 104% over what was released up-front in our initial settlement. Additionally, the payout ICRS secured for us was 31% higher than our policy limit.
Before that fire, we had heard insurance companies pull out every trick in the book to avoid paying out on a policy. Having gone through this experience, we can say that the behavior on our insurers part was far worse than we had ever imagined possible. We advise with 100% conviction that anyone dealing with a large loss such as ours, hire a public adjuster to navigate and advocate on their behalf in order to get the needed results. Our family could not have rebuilt our home with the funds our insurance company provided, and we only have a home to return to because of ICRS’ efforts to hold our insurer accountable for the policy we had paid for. Throughout the claim, which lasted over a year, ICRS navigated the entire claim process with professionalism and care. Our family offers a sincere thank you to Scott, Misty, and the entire ICRS team.
Very knowledgeable. Thank you for helping!!
Frequently Asked Questions
What is a public adjuster and what do they do?
When should I hire a public adjuster?
How are public adjusters compensated?
How do public adjusters differ from insurance company adjusters?
Do I need a public adjuster if I already have an insurance agent or broker?
