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Claim Help
Claim Help
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ICRS Insurance Claim Recovery Support logo
Call 512-904-9900
Houston metropolitan area • Katy • Texas

Licensed public adjusters for large property damage claims in Houston and Katy

When a fire or storm damages your building, the insurance claim can become a project of its own. ICRS helps property owners and managers document the loss and pursue a fair settlement.

Commercial buildings. Apartment complexes. Churches. Associations. High-value homes.

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Based in Lakeway, Texas • Serving policyholders in Houston and Katy

A major loss needs a clear claim strategy

Large losses in Houston and Katy may raise separate questions about wind, water intrusion, flooding, equipment and interrupted operations. Our licensed public insurance adjusters help property owners and managers organize the facts and documentation for the applicable property claim.

Keep the timing, location and observed source of damage clear. Different policies, causes of loss and deductibles may need separate review; the appearance of water damage alone does not establish coverage.

Understand what a public adjuster does →

Meet ICRS and learn about our work with property insurance claims.

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Support for the property you own or manage

Commercial and multifamily

Apartment complexes, offices, retail centers and industrial properties with building damage and potential operational disruption.

Churches and associations

Religious organizations, HOA and condominium associations, schools and historical buildings with complex repair needs.

High-value homes

Significant damage involving custom construction, specialized finishes and a repair scope that needs careful documentation.

Fire damage deserves a closer look

A fire claim can involve more than visibly burned materials. Smoke, soot, water used during firefighting and disruption to the property’s use may also need evaluation.

Gather the policy, claim correspondence, available photographs and repair estimates for your review. Coverage and the appropriate next steps depend on the policy and circumstances.

Explore the Free Fire Claim Guide
Firefighters responding to a building fire

Property damage claims in Houston and Katy

Houston-area claims can involve wind damage, wind-driven rain, a plumbing release or rising floodwater. Record the source and timing separately for each affected building; different coverage forms and deductibles may apply.

Fire, smoke and soot

Document affected rooms, contents and systems, including firefighting water and questions requiring qualified inspection. Fire and smoke claim support.

Hail damage

Preserve dated roof and exterior photographs, roof-system details, maintenance records and inspection findings. Match each proposed repair to an identified building or roof section. Hail claim support.

Water damage and burst pipes

For a pipe burst, photograph the failed section when safe and preserve plumbing reports, mitigation records and affected-unit details. Distinguish that release from roof leaks, wind-driven rain and rising floodwater. Water and burst-pipe claim support.

Freeze and winter damage

Retain available weather, heating, occupancy and plumbing records together with the damaged-component evidence. Review resulting water damage separately from the failed pipe or equipment. Winter-storm resources · Freeze and water claims.

Flood and rising water

Document the water source, entry points, water lines, affected building areas and cleanup records. Review the applicable flood policy separately; property coverage must be checked against its terms. Flood claim support.

Lightning and electrical damage

Preserve incident records, equipment details, diagnostic findings and repair proposals. Qualified inspection can help distinguish direct damage from unrelated wear or failure. Lightning claim support.

Related business interruption

Keep income, expense, tenant, shutdown and restoration-timeline records separate from building estimates. Business interruption is a potential consequence of a loss, not a separate cause of physical damage. Business-interruption claim documentation.

Coverage and recovery depend on the policy, exclusions, deductibles and documented facts. ICRS exclusively represents policyholders. Full representation is for qualifying claims of $250,000+ after deductible. For claims under $250,000, Claim Navigator provides paid strategic guidance, with the option for full representation when appropriate. Request a claim review.

Document the damage. Understand the claim.

Roof shingles with marked impact areas during a hail-damage inspection
Roof and shingle inspections
Large hailstones resting on asphalt roof shingles
Hail and storm damage
Damaged buildings and debris after a tornado
Wind and tornado damage

Keep wind, water and operational records distinct

For commercial buildings and apartment complexes, preserve roof and exterior inspections, interior damage photographs, mitigation records and a timeline of the loss. Track shutdowns, affected spaces and supporting financial records separately so any business-interruption questions can be evaluated under the policy.

Find the relevant Houston-area claim resources

Start with our Houston commercial and large-loss claim services. For property-specific local information, review Katy, Sugar Land, Cypress, The Woodlands, Tomball or Galveston.

For Pearland, Friendswood or another nearby community, submit the damaged property’s location through the claim-review form. Our team can confirm service availability and the appropriate next step. Keep wind, water-source and repair records organized by location; the city name alone does not establish what a policy covers.

Where is the damaged property?

Select the property’s location to explore regional claim resources.

Ready to discuss your loss? Request a claim review through our intake page.

Request a Claim Review

Review selected ICRS claim results

See examples of how documented property claims developed after additional scope, evidence and negotiation. Explore ICRS claim results →

Documented ICRS apartment fire and church hail examples

These are ICRS portfolio examples; a location in this service area is not asserted.

Apartment fire: building damage and lost income

ICRS documented the building loss and business-interruption components on a 24-unit apartment fire claim. The published case reports a 122% increase, including $1M+ above the insurer offer and $200K+ in business-interruption proceeds.

Read the apartment fire case →

Church hail: roof and interior evidence

ICRS documented roof and interior damage and organized the supporting evidence for a church hail claim. The published case reports a 512% increase without unnecessary litigation.

Read the church hail case →

Every claim depends on its policy, facts and documentation. Past results do not guarantee a similar outcome.

Resources before your next decision

Questions from property owners

Do you have an office in Houston and Katy?

ICRS is based in Lakeway, Texas and serves property owners in Houston and Katy. This page describes a service area, not a separate Houston and Katy office.

Can I request a review of an underpaid or delayed claim?

Yes. Share your policy, available estimates and insurer correspondence so the team can review the situation and discuss whether ICRS is a fit.

Do you handle individual condominium owner claims?

Our condominium focus is association-level property claims, rather than individual unit-owner claims.

Let’s discuss your property loss

Tell us where the property is, what happened and where the claim stands.

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Looking for help with a specific loss? Explore the free Fire Claim Guide or Water Claim Guide.

Request a Free Large-Loss Claim Review ($250,000+ after deductible).

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