We settle all kinds of property damage claims
Insurance Claim Experts
Big Claims Experience, Small Firm Attention
It can be said that insurance companies fear an experienced public adjuster because they know that we are experts and committed to helping policyholders fight for the best settlement amount. So if you ask yourself is the Best Public Adjuster Near Me? The answer is yes!
- Commercial Property Claims
- Multi-Family Property Claims
- High-Value Homes & Real Estate Claims
FAQ: Why locate a Public Adjuster Near Me?
A: Insurance Claim Recovery Support (ICRS) licensed public insurance adjusters are independent, private, and licensed professional, insurance claim adjusters who only represent the interests of the insured policyholder.
- ICRS reputable public adjusters have been in business for over a decade. Their seasoned track record for settling complex large-loss property damage insurance claims fairly, and promptly without unnecessary litigation or appraisal is among the best in the United States.
- We are licensed in several states including Texas, Florida, Oklahoma, Colorado, North Carolina, Utah, and others.
- We exclusively represent your interests, the policyholder; not your insurance company.
- Our public adjusters are among the country’s best public adjusters who specialize in large, complex commercial, multifamily, and high-value real estate property damage insurance claims including buildings, homes, roofs, schools, HOAs, religious organizations, manufacturing facilities, offices, storage, and industrial parks.
- We are legally authorized to act on behalf of an insured to investigate, negotiate, advise, adjust, and settle a property insurance claim for losses such as fire, hurricane, hail, wind, tornado, flood, lightning, water, and any other storm-related damage under any insurance policy covering real or personal property.
- We assist policyholders in estimating damages, inspecting the property, investigating, analyzing, documenting, interpreting policy, negotiating, preparing your claim submissions that support your position, holding insurers accountable to statutes, compelling insurers to perform, adjusting your claim settlement offer where reasonably necessary to get you the fair and prompt settlement you deserve.
- There are many public adjusters. Not all are the same. Watch the video below to discover what is a good public adjuster.
FAQ: Who Hires a Public Adjuster?
A: Smart, successful, busy real estate owners and management companies of commercial and multifamily properties who know the value of having a professional representing their interests when negotiating a large loss insurance claim against a multi-billion dollar insurance company. We work exclusively for insured Policyholders. Whether you are a Commercial or Multifamily Property Owner/ Manager, HOA, special servicer, lender or other policyholder we represent you so you can get back to business. Contractors, Lawyers, Insurance and Real Estate Brokers routinely refer insurance claims to us in order to help ensure their clients get the maximum settlement in minimum time while avoiding unnecessary litigation or appraisals. We settle big claims for big property owners.
FAQ: When should I hire Public Adjuster?
A: We strongly urge commercial and multifamily policyholders to engage our representation at the beginning of the claim process especially if your damages exceed $250,000. Large loss claims are prone to disputes, it is much better if we document, meet with your insurer, negotiate, assist you in meeting your burden of proof, and assert your coverage position in real-time alongside the insurer’s representatives rather than after the insurer has made a coverage determination. The insurer is required to give equal consideration to the information we provide to their own. We provide your claim-supporting documentation in real-time, our clients tend to experience a much smoother claim settlement process rather than waiting for problems or surprises to arise and then we fix them. Our close ratio for settling large claims is well above industry averages with only a small number ever escalating to litigation or appraisal. When attorneys or appraisers get involved, so do time and expense. Our motto is to get claims settled and avoid escalating matters like the plague! We routinely reverse initially underpaid, denied, or delayed settlements every day but time is money so the best path to get back to business and minimize the risk of delays and underpayments is to engage ICRS at the beginning of a claim. Watch the video below to understand the benefits of hiring the right public adjuster for you and when a policyholder should consider hiring one..
FAQ: Why should I use a public adjuster?
A: After you report a claim to your insurance company, they will send an adjuster whose job is to represent the interests of their employer, your insurance company…to assess your damages. Often their job is to document and minimize the amount of the insurance company’s payment. In other words, while an “independent” or “staff” adjuster’s job is to document your claim “pro-insurer”, our job is to assess and estimate damages, recommend necessary repairs, document a comprehensive “Pro-Poliyholder” claim file, and negotiate your claim “pro-policyholder” to settle your property damage insurance claim. You wouldn’t hire the I.R.S. to prepare your tax returns so why would you allow your insurer to prepare your claim damages? By hiring a public adjuster, you will feel more confident that your rights are protected by a professional working for you.
FAQ: What is the fee for a public adjuster?
A: The fee charged by public adjusters is state-specific, dependent on claim size and complexity but typically 10% of the settlement, less the deductible. Supplemental claims are typically smaller settlement sizes because a partial payment was made but it was not enough to complete the scope of work you believe is required. In these cases, a fee of 25% is typically the charged on the amount of any additional (supplemental) settlement. In most states we work in, our fee when we are retained at the beginning of a claim does not exceed 10% of the settlement, less the deductible.
FAQ: What are the fee terms for a public adjuster?
A: The fee is typically on a contingency basis. No Recovery, No Fee. If there is no payment and/or additional supplement(s) made by your insurance company, we do not collect a fee.* Our service fee is due in full upon receipt of any payment paid out of the gross recovery on an insurance claim by the insurance company. Our public adjuster service fee is due in full upon receipt of payment from the insurance company. Public adjuster fees are not paid by your insurance company. *Contingency fees in Louisiana and Utah are prohibited, nominal fee.
FAQ: Why should anyone hire a public insurance adjuster?
A: While insurance companies seek maximum profits the adjusters that they employ are frequently overworked and underpaid. Many company adjusters will not have the time to determine everything that you are entitled to. In addition adjusters in the direct employment of an insurance company have as part of their compensation strong encouragement to save money whenever possible. A good public adjuster works diligently to prepare and present your claim to the insurance company and is not influenced by any conflict of interest.
FAQ: If I read my policy, will I know my rights?
A: Even if you read your policy from cover to cover, you will not know how the insurance company interprets and applies the numerous and lengthy clauses and endorsements to the policy. Policies are insurance contracts that may contain ambiguous terms, conditions, exclusions, benefits, and duties. With a good public adjuster protecting your best interests, you can rest assured that the policy will be professionally interpreted and explained to you. In addition, there are laws and statutes that apply to the insurance industry that you may not be aware of. These are things that a public adjuster will be equipped to handle because they work in the field every day.
FAQ: Why shouldn’t I let my contractor negotiate my insurance claim?
A: State law in most of the U.S. don’t allow contractors to negotiate insurance claims. Texas Insurance Code §4102.163 prohibits a roofing contractor from acting as a public adjuster or advertising to adjust claims for any property for which the contractor is providing or may provide roofing services, regardless of whether the contractor holds a license under this chapter. Contractors can provide estimates and discussing estimates or other technical information with an insurer or its adjuster. While roofers and construction contractors can still provide valuable services both in identifying physical damage and building failures and in completing construction projects, when it comes to insurance claim negotiation and coverage evaluation, Texas law is clear and insurer’s adjusters know the law so it’s best to leave settling claims to the licensed professionals at ICRS.
UPPA laws were first introduced in Texas in 2013 and became part of the Texas Insurance Code under section 4102.163. However, the statue was only aimed at “roofing contractors” and wasn’t specific enough to include any other type of contractor in the state. Over the past few years, UPPA has expanded into several other trades outside of roofing – particularly water remediation and flooding. In an effort to protect policyholders, the Texas legislature has expanded UPPA using HB2103.
HB2103 deletes the word “roofing” from the statue – now includes all contractors new language is added to the statute clarifying that a contractor cannot use an assignment of benefits or power of attorney form.
FAQ: Who is documenting my claim and interpreting policy on my behalf?
A: Your insurance company’s adjuster works on behalf of the insurance company, not policyholders. Public adjusters licensed by state departments of insurance are the only type of claims adjuster that can
- Legally interpret policy;
- Negotiate insurance settlements;
- Represent the rights of an insured.
Policyholders, Attorneys, and the Insurance broker of record also have the authority to settle insurance claims. Insurance agents are typically not experts in documenting and settling property damage insurance claims.
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FAQ: How long does it take to settle a claim?
A: Small claims might take only a few days. Large fire, hail, wind, or water loss claims can take between 60 and 120 days to process. The length of time needed is based on the size and complexity of the damaged property claim.
Insurance Claim Recovery Support understands the sense of urgency you feel and the desire you have to quickly resume your daily life. We will do everything in our power to ensure your claim is processed quickly and efficiently, while at the same time maximizing your claim benefits. Larger claims can take 3 months to 2 years to completely settle depending on complexity, reconstruction progress, as well as the cooperation of both the insurer and policyholder. However, multiple payments may be issued during different stages throughout the claim process as the total cost to replace damages may increase due to changes in the scope of work as repairs progress. These may include but not limited to items that could not be seen at the time of the loss and code upgrades.
Q: Can I handle my own claim?
A: Yes, anyone can try to prepare a claim, but not everyone is equipped to do so. The public adjuster will have access to the tools and software needed to handle your claim. The Public Adjuster stands on an equal footing with the insurance company when it comes to the handling, preparation, and presentation of your claim.
FAQ: Does every claim warrant the use of a public adjuster?
A: No. If you suffered a loss and you are comfortable handling the claim yourself and/or are satisfied with your treatment and settlement that your insurance carrier has paid you would not need a public adjuster.
FAQ: What is ICRS’s Services Area?
A: Currently Adjusting Commercial and Multifamily Property Damage Insurance Claims for Policyholders in Texas, Florida, Nevada, Kentucky, Oklahoma, Ohio, Colorado, Utah, North Carolina, Pennsylvania, South Carolina and Georgia.
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.
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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”
- Superior Support
- Completely Reversed
- Severe Hail & Wind Damage
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?
