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Property damage claims · Policyholders only

Property Damage Insurance Claim Types

From apartment fires to commercial hail and water losses, ICRS helps policyholders document, present, and negotiate complex claims.

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Find your loss

Start with what happened to the property.

Fire and storm are two major areas of focus. The cause, affected property, coverage, and timing shape the next steps. Use the guides below as a starting point and discuss the facts of your claim with ICRS.

Fire-damaged commercial structure
Priority focus

Fire

Structural, smoke, water, contents, code, and business interruption questions may need one coordinated claim record.

Explore Fire →
Hail impact on a commercial roof
Storm damage

Hail

Roof, exterior, mechanical, and interior damage may extend across multiple buildings.

Explore Hail →
Damaged boat storage facility with collapsed structure, illustrating wind damage and property destruction in Texas City, relevant to insurance claims support.
Storm damage

Wind

Document openings, roof components, water entry, and damage patterns after a wind event.

Explore Wind →
Water damage inside a multifamily property
Interior damage

Water

Trace the source, affected materials, mitigation work, and environmental concerns such as moisture or mold where applicable.

Explore Water →
Water event

Flood

Separate flood-related damage and coverage questions from other causes of loss.

Explore Flood →
Catastrophe

Hurricane

Organize wind, rain, flood, and business impacts across properties and locations.

Explore Hurricane →
Severe storm

Tornado

Record structural, roof, contents, and interruption impacts after severe wind.

Explore Tornado →
Electrical damage

Lightning

Inspect visible and hidden electrical or mechanical impacts and preserve supporting records.

Explore Lightning →
Free claim education

Guides for the loss you are facing.

Download the Fire Claim GuideDocumentation and next steps after a fire lossDownload the Hail & Wind Claim GuideRoof and exterior storm damage considerationsDownload the Hurricane Claim GuideOrganizing evidence after wind and water damage
Common questions

What to consider early in a property claim.

When should I speak with a public adjuster?

After immediate safety and protection needs are addressed, early review can help identify documentation gaps. Notify your insurer and follow the deadlines and duties in your policy.

Can one event involve more than one loss type?

Yes. A fire may also involve smoke, water, and business interruption; a storm may involve wind, hail, and water. Coverage depends on the policy and facts.

Does ICRS handle smaller claims?

Qualifying large losses may receive public adjuster representation. Claim Navigator offers separate paid strategic guidance for eligible claims. Terms depend on the engagement and applicable law.

Information here is general. Coverage and claim outcomes depend on the policy, facts, and applicable law.

Have a complex property claim to discuss?

Tell ICRS what happened and where the claim stands.

Request a Claim Review

Public Adjuster Licenses

Insurance Claim Recovery Support, LLC · Lakeway, Texas · Texas public adjuster agency license #1670060 · Agency NPN #16144334.

Scott Friedson — Individual Licenses

  • Texas #1632488
  • Colorado #411678
  • Florida #W797805
  • Georgia #2874635
  • Indiana #3891955
  • Kansas #15827727
  • Kentucky #1014264
  • Maryland #2106190
  • Nebraska #15827727
  • Nevada #3508775
  • North Carolina #15827727
  • Ohio #1289475
  • Oklahoma #100118599
  • Pennsylvania #1043874
  • South Carolina #893766
  • Utah #915234
NPN #15827727Haag Certified Commercial Roof Inspector #201408103IICRC Certified Water Restoration Technician (WRT) #229373

Misty Friedson — Individual Licenses

  • Texas #2647568
  • Florida #W798577
  • Kentucky #1267289
  • North Carolina #19846653
  • Nebraska #19846653
  • Ohio #1416569
  • Oklahoma #3001820951
  • Pennsylvania #1054792
  • South Carolina #19846653
  • Utah #915489
NPN #19846653Haag Certified Commercial Roof Inspector #202111207

Insurance Claim Recovery Support, LLC — Agency Licenses

  • Texas public adjuster agency license #1670060
  • Colorado #4472448
  • Florida #W927993
  • Nebraska #3003284270
  • Ohio #1416560
  • Utah #959121
Agency NPN #16144334
ICRS logo with text "We Settle Big Claims" and details about commercial and multifamily public insurance adjusting, highlighting over $250 million in settlements, emphasizing "No Recovery, No Fee," against a dramatic stormy background.

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7 Ways Commercial Building Owners Maximize Insurance Claims

Access the free ICRS guide to preparing and documenting a commercial property insurance claim.

Open the free guide (PDF)

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

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