We settle large-loss fire damage insurance claims
FIRE LOSS
Trust ICRS public adjusters to settle your large-loss fire property damage insurance claim
When a fire has devastated your property, engaging ICRS public adjusters to help you settle your fire claim can help you put the pieces back together fairly and promptly.
- Apartment Complex Fire Claims
- Commercial Building Fire Claims
- Multi-Family HOA Fire Claims
- High-Value Custom Home Fire Claims
- 5 Signs You Need Claim Help Now
Public Adjuster for Fire Claims
Fire Damage Insurance Claims
Understanding Fire Insurance Claims and Policyholder Responsibilities
Fire insurance claims typically include charred, water, soot, and smoke-damaged materials. The claims process, scope of work, and estimated price to reasonably mitigate, repair, or replace your business or residential property may also include mold, asbestos, business interruption losses, and code compliance.
Ensuing water damage, asbestos, and other additional damages potentially caused by the fire department’s efforts to put out a fire can lead to mold and other issues. Your insurance policy language may site limited to no coverage. Your insurance company adjuster may blame a restoration company. It is important that you understand that there are reasonable considerations and circumstances that can trigger or exclude coverage so it’s important and timely that policyholder’s fully understand both their benefits and liabilities.Â
In order to determine how long you wait and how much you will have to pay for all your damages associated from a fire loss that is reasonable and necessary under your policy, it will likely require sophisticated negotiation skills. How quickly a fire claim is mitigated, documented, and submitted to an insurance company can make a BIG difference between a fair and prompt settlement or a burdensome journey filled with delays, frustration, underpayments, or worse yet, months of of unnecessary litigation or appraisal.
Importance of Timely Action and Policyholder Duties
Understanding your contractual duties as a policyholder to your insurance company and the contractual duties your insurer owes you as a policyholder is key to managing your liability and risk. If you’re not getting the answers you need from your insurance company, don’t wait! The longer fire-damaged property is exposed to moisture, soot, and the elements from openings caused by the fire department, the more liability you have as a policyholder.
Challenges in Fire Claim Investigations and Policy Interpretation
A proper good faith claim investigation can be subjective especially if the mitigation wasn’t handled properly or your fire claim has repair vs. replacement disputes. The interpretation of your policy and the scope of work to be performed can also be very subjective. Oftentimes, Policyholders have a certain view of covered damages, and insurance companies share a different view. The scope and cost of damages are often in dispute.
Role of Public Insurance Adjusters
Our public insurance adjusters help policyholders like you meet the burden of proof required by insurers and represent your interests to negotiate a fair and prompt settlement on your behalf, never the insurance company. Navigating policy language, benefits, and exclusions, proper depreciation, insurance adjuster estimates, engineer reports, law and ordinance limits, mold limits, documenting your losses, and holding your insurer accountable to the Department of Insurance guidance and insurance code statutes are all key points to successfully negotiating a fair and prompt settlement with your insurer.
Why Choose Insurance Claim Recovery Support (ICRS)
When you search for the most trusted public adjusters near me for commercial and multifamily fire insurance claims, Insurance Claim Recovery Support (ICRS) is the public insurance claim adjusting firm specializing in representing the interests of policyholders dealing with large property damage claims.
We hold HAAG Commercial Roof Inspector and IICRC WRT certifications in addition to public adjuster licenses in multiple states.
ICRS routinely settles complex multi-million dollar fire claims. If you own or manage an HOA, Multifamily apartment complex, food plant, storage facility, high-value home, or other commercial property, you’re no stranger to risk management. When your real estate asset suffers a fire and smoke damage insurance claim, managing risk and knowing your policyholder rights is critical to getting the fair and prompt settlement you deserve.
Large Commercial and Multifamily fire damage insurance claims can be complex, time-consuming, frustrating, and expensive if you don’t have professional guidance and representation. Know your rights and know your settlement options.
You wouldn’t hire the I.R.S. to prepare your tax returns so why allow your insurer to prepare your insurance claim?
Hiring a Hygienist to Assist Your Fire Claim
A hygienist to help determine the extent of the damages you’ve incurred will make the claims process much more effective for getting you the maximum reimbursement you deserve. A Certified Industrial Hygienist will test your dwelling for levels of mold, asbestos, smoke, ash, soot, and various additional contaminants that exist within. The job of the hygienist is to test and report all resulting environmental damages as part of your fire claim.
Types of Sampling Conducted by a Hygienist
A hygienist will perform three important types of sampling in order to determine how much damage has been incurred. The first is tape sampling which focuses on testing for evidence of contaminants that exist on any interior surfaces of the home. The second is called vacuum sampling and this focuses on finding evidence of any particulate or contaminants that have permeated furniture, window coverings, floor coverings, and other soft materials located within the home. Lastly, the hygienist will conduct air sampling to detect the level of any breathable toxins that are in the air.
Benefits of Hiring a Public Adjuster and Hygienist
All of these samples are tested for toxicity in a laboratory. Once the results are received by the hygienist, a full report is completed and recommendations are made as to whether the items that have been detected may be cleaned out entirely or if the materials that have been contaminated will need to be replaced.
By hiring a public adjuster and a certified hygienist, you can ensure that you have experts on your side to help you navigate the complex claims process. These professionals will work together to provide a thorough assessment of the damages and negotiate with the insurance company on your behalf. This can help you avoid underpayments, delays, and unnecessary litigation, ultimately leading to a fair and prompt settlement for your fire damage claim.
Preparing for Future Property Damage Claims
While it’s crucial to address current fire damage claims, it’s also important to prepare for potential future claims by understanding your insurance policy and assessing your risk management strategies. Review your policy regularly to ensure you have adequate coverage and consider making updates or adjustments as needed. By being proactive, you can minimize the financial impact of property damage and protect your assets.
Dealing with fire damage insurance claims can be a challenging and stressful experience, especially when you’re faced with complex policy language, differing interpretations, and potential disputes. By working with a public adjuster and a certified hygienist, you can ensure that your interests are well-represented, and you receive the fair and prompt settlement you deserve. Additionally, take the time to review your insurance policy and risk management strategies to minimize the impact of future property damage claims.
Years Experience
Claims Settled
Hours Worked
Average Claim Amount
No Recovery, No Fee
Get a complimentary consultation on your damage insurance claim. Our public adjusters exclusively work for the interests of 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”
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 should I do immediately after a fire damages my commercial property?
After a fire, prioritize safety and contact emergency services. Once the site is secure, document all damages with photos and video, notify your insurance company, and consider hiring a public adjuster to represent your interests during the fire damage insurance claim process.
What should apartment owners do after a fire damages their property?
Apartment owners should first ensure tenant safety and contact emergency services. Once the fire is controlled, document all fire and smoke damage, notify your insurance provider, and consult a public adjuster experienced in multifamily fire claims to help navigate the recovery process and protect your investment.
How long does it take to settle a commercial fire damage insurance claim?
The timeline varies based on claim complexity, property size, and insurer responsiveness. With professional representation, many fire damage claims can be resolved in weeks rather than months, avoiding unnecessary delays or litigation.
What is a public adjuster and what do they do?
A public adjuster is a licensed insurance professional who specializes in helping policyholders navigate the complex process of filing and negotiating property damage insurance claims. Public adjusters represent the policyholder’s interests, not the insurance company’s, and work to ensure that the policyholder receives a fair and prompt settlement for their claim. Their duties include evaluating the damage, reviewing the insurance policy, preparing a detailed claim, and negotiating with the insurance company on behalf of the policyholder.
What if my fire damage insurance claim is denied or underpaid?
If your claim is denied or underpaid, a public adjuster can help review the insurance company’s decision, identify discrepancies, and pursue a fair settlement through documentation and negotiation—often without the need for litigation.
How can a public adjuster help with my fire insurance claim?
A licensed public adjuster works on your behalf—not the insurance company—to assess, document, and negotiate your fire damage claim. They help maximize your settlement and ensure you receive a fair payout based on your policy coverage.
When should I hire a public adjuster?
You should consider hiring a public adjuster if you are facing a large or complex property damage insurance claim, such as those resulting from fire, water, or storm damage. Public adjusters are particularly helpful when the scope of the damages is unclear, the insurance company’s offer seems insufficient, or there are disputes about the cause or extent of the damage. Hiring a public adjuster early in the claims process can help ensure that your claim is properly documented, and your interests are well-represented throughout the process.
How are public adjusters compensated?
Public adjusters typically work on a contingency fee basis, meaning they only get paid if they successfully recover a settlement for you. Their fee is usually a percentage of the total settlement amount, which is agreed upon in advance. This percentage can vary depending on the complexity of the claim and the location, but it usually ranges from 5% to 15% of the total settlement.
How do public adjusters differ from insurance company adjusters?
Insurance company adjusters are employed by the insurance company and work to protect the company’s interests. Their primary goal is to evaluate the claim and determine the amount the insurance company is liable to pay, which may not always align with the policyholder’s best interests. On the other hand, public adjusters are independent professionals who work exclusively on behalf of the policyholder. Their primary goal is to ensure that the policyholder receives a fair and prompt settlement for their claim.
Do I need a public adjuster if I already have an insurance agent or broker?
While insurance agents and brokers can provide valuable guidance and assistance in filing an insurance claim, they may not have the specialized expertise required to manage complex property damage claims. Public adjusters have extensive experience in assessing damages, interpreting insurance policies, and negotiating with insurance companies, which makes them better equipped to handle large or complicated claims. Hiring a public adjuster can be especially beneficial if you are not satisfied with the settlement offer from your insurance company or if you are facing disputes regarding the cause or extent of the damage.
What types of fire damage are covered by commercial property insurance?
Most commercial property insurance policies cover fire and smoke damage, structural damage, damage to inventory or equipment, and loss of income due to business interruption. Coverage depends on your specific policy terms and exclusions.
