Tornado Damage Insurance Claim Public Adjuster for Policyholders

The public adjusters exclusively for commercial and multi-family policyholders.
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Trust ICRS public adjusters to settle your tornado property damage insurance claim

When a tornado has devastated your property, hiring ICRS public adjusters to help you settle your tornado insurance claim can help you get the maximum settlement you deserve in minimum time.

Public Adjuster for Tornado Claims

Tornado Damage Insurance Claim Public Adjusters settle large losses for Policyholders

Handling Texas, Florida, and Oklahoma Tornado Damage Insurance Claims

Business owners dealing with tornado damage insurance claims trust Insurance Claim Recovery Support’s public adjusters to get the fair and prompt settlement you deserve. 

Partial loss wind damage insurance claims are commonly subject to repair vs. replacement disputes. Policy interpretation, law and ordinance, business interruption, code requirements, and your compliance as a policyholder to perform your duties per policy are points that can make a big difference in receiving a fair and prompt settlement.

Tornado damage to commercial property is often evident by the extent of the damage, which isn’t always visible to an untrained eye. Broken window seals, foundation movement, or a compromised roof require expertise and a team representing your interests.

We help policyholders manage liability inherent in the insurance claim process.  Meeting your policyholder requirements in the event of a loss needs to be timely and reasonable.   ICRS public adjusters work with you as a team to prepare a full scope of reasonable and necessary property damages on your behalf, a detailed estimate of projected costs, documentation of damages, explanation and interpretation of benefits covered as well as exclusions or limitations under your policy, a projected restoration period, assistance with 3rd party vendor relationships such as material testing resources, party engineers, and other specialists if required in order to negotiate and effectuate the fair and prompt settlement.  Wind claims are complex.   

The settlement process can be adversarial.  We’ve been exclusively representing policyholders advocating and settling claims fairly without unnecessary litigation for over a decade. 

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  • When a building is pressurized, the internal pressure pushes up on the roof. This push from below the roof is combined with the suction above the roof, resulting in an increased wind load on the roof.
  • The internal pressure also pushes on the side and rear walls. This outward push is combined with the suction on the exterior side of these walls.
  • Building height – Wind speed increases with height above the ground. Therefore, the taller the building, the greater the speed and, hence, the greater the wind loads. Windows with broken seals often develop as latent damage so it’s important to check weeks and months after a tornado occurrence.
  • Additionally, when wind interacts with a building, both positive and negative (i.e., suction) pressures occur simultaneously. Internal pressure changes occur because of the porosity of the building envelope.
  • Porosity is caused by openings around doors and window frames, and by air infiltration through walls that are not absolutely airtight. A door or window left in the open position also contributes to porosity.  Wind striking an exterior wall exerts a positive pressure on the wall, which forces air through openings and into the interior of the building (this is analogous to blowing up a balloon). At the same time the windward wall is receiving positive pressure, the side and rear walls are receiving negative (suction) pressure; therefore, air within the building is being pulled out at openings in these other walls. As a result, if the porosity of the windward wall is greater than the combined porosity of the side and rear walls, the interior of the building is pressurized. But if the porosity of the windward wall is less than the combined porosity of the side and rear walls, the interior of the building is depressurized (this is analogous to letting air out of a balloon.

       If you are dealing with an underpaid, delayed, or denied property damage insurance, we can help.


Tips to help your tornado insurance settlement goes smoothly, after your claim has been filed.

1. Make sure your insurance company pays you first, not a roofing company or contractor. Never sign over your insurance settlement check to a contractor.

2. Ask for an “advance payment” from the insurance company so you can mitigate, make temporary repairs and have money for additional living expenses.

3. Understand the scope of work and costs associated in your estimate of damages that the insurance company’s adjuster provides you. If they have not given you a copy, request one in writing!

4. When reviewing the repair estimate, look for the “10 & 10” on the totals page of the estimate. This refers to the standard 10% for overhead and 10% for contractor’s profit that is written into many policies and sometimes paid as part of the claim.  Overhead and Profit (O&P) is a frequently disputed item.  If the only portion of damage is your roof, be aware that your insurer may take the position you are not going to use a general contractor and refuse to pay the 10 and 10 profit and overhead.  Check with the Department of Insurance in your state for bulletins regarding the wrongful withholding of overhead and profit on the payment of insurance claims.

5. Understand the depreciation calculations. Insurance claims are typically paid on an “Actual Cash Value” basis (Replacement cost minus depreciation) and will depreciate buildings 50%-70%, drastically reducing the final payment. Depreciation is open to negotiation.  Newer buildings and improvements such as roofs should not be depreciated as much as older assets.

ACV is typically calculated one of three ways: (1) the cost to repair or replace the damaged property, minus depreciation; (2) the damaged property’s “fair market value”; or (3) using the “broad evidence rule,” which calls for considering all relevant evidence of the value of the damaged property.

6. When disaster strikes, the demand for labor, building/roofing materials increases. The estimated cost of repairs accounted for in the insurance companies “estimate” will most likely be lower than the actual market price as demand increases.  Make sure you keep records of all incurred costs including code upgrades.*   It is best to negotiate the full amount of estimated damages based on fair market pricing on the front end so you do not have to go back to ask the adjuster for more. It can take weeks to get an adjuster to re-inspect your home/business and you may not have the same initial adjuster.

*Code upgrades are typically paid when incurred.

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Risk-Free Loss Recovery Offer

Get a complimentary consultation on your tornado damage insurance claim.  We are tornado 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 tornado 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 tornado damage insurance claim help?


What Client Says About ICRS

It pays to know ICRS – “747% Higher Payments with a Public Adjuster for Claims related to a 2005 Hurricane”

DeeDee Ritzinger
DeeDee Ritzinger
Scott is extremely knowledgeable and competent. He assisted and provided direction enabling me to improve my claim. I highly recommend Scott and his company, ICRS.
Ericka Wood
Ericka Wood
Extremely helpful and friendly. Very knowledgeable. Thank you for helping!!
Ken Culotta
Ken Culotta
ICRS was very helpful to our condo association in connection with our recent property damage claim settlement. We are not insurance pros, but when some aspects of the insurer’s settlement offer did not appear to match up with our asessment of damage, ICRS helped us understand what further claims of damage were realistic and helped us achieve success on those claims.
Narate Nichamon Nn
Narate Nichamon Nn
My wife and I were looking for a public adjuster to help us navigate the murky water of a water damage claim. So we Googled and found ICRS with so many good reviews. We scheduled the free 30-minute call right away, not knowing that our residential claim was out of their work scope. However, Misty called us on time and was so helpful. She pointed out valuable resources regarding our rights and suggested great tips on dealing with the insurance adjuster (e.g., specific questions we should ask and documenting everything). Moreover, she offered that we can contact her again in a couple of weeks if our situation does not get better. Through our conversations, we felt that Misty was sincerely willing to help us out even though we were not her client. What we got from the free 30-minute call session was beyond our expectations, and they were really helpful.
keungsik kim
keungsik kim
Misty was great following up very quickly regarding my consultation request. And I was provided whole lot of good information how to proceed with my claim with the insurance company. Thumbs up!
James Matthew
James Matthew
Words can’t describe how grateful we are for the consultation and claim evaluation we had with Scott. Full disclosure we were unable to work with him due to limitations of our scope. We wanted to properly recognize Scott for the honest and genuine passion he put in to not only our claim, but the way he runs his business in general. We hadn’t had such clarity of next steps since this began in 2020. I would highly recommend this business to everyone spinning their wheels in this process!
Leo Coleman
Leo Coleman
Great support by real professional!
Joe Castellano
Joe Castellano
Thank you for pointing me in the right direction!
Haidee Jugmans
Haidee Jugmans
Scott responded to my inquiry and took the time to listen and understand our unpleasant experience dealing with our insurance claim. Although I did not utilized his service, he gave me a sound, professional advice and offered to help when he referred me to his engineer. They replied promptly and I was able to have better understanding of the situation. Thank you Scott!

Frequently Asked Questions

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.
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.
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.
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.
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.
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7 Ways Commercial Policyholders Maximize Property Damage Insurance Claims

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