We settle large-loss Tornado damage insurance claims
TORNADO LOSS
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.
- Commercial Property Tornado Claims
- Multi-Family Property Tornado Claims
- High-Value Homes & Real Estate Tornado Claims
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.
- Check out Tornado Insurance Claim tips for Homes, Commercial and Multifamily Properties.
- See why policyholders love us by scheduling a complimentary claim review, you’ll be glad you did!
WHAT HAPPENS DURING A TORNADO
- 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.
TORNADO DAMAGE INSURANCE CLAIM TIPS
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.
Years Experience
Claims Settled
Hours Worked
Average Claim Amount
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?
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
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