ICRS represents Northern Utah policyholders after major structure fires, smoke damage, water and freeze losses, hail, wind and other covered property damage.
Commercial property · Multifamily buildings · Churches · Schools · Associations · Agricultural and industrial buildings · High-value homes.
Licensed in Utah • Serving Weber, Box Elder and Cache County communities
A substantial loss may involve several structures, specialized systems, custom construction, contents, tenant or operational impacts and work that must occur before the full repair scope is known. Early estimates may not account for concealed damage or investigations still underway.
ICRS helps owners and managers organize damage evidence, expert findings, contractor scopes, estimates, insurer correspondence, payments and open questions into a traceable claim record.
ICRS exclusively represents policyholders—not insurance companies.
Offices, retail, manufacturing, storage, apartments and other income-producing properties with physical damage and potential operational interruption.
Religious organizations, educational facilities, condominium and homeowner associations with governance duties and multiple stakeholders.
Major residential losses involving custom construction, integrated mechanical or electronic systems, specialty finishes and significant contents.
A structure fire can affect much more than the room where flames were visible. Smoke, soot, heat, firefighting water and HVAC distribution may involve finishes, framing, insulation, electronics and concealed assemblies elsewhere in the building.
Document which areas and systems were inspected, what qualified testing supports, what remains open and the verification needed before repair and reoccupancy.
Preserve weather information, emergency mitigation records, photographs, moisture findings and repair scopes. Roof or exterior damage and resulting interior water should be connected in the evidence when they arise from the same event.
Track policies, photographs, reports, bids, estimates, invoices, payments and correspondence with dates and responsible parties.
Identify undisputed amounts, open coverage questions, missing line items, depreciation and remaining investigation rather than blending them together.
Mechanical, electrical, roofing, structural, environmental and specialty systems may require their own documentation and qualified evaluation.
ICRS provides full public-adjuster representation for qualifying claims generally valued at $250,000 or more after the deductible. Most claims under $250,000 are routed to Claim Navigator for strategic advice, with an option to discuss full representation when appropriate.
Claim Navigator includes a focused consultation, recording and transcript, practical checklists, a weather report when relevant, and a money-back guarantee.
ICRS serves policyholders in Ogden, North Ogden, Roy, Layton, Brigham City, Tremonton, Logan, North Logan, Providence, Hyrum, Smithfield and surrounding Weber, Davis, Box Elder and Cache County communities. This page describes a service area and does not represent a separate physical office in every listed city.
For claims farther south, visit our Salt Lake City, Park City, Heber City–Midway and Provo–Orem resources.
See examples of how documented property claims developed after additional scope, evidence and negotiation. Explore ICRS claim results →
Every claim depends on its policy, facts and documentation. Past results do not guarantee a similar outcome.
Learn who represents the policyholder and how that differs from the insurance company’s adjuster.
Use a structured record to identify submitted materials, missing evidence and unresolved scope.
Review ICRS support for commercial, multifamily, industrial and institutional properties.
No. ICRS exclusively represents policyholders.
Yes. An estimate or undisputed payment does not necessarily resolve every documented item. Provide the policy, estimates, payments, reports and correspondence for review.
Smoke, soot, water and building-system pathways can affect areas beyond the visibly burned location. The appropriate scope depends on qualified investigation and the actual conditions.
Our condominium focus is association-level property claims rather than individual unit-owner claims.
Share the property address, type of damage, estimated loss size and current claim status. Our team will confirm whether the assignment is a fit and discuss the proposed scope of representation and fees before engagement.
Access the free ICRS guide to preparing and documenting a commercial property insurance claim.
Looking for help with a specific loss? Explore the free Fire Claim Guide or Water Claim Guide.
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