We settle large-loss property damage insurance claims
You Deserve More Than a Settlement You Deserve the Full Recovery You’re Owed. When disaster strikes — fire, hail, wind, flood, burst pipe, business interruption, or other property damage — the insurance claim process can feel overwhelming. Insurance companies train adjusters to minimize payouts and protect their bottom line. That’s where we step in
Insurance Claim Experts
Big Claims Experience, Small Firm Attention
Public adjuster fees depend on the engagement and applicable law. ICRS offers contingency-fee representation for qualifying large losses and separate paid strategic guidance through Claim Navigator. At Insurance Claim Recovery Support (ICRS) and InsuranceClaimNavigator.com, we help policyholders like you navigate the claim process, understand every contract nuance, and pursue a fair, policy-supported resolution — whether your damage is large or modest.
- Commercial Property Claims
- Multi-Family Property Claims
- High-Value Homes & Real Estate Claims
How Do Public Adjusters Get Paid?
Public adjusters handling large property insurance losses generally charge contingency fees: a percentage of the insurance recovery, subject to the written agreement and applicable state law. For qualifying ICRS contingency representation, No Recovery, No Fee. ICRS generally represents policyholders with large losses of $250,000 or more after the deductible. ICRS generally charges 10% of the insurance recovery after the deductible for qualifying large-loss claims, subject to the written agreement and applicable state law. The deductible is subtracted before calculating this fee; the fee is a separate cost paid by the policyholder.How Much Does a Public Adjuster Cost?
Illustrative ICRS fee example| Total covered settlement | $500,000 |
|---|---|
| Policyholder deductible | $25,000 |
| Insurance company payment | $475,000 |
| ICRS fee at 10% | $47,500 |
Texas Public Adjuster Fee Limits
Under Texas Insurance Code §4102.104, total public adjuster commissions may not exceed 10% of the insurance claim settlement. This legal cap is separate from ICRS’s contractual fee calculation after the deductible. Section 4102.104(b) prohibits a percentage commission on certain claims where the insurer pays or commits in writing to pay policy limits within 72 hours after the loss is reported; reasonable compensation for time and expenses may apply instead. Supplemental claims may have different contractual fee arrangements, including treatment of prior payments and additional recovery. The written agreement and applicable state law control. For Texas claims under $250,000, the separate, paid Claim Navigator advisory service provides guidance under its own terms. It is separate from qualifying contingency representation. Get Claim Help — Find the Right ICRS ServiceWhat Should You Ask Before Signing?
- What recovery is the fee calculated on, and when is it earned?
- How are the deductible, prior payments, and supplemental recovery treated?
- Are any separate expenses payable, and are they explained in the agreement?
- What services, responsibilities, and cancellation rights does the agreement describe?
- Is the adjuster licensed for the state where the property is located?
Choose the Right Type of Claim Help
ICRS generally handles qualifying commercial, multifamily, HOA, and high-value property losses of $250,000 or more after the deductible. For Texas claims under $250,000, Claim Navigator offers separate paid advisory guidance. Availability and fees depend on the service agreement and applicable state law. New to the subject? Read what a public adjuster does. For the next steps, see the public adjuster claim process.Understanding Public Adjuster Fees
Price is what you pay, value is what you get.
How to Evaluate a Public Adjuster’s Fee
A fee percentage is only part of the decision. Ask what claim work is included, who will document the damage, how negotiations are handled, and how the contract addresses prior payments and supplements.
ICRS represents policyholders. Learn about the steps in the public adjuster claim process and review ICRS claim results. Each claim depends on its policy, facts, documentation, and applicable law; prior results do not guarantee future outcomes.
For more information on Understanding Public Adjuster Fees for Property Damage Insurance Claims, please click here.
Who Is Looking Out For YOUR Interests?
About Scott Friedson and ICRS
Scott Friedson, founder and CEO of Insurance Claim Recovery Support LLC, is a licensed public insurance adjuster focused on commercial, multifamily, and other large property insurance losses. ICRS exclusively represents policyholders.
Scott’s credentials include Texas Public Insurance Adjuster license #1632488, Haag Certified Commercial Roof Inspector #201408103, and IICRC Water Restoration Technician #229373. ICRS’s Texas agency license is #1670060. Verify current license status with the insurance department for the property’s state.
Learn about Scott Friedson’s experience · Request a large-loss claim review
This guide provides general information. Fees and services depend on the written agreement and applicable law.
Avoid unnecessary underpayments, delays, appraisal & litigation.
For a large property loss, the work behind a fee may include damage documentation, policy review, estimating, claim preparation, and settlement negotiations. Discuss the specific services and responsibilities in your written agreement.
ICRS focuses on complex commercial, multifamily, HOA, and high-value property claims. See how the claim process works.
What makes ICRS Public Adjusters different?
We have a very high number of successfully settling claims without escalating to appraisal or litigation; Our unique “Pro-Policyholder” approach to reaching fair and prompt property damage insurance claim settlements representing the interests of insured policyholders have successfully helped real estate owners avoid unnecessary litigation, appraisal, underpayments, and delays; ICRS public insurance adjusters have over a decade of commercial and multifamily experience; Haag Engineering Certified Commercial Roof Inspectors; IICRC Water Restoration Technician certification; We prepare and submit “Pro-Policyholder” claim packages to your insurer, on your behalf, with supporting facts that represent your interests, not your insurance company; Our “Pro-Policyholder” claim representation places you on equal footing with your insurance company representatives who represent your insurer’s interests, not yours; If your insurer chooses to ignore evidence that supports your “Pro-Policyholder” claim and force you to sue your insurance company, we have a network of insurance attorneys to whom we refer victims of bad faith insurance claim handling practices that typically work on contingency as well; State-licensed and bonded in Texas, Florida, Ohio, Colorado, Georgia, North Carolina, South Carolina, Nevada, Oklahoma, Pennsylvania, and Utah.
Commercial & Multifamily Insurance Claims Public Adjuster Damage Appraisal Partial Settlement Results
Previously reported ICRS claim example: a multifamily hail and wind claim in Lubbock increased from a $200,000 repair scope to an $800,000 replacement settlement. This is a claim-results example, not a fee quotation or a prediction of another policyholder’s recovery.
Review ICRS’s published claim results for additional context. Coverage, valuation, fees, and outcomes depend on each policy, claim, agreement, and applicable law.
Hail and Wind Claim Resources
For damage documentation and claim-specific guidance, visit our hail insurance claim resource. This fee guide explains compensation; the hail resource addresses storm damage, scope, and claim support.
Commercial and Multifamily Claim Resources
Complex losses can involve multiple buildings, repair scopes, code requirements, and business interruption. Explore our commercial property claim services and multifamily property claim services, then ask how the proposed agreement applies to your claim.
Related Guidance for Underpaid Claims
For more on denied or underpaid storm losses, see our hail damage claim guidance. For a general introduction, read what a public adjuster does and when to hire one.
Years Experience
Claims Settled
Hours Worked
Average Claim Amount
Request a Large-Loss Claim Review
Have a complex property loss of $250,000 or more after the deductible? Request a free claim review to find out whether your loss qualifies for ICRS contingency representation. Representation requires a written agreement and is a paid service. No Recovery, No Fee applies to qualifying contingency representation.
For Texas claims under $250,000, ask about the separate paid Claim Navigator advisory service. We respect your privacy and do not sell, trade, or rent your personal information.
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”
Frequently Asked Questions
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.
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 handling large property insurance losses generally charge contingency fees: a percentage of the insurance recovery, subject to the written agreement and applicable state law. For qualifying ICRS contingency representation, No Recovery, No Fee.
ICRS generally represents policyholders with large losses of $250,000 or more after the deductible. ICRS generally charges 10% of the insurance recovery after the deductible for qualifying large-loss claims, subject to the written agreement and applicable state law. The deductible is subtracted before calculating this fee; the fee is a separate cost paid by the policyholder.
How Much Does a Public Adjuster Cost?
Illustrative ICRS fee example
| Total covered settlement | $500,000 |
|---|---|
| Policyholder deductible | $25,000 |
| Insurance company payment | $475,000 |
| ICRS fee at 10% | $47,500 |
Calculation: ($500,000 − $25,000) × 10% = $47,500. This simplified example assumes the full covered settlement is payable except for the deductible; depreciation, limits, and other policy terms may affect actual payments.
Under Texas Insurance Code §4102.104, total public adjuster commissions may not exceed 10% of the insurance claim settlement. This legal cap is separate from ICRS’s contractual fee calculation after the deductible. Section 4102.104(b) prohibits a percentage commission on certain claims where the insurer pays or commits in writing to pay policy limits within 72 hours after the loss is reported; reasonable compensation for time and expenses may apply instead.
Supplemental claims may have different contractual fee arrangements, including treatment of prior payments and additional recovery. The written agreement and applicable state law control.
For Texas claims under $250,000, the separate, paid Claim Navigator advisory service provides guidance under its own terms. It is separate from qualifying contingency representation.
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.
