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Insurance Claim Recovery Support LLC (ICRS) is a leading public insurance adjusting firm who specializes in settling commercial property damage insurance claims solely on the behalf the insured policyholder (property owners, managers and lenders) NOT the insurance company on property damaged by fire, hail, wind loss, pipe bursts, hurricanes, tornadoes, flood, collapse, vandalism, business interruption and other property disasters.
Public Insurance Adjusters are the only type of insurance claims adjusters who can legally represent the rights of an insured during an insurance claim process.
Insurance Claim Recovery Support (ICRS) is a leading licensed public insurance adjusting firm that specializes in documenting, negotiating and settling large commercial property losses solely on the behalf of YOU, the insured policyholder (property owners, managers and lenders) not the insurance company.
We exclusively represent the policyholder’s interests, NOT the insurance company. You gain the competitive advantage of having a claim advocate who levels the playing field with your insurance company RISK FREE!Property owners and managers receive a great deal of value and several advantages by employing a public insurance adjuster to represent your interests when you suffer a loss that your insurance company probably won’t tell you about, including…
- Reduce time and stress dealing with your insurance claim
- Assurance your claim file is well documented, comprehensive and timely “pro-policyholder”.
- We estimate the full scope of your damage for maximum recovery allowable under your policy coverage.
- Any areas of your policy “open to interpretation” will be negotiated “pro-policy holder”.
- You get a claim advocate to help guide you through your policyholder rights.
- You get the maximum settlement you deserve in the shortest amount of time.
- We provide the knowledge and expert resources you need to get the fair settlement you deserve.
- We eliminate the burden, time and stress of you having to deal with your insurance company
- You have nothing to lose and everything to gain with our “No Risk Offer – No Recovery, No Fee“
What is a public insurance adjuster? (click link to watch video)
Fact: It is up to you, the insured, to present your claim to the insurance company to settle. They have their teams of experts, shouldn’t you have yours? Documentation and policy interpretation by a licensed expert engaged as your advocate is the key to a successful claim recovery.
The insurance settlement process can be complex and can wear out even the most vigilant policy owners. In many cases, if you aren’t represented by a licensed public insurance adjuster or have light documentation in your claim file, you could settle for much less than you may rightfully be entitled and the process could take longer time during a period when time is of the essence in your financial recovery.
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Appraisal May Be The Best Strategy For Your Underpaid Insurance Claim Before Filing a Lawsuit
Insurance Claim Damage Appraisal, Breach of Contract and Bad Faith: Is There a Connection?
An insured may assert a bad faith claim even when the carrier has made timely payments of an Insurance Claim Damage Appraisal award.
Texas bad faith law has always been that there is no bad faith where a carrier has not breached its duties to the insured. If an insurance company acts reasonably and makes a mistake, it is not bad faith. In almost all circumstances, bad faith entails a breach by the carrier of its duties under the policy’s terms and conditions or, in other words, a breach of contract.
This long established understanding has recently become suspect as there has been at least one occasion where a court interpreting Texas insurance law has suggested that an insured may assert a bad faith claim even when the carrier has made timely payments of an Insurance Claim Damage Appraisal Award.
Specifically, the court ruled that a bad faith claim can survive in the absence of a finding of a breach of contract in at least three separate circumstances…
1st, an insured may prove that a carrier denied or delayed the payment of the insured’s claim when it knew or should have known that it was reasonably clear that the claim was covered.
2nd, an insured may sue under the Texas Insurance Code as well as Deceptive Trade Practices Act to establish that the insurer unduly delayed payment of its claim after liability was reasonably clear.
And 3rd, the insured may demonstrate that the insurer committed some extreme acts that caused injury to the insured independent of the policy claim.
In a ruling for Hartford on the breach of contract issue, the court reconfirmed that an insured may not use the difference between the amount originally paid by the carrier and the subsequent appraisal award as evidence of breach of contract.
However, the court did allow the bad faith claim to proceed citing the three exceptions to the general rule identified above. In other words, the court held that the insured could develop evidence to create a fact issue as to whether any one of these three potential exceptions were met so as to allow a bad faith finding even though the carrier had acted properly under the policy terms. This means that a carrier can act in complete accordance with the appraisal clause and still run a risk of bad faith.
Insurance Claim Recovery Support has always encouraged policyholders exercise their right to an Insurance Claim Damage Appraisal when applicable in the claim process and use our experienced appraisers where applicable. Exhausting all policy provisions before filing a lengthy and expensive lawsuit is prudent and reasonable. This business decision is one that every policyholder needs to make for themselves but it is strongly recommended that the insured policyholder explore all possibilities available to them before taking further action on a claim that may have been underpaid, delayed or denied.
Superstorm Sandy victims say they’ve been denied insurance. Should they be getting payouts? CNN’s Deb Feyerick reports. Watch video http://cnn.com/video/data/2.0/video/us/2012/11/27/tsr-pkg-feyerick-sandy-insurance-claims.cnn.html
Property and business owners are still dealing with the aftermath of Hurricane Isaac insurance claims in New Orleans, Metairie, Baton Rouge, Shreveport, Lafayatte and surrounding areas of Louisiana.
Most insurance claims in the United States are grossly underpaid. In some cases, policyholders may choose to work with a public adjuster.
Hurricane Isaac caused wind damage that could reach $1-2 billion. Read More
