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How To Settle Property Damage Insurance Claims

The public adjusters exclusively for commercial and multi-family policyholders.
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Insurance Claim Experts

Big Claims Experience, Small Firm Attention

Get your property damage insurance claim settled with help from Insurance Claim Recovery Support Public Insurance Adjusters, the policyholder advocates that Commercial & Multifamily business owners trust.


What Policyholders Need To Know About Insurance Claims

Most large loss property damage insurance claims need a good public adjuster who works for you, not the insurance company.  Our licensed public adjusters are committed to helping Policyholders understand the claims process.  Our reasonable approach in assisting policyholders to navigate the claims process, and deal with challenging independent adjusters’ roles, as well as understanding your insurance coverage, are paramount in order to be promptly and fairly indemnified by your insurer.

Policyholders leverage our invaluable years of experience, reputation, competency, factual work product, aggressive accountability, ethical good faith claim handling practices, and solution-oriented negotiation style to systematically settle claims fairly and prompt for policyholders. How To Settle Property Damage Insurance Claims

  • Mitigate damages

  • Prompt notice
  • Documentation
  • Credible evidence of damages
  • Estimate of repairs
  • Reasonable scope of work
  • Reasonable repair costs
  • Comply with policy
  • Reasonable requests for information
  • Timelines and background of events
  • Manage Risk
  • Don’t threaten to sue unless you really will
  • No conflicts of interest
  • Preserve property
  • Present Pro-Policyholder Evidence
  • Avoid unnecessary litigation
  • Expert Reports
  • Expose Insurer Liability
  • Assert policy & statutes rights
  • Make Demands for Payment
  • Negotiate settlement
  • Be reasonable
  • Don’t be bullied, ignored or give up
  • Demand honest & ethical treatment
  • Hire ICRS public adjusters
Promises, Promises, Promises

Promises of good faith claims handling and outstanding customer service are pledges often made by insurance companies.  Sadly, the reality of the policy sold in relation to this goal is often lacking. Property insurance companies today compete against each other in an oligopoly that creates an incentive for some insurers to cheat in their claims handling practices.

Bad faith jury verdicts of improper claims-handling practices fuel policyholder distrust, uncertainty, loss of control, and massive financial stress.  Even the Supreme Court of Texas has been quoted saying, “the insurance claim process is inherently adversarial. The adversarial process begins as soon as a claim is filed and ends only when the resolution of the claim is finally determined and accepted by the parties.” Barbara Techs. Corp. v. State Farm Lloyds

Truth, Facts, Duties

The truth is, policyholders carry the burden of proof while insurers have a duty to perform a good faith claims investigation.   Therein lies the rub.  Adjusting insurance claims have an inherent conflict of interest built into the process.  The insurance company and its representatives represent the insurer’s interests, not the policyholders.   Insurance companies also typically have both shareholders and policyholders. 

property damage insurance claims, How To Settle Property Damage Insurance Claims

Commercial, Multifamily and High-Value Residential Real Estate owners trust ICRS public insurance adjusters to settle commercial insurance claims
    • Are you looking for the single best way to get the Insurance Claim Settlement You Deserve Fairly and Promptly?
    • Is your property damage insurance claim from Hail, Fire, Wind, Water or Business Interruption underpaid and delayed costing you time, money and stress?
    • Need a strategic approach to recovering from a large property damage insurance claim?

    You can hope or you can plan, either way, your real estate assets are always at risk of being damaged and your insurance company’s representatives are coming to adjust your claim….their way.

    Property owners trust Insurance Claim Recovery Support to represent their interests pro-policyholder to get the settlement they deserve.

    • Over $200M Claim Settlements;
    • The fastest way to fairly and promptly settle insurance claims;
    • Licensed Public Insurance Adjusters who exclusively represent policyholders for over 10 years;
    • Avoid underpaid and delayed settlements;
    • Avoid unnecessary litigation;
    • Avoid unnecessary appraisal;
    • Routinely increase claims from 30% to infinite returns by overturning wrongfully denied claims.

    Busy commercial building owners don’t have time or expertise to deal with large and complex property damage insurance claims… let the professional public adjusters at Insurance Claim Recovery Support get you the maximum settlement you deserve in minimum time!

Our philosophy is simple, get a fair and prompt settlement while avoiding unnecessary litigation and appraisal.

Many Policyholders feel the same way.  Insurance companies are masters at pontificating the belief that you’ll be covered under your policy but when dealing with insurance claim disputes that lead to underpayments or delays, most policyholders are unaware that they have options, rights and remedies to settling property damage insurance claims by working with an ethical public insurance adjuster like ICRS. 

Many policyholders have certainly felt the urge to hire an attorney, file a lawsuit to sue their insurance company, go through subpoenas, depositions, discovery, mediation and court when they are convinced their insurer has acted in bad faith. 

What many policyholders have found is that the legal process takes a lot of time, and adds stress. 

Our clients share the view opinion that the best course of action in settling a claim is to engage ICRS, public insurance adjusters, at the beginning of a claim, present evidence that supports the policyholder’s position, comply with policy terms, assert relevant statutory insurance codes, expert opinions, department of insurance bulletins, evidence of damage, evidence of occurrence, make a demand for payment to the insurance company and negotiate a fair settlement that is approved by you, the policyholder.  

If a policyholder has exhausted all reasonable and necessary efforts to avoid unnecessary litigation to settle a claim and is forced to sue after making reasonable efforts to settle an insurance claim dispute with supporting evidence, documentation and presenting a valid argument for coverage, then we have multiple experienced attorneys who typically also work on contingency we are happy to refer some of the best property damage insurance attorneys is the nation.   

Our claim package submissions are built in a fashion that reasonably supports the documentation requirements as evidence for the policyholder’s claim if a lawsuit were filed by the insured due to an ongoing dispute or impasse. 

ICRS public adjusters’ Pro-Policyholder claim submissions are included in any potential litigation and further demonstrate the length that you, the policyholder went to avoid litigation. 

The smart and proactive choice is to retain the experienced Licensed Public Insurance Adjusters at ICRS who specialize in settling large loss insurance claims representing only policyholders before there is a problem or at the first sign there is an issue.

Settling Property Damage Insurance Claims the Hard Way!

If you need help on a claim, or you are not totally comfortable with what needs to be done, ask for help!  It’s better to recuse yourself than do harm through ignorance.

Unfair Claim Settlement Practices

Every state’s insurance department has made an effort to prohibit unfair insurance practices and protect the interests of consumers. What is considered fair or unfair claims practice is regulated by all states in which claims practices are deployed. The national program of regulation is known as the National Unfair Claim Settlement Practices Act, and every state has its own version.

Most state insurance law prohibits some very general behaviors or practices; yet these behaviors can result in very significant penalties if a carrier or adjuster engages in them:

  • failing to act promptly;
  • denying claims without conducting a reasonable investigation;
  • failing to give an insured/claimant a response (i.e. agree to pay or deny) to a claim;
  • failing to explain a denial in writing.

You wouldn’t think that complying with these requirements would be that difficult, yet you would be surprised how many don’t. 

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Risk-Free Loss Recovery Offer

Get a complimentary consultation on your damage insurance claim.  We are 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 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 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”

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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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