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WE GET BIG CLAIMS SETTLED

When Should a Policyholder Hire a Public Adjuster?

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.

 

THE PUBLIC INSURANCE ADJUSTERS EXCLUSIVELY FOR COMMERCIAL & MULTIFAMILY POLICYHOLDERS

The Right Time to Hire an ICRS Public Adjuster
 
Aren’t getting the property damage insurance claim settlement you deserve?Delayed?
Don’t fully understand the policy language, coverage, benefits, exclusions, or terms?Underpaid?
Don’t have time to deal with the insurance claims process?Wrongfully Denied?
Are not getting reasonable responses from your insurance company?Feeling ignored?

Far too many insurance companies are masters at delaying, underpaying, omitting legitimate damages, seeking exclusions,  ignoring facts, and sometimes even break the law.  The truth is, if you seek the maximum settlement you deserve with minimum time delays and stress, you may want to consider hiring an ICRS public adjuster to negotiate your insurance claim at the beginning, when a dispute arises, or to supplement a claim as a non-litigious option to settle a property damage insurance claim.

Engaging a good public adjuster at the beginning of a claim is the best time. Especially if the claim is a partial loss, large or complex. The reason why is that insurers are required to give consideration to any evidence which supports the policyholder’s interests equal to their own in the spirit of acting in good faith. Unrepresented policyholders who don’t have anyone representing their interests run risks of poor documentation, misunderstanding of policy terms and claims submissions, improper inspections, delays, underpayments, financial stress, errors, omissions, bad faith tactics, and improper claims-handling practices.

Reasonably preventing property from further damage as well as performing a “timely and thorough investigation” of claims is an absolute MUST for a policyholder. Getting a prompt and fair settlement versus delays, underpayments, controversy, adversity, and unnecessary litigation can be achieved by hiring a professional public adjuster at the beginning of a claim to get fairly indemnified. Good, experienced public adjusters will assist policyholders to navigate the insurance claim process from mitigation efforts to the recovery of withheld depreciation.

Public insurance adjusters are essentially policyholder advocates who act as private, independent, licensed, bonded, and professional claims adjusters that settle property damage insurance claims exclusively on behalf of the insured. They work solely on behalf of policyholders. Individuals and businesses hire these licensed professionals when they need help filing a claim or if they believe a claim amount offered by their insurance company was incorrect.

Public adjusters can file and negotiate claims for flood, fire, smoke, wind, and hurricane damage, as well as damage due to other perils, and loss of business income caused by property damage. They are legally authorized to act on behalf of an insured policyholder.   Practices, responsibilities, and duties of a public adjuster include:

  1. Review policy language – some coverages and exclusions are open to interpretation.  Analysis of conditions and knowledge of the terms of your indemnity contract are key.
  2. Assist the policyholder in meeting their burden of proof of claimed property damages.
  3. Perform a Timely and Proper Investigation – Inspect and assess physical damages.
  4. Match up losses with the appropriate property coverages for a fair settlement demand.
  5. Review and respond to carrier correspondence addressing any omissions, misrepresentations, wrongful denials, violations of policy, and violations of insurance code statutes.
  6. Compile and Submit a Pro-Policyholder Claim Package to your insurer with supporting evidence that documents your damages, the estimated scope of work, estimated costs, occurrence data, 3rd party reports, photos, news stories, policy language, statutes, bulletins, proper forms and present a proof of loss.
  7. Incorporate reasonable arguments to trigger coverage under your insurance policy and in compliance with the insurance code statutes of your state.
  8. Proactively remove objections, roadblocks, and wrongful withholding of coverages.
  9. Expose the insurer’s liabilities and potential violations of the statutory insurance codes.
  10.  Reasonably argue with a credible degree of certainty any questionable allegations of an insurer’s view for underpayment, delays, or wrongful denial of your property damage insurance claim.
  11. Negotiate a fair and prompt settlement.
  12. Prepare, complete, and/or file a complaint to the state department of insurance on your behalf.
  13. Refer legal counsel, expert engineers, hygienists, or other professionals when necessary.
  14. Avoid unnecessary litigation and appraisal.

Multifamily, Apartment and Commercial business policyholders who engage Insurance Claim Recovery Support LLC public adjusters have vastly benefited from the outcome of the claim settlement we deliver as a result of our pro-policyholder representation. We work on contingency and often policyholders actually save a lot of time and pay the same fee by hiring us at the beginning of a claim rather than waiting for problems.

Multifamily Claims

Hire a public adjuster, When Should a Policyholder Hire a Public Insurance Adjuster?

Apartment owners, homeowners associations, condominiums, townhomes and multifamily management companies have been our core business for years.  The single best way to protect your property, rights, retain tenants and get back to normal operations is with ICRS on your side to settle your property damage and business interruption insurance claims.  Get a FREE claim evaluation.

Commercial Claims

Hire a public adjuster, When Should a Policyholder Hire a Public Insurance Adjuster?

When your office, retail center, school, place of worship, hotel, restaurant, convention center, storage, industrial, manufacturing facility or other commercial property gets damaged, our experienced public adjusters help get you back in business, quickly.  We’ll review all aspects of your insurance policy and help you get the maximum settlement you deserve in minimum time! Get started by scheduling a FREE consultation.

Business Interruption Claims

Hire a public adjuster, When Should a Policyholder Hire a Public Insurance Adjuster?

The policy language for business interruption claims can be subjective.  Save time and stress playing claim games!  If a loss of business income insurance claim isn’t adjusted properly and promptly, it can have a drastic effect on your company. Our Public Adjusters work exclusively on your behalf to document and negotiate the settlement you deserve with your insurance company.  Start your business interruption claim now.

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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?

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”

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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”

ICRS provided superior support and documentation, which was invaluable in proving the extent of roof damage that was sustained from a major hail storm that struck the Chico Community. A great professional service that advocates for their clients.
Mike J.
Texas
Insurance Claim Recovery Support settled my claim for top dollar in just 40 days after a hail claim on my apartment complex was flat out denied. ICRS completely reversed the carrier’s position!
Richard N.
Texas
Our company suffered severe hail and wind damage to two large apartment complexes in San Antonio, TX. We would have lost out on our insurance claim without the help of ICRS.
Ted J.
Texas
FAQs

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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