Does insurance cover property damaged by fallen tree in the ice storm? Most policies DO pay for damages from falling objects, like trees.
Many policies provide some coverage to remove trees or limbs that fell due to storm damage and damage to your house or business. Trees and limbs falling in your yard usually aren’t covered.
If you can’t stay in your home because of damage covered by your policy, your homeowners’ or renters’policy may pay for a hotel or rental.
Here’s what you should do to file an insurance claim.
1. Determine if the cost to repair or replace property covered by your policy is more than your deductible. If yes, file a claim with your insurer or agent promptly.
2. Document, photograph, and make a list of all the damaged property.
3. Make temporary repairs where you need to.
4. Save your receipts for reimbursement. Your policy should cover materials and labor used to make repairs.
5. If you need help settling your claim fairly and promptly contact ICRS public adjusters.

Home and business policyholders dealing with wind damage insurance claims may find themselves battling their insurer on whether a named storm deductible applies due to Hurricane Ian or just a wind deductible applied due to a tornado that occurred before the hurricane.  If wind damage existed before the September 28, 2023 Hurricane occurrence, be sure to tell your insurer.

On January 18th, 2022, National Weather Service has updated the track for an EF2 tornado that hit Lee County, and an additional tornado was confirmed in Charlotte County.

The track is confirmed to be 7.9 miles and lasted for 16 minutes.  The tornado that caused extensive damage in Iona also went through Gulf Harbour and crossed the Cape Coral Bridge. In all, there were five tornados.



If you aren’t getting the property damage insurance claim settlement you deserve, don’t fully understand the policy language, coverage, benefits, exclusions, or terms. Or, if you don’t have time to deal with the insurance claims process. Or if your insurance company is not reasonably responding to your requests, or if you feel your insurer is not correctly evaluating your claim.

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 typcially 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. Learn how we help settle property damage insurance claims fairly & promptly for policyholders at

What is a good public adjuster? How do you qualify a good public insurance adjuster from a bad one?

Searching for public adjusters near me? A public adjuster is an independent insurance professional that a policyholder may hire to help settle an insurance claim on his or her behalf. How do you know a good public insurance adjuster versus a bad one? This podcast gives some qualification questions that every policyholder should ask a public insurance adjuster before hiring them to represent you in settling your property damage insurance claim. Many policyholders don’t know about public adjusters. Assuming your insurance company will settle your claim fairly and promptly on your behalf can result in financial disaster. Policyholders seeking professional, licensed representation to handle their property damage insurance claim following a hail storm, hurricane, fire, or other disaster researching “what is a public adjuster”, may come across an overwhelming amount of information. Finding and hiring an expert public adjuster near you who is trustworthy, credible, and experienced can be a challenge. Understanding what a public adjuster does and if you should hire one can depend on several variables including the state your property is located, deductible, amount of damage, when the damage occurred, and whether your insurer has wrongfully denied your claim or acted in bad faith. If you hire a public adjuster, the sooner in the claim process, the better.

Bonus question: Have you ever worked directly or indirectly for an insurer while licensed as a public adjuster? We exclusively represent policyholders so you know there’s never any conflict of interest.

Disgraced insurance commissioner receives 7-year jail sentence! Georgia’s former insurance commissioner, will spend more than seven years in prison for his role in a $2.5 million fraud scheme as a federal judge lambasted him for lying from the stand during his July trial. Jurors convicted on 37 counts of wire fraud, mail fraud, money laundering, and tax fraud Full story >>

Every policyholder needs an advocate.  Insurance Claim Recovery Support is the trusted commercial public insurance adjusting firm who exclusively represents policyholders. Get professional help today at


What the 5th Circuit Ruling Means for Your Claim Recovery Efforts


Texas policyholders don’t have to prove that their insurer acted in bad faith in order to collect 18% interest on late claim payments, a recent decision by the 5th circuit Court of Appeals.

A Houston plaintiff’s attorney defeated State Farm Lloyd’s for the fourth time on the same issue, this time coming away with a federal appellate court ruling that policyholders don’t have to prove that their insurer acted in bad faith in order to collect 18% interest on late claim payments.

The Texas Supreme Court ruled essentially the same way last year in another lawsuit, but Wednesday’s decision by the 5th Circuit Court of Appeals “puts a fine point” on the precedent, clarifying that interest is owed starting from the date a final ruling is issued, said attorney Joshua P. Davis.

Davis said the lawsuit he filed on behalf of San Antonio homeowners Jesus and Margaret Agredano marked the fourth time he has taken State Farm to court seeking penalties under the Texas Prompt Payment of Claims Act, or TPPCA.

Many Signing Texas Insurance Documents“We did fairly well for ourselves and hopefully they will finally get the picture,” Davis said Thursday.

The Agredanos filed a claim with State Farm seeking repairs to the roof of their ranch-style home in northeast San Antonio, which had been damaged by hail on Aug. 11, 2014. State Farm gauged the damage at $615.17, well below the amount of the deductible on the policy.

The Agredanos hired a public adjuster who estimated the damage would cost $45,270.33 to repair. The also hired Davis, who wrote a demand letter seeking $83,084.51. In addition to the cost of the repairs, Davis threw in $5,000 for mental anguish, court costs, attorney fees and 18% interest for State Farm’s alleged late payment of a valid claim. When State Farm refused to pay, the Agredanos filed a lawsuit, which was removed to the U.S. District Court for Western Texas in San Antonio.

At trial, Davis said he submitted a “more reasonable” damage estimate of $13,661. He acknowledged that public adjuster estimates can be “expansive.” The jury awarded Agredanos that amount after a trial.

Click here to read the full article.

File a complaint against your insurance company

Have a dispute with your insurance company? Fed up?  Ready to take action? File a Complaint at Your State’s Department of Insurance.

Include chronology of the claim, evidence that supports damages, photos, invoices, correspondence, insurance company representatives names and departments to whom you spoke, policy language you are relying in, applicable statute violations and what you want the department to resolve.

As an insurance customer, you are entitled to the best service possible. Unfortunately, there are many companies out there that don’t provide the level of service they should be. When this happens, it can be difficult to get what you need. You’re not the only one who has had a bad experience with your insurance company. In fact, according to data from The National Association of Insurance Commissioners (NAIC), among the top 10 insurance providers in the nation, nearly 1 in 5 consumers have filed an official complaint against their insurer.

Insurance companies are required by law to respond to complaints submitted against them. And when they don’t- or if their response isn’t satisfactory- it’s time to take matters into your own hands!

Find out the number of confirmed complaints an insurer has received, see the financial data reported to the National Association of Insurance Commissioners using the link below!

Insurance Claim Recovery Support is the leading insurance claim service provider in North America. We are here to help you with your dispute against your insurance company. Contact us today, and we will take care of all the hard work for you!

Matching is one of the most difficult issues to handle within the world of property insurance. For example, if after a hail storm, part of the owner’s siding is damaged, and their siding company no longer carries the existing siding, what is one to do? Should the entire property’s siding be replaced or is it acceptable for the siding company to simply repair the damage with “material of like kind and quality” or with “similar material.”

In the world of property insurance, there are many cases that lead to difficult decisions. One such case is matching statutes. Matching statutes refer to a situation in which some part of a structure’s siding was damaged and the company no longer carries that particular type of siding. What should the owner do? Should they replace all their siding or just repair it with a similar material? In this blog post, we will examine Texas’s law on how to handle these types of situations.

What is one to do when their property’s siding company no longer carries the existing siding? Should the entire property’s siding be replaced or is it acceptable for the siding company to simply repair the damage with “material of like kind and quality” or with “similar material”. This blog post will explore matching statutes in Texas.

Matching is one of the most difficult issues to handle within the world of property insurance. For example, if after a hail storm, part
of the owner’s siding is damaged, and their siding company no longer carries the existing siding, what is one to do? Should the entire property’s siding be replaced or is it acceptable for the siding company to simply repair the damage with “material of like kind and quality” or with “similar material.”

The Matching requirements for Texas are as follows; “Parol evidence rule. If a contract is ambiguous, extrinsic evidence may be relied upon to construe it.”

To read the Matching Statues for each state, click HERE.

Have additional questions regarding the Texas Matching Statutes? Contact Us Today!

Read the full article here.