Locate a Public Adjuster Near Me

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

Big Claims Experience, Small Firm Attention

It can be said that insurance companies fear an experienced public adjuster because they know that we are experts and committed to helping policyholders fight for the best settlement amount.  So if you ask yourself is the Best Public Adjuster Near Me?  The answer is yes!


FAQ: Why locate a Public Adjuster Near Me?

A:  Insurance Claim Recovery Support (ICRS) licensed public insurance adjusters are independent, private, and licensed professional, insurance claim adjusters who only represent the interests of the insured policyholder.

  • ICRS reputable public adjusters have been in business for over 15 years. 
  • Our seasoned track record for settling complex large-loss property damage insurance claims fairly, and promptly without unnecessary litigation or appraisal is among the best in the United States.
  • We are licensed in several states including Texas, Florida, Oklahoma, Colorado, North Carolina, Utah, and others.
  • We exclusively represent your interests, the policyholder; not your insurance company.
  • Our public adjusters are among the country’s best public adjusters who specialize in large, complex commercial, multifamily, and high-value real estate property damage insurance claims including buildings, homes, roofs, schools, HOAs, religious organizations, manufacturing facilities, offices, storage, and industrial parks.
  • We are legally authorized to act on behalf of an insured to investigate, negotiate, advise, adjust, and settle a property insurance claim for losses such as fire, hurricane, hail, wind, tornado, flood, lightning, water, and any other storm-related damage under any insurance policy covering real or personal property.
  • We assist policyholders in estimating damages, inspecting the property, investigating, analyzing, documenting, interpreting policy, negotiating, preparing your claim submissions that support your position, holding insurers accountable to statutes, compelling insurers to perform, adjusting your claim settlement offer where reasonably necessary to get you the fair and prompt settlement you deserve.
  • There are many public adjusters.  Not all are the same. Watch the video below to discover what is a good public adjuster.
FAQ: What kind of claim losses do you work on?

At Insurance Claim Recovery Support LLC, our public adjusters specialize in assisting homeowners, commercial business owners, and industrial businesses with a wide range of insurance claim losses. Whether you have experienced catastrophic events such as Fire Damage, Smoke Damage, or Hail Damage, or have suffered from Water Damage caused by a Hurricane or Flood, our team is here to support you. Additionally, we are equipped to handle less common claim losses, including Vandalism Damage, Earthquake Damage, and Damage caused by frozen pipes, among others.

We understand that these damages can lead to substantial disruptions to your business operations, as well as significant losses to your contents and stock. Our experienced public insurance adjusters are licensed and trained to address these challenges and provide timely assistance during the claims process. Even in cases where you are unsure if your loss is covered by your insurance policy, we encourage you to reach out to us. Our team will assess your claim for property damage free and determine the best course of action to help you with your claim.

FAQ: How does the presence of a public adjuster make a difference in insurance claims?

A: A public adjuster can be a crucial ally when it comes to handling insurance claims. Without their assistance, you could find a public adjuster yourself dealing with an insurance adjuster assigned by the insurance company, whose primary objective is to limit the company’s losses. This can result in your claim being undervalued, delayed, or even denied.

Thousands of policyholders struggle with underpaid, delayed, and wrongfully denied claims when allowing the insurance company to handle their claim.  There is an inherent conflict of interest allowing an insurer’s representatives to negotiate a policyholder’s claim for several reasons. 

Allowing an insurer’s representatives to negotiate an insurance claim directly with a policyholder can be perceived as a conflict of interest due to several reasons:

1. Asymmetry of Power:
Insurers typically have more experience and resources in handling claims than individual policyholders. This power imbalance may put the policyholder at a disadvantage during negotiations, potentially leading to an unfair settlement.

2. Financial Interest:
Insurers have a financial interest in minimizing claim payouts to maximize their profits. This financial motivation can create a conflict between the insurer’s desire to pay as little as possible and the policyholder’s need for a fair and adequate settlement.

3. Lack of Advocacy for Policyholders:
Insurance company representatives are employed to protect the interests of the company. Allowing them to negotiate directly with policyholders may result in a lack of advocacy for the policyholder’s rights and needs. This can lead to settlements that favor the insurer rather than providing the policyholder with the coverage they are entitled to under the policy.

4. Potential for Unfair Practices:
The insurer’s representatives may use various tactics or legal language that the average policyholder may not fully understand. This could lead to misunderstandings or unintentional concessions on the part of the policyholder, resulting in an unfair outcome.

5. Ethical Concerns:
Allowing the insurer’s representatives to negotiate directly with the policyholder may raise ethical concerns, as the representatives are bound to prioritize the interests of the insurance company over those of the policyholder.

To address these concerns and maintain a fair and balanced claims process, many jurisdictions and insurance regulators have established guidelines and regulations that dictate how insurance claims should be handled. These guidelines often include provisions for third-party adjusters, appraisers, or independent professionals to ensure a more impartial assessment and negotiation process.

At  Insurance Claim Recovery Support LLC, we understand the problems faced by individuals who have been undervalued by insurance companies. Construction costs are frequently underestimated, estimating codes are misapplied, and property losses are devalued. As a result, many claims end up being undervalued, leaving policyholders with financial shortfalls.

With our extensive experience,  Insurance Claim Recovery Support LLC can make a real difference in your insurance claim. Our team specializes in handling undervalued claims ranging from 50% to 500% below their actual worth. We are well-versed in the construction industry’s intricacies, enabling us to accurately assess costs, challenge the insurance company’s estimates, and maximize your claim value.

By enlisting our help, you can rest assured that we are truly working in your best interests, with no conflicting motives. We aim to ensure that you receive the rightful compensation for your losses, bridging the gap between the insurance company’s assessments and the true value of your claim. Let  Insurance Claim Recovery Support LLC help you get your insurance claim back on track so you can move on with your life!

FAQ: Who Hires a Public Adjuster?

A:  Smart, successful, busy real estate owners and management companies of commercial and multifamily properties who know the value of having a professional representing their interests when negotiating a large loss insurance claim against a multi-billion dollar insurance company.  

We work exclusively for insured Policyholders.  

Our services are primarily utilized by individuals and businesses who have experienced a loss or damage. Whether it is a homeowner, investor, landlord, or business owner, we cater to a diverse range of clients. It is common for our clients to come from various cities and each claim we handle is unique. As a result, we understand the importance of contacting an experienced and licensed Public Adjuster, as no two claims are ever the same. Therefore, if you have a claim on file or in process, we encourage you to reach out to us for assistance.

Whether you are a Commercial or Multifamily Property Owner/ Manager, HOA, special servicer, lender or other policyholder we represent you so you can get back to business.  Contractors, Lawyers, Insurance and Real Estate Brokers routinely refer insurance claims to us in order to help ensure their clients get the maximum settlement in minimum time while avoiding unnecessary litigation or appraisals.  We settle big claims for big property owners.

FAQ: When should I hire Public Adjuster?

A: We strongly urge commercial and multifamily policyholders to engage our representation at the beginning of the claim process especially if your damages exceed $250,000.  Large loss claims are prone to disputes, it is much better if we document, meet with your insurer, negotiate, assist you in meeting your burden of proof, and assert your coverage position in real-time alongside the insurer’s representatives rather than after the insurer has made a coverage determination. 

The insurer is required to give equal consideration to the information we provide to their own.  We provide your claim-supporting documentation in real-time, our clients tend to experience a much smoother claim settlement process rather than waiting for problems or surprises to arise and then we fix them.  Our close ratio for settling large claims is well above industry averages with only a small number ever escalating to litigation or appraisal. 

When attorneys or appraisers get involved, so do time and expense.  Our motto is to get claims settled and avoid escalating matters like the plague!  We routinely reverse initially underpaid, denied, or delayed settlements every day but time is money so the best path to get back to business and minimize the risk of delays and underpayments is to engage ICRS at the beginning of a claim. 

Watch the video below to understand the benefits of hiring the right public adjuster for you and when a policyholder should consider hiring one..

FAQ: Why should I use a public adjuster?

A: After you report a claim to your insurance company, they will send an adjuster whose job is to represent the interests of their employer, your insurance company…to assess your damages.  Often their job is to document and minimize the amount of the insurance company’s payment. 

In other words, while an “independent” or “staff” adjuster’s job is to document your claim “pro-insurer”, our job is to assess and estimate damages, recommend necessary repairs, document a comprehensive “Pro-Poliyholder” claim file, and negotiate your claim “pro-policyholder” to settle your property damage insurance claim.  You wouldn’t hire the I.R.S. to prepare your tax returns so why would you allow your insurer to prepare your claim damages?

By hiring a public adjuster, you will feel more confident that your rights are protected by a professional working for you.

FAQ: What is the cost or fee for public adjuster services?

A:  The cost for our public adjusting services is based on a percentage of the claim payout, usually ranging between 10% and 30%. Our fee is determined by factors such as when we are engaged either at the beginning of a claim or to supplement an open claim, the size, nature, and complexity of the claim, which we assess during our free claim consultation

We strive to provide extensive services that result in maximum benefits for our clients. If we are unable to enhance your claim, our services will be provided to you at no cost. It’s important to note that you will not be required to make any upfront payments.

The fee charged by public adjusters is state-specific, dependent on claim size and complexity but typically 10% of the settlement, less the deductible. Supplemental claims are typically smaller settlement sizes because a partial payment was made but it was not enough to complete the scope of work you believe is required.   In these cases, a fee of 25% is typically the charged on the amount of any additional (supplemental) settlement.  In most states we work in, our fee when we are retained at the beginning of a claim does not exceed 10% of the settlement, less the deductible.

FAQ: What are the terms for hiring a public adjuster?

A:  The fee is typically on a contingency basis.  No Recovery, No Fee.   If there is no payment and/or additional supplement(s) made by your insurance company, we do not collect a fee.*    Our service fee is due in full upon receipt of any payment paid out of the gross recovery on an insurance claim by the insurance company.  Our public adjuster service fee is due in full upon receipt of payment from the insurance company.   Public adjuster fees are not paid by your insurance company.   *Contingency fees in Louisiana and Utah are prohibited, nominal fee.

FAQ: How does ICRS fight for policyholders and make it easy?

A: At Insurance Claim Recovery Support LLC (ICRS), we are committed to fighting for you and making the entire insurance claim process as easy as possible. Our team takes immense pride in assisting people like you and ensuring that you receive the maximum benefit from your insurance claims in minimum time. We are confident in our abilities, but we understand that actions speak louder than words. That’s why we urge you to give us an opportunity to demonstrate our expertise firsthand. 

When it comes to expediting the claims process, we leave no stone unturned. From the moment we receive your claim, we employ a comprehensive approach that includes meticulous review, detailed cataloging, precise estimation, and thorough forensic analysis. Rest assured, every aspect of your claim will be carefully examined to ensure that you receive the most favorable outcome.

Furthermore, we go above and beyond by offering additional services to make this challenging time more manageable for you. If necessary, we can facilitate your relocation to a safe place, providing you with the peace of mind you deserve. Our team understands the urgency of your situation, which is why we act swiftly to get the ball rolling promptly.

What truly sets us apart is our extensive experience in handling insurance claims. With over 25 years of combined expertise, we have encountered a wide range of challenges and successfully guided our clients towards full recovery. This wealth of knowledge enables us to navigate the complexities of the claims process efficiently, ensuring that you can get back on your feet as quickly as possible.

In summary, we are dedicated to fighting on your behalf and simplifying the entire process for you. Our comprehensive approach, additional services, and decades of experience set us apart as the ideal choice to handle your insurance claims. Give us the opportunity to assist you, and we will demonstrate our commitment to your well-being.”

FAQ: Why should anyone hire a public insurance adjuster?

A: While insurance companies seek maximum profits the adjusters that they employ are frequently overworked and underpaid. Many company adjusters will not have the time to determine everything that you are entitled to. In addition adjusters in the direct employment of an insurance company have as part of their compensation strong encouragement to save money whenever possible. A good public adjuster works diligently to prepare and present your claim to the insurance company and is not influenced by any conflict of interest.

FAQ: If I read my policy, will I know my rights?

A: Even if you read your policy from cover to cover, you will not know how the insurance company interprets and applies the numerous and lengthy clauses and endorsements to the policy. Policies are insurance contracts that may contain ambiguous terms, conditions, exclusions, benefits, and duties. 

With a good public adjuster protecting your best interests, you can rest assured that the policy will be professionally interpreted and explained to you. In addition, there are laws and statutes that apply to the insurance industry that you may not be aware of. These are things that a public adjuster will be equipped to handle because they work in the field every day.

FAQ: Do you have 10 Best Tips for Hiring a Public Insurance Adjuster?
FAQ: Should I ask a public adjuster for references before hiring them?

A:   Before hiring a public adjuster, it is advisable to inquire about references. If you are unable to find reviews online, consider asking the public adjuster for references. Contacting past clients to gain insights into their experiences can help you determine if the public adjuster is the right fit for your needs. References can provide valuable information about the adjuster’s professionalism, communication skills, and the overall quality of their work. By seeking references, you can make a more informed decision when choosing a public adjuster to represent you in your insurance claim process. 

FAQ: How can I find and hire a public adjuster near me, and what should I look for in a good public adjuster?

A:  Finding and hiring a public adjuster near you and has extensive experience with your particular property damage situation requires careful consideration, as this industry is specialized and varies in quality. In some states, public adjusters are not required to have licenses, while others have strict licensing standards. For policyholders seeking a public adjuster, it can be challenging to distinguish between reliable professionals and those who may not have the necessary qualifications. After a disaster, public adjusters may approach policyholders with enticing promises, making it difficult to discern their credibility. It is crucial to look for public adjusters with the appropriate licenses, certifications, and qualifications.

 Insurance Claim Recovery Support (ICRS) public adjusters offers a network of highly qualified and experienced public adjusters covering various specializations within the field. Whether your claim involves damage from hail, fire, flood, business losses, windstorms, or any other type of disaster, ICRS can connect you with a suitable public adjuster in your local area. By leveraging ICRS expertise, you can ensure that you find a public adjuster with the specific experience and skills necessary to handle your unique case effectively.

FAQ: Why shouldn’t I let my contractor negotiate my insurance claim?

A: State law in most of the U.S. don’t allow contractors to negotiate insurance claims.  Texas Insurance Code §4102.163 prohibits a roofing contractor from acting as a public adjuster or advertising to adjust claims for any property for which the contractor is providing or may provide roofing services, regardless of whether the contractor holds a license under this chapter.

Contractors can provide estimates and discussing estimates or other technical information with an insurer or its adjuster.  While roofers and construction contractors can still provide valuable services both in identifying physical damage and building failures and in completing construction projects, when it comes to insurance claim negotiation and coverage evaluation, Texas law is clear and insurer’s adjusters know the law so it’s best to leave settling claims to the licensed professionals at ICRS.

UPPA laws were first introduced in Texas in 2013 and became part of the Texas Insurance Code under section 4102.163. However, the statue was only aimed at “roofing contractors” and wasn’t specific enough to include any other type of contractor in the state. Over the past few years, UPPA has expanded into several other trades outside of roofing – particularly water remediation and flooding. In an effort to protect policyholders, the Texas legislature has expanded UPPA using HB2103.

HB2103 deletes the word “roofing” from the statue – now includes all contractors new language is added to the statute clarifying that a contractor cannot use an assignment of benefits or power of attorney form.

FAQ: What are some important factors to consider when hiring a public adjuster?

A:  When considering hiring a public adjuster, it’s essential to take into account various factors that can impact your claims process. One crucial aspect to bear in mind is the compensation structure of public adjusters, as they typically operate on a contingency fee basis. This means they receive payment only if they successfully recover a settlement for you, usually as a percentage of the total settlement amount. It’s also important to understand the distinction between public adjusters and insurance company adjusters – public adjusters work independently on your behalf, striving to secure a fair and timely settlement. While insurance agents and brokers can provide guidance, public adjusters bring specialized expertise in handling complex claims, making them particularly valuable when facing unsatisfactory settlement offers or disputes over the extent of damages.

FAQ: How can I ensure that a public adjuster I hire is legitimate and trustworthy?

A:  To ensure that the public adjuster you hire is legitimate and trustworthy, it is crucial to verify their credentials and reputation. In addition to checking for licensed and experienced public adjusters with a proven track record of successfully settling complex property damage insurance claims, consider looking into their industry memberships that showcase their dedication to professionalism and ethical practices. It is also beneficial to read client testimonials, reviews, and seek referrals to gauge the adjuster’s credibility and reliability. Remember, a legitimate public adjuster will always prioritize your interests as the policyholder and work diligently to secure a fair and prompt settlement for your insurance claim.

FAQ: What are the benefits of hiring a public insurance adjuster and should I consider hiring one?

A: After you report a claim to your insurance company, they will send an adjuster whose job is to represent the interests of their employer, and your insurance company to assess your damages. Often their job is to document and minimize the amount of the insurance company’s payment.

In other words, while an independent or staff adjuster’s job is to document your claim pro-insurer, our job is to assess and estimate damages, recommend necessary repairs, document a comprehensive Pro-Poliyholder claim file, and negotiate your claim pro-policyholder to settle your property damage insurance claim fairly and promptly. After all, you wouldn’t hire the I.R.S. to prepare your tax returns so why would you allow your insurer to prepare your claim damages?

By hiring a public adjuster, you will feel more confident that your rights are protected by a professional working for you. It’s important to understand that settling an insurance claim can be complex and overwhelming, especially if you’re not familiar with the insurance industry’s intricacies. Public adjusters, also known as private insurance adjusters, specialize in handling insurance claims on behalf of policyholders like you. Their expertise allows them to navigate the claims process efficiently, ensuring that you receive the maximum compensation entitled to you under your insurance contract terms.

Choosing the right public adjuster is crucial, as hiring the wrong one can potentially jeopardize the outcome of your claim. A qualified and licensed public adjuster can represent your best interests, advocate on your behalf, and help you secure the compensation you deserve. Many policyholders find that hiring a public adjuster alleviates the stress and confusion typically associated with insurance claims, providing a sense of relief and assurance throughout the process

FAQ: How do engineers contribute to the work of ICRS public adjusters?

A: Engineers can play a crucial role in assisting ICRS Public Adjusters in their work. Firstly, they provide invaluable expertise in developing comprehensive structural evaluation and expert damage opinions. 

In addition to their involvement in assessment, to optimize the credibility of your insurance claim, reduce delays, help support the scope and value of insurance claims as well as level the playing field when insurer’s retain their experts to form opinions.   By utilizing engineers with the technical knowledge, to can accurately assess the extent of damage that helps meet policyholder’s burden of proof, this collaboration helps ensure that the claims are properly supported, values are maximized, and delays are minimized.

FAQ: Who is documenting my claim and interpreting policy on my behalf?

A: Your insurance company’s adjuster works on behalf of the insurance company, not policyholders.  Public adjusters licensed by state departments of insurance are the only type of claims adjuster that can

  1. Legally interpret policy;
  2. Negotiate insurance settlements;
  3. Represent the rights of an insured.

Policyholders, Attorneys, and the Insurance broker of record also have the authority to settle insurance claims.  Insurance agents are typically not experts in documenting and settling property damage insurance claims.

FAQ: How long does it take to settle a claim?

A: Small claims might take only a few days. Large fire, hail, wind, or water loss claims can take between 60 and 120 days to process. The length of time needed is based on the size and complexity of the damaged property claim.

Insurance Claim Recovery Support understands the sense of urgency you feel and the desire you have to quickly resume your daily life. We will do everything in our power to ensure your claim is processed quickly and efficiently, while at the same time maximizing your claim benefits.  Larger claims can take 3 months to 2 years to completely settle depending on complexity, reconstruction progress, as well as the cooperation of both the insurer and policyholder. 

However, multiple payments may be issued during different stages throughout the claim process as the total cost to replace damages may increase due to changes in the scope of work as repairs progress.  These may include but not limited to items that could not be seen at the time of the loss and code upgrades.

Q: Can I handle my own claim?

A: Yes, anyone can try to prepare a claim, but not everyone is equipped to do so. The public adjuster will have access to the tools and software needed to handle your claim. The Public Adjuster stands on an equal footing with the insurance company when it comes to the handling, preparation, and presentation of your claim.

FAQ: Does every claim warrant the use of a public adjuster?

A: No. If you suffered a loss and you are comfortable handling the claim yourself and/or are satisfied with your treatment and settlement that your insurance carrier has paid you would not need a public adjuster.

FAQ: What is ICRS’s Services Area?

A: Currently Adjusting Commercial and Multifamily Property Damage Insurance Claims for Policyholders in Texas, Florida, Nevada, Kentucky, Oklahoma, Ohio, Colorado, Utah, North Carolina, Pennsylvania, South Carolina and Georgia.

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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.

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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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