A public insurance adjuster works for you, the policyholder—not the insurance company. ICRS exclusively represents commercial and multifamily property owners to document, present, and negotiate large loss property damage claims. Unlike insurer-employed adjusters, we advocate only for your best interest to help ensure you receive a fair and full insurance settlement.

If your commercial or multi-family property has been damaged, taking the right steps immediately can protect your claim and maximize your settlement.

Understand Your Policy Obligations

Your insurance policy outlines specific duties you must fulfill after a hail loss, including documenting damage, preventing further loss, and filing your claim promptly.

Act Quickly to Minimize Risk & Liability

Delays in addressing damage can lead to increased repair costs and insurance disputes. Moisture intrusion, structural weakening, and further exposure can jeopardize your claim.

Don’t Let the Insurance Company Dictate Your Settlement

Insurance carriers may undervalue, delay, or deny claims. If you're not getting the answers you need, seek professional claim assistance to ensure you receive the full payout you’re owed.

Get Expert Help Now

Our large-loss public adjusters specialize help policyholders navigate complex insurance policies and recover maximum settlement you deserve. Schedule Your Free Claim Review Today.

Navigating a large commercial property insurance claim is complex. Most property managers and management companies simply don't have the expertise to handle a complex large loss claim. Settling large-loss property damage insurance claims require expert knowledge of insurance policy language, construction estimating, negotiations, and claim documentation. While contractors may be involved in repairs or general oversight, they are not licensed or authorized to interpret insurance policies or negotiate claim settlements on your behalf. Doing so may constitute the Unauthorized Practice of Public Adjusting (UPPA), which is prohibited in many states. We work in tandem with your contractor, not in place of them. Public adjusters are the only professionals licensed to represent policyholders in the preparation, documentation, valuation, and negotiation of insurance claims. At ICRS, our licensed public adjusters bring deep expertise in policy interpretation, damage assessment, and insurance negotiations—ensuring your claim is properly presented and maximized under the terms of your policy. Contractors focus on physical repairs—not policy coverage. By contrast, ICRS works to help ensure you receive every dollar you're entitled to before repairs begin, helping you avoid underpayments, scope limitations, or denied benefits that can affect your bottom line.

ICRS has successfully handled over 500 large loss claims across the U.S., specializing in commercial buildings and multifamily apartments affected by fire, hail, hurricane, tornado, and water damage. Over 90% of claims are resolved without unnecessary litigation or appraisal.

We handle a wide range of commercial property losses including:
• Hail damage

• Fire and smoke damage

• Hurricane and windstorm damage

•.Water damage from pipe bursts

• Tornado, Hurricane and storm impact

• Business interruption losses

ICRS offers risk-free representation. We only get paid if you do. Our contingency fee model means there are no upfront costs. If we don’t secure a settlement, you owe us nothing.

A large-loss claim typically refers to insurance claims exceeding $250,000 in property damage, often involving commercial buildings, multi-family properties, and high-value assets affected by severe weather events such as fire, hailstorms, hurricanes, and tornadoes.

Key Factors That Define a Large-Loss Claim:

Significant Structural Damage – Roof destruction, window breakage, water intrusion, and facade impact.

Widespread Property Loss – Multiple buildings, large commercial facilities, or apartment complexes.

Extensive Business Interruption – Loss of revenue due to operational shutdowns caused by storm damage.

Complex Claim Negotiations – Insurers often dispute the full extent of large-loss claims, requiring expert representation.

Why Acting Fast Matters

Understanding your contractual obligations as a policyholder and the responsibilities your insurance provider owes you is crucial to avoiding unnecessary liability and risk. If your insurance company is delaying or undervaluing your claim, don’t wait.

Need Expert Help? Our large-loss claim specialists ensure you recover the full compensation you deserve. Schedule a Free Claim Review Today.

If your insurance company didn’t pay enough to cover the full extent of your damage repairs, you’re not alone. Insurance carriers often undervalue claims, misclassify damage, or use loopholes to reduce payouts. However, you have options to fight for the compensation you deserve.

How Do Insurance Companies Underpay Insurance Claims?

• Lowball Estimates – Insurers often undervalue repair costs, leaving property owners paying out of pocket.
• Improper Damage Assessments – Adjusters may overlook structural issues or claim damage is "cosmetic" to reduce payouts.

• Unsubstantiated "Expert" Opinions -Sometimes experts who are retained by insurance companies, formulate opinions that may not be credible, it's important to know the difference and how to question opinions vs. facts.

• Depreciation & Policy Exclusions – Some policies factor in wear and tear to justify lower settlements.

How to Fight Back & Recover What You’re Owed

• Get an Independent Claim Review – A second opinion from an expert public adjuster or claims specialist can uncover missed damages and undervalued repairs.
• Demand a Reassessment – You have the right to challenge your insurance company’s payout if it doesn’t align with policy coverage.
• Work Insurance Hail Claim Experts – Professionals who specialize in large-loss hail claims can negotiate for a higher settlement and ensure you’re fully compensated.

Don’t Let the Insurance Company Shortchange You

Understanding your policyholder rights is key to protecting your property and financial investment. If your insurer isn’t paying what they owe, take action now. The longer you wait, the harder it becomes to dispute the claim.

Need Help? Our team of Pro-Policyholder insurance claim specialists have helped policyholders recover millions. Get a Claim Review Today.

Yes, if you believe your insurance company has undervalued, delayed, or denied your damage claim, you have the right to dispute the payout. Many policyholders face lowball settlements, overlooked damage, or improper claim denials, but there are steps you can take to fight for the compensation you deserve.

When Should You Dispute an Insurance Claim?

• The insurance company did not account for all damages to your roof, windows, or exterior.
• Your payout is significantly lower than contractor estimates for necessary repairs.
• The insurer claims pre-existing damage or uses policy loopholes to reduce the settlement.
• The claim process has been delayed or denied without a clear explanation.

How to Dispute an Underpaid or Denied Damage Claim

1. Review Your Policy – Check your policy to understand your coverage limits, deductibles, and exclusions.

2. Get a Second Opinion – A licensed public adjuster or independent roofing expert can assess whether your damages were fully accounted for.

3. Request a Reassessment – You can formally dispute the insurer’s estimate by providing additional documentation and requesting a second inspection.
4. File an Appraisal or Appeal – Many policies allow for an appraisal process, where a neutral third party helps settle claim disputes.

5. Seek Professional Assistance – If your claim is still undervalued, a claims advocate or legal expert can negotiate on your behalf.

Take Action Before It’s Too Late

Insurance companies may set deadlines for disputing claims, so it’s important to act quickly. If your hail damage claim was underpaid, do not settle for less than you are owed. Our team of hail claim specialists has helped policyholders recover full payouts.

Request a Free Claim Review Today.

Yes, even if you have already received a settlement, a public adjuster can help determine if you were underpaid and whether you are entitled to additional compensation. Insurance companies often undervalue claims by overlooking damages, applying depreciation, or using restrictive policy interpretations. If your settlement does not fully cover the cost of repairs, you still have options.

Why Hire a Public Adjuster After Receiving a Settlement?

Settlement Review – A public adjuster can analyze your claim to ensure the insurance company accounted for all damages and provided a fair payout.

Supplemental Claims – If additional damage is found or your initial payout was insufficient, a public adjuster can negotiate for a higher settlement.

Reopening a Claim – Many policies allow claims to be reopened within a certain time frame, especially if new damages become evident.

Independent Damage Assessment – Insurance adjusters work for the insurance company, while a public adjuster represents your best interests.

When Should You Consider a Public Adjuster?

• Your settlement does not fully cover repair costs.
• You suspect the insurance company undervalued or missed damage.
• You were told certain damage is not covered, but you are unsure if that is accurate.
• You want an expert to handle negotiations and maximize your recovery.

Its best to act quickly with the best support by your side.

Insurance policies often have strict deadlines for filing supplemental claims or reopening a claim. If you believe your settlement was too low, consulting a public adjuster could help you recover the full amount you are owed.