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Hurricane Damage? Get Expert Help Navigating Your Insurance Claim
Maximize Your Settlement. Minimize Delays. Protect Your Property.
No Recovery, No Fee for Claims Over $250K
Licensed Insurance Policyholder Advocates
500+ Satisfied Policyholders and Counting
Non-Litigious Solutions
Over $250,000,000 Recovered
INSURANCE COMPANIES HAVE EXPERTS WORKING FOR THEM. YOU SHOULD, TOO!™
Public Insurance Adjusters
We Exclusively Represent Policyholders
512.904.9900
Claim Assistance Available 24/7
We help Commercial, Multifamily, Industrial & Religious Properties get the settlement you deserve!
Hurricane Damage? Get Expert Help Navigating Your Insurance Claim
Maximize Your Settlement. Minimize Delays. Protect Your Property.
Storm damage doesn’t end when the skies clear—it’s just the beginning of the battle with your insurance company. As licensed public adjusters, ICRS advocates exclusively for commercial and multifamily property owners to help you recover what you’re owed.
Fast, Free, No-Obligation Inspections. We’ll Be in Touch Within 24 Hours!
No Recovery, No Fee for Claims Over $250K
20+
Years Of Experience
500+
Large-Loss Claims Settled
130,160
Hours Worked
$450,000
Average Claim Amount
Apartment & Multifamily Hurricane Damage Claim Experts
Commercial Building
Hurricane Damage Claim
Luxury Home Hurricane Damage Claim Specialists
Hurricane Claim Results For Policyholders
ICRS Advocates For Policyholders
No Recovery, No Fee Representation*
We don’t get paid unless you do.
Proven Results
Successfully settled hundreds of millions in property damage claims.
Expert Representation
500+ large-loss claims settled fairly & promptly.
Avoid Unnecessary Litigation
We maximize settlements without unnecessary legal battles.
Licensed Public Adjusters Nationwide
We work exclusively for policyholders, not insurers.
Verifiable Success
Increased settlements over initial offers by 20% to 3,830%+
Why You Need a Public Adjuster for Hurricane Damage
Every hurricane season brings billions in insured losses—but many policyholders are left shortchanged due to:
Misclassified damage (e.g., wind-driven rain vs. flooding)
High Named Storm Deductibles
Denied or underpaid claims from insurance company adjusters
Missed coverage due to unclear policy language
ICRS levels the playing field. We represent YOU—not your insurer.
Common Hurricane Damages We Help Identify & Claim
1. High Wind Damage
Torn, uplifted, or punctured roofing
Detached rooftop mechanical equipment (HVAC, antennas, solar panels)
Cracked walls, parapets, or shifted structural framing
Broken windows, doors, and seal failures
2. Wind-Driven Rain & Moisture Intrusion
Rain forced into walls, roofs, or vents
Moisture-wicked insulation, soaked drywall, or carpet
Mold and mildew from delayed dry-out
Electrical corrosion or shorting
3. Storm Surge & Flooding
Water damage to electrical/mechanical rooms in basements or parking garages
Foundation weakening or soil erosion
Saltwater and sewage infiltration into systems or drywall
4. Business Interruption
Tenant displacement and loss of rental income
Construction delays affecting lease compliance
Downtime in operations or delayed move-ins
What the Last 3 Hurricane Seasons Teach Us
Hurricane Ian (2022): >$60B in damages; insurers denied claims due to “flooding exclusions.”
Hurricane Idalia (2023): Carriers invoked Named Storm Deductibles, minimizing payouts.
Hurricane Nicholas (2021): Thousands of roofs damaged from winds but under-assessed.
These trends show increasing complexity—and resistance—from insurers. You need a licensed public adjuster to protect your rights.
The Critical Role of Water Mitigation
Failure to properly mitigate = denied or reduced claim.
Don’t Let Hidden Moisture Sabotage Your Recovery:
If not mitigated within 24–48 hours:
Mold can spread
Structural wood may rot or warp
Electrical damage can become severe
Insurers may deny the claim for “failure to prevent further loss”
How to Qualify a Water Mitigation Contractor:
Failure to properly mitigate = denied or reduced claim.
Don’t Let Hidden Moisture Sabotage Your Recovery:
If not mitigated within 24–48 hours:
Mold can spread
Structural wood may rot or warp
Electrical damage can become severe
Insurers may deny the claim for “failure to prevent further loss”
Know Your Policy: Key Hurricane Claim Pitfalls
Named Storm Deductibles
These are often 2–5% of the insured value, not the claim amount. For a $10M building, a 5% deductible equals $500,000 out-of-pocket.
Wind vs. Water Language
Insurers often deny or split wind vs. water-related damages. Public adjusters ensure accurate causation is documented.
Duties After a Loss
Most policies require you to:
Promptly report the claim
Prevent further damage
Submit detailed proof of loss
Failure to comply may void coverage.
Educational Resource:
Insurance Claim Bible
What ICRS Public Adjusters Do for You
Benefit What You Get
Damage Documentation Detailed reports with experts (roofers, engineers, contractors)
Policy Interpretation Clarity on Named Storm Deductibles, coverage gaps, and fine print
Claim Preparation Organized, substantiated claims including valuations & business loss
Direct Negotiation Skilled representation with your carrier throughout the process
No Recovery, No Fee For claims over $250K
ClaimNavigator™ Flat-fee consulting ($250) for claims under $250K
Who We Serve
Apartment Complex Owners & Multifamily Operators
Churches & Religious Organizations
Commercial Property Owners & Managers
Real Estate Investors & REITs
HOAs, Educational, and Municipal Institutions
Struggling With?
Initial Hurricane Claims
Whether you're filing an insurance claim for a commercial building, an apartment complex, or a luxury home, filing it correctly from the outset is crucial.
Large-loss hurricane claims involve significant property damage and high-dollar settlements. As one of the Nation's most trusted public adjusters, we make sure your initial claim is accurately documented, aggressively represented, and positioned for maximum settlement in minimum time.
Underpaid Hurricane Claims
Insurance companies often lowball hurricane claim payouts especially on large-loss properties. If your settlement doesn’t match the real scope of damage, you could be leaving thousands on the table.
At ICRS our experts identify missed damage, undervalued estimates, and hidden policy coverage gaps. We reopen, negotiate, and supplement
underpaid claims to recover what you’re truly owed.
Delayed or Denied Hurricane Claims
Denied hurricane claim? You’re not alone. Insurers often cite
policy exclusions, pre-existing damage, or missing documentation
to avoid paying.
Our Austin-based public adjusters specialize in
overturning wrongfully denied hurricane claims - correcting inspection errors, providing new documentation, and demanding fair treatment.
Licensed Public Adjusters In 16 States:
The Nations Leading Hurricane Damage Claim Specialists
Hurricane Claim Just Starting, Denied, or Underpaid?
Whether your hurricane claim has just started or been delayed, denied, or lowballed, it’s time to take action.
Insurance carriers often dispute hurricane damage claims, but we have the expertise to accurately assess the real extent of your losses.
Schedule a claim consult today.
Don’t Go It Alone Against the Insurance Giants
Insurance companies have teams of adjusters, engineers, and attorneys. You deserve an expert on your side.
35 + Successful Projects
Local Roofing Experts
100% Guarantee
The Nations Leading Hurricane Damage Claim Specialists
Hurricane Claim Just Starting, Denied, or Underpaid?
Whether your hurricane claim has just started or been delayed, denied, or lowballed, it’s time to take action.
Insurance carriers often dispute hurricane damage claims, but we have the expertise to accurately assess the real extent of your losses.
Storm and wind damage
Schedule a claim consult today.
Don’t Go It Alone Against the Insurance Giants
Insurance companies have teams of adjusters, engineers, and attorneys. You deserve an expert on your side.
Why Choose ICRS TESTIMONIALS
Hear what Our Clients are saying
"Thank you Scott"
Scott responded to my inquiry and took the time to listen and understand our unpleasant experience dealing with our insurance claim. Although I did not utilized his service, he gave me a sound, professional advice and offered to help when he referred me to his engineer. They replied promptly and I was able to have better understanding of the situation. Thank you Scott!
- Haidee J.
"I would highly reccomend"
Words can’t describe how grateful we are for the consultation and claim evaluation we had with Scott. Full disclosure we were unable to work with him due to limitations of our scope. We wanted to properly recognize Scott for the honest and genuine passion he put in to not only our claim, but the way he runs his business in general. We hadn’t had such clarity of next steps since this began in 2020. I would highly recommend this business to everyone spinning their wheels in this process!
- James M.
"I came across this company and had none of those bad feelings"
This was not the first public adjuster I called. I called a different company first but they gave me a bad feeling on the phone. Too aggressive. Didn't feel trustworthy to me. So, I kept looking. I came across this company and I had none of those bad feelings. Scott, the guy who took my call, seemed very knowledgeable and I felt I could fully trust him. As it turned out, he told me that my claim was fairly simple and I didn't need the full scope of his service and fees. But, without charging me a fee, he gave me some needed advice on this whole matter of insurance claims which I needed. And told me I could call him back to ask another question or two if necessary. I would recommend this company for these services.
- Katie H.
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Unsure If you need a public adjuster?
Frequently Asked Questions
What qualifies as hurricane damage under my commercial policy?
Hurricane damage may include wind damage, wind-driven rain, and storm surge. However, how each peril is covered depends on your policy language.
What is a Named Storm Deductible and how does it affect my claim?
It’s a special deductible applied to named storms (e.g., Ian, Idalia), typically 2–5% of your building’s insured value. It can drastically reduce the net claim payout if misunderstood.
What’s the difference between flood damage and wind-driven rain?
Flood is typically rising water from the ground up (covered under separate policies), while wind-driven rain enters through a storm-damaged envelope (usually covered under the standard property policy).
Why would my insurance company delay or underpay my hurricane claim?
Insurers may:
• Dispute causation (wind vs. flood)
• Misapply deductibles
• Demand unreasonable proof of loss
• Use internal estimators to undervalue repairs
What if I already started cleanup? Will it affect my claim?
It could. If cleanup isn’t properly documented or overdone, it may remove evidence needed to prove your loss. Contact a public adjuster before demo or repairs.
How soon should I report a claim?
Immediately. Delays can violate your policy’s “notice of loss” clause and create grounds for denial.
What are “duties after a loss”?
These are contractual obligations, such as protecting the property, cooperating with inspections, submitting a proof of loss, and keeping records.
How do I choose the right public adjuster?
Look for:
• State licensure
• Experience in commercial/multifamily hurricane claims
• References or case studies
• Clear fee structures (e.g., contingency or flat-rate)
Can I still hire a public adjuster if my claim was already filed?
Yes. A public adjuster can help supplement, re-open, or negotiate an existing or underpaid claim.
What is ClaimNavigator™?
It’s our flat-fee consulting service for smaller claims (under $250K). You get expert guidance without the full contingency model.
Innovation
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