I definitely recommend ICRS! Scott and Misty went above and beyond to advocate on our behalf and…read morehelp us navigate the nightmare of a large loss insurance claim. Scott has worked as a public adjuster for more than 15 years. He was extremely knowledgeable about the process, laws, and holding the insurance company accountable. The initial amount the insurance company agreed to would not have been enough to restore our property, and Scott negotiated to maximize our claim.

In February of 2023, our family woke up to a nightmare. Our house was filled with smoke and on…read morefire. My wife and I were able to get our son and pets out of the burning house without any injuries, and our local fire department arrived on the scene quickly to put out the fire. Unfortunately, by the time that the fire was out, most of our home had been destroyed. We contacted our insurance company to start our claim and were immediately met with opposition and confusion on their part. It looks several weeks for our insurer to assign an adjuster to our claim. This initial experience with our Insurance company led our decision to hire a Public Adjuster to navigate the process and advocate on our behalf. We couldn't trust that our Insurance company would handle the claim responsibly, and we quickly realized that we needed someone to fight for us to hold our Insurance company accountable for the policy that was in force at the time of the loss. We were extremely fortunate to find ICRS and secure Scott as our Public Adjuster.  Our Insurance company mislead us at times, and withheld information when it benefited them. It took several weeks for them to provide a copy of our policy, and when they did, they excluded information that benefited us. ICRS pressured them to provide a full copy of our policy which included benefits they had initially excluded. Our Insurance company provided a rebuilding scope that was unrealistic and not aligned with the actual cost of rebuilding our home. ICRS countered with a realistic scope and also advised us to secure several independent quotes on our own. ICRS then leveraged its scope and the independent quotes to force the Insurance company to pay out a more realistic amount for the rebuild. The scoping process took months, and ICRS drove the communications the entire time.  The first adjuster that the Insurance company assigned to our claim arrived at the site visit and interview with a combative attitude, where he used inappropriate language, and attempted to force the negotiations in the Insurance company's favor by manipulating the facts. ICRS swiftly called out the adjuster and guided the negations back on track in a professional manner.  Our Insurance company cycled through four adjusters during our claim. The pass-down of information between these adjusters was insufficient at best, with each new adjuster attempting to avoid payout using the same methods that failed with the last. We were astonished that a company could act in this manner without serious recourse. Nonetheless, ICRS was able to leverage emails, photos, inspection reports, and additional documentation to bring each new adjuster up to speed after each transition. ICRS' efforts kept the claim moving every time that the Insurance company attempted to stall, and they attempted to stall many times. When our Insurance company misrepresented the policy and refused to pay out for damages that were covered, ICRS drove the communications process and provided documentation, which included case-law excerpts from similar claims that had gone to trial. This approach kept the process moving and provided breakthroughs on some of the vital areas of negotiations. Through the process, ICRS provided a paper trail of communications and documentation that our Insurer couldn't ignore, and ultimately they were forced to pay out for the covered items due to the exposure that ICRS had made apparent.  ICRS increased the overall claim by more than 20% during the planning and rebuild process through supplements. Through negotiations with our Insurance company, ICRS increased the claim by 104% over what was paid out. 104%... double what the Insurance company released up-front in our initial settlement. Additionally, the payout ICRS secured for us was 31% higher than our policy limit.  Before that fire, we had heard insurance companies pull out every trick in the book to avoid paying out on a policy. Having gone through this experience, we can say that the behavior on our Insurance company's part was disgusting, and far worse than we had ever imagined possible. We advise with 100% conviction that anyone dealing with a large loss such as ours, hire a public adjuster to navigate and advocate on their behalf in order to get the needed results. Without hesitation, we recommend ICRS to anyone going through a similar situation. Our family could not have rebuilt our home with the funds our insurance company provided, and we only have a home to return to because of ICRS' efforts to hold our insurer accountable for the policy we had paid for. Throughout the claim, which lasted over a year, ICRS navigated the entire claim process with professionalism and care. Our family offers a sincere thank you to Scott, Misty, and the entire ICRS team.