Welcome to ICC

Insurance Claims Consultants represents commercial property owners in liability claims damage claims across North Carolina, South Carolina, and Georgia. We understand the unique complexities of commercial property damage, business interruption, and the urgent timeline for getting operations restored.

Ready to talk? Click the ICC logo below to connect with us, or call (864) 497-2151.

How We Handle Liability Claims Claims

Commercial property damage claims are fundamentally different from residential claims. Coverage is more complex, business interruption losses are substantial, and the timeline for claim resolution directly impacts your bottom line.

FEMA Disaster Assistance
Phone: (800) 621-3362
fema.gov/disaster/recover

SBA Disaster Loans
Phone: (800) 366-8285
sba.gov/disaster

OSHA Safety Reporting (if applicable)
Phone: (800) 321-1580

Why Liability Claims Claims Are Complex

Commercial liability claims involve third-party bodily injury or property damage claims covered under commercial general liability policies. Insurance companies approach commercial claims strategically, often minimizing settlements through aggressive coverage disputes and scope limitations that leave property owners with substantial uncompensated losses.

Commercial property policies include numerous endorsements, exclusions, and coverage limitations that create claim settlement disputes. Business interruption coverage has strict requirements for documentation and timeline. Multiple properties or locations complicate claims coordination. Equipment damage may trigger business continuity issues beyond simple property replacement.

The financial stakes are dramatically higher than residential claims. A week of business interruption can exceed annual profit margins. Equipment downtime affects not just immediate revenue but supply chain commitments and customer relationships. Insurance companies understand these pressures and use them to negotiate reduced settlements.

Commercial claims require specialized knowledge of business operations, industry-specific risks, and coverage interpretation that general adjusters often lack. Your claim's success depends on expert representation from day one.

How Liability Claims Claims Get Denied

Commercial property adjusters employ sophisticated tactics to minimize claims:

Coverage interpretation disputes: Adjusters interpret policy language narrowly to exclude claimed losses or reduce coverage limits. Endorsements and riders are often overlooked or misapplied.

Business interruption limitations: Adjusters strictly limit business interruption coverage to direct physical loss, often denying claims for supply chain disruption, customer loss, or extended closure periods.

Equipment depreciation: Commercial equipment is classified as actual cash value, not replacement cost. Aggressive depreciation reduces settlements to 40-60% of replacement costs.

Hidden damage underestimation: Adjusters document obvious damage but miss hidden water intrusion, electrical system damage, HVAC contamination, and structural issues that surface weeks later.

Proof of loss deadline manipulation: The 90-day commercial Proof of Loss deadline is stricter than residential. Missing it voids your entire claim regardless of validity.

Sub-limit application: Many commercial policies include sub-limits on specific coverage types. Adjusters apply the most restrictive sub-limit to minimize total recovery.

Documenting Liability Claims Damage

Comprehensive documentation is essential for commercial property claims:

Immediately after loss:

• Photograph everything: 500+ photos showing all property damage, equipment condition, contents loss, water damage, structural issues
• Document business impact: Revenue loss, customer notifications, supply chain disruption, employee displacement
• Preserve equipment: Don't discard damaged equipment until professionally assessed and photographed
• Get professional assessments: Structural engineer, equipment appraiser, business interruption consultant evaluations

During claim process:

• Maintain detailed records: All business disruption impacts, temporary solutions, restoration costs
• Document communications: Every adjuster contact, promise made, deadline given
• Professional estimates: Multiple contractor bids for all restoration work
• Code compliance costs: Building code upgrades required for reconstruction

Understanding Liability Claims Coverage

Commercial property policies are complex, with multiple coverage types and limitations:

Standard coverages typically include:

• Building structure and permanent fixtures
• Business personal property and equipment
• Business interruption (lost income)
• Additional operating expense (AOE) coverage
• Extra expense coverage for temporary relocation
• Boiler and machinery coverage (equipment breakdown)
• General liability (third-party injury/property damage)

Common limitations and exclusions:

• Business interruption limited to X months of business interruption
• Equipment depreciation applied to actual cash value items
• Code compliance upgrades limited or excluded
• Flood excluded (requires separate flood insurance)
• Earthquake excluded (requires separate coverage)
• Hidden or gradual damage often excluded

What Liability Claims Claims Should Cover

Comprehensive commercial claims should include:

• Complete property restoration: All structural and equipment damage fully repaired or replaced to pre-loss condition
• Business interruption: Full lost income for entire business interruption period
• Additional operating expenses: Temporary relocation, contingency staffing, emergency supplies
• Equipment replacement: Replacement cost, not depreciated actual cash value
• Code compliance: Building code upgrades required during reconstruction
• Professional services: Engineering assessments, business continuity consulting, claims administration
• Debris removal: Complete removal of damaged materials and business contents

Commercial property claims we've handled have recovered 40-60% more than initial insurance estimates through comprehensive documentation and expert negotiation.

Getting Help with Your Liability Claims Claim

Commercial property damage claims require immediate expert intervention. The 90-day Proof of Loss deadline, complex coverage disputes, and substantial financial stakes demand professional representation from day one.

Insurance Claims Consultants brings 35 years of commercial property claims experience. We understand commercial coverage, business impact assessment, and how to maximize claim recovery while your business recovers.

We work on contingency—we only earn a percentage when you receive your settlement. No upfront costs, no hourly fees. This aligns our interests with yours: maximizing your recovery.

Time is critical. Call us immediately at (864) 497-2151 for a free claim assessment. We've recovered $18.7 million for commercial clients across North Carolina, South Carolina, and Georgia. Let us help you recover the full amount your claim deserves.