Welcome to ICC's Commercial Water Damage Claims Expertise
Water damage creates complex commercial claims that insurance companies routinely minimize. Hidden moisture migration, mold development, equipment damage, inventory loss, and business interruption multiply costs quickly—yet insurers deploy tactics designed to reduce payouts and pressure business owners into accepting inadequate settlements.
Insurance Claims Consultants has 35+ years of experience maximizing commercial water damage claims across North Carolina, South Carolina, and Georgia. We recovered $18.7 million for clients in 2024 by identifying losses insurance adjusters miss and disputing unfair claim handling. Our public adjusters work exclusively for you.
Click the ICC logo in the bottom right corner to connect with our public adjusters via phone or video, or call directly at (864) 497-2151.
What Insurance Companies Count On
Insurance companies minimize water damage claims through specific tactics. First, they dispute causation—claiming the water source falls outside policy coverage, or that damage resulted from maintenance neglect rather than a sudden event. Second, they minimize affected areas by using inadequate moisture detection, missing hidden water migration behind walls, under flooring, and in ceiling cavities.
Third, they rush mitigation to reduce documented losses. Early removal of moisture detection equipment prevents full discovery of affected materials. Fourth, they apply aggressive depreciation to flooring, ceiling tiles, and equipment that should qualify for replacement cost coverage. A commercial building with a 15-year-old roof gets massive depreciation deductions even when policy language suggests otherwise.
Most business owners lack expertise to challenge these tactics effectively.
What Most Business Owners Miss—And It Costs Them
Water damage extends far beyond visible flooding. Moisture migrates through building materials, creating secondary damage that appears days or weeks after the initial event. Mold develops in concealed spaces. Electrical systems corrode. HVAC components degrade. Inventory absorbs humidity and becomes unsalvageable. Insurance adjusters who assess damage 24 hours post-event miss this progression entirely.
Business interruption during water mitigation is another massive cost that insurers try to minimize. They'll claim you should have reopened sooner, that partial operations were possible, or that revenue loss was less severe than documented. Without proper BI documentation from day one, business owners lose substantial compensation.
Hidden Moisture Migration and Mold Development
Water travels through walls, under flooring, and into ceiling cavities far beyond the visible wet area. Insurance companies use minimal moisture detection equipment and declare areas "dry" prematurely. This leaves concealed moisture that develops into mold weeks later—at which point insurers claim it's a new event outside the original claim.
We engage certified moisture detection specialists who map the full extent of water migration using infrared imaging and comprehensive moisture meters. We document all affected building assemblies before mitigation begins, preventing insurers from later disputing scope.
Where ICC Makes the Difference
Licensed public adjusters document water damage comprehensively from day one. We engage moisture detection specialists, mold assessors, and equipment appraisers to establish the full scope of damage before mitigation begins. We dispute causation denials, scope minimization, and depreciation abuse. We quantify business interruption losses accurately and ensure BI coverage reflects actual revenue impact.
Our contingency fee structure aligns with your outcome—we maximize your settlement rather than minimize claim processing time. Learn more about our Business Interruption expertise.
Call (864) 497-2151 for immediate water damage claim assistance.
