ICC's
Experienced public claims adjusters will help and support you with your residential insurance claim.
After any natural disaster, the first thing you want to do is get back to living a normal life and avoid any additional stresses. As the insurance claims process is a long, drawn out affair, you will need strong support to ensure that the claim you file is representative of the losses you suffered.
So, what is a public claims adjuster?
Insurers will always work to minimize their liabilities, reducing the pay-outs they have to give to policyholders. Public claims adjusters work on the claimant’s behalf to ensure that the policy-holders receive exactly what they are due.
At ICC, our public claims adjusters work solely with the policyholder to ensure that the insurer covers their outstanding liability on any claim, paying the maximum value of the insurance policy. By following a rigorous process with a strong attention to detail, we mitigate any risk non-payment, or under-payment, on your insurance claim.
If you need to file an insurance claim – whether for flood, fire, or damage of any sort – be sure to contact ICC today so that we can kick-start your claims process.
Our specialist will support you through:
- Shoring up your existing property and belongings to ensure they are safe, without risking the terms of your policy
- Reviewing your insurance contract and the potential liability of the policy provider
- Contacting appropriate partners to support the claims process, such as: building specialists, inventory experts, structural engineers, appraisal experts
With over 25 years’ experience, we have worked with thousands of home owners who have suffered from a range of different disasters. Our specialists have unrivaled knowledge in the residential insurance claims space and will move things along quickly and seamlessly, reducing the time you have to wait to receive your payment and return to living your life.
We remove the headache so you can focus on what’s important.
ICC’s residential insurance claims process.
Once we have established the terms of your policy and the potential liability of your insurer, we will work closely with our partners to establish a comprehensive course of action.
We follow a rigorous process, removing scope for reduced payments or denied claims stemming from incorrect adjustments, focusing solely on the questions that matter most to you: the homeowner.
What is the insurer liable for?
Insurance policies are intentionally vague and complex to navigate. Insurers want to give themselves maximum opportunity to minimize their own liability.
Fortunately, at ICC we have over 25 years’ experience dealing with a variety of claims and, while no two situations are the same, we call upon our extensive knowledge to review your policy and work out exactly what the insurer could be liable for. We then follow a detail-oriented process to document and report every item that we believe is relevant, prior to submitting this information directly to the insurer for review.
We follow the same steps each time:
- Review each clause of your insurance policy
- Ascertain the exact extent of coverage referred to within the policy
- Create an inventory of items contained within the damaged property, including detail on purchase price, age and quality at the time of the event
- Work with specialist appraisers to associate a cost to the damaged items, generating an itemized liability claim that the insurer will have to review, line-by-line
- Negotiate and establish the extent of the insurer’s liability with reference to goods damaged and reasons for damage
- Confirm payment terms and provide the claimant with clarity over the size of payment and when to expect it to be processed
There are many variables in residential insurance claims and several risks associated with improper reporting of damaged goods. As soon as you are required to submit a residential insurance claim, get in touch with a public claims adjuster so that they can advise you on what actions you can take without damaging your claims position.
What claims should my policy cover?
Insurance policies can cover any range of events, although these are not always clearly outlined.
Over the years, we have seen claims filed across fire damage, smoke damage, hurricane damage, wind and hail damage, flood and water damage, earthquake damage, crime scene clean-up, mold and asbestos and even tornado damage. The scope for claims is varied, which is why you need advice to understand exactly what you are covered for.
Our understanding of the claims process means that we are able to offer comprehensive guidance and reporting to ensure that your claim covers the full extent of your insurer’s liability, resulting in the best possible pay-out for you.
What happens to my property while you manage the claim?
While securing a pay-out is important in allowing you to resume your day-to-day life, there is little you can do without any suitable living arrangements. As your specialist claims partner, we will guide you as to what you are allowed to do - and not allowed to do - when it comes to salvaging items from your property or making alternative living arrangements.
The most important aspect is stabilizing your family and we will advise as to:
- Whether you can return to your property
- What you can salvage from your property
- The alternative living arrangements that are covered if your property is not habitable
In addition to the above, we will help in organizing the security of your property to avoid additional damage, or unwanted visitors gaining access whilst you are away.
How is the final claim documented and filed?
This is the most important piece of the puzzle and the element that will dictate the size of the pay-out you receive. Our specialists have all the experience they need to know exactly what information needs recording, and how it must be presented to the insurer, to guarantee that you receive the maximum value from your insurance policy.
From the moment you engage with ICC, we will take over managing the collection and documentation of all appropriate evidence and information, submitting this to the insurer as soon as we are comfortable that we have solicited all the detail possible from the policy-holder, as well as the other specialists that we have been working with.
In trusting ICC to collaborate with the relevant industry specialists, you are guaranteed to receive the full value of payments that may have otherwise gone unnoticed due to a lack of understanding of the policy documents.
Work with the best to rebuild your life!
Natural disasters, and even minor disruptions, can destabilize a family and losing your home or suffering an unexpected financial burden can be debilitating. Insurance exists to protect you from the worst and ICC exist to ensure you receive the payouts that you have paid for coverage for.
We guarantee our clients will be 100% satisfied with our service, receiving a pay-out far in excess of what they would have received had they not engaged with us in the first instance.
Make sure you don’t leave any money on the table. Contact ICC today to discuss how we can support your claim.
