35+ Years of Public Adjuster Excellence

When disaster strikes your home—whether through fire, water damage, hurricanes, or other catastrophes—the insurance claims process can feel overwhelming. At Insurance Claim Consultants (ICC), we've been helping homeowners recover rightfully owed insurance claims since 1989. Our track record speaks for itself: 1,200+ homeowners helped and $18.7M+ recovered in 2024 alone.

We're trusted by homeowners throughout North Carolina, South Carolina, and Georgia because we do one thing exceptionally well: we ensure you get every dollar your policy promises.

The Challenge You Face

After a disaster, you're juggling multiple priorities: securing your family's safety, stabilizing your property, managing repairs, and dealing with insurance paperwork. Meanwhile, insurance companies employ adjusters trained to minimize payouts. You need someone in your corner who understands both your needs and your policy's full coverage.

The ICC Difference

We work exclusively for you—not the insurance company. Unlike company adjusters who report to insurers, our public adjusters focus entirely on maximizing your claim payout. With 35+ years of experience and certified specialists on staff, we know exactly what insurers owe you and how to prove it.

What Does a Public Adjuster Do?

A public adjuster is an independent professional licensed to represent homeowners in insurance claims. We handle the investigation, documentation, and negotiation that most homeowners don't have time for—or expertise to manage properly.

Key responsibilities include:

• Thoroughly reviewing your insurance policy to identify all covered losses
• Documenting damage comprehensively with photos, videos, and detailed inventories
• Calculating the true cost of repairs and replacement using market rates
• Negotiating with insurance adjusters to ensure fair payouts
• Managing the entire claims process from start to finish

How Insurance Companies Minimize Claims

Insurance companies don't operate against your interests intentionally—they're simply designed to minimize costs. Common reasons claims get underpaid:

• Vague policy language - Insurance policies use complex terms that homeowners misinterpret
• Incomplete documentation - Most people don't photograph or catalog damage thoroughly enough
• Underestimated repair costs - Without expert appraisals, adjusters use low estimates
• Hidden coverage gaps - Many homeowners don't realize what their policy actually covers
• Rushed assessments - Company adjusters spend minimal time investigating claims

ICC's process counters each of these issues.

Our Proven 6-Step Process

Step 1: Comprehensive Policy Review

We read your entire policy line-by-line, identifying every covered peril and exclusion. Many homeowners discover coverage they didn't know existed.

Step 2: Complete Damage Assessment

Our team documents all damage systematically using photography, video, and detailed written reports. We capture what you might miss—structural issues, hidden damage, areas affected by smoke or water that aren't immediately visible.

Step 3: Professional Inventory & Valuation

We create detailed inventories of damaged items with:

• Original purchase price (from receipts, credit card statements, or comparable market research)
• Condition and age at time of loss
• Current replacement cost using current market rates
• Depreciation calculations (when applicable)

Step 4: Expert Appraisals

We work with certified specialists including structural engineers, HVAC experts, and restoration companies to establish fair replacement costs for all damage.

Step 5: Detailed Claim Preparation

We compile comprehensive documentation that leaves no room for the insurer to deny or reduce payment. This itemized, well-organized claim makes it difficult for insurers to challenge.

Step 6: Negotiation & Settlement

We negotiate directly with insurance adjusters using our documentation as leverage. Most homeowners don't realize they can negotiate—we do this every day.

Insurance policies can cover far more than most homeowners realize. Common claim types we handle:

Common Claims

• Fire and smoke damage
• Water damage and flooding
• Hurricane and wind damage
• Hail damage
• Lightning damage

Less Obvious Claims

• Mold remediation
• Asbestos removal
• Crime scene cleanup
• Earthquake damage
• Tornado damage
• Tree damage to property
• Temporary living expenses (ALE)

The key: Your specific coverage depends on your policy. We review yours to identify everything you're entitled to claim.

Immediate Steps (First 24-48 Hours)

Securing your property is our first priority. We guide you on:

• Whether it's safe to return home
• What items you can salvage without violating policy terms
• Emergency stabilization (boarding up, tarping roof, shutting off utilities)
• Finding temporary housing covered by your policy

Many policies include Additional Living Expenses (ALE) that cover hotel stays, meals, and other costs while your home is being repaired. We help you access this coverage immediately.

Protecting Your Claim

What NOT to do:

• Don't throw away damaged items until we've documented them
• Don't start major repairs before we assess the damage
• Don't sign anything the insurance company sends without our review
• Don't accept the first settlement offer without negotiating

What we handle:

• Coordinating with restoration companies
• Securing your property to prevent further damage
• Managing documentation of all damage and repairs
• Communicating with insurers on your behalf

How Much Does ICC Cost?

We work on a contingency fee basis: you pay nothing upfront. We're compensated only if we recover additional funds for you. Typically, we recover far more than our fee costs, resulting in net gains for our clients.

How Long Does the Process Take?

Most claims take 3-6 months from start to settlement, depending on claim complexity. We manage all timelines to ensure prompt resolution.

Will My Insurance Rates Increase?

Filing a claim through a public adjuster doesn't affect your rates differently than filing directly. What matters is the claim itself. We help you document claims properly to maximize coverage.

Can I Still Use ICC If My Claim Was Already Denied?

Yes. Many homeowners come to us after initial claim denials. We often successfully appeal denials that insurers thought were final. Our 35+ years of experience frequently uncovers coverage or documentation issues the homeowner missed.

Do You Handle Claims in My Area?

We serve homeowners throughout North Carolina, South Carolina, and Georgia, with specialists in major cities and surrounding areas. Check our service areas below.

North Carolina

Charlotte, Raleigh, Greensboro, Winston-Salem, Durham, Cary, Fayetteville, High Point, Asheville, Wilmington, Chapel Hill, Concord, Gastonia, and surrounding communities.

South Carolina

Charleston, Columbia, Greenville, Rock Hill, Mount Pleasant, Summerville, Goose Creek, Aiken, Myrtle Beach, Hilton Head, Sumter, and surrounding communities.

Georgia

Atlanta, Augusta, Columbus, Macon, Savannah, Athens, Sandy Springs, Roswell, Alpharetta, Marietta, Valdosta, Albany, Warner Robins, and surrounding communities.

South Carolina Law: Total Loss Coverage

If your South Carolina home is completely destroyed by fire, the insurance company is required by law to pay your full policy limits. This isn't optional—it's SC Code of Laws § 38-75-10.

Many homeowners don't realize this. Insurance adjusters present policy limit checks as "generous settlements" when they're actually legal requirements. For contents, however, you must prove what you owned.

Our Track Record

• 35+ years of experience (since 1989)
• 1,200+ homeowners helped
• $18.7M+ recovered in 2024 alone
• Licensed public adjusters in NC, SC, and Georgia
• BBB accredited

Our Approach

• You pay nothing upfront
• We only profit if you recover more
• Transparent communication throughout
• Expert specialists on every claim
• Proven negotiation success

To serve you better and become the definitive resource for homeowner insurance claims, ICC is expanding with:

• Educational blog content - Claims documentation tips, HVAC damage guidance, inventory strategies, and seasonal advice
• Video guides - "How to document damage," client testimonials, and "What is a public adjuster?" explainers
• Local partnerships - Collaborations with fire departments, restoration companies, and community organizations
• Comparison resources - Public adjuster vs. filing on your own; understanding coverage types; state-specific insurance laws

These resources will help you understand your coverage and next steps—whether you work with ICC or handle your claim independently.

Don't leave money on the table. Whether you've just experienced a loss or received an unfair settlement, ICC is ready to help.

Get Started Today

Call ICC for a Free Claim Review:

• North Carolina: (864) 497-2151
• South Carolina (Upstate): (864) 497-2151
• South Carolina (Lowcountry): (843) 324-1018
• Georgia: (843) 324-1018

Or request a free consultation online - no obligation, no upfront costs.

We're here when you need us most. 35+ years of excellence. Thousands of families helped. Millions recovered.

Let's get you the settlement you deserve.

Need information about a specific type of damage? Explore our detailed guides:

• Fire Damage Claims - Documentation tips, local resources by city
• Water Damage Claims - Prevention, documentation, coverage details
• Hurricane Damage Claims - Wind vs. flood coverage, recovery steps
• Smoke Damage Claims - Hidden damage, HVAC issues, contents recovery
• Flood Damage Claims - Flood insurance vs. homeowners, documentation

Insurance Claim Consultants: 35+ Years of Public Adjuster Excellence

Insurance Claim Consultants: 35+ Years of Public Adjuster Excellence