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:

1. Review each clause of your insurance policy
2. 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

1. 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
2. Negotiate and establish the extent of the insurer’s liability with reference to goods damaged and reasons for damage
3. Confirm payment terms and provide the claimant with clarity over the size of payment and when to expect it to be processed