Welcome to ICC
We're Insurance Claim Consultants, and for 35 years we've been helping neighbors across North Carolina, South Carolina, and Georgia navigate water damage claims. We handle everything—documentation, negotiation, settlement—so you can focus on getting back to normal. We're not here to dramatize what you're going through. We're here to help you fix it.
Ready to unlock your policy's full potential? Click the ICC logo below to talk with us live via phone or video. We're here when you need us.
Water Damage Insurance Claims Guide
Why Choose a Public Adjuster for Water Claims
Insurance companies have adjusters working for them—shouldn't you have someone working for you? A public adjuster is your advocate, working solely on your behalf to maximize your claim settlement. We know the tactics insurers use to minimize payouts, and we know how to counter them.
In 2024 alone, we helped a Charlotte homeowner recover an additional $45,000 that their insurance company initially overlooked for water damage throughout their basement and first floor. That's the difference an experienced public adjuster makes—we find what others miss.
What Water Damage Insurance Covers
Most homeowners policies cover water damage comprehensively, but understanding what's included is crucial:
- Structure damage: Repairs to your home's foundation, walls, floors, and systems damaged by water
- Contents: Furniture, electronics, clothing, and personal belongings destroyed by water
- Mold damage: Often develops after water damage—critical to document and address
- Additional Living Expenses (ALE): Hotel, meals, and living costs while your home is uninhabitable
- Debris removal: Clearing and disposing of water-damaged materials
- Drying and mitigation: Professional drying services to prevent mold
A 2023 Raleigh family we worked with recovered $68,000 for comprehensive water damage and mold remediation that their initial estimate had significantly undervalued. Thorough documentation makes all the difference.
How to Document Water Damage Properly
Documentation is your strongest tool in securing a fair settlement. Here's what we do for every client:
- Comprehensive photography: 300+ photos capturing every angle of damage
- Video walkthroughs: Room-by-room documentation showing the full extent
- Detailed inventory: Every damaged item with purchase dates and values
- Professional estimates: Multiple contractor bids for accurate repair costs
- Moisture detection: Professional moisture meters to identify hidden water damage
- Mold assessment: Air quality testing and growth documentation
We've learned through 35 years of experience that proper documentation can increase settlements by 30-40% on average.
City-Specific Water Damage Resources
Water damage risks and response resources vary by location. We've created detailed guides for 23 cities across North Carolina, South Carolina, and Georgia, including local resources, restoration companies, and region-specific claim strategies:
North Carolina
South Carolina
Immediate Actions After Water Damage
Immediately after water damage, protecting your property from further damage is critical—and it's covered by your insurance:
- Stop the water source and shut off water main if necessary
- Pump out standing water to prevent mold growth
- Document everything before cleanup begins
- Preserve damaged items for adjuster inspection
- Claim Additional Living Expenses for temporary housing
- Professional drying services to prevent mold and structural damage
In 2024, we helped a Columbia family secure $12,500 in ALE coverage for three months of temporary housing while their water damage was repaired. We connect you with trusted emergency restoration contractors across North Carolina, South Carolina, and Georgia.
Common Water Damage Claim Mistakes to Avoid
We've seen these mistakes cost homeowners thousands:
- Accepting the first offer: Initial estimates often miss 30-40% of actual damage
- Throwing away damaged items: Keep everything until the adjuster inspects
- Starting repairs too soon: Document first, repair after
- Missing mold damage: It often develops after water damage and extends claims significantly
- Underestimating contents value: Most families have $75,000-$100,000 in belongings
- Missing deadlines: Most policies require prompt notification
- Confusing water damage with flood damage: Flood requires separate NFIP insurance
Don't navigate this alone. ICC has recovered over $18.7 million in denied or undervalued claims for homeowners just like you.
How ICC Helps You Recover
As your public adjuster, we handle every aspect of your water damage claim:
- Free initial consultation to review your policy and damage
- Comprehensive damage assessment with professional documentation
- Detailed claim preparation with accurate repair estimates
- Mold assessment and remediation coordination for complete recovery
- Direct negotiation with your insurance company on your behalf
- Maximum settlement recovery for structure, contents, and living expenses
- Contractor coordination to ensure quality repairs
We work on a contingency basis—we only get paid when you do. No upfront costs, no risk to you.
Ready to get started? Call us at (864) 497-2151 or click the ICC logo to start a conversation. We're standing by to help you recover what you deserve.
