Their Offer Doesn't Cover The Damage. You're Not Imagining It.
When an adjuster stands in your living room and tells you the damage isn't that bad, it's easy to start wondering if you're the one overreacting. You're not. There's a licensed professional whose entire job is to read your policy, re-document your loss, and answer only to you – and your insurance company was never going to mention it.
Things adjusters actually say. Sound familiar?
What Is A Public Adjuster?
Most people have never heard of one – which is exactly how the insurance industry prefers it. Here's the whole thing in one table.
| The insurer's adjuster | You, on your own | ICA | |
|---|---|---|---|
| Who pays them | Your insurance company | Nobody – it's your weekend | A percentage of your settlement. Nothing upfront. |
| Who they answer to | Their employer. Not you. | You | You. Legally. It's the entire job. |
| Who reads the policy | They do – and they know the exclusions cold | You. All 40 pages of it. | We do, line by line, before we touch anything else. |
| Who documents the loss | They write the estimate | You, against their estimate | We re-document it independently – including what you can't see. |
| Who wins if you're underpaid | Them | Nobody | Nobody – we're only paid out of what's recovered. |
The part that catches people off guard: the friendly adjuster who walked through your house does not work for you. That's not a conspiracy – it's just the job. They're paid by the company writing the check. A public adjuster is the only licensed professional in the process whose duty runs the other way.
What This Actually Costs
We checked. Not one public adjuster in this market publishes their fee. We'd rather just tell you.
That's the max. Never more.
Our fee is capped at 10% of your settlement – that's the ceiling, not the starting point. Nothing upfront, nothing hourly, and nothing at all if we don't recover for you.
We're Not The Guy Who Knocked On Your Door
You may have heard bad things about public adjusters. A lot of them are earned – by people who canvass neighborhoods after a storm and get signatures on porches. That's not us, and here's how you can tell.
We don't canvass after storms
Nobody from ICA will ever show up uninvited on your street with a clipboard.
We don't get signatures on porches
You'll never be asked to sign something on the spot, in the moment, without reading it.
We don't pressure you
No countdowns, no "today only." A claim is a serious decision and you should take your time.
We don't disappear
The most common complaint in our industry is going silent after the contract is signed. Call us and find out.
Where Claims Get Underpaid
Insurance companies don't usually deny you outright. They pay you something – just not enough. Here's where the money goes missing.
The Policy Nobody Reads
Your policy is dozens of pages long and written to be skimmed past. Coverage you paid for – debris removal, code upgrades, loss of use – goes unclaimed simply because nobody knew to ask.
The Damage You Can't See
Smoke gets into everything. Water travels behind walls. An estimate written off what's visible in an afternoon walkthrough is not an estimate of your actual loss.
Depreciation Games
"Wear and tear." "Pre-existing." Older homes get depreciated hard, and the number that comes back won't rebuild anything. We document age and condition properly.
The Scope Is Too Small
They'll paint one wall, not the room. Patch the roof, not replace it. A repair that doesn't actually restore your home isn't a settlement – it's a discount.
The Waiting Game
Delay is a strategy. The longer it drags, the more likely you are to take whatever's on the table just to be done with it. We keep the file moving.
20+ Years Of Knowing Where To Look
We've spent two decades in property claims. We know which line items get quietly left off, and which ones are worth pushing on. We also know when your offer is already fair.
What Happens If You Call
We Read Your Policy
Free. Before anything else and before you owe us anything. If your offer is already fair, we'll tell you that and you can get on with your life.
We Re-Document The Loss
We inspect it ourselves and build the claim line by line – including the damage behind the walls that nobody put in the first estimate.
You Approve It
You see the number before your insurer does. Nothing gets submitted that you haven't read and agreed to.
We Handle The Back-And-Forth
The calls, the paperwork, the pushback. You get your life back while we deal with the file.
We Specialize In Property Damage Claims
Fire & Smoke Damage
From structural loss to smoke that penetrates every surface – including the contents and the living costs that rarely make it into a first estimate.
Water Damage
Burst pipes, flooding, roof leaks. Water travels – and the damage you can't see is usually bigger than the damage you can.
Storm & Wind Damage
Wind, hail, and fallen trees. Roof claims in particular get patched when they should be replaced – we scope what the damage actually requires.
Commercial Claims
Business interruption, inventory, and structural loss. The lost income is often the biggest line item – and the one most often left out.
What Our Clients Are Saying
"I had no idea my settlement offer was less than half of what I was owed. ICA stepped in and got us a payout that let us fully rebuild – better than before the fire."
"After the flood, the insurance company kept stalling. ICA knew exactly what to say and what to document. We went from a lowball offer to a full settlement in weeks."
"I didn't even know public adjusters existed. A neighbor told me about ICA after their claim. Best call I ever made. They handled everything and we got every dollar we deserved."
Turning Disasters Into Unexpected Blessings.
It's the thing we've watched happen for 20 years. A loss becomes the chance to rebuild – but only if the settlement is right. Let us read your policy. It's free, and it costs you nothing to find out.
Get A Free Policy ReadGet Your Free Policy Read
Tell us what happened. We'll read your policy, look at their offer, and tell you honestly whether you need us – usually within 24 hours.
Straight Answers
What do you charge? +
Up to 10% of your settlement – 10% is the max, never more. Nothing upfront, and nothing at all if we don't recover for you. We publish it because you shouldn't have to get on a sales call to find out what something costs.
My insurance company said I don't need a public adjuster. +
They would. Their adjuster is paid by them, and their job is to settle your claim for a defensible amount – not the maximum one. That's not a scandal, it's just whose side they're on. You're legally entitled to your own representation, and it's worth understanding what that means before you decide.
Can't I just handle this myself? +
Sometimes, honestly, yes – and if that's your situation we'll tell you. Small, clean claims where the offer already covers the work don't need us. It's the ones with hidden damage, a complicated policy, a denial, or an offer that won't cover the rebuild where a public adjuster earns their fee. Let us read the policy for free and we'll give you a straight answer.
Will hiring you slow my claim down? +
It shouldn't – delay is usually the insurer's tactic, not ours, and we've got no reason to drag out a file we only get paid on at the end. What does slow claims down is a bad public adjuster who goes quiet. Ask us for a point of contact and hold us to it.
I already filed my claim. Is it too late? +
Usually not. We can step in after you've filed, after you've been lowballed, or after you've been denied – that's often exactly when we're most useful. The one thing that does close the door is signing a final release and cashing the settlement check, so if you're near that point, talk to someone first.
Are you the people who knock on doors after storms? +
No. We don't canvass, we don't cold-knock, and we'll never ask you to sign anything on your porch. The reputation this industry has is largely earned by the people who do that, and we'd rather be judged by the opposite behavior.
What is a public adjuster, exactly? +
A licensed professional who represents you – the policyholder – in an insurance claim. We read your policy, independently document your loss, and negotiate with your insurer on your behalf. The adjuster your insurance company sends works for them. A public adjuster is the only one in the process who works for you.