Insurance Claim Recovery Support

Licensed Public Adjusters

ATTENTION: Residential & Commercial Policyholders

Protect Your Recovery After A Fire With This Fire Claim Guide...

Fire can devastate your home or business in minutes. What happens next could determine whether your home is fully restored and your business survives or fails.

The 8-Page Expert Fire Claim Action Guide

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Built on Experience. Focused on You.
The Trusted Guide to Navigating Your Fire Claim

What's Inside...

  • Immediate Actions to Take After a Fire

  • Understanding the Scope of Fire Damage

  • Testing for Environmental Contaminants

  • Choosing the Right Restoration Contractor

  • Navigating the Fire Insurance Claim Process: What to Expect

  • Code Upgrades: Hidden Cost You Must Address

  • How to Expedite Your Fire Insurance Claim

  • Key Coverage You Can’t Afford to Miss

  • Common Pitfalls in Fire Insurance Claims and How to Avoid Them

  • Business Interruption Claims

  • Staying OSHA Compliant During Restoration

  • Your Road to Recovery

  • When to Seek Professional Help

  • Resources and Tools

KNOW YOUR RIGHTS

Why You Need This Guide

The Fire Claim Guide for Home and Business Policyholders is the most complete, tactical guide for property owners who’ve suffered fire damage. It’s designed to help:

HOMEOWNERS

Homeowner

Associations

Apartment Building Owners & Operators

HOMEOWNERS

Homeowner

Associations

Apartment Building Owners & Operators

Have you reviewed your policy and started documenting

all visible and hidden fire damage?

This Guide Is NOT OPTIONAL

CRITICAL DOCUMENTATION STRATEGIES

Learn exactly what to photograph, document, and preserve in those crucial first days after a fire to protect your claim's value and prevent evidence loss.

Personal or Business Property

Document items with sentimental or custom value, even if they are not easily replaceable. Include photos, descriptions, and appraisals where possible to strengthen the contents portion of your claim.

EXPERT SETTLEMENT STRATEGIES

Our public adjusters have negotiated hundreds of settlements 40-60%+ higher than initial insurance company offers.

PROTECT YOURSELF

Know Your Policyholder Rights

Protect Your Property & Loved Ones

  • Insurers are required by law to act in good faith.

  • They must equally consider any evidence supporting your position.

  • You have the right to file a bad faith claim if they wrongfully delay, underpay, or deny.

  • You’re entitled to indemnity—restoration of your property and financial loss.

  • You bear the burden of proof for your claim. If you don’t prove your loss, they don’t have to pay.

Why Hiring A Public Adjuster May Be Crucial...

When your property is damaged, insurance companies bring in expert, adjusters, engineers, attorneys, to protect their bottom line. You should too. A qualified public adjuster:

  • Advocate only for you, not the insurer

  • Negotiate on your behalf

  • Help policyholders meet their burden of proof

  • Interpret your policy and how to maximize your payou

  • Fight lowball offers and wrongful denials

  • Avoid unnecessary litigation

  • Increase your payout by up to 747%, according to the Florida OPPAGA Study

Experience matters

Has your insurer confirmed if any building code upgrades are required in your rebuild?

Building Code-Triggered Upgrades

Fires may necessitate rebuilding under current building codes, triggering requirements for upgraded smoke detectors, wiring, or structural reinforcements. These costs may be covered under "Ordinance or Law" policy provisions.

BUSINESS INTERRUPTION CLAIMS

For business owners, fire damage often means lost revenue. Business interruption coverage can help, but these claims are complex.

POLICY BENEFIT CHECKLIST

Use our comprehensive checklist to identify coverage elements in your policy that many adjusters won't voluntarily disclose, including business interruption, code upgrades, and temporary location expenses.

TIMELINE & EXPECTATIONS

Follow our week-by-week roadmap of the commercial claim process, including important deadlines, documentation requirements, and warning signs that your claim is being undervalued.

20+

Years Experience

500+

Large-Loss Claims Settled

$250M+

Settled Property Insurance Claims

EXECUTIVE PUBLIC ADJUSTERS

Meet Our Public Adjusters

Scott Friedson

CEO | Public Insurance Adjuster

Scott formed Insurance Claim Recovery Support LLC aka ICRS, to help policyholders needing strategic and practical representation recovering from property damage insurance claims. Policyholders dealing with complex large-loss insurance claims can face many issues ranging from delays, underpayments, omissions, misrepresentations, or wrongful denials.

Commercial and Multifamily owners, property management companies and homeowner associations have received the results and benefits they deserve with Scott’s expertise while avoiding unnecessary litigation and appraisals.

As an active member in the multifamily, contractor, and public adjusting community, he has been a speaker at the apartment, storm restoration, general, and roofing contractor associations advocating what policyholders and management companies need to know about insurance claims. Scott holds public insurance adjuster licenses in Texas, Florida, Colorado, Georgia, Indiana, Kansas, Kentucky, Nebraska, South Carolina, North Carolina, Maryland, Ohio, Pennsylvania, Utah, Nevada, and Oklahoma.

He is also a Haag Certified Commercial Roof Inspector, Certified Appraiser & Umpire – CPAU, IICRC – Certified Water Restoration Tech with millions in successfully negotiated hail, fire, hurricane, tornado, flood, lightning, storm, business interruption, and other insurance claim settlements on behalf of his policyholder clients. Friedson retired as a Texas apartment real estate broker when he formed ICRS and has more than 30 years of combined experience in real estate as a broker, lender, apartment investor, and public insurance adjuster.

Misty Friedson

VP | Public Insurance Adjuster

With four years of dedicated experience as a licensed Public Insurance Adjuster, Misty brings a proven track record of successful claim resolution and unwavering advocacy for policyholders. Specializing in large-loss property damage claims, she has cultivated deep expertise in representing a diverse clientele that includes religious organizations, multifamily apartment owners, educational institutions, hotels, and homeowner associations (HOAs).

In addition to being a licensed public adjuster, Misty is a Haag Certified Commercial Roof Inspector known for her meticulous claim documentation, strategic negotiation skills, and steadfast commitment to maximizing fair settlements under the terms of the insurance policy. Her approach ensures that each client receives personalized service tailored to the unique complexities of their property and claim.

Having worked closely with faith-based institutions, historical buildings, and nonprofit organizations, Misty is particularly adept at navigating the nuances of policies covering sanctuaries, community centers, and auxiliary buildings. Her experience with multifamily and hospitality property owners has helped recover millions in damages from perils such as hail, fire, windstorms, and water intrusion—minimizing claim cycle times and avoiding unnecessary litigation.

As part of the ICRS team, Misty upholds the firm’s core philosophy of being exclusively policyholder advocates, offering clients she represents a no recovery, no fee promise and delivering results that consistently exceed expectations. Her work contributes to the firm’s reputation for resolving over 90% of claims without unnecessary appraisal or litigation.

TESTIMONIALS

Hear what Our Clients are saying

"Thank you Scott"

Scott responded to my inquiry and took the time to listen and understand our unpleasant experience dealing with our insurance claim. Although I did not utilized his service, he gave me a sound, professional advice and offered to help when he referred me to his engineer. They replied promptly and I was able to have better understanding of the situation. Thank you Scott!

Haidee J.

Client

"I would highly reccomend"

Words can’t describe how grateful we are for the consultation and claim evaluation we had with Scott. Full disclosure we were unable to work with him due to limitations of our scope. We wanted to properly recognize Scott for the honest and genuine passion he put in to not only our claim, but the way he runs his business in general. We hadn’t had such clarity of next steps since this began in 2020. I would highly recommend this business to everyone spinning their wheels in this process!

James M.

Client

"I felt I could fully trust him..."

This was not the first public adjuster I called. I called a different company first but they gave me a bad feeling on the phone. Too aggressive. Didn't feel trustworthy to me. So, I kept looking. I came across this company and I had none of those bad feelings. Scott, the guy who took my call, seemed very knowledgeable and I felt I could fully trust him. As it turned out, he told me that my claim was fairly simple and I didn't need the full scope of his service and fees. But, without charging me a fee, he gave me some needed advice on this whole matter of insurance claims which I needed. And told me I could call him back to ask another question or two if necessary. I would recommend this company for these services.

Katie H.

Client

"Scott negotiated to maximize our claim."

I definitely recommend ICRS! Scott and Misty went above and beyond to advocate on our behalf and help us navigate the nightmare of a large loss insurance claim. Scott has worked as a public adjuster for more than 15 years. He was extremely knowledgeable about the process, laws, and holding the insurance company accountable. The initial amount the insurance company agreed to would not have been enough to restore our property, and Scott negotiated to maximize our claim.

Julie Bug

Client

"They are truly a lifesaver!"

I cannot say enough good things about Insurance Claim Recovery Support — they truly feel like earth angels. Misty and Scott helped me through one of the most overwhelming and helpless times of my life. As a single woman dealing with major home renovations after a severe water leak, I was unfortunately taken advantage of by a dishonest contractor. From breaking my TV and not saying a word, to lying about repairs, damaging my sprinkler, inflating estimates with bogus charges, and even threatening legal action — I was completely overwhelmed.

That’s when Misty and Scott stepped in. Their knowledge of the laws and the insurance claims process is unmatched, and their compassion and support were exactly what I needed. They knew exactly how to handle the situation, empowered me with the facts, and guided me every step of the way. They genuinely listened, made me feel heard and understood, and stood by my side when I needed it most. I am beyond grateful for their integrity, expertise, and kindness. If you’re facing a tough insurance claim situation, do not hesitate to reach out to them — they are absolute professionals and true advocates and helped me feel safe in my own home again.

Katie H.

Client

Stop guessing. Stop waiting. Start recovering.

Get the Fire Claim Guide and become the most informed, empowered, and protected policyholder in the claims process.

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