ICC Insurance claim flooring valuation and replacement
Introduction | Process
| Re-inspection service | Dispute
The ICC Insurance Claim Flooring Valuation and
Replacement Program (ICC) is an independent Canadian national flooring
appraisal and replacement service offered to insurance companies.
The ICC service is offered to all Canadian Property
Insurance Companies and their Independent Adjusting partners. The program
is financially supported by a network of Canadian professional floor
Wherever possible, Insurers and their service
providers are asked to work with member retailers for any flooring and
labour replacement services that may be necessary for their valued
clients. Failure to use the replacement services offered by the member
network undermines the intent of the program and ultimately the ability to
extend this program to participating insurers.
The mission of the ICC Insurance Claim Flooring Validation and Replacement Program is to assist both the Insurer and Insured to fairly and accurately determine the quality of the latter’s damaged flooring and to recommend currently available product alternatives of like, kind and quality. ICC currently evaluates Carpet, Hardwood, Resilient Flooring (vinyl), Laminate and related under pad products. To fairly evaluate the damaged flooring surface, ICC will test the material by:
- Determining the quality characteristics of an
Insured’s existing (damaged) flooring though the application of
professional testing procedures.
- Recommending currently available flooring products
that are of like, kind and quality. Based upon the like, kind and
quality suggested, offer a recommended fair replacement value for the
damaged flooring available through any one of the ICC network members.
- Replacing, if appropriate, the damaged material
through an ICC network member with the recommended like, kind and
- Document for audit and re-inspection purposes the
replacement material selected by an Insured.
- The above process is a protection for both the Insured and Insurer
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The process to utilize the ICC validation service is
- For all floorings requiring replacement, a small
(4” x 4”) sample of damaged material is forwarded to ICC together
with a completed Validation Form (see Forms section). The sample can
be sent to ICC via ICS courier, Canada Post or any other delivery
service the sender may use.
- Within 24 hours of receiving the damaged flooring
sample, ICC will complete and then fax or email a copy of a Validation
Report to the Insurer and its service providers. The report will
detail the existing flooring quality, recommended replacement
alternatives and costs highlighting local ICC program member(s).
- To proceed with replacement, a copy of the
Validation Report should be faxed to the selected ICC program member.
- The ICC program member will present the
recommended alternatives to the Insured and then provide a detailed
material and installation replacement cost quotation (see Forms
section) to the Insurer in accordance with the Validation Report.
Flooring samples can be sent to ICC by Staff
Adjusters, Independent Adjusters, Restoration Contractor and ICC program
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ICC maintains a specification database of most
flooring products manufactured in North America.
Insurers should require that all invoices for
flooring replacement document the mill/manufacturer, style name, style
number and quantity provided.
With this information, ICC can be used as a
To request a re-inspection please proceed as follows:
- Call the ICC Validation Facility
- Provide your name and company
- Advise our office of the nature of your inquiry
(specification comparison etc…)
- Be prepared to provide the manufacturer and style
name of the product in question and the corresponding ICC Validation
- The above can also be requested by sending the
requested information by fax or email to ICC.
A service fee may be applicable to non-subscribing
Insurers, if so, ICC will contact the requestor prior to completing a
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ICC retains small swatches of each sample forwarded
for Validation for a period of two (2) months from date of receipt.
These samples can be accessed for further review
should the Adjuster, Independent Adjuster or Restoration Contractor
require additional information regarding the original report completed.
To request a review please proceed as follows:
- Call the ICC Validation Facility.
- Provide your name and company.
- Request a review of a particular sample by
providing the Validation Number that corresponds to the original
Validation Report provided.
- State the nature of the concerns being raised.
- ICC will record the above, review and retest
the Flooring sample and then contact you.