Our Services

Co-Insurance Evaluations

ILC provides detailed co-insurance evaluations to support accurate claim settlement and compliance with policy requirements.

Two hands exchange an orange binder labeled

Ensuring Compliance and Fair Claim Resolution

Our consultants assess the declared values presented by the insured against the actual value of machinery and equipment at the time of loss, helping determine whether co-insurance penalties apply. Using our technical expertise and valuation background, we deliver clear documentation and support to ensure fair and defensible outcomes. This service is especially valuable when ACV/RCV valuations are in question, or when underinsurance may affect claim resolution.

A woman in a cozy mustard sweater concentrates on a laptop in a bright, modern office. She's holding a pen, signifying thoughtfulness and focus.

Untangling Complex Claims

High-value equipment damaged in a loss often comes with limited information, coverage questions, or missing documentation, making it difficult to adjudicate the claim correctly. In these scenarios, claim adjusters need clear, defensible answers; they need ILC.

Balancing Cost and Coverage Decisions

When critical machinery and equipment, vital to a business's operation, are damaged, the decision between repair options and complete replacement can have a significant impact on the overall claim value. Without accurate technical validation, the risks of overpaying and under-serving the insured are real.

Beating the Clock on Claim Resolution

Each day that a claim remains open, the associated loss ratios and business interruption costs increase, highlighting the importance of prompt resolution to mitigate financial impacts. Rapid, fact-based assessments are crucial for maintaining timeliness and controlling costs.

ILC Helps You Make Confident Decisions

Technical Expertise

ILC specializes in investigating complex machinery and equipment losses, providing expert cause-of-loss evaluations, ACV/RCV assessments, and repair versus replacement solutions.

Support from Start to Finish

From on-site inspections to accurate desk reviews, ILC provides end-to-end service for minor claims to the most complex. Our services include determining cause-of-loss, to on-site technical clerking of large loss claims throughout the country.

Independent & Trusted

ILC provides nationwide coverage, providing an independent, unbiased, solutions-based approach to small and large claims involving machinery and equipment. Helping our clients make informed decisions that keep their claims moving forward.

Submit an Assignment

Case Studies

Real Claims, Real Results

Fire Damage on Aluminum Casing Line

Solution to Repair Instead of Replace Reduced Claim By $1.5M

Breakdown of CNC Machine

Repair vs. Replace Solution Reduces Claim By $600,000

Damaged Car Wash Systems

Reduced Claim by $32K

Damaged in Transit - Corrugated Box Making Machine

Missing seals and transit mishandling

Explosion at Condo Association

$1M+ in Equipment Retained Through Repair vs. Replace

Explosion at Ethanol and Ethanol Co-Products Plant

Claim Reduction Over $9M

Explosion at Ethanol and Ethanol Co-Products Plant

Reduced Claim By Nearly $6M

Explosion in Saturator Converting Line

Prevented $12 million in Business Interruption

Fire at Chemical Processing Facility

Lead Time and Reduction by Over $15M

Fire at Livestock Rendering Plant

Uncovered $4.5M in Betterments

Fire Damage at Concrete Batch Plant

Repair vs. Replace Significantly Reduces Claim Costs

Fire Damage on Film Line

Lead Time Cut by 14 Months, Reducing Costs by Over $1.5 Million

Fire Damage on Metal Processing Equipment

Reduced Claim Cost by over $700,000

Fire Damage with Healthcare Equipment

97% Reduction in the Claim

Fire in Electrical Control Systems

Reduced Claim by Nearly $1M

Fire Loss of Life Science Equipment

Reduced Claim Costs More Than $3.5M

Fire/Water Damage at Aluminum Beverage Can Manufacturing

Result in Reduced Claims Cost of Nearly $3M

Flood Loss at Indoor Water Park

Reduced Claim by $400k with Pre-existing Findings

Freezing Pipes & Water Damage In Boiler System

Solution to Repair Mitigates BI and Reduces Claim Over $85,000

Hail Storm at Manufacturing Facility

$11k Repair Instead of $800k Replacement

Lighting Surge at Packaging and Printing Facility

Restoring to Pre-loss Reduced Claim by $2.9M

Mechanical Breakdown at Gun Manufacturing Facility

Reduced Business Interruption by 14 weeks

Mechanical Failures on Horizontal Grinder

Identified Failures Stemming from Inadequate Repairs

Tornado Hits Agricultural Equipment Manufacturer

ROM Reduced by Millions with ILC’s Involvement

Water Damage at Chemical Feed Water Line

$1.6M Reduction in Pre-existing Conditions

Water Damage to MRI Machine

Medical Equipment Repair Costs Reduced by over $100,000.

Water Damage with Fire Pump System

Reduced Repair Cost by almost $4k
A smiling man in a blue shirt and glasses sits at a desk using a laptop, wearing a headset. A clipboard rests nearby. The setting is bright and modern.
Choose ILC

Back to Business 

  • Submit your assignment

    Easily submit your assignment with our form

  • Get a quick response

    We respond to most projects within 24 hours or less

  • Get a plan

    Receive recommended solutions and an action plan

Continuing Education

Don’t Miss Our Next Webinar

Thu, May 14, 20262-3 PM CST

Digging into Failure: Heavy Machinery Losses

Excavators, cranes, and bulldozers keep projects moving—but when they fail, the costs are huge. This one-hour course gives claims professionals the tools to understand, evaluate, and document heavy machinery losses with confidence.
Presented by: Charvak Karpe, M.S.E.E., Electrical Engeineer
  • Read more

The Experts Behind the Best Outcome.

Submit an Assignment