Public Adjuster Wisconsin

House fire, burst pipe, or toilet overflowing from tank? Terrible situations that always catch you off guard. We are local public adjusters, and we will take care of everything. We will file an insurance claim for water and fire damage and fight for a fair compensation payout.

The consequences of a fire, burst pipe, slab leak, or flooding are undoubtedly devastating. Owners of residential and commercial properties in Wisconsin are left alone with damaged walls, pipes, or foundations.

Usually, in such cases, people call the insurance company hoping to get money for restoration work or a full repair. However, their hope cruelly crashes against reality. The insurer is interested in minimizing the payout as much as possible, which is exactly what they do — looking for loopholes in the policy or documenting only half of the harm caused. In the end, everyone wins except the owner.

However, there is a way to win if you have an experienced public insurance adjuster from On-Site Adjusting on your side. They will assess and document the damages, file independent claims, and handle negotiating a settlement agreement with the insurance company.

Take the burden off your shoulders — you are not alone in the fight for justice with us.

fire damage claimafter fire damage restoration

TOP PROBLEMS POLICYHOLDERS FACE WHEN FILING A CLAIM IN WISCONSIN

Claim denial

They look for any excuse to say that your water damage coverage on homeowner's insurance doesn’t apply in this case.

Lowball estimate from the insurer

Hidden damage often gets ignored. For instance, mold growing behind a wall may be conveniently “missed” in the inspection.

Pressure tactics

They offer quick, low payouts, hoping you’ll take the money out of frustration and stress.

Water or fire damage not only harms property. Such emergencies disrupt the usual rhythm of life, shake financial stability, and emotionally knock you off track. Moreover, if commercial property is affected, the business should expect loss of use damages, with consequences such as downtime, dissatisfied customers, negative impact on reputation, and loss of part of the income.

Going through the complex process of insurance claims is not easy, and it is even harder if you do not understand legal and regulatory matters. As a public adjuster insurance adjuster, we act decisively, clearly explain each step, and always put your interests first. We know what real losses look like – and how to properly conduct a total loss inventory. What do we deal with every day? In short:

  • Fires: from local blazes to the complete destruction of a building.
  • Flooding: burst pipes, overflow for toilet, foundation damage.
  • Natural disasters: hail, storm, or wind damage.

According to state law, we cannot perform repair work directly. However, we have a wide network of trusted contractors. We will refer you to the best specialists, ensuring that you get quality repairs without overpaying.

On-Site Adjusting is a team of the best claims adjusters for home and business. We work in Wisconsin under license No. 16960983. We know how to get the maximum from the insurance company legally. We are ready to listen to your story and offer a strategy that works. We are here to protect you.

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Illinois Public Adjuster Agency License #3000872396
IL License No: 16960983
WI License No: 16960983
CA License No: 4388919
CA License No: 6012768

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    Manuel Lucero
    20:46 31 Aug 25
    Our insurance company tried to lowball us after a fire. We were getting nowhere until we called Mike. He went through our policy, handled all the back-and-forth, and made sure we got the full payout needed to rebuild our home properly. No way we could’ve done this without him. Absolute pro!
    Luka
    14:55 02 Aug 25
    We had a big issue with water damage in our house, and I didn’t even know where to begin. A friend suggested I call On-Site Adjusting, and it was the best decision ever. They made the claims process super easy, and the repairs turned out amazing. If you need help with property damage, call them - you won’t regret it
    Madi Jewellers
    20:32 23 Jul 25
    Mike is one of the most professional and helpful people I’ve worked with. After water damage flooded my property from a burst pipe, I was lost trying to figure out the claim. He handled everything with the insurance and made sure the Mike was incredibly patient and truly took the time to understand the challenges I was facing after water damage left my property in disarray. He carefully reviewed the situation, explained my options, and provided clear steps to ensure everything was resolved without unnecessary expenses. Thanks to Mike, the repairs were completed quickly and professionally. I couldn’t be happier with the outcome and highly recommend him if you’re in need of a reliable public adjuster!

    Not sure if you fit into our service area?

    WE WORK FOR YOU, NOT THE INSURANCE COMPANIES

    Real Value, Not Lowball Offers

    With 700+ claims secured, we fight for the full payout your loss deserves — not the insurer’s first offer.

    Full Recovery: from Claim to Rebuild

    One team handles it all: documentation, negotiations, and complete restoration.

    24/7 Response. Fast Results

    We’re always on call — ready to assess damage, build estimates, and launch your recovery plan without delay.

    Who Are We?

    On-Site Adjusting is a team of licensed public adjusters who have been protecting clients in property insurance cases for over 5 years.

    We work with residential and commercial claims in Wisconsin, Illinois, and California, helping property owners receive fair compensation after fire, water, wind, storm damage. Moreover, we control the entire process – from damage assessment to settlement negotiation.

    We believe that everyone who pays insurance premiums every month deserves full compensation. Thanks to us, insurance payouts increase by 30–50%. The largest amount we helped a client recover after underpayment by an insurance company exceeded $3.1 million.

    Yes, our team files public claims, but that’s not all. We give you back the most important thing – control over the situation.

    I’ve seen too many good people get lowballed after serious damage. You need someone who knows how the system works — and isn’t afraid to push back against the insurance company until every dollar of your loss is accounted for.

    Mike Kwak, Founder of On-Site Adjusting

    WHO WE HELP

    Homeowners

    Has your home suffered fire and water damage? As your public adjuster for insurance claim, we fight for compensation that fully covers your repair costs.

    Business owners

    Has a fire or flood at your business paralyzed operations? We handle business interruption insurance claims and do everything to compensate for downtime and loss of profits.

    Rental property owners

    Damaged housing hits your wallet. And not only because of repair costs, but also because of daily losses of rental income. Stop going into the red – it’s time to file a loss of use claim.

    Members of Homeowners / Condominium Association

    One event – dozens of victims. We coordinate large loss insurance claims procedures. We are interested in ensuring that each member receives their share of the compensation.

    Homeowners

    Has your home suffered fire and water damage? As your public adjuster for insurance claim, we fight for compensation that fully covers your repair costs.

    Business owners

    Has a fire or flood at your business paralyzed operations? We handle business interruption insurance claims and do everything to compensate for downtime and loss of profits.

    Members of Homeowners / Condominium Association

    One event – dozens of victims. We coordinate large loss insurance claims procedures. We are interested in ensuring that each member receives their share of the compensation.

    Rental property owners

    Damaged housing hits your wallet. And not only because of repair costs, but also because of daily losses of rental income. Stop going into the red – it’s time to file a loss of use claim.

    Licensed Wisconsin Public Adjuster Service Area

    Don’t see your city listed? Contact us — we serve homeowners and businesses across all of Wisconsin

    Commercial fire damage
    Residential fire damage
    Car crash through a house
    Residential fire damage
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    Every case you see on the left is more than just impressive numbers and equally impressive visuals. These are stories of people who faced loss, uncertainty, and complex settlement negotiations with insurance companies. Behind every figure is a home, a business, or a community that needed compensation and demanded justice.

    In our 5 years of work, we have realized: experience is not just an advantage – it is a necessity. With each year, the On-Site Adjusting team becomes more precise, faster, and more attentive to details.

    We do not work by a template, as insurers often do. Instead, we analyze situations more deeply, carefully inspect the property, and find what is often deliberately overlooked by the agent. We document hidden damages, undervalued losses, and missed details – everything that could potentially affect the payout amount. That is why our clients receive 30–50% more than what was initially offered.

    We do not promise magic, but we guarantee professionalism. And if you see yourself in one of these cases, know this: we are ready to fight for your outcome just as we fought for each of them.

    Questions about your property damage? We’ve got answers.

    Problems We Solve

    Frequently Asked Questions

    Have questions about insurance claims or compensation? We have the answers!

    An adjuster sent by the insurance company works for them. Their job is to minimize your payout and save money for the insurer. An independent public adjuster, like On-Site Adjusting, works exclusively for you and protects your interests.

    Yes. The main thing is to keep all documents, photos, and receipts related to fire and water damage and expenses. We can help file residential or commercial claims even after work has begun.

    We assess the damages, create our own evaluation, negotiate with the insurance company, and manage the entire process – from the first call to the final decision. The duration of settlement negotiations depends on the complexity and extent of the damages and on whether the insurance company is willing to cooperate. In any case, we strive to speed up the process and minimize delays.

    Yes. On-Site Adjusting is a licensed independent adjuster. We operate in Wisconsin under an official license (No. 16960983), giving us the legal right to represent residential and commercial property owners in insurance matters.

    According to local law, we do not provide restoration services directly. However, we can recommend trusted contractors who specialize in fire and water damage restoration, according to the type of damage and the scale of the loss.

    We cover a wide range of water damage: burst pipes, flooding, roof leaks, sewer backups, and house slab water leaks – one of the most complex forms of hidden loss. We carefully document the damages, create an independent evaluation, and secure fair compensation for property owners in Wisconsin.

    Whether it’s a burst pipe, fire loss, or storm damage, On-Site Adjusting protects property owners from underpaid claims.

    📲 Public adjusting + restoration expertise = stress-free recovery
    ...

    🔥 Palisades Fire Update: Families are still waiting for fair insurance claim settlements after devastating fire damage.

    We’re licensed public adjusters.
    We don’t work for insurance companies — we fight them to secure the payout you deserve.

    📲 DM us if you or someone you know needs a free fire claim review
    ...

    California, we’re in your corner 🤝

    From fire and water damage to denied or underpaid claims — On-Site Adjusting is now licensed to protect YOUR payout.

    📞 Claim help starts here - (866) 861-4992
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    If your claim feels like a battle — you don’t have to fight alone.

    📩 DM for your free claim check — we’ve got you

    #claimhelp #OnSiteAdjusting #insuranceclaimhelp
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    Insurance adjusters won’t tell you this…

    If you make these 3 mistakes after fire damage, your payout could shrink fast:
    🚫 Cleaning instead of replacing
    🚫 Letting them “seal” damaged structure
    🚫 Trusting their preferred vendors

    You paid for full coverage. You deserve a full recovery.

    ➡️ Reach out to us for your free consultation today!
    ☑️ We’re licensed public adjusters and restoration experts
    ...