View our success stories
Structural, water, fire damage… When any of these occur, every minute matters. Our accredited claims adjusters help homeowners and businesses save precious time. They also document losses and handle negotiating a settlement agreement with the insurance company. Why? To ensure the compensation amount is fair and fully covers the costs of fire and flood damage restoration.
We know how hard it is to lose control of a situation – that’s why we guide you step by step.
Residential Fire Damage
Kildeer, IL
A devastating fire damage loss destroyed the custom-built home of a semiconductor company CEO. The property included high-end finishes and unique features such as a custom pool with waterfalls. The insurance company initially offered $3.2 million for the fire damage claim. After a thorough review of the architectural plans, trade bids, and every detail of the home’s construction, our public adjusters prepared a complete estimate valuing the loss at $5.6 million.
The case went to appraisal, where a third-party estimator confirmed our valuation. Following negotiations, On-Site Adjusting secured a final insurance claim settlement of $5.1 million — nearly $2 million above the insurer’s original offer.
Get 55% more out of your claim
Residential Fire Damage
Lake Forest, IL
Offer: $945,841
Settlement: $1,732,291
A newly constructed luxury mansion suffered severe fire damage after a contractor accidentally vacuumed a cigarette. The loss was severe, and the insurance company launched a 6-month investigation, delaying payment on the claim.
When On-Site Adjusting took over as the public adjuster, we secured full insurance claim coverage for the property — including drywall, roofing, electrical systems, flooring, tiling, plumbing, and more. This comprehensive settlement ensured the homeowner received the funds needed to restore every aspect of the residence.
Commercial fire damage
Chicago, IL
Offer: $748,772
Settlement: $1,273,945
A fire at a battery manufacturing facility for electric scooters caused extensive fire damage, collapsing the roof and steel support columns and destroying the solar panels. The business also suffered extensive loss of machinery, tools, and materials used for lithium battery production.
On-Site Adjusting, serving as the public adjuster, negotiated a much higher insurance claim settlement than the insurer’s initial offer. Our team handled the entire project from start to finish, covering both fire damage claims and restoration, to ensure the facility could fully recover and return to operations.
Commercial fire damage
Chicago, IL
Offer: $784,915
Settlement: $1,371,745
A commercial fire damage loss occurred at a car wash facility. The insurance company initially offered only $784,915.81 for the insurance claim, far below the actual cost of the damage.
Acting as the public adjuster, On-Site Adjusting carefully documented the damage to the structure as well as the business personal property — from machinery and cleaning systems to inventory and other assets. Through detailed negotiations, we secured a much stronger insurance claim settlement, ensuring the owner recovered the full value of both the property and business contents.
Commercial water damage
Chicago, IL
Asador Bastian (Basque LLC), Restaurant – burst pipe – water damage + mitigation – they spend 4 years building the restaurant, Antient Venezia walls were in water. Special types of woods that we’ve brought over from all over the world.
Owner owns also RPMC food – very solid restaurant in Chicago
Get 55% more out of your claim
Residential water damage
Chicago, IL
Offer: $0
Settlement: $195,371
A dead thermostat battery caused pipes to freeze and burst while the homeowners were away, resulting in catastrophic water damage — flooded floors, a collapsed basement, and widespread interior destruction. The insurance company initially denied the insurance claim, arguing it was not covered.
On-Site Adjusting investigated the loss, bringing in an expert HVAC team to confirm coverage under the policy. Acting as the public adjuster, we overturned the denial and secured a $195K settlement.
Our team also managed the full water damage restoration, including a rebuilt kitchen, new bathrooms, replacement flooring, and a restored basement. From water damage cleanup through final repairs, the home was fully restored — proving that even a denied claim can be turned around with the right expertise.
High-Value Property Damage
Chicago, IL
A luxury yacht was severely damaged after crashing into a breaker wall. The insurance company attempted to settle the insurance claim for just $1.1 million, undervaluing the true extent of the loss. Critical damages — including the electrical system, navigation equipment, engines, and custom interiors — were overlooked.
On-Site Adjusting represented the yacht owner as the public adjuster, reviewing damage reports, inspection findings, and policy details to uncover the full value of the claim. Our team built a comprehensive case that proved the yacht was a total loss.
The result was a $2.7 million insurance settlement — the full policy limit and more than $1.6 million above the insurer’s initial offer. This case demonstrates the importance of expert adjusting in large, complex claims.
Get 55% more out of your claim
Vehicle Impact Damage
Chicago, IL
Offer: $0
Settlement: $230,451
A car being chased by police crashed through a three-layer brick wall, tore down an iron fence, and landed inside a living room, leaving behind severe structural damage. The impact compromised lintel beams, collapsed part of the facade, and required immediate emergency shoring and a sidewalk canopy to protect pedestrians.
The insurance company initially denied the vehicle impact damage claim, insisting the homeowner should sue the driver instead. On-Site Adjusting demonstrated that vehicle impact is a covered peril, documented every layer of damage, and submitted competitive bids along with architectural drawings, zoning approvals, and building permits.
Our team managed the full property restoration and proved the true scope of the loss. The case ultimately settled at $230K, turning a denial into full coverage and a successful rebuild.
Building collapse
Decatur, IL
Offer: $0
Settlement: $396,545
A residential property suffered a basement wall collapse, leaving behind severe structural damage. The insurance company immediately denied the collapse damage claim, stating the loss was not covered under the policy.
We investigated further, bringing in a structural engineer to provide an independent report. The engineer uncovered hidden decay, which triggered collapse coverage in the policy language. By interpreting the fine print and leveraging the policy wording, we overturned the denial and proved coverage.
The result was a $396K insurance claim settlement, exceeding policy limits and fully addressing the structural loss. This case shows how expertise in policy interpretation and independent engineering reports can turn a denial into a successful claim.
No client case is ever the same. Each one has its own unique circumstances and background. That’s why working by a template is neither possible nor right. As home and business public adjusters, we analyze every situation and see it through to completion.
The insurance company isn’t interested in fully covering your expenses – but we definitely are. That’s why we offer adjuster services exactly when you need someone on your side.
It’s not always clear where to begin when dealing with a residential or business interruption insurance claim. But you don’t have to go through it alone. Adjusters on demand from On-Site Adjusting are ready to step in whenever you need immediate help.
We are licensed in Wisconsin, Illinois, and California. What does this mean for you? You’re working with a team that operates officially, knows local regulations, and takes full responsibility for every decision made.
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NEXT SUCCESS STORY
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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Lowball offers, endless delays, and a dozen ways to say “not covered.” Sound familiar? 👀
👉 That’s why Public adjusters exist. We cut through the excuses and fight for your full payout.
💬 Drop a comment: What’s the most ridiculous excuse you’ve heard from an insurance company?
#insuranceclaim #publicadjuster #insurancehumor #insurancepayout #deniedclaim #onsiteadjusting
Hidden decay = hidden coverage 🔑
A building collapse, a denied claim, and an insurer that thought they could walk away.
Our public adjusters investigated, hired engineers, and found hidden structural decay that triggered coverage under the policy.
Final outcome? $396K paid out — above the policy limits.
When insurers play games, we play smarter.
👷♂️ Structural damage? Denied insurance claim?
Let’s uncover the truth — free claim review available now!
Made it through the fire?
Now don’t let paperwork, delays, or one wrong move ruin your recovery.
Here are the most common (and costly) mistakes people make after fire damage — and how to avoid them.
📲 Book a free consultation with our team today.
We fight for what your insurance owes you 👌
Before the insurance company writes their lowball estimate, we’re already on-site.
✅ Securing the property
✅ Documenting real fire damage
✅ Protecting the policyholder
First step after a fire: protect what’s left.
We handle emergency board-up and fight for your insurance claim.
📞 DM us or call 866-861-4992 for immediate help.
Insurance language is full of delays, fine print, and word games.
Sometimes the translation is way clearer than the original.
👉 Save this post for the next time your insurer calls.
❓Which “translation” have you heard the most? Drop it in the comments 👇
Insurance Claims, Public Adjuster, Insurance Humor, Insurance Delays, Fire Damage, Water damage
Insurance companies love to pretend they don’t see the real fire damage 🙈
✅ As licensed public adjusters, we review every detail of your insurance claim and fight back when they try to downplay losses.
💬 Have you ever had an adjuster minimize your fire or water damage?
Public adjusters can often help you secure 200+% more on your insurance claim settlement.
Why?
Because we dig deep into your policy, identify hidden coverage, and make sure you actually receive the benefits you’ve been paying for.
At the end of the day, insurance is a contract — not a favor 😉
The Right Insurance Agent Makes All the Difference
It’s not just about picking a name off a list — the agent you choose can shape how well you’re protected when things go wrong 🤔
A good one helps you get real coverage.
A bad one? Missed details, slow responses, and stress when you need support most.
Choose smart. Your future self will thank you 🙌
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