Frozen Pipe
Claim
Frozen water inside pipes expands, bursting them from within and flooding your property. The outcome is even worse if the pipes run beneath the concrete slab or foundation. But the real shock comes when your insurer says that frozen pipe damage isn’t covered.
On-Site Adjusting is a licensed public adjuster and contractor. We fight for the maximum frozen pipe insurance claim payout and perform full restoration work.
We work for YOU – not your insurance company.
Frozen water inside pipes expands, bursting them from within and flooding your property. The outcome is even worse if the pipes run beneath the concrete slab or foundation. But the real shock comes when your insurer says that frozen pipe damage isn’t covered.
On-Site Adjusting is a licensed public adjuster and contractor. We fight for the maximum frozen pipe insurance claim payout and perform full restoration work.
We work for YOU – not your insurance company.
Why Is Your Insurance Claim For Frozen Pipes Turning Into a Nightmare?
Insurance companies profit by paying out as little as possible. Their adjusters focus on minimizing costs — not helping you. After the stress of water damage from frozen pipes, you’re left fighting a system that’s not built to support you.
Top Problems Homeowners Face When Filing a Claim
Claim denial
Insurers look for any reason to refuse payment — for example, claiming you didn’t insulate the pipes properly or didn’t maintain adequate heat.
Lowball estimate from the insurer
Hidden damage is often ignored: moisture in the concrete, damaged wiring, and more. The insurer “doesn’t see” it — but independent claim adjusters do.
Delay tactics
They offer a “quick check” — a tiny sum, but right away. The idea is simple: you’re exhausted, scared, without water or heat — and likely to accept anything.
No matter what’s happening with your claim, we know exactly what to do.
When Should You Call On-Site Adjusting?
“They gave me a ridiculous offer…”
The insurer’s adjuster doesn’t represent you. If something feels wrong, don’t settle. Call us for an independent damage assessment.
“A frozen sewage pipe just burst. What should I do?”
Call us first — before you contact your insurance company. Acting fast protects your rights and prevents them from blaming you for delays.
Many frozen pipe insurance claim denials happen not because of the damage itself, but due to lack of evidence: no before-and-after photos, no temperature records, no plumber’s report. Document everything right away — photos, thermostat readings, first actions. Our job is not only to file the claim but also to prove the full extent of damage, including hidden ones like frozen pipes in slab foundations.
Every day you delay benefits the insurer.
Don’t let that happen — call now to secure your payout and quality restoration.
One Call to On-Site Adjusting — and We Handle It From There
From now on, you don’t need to argue, prove, or waste your time. We handle negotiations and stay with you until every job is done.
How do we work?
Step 1. Securing the Maximum Payout for Your Insurance Claim
We’re not the kind of company that just sends a bill to the insurer — we make them cover the true cost of the damage. How do we do it?
- Policy analysis. We identify the clauses that cover your frozen water leak insurance claim and apply them to your specific case.
- Documenting the consequences. We prepare a detailed report with the full scope of the loss.
- Cost evaluation. We calculate the actual cost of cleanup and repair after water damage from frozen pipes, which may not be in the insurer’s best interest — but it’s fair to you.
- Negotiation and settlement. We present the insurance company with solid, irrefutable evidence — and we don’t stop until you receive a fair settlement.
Step 2. Providing Frozen Pipes Damage Restoration
Once the funds are approved, we begin frozen pipe repair right away. Since we’ve already completed the assessment, we know exactly where to start.
Here’s what we do:
- Emergency water extraction. Removal of water that leaked from a burst frozen pipe — from floors, walls, and ceilings — before it causes secondary damage.
- Dehumidification. Drying of the concrete base, slabs, and insulation after flooding caused by a frozen pipeline.
- Structural repairs. Dismantling and replacing frozen pipes in concrete slab or foundation, restoring damaged floors, waterproofing, and insulation to prevent refreezing.
- Asset restoration and replacement. Assessment of property destroyed by water from frozen pipes and obtaining compensation for full replacement — not just cosmetic repair.
Rules and regulations regarding public adjusters being restoration contractors change by state
In Illinois, OSA can provide both public adjusting and restoration services on the same claim.
In Wisconsin and California, we cannot legally provide both services on the same claim — but we do maintain a trusted network of restoration contractors and can recommend the right partner for your situation.
In Illinois, OSA can provide both public adjusting and restoration services on the same claim.
In Wisconsin and California, we cannot legally provide both services on the same claim — but we do maintain a trusted network of restoration contractors and can recommend the right partner for your situation.
Partnership With On-Site Adjusting — No Headaches
Your insurance company will likely send its own preferred vendor. But who are they really working for? Those contractors serve the insurer’s interests, not yours. Their goal is to minimize costs — often leaving you with low-quality repairs and ongoing issues. We work exclusively for you.
Who We Help
Homeowners
Business owners
Members of Homeowners / Condominium Association
Rental property owners
We provide frozen pipe cleanup services and public adjusting in
Illinois, Wisconsin, California
Don’t Settle for Less Than You Deserve
Your insurance company has experts on their side — so should you. We assess the full extent of the damage and show you what your claim is truly worth.
Another homeowner protected 🤝
Another claim handled the right way.
Whether it’s water damage, fire loss, storm impact, or structural issues, we step in when your insurer falls short.
Thank you to our clients for trusting On-Site Adjusting when it matters most! 🙌
When property damage looks impossible — it usually just means the insurer hasn’t looked close enough.
👀 Every claim has fine print.
🔍 Every “denial” has a loophole.
You just need someone who knows where to find it.
💬 Have a claim or denial? Let’s review it for free — 866-861-4992
Sometimes it takes one small detail to turn “denied” into “paid.”
That’s why we dig deeper. Every time.
💧 Water damage doesn’t wait!
👉 Free claim review — 866-861-4992
☑️ We’re licensed public adjusters in IL, WI and CA
Watch this before you sign anything 🔥
After a fire, timing is everything.
There are 3 key phases — emergency response, adjusting, and restoration.
Miss one, and your insurance company might use it against you 🙈
Save this post for reference — it could protect your payout 👌
Follow us for more insurance tips 😉
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.
