ABOUT ON-SITE ADJUSTING - On-Site Adjusting

866-861-4992

866-933-0404

(866) 861-4992

(866) 933-0404

The Claim Experts
Your Insurer Hopes You Don’t Call

We protect homeowners and business owners from lowball insurance payouts — and fight to get you every dollar you’re owed

Who Are We?

On-Site Adjusting is a team of licensed public adjusters who have been protecting clients in property insurance cases for over 15 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 150–300%. The largest amount we helped a client recover after underpayment by an insurance company exceeded $3.1 million.

Yes, our team assists with the filing and settlement of insurance 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

MEET OUR TEAM

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OUR MISSION IS SIMPLE:
PROTECT POLICYHOLDERS

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WHY HOMEOWNERS AND BUSINESS OWNERS
TRUST ON-SITE ADJUSTING

No Fee Unless We Increase Your Settlement

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Expertise in Residential & Commercial Claims

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We Handle the Entire Claim for You

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Evidence-Driven Documentation

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Licensed, Experienced Public Adjusters

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A Reputation Built on Results

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PROVEN RESULTS

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“Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.”

Commercial fire damage

Residential fire damage

Car crash through a house

Residential fire damage

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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

READY TO GET YOUR PROPERTY
BACK TO NORMAL?

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(866) 861-4992

THE CORE VALUES OF ON-SITE ADJUSTING

YOU COME FIRST

Your home and your peace of mind lead every decision we make. We guide you with clarity, protect you with expertise, and stand by you through the entire claim.

EXPERT ADVOCACY

We may not have 50 years behind us, but we’ve successfully handled hundreds of commercial and residential claims with today’s methods, tools, and insurance standards. Our focus is on current best practices.

YOUR OPERATIONS COME FIRST

Whether it's a restaurant, office, rental property, or retail space — we prioritize protecting your ability to operate. Every decision we make is designed to reduce downtime and support your business continuity.

DEPENDABLE SUPPORT

When damage happens, you need someone steady on your side. We show up, we follow through, and we stay with you until the job is done — start to finish.

COMMUNITY TRUST

Most of our work comes from referrals. That trust means everything to us, and we work hard to honor it with every claim we take on.

STEADFAST LOYALTY

We represent policyholders only — never insurance companies.

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Claims settled

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Largest Underpayment Recovered

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Average Claim Amount

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Average Claim Increase

READY FOR A FAIR SETTLEMENT?

Your insurance policy is meant to protect you — not the insurance company. Let us help.

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Licensed Public Adjusters | Restoration contractors

onsiteadjusting

103

We fight to maximize your insurance claim!
🏆 700+ claims won
🇺🇸 IL | CA | WI
Call us for a free consultation ⬇️
+1 (866) 861-4992

onsiteadjusting

Nov 19

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! 🙌

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! 🙌 ...

onsiteadjusting

Nov 3

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

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 ...

onsiteadjusting

Oct 28

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

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 ...

onsiteadjusting

Oct 20

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 😉

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 😉 ...

onsiteadjusting

Oct 15

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

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 ...

onsiteadjusting

Oct 10

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!

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! ...

onsiteadjusting

Oct 1

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 👌

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 👌 ...

onsiteadjusting

Sep 26

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.

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. ...

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On-Site Adjusting

5.0

Based on 36 reviews

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Zin Myo Htwe 2020

11:22 05 Nov 25

Came home from vacation to a total disaster - a burst pipe had flooded half our house. A friend told us to call Mike, and that was the best advice ever. He took over the whole insurance process, fought for the right settlement, and made sure everything was fixed fast. Can’t thank him enough!

23:00 30 Oct 25

A blocked chimney caused a fire that spread fast. The flames were put out, but the smoke damage was brutal. Insurance gave us the runaround, claiming only “partial coverage.” On-Site Adjusting fought for the full claim, and thanks to them, we got the repairs done right. If insurance is making excuses, call these guys.

Peter Franeczek

02:11 01 Oct 25

I have used Mike and his team for water damage claim in one of my buildings in Chicago, he handled everything from water clean up to full restoration, the Insurance company wanted to offer a fraction of the final estimate that he negotiated. Very satisfied, very professional.

19:23 21 Sep 25

One of our rental units had an electrical fire, and while no one was hurt, the place was unlivable. Insurance was slow to respond and kept saying the repairs weren’t "urgent." Meanwhile, our tenants had nowhere to go, and we were stuck covering extra costs. On-Site Adjusting stepped in, kept the pressure on, and didn’t let the insurance brush anything under the rug. Without them, we would’ve been waiting for months. If you have a rental property and think insurance will just handle things - don’t count on it.

Alexandra Barison

10:42 16 Sep 25

Left a candle burning in the bedroom, and somehow it caught the curtains. The fire was out quickly, but the smoke spread everywhere - walls, furniture, even inside the vents. Thought insurance would cover everything, but they tried to lowball us hard. Mike stepped in, knew exactly how to handle them, and got us a proper payout. He made the whole process way less stressful. Now the house is back to normal!

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!

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

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!

06:37 07 Jun 25

"I can’t thank Mike and his team enough! When my property was damaged, I thought dealing with the insurance company would be straightforward, but I was so wrong. They initially refused to accept my claim, saying the damage wasn’t covered, and I felt completely lost. That’s when Mike stepped in. He reviewed my policy in detail, found loopholes the insurance company had overlooked, and built a case to prove the damages were indeed covered. He handled all the negotiations, kept me updated every step of the way, and fought tirelessly on my behalf.Thanks to Mike’s expertise, not only was my claim approved, but he also secured the highest possible compensation, far more than I thought I’d get. The repairs were completed perfectly, and my property looks even better than before. Mike and his team truly are lifesavers, and I wouldn’t hesitate to recommend them to anyone facing insurance issues!"

14:46 19 May 25

We had an amazing experience with On-Site Adjusting! After the damage to our property, we were completely overwhelmed and didn’t know where to start. Mike and his team guided us through every step, making sure we understood the process and felt confident in the decisions being made. They kept us updated throughout and worked hard to get everything resolved smoothly. Thanks to their efforts, the repairs were completed perfectly, and we couldn’t be more grateful. We’re thrilled with the outcome and highly recommend On-Site Adjusting to anyone in need of help!

Rocio Macarena Caceres

11:57 30 Apr 25

The team at On-Site Adjusting is incredible! My insurance company was preventing the payment for 3 months, but these guys knew exactly how to handle them. They got my claim sorted quickly and the repairs done even faster. I’m so impressed with how professional and reliable they were.

ROY PAUL OKELLO

22:12 10 Apr 25

I was so stressed trying to deal with my insurance company after fire damage to my home. They were dragging their feet, asking for endless documents, and giving me the runaround. Mike and his team at On-Site Adjusting made the whole process easy. They handled all the paperwork, negotiated with the insurance company, and got me a settlement that covered all the repairs. The work was done beautifully, and now it feels like the fire never happened.

11:48 02 Apr 25

We had some serious roof damage, and dealing with the insurance company was turning into a nightmare. Then we found On-Site Adjusting, and everything changed. They took care of all the paperwork and negotiating, and we didn’t have to worry about a thing. The repairs were done on time and look fantastic. Can’t thank them enough!

16:03 06 Mar 25

I had a pipe burst in my house, and water was everywhere. A friend told me about On-Site Adjusting, and I’m so glad I called them. They took over the claim process and made sure I got the settlement I deserved. The repairs were done quickly, and the team was professional and friendly. Highly recommend them!

philip goranski

20:48 21 Feb 25

Mike is an absolute lifesaver! When a tree fell on my house, I was panicking about what to do. He walked me through the whole process, handled the insurance company, and made sure I got every cent I needed to fix everything. If you ever need help with a claim, Mike’s your guy!

prasanth HiCET MBA FACULTY

18:28 12 Feb 25

Mike and his team are amazing! After a fire left our property badly damaged, we felt completely overwhelmed. Mike took charge, explained everything in a way we could understand, and dealt with the insurance company for us. The repairs turned out fantastic, and it felt like such a weight was lifted off our shoulders. Couldn’t have asked for a better experience!

04:16 28 Jun 24

Frankie and Mike helped soo much I can't explain. They got us more then quaduple the amount of of money the insurance company origally offered after my house had a fire. Couldn't recomend them high enough.

03:24 03 May 24

Thank You ON-SITE Adjusting for being available, offering the Protection that Every Insurance Policyholder Needs. Truly, Every Policyholder should be educated on the 'Crucial Importance' of having representation when filing an insurance claim of any sort.. PLEASE - NEVER FILE A CLAIM ALONE!In my experience with dealing with insurance companies, I have personally witnessed that an insurance company views a policyholder as valuable until the policyholder files a claim... This was my experience with Acuity Insurance... after filing a claim with Acuity Ins regarding a water/fungus infiltration, that occurred in 2023 on a number of occasions related to the Illinois deluge, which was later declared a Federal Disaster, unbeknownst to me, Acuity Insurance began an investigation under the pretense 'bringing in another adjustor' who insisted on recording and asking questions totally 'unrelated to the water infiltration of the 2023 Federal Disaster.HOWEVER, upon retaining On-site, the insurance company demeanor changed 'drastically!!" I Wish to humbly Thank Frank and Mike of On-Site who strongly advocated for me.I will continue to promote On-Site services to as many persons that I come in contact with, that no one shall every again be defrauded by their insurance carriers!!**To Whoever Reads This, PLEASE SHARE and Never Be Defrauded By Your Insurance Carrier!!**

17:05 23 Apr 24

Quick, painless and with good communication. These guys saved me so much money! My insurance made it seem like the damage was nothing serious and offered little to no money for repairs. When i hired OnSite they battled for me to get over 10 times more than initially approved by the claims department. So happy! And would recommend to friends and family.

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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