Weight of Snow
and Ice Claim
Snow and ice accumulate unnoticed. In a cold climate, their weight presses down on the roof, causing it to sag and eventually collapse completely. The structure may crack inward, break through the flooring, and cause internal water damage. You lose your home or business, and with them — your sense of security. But the real problems begin after the collapse. The insurance company drags its feet, looks for excuses to deny or reduce the payout. And the compensation they offer barely covers cosmetic repairs.
On-Site Adjusting is a team of licensed public adjusters and restoration contractors specializing in building collapse for residential and commercial claims. What do we do? We prove the real scope of the damages, secure full compensation, and take over complete restoration.
We work for YOU – not your insurance company.
Snow and ice accumulate unnoticed. In a cold climate, their weight presses down on the roof, causing it to sag and eventually collapse completely. The structure may crack inward, break through the flooring, and cause internal water damage. You lose your home or business, and with them — your sense of security. But the real problems begin after the collapse. The insurance company drags its feet, looks for excuses to deny or reduce the payout. And the compensation they offer barely covers cosmetic repairs.
On-Site Adjusting is a team of licensed public adjusters and restoration contractors specializing in building collapse for residential and commercial claims. What do we do? We prove the real scope of the damages, secure full compensation, and take over complete restoration.
We work for YOU – not your insurance company.
Why Is Your Weight of Snow and Ice Claim Turning Into a Nightmare?
Insurance companies profit by paying out as little as possible. Their claims adjusters are focused on minimizing what they owe — not helping you. After the stress of a collapse caused by the weight of snow or ice, you’re left battling a system that’s NOT built to support you.
Top problems homeowners face when filing a claim
Claim denial
The insurer looks for excuses to claim that your residential or commercial insurance claim isn’t covered. They insist the collapse was caused by poor building maintenance, not the weight of snow or ice.
Lowball estimate from the insurer
If the owner calls roofers immediately after the incident or starts repairs without full documentation, the insurance adjuster significantly reduces the payout (or denies it altogether).
Delay tactics
They offer you a “quick check” — a tiny amount, but immediately. The logic is simple: you're exhausted, frightened, and ready to accept any money at all.
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 isn’t looking out for you. If something feels off, don’t settle. Call us for an independent damage assessment.
“The roof of my home just collapsed due to the large amount of snow that fell last night. What should I do?”
Call us first — before you contact your insurance company. Acting quickly protects your rights and prevents the insurer from blaming you for delays.
After a collapse under the weight of snow and ice, the main mistake is failing to account for damaged hidden structures and utilities. For membrane or bitumen roofs, this means seam separation and tears on the low end, and in extreme cases — a full collapse with the breakthrough of load-bearing beams and debris falling into the house. If this is not included in the total loss inventory, the insurance company will undervalue the compensation. As your construction adjuster, we ensure everything is documented correctly, thoroughly, and in a way that will cover even loss of use damages in the future.
Every day you delay benefits the insurer.
Don’t let that happen. Call now to get your payout and quality restoration services.
One Call to On-Site Adjusting — and We Handle It From There
From this moment on, you no longer need to argue, prove, or waste your time. We handle negotiations and will stay with you until all work is completed.
How do we work?
Step 1. Providing Comprehensive Emergency Services After the Collapse
Before any paperwork or negotiations, we work to prevent new damages and protect the property.
Here’s what we do:
- Initial damage assessment. Conducting a rapid inspection to determine major hidden structural risks for people and the building itself.
- Temporary weatherproofing. Covering the roof or ceilings with specialized materials so snow and rain don’t worsen the destruction.
- Property protection. Shutting off gas, water, and electricity to avoid additional accidents and hazards, organizing safe entry and exit.
- Emergency debris removal. Clearing debris, securing broken windows/doors to prevent vandalism, and performing initial structural stabilization.
Step 2. Adjusting & Securing the Maximum Payout for Your Insurance Claim
We’re not the kind of loss adjusting companies that just sends a bill to the insurer. We make them cover the actual cost of the damage. How?
- Policy analysis. We review your policy and identify clauses that directly apply to collapse caused by the weight of snow and ice.
- Asset replacement. Evaluation of damaged property (appliances, furniture, interior items, commercial equipment) and securing compensation for full replacement.
- Documenting the consequences. We prepare a report detailing the extent of the damages, including loss of use damages, and complete the Proof of Loss before starting repairs (without full documentation, the insurer will deny the payout).
- Cost evaluation. We calculate the real cost of property damage restoration, 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. We don’t stop until you receive a fair settlement.
Step 3. Providing Property Damage Restoration Services
Once the funds are approved, we begin the restoration process. Thanks to prior inspection, we know exactly where to start so your residential or commercial insurance claim results in real, tangible repairs.
Here’s what we do:
- Structural repairs. Removing dangerous debris and restoring ceilings, walls, roofing, and the foundation according to current safety standards.
- Home habitability restoration. Repairing utilities, insulation, and restoring water and electricity so the family can live in the home again.
- Business continuity support. For commercial clients — helping restore business operations after losing the premises.
- One-contractor solution. Restoring the property to its pre-loss condition. We do this quickly, safely, and within the approved budget.
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 offer 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 offer the right partner for your situation.
Partnership With On-Site Adjusting — No Headaches
Your insurance providers will likely send their preferred vendors — mitigation companies or contractors who work for the insurance companies and are paid by them. These vendors serve the insurer’s interests, not yours. Their goal is to cut costs for the insurer, leaving you with low-quality repairs and ongoing issues. We work solely for you.
Who We Help
Homeowners
Business owners
Members of Homeowners / Condominium Association
Rental property owners
We provide public adjusting services in
Illinois, Wisconsin, California
Don’t Settle for Less Than You Deserve
Your insurance company has experts on their side – and you should too. We assess the full damage and tell you what your claim is really worth.
When the insurer offers quick patches instead of replacing 🥲
Has your claim ever been patched instead of properly fixed?
What Happens When a Public Adjuster Re-Evaluates Your Fire Damage Claim 😉
This commercial storage facility in Rockford, IL was originally valued at $400K — barely half of what was needed to rebuild.
We stepped in, inspected the full site, documented every impact, and proved the true scope of damage.
Result? Policy limit paid out: $811,103.
Every dollar available — secured for our client 👌
Whether you own a storage facility, retail space, warehouse, or rental units… insurance shouldn’t get the final word on your losses.
🧐 Think your claim is undervalued? Let us take a look.
DM us or call (866) 861-4992 for a free consultation!
The reality of life when it comes to property damage 🫠
Most homeowners don’t realize how much insurance company language affects their payout 🤯
A simple water-damage report can turn into delays, confusion, or a lower offer — not because you’re not covered, but because the wording makes you think you aren’t.
That’s where a public adjuster makes the difference.
We explain the process clearly, gather the right documentation, and make sure your claim reflects what actually happened — not what it’s labeled as.
💧 If you’re dealing with water damage, we can help. Reach out to us for a FREE claim review
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 👌
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