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 handle residential and commercial claims in Wisconsin, Illinois, and California, helping property owners receive fair compensation after fire, water, wind, and storm damage. Moreover, we manage 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%. Our largest resolved claim reached $5.1 million, ensuring the client received the full amount owed after an initial underpayment.
Yes, our team assists with filing and settling insurance claims, but that’s not all. We give you back the most important thing – control over the situation. And when restoration is needed, we involve trusted restoration partners to ensure the process is complete and the results are effective.
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.
MEET OUR TEAM
We believe that a company’s strength lies in its people. Their experience, responsibility, and professionalism ensure the success of every case. Our specialists are by your side from the first meeting all the way to the final settlement.
Jessica Kwak
Office Manager
John Walkosz
Project Manager
OUR MISSION IS SIMPLE:
PROTECT POLICYHOLDERS
We exist to protect those who pay insurance premiums every month and expect fair compensation in critical moments. For example, if severe weather destroys a crop, a fire damages a floor of a building, or any other emergency occurs (storm, snow, wind damage, flood, etc.).
Insurance companies have their own experts who work in their favor, undervalue claims, and look for reasons to deny coverage. As a result, property owners are left alone with a system that does not support them.
This is unfair, and we do not allow it. Every loss is documented, all damages are carefully analyzed, and clients’ rights are defended in negotiations with the insurer. Hidden damages are not overlooked, and loss of use damages are not ignored.
The team’s goal is to achieve a fair settlement so that compensation reflects actual expenses and losses.
WHY HOMEOWNERS AND BUSINESS OWNERS
TRUST ON-SITE ADJUSTING
No Fee Unless We Increase Your Settlement
You pay nothing until we obtain the compensation you are entitled to. Our interests are fully aligned with yours.
Evidence-Driven Documentation
Every detail is documented — photo reports, Matterport 3D scan, moisture and smoke maps — so nothing gets overlooked.
Expertise in Residential & Commercial Claims
With experience in both areas, we see the full picture of damages and do not allow insurance companies to undervalue claims.
Licensed, Experienced Public Adjusters
Since 2011, we’ve built over 15 years of licensed expertise in property damage claims. We know the laws and regulations insurers use — and how to leverage them for our clients.
We Handle the Entire Claim for You
We take care of damage assessment, negotiating with insurance claims adjusters, and providing commercial or personal property damage restoration services.
A Reputation Built on Results
Our clients receive settlements 2–3 times higher than the insurers’ initial offers. Our reputation is based on real results, not promises.
PROVEN RESULTS
Our results speak for themselves. Clients turn to us after an insurance company undervalues their claim or denies payment altogether. At that point, people are left without support, with the aftermath of fire or flooding, and with payouts that do not even cover a portion of their expenses.
We step in precisely when the situation seems hopeless. Collected evidence and policy analysis allow us to demonstrate the true scale of the losses.
Examples include cases where, after an incident, property owners received only minimal offers. After our intervention, settlements increased by hundreds of thousands of additional dollars, up to a record payout of $5.1 million. As a result, property owners are truly able to restore order in their homes or business offices.
On-Site Adjusting has a reputation for getting things done and putting people back in control, even when the insurance company tries to take that right away.
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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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
With hundreds of commercial and residential claims successfully handled, we bring deep expertise, modern tools, and up-to-date insurance knowledge to every case. Our approach is grounded in thorough documentation, accuracy, and today’s 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.
READY FOR A FAIR SETTLEMENT?
Your insurance policy is meant to protect you — not the insurance company. Let us help.
When you face a loss, the hardest part is knowing where to start. The policy is written in complex language, the insurance company takes advantage of every inaccuracy, and documents pile up faster than you can review them… It’s easy to lose control of the situation and even easier to agree to minimal compensation that doesn’t cover even half of your expenses. But is that really in your best interest?
Our team explains your rights, shows where and how the insurance agent is manipulating, and becomes your claim adjuster, full negotiation expert, and, if needed, contractor.
We collect evidence, document with photos, negotiate, and provide full support throughout the negotiation and settlement process. You receive a clear action plan and a reliable team. The insurance company faces an opponent who will not let them leave you with meager compensation and empty promises.
You’ve already lost property — don’t lose your right to justice as well.
Insurance companies don’t usually deny fire damage claims outright — they minimize them 🤔
They make serious damage sound “minor,” call structural issues “non-structural,” or approve just enough to get you started… but not enough to finish.
☝️That’s not an accident. That’s a lowball strategy.
Our job at On-Site Adjusting is to uncover the real impact of the fire, show the evidence insurers avoid, and push for the full payout needed to restore your home safely.
🔥 If your fire damage claim feels “too low,” trust your gut. Reach out to us for a free consultation
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
