Mike Kwak, Author at On-Site Adjusting

December 4, 2025 Blog Post, Property Claims 0

The Hidden Risk in Commercial Policies: How the Safeguard Endorsement Lets Insurers Deny Claims

What exactly is a Safeguard Endorsement? Why is it so dangerous? Let us explain what it means and how you can protect your business from denial through professional claim adjusting.

November 27, 2025 Blog Post, Property Restoration 0

Don’t Rush Into a Pack-Out for Contents Cleaning — Understanding Salvage, Non-Salvage, and Your Cleaning Allowance

At On-Site Adjusting, we’ve learned one key truth over the years: a rushed pack-out decision for contents cleaning and restoration can cost you tens of thousands of dollars

November 20, 2025 Blog Post, Disaster Response, Property Claims 0

When the Insurance Company Stops Responding — Steps to Take Before It’s Too Late

Step-by-step plan from the On-Site Adjusting team on how to regain control of the situation and make the insurance company respond

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!

Franck Maene

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.

Jerry Moreno

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!

Manuel Lucero

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!

Luka

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

Madi Jewellers

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!

MARCO A.

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!"

Jay Norax

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.

William Lopes

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!

mardens guinto

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!

Automotive ADD

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.

LaWuandia

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!!**

robert grab

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.

Author: Mike KwakThe Hidden Risk in Commercial Policies: How the Safeguard Endorsement Lets Insurers Deny Claims

The Hidden Risk in Commercial Policies: How the Safeguard Endorsement Lets Insurers Deny Claims

Don’t Rush Into a Pack-Out for Contents Cleaning — Understanding Salvage, Non-Salvage, and Your Cleaning Allowance

When the Insurance Company Stops Responding — Steps to Take Before It’s Too Late