Through our practice, we’ve worked with hundreds of fire insurance claims, heard many stories, and observed how each case developed. The most generalized and useful information is summarized in this material.
In this article, we decided to lay all the cards on the table and explain what truly stands behind this criticism.
Why does this happen? It’s simple: key evidence is removed too soon, before it has been inspected and documented. This mistake could end up costing you thousands of dollars.
Don’t want to lose thousands of dollars on repairs that your insurance should cover? Keep reading to learn how to protect your finances by appealing legally and avoid being taken advantage of.
How do you prevent an emergency and save your property? By recognizing the problem at an early stage and acting before the metal or plastic cracks. You will learn the details below.
Winter in Illinois and Wisconsin brings some of the most challenging seasonal damages: roof collapse and structural damage from the weight of snow and ice.
Does a public adjuster for insurance claim guarantee that you will receive a check for the full amount? You will find the answers below.
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.
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
Step-by-step plan from the On-Site Adjusting team on how to regain control of the situation and make the insurance company respond
In this article, readers will learn how public adjusters protect them from critical mistakes, uncover hidden coverages, secure full compensation – and why their fees always pay for themselves
In this article, we explain what a typical fire damage cleanup looks like, what timelines are realistic, and how public adjusters keep the process moving.
Most policyholders get confused: what is this document, what is it for, and how do you fill it out? In this article, we get answers to these questions from licensed public adjusters at On-Site Adjusting.
Lithium-ion batteries are everywhere: in phones, e-scooters, electric razors, sometimes in hair dryers. But when they ignite, the consequences are catastrophic.
What are the differences between policies, and how can home and business public adjusters help secure a payout?
Curious about what policy limits are and how insurers use them to reduce payouts? Read on — all answers are in this article.
We will explain what ALE is and what it covers, what tricks insurance companies use, and how a public adjuster for insurance claim will help you get what is rightfully yours
One of the main reasons for this is the Depreciation Clause in your policy. It’s one of the most powerful tools insurers use to reduce payouts. Curious how it works?
The insurance company’s representative politely offers you a so-called “list of recommended contractors” or a Preferred Vendor Program (PVP). But does “recommended” always mean “best”?
At the beginning of 2025, a forest fire swept through Pacific Palisades. Can you fight back on equal terms? Absolutely.
Here’s a detailed, step-by-step guide to handling a fire damage claim from the perspective of a seasoned public adjuster.
How “Delay-Deny-Defend” Became the Norm — and What It Means for You
If you’re dealing with water damage, it’s critical to understand what your policy actually covers – and to get a professional, like a public adjuster from On Site Adjusting, to review it.
Insurance adjusters can make mistakes-or underestimate costs-that may significantly reduce your payout. Here are the most important things to watch for
When disaster hits your business – whether it’s a fire, flood, or other major loss – the physical damage is only part of the problem. Often, the bigger hit is the lost income while you’re shut down.
A building collapse is a devastating event. Whether it’s your home or a commercial property, the damage is often total and the financial impact can be enormous.
A major fire loss is emotionally and financially devastating. Once the flames are out, the recovery begins – but for many homeowners, the challenges are just beginning.
Experiencing a commercial fire loss can be one of the most devastating events for any business owner.
When a home is damaged and in need of restoration, most policyholders assume their insurance company will cover the full cost to make things right.
Experiencing a commercial fire loss can be one of the most devastating events for any business owner. This is where a licensed public adjuster becomes not just helpful, but essential.
Experiencing a residential fire is devastating, and navigating the insurance claim process can be just as overwhelming.
Read your policy before filing frozen pipe insurance claims as it explains your coverage. Your insurer will likely cover any resulting water damage.
Step 1 – Determine the type of agent you need. Step 2 – Check the agent’s specialization. Step 3 – Check the agent’s licenses and certifications.
The five most common causes of burst pipes are freezing temperatures, clogs or blockages, high water pressure, wear and tear, and tree roots.
A homeowners insurance declaration page is a summary of your policy. It includes personal, policy, coverage, premium, and discount details.
Avoid relying on the insurance company ratings posted on the insurer’s website. Instead, visit individual rating agency websites for a well-rounded view.
To handle water damage from frozen pipes, do the following: 1. Ensure your safety. 2. Turn off your main water shutoff valve. 3. Take an inventory.
To file a burst pipe insurance claim, contact your insurer to report the damage and request the claim form. Fill out the form to start the claims process.
Dwelling coverage pays for damage to your home’s structure and attached structures such as garages. It usually covers fire, wind, and vandalism damage.
A replacement cost estimator is software that uses your home’s details to calculate an estimate of what it would cost to rebuild your home.
Insurance companies wrongly classify fire damage as a partial loss in order to pay reduced settlements. A public adjuster can help you avoid this.
Turn off your water shutoff valve to cut off water to the burst pipe. Open the taps and faucets to relieve pressure from the pipes.
An insurance broker is a professional who helps consumers find the right policy for their insurance needs. They bridge the gap between insurers and consumers.
Vandalism and malicious mischief insurance reimburses you after someone vandalizes your home. This coverage also extends to personal property.
Business interruption insurance reimburses lost profit when a business closes due to a disaster. It also covers taxes, mortgages, and payroll.
To file a tornado insurance claim, reach out to your insurer for a copy of the claim form. Verbally report the damage and then fill out the form.
Loss of use coverage provides financial coverage and assistance when your home is uninhabitable. It primarily covers additional living expenses.
High-grade shingles consist of multiple materials and can withstand harsh weather conditions. This makes them a worthy investment for homeowners.
Learn how we helped a business owner in Chicago secure $1.7 million in claims.
Business insurance protects your business from loss. You may get general liability, business interruption, or commercial property insurance.
Many homeowners’ insurance policies cover properties damaged by water if the damage is sudden and accidental. For example, a burst pipe.
Insurance companies often cover building collapse resulting from hidden decay, infestations, defective materials, and even people’s weight.
Improvements that help reduce your homeowners insurance cost include: 1. Home security systems 2. Roof upgrades and repairs 3. Landscaping.
Inform your insurer about the building collapse as soon as you can because this is what kick-starts your claims process
A property damage claim form serves as an official record of a damage event.
To maximize your restaurant insurance claim, have detailed documentation. Do not throw receipts or damaged items away.
Ensure your safety before assessing the roof damage. Call professional tree removal services and do not re-enter your home.
Step 1 – Document everything for your storm damage insurance claim. Step 2 – Hire a public adjuster. Step 3 – Review your insurance.
For fire damage repairs, insurance companies try to keep costs to a minimum while public adjusters advocate for replacements.
A plunger is a quick and easy way to unclog an overflowing drain. Place the plunger over the drain, ensuring a good seal, and then pump.
Public adjusters represent you while insurance adjusters work for the insurer. Your choice between these two can affect your claim.
To install roof tarps, start by gathering necessary materials such as a heavy-duty tarp, a ladder, planks, and nails.
Unoccupied home insurance is designed to cater for the unique risks that accompany leaving a house empty.
Many standard homeowners insurance policies cover tornado damage. However, this depends on your policy type, its exclusions, and limits.
Start by reviewing your vandalism claim denial letter to see the reason for denial. Doing so will help you draft an appropriate response.
To avoid frozen pipes, ensure you insulate vulnerable pipes. This includes pipes in unheated spaces such as your garage and basement.
Severe weather can cause wind damage. After discovering wind damage, document and assess the situation before filing an insurance claim.
1.Start by turning off your water supply to prevent flooding if the frozen pipe bursts.
2.Open your faucets to let the water drain.
Commercial fire damage restoration begins with an assessment of the damage. Afterward, professionals will perform smoke and soot removal.
Here is a checklist for your next insurance claim: 1. Understand your policy. 2. Document the water damage. 3. Make temporary repairs.
When choosing water extraction services, check their website for past reviews. Also consider asking trusted sources for recommendations.
Learn how to fill out the Illinois Tax and Demolition Form. Step 1: Gather needed information. Step 2: Complete the taxes section.
The Tax and Demolition Form ensures that people pay demolition costs before receiving settlement. It is required for all property types.
Replacement Cost Value refers to the current market value of lost or damaged items. Your policy determines if you are entitled to this.
When trying to get rid of smoke smell, start by airing out your house. This ventilation will help improve the air quality in your home.
An insurance appraisal is used to assess the worth of your property or damage suffered. This ensures you receive fair compensation.
If you want insurance to pay for your water damage, study your policy. Knowing your coverage can make your claims process smoother.
After failing a home inspection, thoroughly review the inspection report to see the reasons for failure. You can then make improvements.
Refusing a homeowner inspection can result in claim issues, policy cancellations, and higher premiums. Click this link to read more.
After discovering a water leak, take immediate action to mitigate damage. Remember to document the damage as proof for your claim.
If a tree falls on your home, take immediate steps to ensure safety. Check for injuries, evacuate if necessary, and turn off utilities.
Discard any perishable foods that have been exposed to smoke. This includes food in permeable packaging such as paper and thin plastic.
Distorting the value of a loss is one of the many forms of insurance fraud. You can avoid this by keeping receipts and records of items.
The goal of fire damage restoration is to return the home to its original state. This ensures that it is safe and habitable once more.
The first step in the water extraction process is an inspection of the affected areas. This is to find the source of water intrusion.
An appraisal clause helps you avoid disputes with your insurer over the value of a claim or loss. It is mostly found in property policies.
Start by ventilating your basement by opening any windows and doors. This helps reduce humidity levels raised by the flood.
Many homeowners pay their premiums promptly to ensure that the financial cost of repairing their home after suffering damage is covered. However, it does not always happen that way in practice. This especially applies to roof replacement. Your insurance may cover only specific parts of your roof rather than repairing the whole thing. Therefore, you […]
Did you know that over 300,000 house fires happen in the United States alone each year? This statistic excludes the 7.5 million acres of wildland consumed by wildfires each year. Fires are incredibly disastrous events that cause millions of dollars in loss annually. More often than not, they leave homeowners stranded. The disastrous nature of […]
One of the many insurance claim adjuster secret tactics is undervaluing your damages. They may claim that the damage was pre-existing
Renters insurance provides essential protection for people renting their living space. It covers personal property, liability, and additional living expenses. Filing a renters insurance claim can seem complicated at first glance. However, it is much smoother when you understand the process. It is also smoother when you involve a professional. Contacting a public adjuster can […]
Is it too late to hire a public adjuster when dealing with an insurance claim? This is a question many homeowners and business owners ask after experiencing property damage or a loss. Knowing the right time to bring in a public adjuster can make a difference in your insurance claim’s outcome. The ideal time to […]
Are you tired of the lingering smoke smell in your home? Whether it’s from cigarettes, cooking, or a recent fire, the odor can be stubborn and challenging to eliminate. One of the many steps in the fire damage restoration process is getting rid of smoke and soot. In this article, we will share seven effective […]
From burst pipes to leaky drains and damaged roofs, water damage can wreak havoc on your home and your wallet. It is also notoriously difficult to deal with as it attracts consequential damage such as mold and structural issues. If you are worried about how to handle the water leak insurance claim process, don’t worry […]
Nobody ever wants to have to file a property claim. Unfortunately, accidents and disasters can happen at any time. These disasters range from fires to floods or theft. It is crucial to know how to file a successful property claim. The knowledge ensures that you receive the compensation you deserve. It is not just about […]
Handling a property claim after suffering damage can add stress to an already difficult situation. Homeowners may be focused on immediate concerns such as safety and shelter. However, the steps they take during the property claim process are critical. Unfortunately, in the chaos that follows a disaster, many homeowners make errors that complicate their claims. […]
Imagine the unthinkable happens. A fire, a flood, or a burglary. Your home and belongings are damaged or gone. Would you be able to recall every item you lost so you can start over? Your answer is probably in the negative. This is the importance of a home inventory. A home inventory is a detailed […]
According to the Insurance Information Institute, in 2023, 88% of homeowners had an active homeowners’ insurance policy. However, many homeowners are unaware of the practical aspect of having homeowners’ insurance. A crucial part of this practical aspect is the home insurance inspection. Additionally, hiring a public adjuster can take the burden off your shoulders. This […]
Dealing with insurance claims after suffering property damage is exhausting. The claims process is often long and winding. Issues such as documentation and evidence complicate the process. However, you can get ease when you hire a public adjuster. These professionals can be a lifeline in complex claims. They help you navigate the insurance claims process. […]
In 2022, the incurred losses in commercial insurance amounted to over $202 million. This means that different businesses with commercial insurance coverage had a total loss of that amount in the United States. Risks are inevitable when running a business. Your risk management and preparation determine how quickly you can bounce back from a loss […]
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