Builders Risk
Claim
Construction involves dozens of variables, and each one is a potential point of loss. A weather delay disrupts schedules. Subcontractor negligence is discovered, and suddenly you’re at a loss. But after any such incident, a different challenge begins. The business faces damages, and the insurance company drags the process, undervalues the loss, which fragments your payout.
The On-Site Adjusting team are independent loss adjusters who care about how much you receive for your course of construction claim or property under construction claim. We document losses, negotiate with the insurance agent, and secure compensation that covers repairs, resources, and loss of use damages.
We work for YOU – not your insurance company.
The On-Site Adjusting team are independent loss adjusters who care about how much you receive for your course of construction claim or property under construction claim. We document losses, negotiate with the insurance agent, and secure compensation that covers repairs, resources, and loss of use damages.
We work for YOU – not your insurance company.
Why Is Your Building Project Insurance Claim Turning Into a Nightmare?
Insurance companies profit by paying out as little as possible. Their adjusters focus on minimizing what they owe — not helping you. After construction delays, material damage, or a discovered defect, you’re left battling a system that’s NOT built to support you.
Top Problems Homeowners Face When Filing a Claim
Claim denial
The insurance company may deny a construction defect claim. The agent treats the damage as a design flaw rather than an insurable event, avoiding responsibility.
Lowball estimate from the insurer
Unlike an accredited claims adjuster, the insurer ignores hidden consequences. For example, they may “not see” that a work delay caused tenant loss or canceled contracts.
Delay tactics
You’re offered a minimal sum for your first-party property claim — immediately. The calculation is simple: you’re stressed, the budget and deadlines are tight, so you’re more likely to accept anything.
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.
“Damage was just discovered on site. I need help with a CoC claim. What should I do?”
Call us first — before contacting your insurance company. Acting quickly protects your rights and prevents the insurer from blaming you for delays.
One of the most common reasons for undervaluing compensation is ignoring the chain of consequences. The insurer records only direct damage, not recognizing that material damage often causes construction delays, subcontractor losses, and budget overruns. Our claims loss adjuster proves that your construction project claim should also cover lost time, resources, and contract opportunities.
Every day of your 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 stay with you until all work is completed.
How do we work?
Step 1. Securing the Maximum Payout for Your Construction Claim
We’re not the type of company that just sends a bill to the insurer. We make them cover the actual cost of the damage. How?
- Policy analysis. We identify the coverage points that directly relate to construction delays, material damage, and other critical losses.
- Documenting consequences. We prepare a report with the full scope of the loss, including losses from damaged structures and missed construction milestones.
- Cost assessment. We calculate the real cost of restoration, material replacement, and delay compensation, which may not be in the insurer’s interest — but is fair to you.
- Negotiation and settlement. We present the insurance company with solid, irrefutable evidence. Our professional negotiator doesn’t stop until you receive a fair settlement.
Step 2. Securing and Stabilizing the Construction Site
Once the funds are approved, we immediately go to the site and document all consequences. Because we’ve already done the assessment, we know exactly where to start.
Here’s what we do:
- Site preservation: Restrict access to damaged areas, install temporary barriers, and protect equipment and building materials from weather, damage, and theft.
- Structural safety: Cover exposed areas, reinforce damaged elements to prevent collapses or progressive deterioration.
- Preventive sealing: Dismantle or isolate engineering, ventilation, and electrical systems.
- Evidence preservation: Record the current state of the site before any interventions so the insurance agent cannot blame losses on supposed post-incident errors.
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 recommend 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 recommend the right partner for your situation.
Partnership With On-Site Adjusting — No Headaches
Your insurance providers will likely send their preferred company. But who are they really working for? 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
Construction Project Owners
Developers and General Contractors
Property Managers of Multi-Unit Sites
Real Estate Investors
We handle construction insurance claims for clients 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.
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 👌
Follow us for more insurance tips 😉
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
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!
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 👌
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.
