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?
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.
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
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.
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 👌
Follow us for more insurance tips 😉
