Business Interruption
Claim
Equipment breakdown, an on-site accident, or supply delays? Interruption of business always hits harder than the repair itself. Because it means halted processes, lost profit, and customers turning to competitors. It seems like it can’t get any worse. But then the insurance agent arrives and starts calculating “minimal losses,” excluding key expense categories. As a result, the final amount often doesn’t even cover the business interruption insurance cost.
On-Site Adjusting is one of the best independent adjuster firms specializing in cases related to business interruption insurance coverage. We prepare your claim, prove the true scale of financial losses, and secure the compensation you deserve.
We work for YOU – not your insurance company.
Equipment breakdown, an on-site accident, or supply delays? Interruption of business always hits harder than the repair itself. Because it means halted processes, lost profit, and customers turning to competitors. It seems like it can’t get any worse. But then the insurance agent arrives and starts calculating “minimal losses,” excluding key expense categories. As a result, the final amount often doesn’t even cover the business interruption insurance cost.
On-Site Adjusting is one of the best independent adjuster firms specializing in cases related to business interruption insurance coverage. We prepare your claim, prove the true scale of financial losses, and secure the compensation you deserve.
We work for YOU – not your insurance company.
Why Is Your Business Interruption 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 on helping you. After the stress of construction delays, damaged materials, or site losses, you’re left fighting a system that is NOT designed to support you.
Top problems homeowners face when filing a claim
Claim denial
The insurer looks for any technicality to claim your case isn’t covered. As a result, you’re left without compensation, even though loss income insurance is supposed to account for lost profit.
Lowball estimate from the insurer
The insurance agent often “fails to notice” the real consequences: damaged structures, ruined materials, missed deadlines. These tactics artificially reduce the amount you should receive under your BI insurance.
Delay tactics
You’re offered a “quick check” — a tiny amount, but immediately. The logic is simple: you’re exhausted and more likely to accept unfavorable terms for your business income insurance coverage.
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.
“An accident happened at the site. What should I do to keep the business interruption as short as possible?”
Call us first — before you contact your insurance company. Acting quickly protects your rights and prevents the insurer from blaming you for delays.
After an incident, most owners think about damaged materials and repairs. But don’t forget about staff wages, equipment rental costs, and utility payments. The actual amount must account for both direct and related losses, and our adjusters on demand prove these expenses and include them in your claim so you receive full compensation.
Every day of your delay benefits the insurer.
Don’t let that happen. Call now to get your full insurance payout.
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 Payout for Your Business Income Insurance Claim
We’re not the kind of adjuster companies that simply send a bill to the insurer. We make them cover the actual cost of the damage. How?
- Policy analysis. We identify the relevant sections of your Business Interruption / Business Interruption Coverage.
- Documenting the consequences. We prepare a report with the full scope of the loss (material damage, maintenance expenses, loss of contracts, etc.).
- Cost evaluation. We calculate the real business income insurance cost, including downtime, overhead, and repair expenses.
- Negotiation and settlement. We present the insurance company with solid, irrefutable evidence. We don’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. But who are they really working for? 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
ENTREPRENEURS & SMEs
Business owners
Property Managers & Associations
Rental property owners
We offer adjuster services and protect businesses 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.
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
