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Structural, water, fire damage… When any of these occur, every minute matters. Our accredited claims adjusters help homeowners and businesses in Wisconsin, Illinois, and California save precious time. They also document losses and handle negotiating a settlement agreement with the insurance company. Why? To ensure the compensation amount is fair and fully covers the costs of fire and flood damage restoration.
In addition to handling insurance claims, our team of contractors in Illinois also provides restoration services. They clean properties from traces of water, soot, smoke, or construction debris, dry walls and floors, and repair or replace damaged structures, roofing, and electrical wiring.
We know how hard it is to lose control of a situation – that’s why we guide you step by step.
Residential Fire Damage
Top Settlement Case
Kildeer, IL
Get 55% more out of your claim
Residential Fire Damage
Lake Forest, IL
Insurance offer: $945,841
We recovered: $1,732,291
A newly constructed luxury mansion suffered severe fire damage after a contractor accidentally vacuumed a cigarette. The loss was severe, and the insurance company launched a 6-month investigation, delaying payment on the claim.
When On-Site Adjusting took over as the public adjuster, we secured full insurance claim coverage for the property — including drywall, roofing, electrical systems, flooring, tiling, plumbing, and more. This comprehensive settlement ensured the homeowner received the funds needed to restore every aspect of the residence.
Commercial fire damage
Chicago, IL
Insurance offer: $748,772
We recovered: $1,273,945
A fire at a battery manufacturing facility for electric scooters caused extensive fire damage, collapsing the roof and steel support columns and destroying the solar panels. The business also suffered extensive loss of machinery, tools, and materials used for lithium battery production.
On-Site Adjusting, serving as the public adjuster, negotiated a much higher insurance claim settlement than the insurer’s initial offer. Our team handled the entire project from start to finish, covering both fire damage claims and restoration, to ensure the facility could fully recover and return to operations.
Commercial fire damage
Chicago, IL
Insurance offer: $784,915
We recovered: $1,371,745
A commercial fire damage loss occurred at a car wash facility. The insurance company initially offered only $784,915.81 for the insurance claim, far below the actual cost of the damage.
Acting as the public adjuster, On-Site Adjusting carefully documented the damage to the structure as well as the business personal property — from machinery and cleaning systems to inventory and other assets. Through detailed negotiations, we secured a much stronger insurance claim settlement, ensuring the owner recovered the full value of both the property and business contents.
Residential fire damage
Chicago, IL
Insurance offer: $21,865
We recovered: $84,321
A residential property suffered fire damage after fireworks ignited and burned through the roof, causing both upper and lower levels to be affected. In addition, the interior sustained damage not only from the fire but also from water used by the fire department.
As licensed public adjusters, we documented the full extent of the roof damage with photos and analysis, pushed back against the insurer’s low offer, and secured code-compliant upgrades such as 5-inch ISO insulation.
The result was a full roof replacement, interior restoration, and coverage for upgrades, turning a small claim into a complete settlement that restored the home.
Residential fire damage
Chicago, IL
Insurance offer: $30,407
We recovered: $80,623
A devastating basement fire caused major damage to a family’s home, leaving electrical wiring, kitchen cabinets, drywall, and other essential structures destroyed. On-Site Adjusting took over the claim, documenting the full scope of damage and negotiating directly with the insurer.
Our team secured a complete rewire of the electrical system, brand-new cabinets and countertops, and full drywall restoration throughout the home. We handled both the insurance claim settlement and the full fire damage restoration, ensuring the property was returned to pre-loss condition.
Residential fire damage
Ottawa, IL
Insurance offer: $111,302
We recovered: $210,551
A residential property suffered severe fire and water damage, but the insurance company’s initial offer was only $111,000 — far below the true cost of repairs. The estimate failed to account for major losses, including damaged electrical wiring, ruined HVAC systems, soaked insulation, heavy smoke damage to the roof, and windows that required full replacement.
We represented the policyholder as their public adjuster, documenting every detail and negotiating a fair insurance claim settlement of $210,000 — nearly double the insurer’s first offer.
Our team also managed the complete fire damage restoration, rebuilding the home with brand-new kitchens, bathrooms, flooring, roof, HVAC, windows, and even an expanded master suite.
Commercial fire damage
Chicago, IL
Insurance offer: “We’ll send someone in 2 weeks.”
We recovered: $132,614
A newly opened restaurant suffered a devastating kitchen fire damage just three days after its grand opening, leaving walls, ceilings, insulation, and the electrical system badly damaged. The insurance company said they would send someone in “a couple of weeks,” but waiting that long would have meant major business interruption.
We took control of the commercial insurance claim immediately, providing emergency fire damage cleanup, removing damaged materials, documenting the loss, and beginning the rebuild within 48 hours. By acting quickly as the public adjuster and restoration team, we secured full coverage for the repairs — including the kitchen, electrical, and interior finishes — and restored the property so the restaurant was able to reopen after just one business day.
Residential fire damage
Barrington, IL
Insurance offer: $15,463
We recovered: $75,357
A residential property suffered fire damage that destroyed cedar siding, porch stairs, and the back deck. The insurance company brought in their preferred vendor, who valued the loss at only $15K. When the homeowner declined their contractor, that was the insurer’s final offer.
As licensed public adjusters, we represented the homeowner in the insurance claim, preparing an independent estimate of $90K. When the insurer refused, we initiated the appraisal process, which removed the insurance company from controlling the estimate. Independent experts reviewed the loss and awarded a $75,357 settlement.
Residential fire damage
Chicago, IL
The city wanted to demolish the house.
We recovered: $212,547
A coach house was severely damaged by fire, destroying the framing, wiring, and most of the structure. The city ordered demolition, but On-Site Adjusting stepped in to handle the insurance claim and fight for the property to be rebuilt instead of torn down.
As local public adjusters, we negotiated directly with the insurance company to secure a fair settlement of more than $200K. The insurer initially refused to release the depreciation holdback and demanded proof of every expense, but with lien waivers, contracts, and complete documentation, we held them accountable.
Our team also managed the full fire damage restoration, rebuilding the property with a new roof, siding, porch, windows, and interior finishes. The result was a complete rebuild that left the owner with a home even better than before.
Residential fire damage
Chicago, IL
Insurance offer: $158,662
We recovered: $362,830
A property suffered severe fire damage on the top floor, with water from firefighting efforts traveling all the way down to the basement and causing additional destruction. On-Site Adjusting handled the insurance claim adjustment, creating a detailed moisture map to locate and remove all saturated building materials. The project also required a full replacement of the electrical and plumbing systems to meet updated city code, including new copper water supply lines and electrical service connections. Extensive hardwood floors and subflooring were also replaced.
This was an adjustment-only project, but through expert documentation and negotiations, we ensured full coverage for all structural and code-related repairs needed to restore the property.
Commercial fire damage
Rockford, IL
Insurance offer: $400,805
We recovered: $811,103
A commercial storage facility in Rockford, Illinois, suffered extensive fire damage. The insurance company initially issued a low payment of about $400K, significantly undervaluing the true scope of loss.
When On-Site Adjusting got involved months later, our investigation and full loss documentation revealed that the actual repair costs were closer to $1M. Because the policy carried a limit of $811K, we prepared a detailed estimate showing damages exceeding policy limits.
After presenting the findings, the insurer recalculated the Actual Cash Value (ACV) based on our documentation. The revised ACV aligned with the full policy limit of $811K, which the insurer ultimately paid — increasing the settlement by roughly $400,000 from the initial offer.
Through accurate damage assessment and a comprehensive ACV analysis, On-Site Adjusting secured the maximum recovery available under the policy.
Commercial water damage
Top Settlement Case
Chicago, IL
When a frozen pipe burst above Asador Bastian — a $3M Basque restaurant in downtown Chicago — water flooded both the dining area and the apartment above. The insurer initially offered only $20,356, claiming “no demo was performed.”
But On-Site Adjusting stepped in. Our team conducted a full moisture assessment, documented structural and millwork damage, and implemented a two-month commercial dehumidification plan without interrupting operations.
Despite luxury finishes — custom millwork, Venetian plaster from Spain, and complex design elements — we proved hidden damage and negotiated a $170,790 rebuild settlement, plus $81,318 in mitigation costs.
That’s an 8X increase from the insurer’s initial offer, achieved through detailed documentation, strategic negotiation, and expert public adjusting.
Get 55% more out of your claim
Residential water damage
Chicago, IL
The insurance company tried to deny the claim
We recovered: $195,371
A dead thermostat battery caused pipes to freeze and burst while the homeowners were away, resulting in catastrophic water damage — flooded floors, a collapsed basement, and widespread interior destruction. The insurance company initially denied the insurance claim, arguing it was not covered.
On-Site Adjusting investigated the loss, bringing in an expert HVAC team to confirm coverage under the policy. Acting as the public adjuster, we overturned the denial and secured a $195K settlement.
Our team also managed the full water damage restoration, including a rebuilt kitchen, new bathrooms, replacement flooring, and a restored basement. From water damage cleanup through final repairs, the home was fully restored — proving that even a denied claim can be turned around with the right expertise.
High-Value Property Damage
Top Settlement Case
Chicago, IL
A luxury yacht was severely damaged after crashing into a breaker wall. The insurance company attempted to settle the insurance claim for just $1.1 million, undervaluing the true extent of the loss. Critical damages — including the electrical system, navigation equipment, engines, and custom interiors — were overlooked.
On-Site Adjusting represented the yacht owner as the public adjuster, reviewing damage reports, inspection findings, and policy details to uncover the full value of the claim. Our team built a comprehensive case that proved the yacht was a total loss.
The result was a $2.7 million insurance settlement — the full policy limit and more than $1.6 million above the insurer’s initial offer. This case demonstrates the importance of expert adjusting in large, complex claims.
Get 55% more out of your claim
Vehicle Impact Damage
Chicago, IL
The insurance company tried to deny the claim
We recovered: $230,451
A car being chased by police crashed through a three-layer brick wall, tore down an iron fence, and landed inside a living room, leaving behind severe structural damage. The impact compromised lintel beams, collapsed part of the facade, and required immediate emergency shoring and a sidewalk canopy to protect pedestrians.
The insurance company initially denied the vehicle impact damage claim, insisting the homeowner should sue the driver instead. On-Site Adjusting demonstrated that vehicle impact is a covered peril, documented every layer of damage, and submitted competitive bids along with architectural drawings, zoning approvals, and building permits.
Our team managed the full property restoration and proved the true scope of the loss. The case ultimately settled at $230K, turning a denial into full coverage and a successful rebuild.
Building collapse
Decatur, IL
The insurance company tried to deny the claim
We recovered: $396,545
A residential property suffered a basement wall collapse, leaving behind severe structural damage. The insurance company immediately denied the collapse damage claim, stating the loss was not covered under the policy.
We investigated further, bringing in a structural engineer to provide an independent report. The engineer uncovered hidden decay, which triggered collapse coverage in the policy language. By interpreting the fine print and leveraging the policy wording, we overturned the denial and proved coverage.
The result was a $396K insurance claim settlement, exceeding policy limits and fully addressing the structural loss. This case shows how expertise in policy interpretation and independent engineering reports can turn a denial into a successful claim.
Commercial property damage
Chicago, IL
Insurance offer: $51,820
We recovered: $165,152
When a vehicle crashed into a local dentist’s office in Chicago, the impact caused severe structural damage to the front faсade and interior walls. The insurance company’s initial offer was just $51,820, covering only surface repairs and ignoring hidden structural issues.
On-Site Adjusting took over the claim and performed a structural assessment, engineer inspection, and detailed documentation to expose the full scope of the damage — including compromised framing, brickwork, and interior finishes.
Through expert negotiation and proper claim presentation, we increased the settlement to $165,152 — a 3x higher payout than the insurer’s first offer.
Commercial property damage
Chicago, IL
Insurance company tried to deny the claim
We recovered: $677,345
A manufacturing facility undergoing repairs suffered extensive vandalism damage when thieves broke in and removed all copper electrical supply lines, transformers, and heavy-gauge wiring throughout the warehouse. Despite the clear evidence of loss, the insurance company initially denied the claim, arguing that the damage did not qualify under the policy.
Out team stepped in and conducted a detailed site inspection, repair verification, and loss documentation to establish the true cause and scope of damage. By demonstrating that the facility was under active repair and that the stolen components were essential to the electrical system, we successfully reversed the denial.
After presenting the evidence and challenging the denial, On-Site Adjusting secured a $677,345 settlement,— ensuring the policyholder received proper compensation for a major commercial vandalism loss.
No client case is ever the same. Each one has its own unique circumstances and background. That’s why working by a template is neither possible nor right. As home and business public adjusters, we analyze every situation and see it through to completion.
The insurance company isn’t interested in fully covering your expenses – but we definitely are. That’s why we offer restoration and adjuster services exactly when it’s important to have someone on your side.
It’s not always clear where to begin when dealing with a residential or business interruption insurance claim. But you don’t have to go through it alone. Adjusters on demand from On-Site Adjusting are ready to step in whenever you need immediate help.
We are licensed in Wisconsin, Illinois, and California. What does this mean for you? You’re working with a team that operates officially, knows local regulations, and takes full responsibility for every decision made.
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NEXT SUCCESS STORY
Illinois Public Adjuster Agency License #3000872396
IL License No: 16960983
WI License No: 16960983
CA License No: 4388919
CA License No: 6012768
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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 😉
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!
