Straightforward guidance for homeowners and businesses after property damage
A public adjuster is a licensed professional who specializes in handling insurance claims. Public adjusters work on behalf of the policyholder, rather than the insurance company.
We calculate our own detailed repair estimates and work to maximize the claim given to the policyholder.
Essentially, we can help prepare, present, and negotiate your insurance settlement after your property experiences damage. Our team of professionals will oversee the entire claims process, ensuring that you receive the maximum possible settlement for your claim.
We can also manage the restoration process for both property and material possessions (only in Illinois — according to the law requirements).
A public adjuster is capable of assisting with both residential and commercial property damage. On-Site Adjusting can help with your claims in the event of a fire, weather damage, water damage, structural damage, roof leaks and/or collapse, and loss of personal property.
If you aren’t sure whether your claim falls into one of the above categories, please contact our team. We will review your claim for free.
The insurance company’s claims adjuster works to settle the claim in a manner that benefits your insurance company. While they will adhere to the standards outlined in your policy, they will likely not be able to provide detailed estimates due to caseload and time constraints.
Public adjusters, on the other hand, take the time to make detailed estimates. Hiring a public adjuster (like On-Site Adjusting) ensures that you get the maximum settlement possible within the confines of your current insurance policy.
Working with a public claims adjuster is very straightforward. You simply need to contact us with the details of your claim. We’ll ask you questions and request documentation or evidence based on your insurance company and our knowledge of your claims process.
Once we understand the details of your claim, we will calculate a detailed repair estimate and handle the entire negotiations process with your insurance company.
While we cannot speed up the claims process for your insurance company, we will expedite the time it takes to collect and send all necessary documentation in the process of filing your claim, as well as all subsequent negotiations with your insurance company. Because of our experience, we can perform all of these tasks in a matter of hours, ensuring the utmost efficiency on our end.
Public adjusters work on a contingent fee basis. Therefore, our payment is a percentage of your insurance settlement.
Yes, it is. Hiring a public adjuster can increase your settlement by 50% to 300%. This will also increase your budget on material costs.
While your insurance company might not like the prospect of paying out a higher settlement, they will be happy to work with a professional party who is experienced in the claims and negotiations process. Overall, your insurance company understands that negotiating with a public adjuster is the fastest, most reliable method of settling a claim.
Public adjusters dedicate more time to each claim than the insurance company adjuster. Therefore, they detect details that the insurance adjuster may overlook. With thorough soot, chemical, and moisture mapping, we can show insurance company adjusters hidden or overlooked damages. This helps us justify an increased repair estimate. Typically, this also results in a higher settlement for the policyholder.
There are three possible candidates:
- The individual property owner (you), who may lack the experience needed to estimate the claim.
- An attorney, who may charge up to 30% without providing restoration services.
- Public adjusters (us), who are licensed and experienced to negotiate the maximum possible settlement.
No, this is illegal. Contractors do not have the qualifications or experience to negotiate with your insurance company.
No. These contractors are preferred vendors of the insurance company. They are also often part of third-party administrator programs. Therefore, they are loyal to the insurer and not you, the policyholder. Contractors recommended by your insurer will often cut corners to save the insurer money. This will minimize your claim and in turn lower your restoration budget.
Once you make the decision to file an insurance claim, you should call a public adjuster. It is best to do this before actively filing the claim. Doing so gives the public adjuster time to gather needed documentation for your claim and handle all processes on your behalf. Nevertheless, you can always involve a public adjuster at any stage before settlement.
Have questions about your property damage claim?
On-Site Adjusting helps homeowners and businesses navigate the insurance claim process — from documenting damage to negotiating a fair settlement with the insurance company.
Illinois Public Adjuster Agency License #3000872396
IL License No: 16960983
WI License No: 16960983
CA License No: 4388919
CA License No: 6012768
IN License No: 4190845
Get 55% more out of your claim
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, Indiana, Michigan, 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, Indiana, Michigan, 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.
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🥳 We’re happy to announce that we are officially licensed in Indiana and ready to represent policyholders when insurance claims don’t add up
If something about your settlement feels off — get a second set of eyes 😉
Property damage is stressful.
Your claim process shouldn’t add to it 🤝
Doing claim inspections since the ice age 🫡
Life of a public adjuster 😅
If you’re struggling with your insurance claim — message me. Let’s take a look 😉
Insurance isn’t a favor. It’s a contract.
But most people never see the full contract in action 🤔
They’re shown a number.
Told it’s “standard.”
And pressured to accept it quickly.
What they’re not shown? The coverage they’re actually entitled to — and the damage hiding behind walls, ceilings, and paperwork.
That’s why public adjusters exist. To protect homeowners and business owners when insurance companies hope you won’t push back 😉
💬 If something about your claim doesn’t sit right — it probably isn’t.
📲 Free claim review available
Call (866) 861-4992
When the insurer offers quick patches instead of replacing 🥲
Has your claim ever been patched instead of properly fixed?
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 👌
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