Fire Damage
Claim
A fire caused by a short circuit, a lightning strike, or was it all because of an unattended candle? Yes, fire doesn’t ask for permission — it leaves behind nothing but ashes. But even after it’s extinguished, the real nightmare begins. The insurance company delays the process, and the compensation barely covers the basic fire damage restoration.
On-Site Adjusting team are licensed public adjusters and restoration contractors specializing in fire damage claims. We work solely as your representative: we achieve 100% compensation and perform fire restoration quick, turnkey.
We work for YOU – not your insurance company.
A fire caused by a short circuit, a lightning strike, or was it all because of an unattended candle? Yes, fire doesn’t ask for permission — it leaves behind nothing but ashes. But even after it’s extinguished, the real nightmare begins. The insurance company delays the process, and the compensation barely covers the basic fire damage restoration.
On-Site Adjusting team are licensed public adjusters and restoration contractors specializing in fire damage claims. We work solely as your representative: we achieve 100% compensation and perform fire restoration quick, turnkey.
We work for YOU – not your insurance company.
Why Is Your Residential or Commercial Fire Damage Claim Turning Into a Nightmare?
Insurance companies make money by paying out as little as possible. Their adjusters focus on minimizing what they owe — not on helping you. After the stress of fire or smoke damage, you’re left fighting a system that’s NOT designed to support you.
Top problems homeowners face when filing a claim
Claim denial
The insurance company looks for any excuse to say your fire damage isn’t covered — claiming, for example, that the cause of ignition doesn’t meet the terms of your policy.
Lowball estimate from the insurer
Unlike a fire adjuster, the insurer ignores hidden consequences. For instance, they “don’t see” that smoke has entered the ventilation system or that fire has damaged the load-bearing beams.
Delay tactics
You’re offered a “quick check” — a small amount, but right away. The logic is simple: you’re exhausted, scared, and ready to agree to 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 wrong, don’t settle. Call us for an independent damage assessment.
“There’s just been a fire. I need fire damage restoration near me. What should I do?”
Call us first – before you contact your insurance company. Acting quickly protects your rights and prevents the insurer from blaming you for delays.
One of the most common reasons for underpaid claims is underestimating smoke damage. The insurer records only surface traces, ignoring the fact that smoke penetrates walls, furniture, and ventilation systems. In reality, what’s needed is a full smoke damage cleaning service, not just a basic cleanup. Our job is to prove that your claim covers the deep consequences of the fire and to perform professional smoke damage cleaning.
Every day you delay benefits the insurer.
Don’t let that happen. Call now to secure your payout and high-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 anything, or waste your time. We handle all negotiations and will stay with you until every job is completed.
How do we work?
Step 1. Providing Comprehensive Emergency Services
Before any paperwork or negotiations, we protect the property, begin fire damage cleaning, and stop further damage.
Here’s what we do:
- Initial damage assessment. Prompt inspection to identify immediate risks.
- Emergency fire & smoke damage cleanup. Rapid removal of soot, ash, and toxic residues from surfaces, furniture, and ventilation.
- Board-up & property protection. Urgent closure of broken windows/doors, stabilization of structures, and protection of the home from weather, vandalism, and secondary damage.
- Odor neutralization. Air purification and treatment of fabrics and walls to eliminate smoke odors.
Step 2. Adjusting & Securing the Maximum Payout for Your Insurance Claim
We’re not the kind of companies that just send a bill to the insurer. We make them cover the actual cost of the damage. How?
- Policy analysis. We identify the provisions of your home fire insurance coverage that apply to your case.
- Documenting the consequences. We prepare a detailed report with the full scope of losses related to fire damage and restoration, and also complete the Proof of Loss document.
- Cost assessment. We calculate the actual cost of fire damage clean up and repair, which may not align with the insurer’s interests — but it’s fair to you.
- Negotiation and settlement. We present the insurance company with solid, irrefutable evidence. We don’t stop until you receive a fair settlement.
Step 3. Providing Fire Damage and Restoration
Once the funds are approved, it’s time for the fire & smoke removal service. Because we’ve already done the assessment, we know exactly where to start.
Here’s what we do:
- Structural repairs. Demolition of charred structures, replacement of damaged floors, walls, roofs, insulation, and more.
- Non-structural asset fire restoration. Assessment of damaged property (appliances, furniture, textiles) and obtaining insurance compensation for full replacement, not just cleaning.
- Full fire restoration under one contractor. Restoration of the property to its pre-fire condition. We do it quickly, safely, and within the agreed budget.
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
Homeowners
Business owners
Members of Homeowners / Condominium Association
Rental property owners
We provide public adjusting services 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
