Fire Damage
Claim
Electrical wiring ignition, kitchen negligence, or was it your neighbor’s barbecue to blame? 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.
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 compensation 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. Securing the Maximum Payout for Your Insurance Claim
We’re not one of those fire and restoration companies that simply sends a bill to the insurer. We make them cover the actual cost of the damage. How?
- Policy analysis. We identify the sections of your home fire insurance coverage that apply to your case.
- Documenting the consequences. We prepare a report detailing the full scope of the loss.
- Cost assessment. We calculate the real cost of fire damage clean up and repair – which may not be in the insurer’s best interest, but it’s fair to you.
- Negotiation and settlement. We present the insurance company with solid, irrefutable evidence and don’t stop until you receive a fair settlement.
Step 2. Fire Damage Clean-up
Once the funds are approved, we immediately begin fire damage cleaning. Since we’ve already completed the assessment, we know exactly where to start.
Here’s what we do:
- Emergency smoke damage clean up. Fast removal of soot, ash, and toxic residues from surfaces, furniture, and ventilation systems.
- Odor neutralization. Air purification and treatment of fabrics and walls so your home no longer smells like smoke.
- Structural repairs. Demolition of charred structures, replacement of damaged beams, walls, roofing, insulation, and more.
- Non-structural asset fire restoration. Evaluation of damaged property (appliances, furniture, textiles) and securing insurance compensation for full replacement – not just cleaning.
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 recommend 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 recommend the right partner for your situation.
Partnership With On-Site Adjusting — No Headaches
Your insurance provider will likely send their preferred company. But who are they really working for? 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 problems. We work solely for you.
Who We Help
Homeowners
Business owners
Members of Homeowners / Condominium Association
Rental property owners
We provide fire clean up services and public adjusting 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.
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!
Made it through the fire?
Now don’t let paperwork, delays, or one wrong move ruin your recovery.
Here are the most common (and costly) mistakes people make after fire damage — and how to avoid them.
📲 Book a free consultation with our team today.
We fight for what your insurance owes you 👌
Before the insurance company writes their lowball estimate, we’re already on-site.
✅ Securing the property
✅ Documenting real fire damage
✅ Protecting the policyholder
First step after a fire: protect what’s left.
We handle emergency board-up and fight for your insurance claim.
📞 DM us or call 866-861-4992 for immediate help.
