Public Adjuster in ILLINOIS

Dealing with a broken pipe due to freezing, catastrophic fire damage, or flood damage? Our certified independent adjusters and restoration experts in Illinois are ready to act. We advocate for your rights and negotiate insurance settlement claims for both commercial and residential properties.

Water and fire damage, clogged drains, or building collapse occur unexpectedly and always at the worst possible time. What do property owners end up with? Destroyed premises, lost property, stress, and huge financial losses.

There’s no time to waste – you must urgently deal with the insurance company. Of course, there’s hope that the insurer will resolve everything quickly, but in reality, they artificially delay the process and use complicated policy wording to reduce payouts or document only part of the losses.

It’s unfair – and we know it. That’s why the adjusters on demand from On-Site Adjusting in Illinois take over your case completely: they document the losses and handle insurance claim negotiation so you receive the maximum payout under your policy. And after the amount is approved, we handle the repairs ourselves so you don’t have to look for contractors.

You are no longer alone. From the first call to the last nail, we are your voice and your support.

fire damage claimafter fire damage restoration

TOP PROBLEMS POLICYHOLDERS FACE WHEN FILING A CLAIM IN ILLINOIS

Claim denial

They look for any excuse to say that your fire or water damage coverage on homeowner's insurance doesn’t apply in this case.

Lowball estimate from the insurer

Hidden damage often gets ignored. For instance, mold growing behind a wall may be conveniently “missed” in the inspection.

Pressure tactics

They offer quick, low payouts, hoping you’ll take the money out of frustration and stress.

No matter what’s happening with your claim, we know exactly what to do.

A fire, flood, or natural disaster hitting your apartment or private house forces you to find another place to live during the repairs and spend extra money on them. And if commercial property is affected, be prepared for business income loss and missed deadlines specified in client contracts.

At On-Site Adjusting, we offer Illinois residents a different approach. First, a certified public adjuster for an insurance claim performs a total loss inventory, prepares the documents, and communicates with the insurance company’s representative. Then, a dedicated team of flooding or fire restoration contractors takes over. They perform all the necessary work, including dismantling damaged structures, installing electrical systems, setting up plumbing, repairing or replacing the roof, painting walls, laying flooring and tiles, and so on.

Our 2-in-1 service is cost-effective because we don’t inflate repair costs – we do the work ourselves. The estimate is based on market rates already reflected in the insurance claim. You get a transparent assessment agreed upon with the insurer, with no hidden costs and no conflict of interest.

Here’s what we handle every day:

  • Fire and smoke damage restoration (electrical short circuit, smoke infiltration into the HVAC system).
  • Water damage insurance claims (overflow of water, burst or frozen pipe, clogged drain).
  • Storm, hail, and wind damage restoration (roof damage, torn-off structures, flooding).

At On-Site Adjusting, we provide public adjusting and personal property damage restoration services throughout Illinois on a legal basis (licenses No. 3000872396 and No. 16960983). One team means full process control, clear steps, and real results.

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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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    Peter Franeczek
    02:11 01 Oct 25
    I have used Mike and his team for water damage claim in one of my buildings in Chicago, he handled everything from water clean up to full restoration, the Insurance company wanted to offer a fraction of the final estimate that he negotiated. Very satisfied, very professional.
    Jerry Moreno
    19:23 21 Sep 25
    One of our rental units had an electrical fire, and while no one was hurt, the place was unlivable. Insurance was slow to respond and kept saying the repairs weren’t "urgent." Meanwhile, our tenants had nowhere to go, and we were stuck covering extra costs. On-Site Adjusting stepped in, kept the pressure on, and didn’t let the insurance brush anything under the rug. Without them, we would’ve been waiting for months. If you have a rental property and think insurance will just handle things - don’t count on it.
    Alexandra Barison
    10:42 16 Sep 25
    Left a candle burning in the bedroom, and somehow it caught the curtains. The fire was out quickly, but the smoke spread everywhere - walls, furniture, even inside the vents. Thought insurance would cover everything, but they tried to lowball us hard. Mike stepped in, knew exactly how to handle them, and got us a proper payout. He made the whole process way less stressful. Now the house is back to normal!

    Not sure if you fit into our service area?

    WE WORK FOR YOU, NOT THE INSURANCE COMPANIES

    Real Value, Not Lowball Offers

    With 700+ claims secured, we fight for the full payout your loss deserves — not the insurer’s first offer.

    Full Recovery: from Claim to Rebuild

    One team handles it all: documentation, negotiations, and complete restoration.

    24/7 Response. Fast Results

    We’re always on call — ready to assess damage, build estimates, and launch your recovery plan without delay.

    Who Are We?

    On-Site Adjusting is a team of certified home and business public adjusters and restoration contractors. For over 15 years, we have been helping property owners in Illinois secure fair compensation after fire, water, storm, or wind damage. Moreover, our adjuster services are also available in Wisconsin and California.

    We believe that everyone who pays insurance premiums every month deserves full compensation. Thanks to our work, insurance payouts increase by 150–300%. The largest amount we helped a client recover after underpayment by an insurance company exceeded $3.1 million.

    Most importantly, after the payout is approved, we also handle water and fire damage repair. You are relieved from searching for contractors and coordinating all processes.

    We stay by your side and make sure you get both your payment and peace of mind.

    I’ve seen too many good people get lowballed after serious damage. You need someone who knows how the system works — and isn’t afraid to push back against the insurance company until every dollar of your loss is accounted for.

    Mike Kwak, Founder of On-Site Adjusting

    WHO WE HELP

    Homeowners

    Fire, flooding or a burst pipe in your home? As your public adjuster for insurance claim, we secure a fair payout and then handle the fire & water damage restoration using those funds.

    Business owners

    Fire and water damage can paralyze your business. Stop enduring downtime. We document the losses, file business interruption insurance claims, negotiate with the insurer, and perform commercial restoration.

    Members of Homeowners / Condominium Association

    One incident can affect dozens of owners. We handle large loss insurance claims in Illinois, represent the interests of every property owner, and ensure the restoration of shared infrastructure in line with insurance requirements.

    Rental property owners

    Damaged rental property means double loss: repair costs and lost rental income. We file a loss of use claim, negotiate compensation with the insurer, and quickly restore the property so you can get your tenants back as soon as possible.

    Licensed ILLINOIS Public Adjuster Service Area

    Don’t see your city listed? Contact us — we serve homeowners and businesses across all of Illinois

    Commercial fire damage
    Residential fire damage
    Car crash through a house
    Residential fire damage
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    Each case we present reflects a real situation faced by a property owner in Illinois. Fire, flooding, building collapse – followed by complicated communication with the insurance company, which often undervalues the compensation or ignores part of the damages.

    We have seen firsthand how insurance companies undervalue claims, overlook hidden damages, and delay the process. That’s why On-Site Adjusting operates with a unique partnership model: local public adjusters document even the smallest damages that the insurer may have missed (either accidentally or intentionally), while contractors perform fire and water damage clean up or restore the property from scratch.

    We don’t work “like everyone else.” We dive deep into each case, understand the details, and act professionally. The result? Our clients in Illinois typically secure 150–300% higher settlements than the insurer’s first offer.

    If you are in a similar situation now, we are ready to act for you. No templates. No delays. No unnecessary costs.

    Questions about your property damage? We’ve got answers.

    Problems We Solve

    Frequently Asked Questions

    Dealing with an insurance claim? Here’s what our clients ask most often!

    The most common are Illinois water damage and fire incidents. But that’s not all. The most common are Illinois water damage and fire incidents. But that’s far from all. In particular, we handle damage caused by severe weather: cracks from extreme cold or roof punctures from hail. We are licensed independent adjusters with experience handling all these types of claims.

    Before you even contact the insurance company. The earlier we get involved, the more accurately damages for loss of use of property and repair are documented, and the less chance there is that the insurer will miss or undervalue anything. We document everything correctly because our goal is to maximize your payout.

    Yes. We both file claims and handle fire and water damage restoration: foundation repair, roof replacement, and fire damage cleanup. You don’t need to search for contractors – we do everything turnkey.

    No, we handle everything. If you have photos of the damage, documents from your insurer, or a copy of your policy, it can help speed up the process. But even without these, our adjusters on demand will begin work.

    Yes. We handle commercial claims for businesses, offices, warehouses, and retail spaces, including business interruption insurance claims if the damage resulted in lost income.

    Yes. We can review your case, make corrections, submit additional documents, or challenge underpayment. Even if the process has already started, it’s not too late to involve our accredited claims adjuster.

    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.
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    Insurance companies love to pretend they don’t see the real fire damage 🙈

    ✅ As licensed public adjusters, we review every detail of your insurance claim and fight back when they try to downplay losses.

    💬 Have you ever had an adjuster minimize your fire or water damage?
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    Public adjusters can often help you secure 200+% more on your insurance claim settlement.

    Why?
    Because we dig deep into your policy, identify hidden coverage, and make sure you actually receive the benefits you’ve been paying for.

    At the end of the day, insurance is a contract — not a favor 😉
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    Whether it’s a burst pipe, fire loss, or storm damage, On-Site Adjusting protects property owners from underpaid claims.

    📲 Public adjusting + restoration expertise = stress-free recovery
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    🔥 Palisades Fire Update: Families are still waiting for fair insurance claim settlements after devastating fire damage.

    We’re licensed public adjusters.
    We don’t work for insurance companies — we fight them to secure the payout you deserve.

    📲 DM us if you or someone you know needs a free fire claim review
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