Public Adjuster
INSURANCE CLAIMS ARE COMPLEX.
WE MAKE THEM WORK IN YOUR FAVOR!
We know how the system works and won’t let you settle for less. The insurer’s first offer is only the tip of the iceberg. While you’re trying to understand complex terms, the company offers the minimum. Our licensed public adjuster will help review your claim and secure full coverage under your property damage insurance.
WHAT IS A PUBLIC ADJUSTER?
A public adjuster is a licensed claims professional who represents you, not the insurance company.
While the insurance adjuster works for the carrier, a public adjuster works for the policyholder to ensure the full scope of damage is identified, documented, and paid for.
A public adjuster is a licensed claims professional who represents you, not the insurance company.
While the insurance adjuster works for the carrier, a public adjuster works for the policyholder to ensure the full scope of damage is identified, documented, and paid for.
PUBLIC ADJUSTER
REPRESENTS THE POLICYHOLDER
INSURANCE ADJUSTER
REPRESENTS THE INSURANCE COMPANY
Conducts a full inspection, documents every structural and contents loss, prepares the claim package, and negotiates on your behalf for the most accurate settlement.
Evaluates the loss on behalf of the insurance carrier and determines what the company believes should be covered.
We only get paid when you get paid — our fee is a percentage of your final settlement.
Paid by the insurance company to manage its financial exposure.
Licensed, bonded, and regulated by the state to advocate for homeowners and business owners.
Trained according to the insurance company’s internal standards and guidelines.
We protect your interests, level the playing field, and work to secure the full value of your claim as quickly as possible.
Works for the insurance carrier and helps manage the claim according to company policy and cost controls.
We work exclusively for you — ensuring your damage is fully documented, your rights are protected, and your settlement reflects the true scope of your loss.
HOW A PUBLIC ADJUSTER CAN INCREASE YOUR SETTLEMENT
When disaster strikes, the insurance company sends its own experts. Their goal is to close the case quickly and at minimal cost. We look at the situation differently.
Our claims specialist looks for hidden damages that are usually ignored (mold inside walls, microcracks in the foundation). Because of this, your insurance claim payout increases by an average of 200%. You receive money for full restoration, not just cosmetic repairs.
IF YOU’RE DEALING WITH PROPERTY DAMAGE,
ASK YOURSELF:
- Did the insurance offer seem too low?
- Did they try to patch instead of replace?
- Did they blame “wear and tear,” “maintenance,” or “pre-existing damage”?
- Did they send a preferred vendor who works for them — not you?
- Are they cleaning vs replacing?
OUR PROCESS
Contact us for a FREE claim review
We will review your case and policy free of charge to determine whether your damage to property claim was properly calculated.
Negotiate the Claim
As an experienced public adjusting firm, we handle all communication with the insurance adjuster regarding restoration claim negotiation.
Understand Your Coverage
We analyze all insurance coverages, including hidden provisions (such as mold remediation) that insurers prefer not to mention.
Challenge the Offer
If the insurer undervalues the damage, we challenge their assessment. Thanks to professional reports and expertise, your insurance claim will be paid in full.
Document the Full Damage
We conduct a detailed inspection. Our property claims adjuster documents every crack, smoke odor, or structural damage.
Get Paid Fairly
You receive a check that covers repair costs. Our independent adjuster takes a commission only after you receive the final compensation.
Questions about your property damage? We’ve got answers.
EXTENDED COVERAGE
YOU MAY HAVE
Many policies include additional coverage beyond the stated limits — often 10–50% more — but most homeowners aren’t aware of it.
YOUR POLICY MAY ALSO INCLUDE:
- Extended Replacement Cost: An additional 10 to 50% ABOVE your policy limit for structural replacement
- Mold Remediation: An extra $5,000 for mold cleanup
- Code Upgrades: An additional 10% of the policy limit for plumbing, electrical, HVAC, and insulation
- Debris Removal: An additional 5% of the policy limit for demolition costs
These coverages are written into your policy, but they’re often overlooked.
POPULAR INSURANCE CLAIM TYPES WE HANDLE
Fire Damage
We represent homeowners and businesses after fire losses, documenting structural, contents, smoke, and heat damage to pursue the full settlement you’re owed.
Flood Damage
We assist with flood-related losses by documenting structural and contents damage and coordinating coverage considerations where applicable.
Storm Damage
Our team handles wind, hail, and severe weather claims by documenting roof, exterior, and interior damage often underestimated by insurers.
Theft & Vandalism
We help property owners recover losses from break-ins, vandalism, and malicious damage by fully documenting stolen or destroyed property.
Water Damage
From burst pipes to appliance leaks, we evaluate sudden water damage, identify hidden impacts, and challenge underpaid or disputed claims.
Building Collapse
When structural failure occurs, we assess visible and hidden damage, coordinate expert evaluations, and pursue proper coverage for repair or rebuilding.
These are some of the most common claims we handle.
We also represent clients in additional claim types — visit the Claim Types section in our site menu
These are some of the most common claims we handle.
We also represent clients in additional claim types — visit the Claim Types section in our site menu
TRUSTED BY HOMEOWNERS. CHOSEN BY BUSINESSES.
Our results speak for themselves. Clients turn to us after an insurance company undervalues their claim or denies payment altogether. At that point, people are left without support, with the aftermath of fire or flooding, and with payouts that do not even cover a portion of their expenses.
We step in precisely when the situation seems hopeless. Collected evidence and policy analysis allow us to demonstrate the true scale of the losses.
Examples include cases where, after an incident, property owners received only minimal offers. After our intervention, settlements increased by hundreds of thousands of additional dollars, up to a record payout of $5.1 million. As a result, property owners are truly able to restore order in their homes or business offices.
Frequently Asked Questions
Dealing with an insurance claim? Here’s what our clients ask most often!
Yes. Even if you have already received the first check or were denied, a public insurance adjuster from On-Site Adjusting can step in and review the case. The key is to do so before signing final release documents.
Absolutely. Often, their initial offer covers only part of the actual loss. Even if you’ve already received a check, it doesn’t mean the case is closed. Our certified adjuster will conduct a reassessment to identify hidden defects and significantly increase the claim coverage amount.
No. It is your legal right to have a professional representative. Hiring licensed public adjusters is standard practice and is intended to balance the negotiating power with a large insurance company.
Yes, we handle commercial insurance claims of any complexity. If fire, flood, storm damage, burst pipes, or vandalism is covered by your policy, our public adjuster will help you obtain funds under your business interruption claim.
Each case is individual, but involving a public claims adjuster usually speeds up the process. A professionally prepared claim with supporting evidence is reviewed faster, leaving the insurance company with fewer reasons to deny compensation.
GET THE SETTLEMENT
YOU DESERVE
You’ve paid premiums for years and have the right to fair compensation. Getting insurance claim help is difficult because the insurance company acts in its own interests. We take everything on ourselves — from analyzing property damage coverage to negotiations.
You don’t have to go through this alone. Hire a public adjuster for insurance claims and get professional help.
Illinois Public Adjuster Agency License #3000872396
IL License No: 16960983
WI License No: 16960983
CA License No: 4388919
CA License No: 6012768
READY TO GET YOUR PROPERTY BACK TO NORMAL?
Fill in this form, and we'll get back to you shortly
❄️ Chicago freeze = burst pipe season.
When temperatures drop this fast, pipes fail fast — usually overnight. What happens next depends on how quickly you act.
Emergency shut-off, proper drying, and correct documentation protect both the property and the insurance claim.
📞 Call 866-861-4992 or message us if water shows up where it shouldn’t
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
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! 🙌
