Water Damage
Claim
A pipe burst, the roof leaked, or the washing machine broke down. Think the worst is over? Not yet. First, you’ll have to battle with the insurance company — then comes the search for a water damage restoration contractor willing to work for the pennies you obtained from the insurance coverage.
Want to avoid that? On-Site Adjusting is a state-licensed company providing both public adjusting and restoration services. We work to get you the maximum compensation for your water insurance claim and take care of the entire restoration process.
We work for YOU – not your insurance company.
A pipe burst, the roof leaked, or the washing machine broke down. Think the worst is over? Not yet. First, you’ll have to battle with the insurance company — then comes the search for a water damage restoration contractor willing to work for the pennies you obtained from the insurance coverage.
Why Is Your Water Damage Home Insurance Claim Turning Into a Nightmare?
Insurance companies profit by paying out as little as possible. Their adjusters are focused on minimizing what they owe — not helping you. After the stress of water damage in the house, you’re left battling a system that’s NOT built to support you.
Top problems homeowners face when filing a claim
Claim denial
They look for any excuse to say that your 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.
Delay 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.
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 off, don’t settle. Call us for an independent damage assessment.
“There’s just been a flood. 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 a denied payout is when the insurance adjuster tries to reclassify your water damage as flood damage. Why? Because a standard policy doesn’t cover floods – and they know that perfectly well. Our job is to prove that your claim is related to an internal cause (a pipe, roof, or appliance) and may be covered under your policy.
Every day of your delay benefits the insurer.
Don’t let that happen. Call now to get your payout and 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, and waste your time. We handle negotiations and stay until the final coat of paint is on the wall.
How do we work?
Step 1. Securing the maximum payout for your insurance claim
We’re not the kind of company that just sends a bill to the insurer. We make them cover the actual cost of the damage. How?
- Policy analysis. We identify the water damage coverage insurance provisions that apply to your case.
- Documenting the consequences. We prepare a report with the full scope of the loss.
- Cost assessment. We calculate the cost of water damage repair, which may not be in the insurer’s best interest – but it’s fair to you.
- Negotiation. We present the insurance company with solid, irrefutable evidence. We don’t stop until you receive a fair settlement.
Step 2. Providing water damage restoration
Once the funds are approved, we begin restoration right away. Because we’ve already done the assessment, we know exactly where to start.
Here’s what we do:
- Emergency water removal. Fast water extraction and moisture normalization to prevent further damage.
- Water mitigation. Professional drying and disinfection on any floor, including basement water cleanup.
- Structural repairs. Restoration of walls, floors, and ceilings.
- Carpet water damage repair, securing insurance compensation for full replacement of damaged property, 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 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 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 issues. We work solely for you.
Who We Help
Homeowners
Business owners
Members of Homeowners / Condominium Association
Rental property owners
We provide water 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 – so should you. 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
