Public Adjuster in Wisconsin

House fire, burst pipe, or toilet overflowing from tank? Terrible situations that always catch you off guard. As local public adjusters serving Wisconsin, we’ll take care of everything for you. We will file an insurance claim for water and fire damage and fight for a fair compensation payout.

The consequences of a fire, burst pipe, building collapse, or flooding are undoubtedly devastating. Owners of residential and commercial properties in Wisconsin are left alone with damaged walls, pipes, or foundations.

Usually, in such cases, people call the insurance company hoping to get money for restoration work or a full repair. However, their hope cruelly crashes against reality. The insurer is interested in minimizing the payout as much as possible, which is exactly what they do — looking for loopholes in the policy or documenting only half of the harm caused. In the end, everyone wins except the owner.

However, there is a way to win if you have an experienced public insurance adjuster from On-Site Adjusting on your side. They will assess and document the damages, file independent claims, and handle negotiating a settlement agreement with the insurance company in Wisconsin.

Take the burden off your shoulders — you are not alone in the fight for justice with us.

fire damage claimafter fire damage restoration

TOP PROBLEMS POLICYHOLDERS FACE WHEN FILING A CLAIM IN WISCONSIN

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.

Water or fire damage not only harms property. Such emergencies disrupt the usual rhythm of life, shake financial stability, and emotionally knock you off track. Moreover, if commercial property is affected, the business should expect loss of use damages, with consequences such as downtime, dissatisfied customers, negative impact on reputation, and loss of part of the income.

Going through the complex process of insurance claims is not easy, and it is even harder if you do not understand legal and regulatory matters. As your public insurance adjuster in Wisconsin, we’ll act decisively, explain every step clearly, and always put your interests first. We know what real losses look like – and how to properly conduct a total loss inventory. What do we deal with every day? In short:

  • Fires: from local blazes to the complete destruction of a building.
  • Flooding: burst pipes, overflow for toilet, foundation damage.
  • Natural disasters: hail, storm, or wind damage.

In accordance with state law, we cannot carry out repair work directly. However, we have an extensive network of verified contractors whom we trust. We assure you that these will not be preferred vendors working in the insurance company’s interest. We will direct you to the best independent specialists, ensuring that you receive high-quality repairs without overpaying.

On-Site Adjusting is a team of the best claims adjusters for home and business. We work in Wisconsin under license No. 16960983. We know how to get the maximum from the insurance company legally. We are ready to listen to your story and offer a strategy that works. We are here to protect you.

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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 licensed public adjusters who have been protecting clients in property insurance cases for over 15 years.

    We work with residential and commercial claims in Wisconsin, Illinois, and California, helping property owners receive fair compensation after fire, water, wind, storm damage. Moreover, we control the entire process – from damage assessment to settlement negotiation.

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

    Yes, our team assists with the filing and settlement of insurance claims, but that’s not all. We give you back the most important thing – control over the situation.

    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

    Has your home suffered fire and water damage? As your public adjuster for insurance claim, we fight for compensation that fully covers your repair costs.

    Business owners

    Has a fire or flood at your business paralyzed operations? We handle business interruption insurance claims in Wisconsin and work to recover compensation for downtime and loss of profits.

    Members of Homeowners / Condominium Association

    One event – dozens of victims. We coordinate large loss insurance claims procedures. We are interested in ensuring that each member receives their share of the compensation.

    Rental property owners

    Damaged housing hits your wallet. And not only because of repair costs, but also because of daily losses of rental income. Stop going into the red – it’s time to file a loss of use claim.

    Licensed Wisconsin Public Adjuster Service Area

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

    Commercial fire damage
    Residential fire damage
    Car crash through a house
    Residential fire damage
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    Every case you see here is more than just impressive numbers and equally impressive visuals. These are stories of people who faced loss, uncertainty, and complex settlement negotiations with insurance companies. Behind every figure is a home, a business, or a community that needed compensation and demanded justice.

    In our 15 years of work, we have realized: experience is not just an advantage – it is a necessity. With each year, the On-Site Adjusting team becomes more precise, faster, and more attentive to details.

    We do not work by a template, as insurers often do. Instead, we analyze situations more deeply, carefully inspect the property, and find what is often deliberately overlooked by the agent. We document hidden damages, undervalued losses, and missed details – everything that could potentially affect the payout amount. That’s why our clients in Wisconsin receive 150–300% more than the initial offer.

    We do not promise magic, but we guarantee professionalism. And if you see yourself in one of these cases, know this: we are ready to fight for your outcome just as we fought for each of them.

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

    Problems We Solve

    Frequently Asked Questions

    Have questions about insurance claims or compensation? We have the answers!

    An adjuster sent by the insurance company works for them. Their job is to minimize your payout and save money for the insurer. An independent public adjuster, like On-Site Adjusting, works exclusively for you and protects your interests.

    Yes. The main thing is to keep all documents, photos, and receipts related to fire and water damage and expenses. We can help file residential or commercial claims even after work has begun.

    We assess the damages, create our own evaluation, negotiate with the insurance company, and manage the entire process – from the first call to the final decision. The duration of settlement negotiations depends on the complexity and extent of the damages and on whether the insurance company is willing to cooperate. In any case, we strive to speed up the process and minimize delays.

    Yes. On-Site Adjusting is a licensed independent adjuster. We operate in Wisconsin under an official license (No. 16960983), giving us the legal right to represent residential and commercial property owners in insurance matters.

    According to local law, we do not provide restoration services directly. However, we can recommend trusted contractors who specialize in fire and water damage restoration, according to the type of damage and the scale of the loss.

    We cover a wide range of water damage: burst pipes, flooding, roof leaks, sewer backups, water overflow, and clogged drains. Our team carefully documents the damage, prepares an independent assessment, and pursues fair compensation for property owners in Wisconsin.

    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!
    ...

    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.
    ...

    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?
    ...

    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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