Licensed Illinois Public Adjusters · Since 2019
The insurance company has an adjuster.
Now you do too.
We represent property owners — never insurance companies — in residential and commercial claims across Illinois. We document your loss, value it independently and negotiate your maximum settlement. Paid only when you are.
- $0 upfront — fee comes from the recovery
- 4.9★ from 33 Google reviews
- Residential & commercial
The part nobody explains
Every adjuster on your claim works for someone.
Three kinds of adjusters can show up after property damage. Two of them are paid by the insurance company.
Staff adjuster
Works for the insurance company
- Employed and paid by your carrier
- Settles within company guidelines
- Measured on cost control
"Independent" adjuster
Hired by the insurance company
- Independent of the carrier’s payroll — not its interests
- Paid per claim by the carrier
- Reports to the carrier, not to you
Public adjuster
Licensed to work for you
- Represents the policyholder only
- Paid from your recovery — aligned with your outcome
- Licensed & regulated by the Illinois Dept. of Insurance
That’s us.
Representation changes outcomes.
In a Florida state study of hurricane claims, settlements for policyholders who used a public adjuster averaged 747% higher than for those who went it alone.*
* Florida OPPAGA Report 10-06 (2010), Citizens Property Insurance claims. Individual results vary — no outcome is guaranteed.
Claims we handle
If it damaged your property, it’s our kind of claim.
Ten claim types, one standard: everything documented, everything valued, everything negotiated.
How it works
Six steps between you and a settled claim.
You make one decision — to be represented. We do the rest, and you’re informed at every step.
See the full process-
01
Free policy & claim review
We read your actual policy — coverage lines, endorsements, deductibles, deadlines — and give you a straight answer on whether the claim is worth pursuing. No fee, no obligation, no pressure.
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02
Document every dollar of damage
On-site inspection the way carriers train their own experts: roof to foundation, photos, measurements, moisture readings, contents inventories. Damage that isn’t documented doesn’t exist — so we document everything.
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03
Value the loss independently
We build our own line-item estimate at real, current construction cost — including code upgrades, matching requirements and everything the quick estimate leaves out. This number is the claim’s backbone.
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04
File & present the claim
The claim is filed complete: evidence, estimate, policy citations. We handle every call, letter and inspection request from the carrier — you stop spending your evenings on hold.
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05
Negotiate with the carrier
Line by line, against their estimate, with the evidence to win each line. Re-inspections, engineer reports, appraisal when needed. This is the part policyholders can’t do alone — and the part we do every day.
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06
You get paid — then we do
Our fee is a percentage of the recovery, regulated by Illinois law, and it comes out of the settlement — never out of your pocket up front. If you don’t get paid, neither do we.
Recent outcomes
What an approved claim turns into.
Real properties, restored after settlements we negotiated — each one backed by the client’s own public review. See the results in detail
What clients say
People we’ve stood next to.
I had a very positive experience working with this public adjuster company. From the very beginning, the team demonstrated a high level of professionalism, attention to detail, and a genuine commitment to helping their clients. I highly recommend this company to anyone looking for a reliable and experienced professional who truly works in their client’s best interest.
Thank you for great service! Claim approved for full roof replacement, siding and gutters as well!
My experience with State Adjusting Services was smooth — they helped us work around insurance with our flooded basement. The workers were polite! Definitely recommend!
Claim + rebuild, under one roof
We settle the claim. Our partner rebuilds the property.
Illinois law draws a clean line: only a licensed public adjuster may negotiate your insurance claim, and only a licensed contractor should rebuild your home. We’re the first; State Restoration Services — a licensed, family-owned Illinois roofing and exteriors contractor — is the second.
- One coordinated team from first inspection to final nail
- The settlement scope and the construction scope always match
- You’re free to choose any contractor — no strings attached
Good questions
Things policyholders ask us first.
What exactly is a public adjuster?
A public adjuster is a licensed insurance professional who represents the policyholder — you — in a property insurance claim. The insurance company has trained adjusters working on its side of your claim; a public adjuster is the licensed equivalent working exclusively on yours: documenting the loss, valuing it independently and negotiating the settlement.
How is State Adjusting Services paid?
A percentage of your insurance recovery, regulated by Illinois law — agreed in writing before we start, paid out of the settlement, never out of pocket. No recovery, no fee. The policy review and initial claim assessment are free.
Whose side is the insurance company’s adjuster on?
The insurance company’s. Staff adjusters and the "independent" adjusters carriers hire are both paid by the carrier and work within its guidelines. They may be perfectly pleasant — but their job is to settle your claim within the company’s numbers. A public adjuster is the only adjuster licensed to work for you.
Can’t I just handle the claim myself?
You can — the way you can represent yourself in court. The claim process is built by carriers, staffed by professionals and priced by software you don’t have. Policyholders with professional representation consistently recover more; a Florida state study (OPPAGA, 2010) found settlements up to 747% higher on hurricane claims with a public adjuster involved.
Free claim review · No obligation
Find out what your claim is actually worth.
One conversation. We read the policy, look at the damage and give you a straight answer — even if that answer is "you don’t need us."