State Adjusting Services

Claims we handle

Every claim type. One standard.

Whatever damaged your property, the job is the same: document everything, value it independently, and negotiate until the settlement matches the loss.

10 claim types 4.9★ on Google $0 upfront Since 2019 in Illinois
01 Hail DamageBruised shingles, cracked siding and dented metal — damage adjusters routinely undercount from the ground. Fractured shingle mats that only show…Matching 02 Storm DamageWhen one storm hits roof, siding, fence and interior at once, the claim has a dozen moving parts. We run all of them. Interior water damage traced to…Detached structures 03 Wind DamageCreased shingles and broken seals fail in the next storm — we make sure they count in this claim. Broken adhesive sealsCreased shingles counted as… 04 Water DamageBurst pipes, appliance failures and roof leaks — fast-moving claims where the first 48 hours decide the outcome. Saturated insulation and wet framing…Flooring continuity 05 Flood DamageSurface water, sewer backup and sump failure claims — coverage lines most homeowners discover too late. Sewer/drain backup endorsements the…Category 3 contamination protocols 06 Ice & Snow DamageIce dams, snow-load stress and freeze events — winter claims Illinois carriers see coming and price low. Wet insulation above the stainShingle and underlayment damage at the… 07 Fire & Smoke DamageThe highest-stakes claim there is — structure, smoke, contents and living expenses, all negotiated at once. Smoke contamination in HVAC systems,…Full replacement-cost contents… 08 Tornado DamageCatastrophic wind events with overwhelmed carriers and rushed inspections — when representation matters most. Structural racking that makes a…Uplift damage to roof framing… 09 Explosion DamageGas, appliance and equipment explosions — complex causation questions with serious money on the table. Pressure-wave damage distant from the…Structural assessment of framing and… 10 Vandalism & TheftBreak-ins, vandalism and malicious mischief — claims where documentation discipline decides the payout. Building damage caused during the theftFull replacement value of stolen…

Don’t see your loss here? These are the ten most common — not the limit. If a covered peril damaged your residential or commercial property in Illinois, bring us the claim and we’ll give you a straight answer.

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."