The recorded statement
The carrier asks about the cause before anyone has read the policy. We read it with you first.
How a public adjuster claim works, from first call to payment
Six stages, on a home or a business claim. What you do at each one, and what we handle.
- $0 upfront
- Fee from the recovery only
- Licensed Illinois public adjusters
- Residential & commercial
Who does what, stage by stage
- 1Free review
Send the policy and any letters from the insurer.
Read the coverage and tell you whether you need us.
- 2Written contract
Sign only if you want us. The fee is written in it.
Tell your insurer we represent you and become their contact.
- 3Inspection
Give us access to the property.
Photograph and measure the roof, each elevation, the interior and any outbuildings.
- 4Estimate & filing
Review the estimate and add anything we missed.
Price every line at replacement cost and file it with the evidence.
- 5Negotiation
Get updates and decide on any offer.
Answer the carrier, attend re-inspections, argue each disputed line.
- 6Payment
Receive the insurer’s payment.
Take the agreed share of the recovery, and nothing before.
Two claims we ran from first call to the end
All results
The claim and the new roof, with one point of contact
We settled the claim; our construction partner did the build.
- Claim negotiated
- Roof rebuilt
- One point of contact
“They finished the roof in a single day, just like you said they would.” Nazar Paleshnyk
A flooded basement the policy did cover
The cause and the policy wording decided coverage, not a phone call.
- Cause established
- Coverage identified
- Claim handled
“They helped us work around insurance with our flooded basement.” Yaryna Dovhan
Three moments a claim slips when you handle it alone
One estimate on the table
Only the insurer has priced the loss. We put our own line-item estimate beside it.
The first offer
A payment arrives and looks final. We check it against our scope before you decide.
What clients say about the process itself
Highly recommend this company! They were patient with us — walked us through the whole process a few times, answered a million questions and explained everything in detail. Really appreciate that we were never pressured into more expensive options. The process was smooth and transparent from beginning to end.
Elena YanshinaGoogle review · April 2023
Professional, responsive, on-time, and delivering exactly what they promised every step of the way. Would highly recommend.
Alina RudianynGoogle review · August 2023
Amazing service, great job, everything was done momentarily! Thank you.
romchyskoGoogle review · May 2023
Before the review, and before you settle
Bring to the free review
- The declarations page of your policy
- Your claim number, if already reported
- Photos or video taken before cleanup
- Letters, estimates or payments from the insurer
- Receipts for tarps, board-up or water removal
What you get from us before you settle
- A written statement of the scope, amount and value of the damage
- The insurer’s estimate compared with ours, line by line
- No settlement agreed without your consent
What Illinois requires of us while we handle your claim
From the state’s standards of conduct for public adjusters.
Your side
We must serve your interests alone, with objectivity and complete loyalty.
215 ILCS 5/1590(a)Paid to you
On a home claim, the insurer pays the named insured or the person you designate.
215 ILCS 5/1590(i)30 days
If a check names us both, you release our share within 30 calendar days or explain the delay in writing.
215 ILCS 5/1590(i)No salvage deals
No interest in salvaged property without your written consent after settlement.
215 ILCS 5/1590(e)Do I still talk to my insurance company once you are hired?
You can; you remain the policyholder. Day to day, the carrier’s adjuster contacts us, and we tell you what they asked for.
Can you take over a claim that is already open?
Yes. Send us the claim number, the carrier’s estimate and its letters, and we pick it up where it stands.
What do I pay, and when?
Nothing upfront. Our fee is a share of what the insurer pays, written into the contract you sign, and it is paid after the insurer pays you.