Our process
You’ve got one job: say yes once.
After that, the claim is our problem. Here’s exactly what happens, in order, from the first call to the settlement check.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
First 48 hours
Damage just happened? Do these five things.
Great customer service. I was uninformed on this kind of work but this business helped me step by step with fixing my problem.
- Make it safe. People first — stay away from structural damage, standing water near electricity, and gas smells.
- Stop the bleeding. Tarp the roof, shut the water off, board the window. Your policy requires reasonable steps to prevent further damage — and reimburses them.
- Photograph everything first. Before cleanup, before repairs: wide shots, close-ups, video walkthroughs. Keep damaged parts — especially failed pipes and appliances.
- Keep every receipt. Tarps, fans, hotel nights, meals — emergency expenses belong in the claim.
- Call us before the recorded statement. The free review costs you nothing and sets the claim up correctly from the first conversation with the carrier: (630) 297-8136.
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."