Claim Denied, Underpaid, or Delayed?

The best time is as early as possible—ideally right after damage occurs, before you speak with your insurance company. However, we can also help if your claim has already been filed, denied, underpaid, or delayed. Early involvement allows us to document damage properly from the start, but we frequently step in mid-process to correct issues or overturn denials.

An insurance adjuster works for the insurance company. Their job is to investigate the claim and determine how much the insurer will pay—often with an incentive to minimize costs.

A public adjuster works for you, the policyholder. We represent your interests only. We document damage, review your policy, prepare estimates, and negotiate with the carrier to maximize your settlement. We're paid only when you recover funds, so our interests are aligned with yours.

Many denials are based on incorrect assumptions, incomplete inspections, or misinterpretation of policy language. We overturn denials by:

• Re-inspecting the property with proper tools (thermal imaging, moisture meters, etc.)
• Providing evidence that contradicts the denial reasoning
• Citing specific policy language that proves coverage applies
• Filing formal appeals with comprehensive documentation

Public adjusters typically work on a contingency basis, meaning we're paid a percentage of the settlement we recover for you. You pay nothing upfront.

The fee percentage varies based on the complexity of the claim and when we're hired (early vs. after a denial). All fees are disclosed clearly in a written agreement before we begin work.

If we don't recover funds for you, you don't pay us. Our fee comes only from the settlement increase we achieve.

Photos/Video: The more visual documentation, the better. Capture damage from multiple angles, close-ups, and wide shots showing context. Date-stamped photos are ideal.

Policy Documents: Your insurance policy (declarations page, coverage details, endorsements).

Prior Correspondence: Any emails, letters, or notes from conversations with your insurance company.

Receipts/Records: For high-value items, maintenance records, or recent home improvements that may affect replacement costs.

Timeline varies based on claim complexity, damage extent, and carrier responsiveness. Simple claims may resolve in weeks, while complex or contested claims can take several months.

Illinois, Indiana, and Wisconsin have regulations requiring insurers to respond within specific timeframes, but delays still happen. We push carriers to move quickly and keep you informed throughout the process.

• Not documenting damage immediately – Photos and videos are critical
• Making repairs before inspection – Can make it harder to prove extent of loss
• Accepting the first offer without review – Initial offers are often low
• Giving recorded statements without guidance – Words can be used against you
• Missing deadlines or failing to respond – Can result in claim denial

Don't accept the denial without a second opinion. Insurance companies often cite policy exclusions that don't actually apply, or they misinterpret the cause of damage.

Contact us immediately. We'll:

• Review the denial letter and your policy
• Re-inspect the damage with proper tools and expertise
• Provide evidence that challenges the denial
• File a formal appeal if warranted

Yes. Contractors and public adjusters serve different roles. A contractor repairs your property. A public adjuster handles the insurance claim.

Contractors aren't licensed to negotiate insurance claims and don't specialize in policy interpretation or claims documentation. We work alongside your contractor to ensure the insurance settlement covers the full scope of repairs needed.

Yes. We frequently step in after claims have already been filed, denied, or underpaid. Even if you've been working directly with your insurance company, we can take over and advocate on your behalf moving forward. The sooner we get involved, the better—but it's rarely too late to improve your outcome.

You have every legal right to hire a public adjuster. It's your policy, and you're entitled to representation. Insurance companies deal with public adjusters routinely—it's a normal part of the claims process.

In fact, having professional representation often leads to faster, smoother resolutions because we speak the same language as insurance adjusters and handle claims efficiently.

We are licensed to represent policyholders in Illinois, Indiana, and Wisconsin. We handle residential property claims throughout these states, including wind & hail damage, water damage, fire damage, and other covered perils.