Why Chicago Property Owners Trust Us With Their Most Important Claims
When your property is damaged and your insurance company is fighting to pay less, you need an advocate with the expertise, experience, and tenacity to get you every dollar you deserve.
We Consistently Get Clients 30-50% More Than Initial Offers
Insurance companies have teams of adjusters, attorneys, and experts working to minimize your payout. Shouldn't you have an expert team fighting exclusively for YOU?
Get 30-50% More Than Initial Offer
Our clients consistently receive settlements 30-50% higher than the insurance company's initial offer. We know how to identify and document damage that insurance adjusters miss or undervalue. On average, we've increased settlements by $127,000 per claim.
No Upfront Fees — We Only Get Paid When You Do
We work on a contingency fee basis. Our fee is a percentage of the additional amount we recover for you above the insurance company's initial offer. If we don't increase your settlement, you owe us absolutely nothing. No hidden fees, no surprise charges.
Licensed & Experienced Team
All our public adjusters are licensed by the Illinois Department of Insurance and carry the required $50,000 surety bond. With 30+ years of combined experience, our team includes former insurance company adjusters who know every tactic insurers use to minimize payouts.
Local Chicago Experts
We're not a national call center — we're based right here in Chicago. We know local building codes, Chicago-area contractors and their rates, Illinois insurance regulations, and the specific challenges Chicago properties face from weather and aging infrastructure.
Proven Track Record
Over 500 successfully resolved claims. $75+ million recovered for Chicago-area policyholders. 98% client satisfaction rate. BBB A+ accredited since 2010. Our results speak for themselves.
📊 By The Numbers
Insurance Company Adjuster vs. Public Adjuster
Understanding who works for whom is crucial. Here's the fundamental difference:
Insurance Company Adjuster
- ✗ Works for the insurance company
- ✗ Paid by the insurance company
- ✗ Incentivized to minimize payouts
- ✗ Often misses hidden damage
- ✗ Uses depreciation to lower values
Chicago Public Adjuster
- ✓ Works exclusively for YOU, the policyholder
- ✓ Paid only from your increased settlement
- ✓ Incentivized to maximize your recovery
- ✓ Thoroughly documents ALL damage
- ✓ Fights for full replacement cost values
Frequently Asked Questions
Get answers to the most common questions about working with a public adjuster.
A public adjuster is a licensed insurance professional who works exclusively for policyholders (not insurance companies) to help them get the maximum settlement from their insurance claim. We handle everything: reviewing your policy, documenting damage, preparing estimates, negotiating with the insurance company, and ensuring you receive every dollar you're entitled to under your policy.
We work on a contingency fee basis, meaning we only get paid if we increase your settlement. Our fee is a percentage of the additional amount we recover above the insurance company's initial offer. There are no upfront costs, no hourly fees, and no hidden charges. If we don't get you more money, you owe us nothing.
The best time to hire a public adjuster is as soon as possible after property damage occurs — ideally before you file your claim or speak extensively with the insurance company. However, we can also help if your claim has already been filed, if you've received a low offer, or even if your claim was denied. It's never too late to have an expert on your side.
You can, but studies show that policyholders who use public adjusters receive settlements that are, on average, 747% higher than those who don't. Insurance companies have teams of experts working to minimize your payout. Without a public adjuster, you're essentially going into a negotiation unarmed. We level the playing field.
Not at all. In fact, we often expedite claims because we submit complete, professional documentation from the start — reducing back-and-forth with the insurance company. While thorough claims take time, our average time to settlement is 67 days, and the significantly higher settlement is well worth the wait.
Yes. Illinois requires public adjusters to be licensed by the Illinois Department of Insurance, pass a state examination, and maintain a $50,000 surety bond. All Chicago Public Adjusters are fully licensed, bonded, and in good standing. You can verify any public adjuster's license through the Illinois Department of Insurance.
Ready to Experience the Chicago Difference?
Join the hundreds of Chicago property owners who've trusted us to fight for their maximum settlement. Free consultation. No upfront fees. No obligation.