Welcome to Adjusters International Chicago, Illinois Public Adjusters
With more than 40 offices across the United States and Canada, Adjusters International is one of the nation's largest and most respected providers of public insurance adjusting and disaster recovery consulting services. With our newly expanded presence in downtown Chicago, Adjusters International is capable of quickly fielding a team of public adjusters and disaster recovery experts in response to any major disaster throughout the Midwest.
Our public adjusting division focuses on guiding our clients to a full and equitable insurance settlement in the aftermath of a fire, tornado, flood, or other disaster. Public adjusters work on behalf of insured clients—not insurance companies—to prepare and settle their property damage claims. Retaining the services of a public adjuster immediately after an occurrence increases the policyholder's opportunity to take full advantage of any alternatives available within their insurance policy.
Adjusters International provides disaster consulting services with a specialization in guiding FEMA grantees and applicants through the FEMA Public Assistance program in the wake of a major disaster. Our consultants have years of disaster recovery experience and have a thorough knowledge of both insurance and the FEMA Public Assistance program, and how each work together and complement each other.
About Adjusters International
Adjusters International specializes in commercial claims and has a sophisticated staff of adjusters prepared to handle any claim from the seemingly standard to the most complex claims. The company's in-depth knowledge of insurance adjusting and the FEMA Public Assistance Program is a direct result of their management of claims resulting from the nation's most serious disasters, such as the Oklahoma City bombing, World Trade Center bombing, 9-11-2001 event, and every major hurricane, earthquake and flood of the past quarter century. Adjusters International has offices throughout the United States and Canada and has had a strong presence in the greater Chicago area for over 20 years.
Meet the Globe Midwest Adjusters International Team
Latest Edition of Adjusting Today — Available Now!
The 45th edition of Adjusting Today is now off the press! This issue contains in-depth articles on two separate clauses and endorsements that have been the source of ...
The 45th edition of Adjusting Today is now off the press! This issue contains in-depth articles on two separate clauses and endorsements that have been the source of frequent litigation. “Vacancy/Occupancy Clauses in Property Insurance — An Often Overlooked but Significant Limitation” headlines this latest edition. Here insurance claims professional Robert J. Prahl, CPCU, discusses the important aspects of this property insurance clause, including how insurers and courts have viewed the terms vacant and unoccupied. In the second article, “Protective Safeguards Endorsements — Issues and Implications,” Prahl examines the implications of this endorsement, what happens when a loss occurs, and how the courts have viewed these endorsements.
In 1989, Adjusting Today was introduced as a public service from Adjusters International. As we mark our 25th anniversary, readers continue to acknowledge the valuable role Adjusting Today plays in helping them understand and stay current with critical issues affecting property damage and business interruption claims. This popular publication is offered in hard copy or PDF format and insurance professionals, business owners and anyone interested in staying current in the ever-changing insurance industry can subscribe now.
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Homeowners: What to do after a house fire
A house fire can cause property damage, financial hardship, physical injury and emotional harm. Once the fire is extinguished and the smoke has cleared, many homeowners are left ...
A house fire can cause property damage, financial hardship, physical injury and emotional harm. Once the fire is extinguished and the smoke has cleared, many homeowners are left wondering who to contact, and what steps to take to contain the chaos.
- Contact your insurance company immediately — As the insured, you are responsible for filing your claim.
- Secure the property to protect from further damage — Adjusters International/Basloe, Levin & Cuccaro’s Regional Vice President Steven Vanuga states, “The least effective action after a loss is to be overambitious in cleaning up the site. Disposing of the contents before they are accurately documented and proven damaged or destroyed can cost you the claim. You’re required to secure the area to prevent further damage, but do not throw anything away as this is your evidence to support the claim.”
- The owner of the property or a contracted cleaning/restoration company must secure the site to mitigate further damage
- Get organized — Adjusters International’s Director of Consulting Operations, Greg Raab advises homeowners to “Accurately document the contents lost. Typically, the money collected for the lost contents outweighs the amount received for the structural loss or repairs. It is important to be as detailed as possible when creating a home inventory list as the little items add up quickly. Track down photos, receipts, and note the age and description of the items. If you had not previously created a home inventory, this can be very difficult to do from memory. I have personally witnessed cases where public adjusters have found 400+ more items in a kitchen fire that could have been listed that the homeowner otherwise would have missed.”
- Create a home inventory list of all items lost or damaged in the fire
- Fill out a ‘proof of loss claim’
- Keep track of, and notate, all communications between you and the insurance company as well as any receipts related to the loss.
- Replace valuable documents — including but not limited to:
- Adoption decrees, birth/death/marriage certificates, driver’s license(s), immigration documents, income tax return records, insurance policies, marriage dissolution (divorce) records, military records, medical records, mortgage papers, passports, property deeds, savings bonds/notes, Social Security cards, wills, etc. (For more information, see FEMA.gov: Replacing your Important Documents)
- Receive repair estimates
- Hire a public adjuster
- A public adjuster can help you fully recover from the loss and negotiate with the insurance company on your behalf. Public adjusters bring expertise and knowledge to what can be a lengthy and confusing process for many.
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