Work With Trusted & Experienced

Public Adjusters In Des Plaines, Illinois That Work For YOU!

100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!

*Not All Services Available In All Areas. 

Don't Settle For Less!

Get The HIGHEST & Most FAIR Settlement Amount, That You Are Legally Entitled To, From Your Insurance Claim!

Get a free on-site inspection & insurance policy evaluation from one of our expert public claims adjusters!

Work with highly trained & verified Des Plaines public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!

Public Claims Adjusters Network (PCAN) member public claims adjusters in Des Plaines, Illinois offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.

Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.

They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).

Consultations are always:

  • Friendly
  • Free
  • No-Obligation
  • 100% contingency-based In Nearly Every State

… meaning your public adjuster doesn’t get paid, unless you get paid!*

Public Claims Adjusters Network public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified Illinois public adjusters today!

*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.

Request Your No-Obligation Consultation With a PCAN-Verified Member Public Adjuster Today!

*Some Services May Not Be Available In All Areas. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, state-licensed, bonded, and PCAN Verified Public Adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the Des Plaines community, to ensure the highest quality of service & care.

Up To 0 %

Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!

0 %

Contingency Based. We don’t get paid, unless you get paid!

*Contingency fees not permitted by law in Louisiana.

Public Adjuster Graph
Public Adjuster Graph

Why Hire A Public Claims Adjuster In Des Plaines Illinois?

Des Plaines Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!

Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert public insurance claims adjusters Members Today!

*Some Services Not Available In All Areas. 

What Our Network Of Licensed Des Plaines Public Insurance Adjusters Bring To The Table

Insurance Policy & Claims Specialists For Des Plaines Residents

PCAN member public insurance claims adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in Des Plaines, Illinois. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.

Advocates For Homeowners, Businesses, & HOA's In Des Plaines, Illinois

PCAN member public insurance claims adjusters advocate for your rights as the policy holder. They ensure that the clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Public adjusters are there with you every step of the way!

Experts In Seen & Unseen Damages For Des Plaines Homeowners Insurance Claims

PCAN member public insurance claims adjusters in Des Plaines, Illinois have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.

Expert Des Plaines Damage Claim Negotiators

Settlement negotiation is critically important when it comes to the claims process. Public adjusters in Des Plaines, Illinois know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public claims adjusters have the expertise and experience in claims negotiations to ensure that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Frequently Asked Questions (FAQ) About Des Plaines Illinois Public Adjusting

Des Plaines Public adjusters are licensed insurance professionals who independently defend policy holders during the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA), these experts act as advocates for property owners and ensure their rights are protected when working with insurance companies..

The function of public adjusters has become more significant in recent years, particularly as insurance claims grow more complicated. A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) revealed that policyholders who utilized public adjusters received settlements that were up to 800% higher than those who dealt with claims independently.

Public adjusters provide comprehensive services throughout the claim process. They conduct thorough damage assessments, and prepare and file necessary documentation, and handle all communication with insurance companies. This type of support from licensed professionals, significantly reduces the amount of time and anxiety involved with filing claims which allows policyholders owners to focus on rehabilitating.

Working primarily on a basis of contingency fees, typically ranging from 10% to 20% of the final settlement, public adjusters are rewarded for securing the highest possible amount of compensation for their clients. The fee structure is depending on the complexity of the claim state regulations, as well as required resources.

They have extensive expertise of insurance policies,  and building codes, and construction costs. They use this knowledge to:

  • Expedite the claims process
  • Document and evaluate the damages thoroughly
  • Navigate complex policy language
  • Directly negotiate with insurance carriers
  • Ensure compliance with filing deadlines and other policy requirements

Research has clearly shown that professional representation during the claims process often leads to more comprehensive settlements as well as faster claim resolution times. Public adjusters’ understanding of insurance regulations and industry practices can help avoid common mistakes that could hinder or delay settlements.

Related Story: Are Public Insurance Claims Adjusters Worth It?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Research and industry analysis show that employing a public insurance adjuster can significantly increase policyholder claim settlements. According to a landmark research study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who used public adjusters received settlements as high as 800% higher than those who handled claims independently.

Public adjusters in Des Plaines, Illinois serve as licensed professionals who advocate exclusively for policyholders throughout the claims process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals provide detailed claim management services, which include detailed property damage documentation and interpretation of policies as well as settlement discussions with insurance carriers.

The value of professional representation is particularly evident in final settlement figures, as professionally managed claims typically produce more detailed damage estimates, and more accurate estimates of losses.

Public adjusters streamline the claims process by:

  •  Handling all documentation and correspondence with insurance companies    
  • Conducting detailed property damage assessments  
  • Preparing comprehensive claim submissions
  • Directly negotiating with insurance carriers    
  • Expediting the settlement timeline  
  • Ensuring compliance with policy requirements and deadlines  

Most public adjusters operate on the basis of contingency fees, which typically range from 10% to 20 percent of the final settlement amount. The fee structure is aligned with the interests of the adjuster with the interests of the policyholder, since their compensation is contingent upon securing a favorable settlement agreement.

A Public adjuster’s expertise often proves invaluable in complex claims, where technical knowledge of building codes, construction costs, and insurance policy provisions can have a significant impact on settlement outcomes.

Their professional oversight helps ensure no damaged claims are overlooked and that claims are properly assessed according to current market conditions.

Related Story: When Should You Hire A Public Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements. 

Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.

landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.

Related Story:How Does A Public Adjuster Work?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Complex insurance claims often require professional expertise to effectively navigate. Public insurance adjusters, state-licensed professionals who solely work for policyholders, can have a significant impact on the outcome of claims and settlement outcomes.

There are a variety of scenarios that warrant hiring a public adjuster:

  • Property damage that is extensive
  • Claims involving multiple coverage types
  • Disputed claims or partial claim denials      
  • Complex requirements for documentation
  • Situations that are time-sensitive and require immediate attention

Public adjusters streamline the claims process by:

  • Conducting thorough damage assessments
  • The preparation and filing of necessary documentation 
  • Managing communication with insurance companies 
  • Negotiating settlements on behalf of policyholders 
  • Ensuring compliance with the policy terms and deadlines

Public adjusters particularly benefit policyholders by:

  • Reducing stress by utilizing expert claim management
  • Speeding up the settlement process 
  • Providing independent damage assessment
  • Ensuring comprehensive documentation
  • Leveraging industry knowledge for fair settlements

Related Story:Are Public Insurance Claims Adjusters Legit?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a Illinois public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.

Key timing considerations include:

Statute of Limitations:

  • Each state maintains different deadlines for filing insurance claims
  • Claims must be initiated within these legal timeframes
  • Public adjusters can assist with existing claims, even if initially filed independently

Documentation Requirements:

  • Public adjusters help organize and prepare comprehensive claim documentation
  • They can recover or reconstruct missing documentation
  • Professional documentation improves claim validity and settlement potential

Claim Status:

  • Active claims benefit from professional representation
  • Denied claims may be reopened with proper documentation
  • Disputed settlements can be renegotiated

Public adjusters provide valuable services throughout the claims process Including:

  • Expedited claim processing through professional management
  • Expert negotiation with insurance carriers
  • Complete documentation preparation and submission
  • Regular communication with insurance companies
  • Stress reduction through professional claim handling
  • Maximum settlement potential through experienced representation

Related Story:Common Public Insurance Claims Adjuster Pitfalls & How To Avoid Them

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

The decision to hire a state-licensed public insurance claims adjuster, even when an insurance company has assigned its own adjuster greatly affect the outcome of an insurance claim.

While insurance company adjusters work for their employer’s interests … public insurance claims adjusters In Des Plaines, Illinois serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) emphasizes that these state-licensed & regulated professionals operate independently to ensure fair claim settlements and comprehensive coverage interpretation.

Public adjusters streamline the claims process by managing the documentation and conducting complete evaluations of damage and coordinating all communications with insurance companies. This type of professional intervention usually speeds up claim resolution and reduces homeowners’ administrative burdens.

The value of public adjusters isn’t only limited to monetary benefits. These professionals offer expert advice throughout the claims process, providing the complexities of policy and ensuring that all damage is properly documented and assessed.

They prepare precise damage estimates, gather necessary evidence, and deal directly with insurance companies in order to get the best settlement results.

Insurance claims are complex and time-consuming, making professional representation crucial during large losses. Public adjusters’ expertise in negotiation and interpretation of policies often results in more comprehensive settlements that account for both obvious and hidden damages.

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Related Story:How Do Public Adjusters Get Paid & Who Pays Them?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Although policyholders are entitled to file insurance claims independently, data from experts in the industry suggest this approach may not yield ideal results.

The most significant challenges of self-filing include:

  • ​​​​Complex documentation requirements and policy interpretation
  • Time-intensive communication with insurance representatives
  • Risk of overlooking covered damages or benefits
  • Potential undervaluation of claims by insurance companies
  • Limited-to-zero negotiation experience with insurers

​​​​Licensed public adjusters have substantial advantages during the claim process: 

  •  
    1. Professional Documentation and Assessment – Public adjusters thoroughly document damages, and prepare complete claim files, and manage all necessary paperwork, ensuring that nothing is missed.
    2. Time and Stress Management – These professionals handle all communications with insurance companies, allowing homeowners to focus on recovery while expediting the claims process.
    3. Expert Negotiation – With extensive knowledge of insurance policies and regulations, public adjusters engage directly with insurance companies to secure fair settlements.
    4. Cost-Effective Service – Public adjusters typically work on a contingency fee basis, which typically ranges between 10-20% of the final settlement amount, to ensure alignment with the policyholder’s interests.

The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent policyholders’ interests during the claims process. Their expertise can be particularly useful in complex claims or when significant damages are involved.

Statistics from the industry consistently indicate that professional representation by state-licensed public adjusters leads to better results for the policyholders, with faster processing, and more complete settlement packages.

Related Story:Public Claims Adjuster Fees

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

While contractors often offer negotiations with insurers this method can come with some significant risks and limitations. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack expertise to act as official representatives for insurance claims negotiations.

This limitation can significantly impact the result of a lawsuit and could affect your rights as a policyholder.

Departments of insurance in each state regulate licensed public adjusters, who go through highly specialized training, have to pass Federal background checks, & require special licensing from the state to operate. They also are legally authorized to act on behalf of the policyholder to safeguard and protect their right … legal authority that contractors don’t have … thus they are the legal and comprehensive alternative to the representation of contractors.

Public Adjusters specialize in interpreting insurance policies, assessing damages, and negotiating with insurance companies to ensure fair and equitable claim compensation.

Public adjusters provide several distinct advantages, including:

  • Professional claim documentation and filing
  • Professional negotiation with insurance carriers
  • Comprehensive damage assessment
  • Expedited claim processing
  • Reduce stress by a complete claim management

The National Association of Public Insurance Adjusters (NAPIA) emphasizes the fact that public insurance adjusters need to maintain professional licenses and follow strict ethical standards, thereby providing another layer of consumer protection that is not offered by the representation of contractors.

For claims that are complex, for more complex claims, public adjusters have a wealth of knowledge in interpreting policies, document demands and negotiation techniques often proves invaluable, potentially preventing costly mistakes and claim denials that could arise from contractor-led negotiations.

Related Story:When Is It Too Late To Call A Public Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

When insurance settlements fail to cover property damages, policyholders have a range of legal options to seek further compensation after the initial claim settlement.

According to the National Association of Insurance Commissioners (NAIC), NAIC recommends that policyholders carefully evaluate the terms of their settlement and related documentation before accepting the final settlement.

The timing and the circumstances for pursuing additional compensation are critical factors, as most insurance policies have specific timeframes for dispute resolution and appeals, usually ranging from one to two years following the settlement date.

Licensed public insurance claims adjusters are vital in re-assessing settlement claims and finding overlooked damages. Public adjusters carry out thorough assessments of property damages, as well as document any additional damages, and deal with insurance companies on behalf of policyholders.

The most important steps to pursue additional compensation include:

  1.  Document newly discovered damages
  2. Review the policy terms and settlement agreements
  3. Collect supporting evidence and estimates
  4. Retain professional representation from a state-licensed public claims adjusters

The National Association of Public Insurance Adjusters (NAPIA) stresses that public adjusters are often able to spot overlooked damages and policy provisions that support the need for additional compensation. Their knowledge of policy interpretation and the valuation of claims is especially valuable in defending claims that have already been settled.

Policyholders should act promptly when they discover insufficient settlement amounts, since delay can compromise their ability to obtain additional compensation. When utilizing a PCAN member Public Adjuster, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts. 

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.

The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public claims adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.

The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.

Related:Public Adjusting Resources

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

The Homeowners Insurance Claims Recovery Process In Des Plaines, Illinois

Illinois state-licensed public adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!

Step #1

Make Sure Your Family Is Safe

When disaster strikes, the priority is to make sure your family is safe. Always have an emergency bag!

Step #1

Step #2

Contact A PCAN Public Adjuster In Des Plaines, Illinois

Contact one of the PCAN verified and state-licensed public insurance claims adjusters to schedule an appointment for them to come out & meet with you to inspect the damage.

Step #2

Step #3

Thorough Review Of Your Policy

Your public adjuster will conduct a comprehensive review of your policy, note any coverage restrictions, coinsurance requirements, limitations, and review additional options that may be available to you.

Step #3

Step #4

Create A Claims Strategy That Works For Your Specific Goals & Needs

Your public insurance claims adjuster will discuss what is most important to you when it comes to your claim, then create & tailor the right claims strategy to take care of your family.

Step #4

Step #5

Public Adjuster Takes Care Of All Insurance Related Paperwork, Negotiations, & Follow Up.

Once you have agreed on a strategy, your public insurance claims adjuster will:

  • Meet with insurance company adjusters & personnel at the loss/damage location.
  • Agree to the scope of damages & make sure that they are including all the damages in the scope, as well as clearly deciding on what should be repaired vs. replaced.
  • Prepare a detailed reconstruction estimate.
  • Prepare a detailed inventory of personal property.
Step #5

Step #6

Negotiations & Final Settlement

Your public insurance claims adjuster will work to make sure you receive the highest settlement possible under your specific insurance policy.

Step #6

Step #7

Restoration | Reconstruction | Relocation

Your public claims adjuster will negotiate with the insurance company to ensure that you can achieve your specific goals. Whether that’s full or partial restoration, rebuilding your property, or a full-relocation.

Step #7

(Click To Expand Infographic)

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Discover How Des Plaines Public Claims Adjusters Can Help You Maximize Settlements From These Kinds Of Homeowners Insurance Claims

Public Adjusters Des Plaines, Illinois

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

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A homeowners insurance terms glossary provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.

Key concepts include such terms as Actual Cash Value, a method for determining compensation based on replacement costs minus depreciation, and ALE (Additional Living Expenses), which cover necessary living costs when a home is uninhabitable.

For example, understanding your home insurance declaration page, common homeowners insurance deductibles for various types of property damage, the general policy exclusions standard in many home insurance policies, can bring much-needed awareness & clarity to policyholders of potential common insurance terminology that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

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Des Plaines, Illinois
Downtown
Downtown
Flag Of Des Plaines, Illinois
Official Seal Of Des Plaines, Illinois
Location Of Des Plaines In Cook County, Illinois
Location of Des Plaines in Cook County, Illinois
Des Plaines Is Located In Greater Chicago
Des Plaines
Des Plaines
Des Plaines Is Located In Illinois
Des Plaines
Des Plaines
Des Plaines Is Located In The United States
Des Plaines
Des Plaines
Coordinates: 42°02′02″N 87°53′59″W / 42.03389°N 87.89972°W / 42.03389; -87.89972
CountryUnited States
StateIllinois
CountyCook
TownshipMaine
Settledearly 1800s
Incorporated1869
Named forDes Plaines River
Government
 • TypeCouncil–manager
 • MayorAndrew Goczkowski (D)
Area
 • Total
14.38 sq mi (37.26 km)
 • Land14.24 sq mi (36.88 km)
 • Water0.15 sq mi (0.38 km)
Elevation
642 ft (196 m)
Population
 (2020)
 • Total
60,675
 • Rank20th in Illinois
 • Density4,261.48/sq mi (1,645.36/km)
Time zoneUTC−06:00 (CST)
 • Summer (DST)UTC−05:00 (CDT)
ZIP Codes
60016–60019
Area code(s)847, 224
FIPS code17-19642
Websitewww.desplainesil.gov

Des Plaines is a city in Cook County, Illinois, United States. Per the 2020 census, the population was 60,675. The city is a suburb of Chicago and is located just north of O’Hare International Airport. It is situated on and is named after the Des Plaines River, which runs through the city just east of its downtown area.

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.