Public Adjuster Representation

Your insurance company has a team working for them — now you have one working for you.

When a storm damages your property, your insurance company dispatches their own adjuster to assess the loss. That adjuster works for the insurer — not for you. Their job is to evaluate the claim within the boundaries of what the company is willing to pay. Most homeowners in Schaumburg don't realize this until they receive a settlement offer that doesn't come close to covering the actual repair cost. A licensed public adjuster changes that dynamic entirely. We represent your interests, document the damage independently, and negotiate directly with your insurer to get a settlement that reflects reality.

R&J is a licensed public adjusting group serving Schaumburg and the surrounding suburbs — including Hoffman Estates, Palatine, Elk Grove Village, and Bloomingdale. We take over the entire claims process on your behalf: inspecting the property, preparing documentation, reviewing your policy for applicable coverage, and handling all communications with your insurer. We handle new claims, stalled claims, underpaid settlements, and outright denials. At every stage, our goal is the same — get you what your policy entitles you to, and not a dollar less.

What separates R&J from a standalone public adjuster is that we also do the repair work. Once your claim is settled, our licensed construction team handles the roofing, siding, gutter, and exterior repairs. The scope we fought for in your claim is the exact scope we deliver on your home. If you have storm damage and your insurance company is not giving you a straight answer, call us at +1 844-851-6396. A free property assessment is how we start — no cost, no commitment.

What We Offer:

Independent Damage Inspection – We conduct our own thorough inspection of your roof, siding, gutters, and exterior — separate from whatever the insurance company's adjuster documented — so nothing gets overlooked or minimized.
Policy Coverage Analysis – We review your homeowner's insurance policy line by line to identify what is covered, what exclusions apply, and where your insurer may be undervaluing or misclassifying the damage.
Professional Claim Documentation – We prepare a complete, professionally documented claim package — photos, damage reports, repair estimates — that gives your insurer less room to dispute the scope of loss.
Direct Insurer Negotiation – We communicate and negotiate directly with your insurance company on your behalf. You are not left managing confusing correspondence or accepting offers you do not understand.
Disputed & Denied Claim Handling – If your claim was underpaid or denied, we review the decision, identify the basis for dispute, and file a supplemental claim or formal appeal with supporting evidence.
Claim-to-Repair Handoff – When the settlement is finalized, we coordinate directly with our construction crew to begin repairs. The negotiated scope becomes the build scope — no miscommunication between the adjuster and the contractor.

Why Choose R&J General Contractor Public Adjusting Group for Public Adjuster Representation

Actually Licensed in Illinois – R&J holds a public adjusting license in Illinois. That is not a formality — it is the legal authorization required to represent a homeowner in an insurance claim negotiation. Not every company offering this service is properly credentialed.
We Work for You, Not the Insurer – Every decision we make is in your interest. We are not trying to close your file quickly or minimize your payout. Our job is to make sure your settlement matches the actual cost of restoring your property.
Local Knowledge Matters Here – We serve Schaumburg, Palatine, Elk Grove Village, Hoffman Estates, and the northwest suburbs regularly. We know how insurers operating in this region handle storm damage claims — and we know how to respond when they push back.
Contractor and Adjuster Under One Roof – Most public adjusters hand you off to a contractor once the claim is settled. R&J does both. That means the scope we negotiate is the scope we build — and you never have to wonder if the repair crew understood what was approved.
Free Assessment Before You Commit – We inspect your property at no charge before you decide anything. You will know what the damage is, whether a claim is worth pursuing, and what a realistic settlement looks like — all before signing anything with us.