Public Adjuster Representation

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

Most homeowners in Schaumburg file an insurance claim once, maybe twice in their lives. Insurance companies handle hundreds of thousands of them every year. That experience gap is real, and it costs people money. When you file a storm damage claim without knowing what your policy actually covers, what documentation your insurer requires, or how adjusters are trained to evaluate damage, you are already at a disadvantage. R&J exists to close that gap — and to make sure the settlement you receive actually matches what your property needs.

We handle every part of the claims process on your behalf. From the initial damage inspection to compiling photo documentation, preparing your claim submission, and communicating directly with your insurer's adjuster, we manage it all. We serve homeowners throughout Schaumburg, Hoffman Estates, Palatine, Elk Grove Village, and the surrounding area — and we know how insurers respond to claims in this specific market. Whether your claim is brand new or already in progress, we step in at whatever stage you need us and push the process forward.

When this is over, you should have a settlement that reflects what the storm actually did to your property — not what the insurance company hoped you would accept. That is what we fight for on every single claim we take on. If you have damage and you are not sure where to start, call us. A free property assessment is the first step, and it costs you nothing to find out where you stand.

What We Offer:

Full Claims Documentation – We photograph and catalog all storm damage in the detail insurers require — roofing, siding, gutters, and exterior — so nothing gets missed or dismissed.
Policy Review – We read through your homeowner's policy and identify exactly what is covered, what exclusions apply, and where the insurer is likely to push back before the claim is even filed.
Claim Preparation & Submission – We prepare and submit your claim with professional-grade documentation that reduces delays and gives your insurer less room to undervalue the damage.
Adjuster Communication – We communicate directly with your insurer's adjuster on your behalf. You are not left interpreting correspondence or responding to requests alone.
Settlement Negotiation – If the initial offer does not reflect the full cost of repairs, we dispute it. We provide supporting evidence, request re-inspections when necessary, and negotiate until the settlement is fair.
Denied Claim Review – If your claim was already denied, we review the denial, identify the grounds, and determine whether a dispute or supplemental claim is worth pursuing.
Coordination with Repairs – When the claim is approved, we hand it directly to our construction team to begin repairs. The scope we negotiated is the scope that gets built — no translation required.

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

We Are Licensed Public Adjusters – R&J is a licensed public adjusting group in Illinois, which means we are legally authorized to represent you in your insurance claim. This is not a contractor who fills out paperwork on the side. This is our core service and we are credentialed to do it.
We Know the Local Insurance Market – We work in Schaumburg and the surrounding suburbs regularly. We understand how regional insurers handle storm damage claims in this area — what they look for, where they push back, and how to counter it effectively.
One Team Handles Everything – Because R&J is both a public adjusting group and a licensed general contractor, the team that manages your claim is the same team that does the repair. There is no disconnect between what was negotiated and what gets built.
No-Cost Property Assessment – We start with a free inspection of your property at no charge. You find out exactly what the damage is, whether it is worth claiming, and what your realistic settlement range looks like — before you commit to anything.
We Work on Your Timeline – Whether your damage just happened or your claim has been sitting unresolved for months, we step in where you are. We work with new claims, stalled claims, underpaid settlements, and denials — whatever stage you are at, we can help.