When you need results, our firm is your solution.
We are your best choice for representing your commercial property claim.
When you need results, our firm is your solution.
We are your best choice for representing your commercial property claim.
Lake Shore Public Adjusters Group, LLC
What is a Public Adjuster?
A public insurance adjuster is a licensed claims professional dedicated to representing and advocating for policyholders in the evaluation and negotiation of insurance claims. In the state of Illinois, aside from attorneys and the broker of record, public adjusters are the only professionals legally permitted to represent the rights of an insured party during the insurance claim process. Typically, public adjusters charge a percentage of the amount the insurance company pays out.
The primary responsibilities of a public adjuster include:
• Reviewing insurance policies to determine coverage.
• Assessing damage and preparing detailed estimates.
• Completing all necessary claim documentation.
• Negotiating with the insurance company's claims adjuster on behalf of the policyholder.
Public adjusters are exclusively dedicated to representing the interests of policyholders, providing expert advice, management, and submission of claims to the insurance company. In contrast, insurance companies are represented by their own staff adjusters or independent adjusters hired to protect the company's interests.
Only a public adjuster represents the interests of the policyholder.
The Claims Process
The claims process begins with an initial property inspection and policy evaluation. Following this, we arrange a meeting with the insurance company representative at the loss location to review the detailed scope of repairs covered under the policy. Often, the insurer's initial resolution will be a low and quick settlement or no payment at all.
To counter this, we provide the insured with comprehensive policy research, engineers' case studies, and material manufacturers' recommended methods of repair and installation, significantly increasing the likelihood of a favorable outcome. If this approach does not yield the desired results, we utilize the valuable options available in your policy, such as arbitration or the appraisal process. We have employed these methods frequently and with excellent results.
In some cases, claims that offer the highest benefits to the policyholder may ultimately be resolved in court. Regardless of the numerous steps, meetings, and re-inspections involved, we are committed to pursuing a successful settlement for the policyholder.
Core Elements of the Claims Process
Evaluation of the Claim or Potential Claim:
Thoroughly assessing the validity and extent of the claim.
Reporting the Claim:
Accurately and promptly notifying the insurance company of the
claim.
Coverage Assessment:
Analyzing the insurance policy to determine the scope and limits
of coverage.
Claim Advocacy:
Representing and advocating for the policyholder throughout the entire claims process.
Commercial Roofing Specialist
When you work with Lake Shore Public Adjusters Group, LLC on your claim, you gain access to the finest engineers and tradesmen, providing comprehensive construction, design, and management solutions for both commercial and industrial properties. We are renowned for our professionalism, integrity, and reliability—a reputation built on the dedication and expertise of our employees.
Our commitment to continuous education ensures exceptional results. Key elements of our professional development program include:
• Tailoring learning to meet the specific needs of each employee.
• Consistent monitoring and assessment of progress.
• Regular evaluation and adjustment of training programs as needed.
• Individualized training for project managers to enhance their skills.
• Sustained support through implementation, including coaching and follow-ups.
Lake Shore Public Adjusters Group's team comprises first-class professionals dedicated to excellence in every project.