Lemont Insurance Specialists
Serving Chicago, the suburbs, and northern Illinois from Wisconsin to Monee and west to Rockford, plus Lake County, Indiana.
Adjusting, Restoration, Remodeling in Lemont, IL
Public Adjusters in Lemont, IL for Fire, Water, and Storm Claims
Lemont sits where Cook, DuPage, and Will counties meet, on the bluff above the Des Plaines River and the old Illinois and Michigan Canal. The historic downtown along Canal Street and Stephen Street holds limestone buildings and frame homes from the 1800s. Up the hill, subdivisions built from the 1980s through the 2000s spread south toward 127th Street and west toward the golf courses. Michaelson & Messinger has handled insurance claims in Lemont for years, and we know both sides of town.
We are licensed Illinois public adjusters based in Hinsdale, about fifteen minutes north on Lemont Road. We represent homeowners and business owners in claims against their own insurance companies. We also run the restoration crews that rebuild the property once the claim is settled. One team, one contract, one point of contact.
Fire Claims in Lemont
The Lemont Fire Protection District covers a large area, and response times to the newer subdivisions can be longer than in a dense suburb. That means more fire damage before the water goes on, and then a great deal of water damage after. In newer Lemont homes, open floor plans and two story foyers let smoke reach every room. In the older downtown homes, fire moves inside the walls. We document both kinds of damage thoroughly, including smoke residue in HVAC systems and heat damage to roof structures, so the settlement covers the real repair.
Water, Sewer, and Storm Damage
Lemont homes on the bluff get high winds and hail. Homes in the lower areas near the canal and along Lemont Road have seen storm water and sewer backup problems. Finished basements are common in the subdivisions, and a failed sump pump can destroy a family room, a bedroom, and a home office in a single night. Sewer backup coverage is a separate endorsement on most Illinois policies. We check for it before the claim is filed so you know what is covered.
Our Process
Call us and we will meet you at the property, often the same day. We secure the building, photograph everything, and inventory the structure and contents. We prepare a detailed estimate with the same software the carriers use. We meet the insurance adjuster at the house and negotiate the difference between their number and ours. You receive updates. You do not receive homework.
Restoration and Rebuild in Lemont
Our crews handle demolition, drying, structure, roofing, electrical, plumbing, drywall, flooring, kitchens, baths, and paint. Building permits go through the Village of Lemont Building Department, and unincorporated addresses go through the county. We handle that paperwork. Our work carries a written warranty, and we return to fix anything that needs attention after you move back in.
Serving Lemont and the Surrounding Area
We serve all of Lemont and Lemont Township, including the unincorporated areas, plus Homer Glen, Woodridge, Darien, Willow Springs, Lockport, and Romeoville.
Talk to Us Before You Accept an Offer
Many Lemont homeowners call us after their insurance company offers a number that does not come close to the contractor bids. We can help at that stage, but the earlier you call, the stronger the claim. Reach us at 630.654.2600 any time. The first visit is free. Michaelson & Messinger has served the southwest suburbs since 2006 and holds an A+ Better Business Bureau rating.
Questions Lemont Homeowners Ask
Will my rates go up if I hire a public adjuster? No. Your premium is set by the loss, not by who represents you. Do I have to use your restoration crew? No. You can settle the claim with us and hire any contractor you like. Most clients stay with us because one team is simpler, but the choice is yours. How long does a fire rebuild take in Lemont? A partial loss runs two to four months. A total loss with permits and drawings runs eight to twelve. We give you a schedule up front and update it as the work moves.
What Our Clients Are Saying
There was a a fire at my property in December 2022. M&M promptly stepped in to make my restoration smooth and simple. Shannon was my adjuster and Dan was my contractor. My insurance company classified the damage as a total loss, so there was a significant amount of work that needed to be done. Dan and Shannon took care of absolutely everything, and promptly addressed all of my questions and concerns along the way. I hope never to experience such a tragedy again, but if I do, I will absolutely be working with M&M again.
After a nightmare handling a water insurance claim from a busted water line, I was fortunate to learn about Michaelson & Messigner Insurance Specialist from a coworker. Jeff was assigned to me as my adjuster, and he was absolutely great to work with. His knowledge of the insurance claim process is unmatched, and he helped me navigate it, making the process less overwhelming. I highly recommend working with Michaelson & Messigner if you’re dealing with an insurance claim, especially a commercial one. I am very grateful to have worked with Jeff and his company for everything they did for me.
M&M is a good company you can trust and rely on, after our fire damage they worked very hard to put us back in our home which is restored, reconstructed, and reincarnated. Thank you M&M! Bobby Williamson and Kimberly Bailey & Family, Chicago. P.S. They even come back out to your home to repair any damages, leaks, or imperfections, many months after the original project is complete. It has been four years since M&M have put our home back together after all the fire damages, and if something goes wrong you can depend on them to help repair the problem. […]
Dan and Ceasar were great to work with. They went over and above to make sure we were happy, and their work is outstanding. Corners are perfect on the moldings, everything is painted perfectly, and all the structural things are better than specs call for. I highly recommend them.
I was referred to Michaelson & Messinger Insurance Specialist by a friend. I setup an appointment, Dan came out & the rest is history. I am very pleased with their work & would highly recommend Michaelson & Messinger Insurance Specialist.
On behalf of keela& Robert Martin I would like to express warm thoughts and appreciation of this establishment. The horrifying experience my family went through the company truly helped and treated us as if we were family. The after hour calls the every step of the way shows dedication with being true to the business. Claudia was extremely helpful with showing concerns through this experience she made the Martin family feel safe and comfortable throughout the process again I highly recommend this company!
A fire can be one of the most devastating events in your life. M&M did an outstanding job repairing my home. All 3 floors were burned! Dan and Matthew took time to listen to me. They went the extra mile to make sure my home was restored and that I was satisfied. “I’m so glad I chose M&M to repair my home.”
I was very pleased with the professionalism and the skill in which they handled my claim. I would highly recommend them to anyone that needs a public adjuster to represent them.
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