Naperville 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 Naperville, IL
Public Adjuster and Restoration Services in Naperville, IL
Naperville is the largest suburb in the Chicago area, with about 150,000 residents spread across DuPage and Will counties. The historic district near the Riverwalk and North Central College holds homes from the 1800s and early 1900s. Most of the city, though, was built between 1980 and 2005, in subdivisions that run from Ogden Avenue south past 95th Street and west along Route 59. These homes have open floor plans, two story foyers, finished basements, and attached garages. Michaelson & Messinger has handled fire, water, and storm claims in Naperville as licensed Illinois public adjusters, and our restoration crews have rebuilt homes across the city.
Fire Losses in Newer Naperville Homes
The Naperville Fire Department is one of the best equipped in the state, but modern construction burns fast. Engineered lumber, open floor plans, and synthetic furnishings mean a kitchen or garage fire can involve the whole first floor in minutes. Smoke rises through the open foyer into every bedroom. Attached garage fires damage the shared wall and often the roof structure above. Insurance carriers frequently estimate these losses as clean and paint jobs when they need selective demolition and rebuild. We open walls, document charring and smoke penetration, and test contents so the estimate reflects reality.
Water Damage and Sump Pump Failures
Finished basements are standard in Naperville, and so are sump pump failures. A power outage during a summer storm can put six inches of water across a finished lower level in an hour. Frozen supply lines in bonus rooms over garages, failed water heaters, and dishwasher leaks that run for weeks under laminate flooring are also common. We identify the water source, match it to the right coverage in your policy, and document the damage before it is cleaned up.
Storm and Hail
Naperville gets hit by hail and straight line winds most years. Roof claims, siding claims, and fence and deck damage are routine. When shingles or siding can no longer be matched, many policies pay for full replacement under matching coverage. We know how to present that claim.
How We Work
Call us and we will meet you at the house. We secure the property if needed, photograph everything, and inventory the structure and contents. We prepare a complete estimate using the same software the carriers use. We meet the insurance adjuster at the property and negotiate. You are kept informed at every step, and you are never the one making the calls.
Restoration Under One Roof
Once the claim is settled, our own crews do the work: demolition, drying, framing, roofing, electrical, plumbing, drywall, flooring, kitchens, baths, and paint. Permits go through the City of Naperville Transportation, Engineering and Development department, and we handle that. Our work carries a written warranty. Many clients use the rebuild to update a kitchen or finish a basement to a higher standard.
Serving Naperville and Nearby
We cover all of Naperville in both counties, plus Lisle, Warrenville, Woodridge, Bolingbrook, Plainfield, and Aurora. Our office is in Hinsdale, about twenty minutes east on I-88.
Call Us Early
Reach us at 630.654.2600 day or night. The first visit is free, and we will tell you honestly whether we can add value to your claim. Michaelson & Messinger holds an A+ rating with the Better Business Bureau and a 4.9 star Google rating.
What Naperville Clients Ask Before Signing
Can I still hire you after I filed the claim myself? Yes. Many clients call us after a first offer arrives. Will the insurance company treat me differently? The carrier deals with us instead of you, which is the point. Your policy and your premium are unaffected. Do you handle condominium and townhome claims? Yes. Naperville has many townhome associations, and those losses involve an association master policy and a unit owner policy. We sort out which pays for what, from the studs in to the drywall out.
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.
Read All Reviews
