Adjusting Frequently Asked Questions (FAQ):
How can I maximize my claim within the limits of my policy?
We maximize your claim within the limits of your policy. We are the “check and balance system” to assist in making sure your claim is paid properly.
Beyond handling my claim on my behalf and reconstructing my home or business, what other services does Michaelson & Messinger provide?
Michaelson & Messinger Insurance Specialists, LLC prepares an itemized claim detail for the damages to your building and personal property, negotiates on your behalf with the adjuster representing the insurance company to assure you receive a fair and equitable settlement, prepares and submits all necessary paperwork, and obtains the proper building permits, among other services. Please take a look at our About Us page for information on our services.
Beyond handling my claim on my behalf and reconstructing my home or business, what other services does Michaelson & Messinger provide?
Michaelson & Messinger Insurance Specialists, LLC prepares an itemized claim detail for the damages to your building and personal property, negotiates on your behalf with the adjuster representing the insurance company to assure you receive a fair and equitable settlement, prepares & submits all necessary paperwork, and obtains the proper building permits – among other services. Please take a look at our About Us page for information on our services.
Are you bonded and insured for this type of work?
Yes. Michaelson & Messinger Insurance Specialists, LLC is licensed, bonded, and insured. We are regulated by the State of Illinois, Department of Insurance and are a member of the Chicago and Northern Illinois Better Business Bureau.
Do you guarantee your work?
Absolutely. Michaelson & Messinger Insurance Specialists, LLC guarantees all of its work with documents signed by Michaelson & Messinger, Inc. and you. See our Guarantees page for full information.
How long have you been in the business of insurance adjusting?
Our management team has over 60 years experience in the preparation, adjustment and negotiation of insurance claims in the State of Illinois.
While you are working on my claim and reconstructing my home, where do I live?
Michaelson & Messinger Insurance Specialists, LLC helps place you in temporary housing while your home is being repaired. We use a professional relocation company which specializes in disaster relocation and is recognized by insurance companies. There is no cost to you for this service.
What is a public adjuster?
A public adjuster is a licensed professional who represents you, the policyholder, in an insurance claim. The insurance company has its own adjuster who works for the company. A public adjuster works only for you. Michaelson & Messinger has represented Illinois property owners since 2006, and every adjuster on our staff is licensed by the State of Illinois.
How much does a public adjuster charge?
We work on a percentage of the settlement, agreed in writing before we start. There is no upfront fee. If there is no recovery, there is no fee. On a small, simple claim we may tell you a public adjuster is not needed, and we will say so at the free first visit.
Will my insurance rates go up if I hire a public adjuster?
No. Your premium is set by the loss itself, not by who represents you. Hiring a public adjuster is your right under Illinois law and the carrier cannot penalize you for it.
