Licensed Illinois Public Adjusters representing property owners in insurance claims statewide.
We provide education, documentation-focused inspections, and professional claim representation when needed.
Documentation-focused and education-driven
Our inspections are documentation-focused and education-driven. We provide photos, condition notes, and a clear explanation of what may or may not be claim-related.
No repair contracts. No sales tactics. No pressure.
Licensed public adjusters represent policyholders — not insurance companies — and negotiate directly on your behalf.
Your choice. No pressure.
We will work with the policyholder's preferred contractor if they already have one.
If you don't have a contractor, we can refer reputable, professional, licensed contractors.
Contractors are not named on this site to keep referrals fair.
Referrals are selected based on region and complexity of restoration.
Referrals are based on qualifications and project fit.
To keep referrals fair and region-appropriate, contractor names are not listed publicly.
Testimonials are from clients assisted by Central Illinois Public Adjusters, Inc. Results vary based on policy and claim circumstances.
"I can't thank Orlando enough for the incredible service he provided with my and my dad's roof claim last year. From the very beginning, Orlando went above and beyond to ensure everything was handled smoothly and efficiently."
"We had hail damage that effected our roof, siding and gutters. Central Illinois Public Adjusters handled everything directly with our insurance company, which made the entire process so much easier and stress-free for us."
"I was struggling to get my insurance company to approve my claim for hail damage incurred last year. They took over dealing with my insurance and by mid November they had installed a new roof on my house."
"This company worked along side my roofing company. They communicated well with me and the insurance company. Very responsive to my questions via phone or text. I would highly recommend!"
"We are very impressed with everything the adjusters did for us. They are very knowledgeable and did not give up when our insurance company denied the claim after the first inspection."
"Orlando is the definition of a true professional. He is extremely diligent, trustworthy, dependable and goes above and beyond for his customers. After fighting a claim for nearly 1.5 years on our own, Orlando stepped in got the job done!"
Insurance companies employ or hire adjusters to evaluate and settle claims on their behalf. These include:
Unlike licensed public adjusters (who work exclusively for you as fiduciaries under Illinois law), carrier/independent adjusters prioritize protecting the insurer's financial risks. Their goal is often to minimize payouts or deny claims where possible, which can result in underpayments or delays—even for valid claims.
Illinois law requires insurers to handle claims fairly and in good faith (50 Ill. Admin. Code 919 on unfair practices). If you suspect unfair handling, contact the Illinois Department of Insurance to file a complaint.
After severe weather events like hail, wind, or tornadoes in Illinois, homeowners often face aggressive door-to-door solicitation from contractors—many from out-of-area—who may not prioritize quality restoration. These "storm chasers" can use high-pressure tactics, exaggerate damage, or push unnecessary repairs, leading to poor outcomes and higher costs for everyone through inflated insurance claims.
As fiduciaries under Illinois law (215 ILCS 5/1590), licensed public adjusters represent your interests exclusively. They help ensure claim settlements are fair and that any repair funds are used to properly restore your property—not inflated for third-party benefit. PAs can recommend reputable contractors but must disclose any relationships and confirm the contractor meets standards (insurance, bonds, licenses, warranties). This helps protect against mismanagement or conflicts.
Many Illinois insurance policies include an appraisal clause, which serves as a dispute resolution mechanism for disagreements about the amount of loss. Understanding this provision can help policyholders navigate claim disputes.
We can serve as your appraiser in the appraisal process.
Appraisal is commonly used for amount-of-loss disputes (scope/pricing) rather than coverage. If you're facing a valuation dispute, we can help you navigate the appraisal process effectively.
Request Appraisal ReviewPolicyholders who have concerns about their insurance company's handling of a claim may file a complaint with the Illinois Department of Insurance. The DOI provides oversight of insurance practices and can assist with certain types of disputes:
Website: www.idoi.illinois.gov
Phone: (866) 445-5364
What to Include: Policy number, claim number, description of the issue, and copies of relevant documents
Important: Time limits may apply to certain insurance claim actions and complaint filings. Policyholders should be aware of applicable deadlines and take appropriate action in a timely manner.
After major storms, Illinois homeowners are often approached by out-of-area contractors offering "free inspections" or urgent repair services. The following official consumer alerts and local reporting provide guidance on how to verify credentials, avoid high-pressure tactics, and understand your rights.
Official statewide warning about storm-related repair scams, door-to-door solicitation, verification tips, and Illinois 3-day cancellation rights.
Local news coverage reinforcing official state guidance regarding contractor pressure tactics after storms.
BBB and local media warning about cold-calling contractors and rushed insurance repair agreements.
Local reporting on the surge of contractor activity following hailstorms and how homeowners can protect themselves.
Municipal guidance advising residents how to identify and avoid roofing solicitation scams.
CIPA encourages homeowners to verify credentials, avoid signing contracts under pressure, and understand their rights before agreeing to repairs.
In recent years, public hearings and investigative reporting have examined insurance claim handling practices following natural disasters. The following resources provide insight into ongoing discussions at the state and federal levels.
Senate subcommittee hearing examining claim handling practices following natural disasters.
Coverage of congressional questioning of insurance executives regarding claim handling practices.
Reporting on testimony from independent adjusters regarding post-disaster estimate reviews.
Investigative journalism segment examining post-disaster claim adjustments in Florida.
Full public record hearing regarding insurance industry practices after natural disasters.
These resources are provided for educational purposes so Illinois homeowners can stay informed about broader industry discussions. Insurance claim outcomes depend on individual policies, facts, and circumstances.
As licensed public adjusters, we serve as fiduciaries for Illinois property owners throughout the insurance claims process. We represent your interests exclusively — not the insurance company's — and work to ensure fair treatment and proper claim settlements.
Our focus is on education, documentation, and professional advocacy when needed. We help policyholders understand their rights, properly document losses, and navigate complex claim procedures with confidence.
Central Illinois Public Adjusters, Inc.
Illinois Public Adjusting Firm License #: 3003494371
Licensed Illinois Public Adjuster #: 16887469