Volodya AdjusterLicensed Public Adjuster · IL & IN
+1 224-481-2095

Free consultation — +1 224-481-2095
volodymyr@staterestoration.us

Commercial property insurance claims in Illinois

When a building you own or manage is damaged, I scope the loss trade by trade, read your policy's coinsurance and code terms, and negotiate with the insurer.

Call +1 224-481-2095 Send me the policy

Free inspection and policy review. No upfront cost.

  • IL Public Adjuster #19461872
  • IN Public Adjuster #3556317
  • HAAG Certified Inspector
  • Licensed IL Roofing Contractor
  • Licensed General Contractor
Smiling man with short dark hair and a trimmed beard, in a dark blazer and open white shirt, against a dark blue background
Volodymyr LukaniukPublic adjuster for building owners and managers

Four ways a building claim differs from a house claim

On a homeOn a commercial building
Who decides

The owner.

Owners, a board or a property manager, sometimes a tenant under the lease.

What sets the limit

A dwelling limit.

A value per building, often with a coinsurance clause.

Building code

A small ordinance or law amount.

Ordinance or law coverage, often split into undamaged part, demolition and the extra cost of code.

Lost money

Additional living expense.

Business income for the period of restoration, if the policy carries it.

How I run a commercial claim from first call to final payment

  1. Protect and recordEmergency work photographed and invoiced.
  2. Scope by tradeRoofing, envelope, interior and mechanical, measured separately.
  3. Code itemsWhat the municipality requires, matched to the ordinance or law coverage.
  4. Report and trackUpdates for the owners; each payment logged against the scope.

Is your building claim one I take on?

I adjust damage to buildings in Illinois and Indiana.

I handle

  • Roof, envelope and interior losses on offices, retail, warehouses and multi-unit buildings
  • Damage across several trades
  • Code-upgrade costs the estimate left out
  • An insurer estimate the owners reject

Use another route

  • A claim filed against your businessYour liability insurer
  • A lawsuit over coverageAn attorney. I am not one.
  • A building in another stateAn adjuster licensed there
Hands holding a black pen over a home insurance policy form on a clipboard, with a laptop at the lower right
Commercial forms vary, so I read yours first.

How a coinsurance clause can shrink a commercial payment

Many policies require insurance for a set share of the building's value. Fall short, and the loss is paid in proportion.

Limit carried ÷ limit required × loss = payment, before the deductible

So I check the coinsurance percentage and the value your policy uses before any scope is priced.

Worked example with round numbers, not a client file
Building value at the time of loss
$2,000,000
80% coinsurance clause requires
$1,600,000
Limit actually carried
$1,200,000
Covered loss
$400,000
1.2 ÷ 1.6 = 75% of the loss, before the deductible$300,000
A pen pointing at an insurance policy form on a clipboard while a second person rests both hands on the table beside a laptop

What owners and boards get from me on a building claim

  • A scope split by tradeMeasured, photographed, priced in the insurer's estimating terms.
  • Cause and cost from one inspectionI am a HAAG certified inspector and a licensed roofing and general contractor.
  • Code items with their sourceEach upgrade tied to the requirement behind it.
  • Downtime kept in viewVisits planned around your tenants and operations.

Send me the policy and the insurer's estimate

I'll tell you which parts of the building the estimate leaves out.

+1 224-481-2095 volodymyr@staterestoration.us
  • Free consultation and inspection
  • No upfront cost

What to send for a building claim

  1. The full policyDeclarations, building values and every endorsement.
  2. The insurer's estimateThe line-item version, all pages.
  3. The lease, if you rent out spaceIt shows who insures and repairs what.
  4. Emergency invoices and photosBoard-up, drying, temporary roof covers.

Ask about your building claim

Tell me the property type, the date of loss and what was damaged.

I read every message myself and use it only to reply about your building.

Illinois rules on a commercial adjuster contract

Check them in any contract you are offered.

  • The 10% fee cap is narrower on a commercial buildingOutside a personal residence it applies only to claims from a catastrophic event declared by the Governor.215 ILCS 5/1570(d)
  • Any stake in a contractor is disclosed in writingIncluding construction, salvage or board-up firms working on your loss.215 ILCS 5/1575(d)
  • The fee comes from each check, not the first oneThe whole fee may not come out of the insurer's first payment.215 ILCS 5/1575(e)

Commercial claim questions owners ask me

Your policy and lease decide the details.

+1 224-481-2095

I lease the space. Is the damage my claim or the landlord's?

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The lease usually decides. The building is often on the landlord's policy; your improvements and stock are on yours.

Does the 10% fee cap apply to my building?

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Only on claims from a catastrophic event declared by the Governor. Otherwise the fee is the figure in the signed contract.

Can you report to our property manager or board?

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Yes. They get written updates on what is agreed, disputed and paid.

Is lost business income part of the claim?

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If your policy carries business income coverage, yes. It runs for the period of restoration, so the repair schedule matters.

I represent policyholders and am not an attorney. Your policy governs; nothing here promises a result.