Public adjuster services for Chicago property claims

I work for you, not your insurer. On a home or building claim I inspect the damage, write the estimate, file the claim and negotiate the payment myself.

Call +1 224-481-2095 Ask about your claim

The first inspection and the policy review cost you nothing.

IL Public Adjuster #19461872
IN Public Adjuster #3556317
HAAG Certified Inspector
Licensed IL Roofing Contractor
10+ years in property restoration

Volodymyr Lukaniuk smiling, in a dark blazer over an open-collar white shirt, against a dark blue backdrop with a red corner — **Volodymyr Lukaniuk**Licensed in Illinois and Indiana

Where is your claim right now?

What I do first depends on what the insurer has already done.

Your claim today	What the insurer has done	What I do
Damage, not reported yet	Nothing yet.	I inspect first, so the claim goes in with my photos and estimate.
A first payment looks short	Paid from its own estimate.	I compare it line by line and file a supplement.
A denial letter	Named a reason in writing.	I test the reason against your policy and the evidence.
Coverage accepted, price disputed	Will not move on the amount.	I check whether your appraisal clause can settle it.

A person in a dark suit holding a pen beside a home insurance policy form on a clipboard, with a laptop on a wooden table

Pick the kind of damage you have

01Fire damageThe building, smoke, your belongings and the cost of living elsewhere. 02Water damageWhere the water came from and how suddenly it arrived. 03Hail damageHits on shingles and soft metals, counted and photographed. 04Wind and stormLifted or creased shingles and the rain that got in behind them. 05Roof damageRoof age, wear arguments, and decking or code items left off. 06Denied claimThe reason in the letter and the proof that answers it. 07Underpaid claimMissing scope and depreciation still owed to you. 08Appraisal clauseFor a covered loss where only the amount is in dispute.

How I run a claim, start to finish

Four stages, and you deal with the same person in each one.

InspectionFree. I look at the damage and read your policy with you.
EstimateA measured scope, priced line by line, with photos for each item.
FilingThe claim, my estimate and the proof of loss go to your insurer.
NegotiationI meet the insurer's adjuster on site and argue each disputed line.

Homes and commercial buildings

The inspection is the same. What the claim has to cover is not.

Your home

For homeowners in Illinois and Indiana.

Storm, hail, wind, water and fire losses
Roofing priced as a licensed roofer would price it
Recoverable depreciation followed to the final payment

Two people at a wooden table, one pointing a pen at an insurance policy form on a clipboard while the other rests a hand beside a laptop

Your commercial property

For building and business owners with a large or multi-trade loss.

Roofing, building envelope and interior losses across several trades
Ordinance and law (code upgrade) coverage pursued where the policy has it
Written updates for owners, boards and property managers

Tell me where your claim stands

I'll say which service it needs, if any.

+1 224-481-2095 volodymyr@staterestoration.us

3052 N Long Ave #2, Chicago, IL 60641
Mon–Fri 9–6, Sat 9–5, Sun 10–5

Useful to have at hand

Your policyAt least the declarations page.
The claim numberIf you have already reported the loss.
Anything from the insurerAn estimate, a payment letter or a denial.
Your own photosTaken on the day, if you have them.

What an Illinois licence means for you

Three rules from the Illinois Insurance Code to check before you sign with any adjuster.

Hands resting on a home insurance form clipped to a board on a grey wooden table, with a green plant at the top

No licence, no contractNo one may act or advertise as a public adjuster in Illinois without the licence. A contract that breaks this rule is void.215 ILCS 5/1515
A $50,000 bond behind every licenceEach licensed adjuster keeps a bond or letter of credit of at least $50,000, which the Director of Insurance can claim for people harmed by the adjuster's errors.215 ILCS 5/1560
Your own property policyA public adjuster acts for you on claims under the policy that covers your own property.215 ILCS 5/1510

Questions before you hire me

If yours is not here, call and ask it.

+1 224-481-2095

Is a certified public adjuster different from a licensed one?

Illinois requires a public adjuster licence; mine is #19461872. HAAG certification is a separate inspection credential, which I also hold.

What does the first visit cost?

Nothing. The inspection and policy review are free, and there is no upfront cost. If we work together, my fee is agreed in writing before any work starts.

Can you help after I already filed the claim?

Yes. I start from the estimate, payment or letter the insurer has already sent you.

Do you take commercial buildings?

Yes, across Illinois, including code upgrade coverage where the policy carries it.

I am a public adjuster, not an attorney. Your own policy decides what a claim pays.