Public Adjuster for Northern Illinois Property Owners
Your Property. Your Claim. Your Advocate.
We represent you, the property owner, not the insurance company.
Roof, siding and window claims on larger homes, commercial buildings and condo associations. Especially the ones that are large, stalled or denied.
Chris calls back within 24 hours, and often the same day.
- 1Second layer of shinglesTear-off of both layers
- 2Ice and water barrierCode item at the eaves
- 3Drip edge and starterCode item, often left out
- 4Chimney and wall flashingOften reused on paper
- 5Siding on every elevationMatching is where disputes live
- 6Window wraps and screensSmall items, many windows
- 7Gutters and downspoutsDetach, reset or replace
- 8Garage and other structuresSeparate coverage, often missed
The estimate is only as good as the scope behind it.
Most underpaid exterior claims do not come down to one big number. They come down to what never made it onto the estimate.
Damage that never made the estimate
A second roof layer, damaged decking, a back elevation nobody walked. If it is not documented, it is much harder to get paid.
Materials priced as standard
Premium shingles, specialty siding, larger windows and complex rooflines priced as if they were the base product.
Code and matching left out
Required code items and matching of undamaged areas are often where the real dispute is.
A denial, a low offer or a stall
A second, documented look at the policy and the damage tells you whether it is worth pursuing.
Large exterior losses, one building or twenty.
The more square footage, elevations and materials a property has, the more room there is for a claim to come up short.
Larger and custom homes
Premium roofing, siding and windows, matching that should not stop at one wall, and code items that belong on the estimate.
How we handle home claimsCommercial buildings
Flat and metal roofs, large footprints, and owners who need the claim handled while the business keeps running.
How we handle commercial claimsCondo, HOA and multifamily
Multi-building hail and wind losses scoped building by building, so the board and manager have a claim they can explain to owners.
For boards and property managersNot sure it is big enough?
Ask anyway. Damage that looks like a small repair sometimes turns out to be much larger once it is fully documented. We take claims of every size, and a review costs nothing.
Scope written the way the work is actually done.
About Chris and RCGResolute Claims Group was founded by Chris Sparacino, who has spent more than 10 years in exterior construction. Much of that work came from storm insurance claims, so he has seen how damage is scoped, priced and judged from the job site, not just the paperwork.
A quick look
- Photos from the ground
- Visible damage only
- Standard materials assumed
A documented claim
- Measured, slope by slope
- Related damage traced
- Actual materials and code items
Four steps, and you decide at each one.
You send a short request
Property type, location, what happened and where the claim stands. About two minutes.
Chris calls you back
Within 24 hours, often the same day. He tells you plainly whether RCG can help.
A free claim review
We look at the damage in person and, with your permission, the policy and any estimate or letter. You get a straight answer on whether it is worth pursuing.
You decide
If it makes sense to work together, we explain the agreement and the fee before anything is signed.
Straight answers before you call.
How we are paid
Nothing up front, and no recovery, no fee. Our fee is 10% of what the insurance company pays on the claim, not counting your deductible. It is set in writing before we start and taken from each insurance check as it is paid, never up front. The contract includes a cancellation period set by Illinois law.
What does a public adjuster do?
The insurance company has its own adjuster. A public adjuster is licensed by the state to represent you instead. We document the damage, read the policy, build the claim line by line and handle the back and forth until it is settled.
I already filed, or already got a check. Is it too late?
Usually not. Many claims we review were filed months ago or paid low. A review tells you whether there is more to pursue and what deadlines your policy sets.
What if my claim was denied?
A denial is not always the final word. We look at the reason given, the policy language and the damage itself, then tell you plainly whether it is worth contesting. How we handle denied and underpaid claims.
How fast will I hear back, and how will you keep me updated?
Chris calls back within 24 hours, and often the same day. Once we are working together, you get regular updates in plain language until the claim is resolved.
Is there a minimum claim size?
No. We take claims of every size. A free review tells you whether yours is worth pursuing.
Do you have relationships with contractors?
If there is ever a contractor relationship on your claim, we tell you in writing before you sign. You still choose who does the work.
Do you stay with the claim until it is fully paid?
Yes. We stay on the claim through the final payment, including recoverable depreciation and any supplements, not just the first check.
Do I still choose my own contractor?
Yes. You choose who does the work. In Illinois, a public adjuster’s fee cannot change based on the contractor you hire.
Can a condo or HOA board hire you?
Yes. We work with boards and property managers on multi-building claims, including how the master policy, deductibles and owner communication fit together.
Just had a storm?
Read the checklist for the first 72 hours: staying safe, protecting the property, documenting the damage and starting the claim the right way.
Start your free claim review.
Tell us a little about the property. Chris will call you back to talk it through. Asking does not obligate you to anything.
No recovery, no fee. 10% of what the insurance company pays, nothing up front.
Prefer to talk now?(815) 706-5535