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Property claims, documented and presented on your behalf.
We represent you, the property owner, not the insurance company.
Chris calls back within 24 hours, and often the same day.
What we handle.
Most of our work is storm damage to the outside of the building, but a claim is a claim. If it is covered property damage, ask.
Wind and hail
Roofs, siding, gutters, windows, metal buildings and everything underneath. Storm damage is often scoped too narrowly.
Fire and smoke
Structure, contents, smoke and soot, and additional living expenses. Fire claims turn on detail.
Water and freeze
Sudden water losses and freeze damage, including what is hidden behind walls and under floors.
Collapse and structural
Snow load, wind and structural failures, where engineering and code questions decide the outcome.
Denied or underpaid claims
Already have a denial letter or a settlement that does not cover the damage? We review it and tell you whether it is worth pursuing. Denied and underpaid claims
Claims that are not filed yet
Talk to us before you file. How a loss is reported and documented at the start matters.
Who we work for.
Larger and more complex properties are our focus. Smaller claims are welcome too: damage that looks minor often turns out larger once it is documented.
Higher-value and custom homes
Custom construction, premium materials, additions and outbuildings. Home claims
Commercial buildings
Flat and metal roofs, large footprints, and owners who need the claim handled while the business keeps running. Commercial claims
Condo and HOA communities
Multi-building losses, common elements and reporting the board can share with owners. Condo and HOA claims
Farms, barns and outbuildings
Pole barns, machine sheds, livestock and grain buildings, plus the farmhouse. Farm and barn claims
What we do on every claim.
Review the policy
We go over your coverage with you before anything else.
Inspect and document
We inspect, measure and photograph all visible and related damage.
Build the estimate
A detailed, itemized estimate of the loss, line by line.
Handle the insurer
Communication, meetings with their adjuster and the back and forth.
Negotiate the settlement
We present the documented claim and negotiate on your behalf.
Keep you updated
Plain-language updates until the claim is resolved.
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.
The claim review itself is free and does not commit you to anything. RCG is not a law firm and does not give legal advice.
Start with a free review.
Tell us about the property and where the claim stands.