Fire and Water Insurance Claims FAQs — Chicago & Illinois
1. What areas do you serve for water and fire claims?
We represent clients throughout Illinois, including Chicago, Cook, DuPage, Will, Kendall, Lake, and McHenry Winnebago counties. Our team handles claims for residential properties, multi-unit buildings, warehouses, and commercial facilities, specializing in large and complex commercial fire and water losses.
Public Adjuster, help with fire or water insurance claim in: Skokie ● Arlington Heights ● Bellwood ● Berkeley ● Berwyn ● Blue Island ● Bridgeview ● Broadview ● Brookfield ● Burbank ● Calumet City ● Chicago ● Chicago Heights ● Chicago Ridge ● Cicero ● Country Club Hills ● Des Plaines ● Dolton ● Elk Grove Village ● Elmwood Park ● Evanston ● Evergreen Park ● Flossmoor ● Forest Park ● Franklin Park ● Glencoe ● Glenview ● Glenwood ● Golf ● Hanover Park ● Harvey ● Harwood Heights ● Hazel Crest ● Hickory Hills ● Hillside ● Hines ● Hoffman Estates ● Hometown ● Homewood ● Justice ● Kenilworth ● La Grange ● La Grange Park ● Lansing ● Lemont ● Lincolnwood ● Lyons ● Markham ● Matteson ● Maywood ● Melrose Park ● Midlothian ● Morton Grove ● Mount Prospect ● Niles ● Northbrook ● Oak Forest ● Oak Lawn ● Oak Park ● Olympia Fields ● Orland Park ● Palatine ● Palos Heights ● Palos Hills ● Palos Park ● Park Forest ● Park Ridge ● Posen ● Prospect Heights ● Richton Park ● River Forest ● River Grove ● Riverdale ● Riverside ● Robbins ● Rolling Meadows ● Schaumburg ● Schiller Park ● Skokie ● South Holland ● Steger ● Stone Park ● Streamwood ● Summit Argo ● Techny ● Thornton ● Tinley Park ● Westchester ● Western Springs ● Wheeling ● Willow Springs ● Wilmette ● Winnetka ● Worth ● Aurora ● Beecher ● Bolingbrook ● Braidwood ● Channahon ● Crest Hill ● Crete ● Elwood ● Frankfort ● Homer Glen ● Joliet ● Lockport ● Manhattan ● Mokena ● Monee ● Naperville ● New Lenox ● Peotone ● Plainfield ● Romeoville ● Shorewood ● University Park ● Wilmington ● Bristol ● Millbrook ● Millington ● Montgomery ● Newark ● Oswego ● Plano ● Yorkville ● Algonquin ● Cary ● Crystal Lake ● Fox River Grove ● Harvard ● Hebron ● Huntley ● Lake In The Hills ● Marengo ● Mchenry ● Richmond ● Ringwood ● Spring Grove ● Union ● Wonder Lake ● Woodstock ● Cherry Valley ● Durand ● Loves Park ● Machesney Park ● Pecatonica ● Rockford ● Rockton ● Roscoe ● Seward ● Shirland ● South Beloit ● Winnebago ● Antioch ● Barrington ● Buffalo Grove ● Deerfield ● Fort Sheridan ● Fox Lake ● Grayslake ● Great Lakes ● Gurnee ● Highland Park ● Highwood ● Ingleside ● Island Lake ● Lake Bluff ● Lake Forest ● Lake Villa ● Lake Zurich ● Libertyville ● Lincolnshire ● Mundelein ● North Chicago ● Round Lake ● Russell ● Vernon Hills ● Wadsworth ● Wauconda ● Waukegan ● Winthrop Harbor ● Zion
Give us a call if you do not see your Village listed 773-688-4900
2. What should I do first after a fire or water loss in a business?
Your safety is the top priority — evacuate immediately and contact emergency services. Once
safe:
● Notify your insurer, but do not sign contracts, accept payments, or give recorded
statements before consulting licensed professional.
● Document all damage with photos, videos, and detailed notes, including structural
damage, equipment, and inventory.
● Keep records of operational impacts for business income interruption claims.
Proper documentation ensures your fire and water claim is fully supported, maximizing your recovery for help with fire and water loss.
3. When should I hire a public adjuster for water and fire claims?
You should involve a fire and water insurance professional as early as possible. Early
representation helps:
● Ensure accurate documentation of structural and personal property damage
● Protect against undervaluation, delayed payments, or claim denial
● Provide guidance during insurance investigations after fire or water loss,
examination under oath (EUO), and Special Investigation Unit (SIU) involvement
Early involvement increases the chances of recovering the full value of your residential or commercial fire and water claim.
4. Do you provide damage estimates for fire and water claims?
Yes. . Accurate estimates prevent insurers from undervaluing your fire and water claim. I have been preparing insurance estimates for over 40 years. Due to my extensive experience, my assessments are often more accurate than those provided by competitors.
5. What types of water and fire claims do you handle?
At Lachman Public Adjusters Inc., we handle all types of water and fire claims, including the largest and most complex commercial losses:
● Restaurants, banquet halls, and churches — managing property damage, business interruption, and equipment replacement.
● Warehouses and commercial facilities — addressing structural damage, inventory loss, and insurance commercial water loss.
● Multi-unit residential buildings — protecting residents and owners with fire and water claims.
● Single-family homes — assisting with personal property damaged during fire or water loss.
● Business income interruption — calculating lost revenue and operational expenses for commercial fire and water claims.
● Third-party liability claims — pursuing claims caused by contractor negligence for commercial fire and water losses.
No matter the type or size of loss, we ensure every water and fire claim is properly documented and submitted for full insurance recovery.
6. Can you help homeowners with fire and water losses?
Yes. Even smaller residential incidents can involve complex insurance matters. We assist homeowners with personal property damaged during fire or water loss, and fire and water dwelling restoration, ensuring fair claim recovery.
7. Do you handle commercial properties for fire and water losses?
Absolutely. We specialize in large, complex commercial fire and water losses, representing owners of restaurants, churches, banquet halls, warehouses, multi-unit buildings, and commercial facilities. From property damage to business interruption, we ensure your commercial fire and water claim reflects the full economic impact.
8. Can tenants receive help after water or fire damage?
Yes. Tenants may be entitled to compensation for personal property damaged during fire or water loss, temporary housing, and lost income. We ensure tenant fire and water claims are fully supported and fairly compensated.
9. Do you handle business income interruption claims for
fire and water losses?
Yes. We calculate lost revenue and operational expenses for commercial fire and water claims, ensuring your compensation reflects the full financial impact of downtime.
10. Do I have to use the insurance-preferred contractor
for fire and water restoration?
No. You are not required to use the insurer’s recommended contractor. Always consult Lachman Public Adjusters Inc. before authorizing repairs. Proper guidance protects your fire and water insurance claim.
11. Why is documenting water and fire damage
important?
Documentation strengthens your claim:
● Take photos and videos of all affected areas
● Keep detailed notes of conversations with adjusters and contractors
● Track all affected property and equipment
Accurate documentation is critical for help with fire and water claim.
12. What if my insurance company refuses to pay a water
or fire claim?
If your claim is denied or undervalued, contact a licensed public adjuster.
13. Can you help with fire or water damage caused by
contractors?
Yes. We handle third-party liability claims caused by contractor negligence to ensure responsible parties are held accountable for commercial fire and water losses.
14. Can you recover money for personal property or
business equipment after fire or water damage?
Yes. We ensure personal property damaged during fire or water loss and business equipment are properly documented and replaced, securing full compensation for your fire and water claim.
15. Why are water and fire claims so complicated?
Fire and water claims often involve multiple overlapping issues:
● Structural and personal property damage
● Business income interruption
● Health hazards and fire and water restoration
● Insurance investigation after fire or water loss, examination under oath, and help with claim with special investigation unit
Lachman Public Adjusters Inc. navigates these complexities to ensure full recovery for even the most challenging claims.
16. Do you handle healthcare facilities and daycares for
water and fire losses?
Yes. We assist clinics, rehabilitation centers, and daycares with complex commercial fire and water claims, ensuring financial and operational recovery.
17. What should I do if my claim is assigned to the
Special Investigation Unit (SIU)?
Contact Lachman Public Adjusters Inc. immediately. SIU investigations require careful legal guidance to protect your rights during insurance investigation after fire or water loss.
18. What is an Examination Under Oath (EUO) for fire and
water claims?
An EUO is a formal, recorded interview required by insurers. We prepare clients thoroughly to ensure accurate and safe responses, protecting your fire and water claim.
19. Why choose Lachman Public Adjusters Inc.?
● Over 30 years of experience in fire claim Chicago, commercial fire claims, and insurance commercial water loss
● Specialists in large, complex commercial fire and water losses and very difficult cases
● Expertise in large insurance claims help, EUOs, SIU investigations, and insurance bad faith
● Proven success in restaurants, churches, banquet halls, warehouses, multi-unit buildings, and residential homes
● Clear communication, full legal support, and maximum recovery for all fire and water claims.
20. How do I contact Lachman Public Adjusters Inc.?
Call us today for a free consultation if you need help with fire and water loss in Chicago, residential or commercial fire and water claims, or assistance with personal property damaged during fire or water loss. Protect your rights and secure full compensation.
773-688-4900