Frequently Asked Questions

Sort By:

My claim was denied. Am I entitled to a second opinion from Frontline Adjusters?

Yes! Many of our clients were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.

What is the cost of hiring Frontline Adjusters?

In nearly every case, once we have performed our service and seen to the settling of the claim, we are compensated by referring to the restoration project to our trusted sister company Greater Good Restoration Inc.  In this case, the insurance proceeds are used to complete the project, and our fee is waived. In the case that our restoration services are not utilized, a small percentage of the amount recovered from the Insurance Company is paid directly from the insurance proceeds.  

Is there a minimum value required for a claim to be made?

We only get involved in claims where our services are needed. Therefore, there is no claim too big or too small. Just give us a call to discuss your claim, and we will give you our professional opinion.

When should I call Frontline Adjusters?

You should call us immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process. 

Who regulates a public adjuster?

A public adjuster is an insurance adjuster expert who is licensed and certified by the Illinois Department of Insurance to work exclusively for the benefit of the policyholder

Who uses the services of public adjusters?

Public Adjusters are hired by individuals and all types of businesses and professionals, including attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will never attempt to settle a claim without our help. 

What is the difference between a public adjuster and an insurance company adjuster?

The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder.  A public adjuster is an insurance adjuster expert who works exclusively for you, the policyholder. We are experts in reading the final print and understanding your policy, coverage, and the insurance company’s responsibilities in order to negotiate a better settlement. 

If my claim has been closed by my insurance company, is it too late to hire a public adjuster?

Usually, it is not too late. Many policies within Illinois allow up to two years to settle an existing claim from the date of loss. If you do not believe you were paid the right amount and would like us to review your claim, please contact us. We will carefully audit and analyze your claim and give you our professional opinion. 

Will my insurance company cancel my policy if I hire a public adjuster?

No. It would be a serious violation for any insurance company to discriminate against you in any way for exercising a right given to you by the State of Illinois. 

What is a public adjuster?

A public adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating an insurance claim. A public adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.

Will I get a higher settlement if I hire a public adjuster?

Almost always! You will receive a higher settlement from the insurance company than if you do not use a public adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. Typically, the more detailed and complete your claim, the higher the settlement. We go through all the evidence, step by step, very carefully inspecting the loss site and accurately documenting the damage. Studies have clearly demonstrated that most inventories compiled by insurance without the help of the public adjuster are very incomplete.

Will my insurance rates increase if I file a hail & wind claim?

Insurance companies do not single individuals out for making a hail and wind claim. Each year, insurance carriers raise rates based on the number of claims that are filed within your zip code. So after a storm, whether or not you file a claim, you will see a small increase in your premiums.

How long does it take to install a roof?

Most roof replacements on average-sized residential homes only take 1-2 days! While most roof installations can be completed in a day, your project may take longer if we run into weather delays, if you have a larger or more complicated roof, or if you’ve selected a specialized material. 

Should I repair or replace my roof?

In general, if more than ¼ of your roof is damaged or your shingle roof is older than 20 years, a full replacement is recommended. Thankfully, a Frontline Adjusters representative will lend their expert advice based on your specific circumstances, so you’ll get a clear picture of the services you need.

What are DaVinci Roofscapes materials?

DaVinci Roofscapes are a leading brand of synthetic slate and cedar shake roofing tiles. Traditional slate and cedar shake materials are highly expensive and require a lot of hands-on maintenance. Synthetic materials from DaVinci expertly mimic the style of slate and cedar but with an eco-friendly, low-maintenance material

What does it mean to be a CertainTeed Shingle Master contractor?

CertainTeed Shingle Masters are contractors recognized by the leading shingle manufacturer, CertainTeed. These contractors are awarded for providing superior workmanship and customer service. Working with a CertainTeed Shingle Master means you get extended warranty coverage on full CertainTeed roofing systems.

What types of siding do you install?

We most commonly install CertainTeed Restoration vinyl siding. This is an economical yet durable product that looks stylish and clean.

How long does it take to install new siding?

Depending on the size of your home and the weather, it may take 2-7 days to complete a full siding project. 

How long does vinyl siding last?

With proper maintenance, vinyl siding commonly lasts between 20-40 years!

Can you paint vinyl siding?

Yes, absolutely. However, with all the incredible color options available from CertainTeed, you’ll be able to choose the exact color you’re dreaming of from the start.

What are the signs of exterior storm damage?

Some common signs of storm damage on your roof include lifting shingles, cracked shingles, shingle granule loss, or dented gutters. On your siding, you may notice cracks, dents, or warping. Be sure to keep your eyes peeled for interior water leaks which could be caused by storm damage on your roof or siding.

What is TPO roofing?

TPO roofing stands for “thermoplastic polyolefin.” This roofing material is a white single-ply membrane used on low-slope roofs. This is a fantastic roofing material for flat commercial roofs because it’s low-maintenance and helps keep buildings temperate.

What types of commercial properties can you serve?

Frontline Adjusters has the capabilities to serve a wide range of commercial roofs, including warehouses, retail, offices, churches, multi-family housing, and more.

Do you provide commercial roof coatings?

At this time, we do not provide roof coatings, but we do perform full commercial roof replacements.

Is Frontline Adjusters fully licensed and insured?

Yes! We hold roofing licenses and a public adjuster’s license through the state of Illinois. 

What brand of windows do you install?

As a Pella Certified Contractor, we proudly install Pella windows. The Pella brand is known as one of the top-performing window brands in the entire country, and we love how they instantly boost your home value and increase your energy efficiency.

Do you install windows in all your service areas?

At this time, we only install windows in our Glen Ellyn/Chicagoland service area.

What is the ROI on installing new windows?

A window replacement has one of the highest ROI’s of all home improvement projects. You can expect a 70-80% return on your investment!

Are Pella windows Energy Star rated?

Yes! Pella windows have an Energy Star rating and help reduce your utility bills and increase your comfort all year round.

What are your service areas?

Frontline Adjusters is located in Illinois, and we have office locations in Urbana-Champaign, Glen Ellyn, Peoria, and Springfield. We serve the surrounding areas of all four of these cities

Do you offer financing?

Yes! We’re partnered with GreenSky so that you can make low monthly payments on your home exterior project. 

Can you pay my deductible for me?

No, paying your deductible for you is insurance fraud, and Frontline Adjusters is committed to ethical business practices. You’ll have to pay your own deductible, but you can take advantage of our financing options if you need to make smaller payments on it.

Does GreenSky have prepayment penalties?

No, you will never be penalized for paying off your loan early.

Protecting Your Home, Rain or Shine.

Get Started Today