FREE  Claim review at no out of pocket cost. We only get paid when you do.
📱 (630) 463-2250  ·  ✉️ jacob@grjpublicadjusters.com
Illinois Licensed · Reciprocity Anywhere in the U.S. Se habla español

Your insurance has an adjuster.
So should you.

When storm, fire, or water damages your property, GRJ Public Adjusters Inc. works for you, not the insurance company. We document, estimate, and negotiate so you get every dollar your policy actually owes.

100%
No Recovery, No Fee
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(630) 463-2250
ILLINOIS
Licensed Lic. #3002993691

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Illinois LicensedLic. #3002993691
Xactimate EstimatingIndustry standard software
🏠
Family RunReal people, real answers
🌎
Available AnywhereClaims handled nationwide
$
Contingency FeeYou pay nothing up front
About GRJ

A family run firm fighting for fair settlements.

GRJ Public Adjusters Inc. is a family owned, state licensed public adjusting firm. We were founded on a simple idea: when disaster strikes your home or business, you shouldn't have to fight your insurance company alone.

Insurance companies have entire teams of adjusters, attorneys, and engineers protecting their bottom line. We level the playing field. From the first inspection to the final check, we handle the documentation, the line item estimates, and the back and forth with the carrier, so you can focus on getting your life back to normal.

Our home state is Illinois, and we take on claims anywhere in the country through license reciprocity. If your loss is outside Illinois, just reach out, in most cases we can transfer our license and handle the claim from start to finish.

Jacob Gonzalez Founder & Licensed Public Adjuster

Why policyholders choose us

  • We work only for the policyholder, never the insurance company.
  • Free, no obligation claim review and policy analysis.
  • Contingency based fees. We only get paid when you do.
  • Detailed Xactimate estimates matched line by line against the carrier's.
  • Direct experience with State Farm, Allstate, Farmers, Liberty Mutual, and more.
  • We handle denied, delayed, and underpaid claims, not just new ones.
  • Local presence. Real people answer your message.
What we handle

Every claim we work on, we work to maximize.

If your property is damaged and your policy covers it, we can help. New claims, partially paid claims, and denied claims are all welcome.

Storm & Hail Damage

Roof, siding, gutters, and exterior damage from wind, hail, and severe weather, including hidden damage that surface inspections miss.

Fire & Smoke Damage

Structural damage, smoke contamination, contents loss, and additional living expenses. These are claims we know how to fully document.

Water & Pipe Bursts

Sudden water loss, pipe bursts, ice dams, and resulting mold or structural damage, including hidden moisture and code required repairs.

Roof Claims

Wind lifted shingles, hail bruising, granular loss, and code driven supplements. We know what carriers leave off the first estimate.

Denied & Underpaid Claims

If your carrier denied the claim, lowballed the estimate, or stopped responding, we re open it with the documentation it deserves.

Commercial Property

Apartments, retail, restaurants, and small commercial buildings. Business interruption, contents, and structural. We cover all of it.

Areas we serve

Illinois homeowners and businesses, plus claims anywhere in the U.S.

We're licensed in Illinois and handle claims here directly. For losses outside Illinois, public adjuster license reciprocity lets us transfer our license and represent you wherever the property is located.

Chicago Metro

Chicago Naperville Aurora Joliet Cicero Berwyn Elgin Schaumburg Oak Park Evanston Skokie Bolingbrook Waukegan Des Plaines

Quad Cities

Moline East Moline Rock Island Silvis Davenport, IA Bettendorf, IA

Central & Northern Illinois

Rockford Peoria Springfield Champaign Bloomington Decatur DeKalb Galena Galesburg
Don't see your city? If your property is in Illinois we cover it. For losses outside Illinois, license reciprocity is available. Call or text and we'll confirm.
How it works

From damage to settlement, we handle every step.

A simple, transparent process designed to keep you informed without burying you in paperwork.

01

Free Inspection & Policy Review

We meet you on site, document the damage, and review your policy's coverage in plain English. No cost, no obligation.

02

Detailed Damage Estimate

Using Xactimate, the same software the insurance carrier uses, we build a complete, line item estimate of what it will actually take to make you whole.

03

We Negotiate With the Carrier

We file, document, and negotiate directly with your insurance company. Adjuster meetings, supplements, code disputes, all of it goes through us.

04

You Get Paid

Settlement funds go to you. We're paid a small contingency percentage from the recovery, never up front, never out of pocket.

Para hispanohablantes

Ajustador público con licencia en Illinois. Hablamos español.

Si su casa o negocio sufrió daños y el seguro no le está pagando lo justo, estamos para ayudarle. Trabajamos para usted, no para la compañía de seguros. Documentamos los daños, preparamos el estimado completo y negociamos directamente con el seguro para que reciba todo lo que su póliza le debe.

Tipos de daños que manejamos

  • Daño por tormenta, viento y granizo
  • Daño por incendio y humo
  • Daño por agua y rotura de tuberías
  • Daño en el techo
  • Reclamos negados o mal pagados
  • Daños en propiedad comercial

Sin costo inicial

Nuestros honorarios son por contingencia. Solo nos pagan un porcentaje de lo que recuperamos para usted, con un máximo del 10% en residencias personales en Illinois. Si no recuperamos nada, usted no paga nada.

¿Su reclamo ya fue negado? Podemos abrirlo de nuevo con la documentación correcta. Una negación no siempre es final.

Llame o envíe un texto: (630) 463-2250

Correo electrónico: jacob@grjpublicadjusters.com

Si no contesto la llamada, por favor envíeme un mensaje de texto. Respondo más rápido a los mensajes de texto.

Common questions

What policyholders ask us most.

If your question isn't here, just text or email. We'll answer it before you sign anything.

What does a public adjuster actually do?
We work for you, not the insurance company. We document the damage, build the estimate, file the paperwork, and negotiate the settlement.
How much does it cost?
Nothing up front. We're paid a percentage of what we recover for you, capped at 10% on personal residences in Illinois. No recovery, no fee.
Can I hire you after I've already filed?
Yes. We can step in before you file, during the review, after the first estimate, or after a denial.
Will my insurance company drop me?
No. It's your legal right, and your carrier cannot cancel or non-renew your policy for using a public adjuster.
What if my claim was denied?
We re-document the loss and re-engage the carrier with the evidence the original claim was missing. A denial isn't always final.
How long does it take?
Most residential claims resolve in 30 to 60 days. Larger or contested claims take longer.
Do you only handle Illinois claims?
No. Illinois is our home state, but we can transfer our license through reciprocity to handle claims anywhere in the country.
What types of damage do you handle?
Storm and hail, fire and smoke, water and pipe bursts, roof damage, denied or underpaid claims, and commercial property losses.
Still have a question? Send us a quick message or text (630) 463-2250.
The insurance company writes the first estimate. The public adjuster writes the right one.
GRJ Public Adjusters Inc.
Get in touch

Tell us what happened. We'll take it from here.

Call, text, or email anytime. Free claim review. Based in Illinois with license reciprocity available for claims anywhere in the country.

¿Habla español? Llámenos o envíenos un texto al (630) 463-2250 para una consulta gratuita en español.

Call or Text

(630) 463-2250

If I miss your call, please text. I prefer texts and reply faster to them.

Service Area

Illinois licensed (Lic. #3002993691). License reciprocity available for claims anywhere in the U.S.

Response Times

TextsFastest reply
CallsReturned same day
EmailWithin hours
Urgent claimsTop priority

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