Licensed in Illinois, Iowa, Indiana & more
IL #3002993691 · IA #3003233619
Denied or underpaid? It's not over.
A denial letter is the carrier's position, not the final word. We re-inspect the property, rebuild the documentation, and re-engage your insurance company with the evidence the first decision was missing, anywhere in Illinois, Iowa or Indiana.
Most denials are documentation problems, not coverage problems.
Carriers decide on what's in the file. When the file holds a ten minute inspection and a dozen photos, the decision reflects that. Change what's in the file and you can change the decision.
Without representation
A thin file. A form letter.
The first inspection was brief, and the claim file reflects it.
The denial cites "wear and tear" or "no storm related damage" with little supporting detail.
An underpaid estimate leaves out code items, matching, and entire trades.
You're told to collect contractor bids and negotiate on your own.
With GRJ in your corner
A rebuilt file. A reopened claim.
Full re-inspection and a new photo record built to answer the denial point by point.
Your policy read in full, so the response cites the language that actually applies.
A complete line item Xactimate estimate that shows the gap, line by line.
Supplements, re-inspections, and the back and forth handled through us.
What actually happens after you call us
Damage to settlement. We run every step.
A simple, transparent process designed to keep you informed without burying you in paperwork. You always know what's next.
Step one of four
On site inspection & policy review
We meet you on site, document the loss, and translate your policy into plain English. No cost, no obligation.
Step two of four
Line item Xactimate estimate
Using the same software the carrier uses, we build a complete estimate of what it actually costs to make you whole.
Step three of four
We negotiate with the carrier
Adjuster meetings, supplements, code disputes, re-inspections. All of it runs through us. You're not in the back and forth.
Step four of four
Settlement funds go to you
Carrier issues the check in your name. We're paid a small contingency from the recovery. Never out of pocket.
If your question isn't here, call or text 1 (309) 910-9072. We'll answer it before you sign a thing.
Can a denied insurance claim be reopened?
Often, yes. A denial based on a brief inspection or thin documentation can be challenged with better evidence. We review the denial letter and your policy, then tell you honestly whether the file is worth reopening.
Do you take denied or underpaid claims in Iowa?
Yes. GRJ Public Adjusters Inc. is licensed in Iowa (firm license No. 3003233619) and Illinois (No. 3002993691). We reopen files in Davenport, Bettendorf, Waterloo, Cedar Falls, Cedar Rapids, Iowa City and Des Moines, and across Illinois from the Quad Cities to Chicagoland. We are licensed in Indiana as well (Logansport, Lafayette, Kokomo) and take other states by reciprocity.
How do I know if my claim was underpaid?
Compare the carrier's estimate to what the repair actually costs. Common gaps include code required items, matching, tear out and detach and reset labor, and entire trades like gutters or interior finish. We run a line item comparison at no cost.
Is there a time limit to dispute a denial?
Your policy sets notice and suit limitation deadlines, and they vary by carrier. The sooner we see the file, the more options you have. Bring us the denial letter and we'll map the deadlines with you.
Will disputing the claim put my policy at risk?
No. It's your legal right to hire representation, and your carrier cannot cancel or non-renew your policy because you used a public adjuster.
What does it cost to hire GRJ on a denied claim?
Nothing up front. We're paid a percentage of what we additionally recover for you: capped at 10% on a personal residence in Illinois, at 15% (10% on a declared catastrophe) in Iowa, and set in your written contract in Indiana. If we recover nothing more, you owe nothing.
Call, text, or email anytime. Free claim review. Licensed in Illinois, Iowa, Indiana and more, based in the Quad Cities, with license reciprocity for other states case by case.
