Thank you for investing a few minutes to learn about your choices for protecting your property investment and about our company.
Our industry is highly regulated and we serve our clients under the scrutiny of the Illinois Department of Insurance, Municipal Building Departments, Mortgage Companies and most importantly, our clients themselves.
Michaelson & Messinger Insurance Specialists, LLC is licensed and regulated by the Illinois Department of Insurance and is a member of the Better Business Bureau.
Phillip Stonis, one of the owners, has worked in the construction trade his entire life and runs our reconstruction and remodeling projects.
Our management team has over 60 years experience in the preparation, adjustment and negotiation of insurance claims in the State of Illinois. Each adjuster is licensed by the State of Illinois. We pride ourselves on service to our clients.
The original founder of Michaelson & Messinger, Marvin Michaelson, has been a public adjuster since 1972. Edward A Messinger, our co-founder, has been a public adjuster since 1983. Nathan Michaelson, one of the owners, heads our adjusting team. Edward Messinger and Jeffrey Kaess head our sales and client service department and have extensive knowledge in the adjusting and restoration fields.
We will help you…
We are licensed, bonded and regulated by the Illinois Department of Insurance.
Michaelson & Messinger Insurance Specialists, LLC represents and protects your interest according to the terms and conditions of the insurance policy. Your investment is what we protect. We provide emergency services required by your insurance policy to protect your property from further damage. Temporary electric, heat, plumbing and boarding up of all windows, doors and roof holes are some of our emergency services.
Michaelson & Messinger Insurance Specialists, LLC handles your claim on your behalf from beginning to end so that you may get your life back in order regarding your family, job or business. We prepare itemized claim details as required by your insurance policy for damage to your building and personal property. We document all damage and anticipate hidden damage caused by water and smoke penetration, structural damage and financial loss. We also specialize in the preparation of additional living expense, loss of rents and business interruption claims. Michaelson & Messinger Insurance Specialists, LLC prepares, submits and tracks all paperwork and arranges inspections with your local authorities and with your mortgage company as required. We also obtain proper building permits meet for all municipality inspections and carry full liability insurance as required by the State of Illinois. Michaelson & Messinger Insurance Specialists, LLC helps place you in temporary housing while your home is being repaired. We use a professional relocation company which specializes in disaster relocation and is recognized by insurance companies. There is no cost to you for this service.
We are also licensed general contractors and will repair your house or building after your approval of specifications and repair plans for the amount agreed upon by Michaelson & Messinger Insurance Specialists, LLC and your insurance company. You, the policyholder, will pay nothing at all out of your pocket. We have a guarantee on all materials and work. We carry full liability insurance.
We’ll give you peace of mind …
As many people anticipate, the adjustment and repair process that follows an insurance loss is difficult and stressful. This is largely due to having to make judgments and agreements without the proper training or knowledge. Our clients regain their normal lives more quickly and easily than those who “do it alone.” We understand everyone’s need to concentrate on their families and professions without added financial worry or unfamiliar responsibilities.
As a licensed, professional firm, Michaelson & Messinger Insurance Specialists, LLC, will give you peace of mind in the difficult days ahead.
Your best choice is Michaelson & Messinger Insurance Specialists, LLC.
Requirements of a Standard Fire Policy in case loss occurs
The insured shall give immediate written notice to this Company of any loss, protect the property from further damage, forthwith separate the damaged and undamaged personal property, put it in the best possible order, furnish a complete inventory of the destroyed, damaged and undamaged property, showing in detail quantities, costs, actual cash value and amount of loss claimed; and within sixty days after the loss, unless such time is extended in writing by this Company, the insured shall render to this Company a proof of loss, signed and sworn to by the insured stating the knowledge and belief of the insured as to the following: the time and origin of the loss, the interest of the insured and of all others in the property, the actual cash value of each item thereof and the amount of loss thereto, all encumbrances thereon, all other contracts of insurance, whether valid or not, covering any of said property, any changes in the title, use, occupation, location, possession or exposures of said property since the issuing of this policy, by whom and for what purpose any building herein described and the several parts thereof were occupied at the time of loss and whether or not it then stood on leased ground, and shall furnish a copy of all the descriptions and schedules in all policies and, if required, verified plans and specifications of any building, fixtures or machinery destroyed or damaged. The insured, as often as may be reasonably required, shall exhibit to any person designated by this Company all that remains of any property herein described, and submit to examinations under oath by any person named by this Company, and subcribe the same, and, as often as may be reasonably required, shall produce for examination all books of account, bills, invoices and other vouchers, or certified copies thereof if originals be lost, at such reasonable time and place as may be designated by this Company of its representative, and shall permit extracts and copies thereof to be made.