Resolution Claims
Resolution Claims
A public adjuster’s fee is set in a written public adjuster contract, and the policyholder pays it; you review and sign that contract before any work begins. Some states also limit how much a public adjuster may charge, or when the fee can be collected, so the answer depends on your contract and on the state the property is in.
Public adjuster services carry a fee paid by the insured. Fee terms are set out in a written contract that you review and sign before any work begins. Fees are subject to applicable state law.
The contract states how the fee is calculated, what amount it applies to, when it is paid, and how you can cancel. Read those parts closely and ask questions before you sign.
You are not required to hire a public adjuster. You don’t need a public adjuster to file a claim, and you can negotiate the claim directly with the insurance company. You can also contact your state’s insurance department with questions about the claims process.
The quotes below are from each state’s official statute text. They are examples, not a full list, and laws change; your written contract and the current official text control.
Each quote applies only in the state named. These are legal limits, not our fee and not a typical fee; the fee is the one written in your contract.
Colorado law limits public adjuster fees on claims from a catastrophic disaster, and bars a public adjuster from taking any fee before the claim is settled (C.R.S. 10-2-417(4)).
Colorado: Resolution Claims Consulting, LLC, firm license #803346; William J. Addis, license #559485.
Illinois law limits public adjuster fees in some situations, including claims arising from a catastrophic event (215 ILCS 5/1570). For a personal residence, the statute reads:
“If the loss giving rise to the claim for which the public adjuster was retained arises from damage to a personal residence, a public adjuster may not charge, agree to, or accept any compensation, payment, commission, fee, or other valuable consideration in excess of 10% of the amount of the insurance settlement claim paid by the insurer on any claim.”
215 ILCS 5/1570(e) (official text)
Illinois: Resolution Claims Consulting, LLC, firm license #3002593563; William J. Addis, license #18667143.
“A public adjuster may not receive compensation in excess of 10 percent of an insured’s actual recovery under the insurance policy if the claim is due to a catastrophic disaster.”
Wis. Stat. 629.05(6) (official text)
“A public adjuster may not demand compensation from the insured prior to the insured receiving payment from the insurer.”
Wis. Stat. 629.05(4) (official text)
Wisconsin: William J. Addis, registered public adjuster, registration #18667143. Resolution Claims Consulting, LLC is licensed as a public adjuster firm only in Colorado, Illinois, Minnesota and Rhode Island, and is not registered as a public adjuster in Wisconsin.
“No public adjuster shall charge, agree to or accept as compensation or reimbursement any payment, commission, fee or other thing of value equal to more than 10% of any insurance settlement or proceeds.”
K.S.A. 40-5513(a) (official text)
“No public adjuster shall require, demand or accept any fee, retainer, compensation, deposit or other thing of value, prior to settlement of a claim.”
K.S.A. 40-5513(d) (official text)
Kansas: commercial claims only. In Kansas, public adjuster services are limited to first-party commercial property claims. William J. Addis, KS license #18667143 (commercial lines only). Resolution Claims Consulting, LLC is licensed as a public adjuster firm only in Colorado, Illinois, Minnesota and Rhode Island, and does not hold a Kansas public adjuster license.
Rules differ from state to state. Your written contract states the fee and your cancellation rights, and your state’s insurance department can answer questions about the rules where the property is.
You can check any public adjuster’s license with your state’s insurance department or the NAIC State Based Systems license lookup.
A public adjuster’s fee is set in a written public adjuster contract, and the policyholder pays it; you review and sign that contract before any work begins. Some states also limit how much a public adjuster may charge, or when the fee can be collected, so the answer depends on your contract and on the state the property is in.
The policyholder pays it. Public adjuster services carry a fee paid by the insured. Fee terms are set out in a written contract that you review and sign before any work begins. Fees are subject to applicable state law.
In some states and some situations. For example, Colorado law limits public adjuster fees on claims from a catastrophic disaster (C.R.S. 10-2-417(4)), and Wisconsin law limits public adjuster compensation on claims due to a catastrophic disaster (Wis. Stat. 629.05(6)). Rules differ by state, and your written contract states the fee.
Your written contract states when the fee is due. Some states bar collecting a fee early. For example, Kansas law bars a public adjuster from taking any fee before the claim is settled (K.S.A. 40-5513(d)), and Wisconsin law bars a public adjuster from demanding compensation before the insured receives payment from the insurer (Wis. Stat. 629.05(4)).
In the written public adjuster contract. Fee terms are set out in a written contract that you review and sign before any work begins. Fees are subject to applicable state law. Contacting us doesn't hire anyone or sign any contract.
No. You don't need a public adjuster to file a claim, and you can negotiate the claim directly with the insurance company. You can also contact your state's insurance department with questions about the claims process.
No. We are not attorneys and do not give legal advice. A public adjuster represents the policyholder on a first-party property insurance claim. We represent policyholders, not insurance companies.
We are not attorneys and do not give legal advice.
We represent policyholders, not insurance companies.
This page is general information, not an interpretation of your policy or of any law. The wording of your policy and the current official text of each law control. We are not taking Kentucky claims at this time.
To reach William J. Addis, call (309) 883-1078 or email William@Resolutionclaims.org. Contacting us doesn't hire anyone or sign any contract.
We’ll answer your questions about what a public adjuster does and doesn’t do, and how the written contract, fees and your cancellation rights work. We don't review your policy, letters or claim until a written public adjuster contract is signed. In Illinois, a public adjuster can't provide services, other than emergency services, until a written contract on a form approved by the Director of Insurance is signed and a copy is provided to your insurance company (215 ILCS 5/1575(j)).
Official sources for the laws and licenses on this page, checked October 2026.
This page advertises public insurance adjusting services. We work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services carry a fee paid by the insured. Fee terms are set out in a written contract that you review and sign before any work begins. Fees are subject to applicable state law.
Every claim is different, and the outcome depends on the policy language, the facts of the loss, applicable state law and the insurance company’s position. No particular result can be promised.
Licensed public adjuster: William J. Addis (NPN 18667143). Resolution Claims Consulting, LLC (NPN 20764010) is licensed as a public adjuster firm only in CO #803346, IL #3002593563, MN #40893260 and RI #3003758028. In all other states, services are provided by William J. Addis individually: MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, TN #3003380591, UT #1084108, WA #1320332, WI registration #18667143. William's individual licenses in the firm states: CO #559485, IL #18667143, MN #40771302, RI #3003745104. Texas: William John Addis, 101 S East St, Annawan, IL 61234-7710, TX license #2784759. Kansas (commercial lines only): William J. Addis, KS #18667143. We are not taking Kentucky claims at this time. Verify any license through your state’s insurance department or the NAIC license lookup.
You are not required to hire a public adjuster. You don’t need a public adjuster to file a claim, and you can negotiate the claim directly with the insurance company. You can also contact your state’s insurance department with questions about the claims process.