Nicole Baginski
Contents Appraiser
nbaginski@sill.com Email https://www.linkedin.com/in/nicole-baginski/ LinkedIn
Nicole Baginski has been working in the Contents Appraisal field since 2011.
She has extensive experience in inventory pricing and claim preparation for both residential and commercial claims and has worked on losses resulting from perils including fire, hurricane, tornado and flood.
Nicole has a personal passion for advocating for the insured as she herself went through the experience without representation when she suffered a loss to her home.
Sill is the leading public adjusting firm in North America because we have the ability to handle every aspect of an insurance claim. When you work with Sill we can settle your claim faster than you would be able to do on your own.
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When disaster strikes, most property owners aren’t prepared for the uphill battle of insurance claims. Sill Public Adjusters levels the playing field—working solely for policyholders to secure settlements that are often 40–700% higher than insurers' initial offers. This guide explores how public adjusters advocate for your recovery, decode complex policies, and deliver real results when it matters most.
When disaster strikes, don’t navigate your insurance claim alone. Sill’s licensed public adjusters work exclusively for you—not the insurance company—to secure the full settlement you’re entitled to. Learn how our experts help property owners nationwide evaluate policies, document damage, and negotiate higher payouts. Start with a free, no-obligation claim review today.
Why You Shouldn’t Accept the First Insurance Settlement Offer When disaster strikes your home, the last thing you need is a battle with your insurance company. That’s exactly what happened to a Chagrin Falls homeowner facing severe water damage. Initially offered just $22,000—far below the true repair costs—they almost accepted the lowball settlement. But bringing in a public adjuster changed everything. Public adjusters are licensed experts who work for you, not your insurance company. Unlike the company’s adjusters—whose job is to protect their employer’s bottom line—public adjusters advocate for homeowners, making sure you get every dollar your policy promises. In this case, the homeowner’s final settlement rose to $68,000—more than three times the initial offer. The difference? A public adjuster who thoroughly evaluated damage, interpreted policy language, and negotiated relentlessly on their behalf. If you’ve suffered property damage, don’t settle for less than you deserve. Before signing anything, talk to a public adjuster who can make your claim work for you.