What's New at ACI?
Recent Editions of "The Max" - ACI's Weekly Newsletter
August 13, 2017
Am I covered for a plumbing leak under my kitchen sink?
Yes, a sudden leak under the kitchen sink is covered under homeowners insurance.
What materials would be covered for replacement if I file a claim for a leak from my sink?
A leak under the sink can cause damage to your kitchen cabinets, flooring, and ceiling in the floor below. Our goal as your Public Adjuster is to get you covered for replacement of your damaged cabinet set, replacement of all damaged flooring (even if it extends into another room), any damaged ceilings and walls (including re-painting any matching walls and ceilings) and replacement of any damaged contents.
Is my plumbing bill covered?
If you need to hire a plumber to stop a sudden leak, save the receipt! It's covered.
Am I covered for damage by mold?
Mold is excluded from homeowners insurance policies as a covered loss, however if mold is a direct result of a covered loss, such as a pipe burst, roof leak, or toilet overflow, you're in luck! Most insurance policies cover mold as a result of a covered loss.
July 31, 2017
1. Put a Tarp on It! – Prevent further damage to your roof, siding, windows and interior of your home by putting tarps over any openings that were created by wind or hail.
2. Call Your Public Adjuster Immediately – When it comes to assessing damage, taking pictures, and contacting the insurance company, sooner is better.
3. Document Everything – How long was the hail storm? How big were the hailstones? What items were damaged inside and outside of your home?
4. Save all Receipts – Some insurance companies withhold a portion of the settlement until all work is completed. Save all receipts for any repairs or work done.
5. Let the Public Adjuster do the Talking! – Your insurance company’s adjuster will try to minimize the claim based on what you say.
5 Tips to Help After a Fire
July 15, 2017
1. Clothing - Smoke damage requires special cleaning techniques. Improper cleaning will set the stains and odor, making them impossible to remove.
2. Mildew - To prevent mildew, remove wet or damp objects from the house as soon as possible and allow to dry, preferably in the open air and sunshine.
3. Walls & Ceilings - Allow soot to dry untouched for at least 24 hours. Trying to remove soot before it has dried will only spread the stain and make it permanent.
4. Wood Furniture & Fixtures - Clear off all mud and dirt. Remove drawers and allow to dry thoroughly. Scrub with a stiff brush and cleaning solution. Wet wood decays and molds easily.
5. Food - Discard any food items exposed to fire, smoke or heat. Even canned goods which have been exposed to heat may be unsafe.
Toilet Leaks - Am I Covered?
July 7, 2017
One of our clients in Norristown, Pennsylvania called us with a major problem. She had two toilet overflows at around the same time, but when she called All State insurance company, they denied her over the phone. “Maintenance issues are not covered,” her agent told her.
A common call that we get from homeowners is “My toilet overflowed and my insurance company denied it… HELP!” We get several of these call per month and almost every time we are able to get the claim covered by the insurance company. We were able to get this particular client in Norristown covered for both toilet leaks for over $10,000 in settlements. Why? Well, that’s our job!
If your toilet has been leaking continuously for over a year, chances are even hiring a Public Adjuster won’t get you covered for your damages. The agent was right when he said that maintenance wasn’t covered, and the insurance company can very easily deny any leak from a toilet by calling it a “maintenance issue.”
However, if our Public Adjuster can pinpoint the cause of the leak, we will most likely get coverage, and a lot of it. When a toilet overflows, we argue for maximum replacement cost as determined by our adjuster. The clean-up costs, costs of restoring the affected rooms, and the cost of replacing contents can take these claims over the $10,000 mark – especially if there is any dirty water involved.
So, if your toilet has a sudden leak, call ACI Adjustment Group at 1-800-809-4302. We’ll get you covered and fight for the maximum settlement!
Flooded Basement - Am I Covered?
July 1, 2017
Am I covered by homeowners insurance for water in my basement? This is a very common question we get from our customers. Nearly every home gets at least a small amount of water in the basement. Unfortunately, most water that leaks into the basement is not easily covered - especially if you use the exact phrase "flooded basement." We compiled a list of the different causes of basement water with an explanation of why they are covered or not covered.
If you have a sudden leak from plumbing in your basement, you are likely covered for it by homeowners insurance. You should get coverage for leaks from the following sources: leak from a pipe under the first floor floorboards; leak from a sink, tub, shower or toilet; leak from an appliance; leak from an air conditioner.
Sump Pump Failure
Sump pump failure can be catastrophic. Imagine walking down the stairs into your basement during a rainstorm and seeing your furniture and belongings sitting in six inches of water… just the thought probably turns your stomach. Now, imagine calling your insurance company up and getting denied for a claim. The fact is, this scenario happens over and over again to homeowner throughout Pennsylvania. If you do not have a Sump Pump Endorsement on your homeowners insurance policy, your insurance company will deny your claim. You need this endorsement (endorsement = rider) on your policy to get coverage for a sump pump failure.
Your insurance company will not cover water seeping into your basement from below the ground or running along the ground into your basement. If you have water getting into a basement window, the source of that water will determine coverage. Any claim for water getting into the basement from outdoors is best handled by a Public Adjuster because they are very easy for the insurance company to deny.
Many policies require an endorsement before they will provide coverage for a sewage backup. A sewage line that breaks outside of your home and leaks into your walls is likely not covered. However, if sewage is being discharged through your toilet, a Public Adjuster may be able to negotiate coverage. Once again, these claims are very easy for the insurance company to deny, and it is important that you have an expert handle all of the negotiation for all claims involving water in the basement.
Water heater leaks can cause severe damage to a basement. Damage from a water heater is covered, however the insurance company often tries to argue that this type of loss is a maintenance issue. Having a Public Adjuster negotiate your claim is a must for water heater leaks.
Mold can be very difficult to get covered on any floor, but if you have mold in your basement you need a Public Adjuster to assist with getting coverage and getting the maximum mold settlement. In order to get coverage for mold, the homeowner must prove that it was caused by a covered loss.
5 Solid Tips for Frozen Solid Pipes
June 23, 2017
8 Common Winter Property Claims
June 13, 2017
5 Important Winter Weather Insurance Claim Tips
May 24, 2017
What to do when damage occurs!
If you have damage to your home or business, follow these two simple steps for claim success!
April 5, 2017
1) Document the Evidence
Photograph, video tape, and document anything you feel may be important in negotiating a settlement from your insurance company. Be aware that insurance companies won’t always view your claim the same way you do, and be prepared to fight. Below is an excerpt from a Wall Street Journal article titled “Why Insurance Mediators Help When Disaster Strikes,” written by Terri Cullen:
“In the wake of a disaster, homeowners’ natural response is to grab their policy and call their insurance agent pronto. But spend a few moments perusing consumer Web sites like Allstateinsurancesucks.com and StateFarmSucks.com (are you noticing a trend here?) and you’ll quickly see that plenty of homeowners who have gone that route have lived to regret it.
“The reason? Most homeowners, it turns out, have only a vague idea of what their homeowners insurance actually covers. Once a claim is filed, the insurance company will send over an independent adjuster to evaluate the claim. But these independent adjusters aren’t so independent. Their job is to represent the insurance company’s interests first, and yours second. After all, the insurance company is paying the independent adjuster.”
2) Seek Third Party Assistance
Professional Public Adjusters who are licensed by the State of Pennsylvania can negotiate your claim to make sure you get receive the settlement you are entitled to. The same Wall Street Journal article continues to explain why hiring a Public Adjuster is often a necessary step in getting the maximum settlement:
“When a customer files a claim it’s not uncommon for independent adjuster to tell the homeowner that certain claims aren’t valid due to certain clauses or omissions in their insurance coverage. And homeowners, already distraught due to the disaster, don’t have the desire to argue with the insurance company representatives’ estimate of their loss.
“So when disaster strikes, it may very well be worth hiring a professional public adjuster as your advocate in an insurance claim. These adjusters specialize in combing over your damaged property and your homeowners policy, and they make sure the insurer doesn’t snake away from a valid claim. Public adjusters many times are veteran insurance company claims adjusters who know how insurance companies operate and have expertise in negotiating property claims to make sure you get the most out of your policy.”
Property Damage Culprit Still At Large!
Suspect was last seen with a team of elves in a wooden sleigh led by flying reindeer accomplices
December 27, 2016
Police phone lines were backed up this December 25th as homeowners throughout the Philadelphia area called to report a man in a red suit with a white beard causing damage to their property. There were over 10,000 calls for soot stains around fire places, 2,384 calls for damaged rooftops, 386 calls for stolen milk and cookies, 18 toilet overflows and 4 large wine stains on carpets. Several homes also reported refrigerator doors left open causing leaks in their kitchen.
The police were called to an accidental B.B. gun shooting in Doylestown, but it was determined to be a false alarm. However the child responsible for firing the B.B. gun did state that he saw his mommy kissing Santa Claus that night. The child was warned that if he wasn't more careful with the B.B. gun he could shoot his eye out.
Santa was last seen flying north led by a reindeer with a red nose. He is believed to have several accomplices. The police have two elves in custody, but neither are cooperating with police.
Homeowners throughout the area have reported trouble getting their insurance companies to cover the damages caused by Santa and his elves. One resident was denied by Scrooge Mutual Insurance Company after he found soot damage around his fireplace. When the resident asked why he was denied for his claim, the representative from Scrooge Mutual said that he did not believe in Santa and asked the homeowner to provide proof of Santa's existence.
Luckily, the homeowner remembered a Christmas jingle he had heard from ACI Adjustment Group. The homeowner called ACI Adjustment Group immediately and is expecting a check for over $10,000 for the soot damage.
If you have suffered any of the damages above, you are urged to contact ACI Adjustment Group at 1-800-809-4302.
Welcome to our updated website!
December 19, 2016
ACI Adjustment Group would like to welcome you to our new and improved website! We have several new features, including the Claim Calculator and the File a Claim Online feature. We also have updated ACI's Online Backoffice, which gives our customers up-to-date information on their claim! You can stay current with us by adding us to your Facebook likes, following us on Twitter, and adding us to Google+!
ACI Adjustment Group is Fair Fee Certified by United Public Adjusters!
ACI Adjustment Group's fees received the highest ranking by the UPA for fairness to the consumer!
The Claim Calculator is ACI Adjustment Group's newest feature! Do you want an estimate of how much your claim will be worth before you file it? Use our claim calculator by clicking the icon below.
File a Claim Online
The new File a Claim Online feature lets you file your entire claim with ACI Adjustment Group right from your living room, at work, or on your smartphone!
New & Improved Online Backoffice Goes Mobile!
ACI Adjustment Group's online back office is now accessible via your smartphone! View your claim files, estimates, pictures and updates anywhere in the world in the palm of your hand!