When your Scranton-area home or business is damaged, your insurance company sends an adjuster who works for the insurer. ACI Adjustment Group puts a licensed Pennsylvania public adjuster on your side of the table.
ACI Adjustment Group is a licensed public adjusting firm that represents Scranton and Lackawanna County policyholders — never insurance companies — on property damage insurance claims. As licensed Pennsylvania public adjusters serving the Commonwealth since 2004, we handle the documentation, estimating, and negotiation a property claim demands so you do not have to face the carrier alone.
Lackawanna County sits in the heart of northeastern Pennsylvania's anthracite region. Scranton anchors a tight cluster of older cities and boroughs — Carbondale, Dunmore, Olyphant, Archbald, Jessup, Jermyn, Dickson City, Old Forge, Taylor, and Moosic — with the suburban Abingtons around Clarks Summit to the north. Much of the housing dates to the coal era, which shapes both the risks these properties face and how their losses are evaluated.
Whether your claim is new, delayed, or already denied or underpaid, we will review your policy and your loss and tell you honestly where you stand — before you accept the carrier's number.
Northeastern Pennsylvania winters are long and hard, and snow is a defining risk. Heavy and repeated snowfalls load roofs, and the freeze-and-thaw cycles that follow drive ice damming and pipe bursts through the county's large stock of older, tightly built homes. A single ice dam or burst pipe can damage multiple floors before it is found.
The county carries a risk most of Pennsylvania does not: the legacy of deep anthracite coal mining beneath its communities. Mine subsidence — the settling or collapse of ground over old workings — can crack foundations, walls, and structures, and it is handled very differently from ordinary damage under most policies. How such a loss is characterized and documented matters a great deal.
The Lackawanna River and its tributaries run the length of the valley through densely built neighborhoods, and heavy rain and rapid snowmelt can push them over their banks, flooding low-lying streets, basements, and ground floors.
Severe thunderstorms bring wind, hail, and downed trees in the warmer months, tearing at roofs and siding — damage carriers often credit only in part or attribute to age.
Fire and smoke losses are a particular concern in the region's dense, aging, and often attached housing, where smoke and soot travel far beyond the room of origin and firefighting water adds its own damage.
Lackawanna County is compact but varied. Scranton itself blends a dense downtown with hillside residential neighborhoods of older frame and brick homes. Down the valley, the river boroughs — Old Forge, Taylor, Moosic, Olyphant, Archbald, Jessup, Jermyn, and Dickson City — carry coal-era housing and commercial cores close to the water and the old workings.
To the north, Carbondale anchors the upper valley, while the Abingtons around Clarks Summit offer a more suburban, wooded landscape. Each area brings its own mix of snow, water, storm, and subsidence risk.
Wherever your property sits, ACI documents the loss on its own terms rather than a one-size-fits-all template, so the claim reflects how your specific property was actually damaged.
Two risks set the Scranton area apart. The first is winter: sustained cold and heavy, repeated snow put real load on roofs and make ice damming and pipe bursts a season-long concern. Documenting how a winter loss actually occurred — a specific ice dam, a specific burst — is central to how it is paid.
The second is the ground itself. Generations of deep-mine anthracite extraction left voids beneath many communities, and subsidence can damage foundations and structures years later. These losses are complex and are treated distinctly from ordinary property damage, so careful documentation and an understanding of how the specific policy responds are essential.
ACI documents these losses in detail and reviews your coverage with you, so a winter or subsidence-related claim is presented on its facts rather than dismissed on a quick assumption.
Make sure everyone is safe first, and contact emergency services if needed. Do not enter a structure that may be unstable after a fire, storm, or ground movement.
Take reasonable steps to prevent further damage — cover an open roof, shut off water to a burst pipe, clear a dangerous snow load if it is safe to do so — and keep receipts for what you spend. You are expected to mitigate, but not to make permanent repairs before the loss is documented.
Photograph everything before cleanup begins, room by room and element by element, and keep a written list of damaged contents. Where practical, hold on to damaged materials rather than discarding them.
Report the loss to your insurer, but be cautious about recorded statements or signing anything that limits the claim before you understand your coverage. A licensed public adjuster can review your policy and the loss with you before you commit to the carrier's process.
ACI represents both homeowners and commercial property owners across Scranton and Lackawanna County — from hillside and coal-era homes to apartment buildings, storefronts, offices, and older commercial and industrial properties.
Commercial and multi-unit losses often involve more complex policies and, at times, business interruption alongside physical damage. Residential losses turn on scope and cause-of-loss questions that reward thorough documentation.
Whatever the property, we represent the policyholder only, document the full loss, and handle the negotiation with your insurer from first notice through settlement.
Scope is the most frequent dispute — the insurer's estimate repairs less than the loss requires, with matching problems on older homes and interior damage that followed water, snow, or smoke left off the estimate.
Cause of loss is the second, and it is especially contested here, where winter, water, and ground-movement losses can overlap and a carrier may credit one and exclude another. Documentation at the outset gives your position the support it needs.
Delay is the third — claims stall and document requests repeat. As your representative, ACI handles that correspondence directly and keeps the claim moving toward a resolution.
Public adjusting in Pennsylvania is licensed and regulated by the Commonwealth. A licensed public adjuster may represent a policyholder in preparing, presenting, and negotiating a property insurance claim, while the insurer retains its own adjuster. You are entitled to your own representation.
Pennsylvania policyholders have rights throughout the claims process, and the Pennsylvania Insurance Department publishes guidance on how property claims are handled and how to raise a concern. If you are unsure whether an offer reflects your coverage, you are entitled to an independent assessment before you accept it.
Public adjusters are licensed and regulated by the Commonwealth. You can verify licensing and read your rights as a policyholder at the Pennsylvania Insurance Department (insurance.pa.gov).
ACI Adjustment Group has represented Pennsylvania policyholders since 2004. We are licensed Pennsylvania public adjusters, and we work exclusively for property owners — never for insurers.
We know how carriers evaluate Scranton-area losses, from winter ice-dam and pipe-burst claims to river flooding, subsidence-related damage, and fire and smoke losses in the region's dense older housing. That familiarity lets us document a loss the way it needs to be documented and keep the claim moving.
Our approach is transparent and process-based: a free inspection and policy review, full documentation, and direct negotiation with your insurer. There is no cost for the initial review, and we explain exactly how our representation works before you sign anything.
If you are weighing whether to involve a public adjuster at all, the free review is a low-risk way to find out where you stand — you get an independent read on your loss and your coverage, and you remain free to handle the claim yourself if you prefer. For many Scranton-area homeowners and business owners, the real value is not having to fight the insurance company alone while also dealing with a damaged property: the calls, the paperwork, the estimates, and the constant follow-up all move to us. We prepare the documentation the claim requires, present it to your carrier, and press for the outcome your policy calls for, keeping you informed at each step. When your home or business is out of commission, having a licensed professional carry that burden — one who answers to you and not to the insurer — is often the difference between a claim that drags and one that reaches a fair resolution.
No cost, no obligation. Tell us about your loss and a licensed Pennsylvania public adjuster will tell you where you stand.