When your Lehigh Valley 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 Lehigh Valley policyholders — never insurance companies — on property damage insurance claims. Serving Pennsylvania since 2004, we handle the documentation, estimating, and negotiation a property claim demands so you do not have to face the carrier alone.
The Lehigh Valley spans Lehigh and Northampton counties and centers on its three cities — Allentown, Bethlehem, and Easton — surrounded by fast-growing suburbs and older industrial boroughs like Catasauqua, Northampton, and Bangor. From downtown rowhomes and former mill housing to new developments and warehouse and logistics parks, the region's property is as varied as its history, and each type is evaluated differently after a loss.
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.
The Lehigh River runs through the heart of the valley, joined by the Delaware at Easton and fed by the Jordan, Little Lehigh, Monocacy, and Bushkill creeks. The region has a long and serious flooding history: the remnants of tropical systems and heavy spring rains have repeatedly pushed these waterways over their banks, and riverfront and low-lying properties in Allentown, Bethlehem, and Easton are especially exposed. How a water loss is characterized often decides how the claim is paid.
Severe thunderstorms are a defining Lehigh Valley risk. The region sits in a corridor that regularly sees damaging straight-line winds, hail, and microbursts in summer, tearing at roofs and siding and toppling trees. Carriers frequently credit only part of wind and hail damage or attribute it to age.
Winter brings heavy snow, ice damming, and freeze-and-thaw pipe bursts, particularly in the valley's large stock of older brick and frame homes and former industrial housing.
Fire and smoke losses affect the cities' dense neighborhoods and the region's many older commercial and mill buildings, where smoke, soot, and firefighting water spread damage well beyond the area that burned.
The valley's rapid growth in warehousing and light industry adds a base of large commercial structures whose losses involve more complex policies and, often, business interruption.
Each of the valley's cities has its own character. Allentown, the largest city, mixes a dense urban core with established residential neighborhoods and a growing downtown. Bethlehem carries the legacy of its steel history in its housing and former industrial sites, straddling the Lehigh and Northampton county line. Easton sits where the Lehigh meets the Delaware, with historic housing close to the water.
Around them, boroughs and townships — Whitehall, Emmaus, Macungie, Catasauqua, Coplay, Nazareth, Northampton, Hellertown, and Bangor among them — range from older mill towns to newer suburban developments, each with its own storm, fire, and water risks.
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.
The Lehigh Valley's flooding history is not abstract — the river and its tributaries have produced major, damaging floods, and the region's dense development means runoff reaches waterways fast. Riverfront neighborhoods, low-lying streets, and finished basements bear the brunt, and mechanical systems are often the first casualties.
The valley's exposure to severe summer thunderstorms compounds the risk. A single fast-moving storm can combine damaging wind, hail, and torrential rain, producing roof, siding, and water losses all at once — losses that carriers sometimes try to split apart or attribute to wear.
ACI documents the cause, timing, and full extent of storm and water losses and reviews your coverage with you, so a complex, multi-part claim is presented clearly and evaluated on its facts.
Make sure everyone is safe first, and contact emergency services if needed. Do not enter a structure that may be unstable after a fire or a major storm.
Take reasonable steps to prevent further damage — cover an open roof, shut off water to a burst pipe — 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 the Lehigh Valley — from city rowhomes and suburban houses to apartment buildings, storefronts, offices, and the region's growing base of warehouse 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 brick and frame homes and interior damage that followed water or smoke left off the estimate.
Cause of loss is the second, and it is especially contested here after storms that combine wind, hail, and water, where a carrier may credit one peril 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 serving both Lehigh and Northampton counties, and we work exclusively for property owners — never for insurers.
We know how carriers evaluate Lehigh Valley losses, from river and creek flooding in the cities to severe-storm roof damage in the suburbs and fire and smoke claims in older mill 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 Lehigh Valley 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.