ACI Adjustment Group is a licensed Pennsylvania public adjusting firm that represents policyholders — not insurance companies — on property damage insurance claims across the Commonwealth.
When your Pennsylvania property is damaged, your insurance company sends its own adjuster — someone who works for the insurer. ACI Adjustment Group puts a licensed public adjuster on your side. Headquartered in Newtown and serving policyholders across Pennsylvania since 2004, we document the full extent of your loss, prepare an independent estimate, and negotiate with your insurer until the claim is resolved the way your policy requires.
We work only for policyholders, statewide, on residential and commercial property claims. 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.
Property owners across the Commonwealth call ACI when a claim feels stuck, when an offer seems low, or simply when they want a licensed professional in their corner from the start. Whether your property is a city rowhome, a suburban single-family house, a farmhouse, or a commercial building, the principle is the same: you are entitled to your own representation, and the insurer's own adjuster is not it.
Pennsylvania spans a hard mix of perils. The southeast and the river valleys see nor'easters, the remnants of tropical systems, and flash and river flooding. Central and western Pennsylvania face severe thunderstorms, high wind, hail, and lake-effect and heavy snow that stress roofs and drive ice damming.
Winter freeze-and-thaw cycles cause pipe bursts and ice-dam leaks in older housing stock statewide, from Philadelphia rowhomes to farmhouses in the north and central counties. A single burst pipe can damage multiple floors before it is found.
Wind events lift shingles, flashing, and flat-roof membranes and drive rain into wall cavities — damage insurers frequently attribute to age or wear rather than the storm. Fire and smoke losses affect homes and businesses in every county, and smoke, soot, and firefighting water routinely spread damage well beyond the area that burned.
These are exactly the losses insurers most often underpay, and exactly the claims we handle every day for Pennsylvania policyholders.
We begin with a free inspection of the damage and a review of your policy, so you understand what is covered before you commit to anything.
We then document the loss in full — photographs, measurements, and a line-by-line estimate — supported by engineering or specialty input when a loss requires it. We present that file to your insurer and handle every call, letter, and meeting from first notice through settlement.
You stay informed at each step, and we represent you and only you. The goal is straightforward: that your claim is evaluated fully and paid the way your policy requires.
Make sure everyone is safe and contact emergency services if the situation requires it. Do not enter a structure that may be unstable after a fire or a major storm.
Take reasonable steps to prevent further damage and keep receipts for what you spend doing so. Policies generally expect you to mitigate, but not to complete permanent repairs before the loss is documented.
Document the loss thoroughly before cleanup begins — photographs of every affected area and a written list of damaged contents — and retain damaged materials where practical.
Report the loss to your insurer, but be careful about recorded statements or signing anything that limits the claim before you understand your coverage. A licensed Pennsylvania public adjuster can review your policy and the loss with you before you commit to the carrier's process.
ACI represents homeowners and commercial property owners across Pennsylvania, on losses ranging from single-family homes and multi-unit buildings to offices, storefronts, industrial properties, and institutional buildings.
Commercial claims often involve more complex coverage and, at times, business interruption alongside physical damage. Residential claims frequently turn on scope and cause-of-loss questions. Both reward careful documentation and a clear, well-supported estimate.
Wherever you are in the Commonwealth, our role is the same: represent the policyholder, document the full loss, and negotiate with the insurer so the claim is paid the way the policy requires.
Pennsylvania's property risks vary sharply by region, and ACI represents policyholders across all of them. In the southeast — Philadelphia and the surrounding counties — dense housing, river flooding, and nor'easters drive the most common losses.
The Lehigh Valley and south-central Pennsylvania, including the Harrisburg, Lancaster, and York areas, mix suburban development, older boroughs, and farmland exposed to severe thunderstorms, wind, and winter weather. Northeastern Pennsylvania, around Scranton and the Wyoming Valley, sees heavy snow, ice damming, and freeze-related pipe bursts in its older housing stock.
In the west, Pittsburgh and Allegheny County bring dense hillside neighborhoods, aging infrastructure, and water- and slope-related losses, while northwestern Pennsylvania around Erie faces lake-effect snow and wind off Lake Erie. Wherever you are in the Commonwealth, ACI documents your loss in light of how property in your region actually fails — and how your carrier is likely to evaluate it.
Most underpaid claims are not the result of a single dramatic dispute — they come from a narrowed scope. The insurer's estimate repairs less than the loss actually requires: a roof is patched instead of replaced, damaged materials that no longer match are ignored, or interior damage that followed water or smoke is left off the estimate entirely.
Cause-of-loss disagreements are the second common reason, especially on water and roof claims in Pennsylvania's older housing stock, where carriers may attribute storm damage to age or wear. Overlooked coverages are a third — parts of a policy that apply to a loss but are never brought into the claim.
A licensed public adjuster's job is to document the full scope of the loss, support how it occurred, and make sure the coverage that applies is actually part of the claim — so the claim is evaluated on the merits.
Public adjusters in Pennsylvania are licensed by the Commonwealth, and you can verify a license through the Pennsylvania Insurance Department. Beyond licensing, the key questions are simple: does the adjuster represent policyholders rather than insurers, and are they clear about how they work and how their fee is structured?
ACI Adjustment Group represents policyholders only, never insurance companies. The initial inspection and policy review are free, and we explain exactly how our representation works before you sign anything — so you can make an informed decision with no pressure and no obligation.
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 on your own if you prefer. There is no cost for that initial assessment and no commitment to continue.
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. Insurance companies retain their own adjusters; as a policyholder, 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 from our headquarters in Newtown. We are licensed Pennsylvania public adjusters, we serve the entire Commonwealth, and we work exclusively for property owners — never for insurers.
Our process is transparent and process-based: a free inspection and policy review, full documentation of the loss, and direct negotiation with your insurance company. There is no cost for the initial review, and we explain exactly how our representation works before you sign anything.
From dense city rowhomes to suburban developments and rural farmhouses, we know how Pennsylvania carriers evaluate losses and how to build a claim file the insurer has to take seriously.
These four counties do not yet have their own public adjuster hub page, so their communities are listed here on the statewide hub. Every one is a live page you can open directly. When a county hub ships, its communities move there automatically.
45 communities we serve
38 communities we serve
43 communities we serve
35 communities we serve
A public adjuster is a licensed professional who represents the policyholder — not the insurance company — in a property insurance claim. ACI Adjustment Group represents Pennsylvania policyholders only, and works exclusively for property owners.
ACI is a licensed Pennsylvania public adjusting firm headquartered in Newtown and serves policyholders across the Commonwealth on residential and commercial property claims.
Often, yes. ACI can review the denial or offer and your policy, document the loss independently, and re-present the claim to your insurer. We will tell you honestly whether we believe there is a basis to pursue it further.
No. ACI Adjustment Group is not an insurance company and is not affiliated with any insurance carrier. We are a licensed public adjusting firm that works on behalf of the policyholder.
ACI represents policyholders on a contingency basis, and the initial inspection and policy review are free. We explain exactly how our fee works before you sign anything, and there is no obligation to proceed after the free review.
Not before you understand whether it reflects your full loss and your coverage. Once you accept and sign a release, reopening a claim can be difficult. A free, independent review lets you compare the offer first.
Yes. ACI represents both homeowners and commercial property owners across Pennsylvania, including multi-unit, office, retail, industrial, and institutional properties.
No cost, no obligation. Tell us about your loss and a licensed Pennsylvania public adjuster will tell you where you stand.