When property damage strikes—whether from fire, water, storms, theft, or another covered event—homeowners often assume that filing an insurance claim will be a simple, cooperative process. Unfortunately, many quickly learn that getting paid fairly requires expertise, persistence, and strong advocacy.
That’s where American Claims Ensurance Public Adjusters steps in. As licensed experts who work exclusively for policyholders, not insurance companies, we ensure that homeowners receive every dollar they’re entitled to under their policy.
The Problem: Insurance Companies Don’t Make It Easy
Insurance carriers are billion-dollar corporations with teams of adjusters, engineers, and attorneys—trained to minimize payouts. Common issues homeowners face include:
- Lowball estimates
- Delayed investigations
- Requests for unnecessary documentation
- Denials based on technicalities
- Misinterpretation of policy exclusions
- Underestimation of reconstruction and mitigation costs
Without representation, policyholders are often left frustrated and financially exposed.
The Solution: Expert Public Adjusters Fighting for You
American Claims Ensurance Public Adjusters levels the playing field. Here’s how we help:
1. Full Policy Review & Coverage Analysis
We interpret your homeowners or commercial policy—including endorsements, exclusions, and loss settlement provisions—to determine every area of payable coverage.
2. Comprehensive Damage Assessment
Our team conducts detailed inspections and partners with certified mitigation and restoration experts. We document damages using:
- High-resolution photography
- Moisture mapping
- Xactimate or comparable estimating software
- IICRC-compliant mitigation protocols
This prevents the insurer from minimizing or overlooking repairs.
3. Accurate, Defensible Estimates
We prepare a complete estimate of loss, including structural, mitigation, contents, ALE (additional living expenses), and business interruption when applicable.
4. Managing All Communications With the Insurance Company
You no longer have to deal with:
- Adjuster emails
- Requests for paperwork
- Inspections
- Reserve games or delay tactics
We handle everything—protecting your rights and ensuring the claim stays on track.
5. Negotiation for Maximum Settlement
We push back when insurers:
- Undervalue repairs
- Misapply exclusions
- Delay payment
- Ignore code upgrades
- Challenge mitigation invoices
Our job is to obtain the highest, most accurate settlement available under your policy.
Why Policyholders Trust American Claims Ensurance
✔ Decades of experience with home and commercial claims
✔ Licensed public adjusters who work only for you
✔ Knowledge of IICRC, EPA, OSHA, and building code standards
✔ Proven results against all major insurers
✔ Transparent fee structure aligned with your success
✔ Hands-on support from first inspection through final payment
We don’t get paid unless you get paid.
Types of Claims We Handle
American Claims Ensurance represents homeowners and businesses in all major loss types:
- Water & sewer backup
- Fire & smoke damage
- Storm, wind, and hail
- Flooding
- Mold contamination
- Theft & vandalism
- Collapse & structural failure
- Vehicle impact
- Commercial and business interruption
Whether it’s a small interior leak or a catastrophic loss, our team is equipped to manage the entire insurance process.
When Should You Call a Public Adjuster?
Ideally immediately after the loss—before you speak with the insurance company. However, we can help at any stage:
- Before filing a claim
- After a partial or lowball payment
- After a denial
- During an appraisal dispute
- When the insurer is delaying action
- When the claim becomes overwhelming or stressful
The Bottom Line
Property damage can be life-disrupting. Your insurance company is not your advocate—but American Claims Ensurance Public Adjusters is.
We fight for you, protect your rights, and ensure that your claim is handled properly and paid fully.
Need Help With a Property Damage Claim?
Contact American Claims Ensurance Public Adjusters today to schedule a free claim consultation.
We proudly serve Pennsylvania, New Jersey, and the greater tri-state area.
Everyone’s responsibility at American Claims Ensurance is to take care of you, the homeowner or business owner. Dealing with the insurance company can be a time consuming, complicated and stressful process, and that is when an experienced and trusted American Ensurance public adjuster is needed.
Give American Claims Ensurance a call at 800-204-2463 or go to acepublicadjusters.com to find out how we can help you.