We Are Here for Your Best Interests...
Insurance companies can be interesting at times to deal with. They cannot pay out every claim willingly without pushing back. That is a fundamental of business and insurance is a business. Insurance firms often employ inventive strategies to minimize your claim, despite your rightful entitlement. As a property or business owner, you deserve to receive the full extent of what is owed to you—nothing less.
The journey is arduous and protracted. Securing a loyal ally that is representing your interests, and not those of insurance company will provide peace of mind, allowing for restful nights. Acorn and Associates is committed to ensuring equitable treatment and restoring your losses in full. We pledge our support from inception to completion.
We stand at your side and are there to see you are fully indemnified.
Contact Acorn and Associates Public Adjusters Now!
Reach out to Acorn Adjusters for professional guidance on insurance claims. We provide assistance in managing your claim to ensure you get the settlement you're entitled to.
Our Pledge
We are here to Help.
Our aim is to restore our clients' lives to wholeness and secure the compensation you rightfully deserve.
We stand with you at every step, ensuring you never feel alone.
Allowing your insurance company to assess the value of your claim may not align with your best interests. Acorn and Associates represents policyholders' interests to ensure that the compensation accurately reflects the damage incurred, and not which the insurance company tries to make you settle for. In essence, during times of crisis, Acorn advocates on your behalf to secure the maximum settlement you are entitled to under your policy.
Services
A Public Adjuster handles the negotiation and presentation of your claim to the insurance company. Your claim must encompass a "Rock-Solid" Proof of Loss submission package, which serves as the cornerstone of your claim and forms the foundation of the dispute with the insurance company. It is imperative that everything is presented properly.
Fire and Smoke Damage Claims
Surviving a fire is an intense ordeal, filled with uncertainty and a whirlwind of emotions. Family members who have endured the loss of their homes to fire deeply understand the profound devastation, and we understand. From the beginning, we are committed to providing support, ensuring that your family secures temporary housing swiftly. We will collaborate with ALE to locate suitable temporary accommodations and ensure your needs are promptly met. Acorn will handle all interactions, confirmations, and discussions with the insurance company throughout the inventory of contents and structural evaluation stages. This detailed process demands skilled management and oversight to secure the compensation you are entitled to. Acorn pledges to advocate for your interests during this complex process, affording you the ability to focus on what is truly essential, with the assurance of safety and peace of mind.
Wind Events, Storm Damage and Hail Claims
Wind damage can strike residences or businesses unexpectedly and with little warning. While the approach of large tropical storms and hurricanes can be planned for, tornadoes and other major weather anomalies can occur suddenly, bringing high winds and intense rainfall with little to no warning. After such damage, it can be difficult to focus on documenting the destruction and ensuring that the insurance adjuster accurately records your losses. A common challenge in windstorm claims is the unseen damage. While surface-level leaks and wall damage are apparent, it's the unseen areas that require the most attention for identifying and documenting damage. Public Adjusters are skilled in detecting hidden damage to materials like drywall, insulation, wiring, and potential concealed water damage that may compromise the structural integrity of a property.
Flood and Water Damage Claims
Flood damage can range from severe, such as destroyed homes, businesses, and vehicles, to more subtle issues like mold growth and property damage due to concealed standing water. Significant damages are obvious, but many homeowners and business owners may neglect the minor effects when filing a claim, or they might not realize a claim is necessary. A public adjuster has the expertise to identify both the clear and hidden consequences of flooding, including problems that emerge after the area has dried. Flood insurance is designed to protect against financial loss after an unforeseen and potentially catastrophic event; Acorn and Associates will do our best to see you are fully compensated for all your losses.
Mold Claims
Insurance companies most often get creative when dealing with mold claims. It is common practice to twist policy exclusions in the homeowner's policy and deny the claim based on these policy exclusions. Acorn is committed to challenging such rejections. Mold damage is commonly a result of weather-related incidents like storms or burst pipes and can also develop in consistently moist environments. It causes considerable damage to walls, ceilings, and personal items. Mold exposure can lead to severe health issues, including headaches, dizziness, respiratory problems, and skin conditions. Insurance adjusters typically underestimate mold damage, addressing only the surface level. A public adjuster will thoroughly assess all damage, even that which isn't immediately visible, to ensure complete compensation for your losses.
Vandalism Claims
Business disruption on account of vandalism can be frustrating. The costs can quickly add up, considering the labor for cleanup and repairs, as well as the price of replacing damaged materials. For business proprietors, significant damage may result in a business interruption claim. Delays in settling these claims can extend the period of business disruption caused by vandalism. A Public Adjuster will work with you to ensure just compensation for your immediate costs and any resulting loss of business revenue.
Roof Damage Claims
The roof is the most exposed part of a house, constantly subjected to wear and tear. As time passes, it withstands the brunt of the elements, protecting your home. Various factors can weaken your roof's integrity, leading to water and weather damage inside your home. Taking immediate action when a leak is detected is vital to prevent further damage. Swiftly tarping the affected area is not only crucial for protection but also a requirement of the Homeowners Policy. Hiring a Public Adjuster early on can assist in avoiding complications that may limit or invalidate your claim.
Frequently Asked Questions
What primary services do you offer?
Claim assistance and management related to fire, smoke, property, water, wind, and hurricane damage, as well as commercial property damage.
Can I handle my own claim?
It is your responsibility to substantiate every aspect of your claim. The presentation of your claim, along with the necessary supporting evidence, can be daunting. A competent public adjuster possesses the expertise to decipher the policy, submit the claim and accompanying documents punctually and in the correct format, negotiate effectively, and ensure the progression of the claim. A single misstep will cause delays and, in some cases, result in denial of your claim.
How long will the process take?
Each situation is unique, and regrettably, we cannot standardize the time required. However, we can guide you through the process and, once we have a clear understanding of your specific circumstances, provide you with a more accurate estimate of the expected timeline. Our objective is to settle your claim within 90 days, and we will do our best to do so.
Am I doing anything wrong hiring a Public Adjuster?
Not at all. Using a Public Adjuster on your claim compels the insurance company to adhere to the policy they sold you. The insurance company's adjuster will value the professionalism and the orderly submission of documentation, and your claim will be settled quicker and with better results than if not. Public Adjusters are just insurance adjusters that represent your interest's vs representing the insurance company. Shouldn't you have your own adjuster? The insurance company has an army of them.
What are your fees?
We apply the industry-standard pricing of a 10% fee on the claim awarded by the insurance company. For larger claims, fees are negotiable. The state sets these fees.
Contact Form
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Contact Acorn and Associates Public Adjusters Now!
Reach out to Acorn Adjusters for professional guidance on insurance claims. We provide assistance in managing your claim to ensure you get the settlement you're entitled to.