Don’t Face Your Insurance Company Alone: Why Public Adjusters Matter
They Have an Adjuster Working Against You. Get One Working For You.
Insurance companies employ adjusters to protect their profits, not your interests. Their goal is to pay less and close claims fast. Without professional representation, you risk:
- Underpaid settlements that don’t cover full repair costs
- Denied claims from incomplete documentation
- Overwhelming paperwork and confusing jargon
- Months of delays negotiating alone
A public adjuster levels the playing field. Michael Acerra works solely for you, documenting your loss, preparing detailed estimates, and negotiating aggressively for the maximum settlement your policy allows.
The Michael Acerra Advantage
Industry Insider Knowledge
Michael worked as an insurance adjuster for over four years. He knows how insurers operate and how to counter their tactics.
Dual Expertise
Licensed as both a public adjuster and residential/commercial contractor, Michael brings unique insight into construction costs, repairs, and damage assessment. Though Texas law prevents him from wearing both hats on your claim, his contractor experience means he knows exactly what repairs should cost and how to identify all damage.
Advanced Certifications
Xactimate Level 2 Certified, All Lines Adjuster License, GAF Certified Contractor, and Owens Corning Preferred Contractor.
MBA-Level Strategy
With his MBA from Our Lady of the Lake University, Michael brings strategic thinking and professional negotiation to every claim.
Deep Local Knowledge
Based in San Antonio with deep roots throughout Austin, New Braunfels, and surrounding areas.
Our Public Adjuster Services in Austin, San Antonio & Central Texas
Commercial Claims
Business interruptions cost money daily. We handle property damage from storms, fire, or water, business interruption and loss of income, liability claims, and theft or vandalism. Michael expedites settlements while maximizing recovery.
Residential Claims
When your home is damaged, you deserve full compensation. We assist with hail and wind damage, fire and smoke damage, water damage and flooding, roof and structural issues, lightning, theft, and liability claims.
Underpaid & Denied Claims
Received a lowball offer or denial? We reopen and renegotiate claims that were unfairly denied, underpaid, or closed prematurely. We often recover substantial additional compensation.
Storm Damage Claims
Central Texas faces severe weather regularly. We provide emergency services for hail, wind, tornado, flood, and tree damage. We conduct rapid assessments and file claims before evidence deteriorates.
Fire Damage Claims
We guide you through loss inventory, damage assessment, additional living expenses, and restoration estimates while you focus on recovery.
How We Get the Most Out of Your Claims
Free Claim Consultation
Your first consultation is completely free with no obligation. We’ll review your policy, discuss the damage, and explain how we can help you make an informed decision. Bring your insurance policy, correspondence from your insurer, damage photos, and any estimates received.
Comprehensive Property Damage Assessment
Our team personally inspects your property, documenting every detail with professional photography, notes, and measurements. Unlike insurance adjusters who rush through inspections, we identify all damage, including hidden issues like water intrusion, structural problems, or code violations.
Detailed Claim Preparation & Documentation
We prepare comprehensive damage estimates with itemized costs and compile all necessary documentation, including professional damage assessment reports, repair and replacement cost estimates, supporting photographs and evidence, policy coverage analysis, and contractor bids and comparisons.
Aggressive Professional Negotiation
Michael communicates directly with your insurance adjuster, removing you from stressful negotiations. He challenges lowball offers, disputes denials, and advocates persistently for your full settlement. You stay informed throughout the entire process.
Settlement & Final Support
Once approved, Michael ensures you understand the settlement terms, payment schedule, and conditions. We help you navigate replacement cost value (RCV) vs. actual cash value (ACV) payments, depreciation holdback releases, mortgage company endorsements, and final claim closeout.
Areas We Serve Throughout Central Texas
Michael Acerra’s public adjuster services are available throughout the San Antonio and Austin metro areas.
Primary Service Areas
- San Antonio, TX
- Austin, TX
- New Braunfels, TX
- San Marcos, TX
- Kerrville, TX
- Fredericksburg, TX
Extended Service Area
- Seguin, TX
- Boerne, TX
- Kyle, TX
- Buda, TX
- Georgetown, TX
- Round Rock, TX
Serving all of Central Texas: Contact us to confirm availability for your area. We’re committed to helping property owners throughout Central Texas receive fair insurance settlements.
Five-Star Experiences
“I found Mike Acerra online, and after reading the reviews, I called immediately. He listened to my concerns and promptly provided me with all the help I needed. Mike was personable, professional, and patient. I sincerely appreciate Mike’s help and highly recommend him if you are looking for a public adjuster!”
— Amanda
“This guy knows his stuff! Insurance tried to deny us getting our roof fixed and Mike MADE them cover damages. He went above and beyond to help us out. Extremely dependable, and extremely professional about everything. Explained everything every step of the way. If I could give more stars, I honestly would.”
— R.C.
“Mike knows his stuff, is very responsive, and was a huge help with a recent home claim of ours. The insurance world is a murky one, and Mike is a guiding light.”
— Phil O.
“As an owner of a roofing company, I often experience the necessity of a valued, reputable, and accredited public adjuster to aid in the rightful compensations of my customers storm damage insurance claims. Mike is my go to; there’s always new knowledge to gain from this professional!”
— Dee D.
“Mike was very professional and friendly. Answered all questions right away. He questioned the insurance company about things I had no idea I should had questioned. Absolutely recommend Mike Acerra Adjusters!”
— Leroy H.
Get Your Free Insurance Claim Review Today
Don’t let your insurance company shortchange you. If your Austin or San Antonio property has been damaged, you deserve professional representation to ensure fair compensation.
Time is critical. The sooner you involve a public adjuster, the better your chances of maximizing your settlement.
Let Michael Acerra fight for the compensation you deserve.