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 has nearly 16 years of experience in the insurance and storm restoration industry, including over four years working for insurance companies as an independent adjuster. He knows how insurers operate from the inside 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.
Licensed Throughout Texas
Based in Central Texas with offices in San Antonio and Round Rock, we serve clients statewide. Michael understands building codes, weather patterns, and regional insurance practices throughout Texas, with extensive experience in Austin, San Antonio, New Braunfels, and surrounding Central Texas communities.
Start Here If Your Insurance Claim Was Underpaid, Delayed, or Denied
If your insurance company’s estimate does not match the real cost of repair, Mike A The PA can review your claim, inspect the damage, compare the carrier estimate against the actual scope, and help you understand your next steps.
The First 48 Hours After Damage
What you do right after a storm, a fire, or a burst pipe shapes what your claim is worth.
- 1Make it safe, then stop the damage from spreading.Shut off the water, cover the roof, board up a broken window — if it is safe to do so. Keep it temporary. Do not start permanent repairs yet.
- 2Photograph everything before you clean up.Wide shots of every room, then close-ups, then a slow video walkthrough. Do this before anyone moves anything. This is the evidence the whole claim is built on, and it cannot be recreated later.
- 3Do not throw damaged property away.Ruined flooring, soaked drywall, a burned appliance — keep it, or at least keep photos, model numbers and serial numbers. Once it is at the curb, it is much harder to prove.
- 4Keep every receipt.Tarps, fans, an emergency plumber, a hotel room. What gets reimbursed depends on your policy — but without receipts the question never even gets asked.
- 5Report the claim in writing, and keep a record.Note the claim number, the date and time, and the name of every person you speak with. In Texas the clock starts when the insurer receives written notice of your claim.
- 6Know the deadlines Texas law puts on your insurer.Under the Texas Insurance Code your insurance company must acknowledge your claim within 15 days of receiving notice and begin its investigation, accept or reject it in writing within 15 business days after it receives everything it asked for, and pay an accepted claim within 5 business days of that notice. If it misses these deadlines, it can owe interest and your attorney’s fees on top of the claim.
- 7Get your own adjuster involved before their adjuster inspects.The adjuster the insurance company sends works for the insurance company. In Texas you have the right to hire your own licensed public adjuster to represent you instead. That first inspection sets the tone for the entire claim — it is far better to be there with your own documentation than to react to theirs afterwards.
Damage in the last 48 hours? Call Michael before the inspection — (210) 487-8802
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, 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, and theft.
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 respond immediately to document damage comprehensively and advise on necessary mitigation measures to protect your property and maximize your settlement.
Fire Damage Claims
We guide you through loss inventory, damage assessment, additional living expenses, and restoration estimates while you focus on recovery.
Contents & Inventory Services
Documenting and valuing damaged contents is often overlooked but critical for full compensation. We provide professional inventory assessments for any type of claim, whether minor roof damage or extensive fire and water losses. Our services are available as part of public adjuster representation or as independent consulting to property owners and contractors.
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.
What It Costs
Michael works on contingency. You pay nothing until your insurance company pays you.
- Free consultation.No obligation, no cost. Bring your policy and your photos.
- 10% of your settlement.That is the entire fee — no hourly billing, no inspection charge, no hidden costs.
- Nothing out of pocket while your claim is open.The fee comes out of the recovery, not out of your savings.
Everything is in writing before any work begins. You will know exactly what you are agreeing to.
Not sure if your claim is worth reviewing? The consultation costs you nothing — (210) 487-8802
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
- Round Rock, TX
- New Braunfels, TX
- San Marcos, TX
Extended Service Area
- Kerrville, TX
- Seguin, TX
- Boerne, TX
- Kyle, TX
- Buda, TX
- Georgetown, 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. Wherever you’re located in Texas, if your 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.