Cedar Park · Williamson County · Central Texas
Public adjuster in Cedar Park, Texas
Your insurance company already has an adjuster working the claim. Michael Acerra works only for you — documenting the damage, reading the policy line by line, and negotiating the settlement you are actually owed.
No cost, no obligation, no upfront fees. Se habla español.
Why Cedar Park claims get underpaid
A lot of Cedar Park was built in the same couple of decades, which means a lot of roofs reach the end of their service life at roughly the same time. That is convenient for carriers: when a storm hits a twenty-year-old roof, the easiest position is that the roof was finished anyway.
Sometimes that is true. Often it is not, and the difference is measurable — bruising in the mat, fresh granule loss, dented soft metals and broken seals all look different from ordinary ageing when someone photographs them properly.
The other Cedar Park pattern is wind. Shingles that lift and reseal leave almost no evidence from the ground, and the leak that follows shows up months later, by which point the carrier is calling it maintenance.
It is worth a call if any of this sounds familiar
- The settlement offer will not cover the contractor bids you have in hand.
- Your claim was denied and you were not given a clear reason from the policy.
- The inspection took fifteen minutes and nobody went in the attic.
- Damage was written off as wear and tear, or as pre-existing.
- You have been waiting weeks for a response and the file keeps changing hands.
- You have not filed yet and you want the damage documented properly before you do.
Claims handled in Cedar Park
Hail and storm damage
Roof, gutters, screens, HVAC and soft metals documented to the standard carriers accept.
Roof damage
Wind-lifted and creased shingles, and the question of repair versus full replacement.
Water damage
Supply line breaks, slab leaks, appliance failures, and the hidden damage behind them.
Fire and smoke
Structure, contents and the smoke damage that spreads far past the burned room.
Denied and underpaid claims
A second look at the file, the policy language, and what was actually owed.
Commercial property
Retail, office and multi-family losses, including business interruption exposure.
How the claim runs
- Free claim review. You describe what happened. Michael tells you honestly whether a public adjuster changes the outcome.
- On-site inspection. Roof, attic, interior, contents — photographed and measured, not glanced at.
- Documentation. A line-item Xactimate estimate built the same way the carrier builds theirs.
- Negotiation. Michael deals with the carrier so you are not the one arguing scope on the phone.
- Settlement. You see what was recovered and why, in plain language.
Who you are actually hiring
Texas Licensed Public Adjuster #2358069 · Licensed residential contractor · Xactimate certified · CPPA, NAPIA · MBA · BBB accredited, A+ · 16+ years in insurance and construction
A public adjuster is not an insurance agent and does not work for the carrier. Michael represents the policyholder only.
Questions Cedar Park homeowners ask
What does a public adjuster cost?
Nothing upfront. A public adjuster in Texas is paid a percentage of the settlement, agreed in writing before any work starts. If you get the review and decide not to move forward, you owe nothing.
Can I still call if the claim is already denied?
Yes, and it is one of the most common reasons people call. A denial is a position, not a verdict. What matters is what the policy says and what the file shows.
Do you actually come out to Cedar Park?
Yes. Cedar Park, Leander, Round Rock, Georgetown, Austin and Pflugerville are all part of the regular Central Texas service area, alongside San Antonio.
How soon can someone look at it?
Usually within a few days, and sooner for active water losses where the evidence disappears once mitigation starts.
One call is where it starts
Tell us what happened. You will get a straight answer about whether the claim is worth pursuing — even if the answer is no.