Inspection Process

Thorough Inspections. Timely Decisions. Defensible Results.

ACA's inspection process is designed to provide timely field response, thorough documentation, accurate damage assessment, and experienced review. From the initial contact with the insured through inspection, estimating, file review, and resolution, our team works to provide clients with the information they need to make informed claim decisions.

Adjuster Handling & Review

A Coordinated Approach to Every Inspection. ACA combines field investigation with experienced desk review to provide a comprehensive evaluation of each assigned claim.

01 — Initial Contact

Confirming the Facts of Loss

An ACA representative contacts the insured within 24 hours to confirm the circumstances surrounding the loss, gather initial information, and establish the appropriate next steps for the inspection.

02 — Field Inspection

Inspecting the Loss

Within 48 hours, a field adjuster is assigned to inspect the reported damage. During the inspection, the field adjuster: evaluates the reported loss, scopes the property damage, documents the condition of the property, captures photographs, identifies relevant damage, and prepares an estimate of the covered property damage

Where applicable, estimates are prepared using Xactimate or Symbility.

03 — Desk Review

Experienced Review Before a Claim Decision

Following the field inspection, the inspection report and supporting documentation are submitted to a desk adjuster for review. Each file is reviewed by an experienced ACA adjuster to evaluate: policy limits, applicable endorsements, deductibles, coverage considerations, documented damages, and supporting inspection findings

The desk review supports the determination of whether the claim should proceed toward payment or denial.

04 — Claim Resolution

From Review to Decision

Once the file has been reviewed in its entirety, ACA facilitates the appropriate claim resolution in accordance with the applicable policy terms and claim findings.

For covered losses, payment may be issued based on the approved scope and applicable policy provisions.

A settlement or denial letter is provided to the client within 7 business days following completion of the review process.

Inspection Process Cont’d.

  • Responsive When the Claim Changes

    Claim information can evolve after an initial inspection. When additional information or revisions are requested, ACA works to address those needs promptly.

    Same-Day File Revisions

    Requested file revisions are completed the same day they are received, helping minimize delays and keep the claim moving toward resolution.

    No Additional Fee for Missed Items

    When a field adjuster overlooks an item during the original inspection, ACA will complete the requested file revision without charging the client an additional fee.

  • More Than an Inspection

    ACA's inspection process is designed to deliver more than a report and estimate. Our team works to provide clients with accurate information, responsive communication, and a consistent experience throughout the claim. Every inspection is approached with attention to:

    • Accuracy: Thorough documentation and careful evaluation of the reported damage.

    • Timeliness: Defined response and review timelines designed to keep claims moving.

    • Experience: Experienced adjuster review of coverage considerations, policy provisions, and documented damages.

    • Communication: Clear communication with insureds, clients, and other parties throughout the process.

    • Accountability: Prompt handling of revisions and corrections when additional information is identified.

  • Protecting the Claim Experience. Supporting Your Brand.

    ACA handles each claim with care, professionalism, and security. Our goal is to provide an inspection and review process that adds measurable value to your organization while delivering a consistent experience to the insured.

    By combining responsive field service, experienced claims review, technology-enabled estimating, and disciplined file management, ACA helps clients move claims toward timely and appropriate resolution.

    Our role is not simply to inspect the damage. It is to provide the information, documentation, and experienced analysis necessary to support the next claim decision.