Category: Adjuster Information

The Value of Hiring a Public Adjuster for Insurance Settlement Optimization

There may be some confusion about how a licensed Public Adjuster is compensated and what to expect.

Throughout the process, your public adjuster should maintain a high level of communication. They should provide you with regular updates on the progress of your claim, including details of any communications with the insurance company, the status of negotiations, and any developments that may impact your claim. These actions ensure you are always informed and involved in the process.

Public adjusters are compensated through a commission fee, on average 10% (Though it could be higher or lower depending on the overall size of the claim. For more significant claims for over a million dollars, the public adjusters will take a slightly smaller %; more minor claims, if taken, might warrant a higher %); this fee is only paid after your insurance company issues checks. This fee structure ensures public adjusters are motivated to work diligently on your behalf to maximize your settlement within the bounds of your insurance coverage. Payment is contingent upon successful negotiation and advocacy for you, the policyholder, ensuring you receive the best possible outcome from your insurance claim.

By enlisting the services of a public adjuster, you’re making a strategic investment in expertise. Their thorough work not only ensures no coverage is overlooked but also plays a crucial role in maximizing your recovery. Public adjusters are dedicated to optimizing the compensation you receive, safeguarding against missed opportunities for coverage.

Choosing AJR Public Adjusters for your next claim means placing your trust in over 35 years of expertise and a commitment to excellence. With an A+ rating from the Better Business Bureau, our track record speaks for itself. We’re committed to advocating for you every step of the way, ensuring you receive the maximum settlement you deserve. Trust AJR Public Adjusters to protect your interests and navigate your insurance claim with integrity and excellence.

Proactive Tips for Property Insurance Claim Prevention

What are steps to take to help prevent a property insurance claim

Though this may seem counterproductive to our business here at AJR Public Adjusters, we like to provide helpful information. If we can give suggestions to help you protect your property from an insurance claim, that is a plus for everyone involved. We don’t like to see people dealing with the stress of an insurance claim; even when AJR Public Adjusters is the front line to the insurance company, there is still stress on the property owner that we can never alleviate.

Preventing property insurance claims often involves proactive measures to mitigate risks and maintain the safety and security of your property. Here are some steps you can take to prepare and prevent property insurance claims:

  1. Regular Maintenance: Ensure that your property undergoes regular maintenance checks. This includes inspecting the structural integrity, electrical systems, plumbing, and HVAC systems. Fix any issues promptly to prevent them from escalating into larger problems.
  2. Risk Assessment: Identify potential risks to your property such as fire hazards, water damage, theft, or natural disasters. Take steps to mitigate these risks, such as installing smoke detectors, fire extinguishers, security cameras, and alarm systems.
  3. Weatherproofing: Weather-related damage can be a significant risk to your property. Weatherproof your property by sealing windows and doors, reinforcing roofs, and clearing gutters and drains regularly to prevent water damage.
  4. Security Measures: Implement security measures to protect your property from theft and vandalism. This may include installing security alarms, motion-sensor lights, sturdy locks, and security cameras.
  5. Insurance Coverage Review: Regularly review your insurance policy to ensure that you have adequate coverage for your property. Consider additional coverage options for specific risks that may not be included in your standard policy. If you have any questions, please reach out to AJR Public Adjusters at 602-795-5227. We can tell you what we suggest from a claim perspective.
  6. Documentation: Keep thorough records of your property, including photos, receipts, and documentation of valuable items. This will be helpful in the event of a claim, providing evidence of the property’s condition and the value of any lost or damaged items. AJR Public Adjusters uses this information to help document & price your claim for reimbursement.
  7. Emergency Preparedness Plan: Develop an emergency preparedness plan outlining procedures to follow during a disaster or emergency. Make sure all occupants of the property are familiar with the plan and know what to do in case of an emergency. If a claim should occur, your first call to AJR Public Adjusters will help begin the process. We will help you report the claim and get started immediately with our team to help mitigate your damages and secure an estimate to negotiate for settlement.
  8. Training and Education: Educate yourself and others who occupy the property about safety procedures and best practices for preventing accidents and injuries. This may include fire safety training, first aid training, and awareness of potential hazards.
  9. Regular Inspections: Conduct regular inspections of your property to identify any potential hazards or maintenance issues. Addressing problems early can help prevent them from causing more significant damage later on.
  10. Communication with Insurance Provider: Maintain open communication with your insurance provider. Inform them of any changes to your property or occupancy that may affect your insurance coverage.

By taking these proactive measures, you can help minimize the likelihood of property insurance claims and protect your property from damage or loss.

Even after taking the steps above, if your property suffers a property insurance claim, be sure to have AJR Public Adjusters, telephone number 602-795-5227, handy to call us first to let us help you report your claim and begin the recovery process.

Maximizing Insurance Claim Readiness: Expert Strategies and Advice

We can never be fully prepared for an insurance claim, but here are a few steps you can take to help in advance before a claim occurs and you need to call AJR Public Adjusters for assistance.

Here are some steps you can take:

  1. Review Your Policy: Understand what your insurance policy covers and any exclusions or limitations it may have. This knowledge will help you make informed decisions.   If you have questions and still don’t understand, we can help you understand coverages as we begin to file the claim on your behalf.
  2. Maintain Detailed Records: Keep records of your possessions, including receipts, photographs, and appraisals. Documenting your belongings will make it easier to prove ownership and value in the event of a claim.  AJR Public Adjusters will take inventory of your items, help document them, and then price them for reimbursement.
  3. Regularly Update Your Policy: Review your insurance policy annually and update it as needed to reflect any changes in your circumstances or assets. This ensures that you have adequate coverage and reduces the risk of being underinsured.
  4. Consider Additional Coverage: Evaluate whether you need additional coverage beyond your basic policy. Depending on your location and individual needs, this could include options such as flood insurance, earthquake insurance, or umbrella liability coverage.
  5. Create a Home Inventory: Compile a detailed inventory of your home’s contents, including descriptions, serial numbers, and purchase dates. Store this inventory in a safe place, such as a cloud-based storage system, so you can access it easily in case of a claim and share with AJR Public Adjusters to assist us in properly documenting your items for reimbursement.
  6. Document Your Property: Take photographs or videos of your property, both inside and out. Focus on high-value items, structural features, and any recent upgrades or renovations. Update these records periodically to reflect changes to your property.  These photographs will assist AJR Public Adjusters when filing/proving to the insurance company items you had on your property.
  7. Maintain Maintenance Records: Keep records of any maintenance or repairs performed on your property. This includes routine maintenance such as HVAC servicing, plumbing inspections, and roof repairs. Good maintenance can help prevent damage and strengthen your claim if damage does occur.
  8. Know Your Deductible: Understand your insurance policy’s deductible and ensure you have funds set aside to cover it in case of a claim. Consider whether you can afford to increase your deductible to lower your premium costs.  
  9. Have Emergency Contacts Handy: Keep a list of important contacts, including your insurance agent or company and your local Public Adjuster, AJR Public Adjusters (602-795-5227). AJR should be your first call, and we can help you report the claim to your agent or company, expedite the claims process, and get assistance quickly in an emergency.
  10. Review Your Coverage Limits: Periodically review your policy’s coverage limits to ensure they are sufficient to protect your assets. Consider whether any major purchases or lifestyle changes warrant adjustments to your coverage limits.

Taking these proactive steps can help you be better prepared for an insurance claim and minimize stress and uncertainty if the unexpected happens.

AJR Public Adjusters — 602-795-5227

Key Steps when Seeking Help from a Public Adjuster for Property Insurance Loss

When your property is damaged from a covered insurance claim, seeking help from a public adjuster for a property insurance loss involves a few key steps:

  1. Research and Selection: Start by researching reputable public adjusters in your area. A great place to start is the Better Business Bureau. These reviews are from actual clients of the business, unlike GOOGLE/YELP, where anyone can leave a review. Look for those with experience handling cases similar to yours and with positive reviews or recommendations from past clients.
  2. Initial Consultation: Contact the public adjusters you’re interested in and schedule an initial consultation. During this conversation, they’ll assess your situation, review your insurance policy, and discuss the fee structure and the services they offer.
  3. Documentation: Gather all relevant documentation related to your insurance claim, including your policy details, photographs or videos of the damage, estimates for repairs or replacements, and any correspondence with your insurance company. At AJR Public Adjusters, we will request this information after receiving your initial phone call. We then review and assess if our involvement will assist with your recovery. If we feel our assistance can further your claim in a positive direction while making it worth your time/money, we will set up a meeting to finalize our engagement.
  4. Engagement: If you decide to proceed, you must sign a contract outlining the terms of the agreement, including the fee arrangement. Make sure you understand all aspects of the contract before signing.
  5. Claim Handling: Once engaged, the public adjuster will handle the entire claims process on your behalf. This includes preparing and submitting the claim, negotiating with the insurance company, and advocating for your best interests to ensure you receive fair compensation for your loss.
  6. Communication: Stay in regular communication with your public adjuster throughout the process. They should keep you updated on the progress of your claim and any developments that arise. At AJR, we pride ourselves on our constant communication with our clients. Always available to answer questions and provide current information regarding the claim. We have actually had clients in the past requesting less communication; after seeing the thorough job AJR provides, they didn’t want to know every small detail, just wanting to be involved in the large decisions and reap the benefits of our engagement with the final settlement.
  7. Resolution: The goal is to reach a favorable resolution to your claim.

Remember, it’s essential to choose a reputable and experienced public adjuster who will work diligently to maximize your insurance claim settlement while minimizing your stress and hassle during the process.

AJR Public Adjusters have the experience of representing clients for over 35 years. With your next claim, give us a call first to speak with us personally about your claim.

We look forwad to hearing from you.

602-795-5227 – AJR Public Adjuster Website

When faced with an insurance loss, why you should hire a licensed Public Adjuster

When faced with the stress and complexity of an insurance claim, it’s worth considering the relief that a Public Adjuster can bring. Insurance claims can be incredibly stressful, and navigating the claims process can feel overwhelming at times.

Some advantages of enlisting a licensed Public Insurance Adjuster are:

Public Adjusters are professionals who specialize in managing insurance claims on behalf of policyholders.  Specifically, AJR Public Adjusters LLC understands the intricacies of insurance policies, having practiced in this field for over 35+ years.  This expertise ensures you receive the maximum compensation you are entitled to under your policy.

    • AJR works exclusively for you, the policyholder, unlike insurance company adjusters, who solely represent the insurer’s interests. AJR is laser-focused on ensuring your claim is handled fairly and that you receive the compensation you deserve.
    • Proper documentation is crucial when filing an insurance claim. AJR, with over 35+ years of experience, is skilled at documenting the extent of your loss comprehensively and accurately, including damage assessment and providing an inventory of lost or damaged items with a price to replace. This accurate documentation strengthens your claim and helps provide accurate information to the insurance company regarding the value of your loss.
    • Insurance companies often try to minimize payouts or deny claims altogether. AJR, with our 35+ years of experience, are adept negotiators who understand insurers’ tactics and can effectively negotiate on your behalf to ensure you receive a fair settlement. We aim to maximize your settlement and expedite the claim process, relieving you of the stress of dealing with insurance company bureaucracy.
    • Following up on an insurance loss can be time-consuming and emotionally draining. Hiring AJR Public Adjusters will free you from the hassle of managing the claims process yourself, which you are not a professional at. This allows you to refocus your energy on rebuilding your life or business. We handle all aspects of the claim from initial filing to final settlement, saving you the time, stress, and frustration of dealing with your insurance company.

    The biggest takeaway is that by hiring AJR Public Adjusters, you are leveling the playing field between you and the professional insurance adjusters who work for the insurance company. We ensure your interests are protected, and you will receive the full compensation you are entitled to under your policy.

    Our expertise, advocacy, and dedication to your claim can significantly affect its outcome for the positive.

    Please view our A+ testimonials on the Better Business Bureau of the Pacific Southwest for further confirmation of AJR Public Adjusters record.

    View our website www.publicadjusteraz.com

    You can reach us at 602-795-5227

    info@ajrpa.com

    AJR once again appears as the Top Search on GOOGLE

    🎉 Exciting News Alert! 🎉

    We are thrilled to announce that AJR Public Adjuster LLC has been listed again by GOOGLE as the Top Public Adjuster in Arizona! 🏆✨

    This recognition is a testament to our unwavering commitment to providing exceptional service and support to our clients. We are deeply grateful for the trust and confidence our clients have placed in us.

    At AJR Public Adjusters LLC, we take great pride in advocating for our clients and ensuring they receive the maximum compensation they deserve. This achievement wouldn’t have been possible without the dedication and hard work of our incredible team.

    To all our clients, thank you for choosing us as your trusted partner in navigating the complexities of insurance claims. We are truly honored to serve you.

    With your next insurance claim, all AJR first to let us explain how we can assist you with your property claim.

    AJR Public Adjuster LLC Website

    #TopPublicAdjuster #Excellence #ClientSatisfaction #InsuranceClaims #Gratitude

    Testimonial Spotlight: Rave Reviews for AJR Public Adjuster’s Exceptional Services!

    Metrics, milestones, and profits often measure business success. Yet, there’s something profoundly impactful that transcends the numbers: genuine appreciation.

    Recently, AJR Public Adjusters experienced firsthand the significance of this when a client expressed gratitude in the form of a thoughtful gift for a job well done.

    With the gift we received, in the envelope were these FOREVER STAMPS, acknowledging first responders. Though our job is not as a first responder, the fact that this client was appreciative of AJR jumping on the scene immediately while they were out of town to assess the situation for them means the world to us. We are so glad our involvement was a positive experience for this insured.

    Here is a photo of Stacy & Bruce Horowitz from March 2023 after the fire and from April 2024 after the client has returned to their beautiful home.

    Why should I hire a public adjuster?

    When your property experiences an insurance claim, you may wonder if it is helpful to hire a public adjuster.

    Public Adjusters evaluate your loss and determine the maximum amount you can claim for reimbursement. They will present your insurance claim to the company and negotiate a favorable outcome on your behalf. One of the benefits of this profession is that it allows them to use their knowledge of insurance policy and experience.

    You want to confirm experience and knowledge and review testimonials to see what others say about the firm you are considering hiring.

    With your next insurance claim, contact Arizona’s Better Business Bureau A+ rated public insurance adjuster AJR Public Adjusters, 602-795-5227

    Here is an excerpt from a CNBC article that discusses the benefits of public adjustment for policyholders.

    https://cnb.cx/3TYkeeu

    Nominee for 2024 BBB Torch Awards for Ethics

    AJR has again been nominated for the Better Business Bureau of the Pacific SW Torch Awards for Ethics.

    There is no higher honor than having your commitment to clients recognized for your integrity, honesty, and hard work.

    Every day, we work to ensure our clients receive the customer service they deserve while settling their claims with the insurance company with a maximum settlement.

    With your subsequent property insurance claim, give us a call at 602-795-5227 to see firsthand why we have been nominated for this award year after year.

    http://www.publicadjusteraz.com

    Top Ranked YELP Public Adjuster – February 2024

    AJR Public Adjusters was honored AGAIN to be ranked as the TOP YELP Public Adjuster in Phoenix, Arizona.

    If you suffer a property insurance claim, give us a call. We will evaluate your loss and guide you with the steps to take to ensure maximum recovery from your loss.

    We can be reached at 602-795-5227.
    claims@ajrpa.com