AJR Public Adjusters – AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona

Public Adjusters in Arizona |AJR Public Adjusters | A+ BBB Rated

When disaster strikes, it rarely sends a warning. One day your home or business is safe. The next, a fire, flood, storm, or other loss leaves you with costly damage and more questions than answers. The first call many people make is to their insurance company. But here’s the hard truth: insurance companies are businesses with their own bottom line, and their adjusters work for them — not you.

That’s where a public adjuster comes in. A public adjuster is a licensed professional who represents you, the policyholder, throughout the insurance claims process. Instead of relying on the insurance company’s word, you have an experienced advocate working to make sure your damage is fully documented, deadlines are met, and the settlement you receive is fair.

What Does a Public Adjuster Do?

Most homeowners and business owners have never filed a large property claim before. Insurance policies are packed with complex language, strict requirements, and short timelines. Missing a detail can mean losing thousands of dollars.

A public adjuster takes that weight off your shoulders. Here’s how:

Policy review: They read and interpret the fine print to determine exactly what your coverage includes.
Damage inspection: They carefully document every aspect of your loss — structural damage, contents, and even hidden issues like water intrusion or smoke residue.
Claim preparation: They organize evidence, photos, estimates, and reports into a claim package that the insurance company can’t easily deny.
Negotiation: They communicate with the insurance company’s adjusters and make sure your claim isn’t undervalued or delayed.
Settlement support: They guide you through final payments, ensuring the insurance company follows through.

The result? You don’t have to fight the insurance company alone, and you’re far less likely to miss out on money you’re entitled to.

Why Insurance Companies Don’t Tell You About Public Adjusters

Insurance companies have teams of adjusters and lawyers protecting their interests. Their job is to settle claims quickly and at the lowest possible cost. They aren’t going to recommend that you bring in your own professional to review or challenge their decisions.

But Arizona law gives you the right to hire a public insurance adjuster. This is your safeguard against denied or underpaid claims. Public adjusters work only for the policyholder, not the insurance company. Their success is tied to yours: they only get paid if you receive a settlement.

Real-World Scenarios Where a Public Adjuster Helps

Think about some of the common losses Arizona homeowners face:

Monsoon storm damage: Heavy winds and rain tear off roofing and cause water leaks inside.
Fire damage: Even a small kitchen fire can cause smoke and soot damage throughout the house.
Water damage: Burst pipes, appliance leaks, or slab leaks often lead to hidden mold and costly repairs.
Hail damage: Roofs, siding, and windows can be compromised, but insurers often try to pay for only “spot repairs.”
Theft or vandalism: Personal property and structural damage both need detailed documentation.

In all these cases, an insurance company’s adjuster may try to minimize the payout, but a public adjuster—whether you’re in Phoenix, Scottsdale, or elsewhere in Arizona—ensures every detail is thoroughly documented and accurately valued.

Common Misconceptions About Public Adjusters

“Public adjusters inflate claims.”
Licensed public adjusters are regulated by the Arizona Department of Insurance. Their role is to present legitimate, well-documented claims — not inflate numbers.

“Public adjusters are expensive.”
Public adjusters work on a contingency fee, meaning they only get paid if you receive a settlement. The fee is a percentage of the recovery, and for many policyholders, the increased payout more than covers the cost.

“I can handle my claim myself.”
You can, but most people underestimate the complexity of the process. Deadlines, paperwork, and technical details can derail a claim quickly. Having a professional in your corner greatly reduces that risk.

The AJR Public Adjusters Difference

At AJR Public Adjusters, we’ve spent over 37 years helping policyholders across Arizona get the settlements they deserve. We’ve built our reputation on:

Ethics and transparency: We’re proud of our A+ BBB rating and dozens of client testimonials that reflect our commitment.
Local experience: We know the challenges Arizona weather brings — monsoons, haboobs, hail, and more.
Personal service: When you call AJR, you work directly with Bruce and Stacy, not a junior adjuster or out-of-state firm.
Proven results: We’ve recovered millions of dollars for homeowners and business owners who would have otherwise accepted underpaid claims.

Unlike “storm chasers” who flood into Arizona after big weather events, AJR is a local firm with deep community roots. Our goal isn’t a quick payout — it’s to stand by our neighbors when they need help most.

Why Public Adjusting Matters for Everyone

Public adjusting isn’t just for major disasters or complex losses. Even small claims can be underpaid if details are missed. Every policyholder deserves the peace of mind that comes from knowing their claim is being handled correctly.

When you hire a public adjuster, you’re choosing to level the playing field. You’re telling the insurance company that your claim deserves respect and full attention. And you’re reducing your own stress by letting a professional handle the details.

Call to Action

If you’re facing property damage in Phoenix, Scottsdale, Glendale, Mesa, Chandler, or anywhere in Arizona, don’t go through the insurance process alone. Call AJR Public Adjusters first.

📞 602-795-5227
🌐 publicadjusteraz.com

We’ll review your situation, explain your options, and show you exactly how we can help. With AJR Public Adjusters on your side, you’ll have confidence knowing your claim is handled ethically, thoroughly, and with your best interests at heart.

Don’t leave money on the table. Contact AJR Public Adjusters today and let us fight for the settlement you deserve.

Why Policyholders Need Protection: Key Takeaways from the Senate Hearing on Insurance Claim Practices

Last week’s hearing on Capitol Hill, titled “Examining the Insurance Industry’s Claims Practices Following Recent Natural Disasters,” highlighted a serious issue. An issue that is finally receiving the long-overdue attention it deserves and affects homeowners nationwide. As storms and disasters become more frequent and severe, too many policyholders find themselves underpaid. They experience delays or are denied by their insurance carriers. This happens when they need help the most.

The public deserves better. Transparency, accountability, and fair treatment should not be optional. Policyholders have the right from the very beginning to seek guidance and protection by hiring a licensed public adjuster.

That’s exactly why AJR Public Adjusters exists. We work solely for the insured—not the insurance company. Our goal is to level the playing field. We want to ensure the claim process is clear and fair. We also aim to help our clients avoid the all-too-common frustrations highlighted during this hearing.

If you’re dealing with property damage or simply want to understand your rights, we’re here to help. We will help you every step of the way.

Click on the link above to access the hearing for anyone who would like to learn more.

#InsuranceClaims #PublicAdjuster #NaturalDisasterRecovery #PolicyholderRights #TransparencyMatters #AJRPublicAdjusters #ArizonaBusiness #ClientAdvocacy #StormDamage #FairClaimsProcess

Expert Public Adjusters in Arizona: Get Maximum Claim Compensation

AJR Public Adjusters, LLC is a trusted and experienced public adjusting firm based in Phoenix, Arizona, dedicated to representing policyholders—not insurance companies—in property insurance claims. With over 35 years of industry expertise, AJR specializes in managing a wide range of property loss claims, including fire, water damage, theft, hail, monsoon, and hurricane-related damages .

Founded by Bruce L. Horowitz, a seasoned public adjuster with a legacy in the field, AJR Public Adjusters is committed to providing personalized and attentive service to clients throughout Arizona . The firm offers comprehensive claim handling services, from initial damage assessment and policy review to detailed documentation and negotiation with insurance companies, ensuring clients receive fair and maximum compensation for their losses.

AJR Public Adjusters holds an A+ rating from the Better Business Bureau and is a proud member of the Rocky Mountain Association of Public Adjusters (RMAPIA) and also the National Association of Public Insurance Adjusters (NAPIA), always adhering to the highest standards of ethics and professionalism in the industry .

For property owners facing the challenges of insurance claims, AJR Public Adjusters stands as a reliable advocate, offering expert guidance and dedicated representation to navigate the complexities of the claims process

Get Professional Insurance Claim Help Before It’s Too Late

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The Story of the Unseen Pitfalls:

It was a stormy night when Sarah’s home suffered significant damage. The winds were fierce; by morning, part of her roof had collapsed, her living room flooded, and several of her belongings were ruined. Devastated, she immediately called her insurance company to start the claims process. Confident that the process would be straightforward — after all, she’d paid her premiums for years, and the policy was supposed to cover this kind of damage — Sarah didn’t hesitate to make the call.

However, Sarah didn’t know that this initial contact with the insurance company was a critical moment in the claims process. She should have contacted the local NAPIA firm AJR Public Adjusters immediately before contacting her insurance company to ensure her interests were fully represented. By contacting the licensed local Arizona AJR Public Adjusters immediately, Sarah could have ensured that her damages were accurately documented, the full scope of loss was assessed, and the insurance company wouldn’t undervalue her claim.

The insurance company promptly sent an adjuster to assess the situation. Sarah explained everything: the roof, the water damage, and the items she’d lost. The adjuster seemed sympathetic, but his appraisal was quick and far less generous than Sarah expected. When the check arrived, it barely covered the cost of repairs, let alone replacing her valuable belongings or addressing the full extent of the damage.

Feeling frustrated but not knowing what else to do, Sarah accepted the settlement and started the repairs herself. However, as she began to fix the roof, she noticed more issues—structural damage that the insurance adjuster had missed. It quickly became apparent that she couldn’t restore her home to its previous condition without spending more than the settlement had provided.

A few months later, Sarah spoke to a friend, Jake, who had gone through a similar experience. He mentioned how he’d hired a public adjuster when his home was damaged in a fire. Jake explained that the public adjuster had fought for a fair claim, found hidden damages, and ultimately helped him secure a settlement covering all his repairs and losses.

It was then that Sarah realized the mistake she had made. By not hiring a licensed public adjuster right away, she had allowed the insurance company’s adjuster — who worked for them, not her — to determine what was fair. She hadn’t known her rights or the full extent of the damages. A public adjuster could have advocated for her and ensured the damage was thoroughly documented and assessed.

A Lesson That Applies to Many AJR Clients:

While Sarah is a fictional example, this story reflects a common experience shared by many of the clients AJR Public Adjusters works with. Often, homeowners find themselves in similar situations — facing low insurance payouts, missing damages, and mounting stress after a disaster. AJR Public Adjusters understands Sarah’s pitfalls and is here to help. As a BBB A+ rated company, AJR is committed to advocating for clients like Sarah, ensuring that every hidden damage is uncovered and that settlements genuinely reflect the extent of the losses.

An Example Demonstrating What Sarah Learned:

Insurance Adjusters Work for the Company, Not You: Sarah didn’t fully understand the role of the insurance adjuster until after the fact. While the adjuster appeared kind and professional, his primary responsibility was to protect the insurance company’s bottom line, not her interests. A public adjuster works for you, ensuring your damages are fully assessed and you receive a fair settlement.
Hidden Damages Matter: The insurance adjuster didn’t notice specific structural damage Sarah discovered. AJR Public Adjusters have the expertise to identify hidden damages that might not be obvious at first glance, ensuring that all the damages are accounted for.
You Have the Right to Negotiate: Sarah didn’t know that she could challenge the initial claim settlement. Public adjusters like AJR are skilled negotiators who know the insurance industry’s ins and outs. They can leverage their knowledge to negotiate a higher settlement if the first offer is unfair.
Time and Stress Are Valuable: Handling the insurance claim independently added stress and frustration to a problematic situation. By hiring AJR Public Adjusters immediately after the loss, Sarah would have been able to focus on her recovery, knowing that a professional was handling the complicated insurance process for her.

The Takeaway for Others:

If you’re ever faced with a significant insurance claim, especially one involving extensive damage, contact AJR Public Adjusters immediately. At the same time, it might feel like an extra expense upfront; their expertise and advocacy can save you money in the long run. They ensure that the full scope of your damages is recognized and that the settlement is fair — helping you avoid the mistakes that can lead to further financial strain and frustration.

While not about an actual AJR client, this story applies to many homeowners facing the same challenges. AJR Public Adjusters has helped countless clients like Sarah who have faced underpaid claims or overlooked damages. If you don’t fully understand your policy or if your damages are significant, don’t hesitate to seek out the help of AJR Public Adjusters. Contact them immediately to ensure you’re getting the fair compensation you deserve.

AJR Public Adjusters is a trusted partner in navigating the complexities of insurance claims. Their A+ Better Business Bureau rating shows their dedication to outstanding service and client advocacy. If you find yourself in a similar situation, don’t face it alone — contact AJR Public Adjusters immediately to help you recover the compensation you’re entitled to.

Navigating Arizona Insurance Claims: AJR Public Adjuster’s Step-by-Step Guide

Property insurance claims can be tricky, and by understanding the common mistakes people make in Arizona, AJR Public Adjusters can help you navigate the process more effectively.

Why hire AJR Public Adjusters for property insurance claims?

Following the steps below will help you bypass common mistakes when filing insurance claims.

1. Initial Contact with AJR Public Adjusters

Action: Reach out to AJR Public Adjusters (602) 795-5227 immediately after the damage occurs.
Solution: Contact AJR to schedule a consultation. We will review your policy and help you understand your coverages. We will guide you through the entire claims process, explaining the specifics of what you are entitled to under your insurance policy.

2. Free Consultation and Policy Review

Action: Review your property insurance policy with an AJR Public Adjuster.
Solution: AJR will examine your policy to confirm that your coverage matches the damage incurred. This step ensures you’re claiming for the right damages (e.g., water, fire, storm damage) and not missing important coverages.

3. Documenting the Damage

Action: Allow AJR Public Adjusters to document the damage on your property.
Solution: AJR will send a licensed adjuster to your property to thoroughly document the damage. We will bring out an estimator to assess damages and take photos, videos, and detailed notes to establish the full extent of the loss, which will be crucial for maximizing your claim. This documentation will often be much more thorough than you might do alone.

4. Estimate of Loss

Action: AJR will work with contractors and experts to get an accurate estimate of the cost to repair the damage.
Solution: AJR Public Adjusters will hire licensed contractors and specialists to provide detailed estimates of repair or replacement costs. This estimate will form the foundation of your claim. AJR’s expertise ensures that the estimate is fair and comprehensive, covering all necessary repairs and replacements.

5. Filing the Claim

Action: AJR will submit the claim on your behalf after you have approved the estimate created.
Solution: AJR Public Adjusters will take care of submitting your claim to the Insurance Company and ensure that all required forms and documentation are appropriately filed. We will also ensure that the claim is filed promptly, in line with any time limits stated in your policy.

6. Insurance Company Interaction

Action: Allow AJR to communicate directly with your insurance company.
Solution: AJR will handle all communication with your insurance company, relieving you of dealing with adjusters, claims representatives, or disputes. We will ensure that your insurer does not undervalue your claim or delay processing, and we will negotiate for the best settlement possible.

7. Insurance Adjuster’s Inspection

Action: Coordinate with AJR so the insurance company’s adjuster can inspect your property.
Solution: AJR will accompany the insurance company’s adjuster during their inspections of your property. We will ensure the adjuster conducts a thorough evaluation and that no damage is overlooked. AJR will also advocate for your interests if the insurance company’s adjuster misses anything or undervalues the damage.

8. Review Settlement Offer

Action: Review the insurance company’s settlement offer with AJR.
Solution: Once the insurance company provides a settlement offer, AJR will thoroughly review it. We will assess whether the settlement is fair and based on a full damage assessment

9. Negotiating the Settlement

Action: If necessary, AJR will negotiate with your insurance company.
Solution: If the initial offer is unsatisfactory, AJR will utilize our 35+ years of experience and continue negotiating with your insurance company to increase the payout. This could involve presenting additional evidence and re-negotiating the repair estimates.

10. Appealing the Decision (if needed)

Action: If you disagree with the insurance company’s final decision, AJR will guide you through the appeals process.
Solution: If your claim is denied or the settlement is still too low, AJR Public Adjusters will inform you of your options, which begin with an appraisal ( which is explained in your policy), which is your duty before ever filing a lawsuit.

11. Final Settlement and Repair

Action: Accept the settlement and proceed with repairs.
Solution: Once AJR has secured a fair settlement, you will receive the payout and can move forward with repairs. AJR will continue assisting you throughout the repair process to ensure the settlement covers all necessary repairs and replacements.

12. Continued Support (if needed)

Action: Reach out to AJR for any further assistance after settlement.
Solution: Even after the claim is settled, you can continue to rely on AJR to advocate for you.

Key Benefits of Using AJR Public Adjusters:

Expert Negotiators: AJR has the knowledge and experience (35+ years) to ensure you get the most money possible for your claim.
No Upfront Cost: AJR works on a contingency fee basis, meaning we only get paid a percentage of the settlement when the insurance company issues checks. This makes our services affordable and aligned with your best interests.
Less Stress for You: With AJR handling all the paperwork, negotiations, and communication with the insurance company, you can focus on recovering from the loss without worrying about the claims submission process.
Maximized Payout: AJR’s goal is to ensure you get the maximum payout possible based on your policy, which often results in higher compensation than if you handled the claim alone.

By utilizing AJR Public Adjusters as your advocate, you’re ensuring that you have a professional on your side who will work hard to get you a fair settlement for your property insurance claim.

Celebrating Another Year of BBB Accreditation

🎉 Exciting News! We’re thrilled to announce another year of Better Business Bureau Accreditation! 🏆

For over a decade, we’ve proudly maintained our BBB accreditation, reinforcing our commitment to excellence and customer satisfaction. This milestone isnt’ just a badge – it’s a testament to the trust our amazing customers place in us and the credibility we’ve built over the years.

As we enter this new year of accreditation, we’re more motivated than ever to enhance our online presence so that others can locate AJR Public Adjusters when looking for ethical representation for insurance claim losses.

Thank you for your continued support! Here’s to another year of trust, transparency, and exceptional services. 🚀

#BBBAccredited #TrustedBusiness #CustomerFirst #CommunityTrust

Want to learn about our commitment to excellence? Click on the AJR link above 👆

Personalized Support from Licensed Public Adjusters | AJR Public Adjusters

A client we recently assisted here in Arizona reached out to us with a unique request—help for a friend in need in another state. We at AJR only hold a public adjuster license here in Arizona, but due to our 35+ year membership in NAPIA (National Association of Public Insurance Adjusters), we are able to connect you with public adjusters in other states.

Reflecting on her own experience with us, she couldn’t help but marvel at the seamless support, professionalism, and genuine care she received. She found solace in our team’s commitment to excellence and our unwavering dedication to her satisfaction. And so, when her friend faced a similar predicament in another state, she knew exactly where to turn.

But what struck us most wasn’t just the gratitude expressed for the assistance we provided. It was the genuine confusion as to why more people don’t automatically seek out companies like ours for help. And honestly, we couldn’t agree more.

At AJR Public Adjusters, we don’t just see clients – we see people, each with their unique story and set of challenges.

Understanding that life can throw curveballs when we least expect it, we know the value of a guiding hand from someone with over 35 years of expertise in the field. At AJR, we’re equipped not only with experience but also with the same license as an insurance adjuster, ready to level the playing field when the unexpected strikes.

Our journey in this industry has taught us that sometimes, what people need most is someone who understands the ins and outs, someone who can navigate the complexities with ease and assurance. And that’s exactly what we strive to offer – a steady, experienced hand to guide you through even the toughest of times.

So whether you’re facing a challenge here in Arizona or across the country, rest assured that we’re here for you. Our commitment to excellence knows no bounds, and we’ll go above and beyond to ensure you receive the support and care you deserve. You can view additional comments from previous clients here.

Because when life throws you a curveball, having someone in your corner who’s seen it all can make all the difference in the world. 💪 #ExperiencedSupport #LevelingThePlayingField #HereForYou”

So to our client who reached out on behalf of her friend, thank you for reaching out . And to everyone else out there, know that we’re here for you, no matter where you are or what you’re facing. Because at the end of the day, it’s not just about providing a service – it’s about forging connections and making a positive impact, one person at a time. 💙 #ClientCare #GoingTheDistance #MakingADifference”

View Conversation 👇(names omitted for privacy)

Settlement Maximization | Loss Support | No Upfront Fees

The fee structure for Public Adjusters operates much like that of an accident attorney. You won’t have to pay anything out of pocket upfront. Instead, the fee is a percentage of the settlement secured for you. The Public Adjuster handles all the hassle, sparing you the headache of fighting for it yourself.

The approach of a PA (public adjuster) is designed to align their incentives with yours. Public Adjusters are motivated to maximize your settlement because it directly impacts their compensation. This means Public Adjusters are fully committed to getting you the best possible outcome.

Importantly, understanding that dealing with loss can be emotionally draining is a situation most Public Adjusters can relate to. Many people settle for less than they deserve simply because they don’t have the energy to fight for it. That’s where a licensed, competant, highly rated Publicv Adjuster can step in. Public Adjusters sole job is to support you during this vulnerable time and ensure you receive the compensation you’re rightfully entitled to.

Once you engage a PA for services they get started right away to evaluate your loss. Ensuring you maximum recovery from the insurance company, with as little stress as possible. PA’s are your front line with the insurance company, offering the policyholder the ability to continue their daily activities without constant worry about the insurance claim recovery. We’ve got this.

With your next property insurance claim, call AJR Public Adjusters first. Let us get started on our job of maximizing your recovery while ensuring compensation for all coverages you’ve paid for.

AJR Public Adjusters — 602-795-5227

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

New Website Launch

Exciting News! We’re thrilled to announce the launch of our brand-new website!

Explore a fresh and improved user experience as we unveil our latest version. Discover sleek design, enhanced features, and seamless navigation to make your online journey even more enjoyable.