Category: Arizona Property Damage Claims

Red Flags to Watch for When Hiring a Public Adjuster in Arizona

Arizona policyholders should know the warning signs before hiring a public adjuster. Learn what to look for, which reviews matter, and how to protect your claim.

If you are a policyholder dealing with a property insurance claim in Arizona, hiring the right public adjuster matters. This professional represents you, not the insurance company. Knowing what red flags to watch for can help you avoid costly mistakes and delays.

Lack of transparency about who handles your insurance claim

In Arizona, public adjusters must be licensed by the Arizona Department of Insurance. A reputable Arizona public adjuster will clearly identify who owns the firm and who will personally handle your claim.

A major red flag is a website with no About page or no information about the adjusters working on claims. If you cannot find names, experience, or licensing details, proceed with caution. Policyholders should always know who is negotiating their property damage claim.

No independent reviews or reviews only on the company website

Another warning sign is a lack of third party reviews.

Testimonials posted only on a company’s website cannot be independently verified. When researching an Arizona public adjuster, look for reviews on established platforms that require accountability and consumer verification.

Why review platforms matter when choosing a public adjuster

Where reviews appear is just as important as what they say.

The Better Business Bureau is one of the most reliable platforms for evaluating a public adjuster. BBB reviews are based on real consumer interactions. Complaints are verified, responses are tracked, and patterns over time are visible. These reviews reflect actual policyholders and real insurance claims.

Policyholders should also know that BBB reviews are only publicly visible for three years. A firm with a long history in Arizona may not show decades of reviews even though they have handled claims for many years. In these cases, a consistent BBB rating and long standing accreditation are strong indicators of credibility.

Platforms like Google or Yelp can still provide insight, but they have limitations. Anyone can leave a review on those platforms, even without being a client or having an actual claim. Some reviews may come from phone calls or brief interactions unrelated to claim handling.

For this reason, policyholders should focus on review quality, detail, and platform credibility rather than star counts alone.

An unusually high number of reviews can be a red flag

Public adjusting is not a high volume business. Insurance claims take time.

In Arizona, wind, hail, fire, and water damage claims often require months of inspections, documentation, and negotiation. A small public adjusting firm cannot realistically manage hundreds of claims at once.

If a firm has an unusually large number of reviews in a short time frame, policyholders should question how that volume is possible.

Generic reviews that lack detail

Not all reviews are equal.

Reviews that simply say “great job” or “good service” offer little value. Strong reviews usually describe how the public adjuster communicated, documented damage, negotiated with the insurance carrier, or stayed involved throughout the claim process. Detailed reviews are far more credible.

Pressure tactics or guaranteed results

Arizona policyholders should be cautious of public adjusters who pressure them to sign immediately or promise guaranteed outcomes. No ethical public adjuster can guarantee a claim result.

A professional Arizona public adjuster will explain the claim process, discuss realistic timelines, and allow policyholders time to make informed decisions.

What policyholders should look for in an Arizona public adjuster

A reputable Arizona public adjusting firm will be transparent, experienced, and accessible. Policyholders should know who is handling their claim, how long the firm has worked in Arizona, and how claims are managed from start to finish.

AJR Public Adjusters follows this approach. Claims are handled directly by experienced, licensed public adjusters, not handed off to unknown staff. AJR has a long established presence in Arizona, a consistent BBB history, and a hands on approach that reflects the complexity of property insurance claims.

Final thoughts for Arizona policyholders

A property insurance claim can have a major financial impact. Take time to research before hiring a public adjuster. Verify licensing, review independent platforms, and ask direct questions.

For Arizona policyholders, experience, transparency, and accountability matter far more than marketing claims or inflated review numbers.

Why Personal Attention Matters in Property Damage Claims

A recent client shared a reminder of why personal attention matters in this industry:

“Bruce is simply the best…His coordination with the mitigation company was crucial in preventing even more damage when my roof collapsed…I would highly recommend Bruce and AJR…. Don’t go it alone.”

Property damage is confusing and urgent. When someone’s roof collapses or water spreads through a home, they shouldn’t have to fight an insurance company at the same time. Having someone manage the claim, coordinate mitigation, and protect coverage can completely change the outcome.

At AJR Public Adjusters LLC– Representation for you NOT insurance company for real property claims —we believe every policyholder deserves direct guidance, not a call center. Bruce Horowitz handles each claim personally, start to finish, because your home is too important for guesswork.

Grateful for the trust our clients place in us. We’ll always be here when the unexpected happens.

Just like hiring an Accountant for an audit: Why Policyholders Turn to AJR Public Adjusters for their Property Insurance Claims

Many neighbors don’t realize that insurance company adjusters work for the insurance company—not for you.

That’s where public adjusters come in. We work for the policyholder, not the insurer.

Just like you’d hire an accountant to handle an audit, you can hire a public adjuster to handle your insurance claim. It’s a professional service you can pay for to have someone represent your interests in all claim negotiations.

Our clients often tell us they didn’t know this option existed until after struggling through the process on their own. We’re proud to share four new 5-star reviews from clients who did:

“AJR Public Adjusters are awesome and I would highly recommend them to anyone dealing with a large insurance claim.”

“Their expertise and professional knowledge were invaluable as they took the lead with my insurance company and guided me through the complexities.”

We genuinely appreciate clients who take the time to share their experience—it helps others feel confident knowing they’ll receive professional, honest, and knowledgeable help with their claim.

If you’re dealing with property damage anywhere in Arizona, call AJR Public Adjusters at 602-795-5227. You don’t have to handle it alone.

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.

Phoenix Property Damage From Monsoon Storms: Protect Your Insurance Claim

The First Monsoon and Haboob of the Season Hits Phoenix

Last night the Valley saw its first major monsoon and haboob storm of the season. High winds, heavy dust, and scattered rain swept through neighborhoods, leaving many residents waking up to fallen trees, roof damage, broken windows, and water intrusion. These storms can cause significant property damage that is not always obvious at first glance.

If your home or business was impacted, now is the time to take action. Insurance claims can be complex and stressful, especially after sudden storm events. AJR Public Adjusters is here to represent you and ensure your claim is handled properly.

Why Call AJR Public Adjusters

You should call AJR because we work for you, not the insurance company. With over 37 years of experience, we understand how to properly document storm damage and present your claim so you are not underpaid. We handle the process from start to finish, allowing you to focus on your family, your business, and getting life back to normal.

We provide a thorough inspection of your property to uncover hidden damage that may be overlooked. We prepare detailed estimates to reflect the true cost of repairs. We communicate directly with the insurance company and negotiate on your behalf to secure a fair settlement.

What You Should Do Next

If you suspect storm damage, take photos of your property right away. Do not discard damaged materials before they are documented. Contact AJR Public Adjusters as soon as possible so we can begin the process and protect your claim. The sooner you call, the better we can preserve evidence and advocate for you.

Call AJR Today

Monsoon and haboob storms are unpredictable, but you do not have to face the aftermath alone. AJR Public Adjusters is available to guide you through the claims process and fight for the settlement you deserve. Call us today for a consultation.

Top-Rated Public Adjuster in Phoenix | AJR Public Adjusters #1 on Yelp

AJR Public Adjusters Ranked #1 on Yelp Again as Best Public Adjuster in Phoenix

We’re proud to announce a repeat achievement. AJR Public Adjusters has once again been ranked the top public adjuster in Phoenix, Arizona, on Yelp. This recognition reflects the trust Arizona homeowners and business owners place in us. They rely on us during some of their most stressful moments—when dealing with a property insurance claim.

At AJR, we don’t chase storms or rely on marketing gimmicks. Our reputation is built on over 35 years of hands-on experience in the public adjusting industry. We offer honest guidance and clear communication. We deliver results that make a difference. Every client works directly with Bruce Horowitz, not a rotating team or an unfamiliar representative. We believe in personal service backed by professional knowledge, and that approach is why so many policyholders choose AJR.

Choosing a Public Adjuster? Ask the Right Questions

If you’re searching for a public adjuster in Phoenix, Arizona, be sure to look beyond a polished website. This also applies if you’re looking anywhere in Arizona. Many companies list services, but not the actual individuals who work with the clients. Before signing with any firm, ask these critical questions:

If a company doesn’t clearly show who is behind the name, be cautious. If it doesn’t reveal how long they’ve been in the public adjusting business, be wary. Take that as a sign to dig deeper.

Why Clients Trust AJR Public Adjusters

With over three decades of experience, we are proud to serve the Arizona community. We have an A+ rating from the Better Business Bureau. We operate our business with integrity. We don’t just say we put clients first—we show it in every claim we manage. Our Yelp reviews, many of which come from repeat referrals, speak volumes about the quality of service we deliver.

Thank you to everyone who has taken the time to leave us a review. Thank you to those who have referred a friend or shared your experience. Your support helps us continue to advocate for policyholders the right way.

Need help with a claim? Call us at 602-795-5227. You can also visit our Yelp page. Discover why AJR continues to be the most trusted public adjuster in Phoenix.

Tips for Choosing a Public Adjuster After Arizona Storms

As we start the monsoon season here in Arizona, property owners need to stay alert. Be cautious not just of the storms themselves but also of the wave of people who show up afterward.

After a significant storm, individuals often knock on your door offering quick fixes or promising big insurance payouts. Some are trying to be helpful, but many are simply trying to drum up business. They often lack a fundamental understanding of the claims process. Promises are made that don’t hold up once insurance complications arise.

Before agreeing to work with anyone, read their reviews and look at the types of claims they’ve actually handled. If you see a pattern of “they knocked on my door,” there’s your answer. Here is a link to the AJR Reviews. You can learn more about who we are. Find out what we can do.

At AJR Public Adjusters, we do things differently. We don’t chase storms. We rely on our reputation, our A+ rating with the Better Business Bureau (BBB), and the referrals of satisfied clients. With over 35 years of industry experience, Bruce brings unmatched knowledge and results to every claim. Other firms have been in Arizona longer, but no one offers the depth of skill that Bruce does.

If you’ve suffered property damage, make sure you’re working with the right professional. AJR is here to help you get what you deserve.

Call us at 602-795-5227 or reach out here