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

Top Public Adjuster in Phoenix: March 2025 Highlights

🌟 Exciting News! 🌟

We are thrilled to announce that, once again, we’ve secured the Top Public Adjuster spot in Phoenix, Arizona, on Yelp for March 2025! 🎉

This achievement wouldn’t have been possible without the trust and support of our amazing clients. We are deeply grateful for the positive feedback, the stories you’ve shared, and the opportunity to assist you in getting the claims and results you deserve.

Our commitment to providing top-notch service, fighting for your rights, and ensuring you’re well taken care of in every step of the claims process remains our top priority. We couldn’t have made it to this point without each and every one of you!

Thank you for your continued trust in us — here’s to more success together!

Give us a call at 602-795-5227 with your subsequent property insurance claim. We will provide a complimentary evaluation of your loss and leverage our 35+ years of experience to outline the best next steps to maximize your recovery

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Top 3 Tips for Hiring a Qualified Public Insurance Adjuster

🚨 Important Reminder for Insurance Claimants! 🚨

When working with a public insurance adjuster, always make sure to verify their license in your state. This ensures they are qualified to handle your claim properly and follow local regulations.

Additionally, it’s a great benefit if your adjuster is a member of NAPIA (National Association of Public Insurance Adjusters), a trusted organization that upholds industry standards and best practices.

At AJR Public Adjusters, we’re proud to have over 36 years of experience and are long-time members of NAPIA, committed to serving you with integrity and professionalism. 🏅

Make the right choice—choose a trusted, licensed, and experienced adjuster! ✅

NAPIA stands with Commissioner Lara (CA) in urging consumers to verify licensing when hiring a Public Adjuster

#InsuranceTips #PublicAdjusters #NAPIA #AJRPublicAdjusters #LicensedAdjusters #InsuranceClaims #ExperiencedProfessionals #TrustAJR

AJR Public Adjusters Achieves BBB Accreditation

AJR Public Adjusters LLC Earns BBB Accreditation

AJR Public Adjusters LLC is committed to ethical business practices

AJR Public Adjusters, LLC announced its recent accreditation by the Better Business Bureau Serving the Pacific Southwest (BBB) this week. As a BBB Accredited Business, AJR Public Adjusters LLC is dedicated to promoting trust in the marketplace and upholding high standards for honest business behavior.

Customers need to trust the companies they do business with, and BBB is committed to advancing that trust in the marketplace. BBB Accreditation is an honor, and not every business qualifies. The dedication AJR Public Adjusters LLC has displayed to earn this accreditation shows the high level of commitment they have for not only their customers but for the community in which they operate.

“We are pleased to join a community of businesses committed to doing things the right way,” said Bruce Horowitz. “We value building trust with our customers, and our BBB Accreditation is a public display of our commitment to excellence and maintaining high ethical standards.”

BBB Accredited Businesses adhere to BBB’s Standards for Trust, a comprehensive set of policies, procedures, and best practices that represent trustworthiness in the marketplace. The standards call for building trust, embodying integrity, advertising honestly, telling the truth, being transparent, honoring promises, being responsive, and safeguarding privacy.

To learn more about AJR Public Adjusters, LLC, please visit their BBB Business Profile at or or contact AJR at 602-795-5227.

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Maximize Insurance Claim Recovery with AJR Public Adjusters

We take calls daily from insureds handling their claims without professional assistance. They reach a point where they realize the insurance company, with their professional adjusters, places them at an unfair advantage.

Here are reasons to contact a public adjuster upon discovering an insurance claim.

Enlisting a public adjuster early in the claims process can be highly beneficial. Here’s why:

Expert Guidance: Public adjusters are experts in evaluating insurance claims. They can help you understand your policy, document your loss accurately, and navigate the claims process more effectively from the start.
Accurate Documentation: They can assist with proper documentation and valuation of your loss, which can be crucial for getting a fair settlement. They know what evidence and details are necessary to support your claim.
Avoiding Common Pitfalls: Having a public adjuster from the beginning helps you avoid common mistakes that could affect your claim, such as missing deadlines or overlooking important details.
Negotiation: They are skilled negotiators who can advocate on your behalf to ensure you receive the compensation you’re entitled to, potentially increasing the final settlement amount.
Time and Stress Management: Dealing with insurance claims can be stressful and time-consuming. A public adjuster can handle the bulk of the work and communications, allowing you to focus on other priorities.

In summary, engaging a public adjuster when you first discover a claim can help streamline the process and improve the chances of a favorable outcome.

With your next insurance claim, contact AJR Public Adjusters first to ensure maximum recovery for your insurance loss. We can be reached at the website link above or at 602-795-5227.

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

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.

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:

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.
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.
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.
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.
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.
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.
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.
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.
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.
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

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.

Another 5 STAR Better Business Bureau Review —

AJR is always proud to receive feedback from our clients. Recently moved over the 20 A+ review mark on Arizona Better Business Bureau.

AJR Better Business Bureau A+ Reviews

Rachel R says “Bruce is persistent and tenacious with the insurance company but is also friendly. He was so great at updates, that my phone had automatically assigned him as a favorite. We are forever grateful for Bruce”

We look forward to assisting you with your next insurance claim here in Arizona. Call us first 602-795-5227.

How are my Fine Arts Covered in my Insurance Claim?

Beauty is in the eye of the beholder.

Fine Art to one policyholder may not be the same for another. Questions always arise how are my collectibles, fine arts treated in my insurance claim. Below please find an analysis by The National Underwriter Company regarding this issue.

Highlights

Once it is determined whether an object is a fine art, it must be determined how the property should be insured. There are sixteen named perils, and if one of those does not damage the property, there is no coverage.

There are special limits, most do not apply to true fine arts. Coins have a special limit, as does silverware, gold ware, platinum ware including tea sets, gold silver and platinum, although some may not actually be fine arts.

The best option is to schedule the property into the homeowners policy with the Scheduled Personal Property Endorsement.

READ BELOW FOR FURTHER DESCRIPTION

Insuring Your Fine Arts

AJR Public Adjusters

602-795-5227