Coronavirus Availability

Our lives have and are changing due to Coronavirus. AJR wants to let you know our availability to handle your insurance claims has not changed. 

We have added video teleconferencing to speak with you about current claims and emergencies that may arise for consultation and assistance with property losses. As always, you can call, text, or email us. 

We are constantly researching and staying on top of current information related to the potential for virus-associated claims. 

Stay safe, follow state directions, and stay well.

AJR is available at 602-795-5227 or claims@betterclaimresults.com.

Bruce Horowitz 480-519-9099                   Stacy Horowitz 480-519-9199

Lower percentage is not always better

Many times prospective clients question our commission charge.

Insureds wonder if they can lower the percentage will they make out better.  We wanted to demonstrate that this may not always be the case.

As they say, you get what you pay for.

See example of a typical claim below and notice the difference to the policyholder when paying a higher percentage fee:

 

Company A                     

Initial Claim Offering                     $50,000

Final Claim Result.                          $60,000

8% fee to Public Adjuster:             $  4,800

Claim Settlement to Insured:    $55,200

 

AJR PUBLIC ADJUSTERS

Initial Claim Offering:                    $50,000

Final Claim:                                      $75,000

15% Fee:                                            $11,250

Claim Settlement to Insured:    $63,750

 

Clearly you can see how AJR Public Adjusters assistance, perhaps at a higher fee still nets the insured a better settlement.  This policyholder increased their settlement by $8,550 even when paying a higher percentage for our services.

By giving AJR the opportunity to utilize our 30+ years experience to manage and negotiate your claim, you can rest assured you will do better in the settlement process of your claim.

Please view our Better Business Bureau A+ rating here.  This may provide helpful information for you to see how AJR should be your first call with your next property insurance claim.

Call AJR first, we even help report the claim and can take over the stress of managing your claim from there.  We can be reached at 602-795-5227, email here.

September started off with another 5 STAR Better Business Bureau Review for AJR Public Adjusters, Phoenix – Arizona

AJR is humbled when our clients choose to share their experiences with others regarding the service and success they had while working with us.

Ken K says, “…Bruce provided us with the assurance that he had control of the situation and constantly kept us informed throughout the process.” ” In the end, knowing that Bruce and Stacy were working for us was a great comfort. Their experience and expertise were evident throughout and greatly appreciated. Bruce continually advised us as to what our policy covered, and I believe we received a very fair and prompt settlement with the insurance company.”

Better Business Bureau of Arizona Reviews of AJR Public Adjusters

With your next insurance claim call AJR first.

Allow us to turn you into a satisfied client like Ken.

You can reach us at 602-795-5227.

AJR Public Adjusters Website

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.

Honored to be recognized once again by YELP as Best Public Adjuster, Phoenix, Arizona January 2019

AJR does not take this position lightly.  We strive to handle our claims in a professional manner, while providing excellent customer service to our clients.  It is a strong testament to our services when our clients choose to share their experiences, here.

With all the turmoil in business today, with companies folding, you may wonder what position do I have if my insurance carrier goes under and files for bankruptcy. What happens when an insurer fails is a good article from National Underwriter explaining the rights you have as a policyholder.  All is not lost.

Anytime you need a consultation regarding an insurance claim call AJR first.  By calling first you put yourself in the best situation to recover all that you are entitled to for your loss.

AJR can be reached at 602-795-5227 or Send AJR an email message

 

Best practices to maximize an insurance loss to real property

With the new year upon us, we thought it might be helpful to remind you how to maximize your insurance loss by hiring a local public adjuster.  Follow steps below to secure a licensed reputable firm to ensure professional representation for your next insurance loss.

 

Best Practices Hiring a Public Adjuster

 

AJR Public Adjusters Website

602-795-5227

BEWARE — Solicitations from Unlicensed Public Adjusters and Repair Schemes

It is that time of year here in Arizona, monsoon season is in full swing.  Natural disasters are a normal occurrence over the summertime and consumers should be on their toes.

Here is an recent article dated July 12, 2018, released by the Idaho Department of Insurance, making the public aware of unlicensed individuals who are acting as public insurance adjusters for losses from hail storms.  Different state, same issue.  Public needs to be aware of individuals they hire to represent them with insurance claims.

This article points out an interesting situation that everyone should be aware of.

“Public adjusters often have mutual relationships with contractors, and may even be compensated by contractors  who are performing work in conjunction with damages caused by the insured loss; however, any compensation or financial interest must be disclosed by the public adjuster in writing to you as the policyholder”.

 

Screen Shot 2018-07-18 at 10.41.51 AM.jpgScreen Shot 2018-07-18 at 10.42.16 AM.jpgScreen Shot 2018-07-18 at 10.42.28 AM.jpg

AJR has NO “kick-back” relationship with any contractor, roofer, plumber.  We do not accept any money from others working on your job.  Our number one goal is to maximize your settlement for you, then get paid our percentage from the policyholder.  No settlement money is exchanged elsewhere regarding your claim.

It is always best to research anyone you plan to hire for representation with a covered insurance claim.  Some good sites that help with research to locate licensed, reputable firms are the Better Business Bureau, The National Association of Public Insurance Adjusters, NAPIA and the Arizona Department of Insurance.

 

AJR Public Adjusters,

602-795-5227, telephone

480-519-9099, Bruce Horowitz, President

AJR Public Adjuster Website

 

 

I just discovered my property was damaged in Tinder Fire, what do I do?

After evacuation and finally being allowed back to your property, you discover you were one of the unlucky ones whose property was damaged.

A fire is one of the most devastating natural disasters anyone can endure.  As Public Adjusters, we have comforted and handled many clients like yourself.  After the devastation is recognized, its time to start processing your claim and preparing to rebuild your property.

Your first call to a Public Insurance Adjuster can be one of the most important calls you will make.  The Public Adjuster’s job is to analyze, estimate, and document your loss. Then, we negotiate your best settlement with the insurance company.

Many people don’t know this industry exists and think, “Oh, my insurance company will take care of me.”  What individuals don’t recognize is that the insurance company’s adjuster works to protect their interests. It is in your best interests to have someone professionally representing yours.

Upon calling a Public Adjuster, there should be no charge for a consultation.  The Public Adjuster is paid a percentage of the settlement.  Generally, 10% is a reasonable charge, though some circumstances warrant a different rate.

AJR Public Adjusters have represented policyholders over the years with fires similar to the devastating ones that have taken properties in the Tinder Fire.  Our 30+ years of experience and 21 A+ Arizona Better Business Bureau reviews are two of the reasons to give us a call first to find out how we can help you.  Our company is run by husband/wife team of Bruce and Stacy Horowitz,  and with other professionals (such as contractors) utilized at our discretion. We act with the idea of putting the best foot forward for insurance negotiations.

 

AJR Public Adjusters==602-795-5227==info@betterclaimresults.com

 

When do expenses become Incurred?

Policyholders many times wonder when they are eligible to receive reimbursement above ACV in their claim?

ACV is the Actual Cash Value that is initially agreed upon in the claim.  There is a holdback which is a known figure to the policyholder.  Generally, the policy states this figure must be incurred.  As explained in the attached White Paper, incurred begins when a contract is signed with a builder to repair the property.

Hence, holdback money should be released upon providing a valid contract with a licensed builder.

This is the scenario in the best of circumstances.  As a note, even though this is the definition for this wording, many times Insurance Companies do not follow this thought process.

It is helpful to always know your rights and responsibilities.

Public Adjusters are licensed by the state and well versed in the area of claim recovery and can assist with this and other issues relating to your claim.

When are Expenses Incurred.pdf

 

Monsoon Season in 10 days. Here is updated information regarding storm damage

Sometimes properties can get hit by more than one storm during a Monsoon Season.  Questions arise about claims and how they need to be properly filed for full reimbursement.

When damage occurs a second time to a property that has not been fully compensated for the first loss, no new claim needs to be opened.  The subsequent damage is added to the original claim, as the insurance company had not satisfied their duty to the insured prior to the second storm.

Information below from National Underwriters verifying this statement.

fullsizeoutput_9fccShould your property suffer damage this Monsoon Season,  AJR Public Adjusters available to assist with full recovery from insurance company for all your losses.

Call AJR first to ensure your interests are properly represented.  602-795-5227