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
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.
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
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
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”.
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,
480-519-9099, Bruce Horowitz, President
AJR Public Adjuster Website
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 Adjustersemail@example.com
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