Category: claim settlement

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

#TopPublicAdjuster #March2025 #Yelp #ThankYou #CustomerAppreciation #PublicAdjuster #ClaimsExperts #AJRPublicAdjusters #Phoenix #Arizona #ClaimHelp #ClaimDispute #MaximizeSettlement

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

Yelp Recognizes AJR as Arizona’s Best Insurance Adjuster

🎉 We’re thrilled to share some exciting news! 🎉

Our team at AJR Public Adjusters has been recognized by Yelp as the Highest Rated and Best Reviewed Public Insurance Adjuster in Arizona for 2024! 🏆✨

This achievement is not just a badge of honor but a testament to our commitment to excellence and the trust our clients place in us. We take immense pride in helping Arizona residents navigate the complexities of insurance claims, advocating for the settlements they deserve, and providing top-tier service every step of the way.

A huge THANK YOU goes out to all our clients who have taken the time to share their experiences and leave us such glowing reviews. Your support fuels our passion for what we do and motivates us to continue raising the bar!

We’re proud to stand out in the industry and look forward to serving even more clients in the future. If you or someone you know needs expert assistance with their insurance claim, don’t hesitate to reach out!

Thank you, Arizona, for making us your trusted choice! 🌟

#TopRated #BestReviewed #PublicAdjuster #YelpRecognition #Arizona #InsuranceAdjuster

AJR Public Adjusters LLC

602-795-5227

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 Your Insurance Settlement with AJR

AJR Public Adjusters — Insurance Claim Representation

Your Trusted Partner for Insurance Claims

At AJR Public Adjusters, we specialize in professional representation for property and business owners navigating insurance claims. With over 35 years of experience and an A+ rating with the Better Business Bureau of the Pacific Southwest, our dedicated team negotiates directly with your insurance company to ensure you receive the maximum settlement for your losses, whether from fire, wind, water, theft, hail, or more.

What We Offer:

  • Comprehensive Policy Analysis: We review your insurance policy to ensure you’re taking full advantage of all available coverages.
  • Expert Negotiation: Our experienced negotiators advocate for your best interests, aiming to maximize your settlement.
  • Emergency Support: We understand that emergencies don’t wait. Our voicemail is monitored constantly—leave a message, and we’ll return your call promptly.

Let AJR take the stress out of your insurance claims process. Contact us today at 602-795-5227!

Enhancing Claims Settlements: The Role of Public Adjusters Unveiled

We often are asked, “Exactly what do Pubic Adjusters do, and why should I hire one?” Here is an overview of the industry, how it is beneficial, and what to look for when you experience your next insurance claim.

Welcome to the field of Public Adjusting! It’s a specialized area within the insurance industry that can be quite rewarding but also complex. Here’s a detailed introduction to get you started:

Basic Concepts

  1. What is a Public Adjuster?
    • A Public Adjuster is a licensed professional who advocates for policyholders (i.e., you) in the process of filing and negotiating insurance claims. Unlike insurance company adjusters who work on behalf of the insurance company, Public Adjusters work for the policyholder and aim to maximize the claim settlement on their behalf.
  2. Role and Responsibilities:
    • Assessment: Evaluate the damage to property or loss and decide the extent of the insurance claim.
    • Documentation: Gather and organize all necessary documentation and evidence to support the claim, including photos, estimates, and repair records.
    • Negotiation: Negotiate with the insurance company to ensure the claim is settled fairly and that the policyholder receives the maximum amount possible.
    • Settlement: Assist in the settlement process, ensuring that all aspects of the policy are considered and that the settlement aligns with the policyholder’s needs.
  3. How it Differs from Insurance Adjusters:
    • Insurance Company Adjusters: Work for the insurance company and aim to minimize the payout.
    • Public Adjusters: Work for the policyholder and aim to maximize the claim payout.

Key Components

  1. Licensing and Regulation:
    • Public Adjusters are mandated to be licensed in the states where they operate. Licensing requirements typically include passing an exam, meeting experience or education requirements, and continuing education.
  2. Types of Claims Handled:
    • Property Claims: Damage to homes, commercial buildings, or personal property (e.g., from fire, water, wind, or theft).
    • Business Interruption Claims: Losses incurred by businesses due to interruptions, such as those caused by natural disasters.
  3. Fees and Compensation:
    • Public Adjusters typically work on a contingency fee basis, meaning they only get paid if the claim is settled. Their fee is usually a percentage of the settlement amount (often between 10% and 25%).
  4. Insurance Policies:
    • Understanding the nuances of different insurance policies, such as homeowners, commercial property, and business interruption policies, is crucial. Each policy has specific terms, coverage limits, and exclusions.

Common Uses and Applications

  1. Residential Claims:
    • Homeowners often use Public Adjusters for claims involving damage from fires, storms, or floods. The complexity of these claims can benefit from a Public Adjuster’s expertise.
  2. Commercial Claims:
    • Businesses may require Public Adjusters for large-scale property damage or business interruption claims. Given the potential scale of losses, having an expert can be vital in ensuring fair compensation.
  3. Natural Disasters:
    • In the wake of natural disasters like hurricanes, earthquakes, or wildfires, Public Adjusters can help manage the large volume of claims and ensure that policyholders receive fair settlements.
  4. Complex or High-Value Claims:
    • Claims involving high-value property or complex damage situations (e.g., extensive water damage or long-term mold issues) often benefit from the detailed attention of a Public Adjuster.

Benefits of Hiring a Public Adjuster

  1. Expertise and Experience:
    • Public Adjusters bring specialized knowledge and experience to the table, which can be particularly valuable when dealing with complicated claims.
  2. Time-Saving:
    • Managing an insurance claim can be time-consuming. A Public Adjuster handles the details, allowing policyholders to focus on other priorities.
  3. Advocacy:
    • They advocate on behalf of the policyholder, working to ensure that all damages are properly assessed and that the claim is settled fairly.
  4. Maximized Settlements:
    • Studies have shown that policyholders who hire Public Adjusters often receive higher settlements compared to those who handle claims on their own.

Conclusion

Public Adjusting is a vital field within the insurance industry, offering significant benefits to policyholders by providing expert assistance in navigating and maximizing insurance claims.

If you have more specific questions or need further details on any aspect of Public Adjusting, feel free to ask! We at AJR Public Adjusters are always available to answer questions and provide additonal information about our services and experience.

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.

Prompt Response and Personalized Service | Contact AJR Public Adjusters

When you file an insurance claim for fire, water damage, monsoon damage, or any other covered loss, your first move should be to contact AJR, the local A+ Better Business Bureau licensed Public Insurance Adjuster, to assist with the recovery.

Why, you may ask?

  1. AJR is a local NAPIA public adjuster familiar with Arizona’s insurance policies and regulations. Understanding local building codes, weather-related issues, and regional practices can be critical in accurately assessing and documenting your claim.
  2. Being local has enabled us to provide more personalized and attentive service. We are not spread thin throughout the country as weather-related issues occur. We are based in Arizona and do business here.
  3. What makes AJR unique is our experience and realizing that some claims are not a good match for AJR. We are upfront with every person who reaches out to AJR. After our thorough evaluation of the circumstances, we speak with the insured to educate them on the best way to move forward with their claim. Sometimes, that process includes AJR, and sometimes, it does not.
  4. Listen to our recent client, Shauna Sherwood, in her own words here. Shauna has a house that is 5000+ sq ft. and had suffered fire damage.

At AJR, we understand the urgency of your concerns. When you reach out to us, you can expect a prompt response. Whether you call us during the day or at night, we strive to return your call within 24 hours, ensuring you’re not left waiting for days for a response. 

Don’t just take our word for it. We encourage you to read our reviews and see what others are saying about the service they received while working with AJR. We take pride in our reputation and look forward to the opportunity to work with you and add you to our list of extremely satisfied clients.

AJR Public Adjusters — 602-795-5227

What is a Public Adjuster and why should I use one for my property insurance claim? I never heard of them before, won’t my insurance company take care of me?

At AJR Public Adjusters, we often hear, “I’ve never heard of Public Adjusters before. My property just suffered an insurance claim, and I began to research help for my insurance claim and came upon your information.”

To try to assist you from ending up in this same situation, we’d like to share with you several key points to understand in advance of having a property insurance claim.

  1. Role and Function: Public adjusters are professionals who work on behalf of policyholders to help them navigate the insurance claims process. They advocate for the insured and aim to ensure that policyholders receive fair compensation for their losses. Public adjusters assess damages, review insurance policies, and negotiate with insurance companies to maximize claim payouts.
  2. Licensing and Regulation: Public adjusters are typically required to be licensed in the state or jurisdiction where they operate. Licensing requirements may vary by location, but generally, public adjusters must pass a state exam and meet certain education and experience criteria. Here in Arizona, a Public Adjuster’s license is the same license that an insurance company adjuster holds. This levels the playing field with the insurance company trying to minimize your recovery to benefit their bottom line.
  3. Compensation: Public adjusters typically work on a contingency fee basis, meaning their fee is a percentage of the final settlement amount. This fee is agreed upon between the public adjuster and the policyholder before any work is undertaken. Policyholders need to understand the terms of the agreement, including the percentage fee and any additional expenses that may be incurred. The fee is 10% on average, though larger claims might warrant a smaller percentage. Smaller claims, if taken by a public adjuster, might warrant a larger compensation.
  4. Expertise: Public adjusters are experienced professionals with knowledge of insurance policies, claims processes, and property damage assessment. Public Adjusters use their expertise to help policyholders navigate complex claims and ensure they receive fair treatment from insurance companies.
  5. Advantages and Considerations: Hiring a public adjuster can provide several advantages for policyholders, including expert guidance through the claims process, assistance with documenting and presenting claims, and increased likelihood of receiving a fair settlement. Policyholders should carefully consider the benefits of hiring a public adjuster and ensure they choose a reputable and licensed professional.

Overall, public adjusters play an important role in helping policyholders navigate the insurance claims process and ensure they receive fair compensation for their losses. If you encounter a situation where the expertise of a public adjuster may be beneficial, it’s important to research and understand their role and how they can assist you.

AJR Public Adjusters has represented policyholders for over 35 years. With an A+ Better Business Bureau rating, and as a NAPIA member, when you call our office you know you are talking to a firm well respected in this industry.

AJR Public Adjusters – 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