AJR Public Adjusters pleased to announce re-accreditation with Better Business Bureau serving the Pacific SouthWest

AJR Public Adjusters LLC Earns BBB Accreditation

AJR Public Adjusters LLC is committed to ethical business practices 

This week, AJR Public Adjusters LLC announced its recent re-accreditation by Better Business Bureau Serving the Pacific Southwest (BBB). 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. 

Now more than ever, customers want to trust companies they do business with, and BBB is committed to building that trust. BBB Accreditation is an honor, and not every business qualifies. The dedicationAJR 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 Stacy 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 representing 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 http://www.publicadjusteraz.com or contact Stacy @ 480-519-9199. 

About AJR Public Adjusters LLC

Bruce and Stacy relocated to Phoenix, AZ from Charleston, SC in 2013 to establish AJR Public Adjusters, LLC After a successful nine years in the Low Country of South Carolina, a decision was made to venture out west and re-establish the company with a new name that more closely describes the services provided.

Bruce has more than a quarter of a century of experience and is highly qualified to lead his clients through the maze of confusion in the insurance industry.  

Bruce was born into a family of public adjusters and joined the family business full time right after college. Bruce was a principal at this firm which is one of the largest and oldest “90 years” public adjusting firms in the tristate area that employs over 30 public adjusters.  Bruce’s knowledge and experience are unmatched in the Valley.  

After working 17 years in the family business, Bruce wanted to be able to provide personal, attentive service to the clients he was servicing. Bruce and Stacy relocated to Charleston, SC, from Philadelphia, PA in 2005 and established AJR Insurance Consultants, LLC.

Prior to establishing AJR, Stacy had a successful career in sales for Aetna/US Healthcare in the Philadelphia region, The Embassy Row Hotel in Washington DC, Western Union in the Northern New Jersey Region and PTS Learning Systems; computer training materials in Philadelphia. Her experience exposed her to the insurance, hotel, management, healthcare, telecommunications and information technology industries. It is with this broad experience in the business world that Stacy oversees the marketing and administrative duties at AJR.

Bruce is certified and licensed in Arizona and is a member of the National Association of Public Insurance Adjusters (NAPIA) and adheres to a strict code of ethics. Bruce keeps up on current insurance regulations by constantly completing insurance education courses.  

AJR works on behalf of homeowners and business owners to ensure that once damage has occurred, the property owner takes full advantage of all aspects of his/her insurance policy.
Contact our public insurance adjusters in Phoenix, Arizona, to make sure no detail is missed when filing your claim.

About the Better Business Bureau Serving the Pacific Southwest. 

For more than 100 years, the Better Business Bureau has been helping people find businesses, brands and charities they can trust. In 2020, people turned to BBB more than 220 million times for BBB Business Profiles on 6.2 million businesses and Charity Reports on 11,000 charities, all available for free at BBB.org. The International Association of Better Business Bureaus is the umbrella organization for the local, independent BBBs in the United States, Canada and Mexico. Incorporated locally in 1938, BBB Serving the Pacific Southwest serves Greater Arizona and Southern California, providing critical tools to ignite success including mentorship, online products and access to capital. Our objective expertise educates the community on ethical behavior in the marketplace and how businesses can build trust.

You’ve suffered a property insurance loss, do you know what your insurance policy really covers?

Homeowners purchase home insurance to protect their homes and personal property.  

After an insurance loss is not the time, you want to learn that it will not cover everything you have lost in your claim.

The article attached here explains a little further and discusses some common misunderstandings regarding insurance

https://www.nuco.com/fcs/2021/09/13/understanding-insurance-and-why-it-doesnt-cover-everything/?cmp_share

TakeAways

  1. Insurance is a for-profit industry providing services to those who buy a policy.
  2. Insurance does not pay for maintenance issues.
  3. Insureds sometimes look at cost and don’t look at coverage.
  4. Some agents take the easy way out and tell insureds they are covered for most catastrophic losses without providing details.
  5. Insureds may not understand that their policy is not a replacement cost policy and only covers actual cash value. — this comes into play when settlement is determined.  

This confusion reiterates the need for a licensed Public Adjuster to represent your interests from start to finish with your claim.

We are your A+ rated Better Business Bureau Public Insurance Adjuster here in Phoenix, Arizona, representing clients all over State 48.

AJR Public Adjusters — 602-795-5227 — info@ajrpa.com

Microwaving Face Masks — FIRE HAZARD

In this new Coronavirus existence, everyone is scrambling to protect themselves in any way possible. Without accurate information, people may be making a severe error trying to “clean” their face masks. Some posts have gone viral recommending microwaving cloth face coverings in plastic bags for “2 to 3 minutes” for a good cleaning.

Here is a Reuters article declaring a True Claim, which states face masks do catch fire if we microwave them.

The CDC does recommend using cloth face coverings to help slow the spread of Coronavirus. Recommendations for the proper use and care from the CDC are here.

 

AJR takes our responsibility seriously and felt it was essential to highlight additional fire dangers we recently learned. We hope everyone stays safe and out of danger. Please heed suggestions from the experts in all areas, especially no microwaving face coverings. 

Should the need arise, AJR does have the ability to teleconference using the zoom technology.

 

AJR Public Adjusters — 602-795-5227 — http://www.betterclaimresults.com

January 2020 and AJR has a new 5 STAR BBB Review

AJR has jumped out of the box in 2020 with a new 5 STAR Better Business Bureau Review. We couldn’t be more proud to share with you the constructive feedback Monica has shared with the BBB.

“But, after interviewing several companies, we decided to hire Bruce and Stacy at AJR Public Adjusters to help settle our fire/property claim with the insurance company. It was the best decision we could have made!”

Read the rest here

Remember, with your next property insurance claim, call AJR first to let us appropriately guide your loss to secure a maximum settlement.

AJR Public Adjusters.              

 info@ajrpa.com.                            

602-795-5227

 

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.

Another 5 STAR Better Business Bureau Review

AJR is honored to receive another 5 STAR Better Business Bureau Review. We feel fortunate when clients can locate us and put us to work as their advocate. 

As LG says,On my own, I was offered $2,000 to complete the repairs (which was honestly insulting and almost bordered on criminal) but when AJR stepped in, they were able to increase the final settlement amount of my claim from $2,000 to $162,000. Yes, you read that, right!”

Better Business Bureau Review

To secure an 8,000% increase doesn’t happen every day, but we work our hardest to ensure we represent our clients with the utmost professionalism and tenacity.

With your next insurance claim call AJR first.  Let us review your situation and let you know how we might help.

 

AJR Public Adjusters — 602-795-5227 

info@betterclaimresults.comAJR LOGO

 

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.

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

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

www.betterclaimresults.com

 

#1 Ranking via YELP for October 2018

Daily responsibilities include contacting Insurance Companies on our clients behalf.  Our involvement ensures our client receives all monies they are entitled to.

People have busy lives and spending the day trying to deal with an Insurance Company after a property loss, is not high on peoples wish lists.

AJR with our experience of over 30 years, knows how to speak with, negotiate and manage our clients claims with top notch results.

We are proud to be recognized in October 2018 by YELP as the #1 Best Public Adjuster for the Phoenix Arizona region.

AJR holds a license in Arizona and is able to represent policyholders with property claims throughout the state.  With your next claim give us a call first.  Like our clients here, let us take the stress off your shoulders and settle your claim with the high standards we have set.

WEBSITE FOR AJR

Bruce L Horowitz, President  480-519-9099

Stacy K Horowitz, Vice President  480-519-9199

Office — 602-795-5227