Can a Public Adjuster increase My Insurance Settlement?

How Much More Money Can a Public Adjuster Get Me?

One of the most common questions we hear is:

“How much more money can you get me?”

It’s a fair question. If you’re considering hiring a public adjuster, you want to know whether the cost is worth it.

The honest answer is that no ethical public adjuster can guarantee a specific increase in your settlement. Can a public adjuster sometimes help increase a settlement? Absolutely.

We often see situations where damages were overlooked, not fully documented, or not included in the original estimate. When covered damages are properly identified and presented, the settlement may increase.

However, every claim is different. That is why no ethical public adjuster can predict a specific outcome before reviewing the property, the damages, and the insurance policy.

In fact, if someone promises they’ll get you 300%, 500%, or 700% more before they’ve even reviewed your property, policy, and damages, you should ask a few more questions.

Why No One Can Predict the Outcome

Every insurance claim is different.

Every property is different.

Every insurance policy is different.

Every loss is different.

To accurately compare claim results, you would need the exact same:

Property
Insurance policy
Damages
Documentation
Timing
Insurance company
Insurance adjuster

That almost never happens.

The moment a public adjuster becomes involved, the claim changes.

Damages may be documented differently.

Additional covered damages may be identified.

Estimates may be more detailed.

Personal property losses may be better documented.

The claim may be presented and negotiated differently.

Because of that, nobody can know what the final settlement would have been if the public adjuster had never been involved.

The Problem With Percentage Claims

You may see advertisements that say:

“We get policyholders 300% more.”
“Our clients receive 523% higher settlements.”
“We increase claims by an average of 700%.”

The real question is:

Compared to what?

Was the original insurance estimate complete?

Had all damages been identified?

Were code upgrades included?

Was personal property accounted for?

Were additional living expenses considered?

Had the claim been fully documented?

Without knowing the details of every claim, those percentages don’t tell the whole story.

Insurance claims are not standardized products. They are unique situations with dozens of variables. Reducing every claim to a single percentage can be misleading.

What a Public Adjuster Actually Does

A public adjuster’s job is not to create money.

Our job is to properly document, prepare, and present the claim under the terms of the insurance policy.

For example, a homeowner may report damage from a water leak, and the insurance company may estimate repairs only for the visible drywall. During a detailed inspection, damage to flooring, cabinetry, insulation, or personal property may also be discovered. When covered damages are properly documented and presented, the settlement may increase. That isn’t because the public adjuster created money. It’s because additional covered damages were identified and documented, and presented to the insurance company.

That includes:

Reviewing the policy
Inspecting and documenting damages
Preparing detailed estimates
Documenting personal property losses
Identifying potentially overlooked damages
Communicating with the insurance company
Negotiating based on facts, documentation, and policy language

The goal is to help ensure that all covered damages are identified, documented, and properly evaluated.

A Better Question to Ask

Instead of asking:

“How much more money can you get me?”

Consider asking:

Have you handled claims like mine before?
How will you document my damages?
What is your process?
How often will you communicate with me?
Will I be able to reach you directly?
How involved will you be throughout the claim?

The answers to those questions often tell you much more about the value a public adjuster provides.

When Should You Hire a Public Adjuster?

Many policyholders don’t realize that the best time to involve a public adjuster is often at the very beginning of the claim.

Once a claim is reported, important decisions start being made. Damages are documented, inspections are scheduled, estimates are prepared, and information is submitted to the insurance company.

Bringing in a public adjuster early can help ensure the claim is properly documented from the start and may help avoid issues that can arise when damages are overlooked or when incomplete information is provided.

Remember, the insurance company has professionals representing its interests throughout the claims process. Having your own professional representative can help level the playing field and provide guidance through what is often a stressful and unfamiliar process.

While a public adjuster can become involved at various stages of a claim, many policyholders find that engaging one early helps reduce confusion, avoid unnecessary headaches, and ensure the claim is thoroughly prepared from day one.

Final Thoughts

No public adjuster can honestly guarantee a specific settlement amount or percentage increase.

What we can promise is that we will thoroughly review the loss, document the damages, and advocate for the policyholder throughout the claims process.

At AJR Public Adjusters, we believe communication is just as important as documentation. Our clients are kept informed throughout the claims process and are copied on communications, so they always know where their claims stand.

That commitment to service has helped us maintain an A+ rating with the Better Business Bureau and earn numerous positive reviews and testimonials from homeowners and business owners who have trusted us to represent their interests.

Every claim is unique, and the outcome depends on the facts, the policy, and the damages involved.

If someone promises a specific percentage increase before reviewing your property, policy, and loss, ask how they could possibly know that.

What matters isn’t a promised percentage. What matters is whether your claim is being properly documented, thoroughly presented, and fully evaluated under the terms of your policy.

At AJR Public Adjusters, our focus is simple: help policyholders understand their coverage, thoroughly document their damages, keep them informed throughout the process, and advocate for every dollar supported by the policy and the facts of the claim.

Understanding Reviews: Tips for Picking a Public Adjuster

What to do first

If your home or business has damage from fire, water, monsoon storms, hail, or smoke, choosing the right public adjuster matters. A good public adjuster can help organize your claim, document damage properly, and deal directly with the insurance company. A poor choice can create delays, confusion, and frustration during an already stressful time.

One mistake people make is focusing only on whether a company has a 5-star rating.

Not all 5-star ratings are equal.

A company with 3 reviews from 3 years ago is not the same as a company with 29 reviews, including reviews posted within the last month.

When evaluating a public adjuster in Arizona, look deeper than the star rating itself.

Look at the Number of Reviews

A higher number of reviews usually gives you a more reliable picture of how a company operates over time.

Three perfect reviews may simply mean the company is newer, less active, or has not handled many claims publicly. On the other hand, dozens of reviews across several years can show consistency, experience, and ongoing client satisfaction.

Consistency matters.

Insurance claims are stressful. You want to know the company has successfully handled many situations, not just a few.

Check How Recent the Reviews Are

This is one of the most overlooked details.

Recent reviews tell you the company is still actively helping clients and maintaining service standards today, not just years ago.

If the newest review is from 2021, that should raise questions.

A company receiving steady reviews every few months often means:

They are actively working claims
Clients are motivated to leave feedback
Communication remains strong
Their reputation is current, not outdated

Look for patterns over time, not just a high score.

Read the Actual Comments

Do not just glance at the stars.

Read what people are saying.

Look for comments about:

Communication
Return phone calls
Claim knowledge
Transparency
Organization
Whether the client felt informed during the process
Whether the adjuster personally stayed involved

Many people hire a company because of a strong sales pitch, only to find out later they rarely speak to the actual adjuster handling the file.

Reviews often reveal this quickly.

Watch for Red Flags

Be cautious if:

Reviews sound overly generic
Multiple reviews were all posted on the same day
There are very few reviews for a company claiming decades of experience
The company has no recent activity
The adjuster pressures you to sign immediately
They promise unrealistic settlements before reviewing your policy and damages

A professional public adjuster should explain the process clearly, not pressure you.

Verify Licensing and Professional Presence

In Arizona, public adjusters must be licensed.

You should also look for:

BBB accreditation
Memberships in professional organizations
A real local presence
Clear contact information

Established firms often have a long track record that is easy to verify online.

Bigger Is Not Always Better

Some large national companies handle huge volumes of claims. That does not always mean better service.

Many homeowners prefer working with a smaller local Arizona firm where they can directly reach the owners.

The key is responsiveness, experience, and trust.

Final Thoughts

A public adjuster works for you, not the insurance company. Take your time before hiring one.

Do not stop at the star rating.

Look at:

How many reviews the company has
How recent those reviews are
What clients actually say
Whether the company has a real history in Arizona

A 5-star rating with 29 recent reviews tells a very different story from a 5-star rating with only 3 older reviews.

When property damage happens, experience and consistency matter.

Online review activity and platform filtering can shift over time on sites like Yelp, so it’s better to focus on long-term consistency rather than just the current star average.

Need Help With a Property Damage Claim?

If you have questions about a fire, water, storm, hail, smoke, or other property damage claim, AJR Public Adjusters is available to help. We work exclusively for policyholders, not insurance companies, and provide a free claim evaluation.

AJR Public Adjusters, LLC
Bruce Horowitz, Licensed Public Adjuster
Stacy Horowitz, Operations Manager

Office: 602-795-5227
Bruce: 480-519-9099
Stacy: 480-519-9199

Website: www.publicadjusteraz.com

Serving Phoenix, Scottsdale, Paradise Valley, Tempe, Mesa, Chandler, Gilbert, Glendale, Peoria, Surprise, and surrounding Arizona communities.

Experience matters. When it comes to your insurance claim, make sure you’re choosing a public adjuster based on more than just a star rating.

Red Flags to Watch for When Hiring a Public Adjuster in Arizona

Arizona policyholders should know the warning signs before hiring a public adjuster. Learn what to look for, which reviews matter, and how to protect your claim.

If you are a policyholder dealing with a property insurance claim in Arizona, hiring the right public adjuster matters. This professional represents you, not the insurance company. Knowing what red flags to watch for can help you avoid costly mistakes and delays.

Lack of transparency about who handles your insurance claim

In Arizona, public adjusters must be licensed by the Arizona Department of Insurance. A reputable Arizona public adjuster will clearly identify who owns the firm and who will personally handle your claim.

A major red flag is a website with no About page or no information about the adjusters working on claims. If you cannot find names, experience, or licensing details, proceed with caution. Policyholders should always know who is negotiating their property damage claim.

No independent reviews or reviews only on the company website

Another warning sign is a lack of third party reviews.

Testimonials posted only on a company’s website cannot be independently verified. When researching an Arizona public adjuster, look for reviews on established platforms that require accountability and consumer verification.

Why review platforms matter when choosing a public adjuster

Where reviews appear is just as important as what they say.

The Better Business Bureau is one of the most reliable platforms for evaluating a public adjuster. BBB reviews are based on real consumer interactions. Complaints are verified, responses are tracked, and patterns over time are visible. These reviews reflect actual policyholders and real insurance claims.

Policyholders should also know that BBB reviews are only publicly visible for three years. A firm with a long history in Arizona may not show decades of reviews even though they have handled claims for many years. In these cases, a consistent BBB rating and long standing accreditation are strong indicators of credibility.

Platforms like Google or Yelp can still provide insight, but they have limitations. Anyone can leave a review on those platforms, even without being a client or having an actual claim. Some reviews may come from phone calls or brief interactions unrelated to claim handling.

For this reason, policyholders should focus on review quality, detail, and platform credibility rather than star counts alone.

An unusually high number of reviews can be a red flag

Public adjusting is not a high volume business. Insurance claims take time.

In Arizona, wind, hail, fire, and water damage claims often require months of inspections, documentation, and negotiation. A small public adjusting firm cannot realistically manage hundreds of claims at once.

If a firm has an unusually large number of reviews in a short time frame, policyholders should question how that volume is possible.

Generic reviews that lack detail

Not all reviews are equal.

Reviews that simply say “great job” or “good service” offer little value. Strong reviews usually describe how the public adjuster communicated, documented damage, negotiated with the insurance carrier, or stayed involved throughout the claim process. Detailed reviews are far more credible.

Pressure tactics or guaranteed results

Arizona policyholders should be cautious of public adjusters who pressure them to sign immediately or promise guaranteed outcomes. No ethical public adjuster can guarantee a claim result.

A professional Arizona public adjuster will explain the claim process, discuss realistic timelines, and allow policyholders time to make informed decisions.

What policyholders should look for in an Arizona public adjuster

A reputable Arizona public adjusting firm will be transparent, experienced, and accessible. Policyholders should know who is handling their claim, how long the firm has worked in Arizona, and how claims are managed from start to finish.

AJR Public Adjusters follows this approach. Claims are handled directly by experienced, licensed public adjusters, not handed off to unknown staff. AJR has a long established presence in Arizona, a consistent BBB history, and a hands on approach that reflects the complexity of property insurance claims.

Final thoughts for Arizona policyholders

A property insurance claim can have a major financial impact. Take time to research before hiring a public adjuster. Verify licensing, review independent platforms, and ask direct questions.

For Arizona policyholders, experience, transparency, and accountability matter far more than marketing claims or inflated review numbers.

Protecting Policyholders: Our Commitment at AJR Public Adjusters

Integrity Isn’t an Option—It’s the Standard at AJR Public Adjusters

Every so often, a review reminds us why we do what we do.

Recently, a homeowner, Larry K., shared how Bruce took the time to walk him through the insurance claim process—even though AJR couldn’t take on his particular claim. When Larry offered to pay for his time, Bruce politely declined. As Larry put it, “We don’t see that kind of service in many places these days.”

That sentiment perfectly reflects what AJR Public Adjusters stands for: genuine care, professional guidance, and doing what’s right—whether or not someone becomes a client. It’s about integrity, not transactions.

We know that when property damage happens—whether from fire, flood, or storm—people feel overwhelmed. The insurance process is confusing, with tight deadlines, and it’s hard to know who to trust. That’s why we lead with honesty first. Even if we can’t formally represent someone, we believe sharing guidance and clarity has real value.

At AJR Public Adjusters, our goal isn’t just to settle claims—it’s to help policyholders understand their rights and make informed decisions. With more than 37 years of experience in insurance claim recovery, Bruce has seen how the slightest bit of clear direction can change the entire outcome of a situation.

We’re proud that clients and callers alike describe us as responsive, transparent, and knowledgeable. Whether we’re managing a complex fire loss or simply explaining next steps to a homeowner, our focus stays the same:

Protect the policyholder, not the insurance company.

That commitment has earned us an A+ BBB rating, but more importantly, it’s earned trust—something we never take for granted.

So to Larry and others who’ve taken the time to share their experiences, thank you. Your words remind us that professionalism, kindness, and integrity still make a difference—and they always will at AJR Public Adjusters.

What to Consider When Selecting a Public Adjuster

How to Choose the Right Public Adjuster: A Guide for Insureds After a Property Loss

At AJR Public Adjusters, we are honored when insureds turn to us immediately after experiencing a property loss. However, we understand that some may want to explore other options before making a decision. Choosing the right public adjuster is an important step in your recovery, and it deserves careful consideration.

To support you in that process, we’ve created a comparison checklist to help guide your search. This tool outlines key criteria to look for when evaluating public adjusting firms. It’s designed to ensure you partner with a company that aligns with your values, communicates clearly, and has the experience to advocate for you effectively.

One important note as you review online feedback: not all review platforms are created equal. The Better Business Bureau (BBB) only accepts reviews from verified clients of a business. Other sites may allow anyone to leave feedback — including non-clients or acquaintances — which can sometimes create a misleading picture.

As you read through reviews, pay close attention to the language used. Look for specific details that suggest the reviewer actually worked with the company. A strong review often includes references to communication, claim results, timelines, or how the adjuster supported them through the insurance process. Vague praise without context or substance can be a red flag.

Above all, trust your instincts. The firm you choose should not only be skilled and reputable but should also feel like a good fit for you. You deserve an advocate who listens, explains the process clearly, and works in your best interest from day one.

If you’d like a copy of our public adjuster comparison checklist, feel free to download it or contact us directly. We’re here to help you make an informed, confident decision. We can always be reached at 602-795-5227.

comparison checklist june 2025 Download

Tips for Choosing a Public Adjuster After Arizona Storms

As we start the monsoon season here in Arizona, property owners need to stay alert. Be cautious not just of the storms themselves but also of the wave of people who show up afterward.

After a significant storm, individuals often knock on your door offering quick fixes or promising big insurance payouts. Some are trying to be helpful, but many are simply trying to drum up business. They often lack a fundamental understanding of the claims process. Promises are made that don’t hold up once insurance complications arise.

Before agreeing to work with anyone, read their reviews and look at the types of claims they’ve actually handled. If you see a pattern of “they knocked on my door,” there’s your answer. Here is a link to the AJR Reviews. You can learn more about who we are. Find out what we can do.

At AJR Public Adjusters, we do things differently. We don’t chase storms. We rely on our reputation, our A+ rating with the Better Business Bureau (BBB), and the referrals of satisfied clients. With over 35 years of industry experience, Bruce brings unmatched knowledge and results to every claim. Other firms have been in Arizona longer, but no one offers the depth of skill that Bruce does.

If you’ve suffered property damage, make sure you’re working with the right professional. AJR is here to help you get what you deserve.

Call us at 602-795-5227 or reach out here

Essential Monsoon Season Preparation for Arizona Policyholders

Arizona Monsoon Season Is Coming — Prepare Now

Arizona’s monsoon season runs from June 15 through September 30. It brings intense storms that can cause sudden and severe property damage. High winds, heavy rain, dust storms, and flash flooding are all common — and often unpredictable.

Before the storms hit, take these steps to protect your home or business:

Inspect your roof and seal any potential leaks
Trim back trees and remove weak or overhanging branches
Secure or store outdoor furniture and loose items
Clean gutters and downspouts
Review your insurance policy to understand what’s covered

AJR Public Adjusters has proudly served Arizona policyholders for 12 years. Bruce brings over 35 years of public adjusting experience. We’re accredited by the Better Business Bureau and hold ourselves to the highest ethical standards. When you work with AJR, you work directly with Bruce or Stacy. Your claim is never handed off to someone unfamiliar.

If monsoon damage affects your property, we’re here to help. We’ll guide you through the claims process and fight to ensure you receive the fair settlement you deserve.

AJR Public Adjusters — 602-795-5227
Trusted. Experienced. Ethical. On your side.

Why Policyholders Need Protection: Key Takeaways from the Senate Hearing on Insurance Claim Practices

Last week’s hearing on Capitol Hill, titled “Examining the Insurance Industry’s Claims Practices Following Recent Natural Disasters,” highlighted a serious issue. An issue that is finally receiving the long-overdue attention it deserves and affects homeowners nationwide. As storms and disasters become more frequent and severe, too many policyholders find themselves underpaid. They experience delays or are denied by their insurance carriers. This happens when they need help the most.

The public deserves better. Transparency, accountability, and fair treatment should not be optional. Policyholders have the right from the very beginning to seek guidance and protection by hiring a licensed public adjuster.

That’s exactly why AJR Public Adjusters exists. We work solely for the insured—not the insurance company. Our goal is to level the playing field. We want to ensure the claim process is clear and fair. We also aim to help our clients avoid the all-too-common frustrations highlighted during this hearing.

If you’re dealing with property damage or simply want to understand your rights, we’re here to help. We will help you every step of the way.

Click on the link above to access the hearing for anyone who would like to learn more.

#InsuranceClaims #PublicAdjuster #NaturalDisasterRecovery #PolicyholderRights #TransparencyMatters #AJRPublicAdjusters #ArizonaBusiness #ClientAdvocacy #StormDamage #FairClaimsProcess

Empowering Policyholders: Bruce Horowitz’s Journey

Every journey has defining moments. For Bruce Horowitz, those moments were grounded in a lifelong commitment to fairness. They were also characterized by compassion and a willingness to stand up for those without a voice. Bruce was passionate about helping others. He had a relentless drive to bring about meaningful change. His path to becoming a trusted public adjuster was shaped long before he ever entered the insurance world.

A Personal Beginning

From an early age, Bruce understood the importance of speaking up for others. In his community and within his family, he developed a strong sense of justice. He also had a commitment to verify that people received the support they deserved. These early values would later form the foundation of his career.

Bruce’s professional journey began in his family’s insurance business in Philadelphia. There, he gained hands-on experience and observed the often-adversarial relationship between policyholders and insurance companies. Witnessing how many people felt overwhelmed and underrepresented during the claims process sparked a deep motivation to make a difference. He realized that most policyholders didn’t fully understand their rights — or the actual value of their claims.

Motivated to level the playing field, Bruce left the family business and launched AJR Insurance Consultants in South Carolina. After relocating to Arizona, he renamed the company AJR Public Adjusters. This change solidified his focus on licensed public adjusting services. It also emphasized policyholder advocacy. From the beginning, the firm was built on a simple principle. Every client deserves personal attention. Clients also need honest guidance. They must have strong representation.

The Turning Point: Empowering Policyholders

Through years of experience, Bruce gained invaluable insight into the inner workings of the insurance claims process. But what truly set him apart was his empathy. He understood what it felt like to be on the other side of the claim. People feel confused by technical language. They are uncertain about the next steps. They face an uphill battle after a loss.

Bruce’s role, he believed, wasn’t just about interpreting policy language or negotiating settlements. It was about being a steady presence during some of life’s most difficult moments. For Bruce, public adjusting became more than a service — it became an opportunity to empower.

He committed himself to demystifying the claims process. He ensured clients understood their options and what was at stake. He helped them make informed decisions. His approach is rooted in transparency, education, and compassion.

Lessons Learned Along the Way

Throughout his career, Bruce has relied on key principles to guide his work:

🟦 The Power of Listening

Bruce learned that the most crucial part of any claim isn’t just the paperwork or negotiation, it’s listening. Understanding a client’s story, their loss, and their goals enables him to offer the most effective support and strategy.

🟦 Integrity Above All

In an industry where trust can be hard to come by, Bruce made integrity the cornerstone of his practice. He consistently prioritizes honesty, advocating for clients with transparency and helping them understand their rights.

🟦 Adaptability is Key

As the industry evolves, Bruce remains committed to learning and innovating. New technologies, changing regulations, and rising client expectations drive this evolution. He embraces tools that streamline the process without sacrificing the personalized service that defines AJR.

What Sets Bruce Apart

While many public adjusters focus solely on settlements, Bruce’s approach goes deeper. He doesn’t just want to win a claim — he wants clients to walk away feeling confident, informed, and respected. His goal is not only to maximize compensation, but to bring peace of mind in times of uncertainty.

Bruce is known for securing settlements that often exceed the initial offer made by insurance companies. He has deep industry knowledge and genuinely understands his clients’ needs. With this understanding, he bridges the gap between policyholders and insurers. He creates solutions that satisfy both parties.

A Legacy of Advocacy

For Bruce Horowitz, public adjusting isn’t just a profession — it’s a calling. His legacy is built on delivering clarity, support, and strong advocacy during life’s unexpected challenges. As a trusted advisor, he continues to redefine what it means to have a true partner during the claims process.

In an industry that often gets a bad reputation, Bruce stands as a beacon of integrity and professionalism. He doesn’t just adjust claims. He transforms the experience. He gives clients the support they need when they need it most.

✅ Call to Action

If you’re dealing with a property loss, and you feel unsure about your next steps. You don’t have to face the process alone. Seek guidance and support. Contact AJR Public Adjusters today for a free consultation. Let Bruce and the AJR team advocate for you with experience, compassion, and results that matter.

📞 Call us at (602) 795-5227
📩 Email: info@ajrpa.com
🌐 Visit o ur website

Why Choose AJR Public Adjusters: Our Commitment to Integrity

What’s New at AJR Public Adjusters: A Look Behind the Scenes

At AJR Public Adjusters, our commitment to helping homeowners and property owners recover after a loss hasn’t changed—but our impact continues to grow. With over 35 years of combined experience and an A+ rating from the Better Business Bureau, we’ve proudly continued to serve Arizona residents with personalized, professional claims representation.

Here’s a quick look at what we’ve been up to lately:

Expanding Our Reach Through Client Education

One of our biggest focuses this year has been education. Most people don’t realize the value of hiring a public adjuster until they’re deep into the stress of handling an insurance claim. That’s why we’ve been working hard to raise awareness through our updated website, community engagement, and helpful blog posts to inform property owners before a disaster strikes.

From sharing tips on how to prepare for monsoon season, to clearing up common myths about public adjusting, we’re doing our part to empower insureds with the knowledge they need to make the right choices after a fire, water loss, or storm damage.

Real Client Wins

Every claim we handle is personal. Unlike larger firms, we don’t hand off your file to someone else. When you hire AJR, you work directly with Bruce and Stacy—from start to finish.

This hands-on approach has led to some powerful client outcomes recently:

We helped a family recover from a devastating kitchen fire that their insurance undervalued.
A homeowner experiencing extensive water damage from a hidden pipe leak received a significantly increased settlement after we stepped in.
Several clients affected by monsoon roof damage were initially denied coverage, but with our involvement, their claims were re-evaluated and paid fairly.

These are just a few examples of how our advocacy directly impacts people’s lives.

BBB Accreditation: A Continued Commitment to Integrity

Since joining the BBB over a decade ago, we’ve used their platform to build trust and transparency with new clients. This year, we were honored to be nominated again for the BBB Torch Award for Ethics—a recognition that reflects how we treat our clients, our peers, and the adjusting profession as a whole.

We believe reviews on the BBB matter because they come from real clients, not just social media followers. That’s why we continue to encourage satisfied clients to share their stories there—it’s one of the most respected resources for homeowners researching trustworthy adjusters.

Client Testimonials: The Heart of What We Do

There’s nothing more rewarding than hearing from clients who feel truly seen and supported during the claims process. Lately, we’ve been spotlighting testimonials that highlight what sets us apart:

Consistent communication.
Patience and clarity when explaining the process.
The comfort clients feel knowing they have someone on their side—not the insurance company’s.

Many of our clients express that they wish they had called us sooner—and we’re working to make sure future clients know we’re just a phone call away when the unexpected happens.

Strengthening Industry Connections

As members of the Rocky Mountain Association of Public Insurance Adjusters (RMAPIA) and the National Association of Public Insurance Adjusters (NAPIA), we remain involved in compliance updates and ethical best practices. These memberships keep us sharp and informed so we can bring highly effective professionalism to each claim we handle.

We’ve also continued to build strong relationships with local professionals—contractors, restoration teams, and realtors—who recognize the value of having a public adjuster on board to ensure their clients are treated fairly by their insurance providers.

Technology Updates & Tools for Clients

To make the claims process smoother for our clients, we’ve started implementing better ways to share updates, organize documents, and stay in touch. Whether that means a simple text update, quick document scan via phone, or secure email follow-ups—we tailor our communication to fit the client’s comfort level.

Our goal is to keep things simple and stress-free, even when the situation feels overwhelming.

What We Stand For

At our core, AJR Public Adjusters stands for:

Truthfulness and transparency.
Client-first service, always.
A relentless commitment to maximizing recovery.

We don’t give up on our clients. From that first call to the final payment—and sometimes even beyond—we’re here to advocate, explain, and walk with you through one of the most difficult times a property owner can face.

Looking Ahead

We’re not slowing down. With monsoon and wildfire seasons on the horizon, we’re preparing to be a resource for Arizona homeowners who need urgent, experienced support. We’re also planning more outreach to make sure people know their rights when dealing with property insurance claims.

If you or someone you know experiences damage to a home or rental property, please don’t wait for the insurance company to take the lead. Call us first. A brief conversation can save you time, money, and a lot of stress down the line.

Contact AJR Public Adjusters
📍 Based in Phoenix, Serving All of Arizona
📞 Call Bruce Horowitz: (480) 519-9099
🌐 www.publicadjusteraz.com
✅ A+ BBB Accredited | RMAPIA | NAPIA

Thank you to all our past and present clients for trusting us. We’re proud of the work we’ve done together and look forward to continuing to serve Arizona with integrity and heart.