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
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! ✅
As Hurricane Milton approaches the Florida Gulf Coast, it’s crucial to prioritize safety and preparedness. Here are some suggestions from our national association NAPIA for what to do after the hurricane arrives.
Please stay safe, heed all warnings from authorities and know that property can always be restored, your health and safety are most important at this time.
When you are able to return to your property, assess the damages and contact a public adjuster in the area to help with recovery from your insurance company.
AJR Public Adjusters does not hold a license in the state of Florida, but we have many connections and may be able to help you locate someone who can assist you.
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
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.
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.
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
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.
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.
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%).
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
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.
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.
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.
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
Expertise and Experience:
Public Adjusters bring specialized knowledge and experience to the table, which can be particularly valuable when dealing with complicated claims.
Time-Saving:
Managing an insurance claim can be time-consuming. A Public Adjuster handles the details, allowing policyholders to focus on other priorities.
Advocacy:
They advocate on behalf of the policyholder, working to ensure that all damages are properly assessed and that the claim is settled fairly.
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.
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?
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.
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.
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.
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.
As wildfires continue to develop in AZ this summer, Here is a current map today, June 24, 2024, from azcentral
Keep in mind, engaging a public adjuster during wildfire season can significantly benefit you by providing professional expertise, thorough damage assessment, effective negotiation, and overall support throughout the claims process.
This can lead to a more favorable settlement and help you recover more quickly and fully from the devastating effects of a wildfire
If you need us we are available, call for free consultation,
During monsoon season, property damage can be extensive due to heavy rains, floods, and windstorms. Here’s why you should consider contacting a public adjuster if you suffer property damage:
Expertise in Insurance Claims: Public adjusters are professionals who specialize in insurance policies, coverage, and claims processes. They understand the nuances of insurance policies and can navigate the complex claims process more efficiently than most homeowners.
Maximize Your Claim: Public adjusters work for you, not the insurance company. They will assess the damage thoroughly, ensuring that all losses are properly documented and accounted for in your claim. They can help you maximize the compensation you receive from your insurance company.
Negotiation Skills: Public adjusters are skilled negotiators. They can communicate effectively with insurance companies on your behalf, advocating for fair compensation for your losses. Their expertise can help ensure that you receive the full amount you are entitled to under your policy.
Save Time and Stress: Dealing with insurance claims can be overwhelming, especially during a time of distress such as property damage from a natural disaster. By hiring a public adjuster, you can offload the burden of managing the claim process, allowing you to focus on other priorities while knowing that your claim is in capable hands.
Avoid Underpayment or Denial: Insurance companies may try to minimize payouts or deny valid claims. A public adjuster can help prevent underpayment or denial by providing thorough documentation of the damage and advocating for your rights as a policyholder.
Experience with Monsoon Damage: Public adjusters often have experience dealing with property damage caused by natural disasters like monsoons. They understand the unique challenges and complexities associated with these types of claims, allowing them to provide tailored assistance to homeowners in need.
Overall, hiring a public adjuster can significantly improve your chances of a successful insurance claim outcome and expedite the recovery process following property damage during monsoon season.
For your next property insurance claim in Arizona, contact AJR Public Adjusters. We are the #1 Public Adjuster in the Valley, with over 35 years of experience and an A+ Better Business Bureau rating.
A client we recently assisted here in Arizona reached out to us with a unique request—help for a friend in need in another state. We at AJR only hold a public adjuster license here in Arizona, but due to our 35+ year membership in NAPIA (National Association of Public Insurance Adjusters), we are able to connect you with public adjusters in other states.
Reflecting on her own experience with us, she couldn’t help but marvel at the seamless support, professionalism, and genuine care she received. She found solace in our team’s commitment to excellence and our unwavering dedication to her satisfaction. And so, when her friend faced a similar predicament in another state, she knew exactly where to turn.
But what struck us most wasn’t just the gratitude expressed for the assistance we provided. It was the genuine confusion as to why more people don’t automatically seek out companies like ours for help. And honestly, we couldn’t agree more.
At AJR Public Adjusters, we don’t just see clients – we see people, each with their unique story and set of challenges.
Understanding that life can throw curveballs when we least expect it, we know the value of a guiding hand from someone with over 35 years of expertise in the field. At AJR, we’re equipped not only with experience but also with the same license as an insurance adjuster, ready to level the playing field when the unexpected strikes.
Our journey in this industry has taught us that sometimes, what people need most is someone who understands the ins and outs, someone who can navigate the complexities with ease and assurance. And that’s exactly what we strive to offer – a steady, experienced hand to guide you through even the toughest of times.
So whether you’re facing a challenge here in Arizona or across the country, rest assured that we’re here for you. Our commitment to excellence knows no bounds, and we’ll go above and beyond to ensure you receive the support and care you deserve. You can view additional comments from previous clients here.
Because when life throws you a curveball, having someone in your corner who’s seen it all can make all the difference in the world. 💪 #ExperiencedSupport #LevelingThePlayingField #HereForYou”
So to our client who reached out on behalf of her friend, thank you for reaching out . And to everyone else out there, know that we’re here for you, no matter where you are or what you’re facing. Because at the end of the day, it’s not just about providing a service – it’s about forging connections and making a positive impact, one person at a time. 💙 #ClientCare #GoingTheDistance #MakingADifference”
At AJR, we understand that dealing with insurance claims can be overwhelming. That’s why we’re here to simplify the process and ensure you get the maximum compensation you deserve.
With our A+ rating from the Better Business Bureau (BBB), you can trust that you’re working with a company that prioritizes integrity, professionalism, and excellence in service.
Videos related to AJR Public Adjusters. Arizona’s best Public Insurance Adjuster, representing policyholders with insurance claims to maximize recovery.
Insurance Companies have licensed adjusters, and policyholders are entitled to the same.
Testimonials and examples of claims we can handle.
What are steps to take to help prevent a property insurance claim
Though this may seem counterproductive to our business here at AJR Public Adjusters, we like to provide helpful information. If we can give suggestions to help you protect your property from an insurance claim, that is a plus for everyone involved. We don’t like to see people dealing with the stress of an insurance claim; even when AJR Public Adjusters is the front line to the insurance company, there is still stress on the property owner that we can never alleviate.
Preventing property insurance claims often involves proactive measures to mitigate risks and maintain the safety and security of your property. Here are some steps you can take to prepare and prevent property insurance claims:
Regular Maintenance: Ensure that your property undergoes regular maintenance checks. This includes inspecting the structural integrity, electrical systems, plumbing, and HVAC systems. Fix any issues promptly to prevent them from escalating into larger problems.
Risk Assessment: Identify potential risks to your property such as fire hazards, water damage, theft, or natural disasters. Take steps to mitigate these risks, such as installing smoke detectors, fire extinguishers, security cameras, and alarm systems.
Weatherproofing: Weather-related damage can be a significant risk to your property. Weatherproof your property by sealing windows and doors, reinforcing roofs, and clearing gutters and drains regularly to prevent water damage.
Security Measures: Implement security measures to protect your property from theft and vandalism. This may include installing security alarms, motion-sensor lights, sturdy locks, and security cameras.
Insurance Coverage Review: Regularly review your insurance policy to ensure that you have adequate coverage for your property. Consider additional coverage options for specific risks that may not be included in your standard policy. If you have any questions, please reach out to AJR Public Adjusters at 602-795-5227. We can tell you what we suggest from a claim perspective.
Documentation: Keep thorough records of your property, including photos, receipts, and documentation of valuable items. This will be helpful in the event of a claim, providing evidence of the property’s condition and the value of any lost or damaged items. AJR Public Adjusters uses this information to help document & price your claim for reimbursement.
Emergency Preparedness Plan: Develop an emergency preparedness plan outlining procedures to follow during a disaster or emergency. Make sure all occupants of the property are familiar with the plan and know what to do in case of an emergency. If a claim should occur, your first call to AJR Public Adjusters will help begin the process. We will help you report the claim and get started immediately with our team to help mitigate your damages and secure an estimate to negotiate for settlement.
Training and Education: Educate yourself and others who occupy the property about safety procedures and best practices for preventing accidents and injuries. This may include fire safety training, first aid training, and awareness of potential hazards.
Regular Inspections: Conduct regular inspections of your property to identify any potential hazards or maintenance issues. Addressing problems early can help prevent them from causing more significant damage later on.
Communication with Insurance Provider: Maintain open communication with your insurance provider. Inform them of any changes to your property or occupancy that may affect your insurance coverage.
By taking these proactive measures, you can help minimize the likelihood of property insurance claims and protect your property from damage or loss.
Even after taking the steps above, if your property suffers a property insurance claim, be sure to have AJR Public Adjusters, telephone number 602-795-5227, handy to call us first to let us help you report your claim and begin the recovery process.
AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona 