arizona insurance claims – AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona

How AJR Simplifies Insurance Claims After Storms

Unprecedented Storms Stress the Claims Process and How AJR Helps

In recent months, Phoenix and the greater Arizona region have seen storms unlike anything in recent memory. One event dropped over 3 inches of rain in the metro area by October 12, the heaviest for that period in years (azwater.gov).

With so much heavy rain, strong winds, and rapid-onset damage, home and business owners across Arizona are facing a surge of claims. The volume and complexity are putting pressure on everyone: homeowners, insurers, and public adjusters like us at AJR Public Insurance Adjusters.

Why These Storms Are Especially Difficult

• The heavy rainfall and wind create multiple types of damage at once. Flash flooding, roof damage, wind-blown debris, and dust storms all hit together.
• Insurers are overwhelmed with claims, which causes delays in response, inspections, and payouts.
• Many homeowners don’t have records of their property’s condition before the storm. That slows the claim process.
• Adjusters sent by insurers may not be familiar with the unique damage caused by Arizona storms, so claims may be undervalued.
• The longer a claim drags out, the more frustrated people become.

What AJR Does to Help

• Fast claim evaluations: We review your claim quickly to evaluate damage while it’s fresh. We then determine the best course of action to move forward with representation from AJR
• Detailed documentation: We help you pull together all your paperwork, policy, receipts, depreciation info, and more to build a strong claim.
• Localized knowledge: We know how Arizona storms work. We can explain to insurers how dust, rain, hail, and wind combined to cause the damage.
• We fight for you: Insurers often push back, calling it “wear and tear” or “maintenance.” We push back harder. You don’t pay us up front; our fee is due only when the claim is settled and when checks are issued.
• Clear communication: We explain everything in plain language, so you know what’s happening at each step.
• We stick around: Once you’re an AJR client, we stay available for anything related to the claim we helped with. Whether new issues arise or questions come up months later, we’re here to help you through it.

What You Should Do Now

If a recent storm damaged your property, here’s what to do:
1. Take lots of photos and videos.
2. Gather your insurance policy and any receipts for repairs or valuables.
3. Call a public adjuster early. The sooner we’re involved, the better your outcome will be.

Why Your Trust Matters

Storms like these test the whole system. When claims stall or payouts fall short, people lose trust in insurers and the process. At AJR, we take that seriously. Our job is to be there when things are hard, to represent you clearly, and to work the claim correctly. We are here to protect you and your claim, and we do it with care, experience, and urgency.

Our Reputation Is Built on Trust

At AJR, our reputation matters. We’ve built it through consistent, reliable, and responsive service during some of the most stressful moments our clients face. That’s why we’ve earned and maintained an A+ rating with the Better Business Bureau. Our website features testimonials from real clients who trusted us with their claims and were glad they did. When you work with us, you’re not just getting help with a claim—you’re choosing a team known for standing by its clients and delivering results.

Expert Public Adjusters in Arizona: Get Maximum Claim Compensation

AJR Public Adjusters, LLC is a trusted and experienced public adjusting firm based in Phoenix, Arizona, dedicated to representing policyholders—not insurance companies—in property insurance claims. With over 35 years of industry expertise, AJR specializes in managing a wide range of property loss claims, including fire, water damage, theft, hail, monsoon, and hurricane-related damages .

Founded by Bruce L. Horowitz, a seasoned public adjuster with a legacy in the field, AJR Public Adjusters is committed to providing personalized and attentive service to clients throughout Arizona . The firm offers comprehensive claim handling services, from initial damage assessment and policy review to detailed documentation and negotiation with insurance companies, ensuring clients receive fair and maximum compensation for their losses.

AJR Public Adjusters holds an A+ rating from the Better Business Bureau and is a proud member of the Rocky Mountain Association of Public Adjusters (RMAPIA) and also the National Association of Public Insurance Adjusters (NAPIA), always adhering to the highest standards of ethics and professionalism in the industry .

For property owners facing the challenges of insurance claims, AJR Public Adjusters stands as a reliable advocate, offering expert guidance and dedicated representation to navigate the complexities of the claims process

Navigating Arizona Insurance Claims: AJR Public Adjuster’s Step-by-Step Guide

Property insurance claims can be tricky, and by understanding the common mistakes people make in Arizona, AJR Public Adjusters can help you navigate the process more effectively.

Why hire AJR Public Adjusters for property insurance claims?

Following the steps below will help you bypass common mistakes when filing insurance claims.

1. Initial Contact with AJR Public Adjusters

Action: Reach out to AJR Public Adjusters (602) 795-5227 immediately after the damage occurs.
Solution: Contact AJR to schedule a consultation. We will review your policy and help you understand your coverages. We will guide you through the entire claims process, explaining the specifics of what you are entitled to under your insurance policy.

2. Free Consultation and Policy Review

Action: Review your property insurance policy with an AJR Public Adjuster.
Solution: AJR will examine your policy to confirm that your coverage matches the damage incurred. This step ensures you’re claiming for the right damages (e.g., water, fire, storm damage) and not missing important coverages.

3. Documenting the Damage

Action: Allow AJR Public Adjusters to document the damage on your property.
Solution: AJR will send a licensed adjuster to your property to thoroughly document the damage. We will bring out an estimator to assess damages and take photos, videos, and detailed notes to establish the full extent of the loss, which will be crucial for maximizing your claim. This documentation will often be much more thorough than you might do alone.

4. Estimate of Loss

Action: AJR will work with contractors and experts to get an accurate estimate of the cost to repair the damage.
Solution: AJR Public Adjusters will hire licensed contractors and specialists to provide detailed estimates of repair or replacement costs. This estimate will form the foundation of your claim. AJR’s expertise ensures that the estimate is fair and comprehensive, covering all necessary repairs and replacements.

5. Filing the Claim

Action: AJR will submit the claim on your behalf after you have approved the estimate created.
Solution: AJR Public Adjusters will take care of submitting your claim to the Insurance Company and ensure that all required forms and documentation are appropriately filed. We will also ensure that the claim is filed promptly, in line with any time limits stated in your policy.

6. Insurance Company Interaction

Action: Allow AJR to communicate directly with your insurance company.
Solution: AJR will handle all communication with your insurance company, relieving you of dealing with adjusters, claims representatives, or disputes. We will ensure that your insurer does not undervalue your claim or delay processing, and we will negotiate for the best settlement possible.

7. Insurance Adjuster’s Inspection

Action: Coordinate with AJR so the insurance company’s adjuster can inspect your property.
Solution: AJR will accompany the insurance company’s adjuster during their inspections of your property. We will ensure the adjuster conducts a thorough evaluation and that no damage is overlooked. AJR will also advocate for your interests if the insurance company’s adjuster misses anything or undervalues the damage.

8. Review Settlement Offer

Action: Review the insurance company’s settlement offer with AJR.
Solution: Once the insurance company provides a settlement offer, AJR will thoroughly review it. We will assess whether the settlement is fair and based on a full damage assessment

9. Negotiating the Settlement

Action: If necessary, AJR will negotiate with your insurance company.
Solution: If the initial offer is unsatisfactory, AJR will utilize our 35+ years of experience and continue negotiating with your insurance company to increase the payout. This could involve presenting additional evidence and re-negotiating the repair estimates.

10. Appealing the Decision (if needed)

Action: If you disagree with the insurance company’s final decision, AJR will guide you through the appeals process.
Solution: If your claim is denied or the settlement is still too low, AJR Public Adjusters will inform you of your options, which begin with an appraisal ( which is explained in your policy), which is your duty before ever filing a lawsuit.

11. Final Settlement and Repair

Action: Accept the settlement and proceed with repairs.
Solution: Once AJR has secured a fair settlement, you will receive the payout and can move forward with repairs. AJR will continue assisting you throughout the repair process to ensure the settlement covers all necessary repairs and replacements.

12. Continued Support (if needed)

Action: Reach out to AJR for any further assistance after settlement.
Solution: Even after the claim is settled, you can continue to rely on AJR to advocate for you.

Key Benefits of Using AJR Public Adjusters:

Expert Negotiators: AJR has the knowledge and experience (35+ years) to ensure you get the most money possible for your claim.
No Upfront Cost: AJR works on a contingency fee basis, meaning we only get paid a percentage of the settlement when the insurance company issues checks. This makes our services affordable and aligned with your best interests.
Less Stress for You: With AJR handling all the paperwork, negotiations, and communication with the insurance company, you can focus on recovering from the loss without worrying about the claims submission process.
Maximized Payout: AJR’s goal is to ensure you get the maximum payout possible based on your policy, which often results in higher compensation than if you handled the claim alone.

By utilizing AJR Public Adjusters as your advocate, you’re ensuring that you have a professional on your side who will work hard to get you a fair settlement for your property insurance claim.