Tag: insurance

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.

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.

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.

How Do You Know the Right Steps to Take After a Property Insurance Claim? AJR Public Adjusters Can Help

Property Damage in Arizona: Why AJR Public Adjusters Should Be Your First Call.

When property damage strikes, the aftermath can feel overwhelming. Most homeowners and business owners don’t know the exact steps to take once a claim is filed with their insurance company. Missed deadlines, incomplete documentation, or poor communication can result in denied or underpaid claims.

That’s where AJR Public Adjusters steps in. With over 37 years of combined experience, AJR has been helping Arizona policyholders navigate the claims process and secure the fair settlements they deserve.

The Claims Process with AJR’s Assistance

Here’s how AJR guides you through every step of a property insurance claim:

1. Initial Contact and Damage Review

The first step is contacting AJR after you discover property damage. Bruce and Stacy personally review your situation, explain your policy coverage, and outline the process so you know what to expect from the start.

2. Documentation and Evidence Gathering

Insurance companies require detailed proof of damage. AJR helps you gather photographs, receipts, estimates, and reports. They ensure nothing is missed so your claim is fully supported.

3. Filing and Negotiating the Claim

Filing a claim can be confusing. AJR handles the paperwork, communicates with the insurance adjuster, and negotiates on your behalf. Their goal is to prevent delays and avoid the common pitfalls that lead to reduced settlements.

4. Settlement and Final Resolution

AJR’s experience ensures that you receive the maximum settlement available under your policy. From water damage and fire losses to storm and hail claims, they make sure policyholders are treated fairly.

Why Choose AJR Public Adjusters?

  • Local Arizona Expertise – Serving Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Glendale, Peoria, Tempe, and surrounding areas.
  • Policyholder Advocates – AJR works only for you, never for the insurance company.
  • Proven Results – A+ BBB rating, recognized as a top public adjuster in Metro Phoenix, and backed by decades of hands-on experience.

If you’re asking yourself, “What are the right steps to take after property damage?” the answer is simple: call AJR Public Adjusters first. (602) 795-5227. With AJR by your side, you’ll never face the insurance process alone.

Contact Bruce and Stacy today at AJR Public Adjusters and let Arizona’s trusted experts help you protect what matters most.

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 2025Download

Top-Rated Public Adjuster in Phoenix | AJR Public Adjusters #1 on Yelp

AJR Public Adjusters Ranked #1 on Yelp Again as Best Public Adjuster in Phoenix

We’re proud to announce a repeat achievement. AJR Public Adjusters has once again been ranked the top public adjuster in Phoenix, Arizona, on Yelp. This recognition reflects the trust Arizona homeowners and business owners place in us. They rely on us during some of their most stressful moments—when dealing with a property insurance claim.

At AJR, we don’t chase storms or rely on marketing gimmicks. Our reputation is built on over 35 years of hands-on experience in the public adjusting industry. We offer honest guidance and clear communication. We deliver results that make a difference. Every client works directly with Bruce Horowitz, not a rotating team or an unfamiliar representative. We believe in personal service backed by professional knowledge, and that approach is why so many policyholders choose AJR.

Choosing a Public Adjuster? Ask the Right Questions

If you’re searching for a public adjuster in Phoenix, Arizona, be sure to look beyond a polished website. This also applies if you’re looking anywhere in Arizona. Many companies list services, but not the actual individuals who work with the clients. Before signing with any firm, ask these critical questions:

If a company doesn’t clearly show who is behind the name, be cautious. If it doesn’t reveal how long they’ve been in the public adjusting business, be wary. Take that as a sign to dig deeper.

Why Clients Trust AJR Public Adjusters

With over three decades of experience, we are proud to serve the Arizona community. We have an A+ rating from the Better Business Bureau. We operate our business with integrity. We don’t just say we put clients first—we show it in every claim we manage. Our Yelp reviews, many of which come from repeat referrals, speak volumes about the quality of service we deliver.

Thank you to everyone who has taken the time to leave us a review. Thank you to those who have referred a friend or shared your experience. Your support helps us continue to advocate for policyholders the right way.

Need help with a claim? Call us at 602-795-5227. You can also visit our Yelp page. Discover why AJR continues to be the most trusted public adjuster in Phoenix.

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 our 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.

Public Adjuster Insights: How Hiring a Public Adjuster Can Maximize Your Insurance Claim

Public adjuster insights to start your week

Over the years, we have received many questions about public adjusters, and people are surprised they have never heard of this industry. Sometimes, they learn a little too late about the opportunity that exists when you hire a public adjuster.

Alright, let’s break this down from the very basics. Imagine something bad happens to your home or business—maybe a fire, a flood, or a storm. You’ve probably got insurance to help cover the costs of the damage, right? But when it’s time to file a claim and get the money back, it’s not always as easy as you think.

How can a public adjuster help with property damage? A public adjuster is a professional who helps you, the policyholder, with your insurance claim. Their main job is ensuring you get the full payout you’re entitled to, which is a bit more complicated than just asking for the money.

Here’s a simple way to look at it:

  1. You file a claim: Something happens to your property, and you contact your insurance company.
  2. Insurance assesses the damage: The insurance company will send someone (called an adjuster) to evaluate the damage and estimate how much it’s worth. But here’s the thing—the insurance company’s adjuster works for the insurance company, not for you.
  3. Where a public adjuster comes in: You can hire a public adjuster. They’ll work only for you (not the insurance company). They come in, look at the damage, and make sure the insurance company offers a fair payout based on your policy.

Think of a public adjuster like a guide who knows how to navigate the complicated world of insurance. They’ll do everything from reviewing your policy to dealing with the insurance company directly, all to make sure you don’t get shortchanged. In exchange, they typically take a small percentage of the claim amount as payment, but only if you actually get paid.

In short, the benefits of hiring a public adjuster are they help level the playing field between you and the insurance company, so you don’t have to go through it alone. They’re there to ensure you’re treated fairly, get the compensation you deserve, and reduce the stress of dealing with insurance claims. Does that help clear things up?

What to do after property damage in Arizona: Learn how a local and trusted public adjuster in Arizona can help you navigate insurance claims and maximize your payout. With over 35 years of experience, Call AJR Public Adjusters first. As Arizona home insurance experts with 35+ years of experience and an A+ BBB rating, we are onyour side when it matters most.

Get Professional Insurance Claim Help Before It’s Too Late

Example Scenario:

The Story of the Unseen Pitfalls:

It was a stormy night when Sarah’s home suffered significant damage. The winds were fierce; by morning, part of her roof had collapsed, her living room flooded, and several of her belongings were ruined. Devastated, she immediately called her insurance company to start the claims process. Confident that the process would be straightforward — after all, she’d paid her premiums for years, and the policy was supposed to cover this kind of damage — Sarah didn’t hesitate to make the call.

However, Sarah didn’t know that this initial contact with the insurance company was a critical moment in the claims process. She should have contacted the local NAPIA firm AJR Public Adjusters immediately before contacting her insurance company to ensure her interests were fully represented. By contacting the licensed local Arizona AJR Public Adjusters immediately, Sarah could have ensured that her damages were accurately documented, the full scope of loss was assessed, and the insurance company wouldn’t undervalue her claim.

The insurance company promptly sent an adjuster to assess the situation. Sarah explained everything: the roof, the water damage, and the items she’d lost. The adjuster seemed sympathetic, but his appraisal was quick and far less generous than Sarah expected. When the check arrived, it barely covered the cost of repairs, let alone replacing her valuable belongings or addressing the full extent of the damage.

Feeling frustrated but not knowing what else to do, Sarah accepted the settlement and started the repairs herself. However, as she began to fix the roof, she noticed more issues—structural damage that the insurance adjuster had missed. It quickly became apparent that she couldn’t restore her home to its previous condition without spending more than the settlement had provided.

A few months later, Sarah spoke to a friend, Jake, who had gone through a similar experience. He mentioned how he’d hired a public adjuster when his home was damaged in a fire. Jake explained that the public adjuster had fought for a fair claim, found hidden damages, and ultimately helped him secure a settlement covering all his repairs and losses.

It was then that Sarah realized the mistake she had made. By not hiring a licensed public adjuster right away, she had allowed the insurance company’s adjuster — who worked for them, not her — to determine what was fair. She hadn’t known her rights or the full extent of the damages. A public adjuster could have advocated for her and ensured the damage was thoroughly documented and assessed.

A Lesson That Applies to Many AJR Clients:

While Sarah is a fictional example, this story reflects a common experience shared by many of the clients AJR Public Adjusters works with. Often, homeowners find themselves in similar situations — facing low insurance payouts, missing damages, and mounting stress after a disaster. AJR Public Adjusters understands Sarah’s pitfalls and is here to help. As a BBB A+ rated company, AJR is committed to advocating for clients like Sarah, ensuring that every hidden damage is uncovered and that settlements genuinely reflect the extent of the losses.

An Example Demonstrating What Sarah Learned:

  1. Insurance Adjusters Work for the Company, Not You: Sarah didn’t fully understand the role of the insurance adjuster until after the fact. While the adjuster appeared kind and professional, his primary responsibility was to protect the insurance company’s bottom line, not her interests. A public adjuster works for you, ensuring your damages are fully assessed and you receive a fair settlement.
  2. Hidden Damages Matter: The insurance adjuster didn’t notice specific structural damage Sarah discovered. AJR Public Adjusters have the expertise to identify hidden damages that might not be obvious at first glance, ensuring that all the damages are accounted for.
  3. You Have the Right to Negotiate: Sarah didn’t know that she could challenge the initial claim settlement. Public adjusters like AJR are skilled negotiators who know the insurance industry’s ins and outs. They can leverage their knowledge to negotiate a higher settlement if the first offer is unfair.
  4. Time and Stress Are Valuable: Handling the insurance claim independently added stress and frustration to a problematic situation. By hiring AJR Public Adjusters immediately after the loss, Sarah would have been able to focus on her recovery, knowing that a professional was handling the complicated insurance process for her.

The Takeaway for Others:

If you’re ever faced with a significant insurance claim, especially one involving extensive damage, contact AJR Public Adjusters immediately. At the same time, it might feel like an extra expense upfront; their expertise and advocacy can save you money in the long run. They ensure that the full scope of your damages is recognized and that the settlement is fair — helping you avoid the mistakes that can lead to further financial strain and frustration.

While not about an actual AJR client, this story applies to many homeowners facing the same challenges. AJR Public Adjusters has helped countless clients like Sarah who have faced underpaid claims or overlooked damages. If you don’t fully understand your policy or if your damages are significant, don’t hesitate to seek out the help of AJR Public Adjusters. Contact them immediately to ensure you’re getting the fair compensation you deserve.

AJR Public Adjusters is a trusted partner in navigating the complexities of insurance claims. Their A+ Better Business Bureau rating shows their dedication to outstanding service and client advocacy. If you find yourself in a similar situation, don’t face it alone — contact AJR Public Adjusters immediately to help you recover the compensation you’re entitled to.