A recent client shared a reminder of why personal attention matters in this industry:
“Bruce is simply the best…His coordination with the mitigation company was crucial in preventing even more damage when my roof collapsed…I would highly recommend Bruce and AJR…. Don’t go it alone.”
Property damage is confusing and urgent. When someone’s roof collapses or water spreads through a home, they shouldn’t have to fight an insurance company at the same time. Having someone manage the claim, coordinate mitigation, and protect coverage can completely change the outcome.
At AJR Public Adjusters LLC– Representation for you NOT insurance company for real property claims —we believe every policyholder deserves direct guidance, not a call center. Bruce Horowitz handles each claim personally, start to finish, because your home is too important for guesswork.
Grateful for the trust our clients place in us. We’ll always be here when the unexpected happens.
Tag: insurance claim help
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.
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
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.
Top 5 Mistakes When Filing a Homeowner or Business Insurance Claim and How to Avoid Them
Filing a claim alone doesn’t guarantee you will receive a fair settlement. Hiring a public adjuster puts you on the same playing field as the insurance adjuster. Hiring a local licensed public adjuster, helps maximize your settlement by advocating for you and providing the insurance company with the proper values of your claim based on the coverage you’ve paid for in your policy.
Here are the top five mistakes insureds often make when filing a property insurance claim and how hiring a public adjuster can help prevent these issues:
1. Not Documenting the Damage Properly
Mistake: One of the most common mistakes is failing to take clear photos or videos of the damage or loss. Without proper documentation, it can be challenging to prove the extent of the damage to the insurance company.
Solution: A public adjuster can be incredibly helpful in providing proper documentation. They specialize in assessing and documenting damage thoroughly and accurately, ensuring that no aspect of your loss goes unnoticed. They are trained to capture the necessary photos, videos, and other forms of evidence in a way that aligns with the insurance company’s requirements.
Additionally, public adjusters deeply understand the policies and types of documentation that insurers need to properly evaluate a claim, which can help you avoid the common mistake of missing key details. Their expertise can also help you present your case more effectively, especially if the insurance company challenges the extent of the damage.
By hiring a public adjuster, you benefit from a professional who will advocate on your behalf, ensuring that all damages are documented correctly and that your claim is as accurate and complete as possible. This can significantly improve the chances of maximizing the settlement from your insurance provider.
2. Waiting Too Long to File the Claim
Mistake: Delaying the filing of a claim can lead to complications. Many insurance policies have strict time limits for reporting claims, and waiting too long may result in a denial.
Solution: A public adjuster is essential when it comes to navigating the strict time limits for filing insurance claims. Insurance policies often have specific deadlines for reporting damage, and missing these deadlines can result in claim denials, leaving you without the support you need. Public adjusters are experts in understanding these timelines and can ensure that your claim is filed promptly and within the required period.
In addition, public adjusters expedite the claims process by managing the paperwork, coordinating inspections, and ensuring that all necessary information is submitted to the insurance company promptly. They can also help you avoid mistakes that might cause unnecessary delays, such as incomplete documentation or missed details.
By working with a public adjuster, you gain an advocate who is knowledgeable about the claims process and can act quickly to meet critical deadlines, reducing the risk of complications and improving the likelihood of a successful claim.
3. Not Reviewing Your Insurance Policy
Mistake: Failing to fully understand your policy’s coverage, exclusions, and limits can result in unpleasant surprises. You may find that certain types of damage aren’t covered or that your deductible is higher than expected.
Solution: A public adjuster is crucial in helping you fully understand your policy’s coverage, exclusions, and limits. Many homeowners aren’t aware of all the fine print in their policies, and a public adjuster can help clarify what is and isn’t covered. They are experts in reviewing complex insurance language and can help you understand your policy to ensure you know the coverage available.
In cases where certain damages may not be covered or where you may have a higher deductible than anticipated, a public adjuster can help explain these details before you file your claim. They also know how to present your case in a way that maximizes your chances of receiving compensation for damages that fall within your policy’s coverage, potentially identifying areas where the insurance company might overlook or undervalue your claim.
Ultimately, working with a public adjuster ensures that you don’t encounter unexpected surprises, and it gives you a clearer understanding of what your policy entails, making sure you’re properly prepared when filing your claim. Their expertise in policy review and claim negotiation can help you avoid costly mistakes and ensure a fair payout based on your coverage.
4. Making Unnecessary Repairs Before the Adjuster Inspects
Mistake: Many homeowners make temporary repairs or clean up the damage before the insurance adjuster arrives. While it’s important to prevent further damage, making permanent repairs too soon can lead to complications in the claims process.
Solution: A public adjuster is critical in situations where temporary repairs are made before the insurance adjuster arrives. While it’s important to stop further damage from occurring, a public adjuster can help guide you on what actions are necessary and what should be postponed to avoid compromising your claim. They are experts at determining what repairs are acceptable in the interim and what should wait until the adjuster has assessed the full extent of the damage.
Public adjusters understand how the insurance company views temporary and permanent repairs. They can advise you on how to properly document any repairs made to prevent complications, such as ensuring that the damage is still visible for proper evaluation. If permanent repairs are made prematurely, it could lead to a dispute over the extent of the damage or impact the valuation of your claim.
Having a public adjuster involved ensures that your actions align with the claims process, helping to avoid mistakes that could delay or reduce your settlement. They can also ensure that your repairs are appropriately documented, and the insurance company is aware of the steps you’ve taken to mitigate further damage without undermining the overall claim.
5. Overestimating or Underestimating the Damage
Mistake: Some homeowners either overestimate or underestimate the damage to their property, which can affect the claim process. Overstating the damage can result in the claim being flagged for investigation while underestimating it could leave you underinsured.
Solution: A public adjuster is essential in helping you avoid the pitfalls of overestimating or underestimating the damage to your property. Estimating the damage accurately is crucial for a successful claim, as both overstatements and understatements can lead to complications.
Overstating the damage can raise red flags with your insurance company, possibly resulting in delays or even an investigation into the claim. On the other hand, underestimating the damage can leave you underinsured, leading to a payout that may not fully cover the cost of repairs or replacement.
A public adjuster has the expertise to assess the damage thoroughly and accurately, ensuring that all aspects of the loss are documented properly. They use their knowledge of the claims process to provide an objective, professional evaluation of the damage, which helps you avoid overestimating or underestimating the situation.
By hiring a public adjuster, you ensure that the damage is valued correctly, giving you the best chance for a fair and adequate settlement from your insurance provider. Their expertise can help balance the fine line between providing an accurate assessment and avoiding any miscalculations that could hinder your claim.
In conclusion, filing an insurance claim can be a complex process, and avoiding common mistakes is crucial to ensuring your claim is handled efficiently and fairly. Whether failing to document the damage properly, missing filing deadlines, misunderstanding your policy, making premature repairs, or inaccurately estimating the damage, each of these pitfalls can delay or diminish your settlement.
Hiring a public adjuster to represent your interests can be an invaluable step in navigating this process. With their expertise, they can help ensure proper documentation, adhere to critical timelines, interpret your policy correctly, guide repairs, and accurately assess the damage.accompanying the claims process.
By enlisting the help of an A+ rated Better Business Bureau local Arizona Public Adjuster, you gain a professional who is well-versed in the complexities of insurance claims. They will guide you through each step of the process, helping you avoid costly mistakes and ensuring that your claim is handled accurately. With AJR Public Adjuster expertise, you can secure a fair settlement based on the coverage you’ve paid for, providing you with the best possible outcome for your loss.
AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona 