AJR Public Adjusters LLC iscommitted to ethical business practices
This week, AJR Public Adjusters LLCannounced its recent re-accreditation by Better Business Bureau Serving the Pacific Southwest (BBB). As a BBB Accredited Business, AJR Public Adjusters LLC is dedicated to promoting trust in the marketplace and upholding high standards for honest business behavior.
Now more than ever, customers want to trust companies they do business with, and BBB is committed to building that trust. BBB Accreditation is an honor, and not every business qualifies. The dedicationAJR Public Adjusters LLChas displayed to earn this accreditation shows the high level of commitment they have for not only their customers, but for the community in which they operate.
“We are pleased to join a community of businesses committed to doing things the right way,” said Stacy Horowitz. “We value building trust with our customers, and our BBB Accreditation is a public display of our commitment to excellence and maintaining high ethical standards.”
BBB Accredited Businesses adhere to BBB’s Standards for Trust, a comprehensive set of policies, procedures and best practices representing trustworthiness in the marketplace. The standards call for building trust, embodying integrity, advertising honestly, telling the truth, being transparent, honoring promises, being responsive and safeguarding privacy.
Bruce and Stacy relocated to Phoenix, AZ from Charleston, SC in 2013 to establish AJR Public Adjusters, LLC After a successful nine years in the Low Country of South Carolina, a decision was made to venture out west and re-establish the company with a new name that more closely describes the services provided.
Bruce has more than a quarter of a century of experience and is highly qualified to lead his clients through the maze of confusion in the insurance industry.
Bruce was born into a family of public adjusters and joined the family business full time right after college. Bruce was a principal at this firm which is one of the largest and oldest “90 years” public adjusting firms in the tristate area that employs over 30 public adjusters. Bruce’s knowledge and experience are unmatched in the Valley.
After working 17 years in the family business, Bruce wanted to be able to provide personal, attentive service to the clients he was servicing. Bruce and Stacy relocated to Charleston, SC, from Philadelphia, PA in 2005 and established AJR Insurance Consultants, LLC.
Prior to establishing AJR, Stacy had a successful career in sales for Aetna/US Healthcare in the Philadelphia region, The Embassy Row Hotel in Washington DC, Western Union in the Northern New Jersey Region and PTS Learning Systems; computer training materials in Philadelphia. Her experience exposed her to the insurance, hotel, management, healthcare, telecommunications and information technology industries. It is with this broad experience in the business world that Stacy oversees the marketing and administrative duties at AJR.
Bruce is certified and licensed in Arizona and is a member of the National Association of Public Insurance Adjusters (NAPIA) and adheres to a strict code of ethics. Bruce keeps up on current insurance regulations by constantly completing insurance education courses.
AJR works on behalf of homeowners and business owners to ensure that once damage has occurred, the property owner takes full advantage of all aspects of his/her insurance policy. Contact our public insurance adjusters in Phoenix, Arizona, to make sure no detail is missed when filing your claim.
About the Better Business Bureau Serving the Pacific Southwest.
For more than 100 years, the Better Business Bureau has been helping people find businesses, brands and charities they can trust. In 2020, people turned to BBB more than 220 million times for BBB Business Profiles on 6.2 million businesses and Charity Reports on 11,000 charities, all available for free at BBB.org. The International Association of Better Business Bureaus is the umbrella organization for the local, independent BBBs in the United States, Canada and Mexico. Incorporated locally in 1938, BBB Serving the Pacific Southwest serves Greater Arizona and Southern California, providing critical tools to ignite success including mentorship, online products and access to capital. Our objective expertise educates the community on ethical behavior in the marketplace and how businesses can build trust.
After a claim occurs, one of the first questions we ask policyholders is, “Do you have a full copy of your insurance policy?”
The reason for this question is this is “the Bible,” letting us know as your potential representative, what coverages you have in your policy that will enable us to assist you with your claim.
There are clauses and information that mean something to AJR, with our 32 + year experience. Knowing where to look in the policy for additional coverages is the benefit of hiring an experienced public adjuster to represent you with your insurance claim.
This policy was probably given to you when you first signed up with the insurance company. Over the years, the insurance company may have only sent renewal letters and not the complete policy again.
A sample letter adapted from a United Policyholders template shows how to request your insurance carrier this policy that is needed to negotiate your claim for you.
Sample Letter Requesting Complete Copy of Homeowners Policy
NOTE: This letter is a sample that must be customized to fit the facts of your individual situation and claim. All bracketed and underlined portions must be completed or revised before sending. Use this letter to request a complete copy of your homeowners’ policy from your insurance company.
(Name of adjuster or highest ranking ins. co. employee) (Name of Insurance Co.)
Re: Claim Number _____________
Date of Loss: __________________
Name of Insured: _______________________ Address of Insured Property: _____________
Dear [INSURANCE COMPANY],
Please send me a complete and certified copy of my homeowner’s insurance policy, including all declarations, endorsements, riders, and any changes to the insurance policy that would affect coverage at the time of the above-noted loss. Please send it to the mailing address listed below within fifteen (15) calendar days of this letter’s date.
Thank you in advance for your prompt handling of my request. I look forward to receiving the above-requested documents and working with [INSURANCE COMPANY] to complete the claim process.
Many times prospective clients question our commission charge.
Insureds wonder if they can lower the percentage will they make out better. We wanted to demonstrate that this may not always be the case.
As they say, you get what you pay for.
See example of a typical claim below and notice the difference to the policyholder when paying a higher percentage fee:
Initial Claim Offering $50,000
Final Claim Result. $60,000
8% fee to Public Adjuster: $ 4,800
Claim Settlement to Insured: $55,200
AJR PUBLIC ADJUSTERS
Initial Claim Offering: $50,000
Final Claim: $75,000
15% Fee: $11,250
Claim Settlement to Insured: $63,750
Clearly you can see how AJR Public Adjusters assistance, perhaps at a higher fee still nets the insured a better settlement. This policyholder increased their settlement by $8,550 even when paying a higher percentage for our services.
By giving AJR the opportunity to utilize our 30+ years experience to manage and negotiate your claim, you can rest assured you will do better in the settlement process of your claim.
Please view our Better Business Bureau A+ rating here. This may provide helpful information for you to see how AJR should be your first call with your next property insurance claim.
Call AJR first, we even help report the claim and can take over the stress of managing your claim from there. We can be reached at 602-795-5227, email here.
AJR is humbled when our clients choose to share their experiences with others regarding the service and success they had while working with us.
Ken K says,“…Bruce provided us with the assurance that he had control of the situation and constantly kept us informed throughout the process.” ” In the end, knowing that Bruce and Stacy were working for us was a great comfort. Their experience and expertise were evident throughout and greatly appreciated. Bruce continually advised us as to what our policy covered, and I believe we received a very fair and prompt settlement with the insurance company.”
AJR takes our clients and responsibilities very seriously. We know when your property has suffered an insurance claim, you want to know that you will be made whole. (put back to how your property looked prior to the loss). Whether it be from fire, wind, hail, monsoon, AJR’s job is to handle your claim in the most professional manner while alleviating stress on your shoulders. We know you have things to take care of, let us use our 30+ years experience to settle the claim in a timely manner.
It is nice to be recognized again by YELP as the #1 Public Adjuster in Phoenix. To see more information about AJR and how our rankings are #1, look at our BBB A+ Reviews.
With your next insurance property loss give us a call FIRST. Consultation is FREE.
AJR appreciates clients who offer to share their experience with others. To be spoken about in reference to a comment from a CEO of a billion $ business is humbling. With AJR you do get qualified professionals who care about your claim like it is their own. Read Peter H BBB Comments
“With AJR and Stacy & Bruce you are getting the qualified professionals, but most importantly these are nice people who care about their clients.”
AJR is committed to providing representation which will provide peace of mind to the policyholder, knowing their claim is being handled in the most professional way possible. It is always your claim, you have the final say, but we do handle it like it is our own, ensuring maximum recovery, while reducing your stress.
Give us a call with your next claim and let us explain how we can help get the ball rolling and moving in the right direction towards a successful recovery.