Tag: insurance claim

Maximize Insurance Claim Recovery with AJR Public Adjusters

We take calls daily from insureds handling their claims without professional assistance. They reach a point where they realize the insurance company, with their professional adjusters, places them at an unfair advantage.

Here are reasons to contact a public adjuster upon discovering an insurance claim.

Enlisting a public adjuster early in the claims process can be highly beneficial. Here’s why:

  1. Expert Guidance: Public adjusters are experts in evaluating insurance claims. They can help you understand your policy, document your loss accurately, and navigate the claims process more effectively from the start.
  2. Accurate Documentation: They can assist with proper documentation and valuation of your loss, which can be crucial for getting a fair settlement. They know what evidence and details are necessary to support your claim.
  3. Avoiding Common Pitfalls: Having a public adjuster from the beginning helps you avoid common mistakes that could affect your claim, such as missing deadlines or overlooking important details.
  4. Negotiation: They are skilled negotiators who can advocate on your behalf to ensure you receive the compensation you’re entitled to, potentially increasing the final settlement amount.
  5. Time and Stress Management: Dealing with insurance claims can be stressful and time-consuming. A public adjuster can handle the bulk of the work and communications, allowing you to focus on other priorities.

In summary, engaging a public adjuster when you first discover a claim can help streamline the process and improve the chances of a favorable outcome.

With your next insurance claim, contact AJR Public Adjusters first to ensure maximum recovery for your insurance loss. We can be reached at the website link above or at 602-795-5227.

Prompt Response and Personalized Service | Contact AJR Public Adjusters

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?

  1. 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.
  2. 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.
  3. 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.
  4. 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.

AJR Public Adjusters — 602-795-5227

Expert Insurance Claim Assistance for Arizona Wildfire Victims | AJR Public Adjusters

🔥 Attention Arizona Residents Affected by Wildfires 🔥

If you’ve been impacted by the recent wildfires in Arizona, you’re not alone. The devastation can be overwhelming, and navigating insurance claims can add another layer of stress during this difficult time.

🌟 AJR Public Adjusters is here to help! 🌟

Our team of experts specializes in assisting homeowners and businesses through the insurance claim process. We understand the complexities of wildfire damage and are committed to ensuring you receive the compensation you deserve.

🔹 Why Choose AJR Public Adjusters?

  • Expert Guidance: We handle the paperwork, negotiations, and all the details, so you don’t have to.
  • Maximize Your Claim: Our goal is to ensure you get the full coverage you’re entitled to.
  • Stress Relief: Let us manage the insurance process while you focus on rebuilding and recovery.

If you need help with your insurance claim, please reach out. Contact us at 602-795-5227 or visit our website at AJR Public Adjusters LLC for more information.

Stay safe, Arizona. We’re here to support you through every step of this challenging time.

Article about Sand Stone Fire burning in AZ as of August 1, 2024

#ArizonaWildfires #InsuranceHelp #AJRPublicAdjusters #WildfireRelief

Why Choose AJR for Stress-Free Insurance Claim Process?

AJR: Your Advocate for Insurance Claims

When disaster strikes—be it fire, wind, water, theft, hail, or monsoon—AJR stands by your side. With over 35 years of unmatched experience in the Valley, we ensure you get the maximum recovery from your insurance claims.

Why Choose AJR?

  • Free Loss Evaluation: Call us at 602-795-5227 for a complimentary assessment of your loss.
  • Stress-Free Process: We handle the complexities, so you can focus on returning to normal activities.
  • Expert Negotiation: Our team meticulously reviews your coverage and negotiates with the insurance company to secure the best possible settlement.
  • Professional Representation: Dealing with an insurance company’s professional adjusters can be daunting. AJR represents your interests, ensuring you aren’t alone in the process.

When the next claim arises, make your first step the best one—call AJR.

Monsoon Season Property Damage: Why Contacting a Public Adjuster Is Crucial

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.

What is a Public Adjuster and why should I use one for my property insurance claim? I never heard of them before, won’t my insurance company take care of me?

At AJR Public Adjusters, we often hear, “I’ve never heard of Public Adjusters before. My property just suffered an insurance claim, and I began to research help for my insurance claim and came upon your information.”

To try to assist you from ending up in this same situation, we’d like to share with you several key points to understand in advance of having a property insurance claim.

  1. Role and Function: Public adjusters are professionals who work on behalf of policyholders to help them navigate the insurance claims process. They advocate for the insured and aim to ensure that policyholders receive fair compensation for their losses. Public adjusters assess damages, review insurance policies, and negotiate with insurance companies to maximize claim payouts.
  2. Licensing and Regulation: Public adjusters are typically required to be licensed in the state or jurisdiction where they operate. Licensing requirements may vary by location, but generally, public adjusters must pass a state exam and meet certain education and experience criteria. Here in Arizona, a Public Adjuster’s license is the same license that an insurance company adjuster holds. This levels the playing field with the insurance company trying to minimize your recovery to benefit their bottom line.
  3. Compensation: Public adjusters typically work on a contingency fee basis, meaning their fee is a percentage of the final settlement amount. This fee is agreed upon between the public adjuster and the policyholder before any work is undertaken. Policyholders need to understand the terms of the agreement, including the percentage fee and any additional expenses that may be incurred. The fee is 10% on average, though larger claims might warrant a smaller percentage. Smaller claims, if taken by a public adjuster, might warrant a larger compensation.
  4. Expertise: Public adjusters are experienced professionals with knowledge of insurance policies, claims processes, and property damage assessment. Public Adjusters use their expertise to help policyholders navigate complex claims and ensure they receive fair treatment from insurance companies.
  5. Advantages and Considerations: Hiring a public adjuster can provide several advantages for policyholders, including expert guidance through the claims process, assistance with documenting and presenting claims, and increased likelihood of receiving a fair settlement. Policyholders should carefully consider the benefits of hiring a public adjuster and ensure they choose a reputable and licensed professional.

Overall, public adjusters play an important role in helping policyholders navigate the insurance claims process and ensure they receive fair compensation for their losses. If you encounter a situation where the expertise of a public adjuster may be beneficial, it’s important to research and understand their role and how they can assist you.

AJR Public Adjusters has represented policyholders for over 35 years. With an A+ Better Business Bureau rating, and as a NAPIA member, when you call our office you know you are talking to a firm well respected in this industry.

AJR Public Adjusters – 602-795-5227

Personalized Support from Licensed Public Adjusters | AJR Public Adjusters

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”

View Conversation 👇(names omitted for privacy)

Settlement Maximization | Loss Support | No Upfront Fees


The fee structure for Public Adjusters operates much like that of an accident attorney. You won’t have to pay anything out of pocket upfront. Instead, the fee is a percentage of the settlement secured for you. The Public Adjuster handles all the hassle, sparing you the headache of fighting for it yourself.

The approach of a PA (public adjuster) is designed to align their incentives with yours. Public Adjusters are motivated to maximize your settlement because it directly impacts their compensation. This means Public Adjusters are fully committed to getting you the best possible outcome.

Importantly, understanding that dealing with loss can be emotionally draining is a situation most Public Adjusters can relate to. Many people settle for less than they deserve simply because they don’t have the energy to fight for it. That’s where a licensed, competant, highly rated Publicv Adjuster can step in. Public Adjusters sole job is to support you during this vulnerable time and ensure you receive the compensation you’re rightfully entitled to.

Once you engage a PA for services they get started right away to evaluate your loss. Ensuring you maximum recovery from the insurance company, with as little stress as possible. PA’s are your front line with the insurance company, offering the policyholder the ability to continue their daily activities without constant worry about the insurance claim recovery. We’ve got this.

With your next property insurance claim, call AJR Public Adjusters first. Let us get started on our job of maximizing your recovery while ensuring compensation for all coverages you’ve paid for.

AJR Public Adjusters — 602-795-5227

The Value of Hiring a Public Adjuster for Insurance Settlement Optimization

There may be some confusion about how a licensed Public Adjuster is compensated and what to expect.

Throughout the process, your public adjuster should maintain a high level of communication. They should provide you with regular updates on the progress of your claim, including details of any communications with the insurance company, the status of negotiations, and any developments that may impact your claim. These actions ensure you are always informed and involved in the process.

Public adjusters are compensated through a commission fee, on average 10% (Though it could be higher or lower depending on the overall size of the claim. For more significant claims for over a million dollars, the public adjusters will take a slightly smaller %; more minor claims, if taken, might warrant a higher %); this fee is only paid after your insurance company issues checks. This fee structure ensures public adjusters are motivated to work diligently on your behalf to maximize your settlement within the bounds of your insurance coverage. Payment is contingent upon successful negotiation and advocacy for you, the policyholder, ensuring you receive the best possible outcome from your insurance claim.

By enlisting the services of a public adjuster, you’re making a strategic investment in expertise. Their thorough work not only ensures no coverage is overlooked but also plays a crucial role in maximizing your recovery. Public adjusters are dedicated to optimizing the compensation you receive, safeguarding against missed opportunities for coverage.

Choosing AJR Public Adjusters for your next claim means placing your trust in over 35 years of expertise and a commitment to excellence. With an A+ rating from the Better Business Bureau, our track record speaks for itself. We’re committed to advocating for you every step of the way, ensuring you receive the maximum settlement you deserve. Trust AJR Public Adjusters to protect your interests and navigate your insurance claim with integrity and excellence.

Proactive Tips for Property Insurance Claim Prevention

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.