monsoon damage – AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona

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.

Maximize Your Insurance Claim Recovery with AJR Public Adjusters | BBB 5-Star Review

🌟 Transformation Tuesday: A Stunning Home Makeover! 🌟

We’re thrilled to share the incredible before-and-after shots of a recent project that AJR Public Adjusters had the pleasure of working on. Our team assisted the homeowner in maximizing their recovery from the insurance company after a fire destroyed a significant portion of their 5000+ sq. ft. home.

🎥 Video Testimonial: We are incredibly grateful for our clients’ heartfelt video testimonial, in which they share their positive experience with our services. Their satisfaction and kind words mean the world to us!

📝 BBB 5-Star Review: We’re proud to have received a glowing 5-star review from the Better Business Bureau. It’s an honor to be recognized for our dedication to excellence and customer satisfaction.

If you’re looking for a reliable, A+-rated Better Business Bureau, NAPIA, public adjusting firm to assist with recovery for an insurance loss to your property, don’t hesitate to reach out.

Let us help you turn your stress-induced property damage reality into a successful, maximized claim recovery. 💪🏡

We can be reached at AJR Public Adjusters, 602-795-5227

#InsuranceClaimRecovery #PublicAdjuster #PropertyDamage #CustomerSatisfaction #BBB5StarReview #HelpWithInsuranceClaim #InsuranceHelp #PhoenixArizona

Another 5 STAR Better Business Bureau Review

AJR is honored to receive another 5 STAR Better Business Bureau Review. We feel fortunate when clients can locate us and put us to work as their advocate.

As LG says, “On my own, I was offered $2,000 to complete the repairs (which was honestly insulting and almost bordered on criminal) but when AJR stepped in, they were able to increase the final settlement amount of my claim from $2,000 to $162,000. Yes, you read that, right!”

Better Business Bureau Review

To secure an 8,000% increase doesn’t happen every day, but we work our hardest to ensure we represent our clients with the utmost professionalism and tenacity.

With your next insurance claim call AJR first. Let us review your situation and let you know how we might help.

AJR Public Adjusters — 602-795-5227

info@betterclaimresults.com

BEWARE — Solicitations from Unlicensed Public Adjusters and Repair Schemes

It is that time of year here in Arizona, monsoon season is in full swing. Natural disasters are a normal occurrence over the summertime and consumers should be on their toes.

Here is an recent article dated July 12, 2018, released by the Idaho Department of Insurance, making the public aware of unlicensed individuals who are acting as public insurance adjusters for losses from hail storms. Different state, same issue. Public needs to be aware of individuals they hire to represent them with insurance claims.

This article points out an interesting situation that everyone should be aware of.

“Public adjusters often have mutual relationships with contractors, and may even be compensated by contractors who are performing work in conjunction with damages caused by the insured loss; however, any compensation or financial interest must be disclosed by the public adjuster in writing to you as the policyholder”.

AJR has NO “kick-back” relationship with any contractor, roofer, plumber. We do not accept any money from others working on your job. Our number one goal is to maximize your settlement for you, then get paid our percentage from the policyholder. No settlement money is exchanged elsewhere regarding your claim.

It is always best to research anyone you plan to hire for representation with a covered insurance claim. Some good sites that help with research to locate licensed, reputable firms are the Better Business Bureau, The National Association of Public Insurance Adjusters, NAPIA and the Arizona Department of Insurance.

AJR Public Adjusters,

602-795-5227, telephone

480-519-9099, Bruce Horowitz, President

AJR Public Adjuster Website

“Sistering” a joice and the repair of a home via Summit Business Systems

“Sistering” and the Repair of a Home

Many times we have heard about adjusters telling policyholders they plan to “sister” a joice to repair a damaged property. This means they are leaving a charred piece and prop it up with a new piece of framing. The example below illustrates why this is not an acceptable answer to a damaged frame for a property.

We are a public adjusting firm. Our client’s home is insured on an independently filed HO 00 03 05 01.

A recent fire did much damage to the home. Part of that damage was the charring of the framing. Instead of replacing the charred framing members, the insurer wants to use a technique called “sistering.” This technique involves leaving the charred piece in place and installing a new piece next to it. The adjuster says that sistering is an acceptable means of repair and refuses to actually replace the damaged framing.

We have enclosed a copy of the policy for your perusal.

California Subscriber

The policy you sent is worded differently from the ISO policy. The ISO homeowners policy promises to replace damaged building property with “material of like kind and quality and for like use.” It makes no mention of how this is to be done. It does not place any limitations on construction methods to be used. The ISO policy would pay to replace the charred timbers with new ones.

On the other hand, your client’s policy says that it will repair or replace the damaged property “with construction techniques and materials commonly used by the building trades in standard new construction.”

“Sistering,” as we understand it, means that the damaged frame is propped up by the timber fastened next to it. The adjuster may be correct in that this technique is an accepted means of structure repair—repair of an existing structure. However, the policy calls for the use of “common construction techniques and materials used by the building trades in standard new construction.” By definition, sistering could not be a technique used in new construction.

The wording of the policy has committed the insurer to replacing the frame members with new pieces.