Do I Really Need a Public Adjuster? What Arizona Homeowners Should Know After Property Damage
If your Phoenix, Scottsdale, or Arizona home has suffered water damage, fire damage, storm damage, or a sudden leak, you may be thinking:
“I don’t need a public adjuster. I can handle my insurance claim myself.”
We hear this all the time.
And yes, you can file your own insurance claim.
The real question isn’t can you.
It’s should you.
Most Arizona homeowners only go through one or two insurance claims in their lifetime. Insurance companies handle claims every day.
That matters.
Q: Do I really need a public adjuster?
A: You don’t have to hire one. But understand this: insurance companies manage claims daily. Homeowners don’t. That creates an uneven playing field from the start.
Q: Can I handle my claim myself?
A: Yes. But most people underestimate their property damage losses by thousands. Early insurance estimates often miss hidden damage, personal property, labor pricing, code upgrades, and materials. Once you accept that first check, fixing mistakes becomes much harder.
We see this every week across Phoenix, Scottsdale, and surrounding Arizona communities.
Q: What usually gets missed on insurance claims?
A: Hidden water or structural damage. Contents like furniture, clothing, kitchen items, and electronics. Proper labor pricing. Code upgrades. Quality materials. Entire rooms or storage areas.
It adds up fast.
Q: What does a public adjuster actually do?
A: The insurance adjuster works for the insurance company.
A public adjuster works for you.
At AJR Public Adjusters, we document all damage, prepare your insurance claim properly, build contents inventories, review your policy, and negotiate your settlement so it reflects what your policy allows, not just what appears on the first estimate.
Q: Isn’t hiring a public adjuster expensive?
A: Most homeowners who handle claims alone leave more money on the table than our fee ever costs. That’s not opinion. That’s based on real Arizona claims.
Q: How do I choose the right public adjuster in Arizona?
A: Do your homework. Look at reviews. Ask for references. Check standing with the Better Business Bureau. It’s one of the easiest ways to see how a company treats clients and whether they follow through.
Bottom line.
Yes, you can handle your insurance claim yourself.
But insurance companies do this every day. You don’t.
Arizona homeowners work hard for what they have. Don’t leave insurance money on the table.
If you’ve had property damage in Phoenix, Scottsdale, or anywhere in Arizona and aren’t sure what to do next, call AJR Public Adjusters as soon as the claim happens, before the insurance process even starts. Reaching out first helps ensure your damage is fully documented from day one and gives you the best chance at a maximum settlement. Don’t agree to an estimate or accept a check until your claim is properly reviewed. A quick conversation can help you understand your options and avoid costly mistakes.
Visit OUR WEBSITE to learn more or contact us directly. 602-795-5227
Arizona homeowners work hard for what they have. Don’t leave insurance money on the table.
AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona 