property insurance – AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona

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.

Navigating Arizona Insurance Claims: AJR Public Adjuster’s Step-by-Step Guide

Property insurance claims can be tricky, and by understanding the common mistakes people make in Arizona, AJR Public Adjusters can help you navigate the process more effectively.

Why hire AJR Public Adjusters for property insurance claims?

Following the steps below will help you bypass common mistakes when filing insurance claims.

1. Initial Contact with AJR Public Adjusters

Action: Reach out to AJR Public Adjusters (602) 795-5227 immediately after the damage occurs.
Solution: Contact AJR to schedule a consultation. We will review your policy and help you understand your coverages. We will guide you through the entire claims process, explaining the specifics of what you are entitled to under your insurance policy.

2. Free Consultation and Policy Review

Action: Review your property insurance policy with an AJR Public Adjuster.
Solution: AJR will examine your policy to confirm that your coverage matches the damage incurred. This step ensures you’re claiming for the right damages (e.g., water, fire, storm damage) and not missing important coverages.

3. Documenting the Damage

Action: Allow AJR Public Adjusters to document the damage on your property.
Solution: AJR will send a licensed adjuster to your property to thoroughly document the damage. We will bring out an estimator to assess damages and take photos, videos, and detailed notes to establish the full extent of the loss, which will be crucial for maximizing your claim. This documentation will often be much more thorough than you might do alone.

4. Estimate of Loss

Action: AJR will work with contractors and experts to get an accurate estimate of the cost to repair the damage.
Solution: AJR Public Adjusters will hire licensed contractors and specialists to provide detailed estimates of repair or replacement costs. This estimate will form the foundation of your claim. AJR’s expertise ensures that the estimate is fair and comprehensive, covering all necessary repairs and replacements.

5. Filing the Claim

Action: AJR will submit the claim on your behalf after you have approved the estimate created.
Solution: AJR Public Adjusters will take care of submitting your claim to the Insurance Company and ensure that all required forms and documentation are appropriately filed. We will also ensure that the claim is filed promptly, in line with any time limits stated in your policy.

6. Insurance Company Interaction

Action: Allow AJR to communicate directly with your insurance company.
Solution: AJR will handle all communication with your insurance company, relieving you of dealing with adjusters, claims representatives, or disputes. We will ensure that your insurer does not undervalue your claim or delay processing, and we will negotiate for the best settlement possible.

7. Insurance Adjuster’s Inspection

Action: Coordinate with AJR so the insurance company’s adjuster can inspect your property.
Solution: AJR will accompany the insurance company’s adjuster during their inspections of your property. We will ensure the adjuster conducts a thorough evaluation and that no damage is overlooked. AJR will also advocate for your interests if the insurance company’s adjuster misses anything or undervalues the damage.

8. Review Settlement Offer

Action: Review the insurance company’s settlement offer with AJR.
Solution: Once the insurance company provides a settlement offer, AJR will thoroughly review it. We will assess whether the settlement is fair and based on a full damage assessment

9. Negotiating the Settlement

Action: If necessary, AJR will negotiate with your insurance company.
Solution: If the initial offer is unsatisfactory, AJR will utilize our 35+ years of experience and continue negotiating with your insurance company to increase the payout. This could involve presenting additional evidence and re-negotiating the repair estimates.

10. Appealing the Decision (if needed)

Action: If you disagree with the insurance company’s final decision, AJR will guide you through the appeals process.
Solution: If your claim is denied or the settlement is still too low, AJR Public Adjusters will inform you of your options, which begin with an appraisal ( which is explained in your policy), which is your duty before ever filing a lawsuit.

11. Final Settlement and Repair

Action: Accept the settlement and proceed with repairs.
Solution: Once AJR has secured a fair settlement, you will receive the payout and can move forward with repairs. AJR will continue assisting you throughout the repair process to ensure the settlement covers all necessary repairs and replacements.

12. Continued Support (if needed)

Action: Reach out to AJR for any further assistance after settlement.
Solution: Even after the claim is settled, you can continue to rely on AJR to advocate for you.

Key Benefits of Using AJR Public Adjusters:

Expert Negotiators: AJR has the knowledge and experience (35+ years) to ensure you get the most money possible for your claim.
No Upfront Cost: AJR works on a contingency fee basis, meaning we only get paid a percentage of the settlement when the insurance company issues checks. This makes our services affordable and aligned with your best interests.
Less Stress for You: With AJR handling all the paperwork, negotiations, and communication with the insurance company, you can focus on recovering from the loss without worrying about the claims submission process.
Maximized Payout: AJR’s goal is to ensure you get the maximum payout possible based on your policy, which often results in higher compensation than if you handled the claim alone.

By utilizing AJR Public Adjusters as your advocate, you’re ensuring that you have a professional on your side who will work hard to get you a fair settlement for your property insurance claim.

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:

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.
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.
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.
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.
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.
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.

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:

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.
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.
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.
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.
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.
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.
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.
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.
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.
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.

When faced with an insurance loss, why you should hire a licensed Public Adjuster

When faced with the stress and complexity of an insurance claim, it’s worth considering the relief that a Public Adjuster can bring. Insurance claims can be incredibly stressful, and navigating the claims process can feel overwhelming at times.

Some advantages of enlisting a licensed Public Insurance Adjuster are:

Public Adjusters are professionals who specialize in managing insurance claims on behalf of policyholders. Specifically, AJR Public Adjusters LLC understands the intricacies of insurance policies, having practiced in this field for over 35+ years. This expertise ensures you receive the maximum compensation you are entitled to under your policy.

AJR works exclusively for you, the policyholder, unlike insurance company adjusters, who solely represent the insurer’s interests. AJR is laser-focused on ensuring your claim is handled fairly and that you receive the compensation you deserve.

Proper documentation is crucial when filing an insurance claim. AJR, with over 35+ years of experience, is skilled at documenting the extent of your loss comprehensively and accurately, including damage assessment and providing an inventory of lost or damaged items with a price to replace. This accurate documentation strengthens your claim and helps provide accurate information to the insurance company regarding the value of your loss.

Insurance companies often try to minimize payouts or deny claims altogether. AJR, with our 35+ years of experience, are adept negotiators who understand insurers’ tactics and can effectively negotiate on your behalf to ensure you receive a fair settlement. We aim to maximize your settlement and expedite the claim process, relieving you of the stress of dealing with insurance company bureaucracy.

Following up on an insurance loss can be time-consuming and emotionally draining. Hiring AJR Public Adjusters will free you from the hassle of managing the claims process yourself, which you are not a professional at. This allows you to refocus your energy on rebuilding your life or business. We handle all aspects of the claim from initial filing to final settlement, saving you the time, stress, and frustration of dealing with your insurance company.

The biggest takeaway is that by hiring AJR Public Adjusters, you are leveling the playing field between you and the professional insurance adjusters who work for the insurance company. We ensure your interests are protected, and you will receive the full compensation you are entitled to under your policy.

Our expertise, advocacy, and dedication to your claim can significantly affect its outcome for the positive.

Please view our A+ testimonials on the Better Business Bureau of the Pacific Southwest for further confirmation of AJR Public Adjusters record.

View our website www.publicadjusteraz.com

You can reach us at 602-795-5227

info@ajrpa.com

LOOK ==Answer some questions for a chance to WIN.

Prior to meeting//learning about us, we are hearing many people did not know our industry existed.

We are reaching out today to see if you have had an insurance claim that was filed before you knew about Public Adjusting and AJR.

We are wondering if you had a claim if you would take a few moments to answer the questions below? We may utilize them on our blog to help spread the word even more about Public Adjusting.

If you take the time to answer we will enter your name in a drawing for an iTunes gift card. We will do the drawing on June 1^st. We will announce the winner on our Linked In, Twitter and Facebook Page and blog page. ( We will send a confirmation email to indicate you have entered drawing)

You can like and follow those here:

We appreciate any likes and follows even if you did not have a claim story to share.

Facebook ———– https://www.facebook.com/ajradjusteraz

Twitter ————- https://twitter.com/AJRPublicAdj

WordPress Blog — https://ajrpublicadj.wordpress.com

Linked In———— http://linkd.in/1BWoiiO

You can just email the responses back to info@betterclaimresults.com

Thank you in advance for your time, support and consideration.

=====================================================

Name:

What was the type of claim that occurred on your property?

What type of experience did you have with the insurance adjuster?

What/ if any problems arose with the insurance company?

What kind of time frame did it take to settle your claim?

Were you satisfied with the settlement?

Did you feel like you were on equal ground with them, as far as knowledge and coverage’s you were entitled to?

Did your claim take time away from work, personal time?

Had you known prior to your claim about a professional adjuster who works for you, do you think you would you have hired one to assist with the claim?

AJR Public Adjusters 602-795-5227 www.betterclaimresults.com