Tag: public adjuster Arizona

How AJR Simplifies Insurance Claims After Storms

Unprecedented Storms Stress the Claims Process and How AJR Helps

In recent months, Phoenix and the greater Arizona region have seen storms unlike anything in recent memory. One event dropped over 3 inches of rain in the metro area by October 12, the heaviest for that period in years (azwater.gov).

With so much heavy rain, strong winds, and rapid-onset damage, home and business owners across Arizona are facing a surge of claims. The volume and complexity are putting pressure on everyone: homeowners, insurers, and public adjusters like us at AJR Public Insurance Adjusters.

Why These Storms Are Especially Difficult

• The heavy rainfall and wind create multiple types of damage at once. Flash flooding, roof damage, wind-blown debris, and dust storms all hit together.
• Insurers are overwhelmed with claims, which causes delays in response, inspections, and payouts.
• Many homeowners don’t have records of their property’s condition before the storm. That slows the claim process.
• Adjusters sent by insurers may not be familiar with the unique damage caused by Arizona storms, so claims may be undervalued.
• The longer a claim drags out, the more frustrated people become.

What AJR Does to Help


• Fast claim evaluations: We review your claim quickly to evaluate damage while it’s fresh. We then determine the best course of action to move forward with representation from AJR
• Detailed documentation: We help you pull together all your paperwork, policy, receipts, depreciation info, and more to build a strong claim.
• Localized knowledge: We know how Arizona storms work. We can explain to insurers how dust, rain, hail, and wind combined to cause the damage.
• We fight for you: Insurers often push back, calling it “wear and tear” or “maintenance.” We push back harder. You don’t pay us up front; our fee is due only when the claim is settled and when checks are issued.
• Clear communication: We explain everything in plain language, so you know what’s happening at each step.
• We stick around: Once you’re an AJR client, we stay available for anything related to the claim we helped with. Whether new issues arise or questions come up months later, we’re here to help you through it.

What You Should Do Now

If a recent storm damaged your property, here’s what to do:
1. Take lots of photos and videos.
2. Gather your insurance policy and any receipts for repairs or valuables.
3. Call a public adjuster early. The sooner we’re involved, the better your outcome will be.

Why Your Trust Matters

Storms like these test the whole system. When claims stall or payouts fall short, people lose trust in insurers and the process. At AJR, we take that seriously. Our job is to be there when things are hard, to represent you clearly, and to work the claim correctly. We are here to protect you and your claim, and we do it with care, experience, and urgency.

Our Reputation Is Built on Trust

At AJR, our reputation matters. We’ve built it through consistent, reliable, and responsive service during some of the most stressful moments our clients face. That’s why we’ve earned and maintained an A+ rating with the Better Business Bureau. Our website features testimonials from real clients who trusted us with their claims and were glad they did. When you work with us, you’re not just getting help with a claim—you’re choosing a team known for standing by its clients and delivering results.

Protecting Policyholders: Our Commitment at AJR Public Adjusters

Integrity Isn’t an Option—It’s the Standard at AJR Public Adjusters

Every so often, a review reminds us why we do what we do.

Recently, a homeowner, Larry K., shared how Bruce took the time to walk him through the insurance claim process—even though AJR couldn’t take on his particular claim. When Larry offered to pay for his time, Bruce politely declined. As Larry put it, “We don’t see that kind of service in many places these days.”

That sentiment perfectly reflects what AJR Public Adjusters stands for: genuine care, professional guidance, and doing what’s right—whether or not someone becomes a client. It’s about integrity, not transactions.

We know that when property damage happens—whether from fire, flood, or storm—people feel overwhelmed. The insurance process is confusing, with tight deadlines, and it’s hard to know who to trust. That’s why we lead with honesty first. Even if we can’t formally represent someone, we believe sharing guidance and clarity has real value.

At AJR Public Adjusters, our goal isn’t just to settle claims—it’s to help policyholders understand their rights and make informed decisions. With more than 37 years of experience in insurance claim recovery, Bruce has seen how the slightest bit of clear direction can change the entire outcome of a situation.

We’re proud that clients and callers alike describe us as responsive, transparent, and knowledgeable. Whether we’re managing a complex fire loss or simply explaining next steps to a homeowner, our focus stays the same:

Protect the policyholder, not the insurance company.

That commitment has earned us an A+ BBB rating, but more importantly, it’s earned trust—something we never take for granted.

So to Larry and others who’ve taken the time to share their experiences, thank you. Your words remind us that professionalism, kindness, and integrity still make a difference—and they always will at AJR Public Adjusters.

Public Adjusters in Arizona |AJR Public Adjusters | A+ BBB Rated

When disaster strikes, it rarely sends a warning. One day your home or business is safe. The next, a fire, flood, storm, or other loss leaves you with costly damage and more questions than answers. The first call many people make is to their insurance company. But here’s the hard truth: insurance companies are businesses with their own bottom line, and their adjusters work for them — not you.

That’s where a public adjuster comes in. A public adjuster is a licensed professional who represents you, the policyholder, throughout the insurance claims process. Instead of relying on the insurance company’s word, you have an experienced advocate working to make sure your damage is fully documented, deadlines are met, and the settlement you receive is fair.

What Does a Public Adjuster Do?

Most homeowners and business owners have never filed a large property claim before. Insurance policies are packed with complex language, strict requirements, and short timelines. Missing a detail can mean losing thousands of dollars.

A public adjuster takes that weight off your shoulders. Here’s how:

  • Policy review: They read and interpret the fine print to determine exactly what your coverage includes.
  • Damage inspection: They carefully document every aspect of your loss — structural damage, contents, and even hidden issues like water intrusion or smoke residue.
  • Claim preparation: They organize evidence, photos, estimates, and reports into a claim package that the insurance company can’t easily deny.
  • Negotiation: They communicate with the insurance company’s adjusters and make sure your claim isn’t undervalued or delayed.
  • Settlement support: They guide you through final payments, ensuring the insurance company follows through.

The result? You don’t have to fight the insurance company alone, and you’re far less likely to miss out on money you’re entitled to.

Why Insurance Companies Don’t Tell You About Public Adjusters

Insurance companies have teams of adjusters and lawyers protecting their interests. Their job is to settle claims quickly and at the lowest possible cost. They aren’t going to recommend that you bring in your own professional to review or challenge their decisions.

But Arizona law gives you the right to hire a public insurance adjuster. This is your safeguard against denied or underpaid claims. Public adjusters work only for the policyholder, not the insurance company. Their success is tied to yours: they only get paid if you receive a settlement.

Real-World Scenarios Where a Public Adjuster Helps

Think about some of the common losses Arizona homeowners face:

  • Monsoon storm damage: Heavy winds and rain tear off roofing and cause water leaks inside.
  • Fire damage: Even a small kitchen fire can cause smoke and soot damage throughout the house.
  • Water damage: Burst pipes, appliance leaks, or slab leaks often lead to hidden mold and costly repairs.
  • Hail damage: Roofs, siding, and windows can be compromised, but insurers often try to pay for only “spot repairs.”
  • Theft or vandalism: Personal property and structural damage both need detailed documentation.

In all these cases, an insurance company’s adjuster may try to minimize the payout, but a public adjuster—whether you’re in Phoenix, Scottsdale, or elsewhere in Arizona—ensures every detail is thoroughly documented and accurately valued.

Common Misconceptions About Public Adjusters

“Public adjusters inflate claims.”
Licensed public adjusters are regulated by the Arizona Department of Insurance. Their role is to present legitimate, well-documented claims — not inflate numbers.

“Public adjusters are expensive.”
Public adjusters work on a contingency fee, meaning they only get paid if you receive a settlement. The fee is a percentage of the recovery, and for many policyholders, the increased payout more than covers the cost.

“I can handle my claim myself.”
You can, but most people underestimate the complexity of the process. Deadlines, paperwork, and technical details can derail a claim quickly. Having a professional in your corner greatly reduces that risk.

The AJR Public Adjusters Difference

At AJR Public Adjusters, we’ve spent over 37 years helping policyholders across Arizona get the settlements they deserve. We’ve built our reputation on:

  • Ethics and transparency: We’re proud of our A+ BBB rating and dozens of client testimonials that reflect our commitment.
  • Local experience: We know the challenges Arizona weather brings — monsoons, haboobs, hail, and more.
  • Personal service: When you call AJR, you work directly with Bruce and Stacy, not a junior adjuster or out-of-state firm.
  • Proven results: We’ve recovered millions of dollars for homeowners and business owners who would have otherwise accepted underpaid claims.

Unlike “storm chasers” who flood into Arizona after big weather events, AJR is a local firm with deep community roots. Our goal isn’t a quick payout — it’s to stand by our neighbors when they need help most.

Why Public Adjusting Matters for Everyone

Public adjusting isn’t just for major disasters or complex losses. Even small claims can be underpaid if details are missed. Every policyholder deserves the peace of mind that comes from knowing their claim is being handled correctly.

When you hire a public adjuster, you’re choosing to level the playing field. You’re telling the insurance company that your claim deserves respect and full attention. And you’re reducing your own stress by letting a professional handle the details.

Call to Action

If you’re facing property damage in Phoenix, Scottsdale, Glendale, Mesa, Chandler, or anywhere in Arizona, don’t go through the insurance process alone. Call AJR Public Adjusters first.

📞 602-795-5227
🌐 publicadjusteraz.com

We’ll review your situation, explain your options, and show you exactly how we can help. With AJR Public Adjusters on your side, you’ll have confidence knowing your claim is handled ethically, thoroughly, and with your best interests at heart.

Don’t leave money on the table. Contact AJR Public Adjusters today and let us fight for the settlement you deserve.

Phoenix Property Damage From Monsoon Storms: Protect Your Insurance Claim

The First Monsoon and Haboob of the Season Hits Phoenix

Last night the Valley saw its first major monsoon and haboob storm of the season. High winds, heavy dust, and scattered rain swept through neighborhoods, leaving many residents waking up to fallen trees, roof damage, broken windows, and water intrusion. These storms can cause significant property damage that is not always obvious at first glance.

If your home or business was impacted, now is the time to take action. Insurance claims can be complex and stressful, especially after sudden storm events. AJR Public Adjusters is here to represent you and ensure your claim is handled properly.

Why Call AJR Public Adjusters

You should call AJR because we work for you, not the insurance company. With over 37 years of experience, we understand how to properly document storm damage and present your claim so you are not underpaid. We handle the process from start to finish, allowing you to focus on your family, your business, and getting life back to normal.

We provide a thorough inspection of your property to uncover hidden damage that may be overlooked. We prepare detailed estimates to reflect the true cost of repairs. We communicate directly with the insurance company and negotiate on your behalf to secure a fair settlement.

What You Should Do Next

If you suspect storm damage, take photos of your property right away. Do not discard damaged materials before they are documented. Contact AJR Public Adjusters as soon as possible so we can begin the process and protect your claim. The sooner you call, the better we can preserve evidence and advocate for you.

Call AJR Today

Monsoon and haboob storms are unpredictable, but you do not have to face the aftermath alone. AJR Public Adjusters is available to guide you through the claims process and fight for the settlement you deserve. Call us today for a consultation.

Why BBB Accreditation Is Key for Your Public Adjuster Choice

Why BBB Accreditation Matters When Choosing a Public Adjuster
Recognized by BBB Pacific Southwest – and proud of it.

We were recently featured by BBB Pacific Southwest for our ongoing commitment to professionalism and integrity in the public adjusting industry. We’re proud to share this recognition—it reinforces the values that AJR Public Adjusters has stood for since day one.

In a field where trust matters most, being BBB Accredited with an A+ rating isn’t just a badge. It’s a promise to our clients.

What BBB Accreditation Means

The Better Business Bureau isn’t a marketing platform—it’s a nonprofit organization that evaluates businesses based on clear standards of trust, transparency, and responsiveness. Accreditation means that a company not only meets those standards but actively maintains them.

To be accredited, a business must:

  • Be responsive to customer concerns
  • Honor commitments
  • Practice honesty in advertising
  • Operate with transparency

At AJR, we’re proud to meet and exceed those expectations every day.

Why Our A+ Rating Matters

Not all public adjusters operate with the same level of accountability. In fact, many companies aren’t accredited at all.

Our A+ rating with the BBB reflects:

In a highly competitive and sometimes misleading industry, we want our clients to feel confident from the first phone call to the final settlement. This rating helps give them that peace of mind.

What It Means for You as a Policyholder

When you’re dealing with an insurance loss, the last thing you need is uncertainty about who’s on your side. Choosing a BBB Accredited Public Adjuster helps ensure you’re working with someone accountable—not someone chasing storms or cutting corners.

A few things clients tell us they value most:

  • Clear, honest answers
  • Timely responses
  • An advocate who explains the process—not someone who pressures them to sign

We don’t just promise that—we back it up with action. And our BBB record proves it.

Follow Us and Stay Connected

We’re grateful for the shoutout from the BBB. You can see the original post here.

Due to account access issues, our original Instagram account,@ajrpublicadjuster, is currently locked. Please follow us on our active business account @ajrpublicadj for updates, tips, and real claim stories. If you found us through the BBB post or on our website, please leave us a comment—let us know, and we’ll follow you back.

Final Thoughts

As we shared in the BBB feature, our advice to new business owners is simple:
“Lead with truthfulness. Your word is your reputation. Listen, communicate, and always follow through.”

We’ve built our business on that belief. We’re thankful to the BBB for helping consumers identify companies that share those same values.

Public Adjuster Insights: How Hiring a Public Adjuster Can Maximize Your Insurance Claim

Public adjuster insights to start your week

Over the years, we have received many questions about public adjusters, and people are surprised they have never heard of this industry. Sometimes, they learn a little too late about the opportunity that exists when you hire a public adjuster.

Alright, let’s break this down from the very basics. Imagine something bad happens to your home or business—maybe a fire, a flood, or a storm. You’ve probably got insurance to help cover the costs of the damage, right? But when it’s time to file a claim and get the money back, it’s not always as easy as you think.

How can a public adjuster help with property damage? A public adjuster is a professional who helps you, the policyholder, with your insurance claim. Their main job is ensuring you get the full payout you’re entitled to, which is a bit more complicated than just asking for the money.

Here’s a simple way to look at it:

  1. You file a claim: Something happens to your property, and you contact your insurance company.
  2. Insurance assesses the damage: The insurance company will send someone (called an adjuster) to evaluate the damage and estimate how much it’s worth. But here’s the thing—the insurance company’s adjuster works for the insurance company, not for you.
  3. Where a public adjuster comes in: You can hire a public adjuster. They’ll work only for you (not the insurance company). They come in, look at the damage, and make sure the insurance company offers a fair payout based on your policy.

Think of a public adjuster like a guide who knows how to navigate the complicated world of insurance. They’ll do everything from reviewing your policy to dealing with the insurance company directly, all to make sure you don’t get shortchanged. In exchange, they typically take a small percentage of the claim amount as payment, but only if you actually get paid.

In short, the benefits of hiring a public adjuster are they help level the playing field between you and the insurance company, so you don’t have to go through it alone. They’re there to ensure you’re treated fairly, get the compensation you deserve, and reduce the stress of dealing with insurance claims. Does that help clear things up?

What to do after property damage in Arizona: Learn how a local and trusted public adjuster in Arizona can help you navigate insurance claims and maximize your payout. With over 35 years of experience, Call AJR Public Adjusters first. As Arizona home insurance experts with 35+ years of experience and an A+ BBB rating, we are onyour side when it matters most.