public adjuster – Page 3 – AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona

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

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.

Maximizing Insurance Claim Readiness: Expert Strategies and Advice

We can never be fully prepared for an insurance claim, but here are a few steps you can take to help in advance before a claim occurs and you need to call AJR Public Adjusters for assistance.

Here are some steps you can take:

Review Your Policy: Understand what your insurance policy covers and any exclusions or limitations it may have. This knowledge will help you make informed decisions. If you have questions and still don’t understand, we can help you understand coverages as we begin to file the claim on your behalf.
Maintain Detailed Records: Keep records of your possessions, including receipts, photographs, and appraisals. Documenting your belongings will make it easier to prove ownership and value in the event of a claim. AJR Public Adjusters will take inventory of your items, help document them, and then price them for reimbursement.
Regularly Update Your Policy: Review your insurance policy annually and update it as needed to reflect any changes in your circumstances or assets. This ensures that you have adequate coverage and reduces the risk of being underinsured.
Consider Additional Coverage: Evaluate whether you need additional coverage beyond your basic policy. Depending on your location and individual needs, this could include options such as flood insurance, earthquake insurance, or umbrella liability coverage.
Create a Home Inventory: Compile a detailed inventory of your home’s contents, including descriptions, serial numbers, and purchase dates. Store this inventory in a safe place, such as a cloud-based storage system, so you can access it easily in case of a claim and share with AJR Public Adjusters to assist us in properly documenting your items for reimbursement.
Document Your Property: Take photographs or videos of your property, both inside and out. Focus on high-value items, structural features, and any recent upgrades or renovations. Update these records periodically to reflect changes to your property. These photographs will assist AJR Public Adjusters when filing/proving to the insurance company items you had on your property.
Maintain Maintenance Records: Keep records of any maintenance or repairs performed on your property. This includes routine maintenance such as HVAC servicing, plumbing inspections, and roof repairs. Good maintenance can help prevent damage and strengthen your claim if damage does occur.
Know Your Deductible: Understand your insurance policy’s deductible and ensure you have funds set aside to cover it in case of a claim. Consider whether you can afford to increase your deductible to lower your premium costs.
Have Emergency Contacts Handy: Keep a list of important contacts, including your insurance agent or company and your local Public Adjuster, AJR Public Adjusters (602-795-5227). AJR should be your first call, and we can help you report the claim to your agent or company, expedite the claims process, and get assistance quickly in an emergency.
Review Your Coverage Limits: Periodically review your policy’s coverage limits to ensure they are sufficient to protect your assets. Consider whether any major purchases or lifestyle changes warrant adjustments to your coverage limits.

Taking these proactive steps can help you be better prepared for an insurance claim and minimize stress and uncertainty if the unexpected happens.

AJR Public Adjusters — 602-795-5227

Top Ranked YELP Public Adjuster – February 2024

AJR Public Adjusters was honored AGAIN to be ranked as the TOP YELP Public Adjuster in Phoenix, Arizona.

If you suffer a property insurance claim, give us a call. We will evaluate your loss and guide you with the steps to take to ensure maximum recovery from your loss.

We can be reached at 602-795-5227.
claims@ajrpa.com

New Website Launch

Exciting News! We’re thrilled to announce the launch of our brand-new website!

Explore a fresh and improved user experience as we unveil our latest version. Discover sleek design, enhanced features, and seamless navigation to make your online journey even more enjoyable.

Dive in now: https://publicadjusteraz.com

What’s New:

Sleek and Modern Design

Improved User Interface

Enhanced Features for a Seamless Experience

We’d love to hear your thoughts! Please drop a comment below and let us know what you think about the new look. Your feedback is invaluable to us!

Thank you for being a part of our journey. Stay tuned for more exciting updates!

#WebsiteLaunch #Upgrade #NewAndImproved #UserExperience #FeedbackWelcome #ExcitingTimes

Another 5 STAR YELP Review for AJR Public Adjusters

Proud to announce another 5 STAR YELP review received by AJR Public Adjusters. It is always satisfying to receive notification that another satisfied client was motivated to let others know of their incredible experience with AJR Public Adjusters.

Bruce Horowitz has proudly represented insureds for over 35 years.

Look at the comments below from investor Bea Wu about our quality and exceptional service.

AJR Public Adjusters – 602-795-5227 – claims@betterclaimresults.com

Another 5 STAR Better Business Bureau Review

COVID-19 came into our lives in January, really hitting the U.S. in March. Life changed forever.

AJR did not stop our representation for our clients. We have been diligently working for the last six months still, helping our clients with their insurance claims.

Here is a recent 5 STAR Better Business Bureau testimonial from one of those clients we helped. AJR Better Business Bureau Site.

We can’t thank Martha enough for wanting to share her successful experience working with AJR.

With your next insurance claim, call us first. Let us have the opportunity to make you a satisfied client like Martha.

Stay Safe, Everyone.

AJR Public Adjusters LLC — 602-795-5227

Sites to Follow AJR on Social Media.

Who to call for Property Damage this Monsoon Season.

Will you be able to rebuild if your home or business is damaged or destroyed by a fire? How long will it take you to bounce back if you are wiped out by a flood or hammered by a monsoon? Will you recover quickly from the losses you suffer from vandalism or theft?

You might be unpleasantly surprised more than once if tragedy strikes where you live or work – first by the brutal force of Mother Nature and later by the realization that you are unprepared to do anything but accept whatever compensation your insurance company offers. You can avoid this problem by hiring a public insurance adjuster, a person with the knowledge and experience to help you obtain the most favorable settlement possible – someone who represents you and not your insurance company.

“We serve as an advocate for the policyholder, but it’s important to remember that the policyholder controls the settlement. We advise and assist.” said Bruce Horowitz, president of AJR Public Adjusters, who has been serving homeowners and businesses for over 30 years, the last 4 being here in Arizona.

In addition to estimating how much damage has been done, AJR also helps file the paperwork to complete the claim and negotiate with the insurance company. There is no up front retainer type cost like an attorney, for their services, AJR charges its clients a percentage of the settlement.

Horowitz can offer his clients the advantages of a wealth of training and more than 30 years as a public insurance adjuster. He and his wife Stacy, who serves as vice president of AJR, moved their family to Phoenix following Bruce’s lengthy career, first with one of the largest and oldest public insurance adjusting firms in the Philadelphia area, then in Charleston, South Carolina.

Stacy, who handles the marketing and accounting for AJR, has another important job that is critical for the property owner – determining exactly what was lost or damaged.

“We take hundreds or sometimes even thousands of pictures,” she explained. “We document everything, then we send it to the client for approval.”

Bruce Horowitz cautioned homeowners and businesspeople to hire only public insurance adjusters who are licensed in the states where they do business. Also to be wary of people claiming to be in a position to negotiate with the insurance company. Only a licensed Public Insurance Adjuster has this authority, not your contractor, mitigation specialist, handyman, etc.

AJR is unique as they are one of a few companies who are a member of the National Association of Public Insurance Adjusters (NAPIA) with an office in Arizona. NAPIA is a 60 year old organization that sets the standards for the industry and offers its members educational opportunities and certification in various aspects of the business.

To find out more about how AJR Public Adjusters, Inc. can help you recover from a natural disaster or other property loss by helping you obtain an equitable settlement from your insurance company, call (602) 795-5227, email info@betterclaimresults.com, or visit www.betterclaimresults.com

8 quick tips: Why hire a Public Adjuster? How does it help ME?

1. Your property/community has suffered property damage (fire, hail, wind, flood, water), NOW WHAT?

Your first inclination might be to contact your insurance carrier, but this may not be in your best interests. With all your personal and work commitments it may not be feasible for you to monitor and ensure your claim is being handled properly. Why not level the playing field with the insurance company?

2. WHY HIRE A PUBLIC ADJUSTER?

Your insurance company has professional adjusters to represent their interests. As a policyholder you are entitled to hire a professionally state licensed adjuster to represent your interests. The public adjuster has experience and knowledge to assist in preparing, documenting and negotiating claims. Adjusters have reviewed several policies prior to yours and know where to look in the policy to make sure your claim is filed for all the coverage’s you have paid for. Often times finding money that otherwise would have been overlooked.

The adjuster you hire should be experienced, licensed with the state and working for a reputable company who has a clean record with the insurance department. All adjusters need to be licensed and their company also needs to hold a license with the Arizona Department of Insurance.

3. FEE FOR PUBLIC ADJUSTER

The Public Adjuster is paid a contingency fee of the total monies received from the insurance company. The fee can range from 5% – 20% depending on the size of the claim, and is due at the time money is released from insurance company.

4. DUTIES OF PUBLIC ADJUSTER

To act as your representative in negotiating and dealing with the insurance company adjuster. Relieve your stress by engaging in discussions and negotiations with the insurance company on your behalf to maximize your recovery. The public adjuster brings in their experts/contractors to estimate and measure the damage independent of the insurance companies estimate. This estimate then provides the framework for the negotiating the adjuster will do with the insurance company.

5. SOME GOOD QUESTIONS TO ASK PRIOR TO SIGNING CONTRACT:

How many years have you been a licensed Public Insurance Adjuster?
May I have references or see testimonials from previous clients?
Will you personally handle my claim for me?
Will you keep me in the loop and inform me of all outstanding issues with my claim?

6. WHEN TO ENGAGE A PUBLIC ADJUSTER:

Ideally the public adjuster should be involved in the claim from the beginning including helping you report the claim. This is not to say you should feel rushed or pressured after a claim occurs to immediately hire the first person that approaches you. Investigate the company and the individual who will be acting as your representative.

7. SOME THINGS TO LOOK OUT FOR:

In the State of Arizona contractors are not authorized to represent you in insurance claim negotiations, nor are they professionally licensed or regulated by the state insurance/department agency to do so.

Relying on your insurance company to fairly calculate the amount of damage and what you are owed might not result in a full or fair settlement. The company adjuster who is sent out is measuring the loss for the insurance company not for you. As the policyholder you are entitled to have the claim loss accurately measured and then be reimbursement for all that you have lost.

8. BENEFITS OF HIRING A GOOD PUBLIC ADJUSTER:

An experienced and skilled licensed professional to work on your team.
Someone who understands intricacies of policy and assists in recovering all that you are entitled to
Strong advocate on your side to help provide more input and negotiating leverage for the final insurance settlement, more than you may have had on your own.

How can a Public Adjuster Help ME with my next property insurance claim, and when should I CALL?

It’s best for people to engage with us when the property loss occurs. Claims occurring from fire, wind, water, theft, hail etc. We help them report the claim and take care of all the necessary duties according to the contract from there.

A few ways to think about it is, if you are called to the IRS for an audit you would take an accountant with you to represent your interests. Why deal with a professional insurance adjuster without your own professional licensed adjuster to represent you and your interests.

The reason its best to engage us at the very beginning of the process is as in other situations, “anything you say can and will be used against you”. To prevent any problems like this from occurring, its best to engage us at the beginning. I think this answers your question about “should I wait until a problem occurs”.

Additionally part of our job is to maximize the recovery from the insurance company. To leave no stone unturned and peruse policy to make sure policyholders are claiming all coverages that they have paid for that apply to each particular claim.

Our 28 + successful years of experience handling claims into the millions of dollars ensure thorough and complete handling of each claim.

We are paid a small percentage of the settlement, no higher than 10%. AND as the claims get higher the percentage can go down and is negotiable. (a $1,000,000 claim, we would not be taking 10%). The insured pays our fee not the insurance company (though it comes out of the proceeds). The knowledge we have of policies and the gain the insured receives helps cover this cost and provides additional monies.

People/Companies don’t generally know what’s in their policy or understand them, therefore don’t realize what they are entitled to. This is where our knowledge and experience assist. Additionally, when property claims occur, it is an extremely stressful situation. Adding to this stress is dealing with the insurance company and their adjusters, since they want to pay out as little as possible for claims. Why handle this stress on your own, and try to navigate policies and professional adjusters. We have been there done that and know how to do it the quickest best way to maximize the return.

www.betterclaimresults.com

AJR Public Adjusters 602-795-5227