Client Testimonials in Phoenix, Arizona

AJR Public Adjusters, in Phoenix, Arizona, works as YOUR insurance adjuster and helps you recover what you are entitled to in your claim. When disaster strikes your home or business, you need experienced, skilled, and professional representation for your property loss.

Video Testimonials

Client Testimonials about AJR Public Adjusters in Arizona

"I know the word 'expert' is used to freely and too often but in the case of AJR Public Adjusters it is spot on. I called Bruce and Stacy shortly after I had a severe water damage issue in a home we were only days away from moving in to. Bruce and Stacy met with me immediately and after getting the details of what happened they took total and complete control of handling the insurance claim for us. They made all contacts, met with all the appropriate people and handled the claim as if it were a claim on their own home. They are extremely professional in their approach, they made every effort to communicate often and with clarity of details, and they never once dropped the ball. I would recommend Bruce and Stacy absolutely without reservation to anyone who has an insurance issue of any kind. In no way could I have gotten the same result without their incredibly hard and diligent work."

MARC MANGEN, HOMEOWNER, NORTH SCOTTSDALE, AZ

"Having an advocate like AJR on our side was a lifesaver.

We quickly realized we were novices and completely unprepared to deal with three insurance companies on a multi-million dollar loss.

Besides, we have other businesses to run and dedicating and educating ourselves on claim management and the complex recovery process would have affected our recovery and crippled our business.

The AJR team is knowledgeable, thorough, highly effective, hard working, and respected by insurance companies."

PETE GRUBER, CEO, GRUBER INDUSTRIES, PHOENIX, ARIZONA

"AJR Public Adjusters did an amazing job! The phone call to AJR was literally the most valuable call I made. During a traumatic time (house fire), they were right there by my side ready to help me every step of the way. They immediately responded and assured me everything was going to be okay. They professionally represented me to the insurance company while I was out of town on business. They were completely honest, upfront and guided me through the whole process. I would strongly recommend them to anyone who has gone through a catastrophic event."

NATE LEE,  SCOTTSDALE, ARIZONA

"Stacy & Bruce are some of the most professional people I have met. They were very helpful in this tough situation we were in. Bruce understood and knew how to deal with the insurance issues that came up. He always communicated promptly every situation that arose. We knew instantly what we needed to do to make a complete recovery from our insurance company. Dealing with the insurance company can be very stressful, and Bruce helped alleviate this. We would highly recommend Bruce & Stacy, AJR to anyone who may be dealing with an insurance claim. They went above and beyond the call of duty."

OLGA ESCOBAR & JIM ST. PIERRE, HOMEOWNER, PHOENIX, ARIZONA

"I was under so much stress after six weeks of not being able to resolve my claim on my own. AJR stepped in and solved my issues quickly. They were able to get me everything covered under my policy. Thank you AJR!!"

AMBER WAYNE, HOMEOWNER, PHOENIX, ARIZONA

"Bruce and Stacy at AJR Public Adjusters couldn't have been more helpful throughout my water damage claim. My condominium flooded due to my water heater, and there was extensive damage throughout.They are knowledgable, friendly, and are truely there to help you, not the insurance company, reach your fair settlement. They are great communicators and were able to answer any questions promptly and accurately.

If you ever file a claim with the insurance company, call AJR Public Adjusters, and they will guide you through the whole process. I am very thankful I found AJR Public Adjusters and would recommend them to anyone if they ran into the unfortunate event of a disaster claim."

ALEX STALKFLEET, SCOTTSDALE, ARIZONA

"AJR is a life saver. They are refreshingly honest and committed to helping their clients get what they need and deserve through insurance claims. They are responsive, professional, and really advocate for their clients. I highly recommend this company!"

REBECCA KRAUSE, HOMEOWNER

"After a devastating fire in our vacation manufactured home, we were very fortunate to meet Stacy and Bruce Horowitz. They were recommended by our daughter. They handled everything for us. We never even had to speak to the insurance company. They worked in an organized and professional manner. They really took the burden off us. We got our insurance checks in a timely manner. They were wonderful to work with and we highly recommend them."

MARGI & WAYNE COOK, OWNERS, WE COOK PIZZA & PASTA, TUSAYAN, ARIZONA & SCOTTSDALE, ARIZONA

"It was very good working with Bruce and Stacy. They will help you get your settlement. They were very helpful getting us through the process of settling our claim. I would highly recommend them."

KEVIN & THERESA ROSS, HOMEOWNER, GLENDALE, ARIZONA

"AJR Public Adjuster, Inc. provided fast, efficient, and effective service after another public adjuster dropped my claim. AJR championed my cause, maintained accurate pressure on the insurance company, and was able to negotiate a financial gain 45% higher than the original estimate! Hopefully, I will not experience another catastrophic event in the future; however, if I do, AJR will most definitely be my representation. A+++"

TRACYE A. MOORE, RDH, EdD, DEPARTMENT CHAIR DENTAL HYGIENE, NORTHERN ARIZONA UNIVERSITY, FLAGSTAFF, ARIZONA

"We all know how difficult it can be to deal with an insurance company, especially when your whole life has been turned upside down and you have suffered a loss. After our house flooded I was a mess. Bruce and Stacy came to our rescue and made the entire process as painless as possible. They got us a very fair settlement in record time so we could get out lives back on track. I could not have got through this without them and would highly recommend them to anyone with an insurance claim."

SARAH & BRENT SELF, VIKING STRONG CONSTRUCTION, APACHE JUNCTION, ARIZONA

"I hired AJR Adjusters to help me with an Insurance claim that resulted from water damage caused by a broken plumbing fitting. Bruce and Stacy were very responsive and took complete control of the situation. They took all the burdens and stress of dealing with the insurance company off my back. They made all the calls and handled all the correspondence with the insurance company. I didn't even have to meet the adjuster at the property! Bruce and Stacy did. They have all the same knowledge and tools as the insurance company does so when it came down to the settlement, they were able to get the insurance company to pay for and cover items that were denied in the initial adjuster's report. They were great communicators. They kept me informed via phone, text, and email throughout the process. I'm never calling the insurance company again. When I have my next claim, I'm calling AJR first!"

TOM COMMERS, WESTERN SKIES INVESTORS, GILBERT, ARIZONA

"If you need help in dealing with your insurance company, to make sure you are not being taken advantage of by them, call Bruce and Stacy. They saved us a ton of time and grief. We had a flood in our home, and felt that the adjuster that our insurance company assigned to us wasn't being fair, and was taking advantage of us. Bruce and Stacy made sure we got everything we had coming to us, as well as handling all the negotiations. 100% satisfied with their work, and they are overall just good people. Thank you Bruce and Stacy!!!"

DEVON ROBBINS & JEANINE ROBBINS, SCOTTSDALE, ARIZONA

"Bruce and Stacy were able to get my claim approved in a timely manner and handled all the negotiations with the insurance adjuster, saving me both Time and Money. Their knowledge of the insurance industry was outstanding and kept me informed through the process. I would highly recommend hiring AJR Public Adjusters."

RAUL NAVARRO, JIJ REALTY GROUP LLC, GLENDALE, ARIZONA

"In December of 2015, my primary residence had a plumbing issue, I retained AJR Public Adjusters Inc. Located in Phoenix, AZ. Bruce and Stacy Horowitz went above and beyond my expectations. They expedited the flow of information and documentation between the insurance company and my assigned project manager. The Horowitz's acted in a professional manner by keeping me appraised of the status of work being performed. As many may be unaware the insurance settle agreement is a lengthy process, however, because of the AJR Public Adjuster Inc. I received my settlement in a timely matter and I would have no problem highly recommending them should you need assistance with insurance companies. It was a relief for my wife and myself to find comfort in the hands of true professionals. My sincere appreciation for their service. Best regards, Mr. Passantino"

DENNIS PASSANTINO & JUDI COTRONE, PHOENIX, ARIZONA

"When our home was flooded, we were stressed and worried. Hiring AJR was the best choice we could have made. The insurance company did not seem that cooperative at first, but as soon as AJR (Bruce) was involved, he made things much easier and got us a great result that we wouldn't have gotten without him. It all worked out, with much thanks to Bruce!"

CAREY & RYAN BLOOM, TEMPE, ARIZONA

"My phone started ringing off the hook on Thanksgiving. Much to my dismay, it was my Realtor friend trying to get ahold of me because my rental in Arizona was burning and was ultimately a total loss. Being almost 3,000 miles away, I was under quite a bit of stress about what to do, who to call, the logistics, just to name a few. She put me in touch with AJR Public Adjusters. Bruce and Stacy immediately took control of the situation. They went to bat for me with the initial contractor who boarded and fenced the property, put me in touch with a couple of reliable contractors for demolition bids, and kept me informed daily of the progress. They met with the insurance company, negotiated a settlement, even getting more money that the policy was going to pay. I can truly say that I would recommend AJR Public Adjusters for their professionalism and guidance. It was difficult being so far away and not knowing trustworthy contractors, and AJR steered me in the right direction and provided me a little peace of mind in an otherwise stressful situation. Bruce, Stacy I can’t say thank you enough!!"

TAMI SOMMERVILLE, REAL ESTATE INVESTOR, BIG LAKE, ALASKA

"I had a great experience with Bruce and Stacy with AJR Public Adjusters. Bruce walked us through the whole claim process when we had water damage to our kitchen and even made time to come to our house that day (on very short notice) to assess the damage. He knows his business well. I highly recommend AJR!"

ANNA STROW, SCOTTSDALE, ARIZONA

"Stacy & Bruce, It was very good to meet you. I was not aware that the service you provide was available. I have personally had to deal with insurance companies and claims and it is no fun. Since my mother is older and i can not always be there to speak for her, it is great that you have taken that burden off her shoulders and mine. She appreciates that you got a better settlement than what the insurance company originally offered and that she will get a quality replacement for her water damage. Keep up the good work. Best Regards."

JAN BLEICHROTH, HUGHES PERFORMANCE, PHOENIX, ARIZONA

"Bruce & Stacy were lifesavers for us. We had a major plumbing issue where the entire sewer line had to be replaced. Initial assessment by the plumber showed only one area that needed repair. Once he broke through the tile and concrete, he snaked another camera and found the entire line was cracked. The Insurance Company said they wouldn't pay the additional amount (which was quadruple the original cost) because it wasn't initially identified. AJR jumped in to help and within a day, the insurance adjuster had come back out to do another assessment, and approved the additional cost as per my insurance contract. Bruce & Stacy were incredibly professional, and had the sense of urgency needed for such a major problem. As you can imagine, getting this resolved timely was critical. I would recommend AJR for any support needed in dealing with your insurance pains. Thank You !!!!"

KATHY KARNETH, REAL ESTATE INVESTOR, TEMPE, ARIZONA

"We had a toilet supply line break in our second floor master bath. Within 15 minutes, water poured through our kitchen ceiling and flooded our first and second floors, resulting in extensive damage. After the shock of having to immediately pack out of our house and interior demolition underway, a close friend suggested we hire a public adjuster and offered a reference to AJR. Our initial contact with Bruce and Stacy immediately brought a sense of stability, order, and peace of mind to the chaos of the situation. They were extremely professional, immediately responsive, with a deep knowledge of property insurance and adjusting. With no background in insurance or construction, we knew we were not prepared to negotiate effectively with our insurance company -- and it is all about what you can negotiate. Bruce immediately oversaw all communication and paperwork with the insurance company – a huge blessing in and of itself. And he and Stacy guided us through the processes of property loss, temporary living expenses, and reconstruction. Bruce is a knowledgeable, impassioned, determined, and effective adjuster and negotiator. Always professional in demeanor, he will fight to the end to get the best settlement for his client. He ensured that we received “like and similar” housing for the three-month period that we were out of our home, enabling us to function, live, and work comfortably during this challenging time.

In addition, Bruce and Stacy work hard to cultivate a network of vetted contractors, so resources were immediately available to objectively assess damages, verify the work of the risk mitigation company, and perform reconstruction. As a result of Bruce’s negotiation with our insurance company, we received a reconstruction settlement 50% greater than what they initially offered that will add to our overall property value. Thanks to Stacy’s research and work on our personal property loss, the benefit received also exceeded our expectations. In the end, we are thrilled with the outcome and honored to sing the praises of Bruce and Stacy and their specialized expertise, guidance, and support. They truly care and are committed to achieving a positive outcome for their clients. In our opinion, in this service-based economy, the quality of services and value offered by AJR is hard to match or beat in any field. Bruce and Stacy operate at the top of their game, and we are the grateful recipients of their services when the stakes were high. Deep thanks to you, Bruce and Stacy, for all of your hard work and support on our behalf!"

MARTHA & PHIL KOFFMAN, PHOENIX, ARIZONA

"So after dealing with my insurance company not honoring my policy after a flood I hired my own private public adjuster to represent me and get what was fair for my claim. I honestly can say I wish I would've done this from the very beginning and would've saved myself a lot of time and stress because the truth is my insurance company went out of their way to do as little as possible. I hired AJR Public Adjusters and Bruce and Stacy Keitz Horowitz went beyond the call of duty in representing me. They are completely knowledgeable on the laws and policies for the state and have an amazing track record. With all the storms lately many may be in need of making a claim and if it's personal or commercial property they are your best option for getting a rightful claim settlement from the insurance company. Trust me I wish someone would have told me about them in the beginning! I just wanted to say thank you AJR Public Adjusters."

JENNIFER & JEREMY JOPPRU, SCOTTSDALE, ARIZONA

"Earlier this year, a car crashed into our home, doing severe damage to our garage and leaving us completely without power for weeks. Never having had an experience like this before, it became clear that our family needed somebody to be on our side. Our attorney recommended AJR Public Adjusters. That's when we met Bruce. Bruce's level of expertise immediately put us at ease and he was extremely responsive throughout the process, explaining everything every step of the way. This was a stressful time for our family and Bruce's professionalism made all the difference as we were made whole. If our family ever experiences something similar in the future, Bruce will be our first call."

JILL AND MIKE MELARAGNI, PHOENIX, ARIZONA

"I had a water pipe burst at a local property I own that did considerable damage. I had a positive experience with a Public Adjuster located in Rhode Island and I felt I should go that route once again to protect my interests with this loss. Bruce Horowitz was helpful at every stage of the process and as a result, I was able to recover a larger amount from the insurance company to cover the loss."

KEN REUBEN, SHINDELL SIGNS LLC, PHOENIX, ARIZONA

"I experienced a water line break in my home, which resulted in a significant amount of damage. I proceeded to handle the claim on my own, which was extremely difficult. It was a constant battle and I eventually lost all trust and confidence with my insurance company’s adjuster. After bringing my frustrations up to a relative who is in the insurance business, he recommended that I enlist the services of an insurance adjuster to work on my behalf. I immediately began my research and AJR Public Adjusters, Inc. surfaced to the top. The passion, encouragement and professionalism that was displayed was exactly what I was looking for, Mr. Horowitz accomplished what I was trying to accomplish over several months in just a few telephone conversations. I highly recommend AJR Public Adjusters, Inc. to anyone who is dealing with an insurance company."

JOSEPH LOREDO, GOODYEAR, ARIZONA

"We would highly recommend AJR Public Adjusters. Our water softener literally blew up and flooded our entire house. Our insurance agent inspected the damage and didn't think we would even meet our deductible. Through a friend we contacted AJR and Bruce Horowitz, who immediately got involved and completely took charge of all communication with our insurance company and the contractor. He knew exactly what needed to be done and stayed on top of everything throughout the entire renovation which exceeded our deductible by thousands of dollars. Bruce kept us informed of everything that was going on at all times and was so considerate and respectful of our concerns during this time of devastation. We cannot even imagine going through this extremely stressful and difficult time without Bruce as our advocate. We highly recommend AJR/Bruce and Stacy Horowitz to anyone going through a devastating property loss."

JACK AND RITA RICHARDS, PHOENIX, ARIZONA

"I would like to commend AJR Public Adjusters, particularly Bruce and Stacy Horowitz for turning a disaster into a manageable project. In October of 2013, my daughter and grandchildren went to our cabin in Pine, AZ for a weekend. I had told my daughter that the wood stove in the kitchen was ready to light to start the warm up process in the cabin. I was not aware that my husband had left a large "Boom Box" on the back of the stove. My daughter did not notice it and lit the fire then went into town for dinner. When she returned, the kitchen was on fire. The fire department responded and was able to put out the flames with large extinguishers, saving the kitchen from water damage. However, the entire cabin sustained smoke and soot damage, all the way to the back closet. I called my insurance company to report the damage, and then, having had 3 prior claims which were handled poorly by the insurance adjuster, I checked the internet to find a Public Adjuster to be on "my side". I am so happy I called AJR. Bruce came up to Pine the next day, He and Stacy logged all the damage as well as every personal item, and assisted me every step of the way. We are now almost done replacing our property and they will get me the depreciation that was withheld by the insurance company. Don't ever try to handle a loss to your property on your own. I had years of experience in the insurance industry and thought I could do it. I tried 3 times, and proved myself wrong. Believe me, the cost to hire AJR is more than covered by the additional amount they will get for you. Leave the details to them, and save yourself the aggravation! "

KATHY DREW, CHANDLER, ARIZONA

"Bruce represented us in our claim for repair of a flood damaged kitchen. His work was professional and effective. He knows his business and he gets results. Would use again."

GARY & SUE KNOPP, SCOTTSDALE, ARIZONA

Client Testimonials about AJR Public Adjusters in South Carolina

"We recently engaged Bruce Horowitz and AJR Insurance Consultants, Inc on a fire which destroyed our 90 yr. old mothers’ home. Although faithfully paying her insurance bill for over 40 yrs with State Farm should have warranted a quick and fair settlement of that claim, it unfortunately did not. We hired Bruce and AJR Insurance Consultants, Inc and it was only through their efforts that we were eventually able to settle that claim. The time, energy and aggravation required was greatly reduced by Bruce’s efforts and I feel certain we could not have collected anywhere near the final result we received had it not been for Bruce’s involvement.

I can without equivocation, highly recommend Bruce and AJR. Their knowledge, expertise, determination and professionalism were what allowed us to successfully collect the maximum amount rightfully owed to my mother."

RUSSELL BENNETT, ESQ., SULLIVANS ISLAND, SOUTH CAROLINA

"At the time of the fire, which resulted in a total loss of my orthodontic office, I truly was unsure as to how the insurance companies reimbursed their clients. I stood in front of the building, as it still smoldered, and wondered how the insurance company would determine the extent of my loss.

On the face of it, I knew that everything was a total loss, but a quick call to my attorney confirmed my suspicion that simply having some pictures or reports from the insurance company’s own adjuster would not result in me receiving the full benefits entitled to me as a policyholder.

I interviewed three potential independent adjusters and chose AJR based on their reputation and the knowledge both Bruce and Stacy seemed to have regarding the entire process. I was not disappointed. Within days we had an advance on our claim and in the following months an extremely detailed, dare I say exhaustive; report was compiled detailing my building/equipment loss. The claim was paid in full. Since then we have been diligently working together to assemble the Business Interruption claim. This has been, and is, also compiled with the same degree of thoroughness that the equipment claim was done in and the result is that the insurance company is paying completely and promptly on this claim as well.

Simply put, I wouldn't have had the knowledge or the time to do any of this, to this level, either on my own or simply with an attorney. The results speak for themselves and I am a very satisfied client who would heartily recommend AJR to anyone who finds themselves facing a disaster loss."

DR. MICHAEL ZETZ, ORTHODONTIST, CRESCENT MOON ORTHODONTICS, DANIEL ISLAND, SOUTH CAROLINA

"I wanted to take a minute to thank you for the outstanding job AJR did with our fire claim.

As you know, fire damaged our 18,000 square foot corporate headquarters in 2008. After getting nowhere with our insurance carrier, we naively assumed they had our best interest at heart, we engaged AJR for the appraisal process. The appraisal process, while supposed to be similar to arbitration and therefore less costly and faster than court, was hijacked by the insurance carrier and their representatives.

AJR, thanks to your wisdom and experience, represented us in a fair and objective manner, acting just as an appraiser should. Your refusal to deviate from appraisal protocol forced the insurance carrier to abide by the rules and resolve the claim.

Thank you again for your professionalism and guidance through this process.”

HANK CHEVES, PRESIDENT & CEO, ANCHOR SIGN, INC, CHARLESTON, SOUTH CAROLINA

“Before I start, I must sincerely thank Bruce and Stacy Horowitz of AJR Insurance Consultants for their compassion, knowledge, and professionalism in a time when my husband and I most needed it. Here’s our story…

My husband and I own the restaurant Al Di La in Charleston, SC. As business owners, we’re constantly trying to separate the issues of work from those at home. I mean, the restaurant business is brutal, and it’s difficult to not let matters of the workplace affect our home life, and more important, the well-being of our child. For our sanity, we’ve had to learn to let it go.

Oftentimes, we’ve joked and said, “as long as the place doesn’t burn down.” Well, my husband and I weren’t expecting it to happen, literally!

On a casual Sunday, when ironically, we were closed for business, my husband walked in our establishment to find a fire -- a slow-burning flame that had wreaked havoc on our kitchen over the course of twelve long hours. By the grace of problem-solving and courageousness, my husband was able to extinguish the blaze. At that point, we were thankful, and thought the hard work was behind us. Boy, were we naive?! Little did we know our insurance company was going to make a bad situation even worse! Basically, we were defenseless and ill-equipped at dealing with the jargon, the false promises, and the uncertainty that overwhelmed us after each phone call with our insurance providers. The only certainty we had was in the form of large boxes delivered to our restaurant… a gas range, a freezer, a char-broiler, etc. Oh, and bills, too! I suppose we should’ve prepared for this rainy day better, but what with the state of our economy, it’s hard! Not to mention, we’re a young family.

This is where it all changes for the better though… we met Bruce and Stacy Horowitz of AJR Insurance Consultants. Our meeting was the turning point. From that day forth, we no longer took the abuse, inflammatory language, or indifference our insurance company demonstrated on a daily base. The Horowitz team armed us with the knowledge we needed to receive compensation for our incurred expenses, employee wages, and loss of income due to the circumstances of our accident.

More important, the relationship we developed with the Bruce and Stacy was personal and real. To them, we weren’t just a six-digit claim number. We were hard-working people that needed help.

In the event of another catastrophe, I would not for one minute hesitate to call AJR Insurance Consultants.”

MARK KOHN & GILLIAN MULLIGAN KOHN, AL DI LA RESTAURANT, CHARLESTON, SOUTH CAROLINA

"I didn’t know how much my life would change as the firemen were extinguishing the flames coming from my garage fire. Long after the soot and standing water were removed, two things remained; the simple loss of our possessions and the complex processes of our insurance company. Additionally, my job required me to travel a great deal and my wife had recently given birth to our newborn. In short, I needed someone that I could count on to best represent me and my family’s interests when dealing with my insurance company’s claims and reimbursement processes.

I needed someone that would take the time to walk me and my wife through these insurance processes and provide expert guidance on what seemed to be a foreign language to me. I conducted a thorough search for a public adjuster that fit this skill set. After calling and interviewing other adjusters I found that one stood out among them all - AJR Insurance Consultants. From our first meetings with Bruce and Stacy, it was clear that their firm had demonstrable experience in the field and quickly brought our claim and reimbursement to a prompt conclusion. However, it was no easy task. Bruce and Stacy did what my wife and I could not do in order for us to receive the full benefits entitled to us as policyholders. This included photographing and itemizing over 1000 items to support a detailed inventory list with necessary valuations.

As extremely satisfied and grateful clients of AJR Consultants, we wholeheartedly recommend their services to anyone facing a similar situation."

DAVE HUEMPFNER, DANIEL ISLAND, SOUTH CAROLINA

"Thank you again for meeting with my husband and me to discuss the hurricane damage to our home. We greatly appreciate your caring attitude and willingness to help us with our problem. We also appreciate all the good information you shared with us about how to approach our insurance company. While we did not have the opportunity to work directly with you, we feel confident that those who avail themselves of your services are lucky to have you as their representative. Thanks again for all of your good advice and help in our time of need."

FRAN ROSENBLATT, DELRAY BEACH, FLORIDA

"If you've suffered a loss and find yourself face-to-face with an insurance company that doesn't seem to care call AJR Insurance Consultants. Contacting AJR after a fire completely destroyed my Charleston home was the best move I ever made.

AJR worked diligently to make sure my insurance company honored every nuance of their homeowner's policy -- something one would hope is automatic after you faithfully pay your premiums for over a decade. Yet in reality I found the insurance company to be incredibly indifferent to my loss.

Although I had paid my homeowner's premiums faithfully and on time for more than a decade, I found my insurance provider less-than-willing to cover my damages, less-than-up front about my existing coverage’s and less-than-inclined on keeping their policy promises. When they threatened not to honor my coverage, Bruce and his team left no stone unturned reviewing my policy and comparing their arguments with South Carolina insurance regulations to prevent them from reneging on their obligation. Bruce persistently kept them on track, challenged erroneous or incorrect information and procedures to make it virtually impossible for them not to honor their stated terms of coverage.

Without AJR looking out for my best interests I would still be taking the insurance company to task for every stated line of my homeowner's policy. I would have had no ally in the process. There were many times it was obvious that the only people concerned about the loss of my home or about making me whole again in the process was AJR Consultants.

I owe AJR Insurance Consultants my sincere thanks. My only peace of mind during the claims process was knowing that Bruce and his team would leave no stone unturned to make sure the end result was fair and equitable. I could rely on them to possess a thorough understanding of my policy and insurance obligations. For me, Bruce single-handedly kept the entire process from being an absolute nightmare by turning it into a situation that, for me, was easy to understand and above all honest. Thank you AJR.”

JENNY SHIELDS, CHARLESTON, SOUTH CAROLINA

“I was first introduced to AJR Insurance Consultants, Inc and Bruce Horowitz when the contractor I asked to look at the water damage from a pipe rupture told me he would not fix the garage for the money our insurance company of 30 years was offering to repair the damage to 2/3 of our home. After many phone calls and much frustration a lawyer suggested I speak with Bruce Horowitz. I cannot express how grateful both my husband and I are to Bruce. He responded quickly to our call, determined the response from our insurance company was completely inadequate, and went immediately to work for us. Bruce guided me through the initial phone calls to the insurance company. He always responded very quickly to my questions and fears. Once the initial communication was out of the way, Bruce took over all contact with the insurance company and insurance commission. Every contact was copied to me. Any conversations were summarized and sent to me via e-mail. I felt very confident in his ability to resolve our problems. I always felt protected. It was a very long, arduous process, but we are finally back in our home. I am sure, if not for Bruce and AJR Insurance Consultants, we would still be living in two rooms, trying to repair all the damage ourselves. We would never have negotiated the insurance company’s delays and deceptions without Bruce at our sides. During the process we had a phone conversation with Alicia Cornelius of the Insurance Commission. She was so complimentary of Bruce, his professionalism, his knowledge of insurance, and his perseverance. She said she learned so much about insurance from him. And that we were lucky to have him on our side. We agree. We cannot thank AJR enough!"

KAY & WAYNE JOHNSON, MT. PLEASANT, SOUTH CAROLINA

“We are writing to express our extreme gratitude and admiration. We are now settled into our newly rebuilt home after a devastating house fire. This was a great tragedy and extremely trying time for us and our family. The emotions that we experienced immediately after the fire and beyond were confusing and exhausting. After dealing immediately with the large claims adjuster from the insurance company things were looking very bleak, to put it mildly. We instinctively knew that we were not capable or qualified to deal with this huge corporation on our own as we knew virtually nothing about the insurance industry; its laws, or its subtleties. After some online research "AJR Insurance Consultants" were recommended by a national organization. We called as fast as we could and your reply was you would meet with us at the sight within 48 hrs. (We live over 100 miles away from your office.) Upon meeting you for the first time and allowing you to do your job so well, even the first day, my family and I were enveloped with a sense of security and peace. We knew that we now had someone in our corner that was looking out for our well being. Your professionalism and honesty and integrity were well received by us. I remember telling my friends and family that you were sophisticated yet tenacious at the same time, a winning combination for us. In the end, of course, everything worked out quite well for us, thank God. We know without a doubt that without "AJR" at our service we never would have received what was due us and we never would have finished completely satisfied, as we are.

Thank-you Bruce and Stacy with all our hearts, Gratefully and Respectfully yours!"

ANDREA & CRAIG LASKER, FLORENCE, SOUTH CAROLINA

“AJR was a true lifeline for me after Hurricane Katrina. AJR was with me every step of the way throughout the grueling insurance process. There is not a doubt in my mind that I could not have handled this crisis without the knowledge and persistence of AJR.”

IVAN SHERMAN, LOUISIANA

“Thank you for your hard work and for so well managing this case for us.”

MAURICE & JOAN FOX, CHARLESTON, SOUTH CAROLINA

“I had no trouble writing this check for your services. Ruthe and I both feel that we really got our money’s worth and more in contracting you and your wife. There is no doubt in our minds that if we had not had you two on our side we would have most likely gotten a lot less than what we did get and I would have had a lot more blood pressure spikes that what I had!"

JIM & RUTHE BRACKETT, SENECA, SOUTH CAROLINA

“When I had an electrical fire which did massive damage to my house, the first call I made was to AJR. I had known of their services for a while and had always said if I ever had a fire or suffered hurricane damage or some other disaster; they would be the first phone call I made. The fire was a traumatic experience, but AJR made the aftermath the best it could be considering the circumstances. They did a complete inventory of my belongings, including estimates on replacement costs; they did all negotiation with the insurance company and basically handled everything. I also appreciated their sensitivity and compassion in regards to my emotions in dealing with the loss. With a job in which I was under a lot of stress, worked long hours and traveled frequently, I honestly don’t know how I would have handled all this on my own. I also know I would never have come close to getting the settlement I got, without their experience, knowledge and negotiation skills.

I would highly recommend AJR!"

MARGARET COTTON, MOUNT PLEASANT, SOUTH CAROLINA

“Five weeks after my house was struck by lightning there was an explosion in one of my bathrooms. My insurance company wanted me to make a separate claim because they did not believe the explosion had anything to do with the lightning strike. My house was practically brand new and I was certain the lightning had caused this to happen. A friend recommended I call AJR Insurance to help me deal with the insurance claims adjuster. Bruce Horowitz came out immediately and picked up with all the correspondence to my carrier and gave me the name of a forensic engineer to investigate the explosion. After the investigation there was no doubt that the lightning strike had caused a leak in the gas line and the claims adjuster had no argument with paying the claim. If I ever go through an experience involving an insurance company and their claims adjuster again, the first person I would call is Bruce Horowitz and be assured he would handle everything with no stress on my part.

I highly recommend anyone who has to deal with insurance companies and their claims adjusters, go straight to AJR Insurance Consultants first and save yourself a lot of time and frustration! They are the best!"

BARBARA WADE, MOUNT PLEASANT, SOUTH CAROLINA

“I was at a loss on what to do after my house fire. Fortunately, a friend highly recommended I contact AJR Insurance Consultants. I am so glad I did! AJR looked out for my best interests hands down. I would have never been able to handle the claims on my own, especially while dealing with reconstructing my house and replacing my possessions. AJR handled everything on my behalf, professionally and with great care and diligence. If I ever experience another catastrophe (hopefully not), I would call them right after 911! I highly recommend them to anyone looking for representation when it comes to dealing with insurance companies.

They are the best and the service is exceptional! Well worth every penny!"

GARRETT BARBER RUST, MOUNT PLEASANT, SOUTH CAROLINA

“As we come toward the end of our joint struggle I want to express my appreciation and gratitude for all your kind attention. To be awakened and step from my bed into 3 inches of water that had accumulated from a busted connection (which brought water from the main supply into my hot water heater) was disconcerting, to be sure. I am grateful that you were recommended to me by a close friend who had my best interest in her mind and heart. Your immediate response and information was reassuring.

Once AJR was on board, I knew that I had an advocate that brought expertise and experience to an overwhelming situation. The difficulties with my insurance company you handled with tenacity, calm and skill. I am grateful for all your kind attention!"

ELLEN ELMALEH, MOUNT PLEASANT, SOUTH CAROLINA

“We would like to express our deepest gratitude and how grateful we are for everything you have done for us. We cannot thank AJR Consultants enough. Having you representing us was a success!

Our advice to AJR Consultants is to keep up the good work and job well done. Thank you so much!"

ANGELO & QUEEN RAVENELL, SOUTH CAROLINA

Connect with AJR

Bruce L. Horowitz - President AZ License # 622419 bruce@ajrpa.com Stacy K. Horowitz - Vice President stacy@ajrpa.com www.ajrpublicadjusters.com www.betterclaimresults.com info@betterclaimresults.com claims@betterclaimresults.com

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