“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 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.