Our Insurance Claim Representation Services

ARIZONA PUBLIC ADJUSTERS
We represent you the insured and do so on a contingency fee basis. This means we don’t get paid until the insurance company pays you. Benefits of working with
Arizona Public Adjusters, LLC include:

1. Maximizing the Claim Settlement

  • Higher Payouts: Arizona Public Adjusters, LLC (AzPA) has extensive experience in evaluating claims, spotting hidden damage, and negotiating with insurance companies. This leads to higher settlements than what a policyholder would likely receive on their own.
  • Full Compensation: We work ensure that all damages are included in the claim, not just the obvious ones. This includes future repair costs, hidden damages (like water or smoke damage behind walls), and additional living expenses if you are unable to live in your home or if you are unable to use part of your home.

2. Expert Knowledge of Insurance Policies

  • Policy Interpretation: Insurance policies are almost always complex, with fine print that can be difficult to understand.  Arizona Public Adjusters has the expertise to interpret the policy accurately and to ensure that the policyholder is aware of all the coverage available to them.
  • Avoiding Underpayment: Arizona Public Adjusters works to prevent the insurance company from underpaying your claim by ensuring that your claim is documented accurately, filed correctly and, that all coverages, exclusions, and limits are clearly presented to the insurance carrier.

3. Time-Saving and Stress Reduction

  • Managing the Process: Filing an insurance claim can be time-consuming and stressful, involve a lot of paperwork and back-and-forth communication.  Arizona Public Adjusters will handle the entire claims process, from documentation to negotiation. This will save you, the policyholder, time and effort.  We will do al of the talking for you.
  • Focus on Recovery: With a Arizona Public Adjusters managing your claim, the policyholder can focus on rebuilding and recovery, knowing their claim is in expert hands.

4. Accurate Documentation and Claim Preparation

  • Detailed Assessment: Arizona Public Adjusters provides thorough documentation of the damage, including photos, videos, and advice about when professional reports are necessary.  We also create detailed estimates for repairs and replacements, ensuring that nothing is missed.
  • Professional Reporting: AzPA use industry-standard tools and methods for assessing damage, which helps when negotiating with insurance companies. Their reports are more likely to be taken seriously by insurers.
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5. Experience in Complex or Large Claims

  • Handling Large Losses: For significant claims, such as those involving fire, flood, or major structural damage, Arizona Public Adjusters bring the experience and expertise needed to manage complicated claims efficiently.
  • Multiple Types of Damage: AzPA is skilled in handling claims involving multiple types of damage (e.g., water, smoke, and structural damage), ensuring that each aspect is documented, valued, and compensated correctly.

6. Handling Insurance Company Disputes

  • Advocating for the Policyholder: If the insurance company disputes the extent of the damage or the amount of the loss, Arizona Public Adjusters is licensed to act as an advocate for the policyholder. We provide evidence and expert arguments to support a fair settlement.
  • Leveling the Playing Field: Insurance companies have their own adjusters whose job is to protect the insurer’s financial interests. This includes an “Independent Adjuster”.  The best rule of thumb is that if the insurance company has sent them, adjuster or contractor, they work for the insurance company and must do their bidding.  Arizona Public Adjusters level the playing field by advocating solely for the policyholder’s best interests.  You wouldn’t go to court without an attorney.  Why would you negotiate the repairs of your most important asset against experts without qualified help?
  • Preparing for Future Legal Actions:  Although we prefer to get claims settled quickly and fairly, there are times when the insurance company will not agree to the benefits that they have promised. In these cases, you must be prepared to go to court to find justice.  AzPA will be with you all the way and will have properly prepared you and the claim for this step.  We will also assist you to find a qualified and committed legal advocate when necessary.    

7. Avoiding Common Claim Mistakes

  • Proper Filing: Arizona Public Adjusters, LLC ensures that the claim is filed correctly, with all necessary documentation and information. This reduces the likelihood of the claim being delayed, underpaid, or denied due to errors or omissions.  Don’t make the mistake of misfiling or failing to file you notice of loss, proof of loss, or do what many insurers do by letting the insurance carrier make your claim for you. Let us assist you in making your claim to the carrier.
  • Compliance with Deadlines: They manage important deadlines, ensuring that the claim process moves forward without delays or issues that could jeopardize the claim.
  • Disposing of Damaged Property Too Soon:  Don’t throw away items too soon.  If personal property or other damaged items have been thrown away, you may have lost your “best proof” to collect the benefits in many cases.  It is best to wait until you have your check in hand before throwing things away.

8. Negotiating Skills

  • Experienced Negotiators: Insurance settlement is what we at AzPA do.  Arizona Public Adjusters is skilled negotiators who understand the tactics used by insurance companies to minimize payouts. They can push back on low offers and negotiate for a fair and just settlement.
  • Familiarity with the Insurance Process: Having worked on many claims, Arizona Public Adjusters know how to navigate the claims process effectively and how to respond to common tactics used by insurers to delay or reduce payments.

9. Mold, Water, Fire, and Hazardous Material Claims

  • Specialized Expertise: For claims involving complex issues like mold, water damage, fire, or hazardous materials, Arizona Public Adjusters bring specialized expertise. They know the long-term risks associated with these damages and ensure that all necessary remediation work is included in the claim.
  • Comprehensive Evaluation: We are trained to recognize hidden or secondary damage that can arise from water, fire, or other disasters, ensuring nothing is overlooked. 

10. Contingency-Based Fees

  • No Upfront Costs: Arizona Public Adjusters works on a contingency fee basis, meaning we only get paid when you do. This removes any upfront financial risk for, you, the policyholder.
  • Affordable Service: The fee is typically a percentage of the settlement (often around 12.5%–15%), which is usually outweighed by the increased settlement amount we secure.

11. Navigating Claim Denials

  • Challenging Denials: If an insurance company denies your claim or offers a settlement far below your expectations, we will work with you to challenge this decision in many cases. We will work to provide evidence and professional reports to counter the denial and fight for a fair payout.
  • Challenging Low Offers: If the initial settlement offer from the insurance company is too low, Arizona Public Adjuster will negotiate on the policyholder’s behalf to increase the payout.

12. Avoiding Emotional Decisions

  • Objective Approach: After a disaster, emotions can run high, making it difficult for policyholders to make clear, objective decisions. Arizona Public Adjusters approach the claim with a professional, unbiased view, helping to avoid rash decisions that could hurt the outcome of the claim.
SECURE NOW

Your Claim, Our Mission

At Arizona Public Adjusters, our mission is simple: We pursue the full value of your insurance claim until every dollar owed is paid. With expert guidance and dedicated service, we handle the complexities of your claim, so you can focus on what matters most—recovering and moving forward.

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