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ABOUT AJR INSURANCE CONSULTANTS SERVICES

"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

"If you've suffered a loss and find yourself face-to-face with a 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 coverages 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 singlehandedly 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 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 wellbeing 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 naïve?! 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 charbroiler, 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 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

"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 was 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

"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

"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, 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