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Testimonials
“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!"
—Craig & Andrea 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, Mt. 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, Mt. 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, REALTOR–Broker, 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, M.D. 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