Water and Fire Damage Collage for Insurance Adjusters

A Trusted Public Insurance Adjuster

JF O'Toole has more than 100 years of combined experience as a public insurance claims adjuster in Arizona, California, Colorado, Nevada and Washington.

What is a Public Insurance Adjuster?

We are a service that provides professional claims adjusting to homeowners and business owners.

Simply put we get the maximum justifiable settlement for you from the insurance company.

We become your advocate and spare you the pressures of preparing and negotiating a claim on your own.

We are usually able to get our clients a much larger settlement than the insurance company originally offered.

See how much more we've earned for our clients here.

 

AND, we only get paid when you do!

Learn more about how we work in the short video to the right --->

How Do I Know If a Public Adjuster Can Help Me?

  •  Have you had an insurance claim in the recent past that didn't go well?
  • Are you going through an insurance claim right now and are wondering if you're getting what you deserve?
  •  Do you feel that you are being treated fairly by the insurance company?
  •  Do you know that you have options to contest your claim and get a larger settlement?
  •  Has your claim been denied, stalled, or low-balled?
  •  Do you want to fight an insurance company's offer because it seems to be final and unfair, but you're not sure how to do it?
If you answered "Yes" to any of these questions, a private, public insurance adjuster may be able to help you get what you deserve.

We Assist with Residential and Commercial Insurance Claims

Residential Claims Adjusting

Residential Fire Garage Roof

When it comes to home insurance claims we provide adjusting services to help with many different issues types of losses including:

  • Water Damage
  • Floods
  • Hail
  • Fire
  • Theft
  • Alternative housing
  • Smoke Damage
  • Storm Damage
  • Hurricanes
  • Micro Bursts
  • Wind Damage
  • Earthquake
  • Appraisal of Damages

 

 

Commercial Claims Adjusting

Jim O'Toole sitting in a restaurant fire site.

We've helped our commercial clients gain hundreds of thousands of dollars in settlements for claims involving the following types of losses:

  • Theft
  • Loss of Income
  • Business Interruption
  • Smoke Damage
  • Storm Damage
  • Hurricanes
  • Fire
  • Micro Bursts
  • Wind Damage
  • Water Damage
  • Floods
  • Hail
  • Fire
  • Earthquake
  • Appraisal of Damages

Testimonials from Residential and Commercial Clients

Residential Fire, Smoke and Water Claim Insurance Settlement

Our family has submitted claims for two devastating losses: Fire, Smoke and Water Damage from our sprinkler system.

It is without hesitation that I recommend Jim O’Toole to anyone who could benefit from the assistance of a public insurance adjuster to ensure that they get a fair settlement. Jim is the best!!

Theresa B Keeley
Santerre & Vanderkrol
Attorneys At Law

Home Flood Claim Settlement

I want to thank you for the excellent manner in which you took care of our flood claim. Your dedication and attention to our claim were above and beyond our expectations.

We can't thank you enough for the way you were able to negotiate such a great settlement for us.

We know no one could have or would have handled our claim any better than you. 

Sincerely,

Brad Elrod
Cave Creek, AZ

House Fire $100,000 Recovery

Dear Mr. O’Toole,

Please accept our sincere thanks for the outstanding job you did in settling our claim following the fire. Without your assistance, we would have never received the additional $30,000 required to repair our house correctly.

If it were not for your carefully documented file, we would not have recovered the $100,000 for the insurance company’s mishandling of our claim.

Sincerely,

Harold & Lupe Carson

Dental Office Insurance and Loss of Business Claims

This letter of recommendation is written to document my two-decade business relationship with James O’Toole and company.

In 1996 soon after starting my dental practice, Mr. O’Toole represented me in negotiations with my insurance company after a loss at my dental office. I left all the details to him and was very surprised to receive a settlement far in excess of what the insurance company initially offered.

In the summer of 2015, there was damage to my dental office. The building was declared unsafe by the fire marshall and I was effectively out of business for several months. Despite the distress caused by this accident, I had the sense to call James O’Toole before doing anything else. Mr. O'Toole sprang into action fighting to ensure that I received everything due under the terms of my policy.

Lucian Morse, DMD

Expedited Business Casualty Loss Settlement

Dear Jim,

I would like to take this opportunity to thank you for the excellent way in which you handled our casualty loss on the Sierra Vista Complex.

You were able to negotiate an excellent settlement and since time was of the essence, you were also able to send our checks in record time.

Jim, you did a fine job and I appreciate the time and effort that you spent on our behalf.

Look forward to seeing you in the future.

Sincerely,

Brent Fairchild
President
Fairchild Financial Services

Are you getting a fair settlement?

Do you want to know how to get more money from your insurance company? 

If you live in the states of Arizona, California, Colorado, Nevada or Washington,
please schedule a FREE, No-Obligation Consultation to find out if you are getting a fair settlement!