About The JF O'Toole Company and Why You Can trust Us

Serving The Western States

James F O’Toole Co., Inc. is licensed in Arizona, California, Colorado, New Mexico, Washington and Texas.

The oldest public adjusting company in Arizona & One of the Oldest in the USA

We are one of the oldest privately owned public adjusting firms in the country having been established since 1946. No other public adjusting company has handled as many wildfire claims as the O’Toole Company. You will have the knowledge and experience of  O'Toole Company and all our resources to assist you in your time of need. Being family owned and operated, Jim O’Toole will personally be working on your claim giving you an assured personal touch.

Jim O’Toole has personally been a licensed public adjuster for over 35 years, is a second-generation public adjuster, is qualified as an expert in the Superior Court for claims handling standards and property evaluations. Mr. O’Toole Jr has extensive construction background experience.

Check out our recent recoveries to see the increased amount of monies insurance companies pay after our involvement versus the preliminary offer.

James F. O'Toole - Insurance Adjuster

Known as one of the foremost Private Insurance Adjusters in the Southwest, Jim O’Toole got his start in 1976 at the young age of 17. He learned the claims adjusting business at the heels of his father James O’Toole Sr.

Jim’s Father was originally employed by Allstate as an adjuster. Later he founded JF O’Toole and worked for decades as an independent adjuster resolving claims for clients throughout the Eastern US and Puerto Rico. If he wasn’t the first Public Insurance Adjusters in the United States, he was one of the first, setting the standards for the industry and winning fairer settlements for clients.

The family eventually moved from New York to Arizona where Jim Jr. graduated from Chaparral High School in Scottsdale in 1977. Scottsdale has been home ever since. 

The O’Toole family has also been involved in other aspects of the insurance and construction business.

  • Jim Sr. worked with a number of different construction companies
  • Jim’s mother was an independent insurance agent

Jim’s work history includes:

  • Framer for AG Spanos
  • Canyon State Builders doing Insurance Restoration construction
  • The Ludwig Design Group - building custom homes
  • Managing Partner at KIWI Construction
  • Built several custom homes from the ground up.

During his entire working career, he was also working for the James F. O’Toole Company. 

He became a licensed Public Insurance Adjuster in 1979 and has been continually licensed since then.

Jim is licensed in Arizona, California, Colorado, and Washington. He has also been called upon as an expert witness in the Superior Court for claims handling standards and property evaluations.

Claims Experience

James O’Toole has been involved in adjusting for thousands of insurance losses including:

  • The LA Riots (CA)
  • Los Alamos (Cerro Grande) Fire (NM)
  • Rodeo Chediski Fire (AZ)
  • Mount Lemon Fire (AZ
  • Malibu Fire (CA)
  • Newport Fire (CA)
  • Carefree Complex Fire (AZ)
  • Prescott Fire (AZ)
  • Wallow Fire (AZ)
  • The Waldo Canyon Fire (CO)
  • Phoenix Hail Storm of 2010 (AZ)
  • The Yarnell Hill Fire (AZ)
  • North Ridge Earthquake (CA)
  • Goodwin Fire (AZ)
  • Fallbrook Fire (CA)
  • The Brooklyn Fire (AZ)

Public Adjuster’s Licenses Held

James O’Toole is licensed as a Public Insurance Adjuster in the following states:

  • California License Number: 2802542
  • Arizona License Number: 77240
  • Washington License Number: 897506
  • Nevada License Number 3270217
  • Colorado License Number: 240866

Lisa F. O'Toole - Insurance Adjuster & Notary

Lisa is also a long-time Scottsdale resident having graduated from Chaparral High school 1977. She and Jim were married shortly after she earned in BS from Grand Canyon College in 1982.

Her employment history includes elder care and the travel industry. In 1989 she was licensed as a Public Insurance Adjuster. 

Licenses and Registrations Held

Lisa O’Toole is licensed as a Public Insurance Adjuster in Arizona. License Number 6745826.

She is also a registered notary public.


Caitlin R. Insurance Adjusting Assistant

Caitlin has been an essential part of the JF O’Toole team assisting Jim and Lisa in contesting and resolving claims since 2015.

As an adjuster, she has helped resolve thousands of claims and earn clients the settlements that they deserve.

Jim O'Toole Public Insurance Adjuster

Photo To Come

Photo To Come

JF O’Toole Company History

JF O’Toole is the Oldest Public Adjusting Company In Arizona & One Of The Oldest In The USA. We are one of the oldest privately owned public adjusting firms in the country having been established in 1946. 

No other public adjusting company has handled as many wildfire claims as the O’Toole Company. You will have the knowledge and experience of  O'Toole Company and all our resources to assist you in your time of need. 

Being family-owned and operated, Jim O’Toole will personally be working on your claim giving you an assured personal touch.

Jim O’Toole has personally been a licensed public adjuster for more than 35 years. He is a second-generation public adjuster and is qualified as an expert in the Superior Court for claims handling standards and property evaluations.

Mr. O’Toole Jr also has extensive construction background experience.

Check out our recent recoveries to see the increased amount of monies insurance companies pay after our involvement versus the preliminary offer.

How do We Get You More $$$

Clients want to know how we are able to get them more money from the insurance company. Insureds think because they’re friends with the insurance agent and they paid premiums to their insurance company for the last 20 years that they are special to the insurance company and agent. That’s not true, once a loss is reported the claimant is usually treated as an adversary.

A problem a lot of insureds have is they perceive that I will be taking money out of their pocket that they would have got already from the existing claim.

The adjusters will show up with his heard of captive agents and preferred vendors such as restoration, builders, water extractions, etc. You will find out later in the claim that they are all working together for the insurance company's interest, not yours. The adjusters will want you to sign contracts with their preferred vendors, then they will claim you hired them and any dispute in workmanship and scope is between you and the vendor, as insured hired the contractor/ vendor. By the way, the contractor vendor works off the company adjusters scope not their own. Remember you are only going to see these vendors once but, the carrier uses them every day. Who's back do you think they have?

Why Not Just Fight for This Myself?

The answer is it takes a team to increase claims payments. The family run team at O’Toole Co only have your interest at heart. Some adjusting companies are only interested in signing you up and getting the claim resolved as fast as possible and collecting a small fee. The insureds receive a little in the way of dollar increase with other public adjusters. At O’Toole Co. we fight for you as if you are a member of our family!

See additional examples.

If there is no recovery, there is NO FEE!

Here at O’Toole Company, we strive to get fair service for you.

Our fee is based on a percentage of the recovery, the higher the recovery for you the more we earn, which is the incentive for the public adjuster to maximize your legitimate recoverable loss.

WE WORK ONLY FOR YOUR INTEREST!

How it Works:

  • No retainer or up-front money required
  • Fees are based on a contingency
  • No fees to us until recovery begins
  • Since each and every claim is vastly different, we need to evaluate the loss
  • Contact us for your free consultation today!

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, Texas, or Washington,
please schedule a FREE, No-Obligation Consultation to find out if you are getting a fair settlement!