Testimonials – Residential

As public insurance adjusters, we regularly receive testimonials and letters of gratitude from clients we have helped. We’re grateful to be able to serve them during these difficult recovery experiences.

Learn more about how we win against insurance companies by using the Insurance appraisal clause here.


Fire and Water Damage Recovery

Our family has submitted claims for two devastating losses that resulted in extensive damage to our home, one due to fire and subsequent smoke and water damage, and the second due to water damage caused by our home sprinkler system.

After both catastrophic events, especially after the fire, our home looked as if it would never be the same. We were afraid that in order to restore our home to its former condition, we would have to spend countless agonizing hours arguing with our insurance company and dealing with difficult contractors before we could ever hope to obtain satisfactory results.

Fortunately because of Jim O’Toole’s dealing with our insurance company he helped to make the unfortunate and traumatic time much easier for us than it would otherwise have been. Due to Jim’s assistance, everything went smoothly and our home was rebuilt and repaired even beyond our expectations.

It is without hesitation that I would recommend Jim O’Toole and his company to anyone who has been involved in a situation similar to ours and could benefit from the assistance of a public insurance adjuster to ensure that they get a fair settlement from their insurance company. Jim is the best !!

Very truly yours, Theresa B Keeley
Santerre & Vanderkrol – Attorneys At Law
Scottsdale, Arizona

Residential Flood Damage Recovery

Dear Mr. James O’Toole:

I would like to take this opportunity to thank you for the excellent manner in which you took care of our flood claim on our home in Cave Creek. 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.

Because of your hard work we were able to put our life back in order after the tragic flood in our home. We know no one could have or would have handled our claim any better than you. Thank you once again for everything you did for us.

Sincerely, Brad Elrod — Cave Creek, Arizona


Residential Fire 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, and in getting the maximum policy limits on our personal contents when CNA was offering $0.00 (zero)

Your knowledge and know-how of insurance standards and practices and effecting a settlement are to be commended. 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.

We feel that the fee paid for your services you earned many times over, and actually was no cost to us considering CNA’s original offer. I am sure that if it were left to my own judgement, the settlement would not have been complete

Sincerely, Harold Carson & Lupe Carson
Phoenix, Arizona


Residential Flooding Recovery

Dear Mr. O’Toole,

This is a much overdue letter to express our sincere gratitude for all that you and your company extended to us during the period our home was flooded.

The magnanimous way that you and you son Jim Jr. took a personal interest in us, your clients, also the expertise work you performed gave my husband, Paul, and myself a new outlook on people.

Also, I wish to say that the very professional way you handled the Insurance adjuster “who tried to circumvent us” to the point of dismay is appreciated.

Thanks once again for your time, courtesy, and patience in a very depressing situation that we could never have handled alone.

Kindest regards, Lois Newman

Manager — Phoenix Dunes Reservation office
Dunes Hotel & Country Club

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! Get a FREE Consultation

Read our commercial client testimonials here