Testimonials & Personal Letters of Recommendation

As a 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.


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


Dental Practice Loss of Business Recovery

This letter of recommendation is written to document my two-decade business relationship with James O’Toole of James O’Toole and company and to wholeheartedly and unreservedly recommend his services to anyone in need of a public adjuster.

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 pleasantly 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 order of the fire marshall and I was effectively out of business for several months. Thankfully 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.

It is my advice to anyone reading this letter of recommendation that finds themselves in a predicament like mine to do yourself a favor and Hire Jim

Lucian Morse, DMD — Phoenix, 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


Sierra Vista Business Recovery

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
Fairchild Financial Services
La Mesa, California


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

Claims Industry Endorsement

Phoenix, Arizona

Having been in the Claims Industry, myself, for 30 years, I know what it takes to be a valuable and effective Public Adjuster. All the best qualities needed to accomplish this can be found in James O’Toole Co., Inc.

James O’Toole and his staff are highly professional, trustworthy, knowledgeable, and 100% dedicated to providing their clients with the best possible outcome.

Leslie Leazer

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