RCO Public Adjusters · Carefree, Arizona
When the Stakes Are High, Expertise Matters.
Independent property insurance claim representation and technical expertise for residential and commercial losses.
Empower. Advocate. Recover.
Your Advocate in the Insurance Claims Process
The carrier has experts. So should you.
Every property insurance claim involves an evaluation of damages, coverage, and the cost of repairs. Insurance companies have adjusters, engineers, and consultants working to evaluate the claim and determine what the policy requires. RCO brings independent expertise to the other side of that process, representing your interests and working to ensure your damages are properly documented, evaluated, and addressed.
We evaluate the damage firsthand, document the full extent of the loss, and build the technical file that complicated claims require — then we present, defend, and negotiate it with the carrier until the claim is resolved. You stay informed at every step; the decisions stay yours.
From a hail-struck roof to a fire that stopped a business, our work is the same: make the claim prove itself.
Specialized Services
Representation built on technical command of the loss.
Five disciplines, one standard: your property documented and argued with the rigor it deserves.
Technical Expertise
Expertise that goes beyond the surface.
Our team brings a multidisciplinary command of chemistry, biology, construction, and restoration to every file — reading roofing systems, hail fracture patterns, moisture migration, and fire behavior the way carriers hope no one will.
- Commercial & residential roofing systems
- Hail & wind damage
- Fire & smoke losses
- Water damage & moisture migration
- Building materials & restoration methods
- Complex mitigation & repair estimates
- Construction scope disputes
Protection Beyond the Claim
The best claim is the one you are prepared for.
RCO's proactive divisions help property owners before a loss occurs: property risk assessments, building documentation, and insurance readiness reviews — plus a subscription-based Property Protection Program that keeps your coverage and documentation current year after year.
Commercial & Large Loss
Complex properties demand specialized expertise.
Commercial buildings, HOAs, churches, industrial facilities, and multi-building portfolios carry larger numbers, denser policy language, and more carrier scrutiny. We bring the command of commercial roofing systems, restoration scopes, and large-loss documentation these files require.
Commercial Claim Expertise
Denied & Underpaid Claims
A denial is not the end of your claim.
Carriers deny and underpay valid claims every day — on coverage interpretations, on scope, on price. We re-examine the loss, the policy language, and the carrier's reasoning, then build the documented case for what your policy actually owes.
Understand Your OptionsClient Reviews
Trusted by property owners when it matters most.
“After 2 years of negotiating with the insurance company back & forth, I decided to hire Jason & his team. Jason was amazing and I’m very happy with the results!”
Monica Jacobs
Google Review“Jason and his team are amazing! We had a complicated fire claim that was not addressed property by the insurance company until we brought Jason in.”
Jake Garcia
Google Review · Excerpt“Jason and his team are knowledgeable of the process and the people involved throughout the system from the insurance company personnel to the mediator / umpires for mitigations.”
Rich Zych
Google ReviewThe RCO Claims Process
A disciplined path from loss to resolution.
01
Claim Review
We examine your policy, the carrier's position, and the loss itself to establish where your claim stands — and where it should be.
02
Inspection & Documentation
A detailed on-site inspection captures the full extent of damage, supported by photographs, measurements, and building-science analysis.
03
Scope & Evaluation
We prepare a complete, defensible estimate of repair — line by line, priced to restore your property to its pre-loss condition.
04
Negotiation & Resolution
We present, defend, and negotiate your claim with the carrier, keeping you informed at every step until the claim is resolved.
Start the Conversation
Your claim deserves more than a surface-level review.
Tell us what happened and where your claim stands. We will review the loss, the policy, and the carrier's position — and give you a candid assessment of your options.