After a claim occurs, one of the first questions we ask policyholders is, “Do you have a full copy of your insurance policy?”
The reason for this question is this is “the Bible,” letting us know as your potential representative, what coverages you have in your policy that will enable us to assist you with your claim.
There are clauses and information that mean something to AJR, with our 32 + year experience. Knowing where to look in the policy for additional coverages is the benefit of hiring an experienced public adjuster to represent you with your insurance claim.
This policy was probably given to you when you first signed up with the insurance company. Over the years, the insurance company may have only sent renewal letters and not the complete policy again.
A sample letter adapted from a United Policyholders template shows how to request your insurance carrier this policy that is needed to negotiate your claim for you.
Sample Letter Requesting Complete Copy of Homeowners Policy
NOTE: This letter is a sample that must be customized to fit the facts of your individual situation and claim. All bracketed and underlined portions must be completed or revised before sending. Use this letter to request a complete copy of your homeowners’ policy from your insurance company.
(Name of adjuster or highest ranking ins. co. employee) (Name of Insurance Co.)
Re: Claim Number _____________
Date of Loss: __________________
Name of Insured: _______________________ Address of Insured Property: _____________
Dear [INSURANCE COMPANY],
Please send me a complete and certified copy of my homeowner’s insurance policy, including all declarations, endorsements, riders, and any changes to the insurance policy that would affect coverage at the time of the above-noted loss. Please send it to the mailing address listed below within fifteen (15) calendar days of this letter’s date.
Thank you in advance for your prompt handling of my request. I look forward to receiving the above-requested documents and working with [INSURANCE COMPANY] to complete the claim process.
AJR Public Adjusters LLC iscommitted to ethical business practices
This week, AJR Public Adjusters LLCannounced its recent re-accreditation by Better Business Bureau Serving the Pacific Southwest (BBB). As a BBB Accredited Business, AJR Public Adjusters LLC is dedicated to promoting trust in the marketplace and upholding high standards for honest business behavior.
Now more than ever, customers want to trust companies they do business with, and BBB is committed to building that trust. BBB Accreditation is an honor, and not every business qualifies. The dedicationAJR Public Adjusters LLChas displayed to earn this accreditation shows the high level of commitment they have for not only their customers, but for the community in which they operate.
“We are pleased to join a community of businesses committed to doing things the right way,” said Stacy Horowitz. “We value building trust with our customers, and our BBB Accreditation is a public display of our commitment to excellence and maintaining high ethical standards.”
BBB Accredited Businesses adhere to BBB’s Standards for Trust, a comprehensive set of policies, procedures and best practices representing trustworthiness in the marketplace. The standards call for building trust, embodying integrity, advertising honestly, telling the truth, being transparent, honoring promises, being responsive and safeguarding privacy.
Bruce and Stacy relocated to Phoenix, AZ from Charleston, SC in 2013 to establish AJR Public Adjusters, LLC After a successful nine years in the Low Country of South Carolina, a decision was made to venture out west and re-establish the company with a new name that more closely describes the services provided.
Bruce has more than a quarter of a century of experience and is highly qualified to lead his clients through the maze of confusion in the insurance industry.
Bruce was born into a family of public adjusters and joined the family business full time right after college. Bruce was a principal at this firm which is one of the largest and oldest “90 years” public adjusting firms in the tristate area that employs over 30 public adjusters. Bruce’s knowledge and experience are unmatched in the Valley.
After working 17 years in the family business, Bruce wanted to be able to provide personal, attentive service to the clients he was servicing. Bruce and Stacy relocated to Charleston, SC, from Philadelphia, PA in 2005 and established AJR Insurance Consultants, LLC.
Prior to establishing AJR, Stacy had a successful career in sales for Aetna/US Healthcare in the Philadelphia region, The Embassy Row Hotel in Washington DC, Western Union in the Northern New Jersey Region and PTS Learning Systems; computer training materials in Philadelphia. Her experience exposed her to the insurance, hotel, management, healthcare, telecommunications and information technology industries. It is with this broad experience in the business world that Stacy oversees the marketing and administrative duties at AJR.
Bruce is certified and licensed in Arizona and is a member of the National Association of Public Insurance Adjusters (NAPIA) and adheres to a strict code of ethics. Bruce keeps up on current insurance regulations by constantly completing insurance education courses.
AJR works on behalf of homeowners and business owners to ensure that once damage has occurred, the property owner takes full advantage of all aspects of his/her insurance policy. Contact our public insurance adjusters in Phoenix, Arizona, to make sure no detail is missed when filing your claim.
About the Better Business Bureau Serving the Pacific Southwest.
For more than 100 years, the Better Business Bureau has been helping people find businesses, brands and charities they can trust. In 2020, people turned to BBB more than 220 million times for BBB Business Profiles on 6.2 million businesses and Charity Reports on 11,000 charities, all available for free at BBB.org. The International Association of Better Business Bureaus is the umbrella organization for the local, independent BBBs in the United States, Canada and Mexico. Incorporated locally in 1938, BBB Serving the Pacific Southwest serves Greater Arizona and Southern California, providing critical tools to ignite success including mentorship, online products and access to capital. Our objective expertise educates the community on ethical behavior in the marketplace and how businesses can build trust.
Our lives have and are changing due to Coronavirus. AJR wants to let you know our availability to handle your insurance claims has not changed.
We have added video teleconferencing to speak with you about current claims and emergencies that may arise for consultation and assistance with property losses. As always, you can call, text, or email us.
We are constantly researching and staying on top of current information related to the potential for virus-associated claims.
Stay safe, follow state directions, and stay well.
In this new Coronavirus existence, everyone is scrambling to protect themselves in any way possible. Without accurate information, people may be making a severe error trying to “clean” their face masks. Some posts have gone viral recommending microwaving cloth face coverings in plastic bags for “2 to 3 minutes” for a good cleaning.
Here is a Reuters article declaring a True Claim, which states face masks do catch fire if we microwave them.
The CDC does recommend using cloth face coverings to help slow the spread of Coronavirus. Recommendations for the proper use and care from the CDC are here.
AJR takes our responsibility seriously and felt it was essential to highlight additional fire dangers we recently learned. We hope everyone stays safe and out of danger. Please heed suggestions from the experts in all areas, especially no microwaving face coverings.
Should the need arise, AJR does have the ability to teleconference using the zoom technology.
We live in a new normal, AJR takes our responsibility to the community, our clients, the insurance company, and the general public very seriously. Insurance losses do not stop because of a virus. Insureds may be nervous to allow outside individuals into their homes. We at AJR are evaluating how to continue providing top-notch service in this new world.
AJR is now offering videoconferencing consultations and realize it will allow us to continue providing services to our clients as the claim progresses. As always, documents can be sid right from your phones or computer without ever leaving your house. Our consultation services still are FREE.
Our concern is while losses continue, insureds may be worried about letting individuals into their homes. They may believe I can do this alone. As the claim progresses, they might realize they are in over their head. As always, even in this new normal, it is still better to hire a public adjuster at the beginning of the process to ensure we miss no item and for maximization of your claim
AJR is still in the claim process with you from beginning to end. It may be a new way to do business, but will not affect the quality of service AJR continues to provide our clients.