September started off with another 5 STAR Better Business Bureau Review for AJR Public Adjusters, Phoenix – Arizona

AJR is humbled when our clients choose to share their experiences with others regarding the service and success they had while working with us.

Ken K says, “…Bruce provided us with the assurance that he had control of the situation and constantly kept us informed throughout the process.” ” In the end, knowing that Bruce and Stacy were working for us was a great comfort. Their experience and expertise were evident throughout and greatly appreciated. Bruce continually advised us as to what our policy covered, and I believe we received a very fair and prompt settlement with the insurance company.”

Better Business Bureau of Arizona Reviews of AJR Public Adjusters

With your next insurance claim call AJR first.

Allow us to turn you into a satisfied client like Ken.

You can reach us at 602-795-5227.

AJR Public Adjusters Website

Another 5 STAR Better Business Bureau Review —

AJR is always proud to receive feedback from our clients.  Recently moved over the 20 A+ review mark on Arizona Better Business Bureau.

AJR Better Business Bureau A+ Reviews

 

Rachel R says “Bruce is persistent and tenacious with the insurance company but is also friendly. He was so great at updates, that my phone had automatically assigned him as a favorite. We are forever grateful for Bruce”

We look forward to assisting you with your next insurance claim here in Arizona.  Call us first 602-795-5227.

Helpful tips for staying safe during this upcoming Arizona Monsoon Season

With Monsoon Season just days away, some tips from AZ Central to stay safe during the season.

With any property damage call AJR Public Adjusters to assist with full recovery from insurance company.  Our #1 goal is to maximize your settlement while reducing your stress and handling your claim in the most professional efficient way possible.

Give us a call first for your FREE consultation.  We will advise the next steps to ensure your claim is handled properly.  There are many mis-steps that can be taken and we will help guide you to the best resolution.

AJR is your #1 Phoenix Public Adjuster via YELP, June 2019.  Look here for our A+ Better Business Bureau Ratings.

Have confidence in the company you hire to represent you with this important task, bringing your property back from damage.

We can be reached at 602-795-5337, info@betterclaimresults.com.

Another month listed as BEST Phoenix Public Adjuster on YELP

AJR takes our clients and responsibilities very seriously.  We know when your property has suffered an insurance claim, you want to know that you will be made whole. (put back to how your property looked prior to the loss).  Whether it be from fire, wind, hail, monsoon, AJR’s job is to handle your claim in the most professional manner while alleviating stress on your shoulders.  We know you have things to take care of, let us use our 30+ years experience to settle the claim in a timely manner.

It is nice to be recognized again by YELP as the #1 Public Adjuster in Phoenix.  To see more information about AJR and how our rankings are #1, look at our BBB A+ Reviews.

With your next insurance property loss give us a call FIRST.  Consultation is FREE.

AJR Public Adjusters — 602-795-5227 — www.betterclaimresults.com 

Monsoon Preparedness

Summer season is upon us here in Arizona.  Every year we need to navigate the summer monsoon storms.  Here are suggestions from the State of Arizona for  how to be prepared as best you can.  Hoping we all experience a mild season.

Please remember if your property suffers any kind of damage AJR Public Adjusters are available to assist and alleviate the stress of negotiating and settling your insurance claim.  Out priority is to maximize your settlement and ensure you are being reimbursed for all the coverages you have paid for.

Consultation is FREE.  CALL US FIRST.

You’ll be glad you contacted the #1 Public Adjuster in Arizona with over 30 years experience and A+ Better Business Bureau Reviews.

AJR Public Adjusters — office 602-795-5227    cell 480-519-9099 

 

 

Another 5 ***** Better Business Bureau Review

AJR appreciates clients who offer to share their experience with others.  To be spoken about in reference to a comment from a CEO of a billion $ business is humbling.  With AJR you do get qualified professionals who care about your claim like it is their own.  Read Peter H BBB Comments 

“With AJR and Stacy & Bruce you are getting the qualified professionals, but most importantly these are nice people who care about their clients.”

AJR is committed to providing representation which will provide peace of mind to the policyholder, knowing their claim is being handled in the most professional way possible.  It is always your claim, you have the final say, but we do handle it like it is our own, ensuring maximum recovery, while reducing your stress.

Give us a call with your next claim and let us explain how we can help get the ball rolling and moving in the right direction towards a successful recovery.

AJR Website  602-795-5227

Alien Coverage

The title of my post may seem crazy.

Aliens, why are we securing coverage for this?

Well it seems as if there is somewhere to obtain insurance.

Read here for more information.

ALIENS AND INSURANCE

Did you know — the International Academy of Astronautics (IAA) Institute has a detailed plan for how to announce an event of extraterrestrial discovery. In 1989, the IAA adopted the Declaration of Principles Concerning Activities Following the Detection of Extraterrestrial Intelligence. Revised in 2010, it is now referred to as ‘The First Protocol’.

So we pursue the question, ‘what if’ there was an alien invasion? What if aliens visit and cause bodily injury or property damage? Is insurance available to cover such liabilities?

UFO and Alien Possibilities

The search for aliens has been ongoing for decades. Because of NASA discoveries, about half of humans are convinced that alien life exists. In fact, scientists and astronomers are still theorizing and disagreeing over whether the interstellar Oumuamua was an asteroid, a comet or something else entirely.

Alien Abduction Insurance

No discussion of extraterrestrial insurance would be complete without addressing the possible risk of alien abduction. Alien Abduction Insurance (AAI), a/k/a UFO insurance, supposedly covers the insured in event he or she can provide verification of abduction by non-human life forms, or aliens.

In 1994, a company now known as UFO Abduction Insurance Company insured 35,000 Americans against being kidnapped and eaten by aliens. Today, this company sells a $10 million policy and has sold more than 100,000 policies, with at least two paid out claims.

UFO Abduction Insurance Company is not the only policy option.
Lloyds of London has sold approximately 20,000 alien policies, according to Sunlife UK.

In 2018, Insurance Business reported that Budget Insurance in the UK was promoting a new Alien Abduction Insurance policy option, offering to add their interested homeowner policyholders to a waiting list.

ISO Coverages

Let’s explore some of the coverages and exclusions under the ISO Homeowners 3 form, the Commercial Property, and General Liability coverage forms:

Homeowners

If a UFO (unidentified flying object) lands on and destroys your house, there is no exclusion for that damage. However, if the UFO lands on the ground causing holes, that damage would fall under the land exclusion. Should the UFO leave any parts to be removed, that debris removal expense is not covered, as debris removal is for covered property and UFOs are not covered property. They can be seen as aircraft and are excluded.
Should aliens come into and destroy the home, there would be coverage for that direct physical loss.

Under the HO 00 03 personal property is covered on a named perils basis, and there is no named peril for aliens eating the coffee table. Insureds concerned about alien invasions should consult their agent about an HO 00 05.
If the UFO or aliens harm non-residents, for example, neighbors taking refuge in your house, then first aid and medical payments coverage would extend to those persons, subject to the terms of Coverage F – Medical Payments to Others. If your neighbors bring personal property with them and the alien forces an insured to destroy their property, up to $1,000 is available to replace that property.

There is an exception under the expected or intended injury exclusion for “bodily injury” resulting from the use of reasonable force to protect persons or property. If an alien came onto your residence threatening damage or bodily harm, you could use force to defend yourself and the policy would defend you against claims of injury from the alien.

If an alien infects you with a communicable disease, and you then infect others, no coverage will apply for any resulting bodily injury or property damage arising out of this communicable disease.

General Liability

The ISO general liability coverage form provides third-party liability coverage for bodily injury or property damage sustained by the insured. The form includes several provisions that would apply in event of bodily injury or property damage caused by or resulting from a UFO or alien.
The exception to the expected or intended injury exclusion would apply in the protection of persons or property.
Coverage C – Medical Payments will be available for accidents from just about anything that might happen to others on your property, up to its limit of insurance. Note however that anything excluded under Coverage A is also excluded under Coverage C.

Commercial Property

Under the Causes of Loss forms (Basic, Broad and Special), coverage extends to contact with a spacecraft, which should include a UFO. If deemed vandalism, there should be coverage for any property damage perpetrated by an alien.
However, if the government has to seize or destroy your property to protect it from the aliens, there would only be coverage for damage from the government destroying property to prevent spread of a fire.

If the alien damages property and it has to be torn down and the debris removed, the Ordinance Or Law exclusion would apply.
There is an exclusion for loss or damage caused by or resulting from artificially generated electrical, magnetic or electromagnetic energy. The question is would this type of energy from an alien be natural or artificial? Aliens may discharge such energy naturally; it would need to be determined if the aliens emitted this energy randomly without intent or if they could direct the energy at will.

Business Income and Extra Expense

Business income/extra expense coverage will follow the covered causes of loss, exclusions and limitations of the applicable Cause of Loss form shown in the Declarations. With respect to the Additional Coverages, coverage will apply if the applicable Cause of Loss form that applies to the described premises covers the actual loss or damage.
If aliens set fire to the fireworks factory, then a civil authority will likely cordon off the immediate area and order the entire block be evacuated, prohibiting access to the area while they hose everything down and put out additional fires ignited by sparks. If the insured’s business is within the prohibited area, Civil Authority coverage will begin 72 hours from the time access to the described premises was first prohibited and will last for up to four weeks.

Alien as Insured

Lastly, would an alien be eligible to purchase an insurance policy? Well, that would depend if that alien were an ‘individual’. When a term is not defined, we look to its common meaning and standard definition. Wikipedia defines an individual in part as, “…that which exists as a distinct entity…” The Free Dictionary defines an individual in Part 1. as, “of or relating to an individual, especially a single human; [or] by or for one person.” Part 2 of the definition is “Existing as a distinct entity; separate”. Depending on how broadly the carrier interprets the definition of ‘individual’, an alien might conceivably be granted eligibility to purchase a commercial insurance policy.

The homeowners policy however uses the term ‘person’ in lieu of ‘individual’. As all of the common definitions for person include “human” in the definition, it is unlikely that an alien could purchase a homeowners policy.

Hopefully, we will not be forced to put these coverages to the test. May the force be with you….

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting or other professional service. If legal advice is required, the services of a competent professional person should be sought.

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