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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Another 5 ***** Better Business Bureau of Arizona Review

AJR appreciates feedback from our clients.  A 5 STAR review is a plus.  See attached from recent client Ben.

With your next insurance claim, call AJR first to let us review your situation.  Nothing would make us happier than stepping in to assist and turning out another happy client.

We can be reached at 602-795-5227, info@betterclaimresults.com

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Honored to be recognized once again by YELP as Best Public Adjuster, Phoenix, Arizona January 2019

AJR does not take this position lightly.  We strive to handle our claims in a professional manner, while providing excellent customer service to our clients.  It is a strong testament to our services when our clients choose to share their experiences, here.

With all the turmoil in business today, with companies folding, you may wonder what position do I have if my insurance carrier goes under and files for bankruptcy. What happens when an insurer fails is a good article from National Underwriter explaining the rights you have as a policyholder.  All is not lost.

Anytime you need a consultation regarding an insurance claim call AJR first.  By calling first you put yourself in the best situation to recover all that you are entitled to for your loss.

AJR can be reached at 602-795-5227 or Send AJR an email message

 

Best practices to maximize an insurance loss to real property

With the new year upon us, we thought it might be helpful to remind you how to maximize your insurance loss by hiring a local public adjuster.  Follow steps below to secure a licensed reputable firm to ensure professional representation for your next insurance loss.

 

Best Practices Hiring a Public Adjuster

 

AJR Public Adjusters Website

602-795-5227

Is water covered for pool claim?

When needing to refill a pool after an in ground pool suffers damage to the cover, you may wonder if the water needed to refill the pool after repairs is covered.

Look here at Water as an Insured Object to see an article from National Underwriters which states that the pool water removal from the pool for the repair is covered as that is part of the repair.  To refill the pool once repairs are completed is NOT covered since that is providing coverage for water and this is not directly a part of the repair.  The water itself is excluded.

 

AJR Public Adjusters

602-795-5227