How to request a copy of your insurance policy

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.

(Date)

(Name of adjuster or highest ranking ins. co. employee) (Name of Insurance Co.)

(Address)

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.

Sincerely,

YOUR NAME MAILING ADDRESS

================================================================

Call AJR Public Adjusters first with your next insurance claim.

We can be reached at (602) 795-5227 or claims@betterclaimresults.com

http://www.betterclaimresults.com

January 2020 and AJR has a new 5 STAR BBB Review

AJR has jumped out of the box in 2020 with a new 5 STAR Better Business Bureau Review. We couldn’t be more proud to share with you the constructive feedback Monica has shared with the BBB.

“But, after interviewing several companies, we decided to hire Bruce and Stacy at AJR Public Adjusters to help settle our fire/property claim with the insurance company. It was the best decision we could have made!”

Read the rest here

Remember, with your next property insurance claim, call AJR first to let us appropriately guide your loss to secure a maximum settlement.

AJR Public Adjusters.              

 info@ajrpa.com.                            

602-795-5227

 

Coronavirus Availability

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.

AJR is available at 602-795-5227 or claims@betterclaimresults.com.

Bruce Horowitz 480-519-9099                   Stacy Horowitz 480-519-9199

Microwaving Face Masks — FIRE HAZARD

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.

 

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

Video Teleconferencing now available due to Covid – 19

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.

AJR Public Adjusters, 602-795-5227, AJR WebSite

 

Lower percentage is not always better

Many times prospective clients question our commission charge.

Insureds wonder if they can lower the percentage will they make out better.  We wanted to demonstrate that this may not always be the case.

As they say, you get what you pay for.

See example of a typical claim below and notice the difference to the policyholder when paying a higher percentage fee:

 

Company A                     

Initial Claim Offering                     $50,000

Final Claim Result.                          $60,000

8% fee to Public Adjuster:             $  4,800

Claim Settlement to Insured:    $55,200

 

AJR PUBLIC ADJUSTERS

Initial Claim Offering:                    $50,000

Final Claim:                                      $75,000

15% Fee:                                            $11,250

Claim Settlement to Insured:    $63,750

 

Clearly you can see how AJR Public Adjusters assistance, perhaps at a higher fee still nets the insured a better settlement.  This policyholder increased their settlement by $8,550 even when paying a higher percentage for our services.

By giving AJR the opportunity to utilize our 30+ years experience to manage and negotiate your claim, you can rest assured you will do better in the settlement process of your claim.

Please view our Better Business Bureau A+ rating here.  This may provide helpful information for you to see how AJR should be your first call with your next property insurance claim.

Call AJR first, we even help report the claim and can take over the stress of managing your claim from there.  We can be reached at 602-795-5227, email here.

Another 5 STAR Better Business Bureau Review

AJR is honored to receive another 5 STAR Better Business Bureau Review. We feel fortunate when clients can locate us and put us to work as their advocate. 

As LG says,On my own, I was offered $2,000 to complete the repairs (which was honestly insulting and almost bordered on criminal) but when AJR stepped in, they were able to increase the final settlement amount of my claim from $2,000 to $162,000. Yes, you read that, right!”

Better Business Bureau Review

To secure an 8,000% increase doesn’t happen every day, but we work our hardest to ensure we represent our clients with the utmost professionalism and tenacity.

With your next insurance claim call AJR first.  Let us review your situation and let you know how we might help.

 

AJR Public Adjusters — 602-795-5227 

info@betterclaimresults.comAJR LOGO