Author: AJR Public Adjusters

About AJR Public Adjusters – Trusted Experts with Over 37 Years of Experience With over 37 years of industry experience, AJR Public Adjusters has earned a reputation as a trusted leader in Arizona for advocating on behalf of property and business owners. We specialize in securing the maximum possible recovery for a wide range of insurance claims, including fire, water damage, theft, hail, and many other situations that can disrupt your life or business. At AJR, we don’t just handle claims; we fight for you. Our team works tirelessly to navigate the complexities of the insurance process, ensuring that you receive the full compensation you’re entitled to. Whether you’re dealing with residential or commercial property damage, we are here to protect your interests every step of the way. We offer a no-fee initial consultation because we believe that every client deserves expert advice without any obligation. Let us help you get the most from your insurance claim. Contact us today and start maximizing your recovery!

Pool Cover Insurance Coverage via Summit Business Systems

Sometimes you may wonder how your pool is handled in your insurance coverage. Here is a question regarding a pool cover coverage for a homeowner. As demonstrated below pool cover is not a structure and is considered for replacement cost coverage, which can be important.

Question:

We write a standard HO-3 on a client with a swimming pool. His policy also includes replacement cost coverage for personal property. Recently the pool and the pool cover suffered damage in a windstorm. We understand that the pool is not subject to replacement cost adjustment, because it is a “structure that is not a building.” However, we believe that the pool cover should be covered for replacement cost under the terms of the personal property replacement cost endorsement.

The adjuster maintains that the pool cover is part of the pool and, therefore, not eligible for replacement cost coverage. We disagree and would like your opinion.

North Dakota Subscriber

Answer:

There are two ways to look at the pool cover. One is as personal property, and the other is as outdoor equipment. In either case, by purchasing the HO 04 90 10 00 the insured got replacement cost coverage on both personal property and outdoor equipment. Granted, the swimming pool itself is not subject to replacement cost in case of a loss, because it is a structure that is not a building. However, the pool cover is not a structure. It can be picked up and moved. Since it qualifies as personal property or as outdoor equipment, the loss should be paid on a replacement cost basis.

Fire Prevention // Dryer Safety

We do laundry all the time. Did you know one of the most important things you can do to prevent fires is maintenance of your dryer. Many simple steps can be taken to prevent fires from your clothes dryer.

Take a look here:

Clothes Dryer Safety Tips

Should you ever find yourself in a situation with a damaged property due to fire from any source, call AJR Public Adjusters to represent your interests with the insurance company. AJR knows policies inside and out and is able to maximize your recovery from the insurance carrier. Call us at 602-795-5227

http://www.betterclaimresults.com

Carbon Monoxide Safety Tips

Carbon Monoxide is a silent killer. Keep these tips in mind and take suggestions to prevent injury from this poisonous gas.

Take precautions when cooking and using stove, dryer heater in your property.

Carbon Monoxide Safety

High Rise Apartment & Condominium Safety

Did you ever wonder how you would get out of your building should a fire occur? It’s something we should all think about before we hear an announcement on a loud speaker to evacuate a building.

Here are some good tips from the National Fire Protection Association

High Rise Apartment & Condominium Safety

Hotel & Motel Safety FIRE Emergency Tips

As the summer approaches and we get ready to take vacations and travel, here are some good tips keep in mind the next time you check into a hotel.

Hotel & Motel Safety

If you ever find yourself in a fire situation while staying at a hotel, keep these tips in mind and always be prepared.

As you check in, take time to investigate best route to evacuate your room should the need arise.

Stay safe..

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

Cooking Safety Tips to Prevent Next Fire

Please see the attached file with some good cooking safety tips. Always keep this information in mind. If you experience a fire, immediately contact AJR Public Adjusters to represent your interests with the insurance company to ensure you receive the maximum recovery for your claim.

602-795-5227.

http://www.betterclaimresults.com

Cooking Safety to Prevent Fires

AJR Public Adjuster Testimonials

Take a look and see what a small sample of what our clients are saying about our services.

I experienced a water line break in my home which resulted in a significant amount of damage. I proceeded to handle the claim on my own, which was extremely difficult. It was a constant battle and I eventually lost all trust and confidence with my insurance company’s adjuster. After bringing my frustrations up to a relative who is in the insurance business, he recommended that I enlist the services of an insurance adjuster to work on my behalf. I immediately began my research and AJR Public Adjusters, Inc. surfaced to the top. The passion, encouragement and professionalism that was displayed was exactly what I was looking for, Mr. Horowitz accomplished what I was trying to accomplish over several months in just a few telephone conversations. I highly recommend AJR Public Adjusters, Inc. to anyone who is dealing with an insurance company.

JOSEPH LOREDO, GOODYEAR, ARIZONA

To see more click here:

Testimonials about AJR Public Adjusters, Phoenix, Arizona

Homeowner Disaster Preparedness Binder by The Red Guide to Recovery

As part of any disaster preparedness kit, you will need a 3-ring binder with index tabs to hold important information. Creating a binder as a single source for locating important information when you need it will be invaluable during the recovery process. This binder should include the following:

Preparedness items to gather before a disaster:

Copy of insurance policies
Personal property inventory
List of home features & fixtures
Home floor plan
Important contacts-Emergency contact list Photos
Copies of receipts

Recovery items to collect after a disaster:

Correspondence from insurance adjusters Estimates
Contracts and change orders
Building permits

Contractor correspondence Construction details Business cards

Hint: Consider creating one binder for insurance related matters, and another binder for construction when rebuilding your home.

Why you need a Public Adjuster in 30 seconds.

Why you need to contact AJR Public Adjusters immediately when your next insurance claim occurs.

Pause before you make your next property insurance claim.

COPY

AJ (space) R, Your Public Adjusters. When saying the name AJ (space) R, we like to insert that pause as a reminder for you to pause before making your next insurance claim on your home, business or real estate investment. Most policyholders don’t know they can hire their own independent adjuster. YES, it’s true, you can hire your own insurance adjuster. Think about it your insurance company adjuster works for the insurance company, but AJ (space) R works for you. Go to BetterClaimResults.com thats BetterClaimResults.com , AJ (space) R

602-795-5227

Leaky Roof Coverage, Tenant or Landlord? via Summit Business

April 6, 2015

QUESTION?

No Coverage for Leaky Roof

The tenant, who was insured under a 1989 Businessowners policy, suffered damage to business personal property due to a roof leak from wear, tear, and deterioration. The form states that we do not owe for this loss and would owe only for the ensuing damage if is a specified peril, but water from a roof leak is not a specified peril.

This means our insured, through no fault of his own, is penalized from coverage under his own policy. He can certainly file a liability claim against the landlord’s policy, but that can cause animosity.

Just wondered if you saw any other way to help our customer, other than pick a landlord who is accountable and maintains his building.

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ANSWER

There is nothing on the policy that would help the insured. The lease should indicate who is responsible for maintaining the roof, but whether it is the landlord or the tenant, there is no way to insure against wear and tear or poor maintenance. If the landlord is responsible, it becomes a liability claim or legal issue.

This reprint of 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.