Category: Adjuster Information

Help, I locked my keys in my car !!

Have you ever stepped out of your car, hit the lock button, shut the door and realized the keys are inside? 

Many times this has happened and drivers are not aware of the fact that their car insurance may pay for the locksmith to come out to open the door for you.

Information via Summit Business Systems

Towing & Labor Costs

April 25, 2016

Our insured locked his keys in his car and had to have a locksmith open his door. Would the cost of the locksmith be covered under the towing and labor cost portion under the personal auto policy?

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Under the terms of the endorsement, the towing and labor costs are covered for attending to the disablement of the covered auto, and the labor costs are paid if the labor is performed at the place of disablement. If the car is disabled and it is fixed at that spot, the coverage is there. In this instance, the car was disabled and was fixed at that spot so the coverage exists.

Though AJR only handles property insurance claims, we wanted to share this information with you, as we know many of us have found ourselves in this situation.

With your next property insurance claim from fire,wind,water,theft,hail,monsoon, etc.  call AJR first.  We will help you report your claim and ensure you will receive all monies owed to you, while maximizing settlement $$.

AJR Public Adjusters 602-795-5227

Better Claim Results — AJR Public Adjusters

ANOTHER 5 STAR REVIEW via Facebook

5 Star Review via Facebook

Another satisfied AJR client publishing their experience regarding top notch service they received from AJR.  Next time you find yourself with an insurance claim, contact Arizona’s best Public Adjuster immediately.  We will help you report your claim and ensure you are taking advantage of all coverages you have paid for, while maximizing your return.

AJR Public Adjusters — 602-795-5227

Why you should always sleep with your door CLOSED

When we were little it was kind of scary to shut that door and have our parents on the other side.  Knowing they wanted us to sleep but at times so hard to relax and let the dreams come.  These days kids like the door shut so they can play on their phones and iPads etc, without mom and dad watching over you.

Well recently we at AJR have been exposed to an article from the Huber Heights Fire Department in Ohio who states that it increases your chances significantly of escaping a fire without injuries if your door is closed.  huber heights fire

Tonight keep this in mind as you lay your head down to sleep.

STAY SAFE !!

 

AJR Public Adjusters – 602-795-5227

www.betterclaimresults.com

 

Another 5 STAR Review via YELP for AJR PUBLIC ADJUSTERS

Read what our clients are saying on YELP.

The next time you find yourself with an insurance claim, Call AJR first.  We will help you report your claim.  Our involvement ensures you will receive all that you are entitled to in your policy while we maximize your claim $.

Why settle for anything but THE BEST?

Call Arizona’s Best Public Insurance Adjuster with your next claim.  602-795-5227

Another 5 STAR review for AJR

5 STAR review via Facebook

ANOTHER ONE FOR THE BOOKS

Once again AJR has assisted and helped a policyholder with an insurance claim to maximize their recovery.  There is no greater compliment than having clients wanting to let others know about their great experience.  We thank you.  Happy Holidays.

Is Wind Driven Rain Covered Under My Homeowners Policy?

As Monsoon season has passed here in Arizona, we at times still are experiencing rains of significant proportions.  Clients have recently asked us about damage that has occurred over the years due to Monsoon Seasons.

A HO policy 00 03 05 11 with and endorsement of HO 32 32 06 12, states that  constant repeated discharge, seepage, or leakage of water excluded.  This coverage pertains to repeated wind-driven rain that causes hidden damage, mainly rot, and water damage to insulation that cannot be seen.

There is an exception for mold that is hidden behind walls that applies to water caused by heating, plumbing, air conditioning system, sprinkler system, or household appliance, or storm drain or water steam/sewer pipes off premises.  The endorsement excludes water caused by repeated seepage or leakage.  Wind driven rain is not repeated leakage or seepage, it is forced by the wind.   Wind-driven rain is excluded under the water exclusion.  Therefore this is not a covered loss.

via Summit Business Systems.

ATTENTION ARIZONA !!! Why do I need AJR?

ATTENTION ARIZONA —    

Did you know you don’t have to take your insurance company adjuster’s word as gospel for your property loss claim?

AJR Public Adjusters gets you the maximum settlement on any business or home property loss claim.

If you have a claim contact AJR today at www.betterclaimresults.com

Thats better claim results.com

AJR Public Adjusters — 602-795-5227  

Is Honey from bees in the walls covered?

This may seem like a strange question. It was to us as we have never heard of this problem before.

A client called us with a dilemma.  About four weeks ago they had a service come and remove a beehive.  The removal company mentioned they should be on the lookout for honey, perhaps that was why the hive was formed.

Our client then noticed about four weeks later, there are stains in his walls and is worried there is honey stored in between his kitchen and garage.  He is wondering is this a covered loss under his homeowners policy as it is doing damage to his property?

We took this information to our sources to see if the client is covered and discovered that NO a loss due to this problem is not covered.

Specifically, Insurance Services Office (ISO) Homeowners Policy (HO) excludes birds, rodents or insects and nesting or infestation, or discharge or release of waste products or secretions by animals.

While the ensuing losses not otherwise excluded are covered, since bees live in the hives the leakage of honey is not ensuing, it is a direct loss.  THERE IS NO COVERAGE.

Monsoon Season is OVER…Tips for filing claims

Now that the calendar reads October 1, 2015, Monsoon season is technically in the books for the 2015 year.
If you find yourself in a situation with damages from the storms, there are some things you can/should do immediately.

When damage occurs originally you should have contacted a licensed Public Insurance Adjuster.  The adjusters job is to represent your interests alone, not the insurance company.  The public adjuster will help you garner estimates for the property reconstruction and assist in negotiations with the insurance company.  The insurance company is not on your side and is out to protect their bottom dollar.  You need professional, experienced representation to ensure you are receiving maximum coverage for all clauses you have been paying over the years.

One of the biggest comments we hear constantly is, “They have been my insurance company forever.  I pay my premiums on time, all the time.”  Unfortunately when claims occur, your loyalty over the years does not come into consideration, when the insurance company needs to pay out for your claim.

When looking for a Public Adjuster, confirm you are speaking with experienced, licensed professionals.  The more experience the adjuster has, as with anything, the more prepared they are to negotiate on your behalf and secure an extraordinary settlement.

Here is a link to a segment produced by CBS 5 in Phoenix talking about recovery from insurance companies.  AJR’s own Bruce Horowitz is quoted, how to approach monsoon claims and protect your rights.

 

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

More FAQ for hiring a Public Adjuster for your next property loss.

Your property/community/business has suffered property damage (fire, hail, wind, flood, water), NOW WHAT?

Your first inclination might be to contact your insurance carrier, but this may not be in your best interests. With all your personal and work commitments it may not be feasible for you to monitor and ensure your claim is being handled properly. Why not level the playing field with the insurance company?

WHY HIRE A PUBLIC ADJUSTER?

 Your insurance company has professional adjusters to represent their interests. As a policyholder you are entitled to hire a professionally state licensed adjuster to represent your interests. The public adjuster has experience and knowledge to assist in preparing, documenting and negotiating claims. Adjusters have reviewed several policies prior to yours and know where to look in the policy to make sure your claim is filed for all the coverage’s you have paid for. Often times finding money that otherwise would have been overlooked.

The adjuster you hire should be experienced, licensed with the state and working for a reputable company who has a clean record with the insurance department. All adjusters need to be licensed and their company also needs to hold a license with the Arizona Department of Insurance.

FEE FOR PUBLIC ADJUSTER

The Public Adjuster is paid a contingency fee of the total monies received from the insurance company. The fee can range from 5% – 20% depending on the size of the claim, and is due at the time money is released from insurance company.

DUTIES OF PUBLIC ADJUSTER

 To act as your representative in negotiating and dealing with the insurance company adjuster. Relieve your stress by engaging in discussions and negotiations with the insurance company on your behalf to maximize your recovery. The public adjuster brings in their experts/contractors to estimate and measure the damage independent of the insurance companies estimate. This estimate then provides the framework for the negotiating the adjuster will do with the insurance company.

SOME GOOD QUESTIONS TO ASK PRIOR TO SIGNING CONTRACT:

  •  How many years have you been a licensed Public Insurance Adjuster?
  •  May I have references or see testimonials from previous clients?
  •  Will you personally handle my claim for me?
  •  Will you keep me in the loop and inform me of all outstanding issues   with my claim?

WHEN TO ENGAGE A PUBLIC ADJUSTER:

Ideally the public adjuster should be involved in the claim from the beginning including helping you report the claim.  This is not to say you should feel rushed or pressured after a claim occurs to immediately hire the first person that approaches you. Investigate the company and the individual who will be acting as your representative.

SOME THINGS TO LOOK OUT FOR:

 In the State of Arizona contractors are not authorized to represent you in insurance claim negotiations, nor are they professionally licensed or regulated by the state insurance/department agency to do so.

Relying on your insurance company to fairly calculate the amount of damage and what you are owed might not result in a full or fair settlement. The company adjuster who is sent out is measuring the loss for the insurance company not for you.   As the policyholder you are entitled to have the claim loss accurately measured and then be reimbursement for all that you have lost.

BENEFITS OF HIRING A GOOD PUBLIC ADJUSTER: 

  •  An experienced and skilled licensed professional to work on your team.
  •  Someone who understands intricacies of policy and assists in recovering all that you are entitled to
  • Strong advocate on your side to help provide more input and negotiating leverage for the final insurance settlement, more than you may have had on your own.

 

 

AJR Public Adjusters.

With close to 30 years licensed experience in the Public Adjusting field handling claims of all dollar amounts for losses due to fire, flood, water, hail, dust, theft, etc.

www.betterclaimsresults.com