Adjuster Information – Page 14 – AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona

LOOK ==Answer some questions for a chance to WIN.

Prior to meeting//learning about us, we are hearing many people did not know our industry existed.

We are reaching out today to see if you have had an insurance claim that was filed before you knew about Public Adjusting and AJR.

We are wondering if you had a claim if you would take a few moments to answer the questions below? We may utilize them on our blog to help spread the word even more about Public Adjusting.

If you take the time to answer we will enter your name in a drawing for an iTunes gift card. We will do the drawing on June 1^st. We will announce the winner on our Linked In, Twitter and Facebook Page and blog page. ( We will send a confirmation email to indicate you have entered drawing)

You can like and follow those here:

We appreciate any likes and follows even if you did not have a claim story to share.

Facebook ———– https://www.facebook.com/ajradjusteraz

Twitter ————- https://twitter.com/AJRPublicAdj

WordPress Blog — https://ajrpublicadj.wordpress.com

Linked In———— http://linkd.in/1BWoiiO

You can just email the responses back to info@betterclaimresults.com

Thank you in advance for your time, support and consideration.

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Name:

What was the type of claim that occurred on your property?

What type of experience did you have with the insurance adjuster?

What/ if any problems arose with the insurance company?

What kind of time frame did it take to settle your claim?

Were you satisfied with the settlement?

Did you feel like you were on equal ground with them, as far as knowledge and coverage’s you were entitled to?

Did your claim take time away from work, personal time?

Had you known prior to your claim about a professional adjuster who works for you, do you think you would you have hired one to assist with the claim?

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

Why you should have a Public Adjuster on YOUR side with your next insurance claim

Most people who have a claim have no idea how to prepare and adjust it. They more or less rely on their “insurance adjuster” to do that for them. BIG MISTAKE! What you must understand is, it is the “insurance adjusters” job to make company first-rate settlements with policyholders, most of whom lack the fundamental information and adjusting skills to be on a level playing field with the adjuster.

Knowledge is leverage. The more you know, the more power you have, and insurance adjusters are well trained to cut corners and save their company money and, more and more, look for ways to avoid paying claims. You need someone as well trained in your corner looking out for your interests. The objective in adjusting should be to get as good a result as possible, as quickly as possible, as trouble free as possible. Most policyholders will continue their fate of dealing ineffectively due to the fact that they lack ability, information, and understanding.

To adjust is to negotiate. An adjuster is a negotiator. Usually, only the person representing the insurance company is considered the adjuster, and the policyholder receives his/her adjustment, as previously stated, from a company inspired adjuster. In order to arrive at an adjusted settlement, each side has its own needs to satisfy. The less you know, the more likely you are to be forced to meet the needs of the insurance company.

You must know your needs! You must know your rights!

A Public Adjuster can help you with both of these. If you don’t know what to expect and how to get it, you may become overwhelmed and give in too easily.

No one knows the outcome of an adjustment beforehand. Therefore, it is impossible to anticipate to what extent either party will give in to the needs of the other. Bargaining power becomes the main ingredient in adjusting. It usually comes about naturally as facts come to the surface. Adjusting is a matter of give and take, and unless you are dealing from a position of strength and knowledge like a Public Adjuster can offer, you may be forced to give too much.

Insurance adjusters facing a knowledgeable public adjuster usually enter on a more cooperative basis, and there is a strong likelihood that each will strive for common goals.

Usually a policyholder has to deal with a claim at a time following a disaster. Disasters including fire, haboob, wind, water, theft, etc. Psychologically, most people are not up to the task under these circumstances. It is very common to see people in a state of shock, confusion and helplessness. A professional public adjuster will be emotionally level and competent.

The time of a personal disaster is not the time to be thinking about all of this for the first time. Think about it now and take comfort in the knowledge that AJR can be there to protect your interest if indeed the unthinkable happens to you.

AJR PUBLIC ADJUSTERS –BRUCE/STACY HOROWITZ—602-795-5227

WWW.BETTERCLAIMRESULTS.COM

If only I knew about AJR Public Adjusters for my last insurance claim

As we go about our business day at AJR, many times we meet people who have never heard of a public adjuster, or what we do. Often times we hear, “if I only knew about your industry/services prior to my last claim”. We reached out to some of these people to get their viewpoint on their settlement process. (THE COMMENTS IN BLUE IS INFORMATIVE INFORMATION FROM AJR ABOUT THE CLAIMS PROCESS)

Comments below are from Rick Kidder, Scottsdale Chamber of Commerce, CEO

WHAT WAS THE TYPE OF CLAIM THAT OCCURRED ON YOUR PROPERTY?

Hail damage, significant damage to roof, A/C and other property

Claims on property can range from fire, wind, water, hail, theft, monsoon, etc

WHAT TYPE OF EXPERIENCE DID YOU HAVE WITH THE INSURANCE ADJUSTER?

Friendly, courteous, relatively thorough BUT did not test A/C unit

Generally interactions are friendly and courteous, but as in this case all coverages were not explained or handled for the policyholder

WHAT/ IF ANY PROBLEM AROSE WITH THE INSURANCE COMPANY?

A/C unit outside fan and compressor had to be replaced, but knowledge of that fact came well after the insurance claim was settled

Here is a situation where the insurance company was not forthright with the policyholder, explaining coverages they were entitled to and policyholder settled claim without all the information pertinent to their situation.

WHAT KIND OF TIME FRAME DID IT TAKE TO SETTLE YOUR CLAIM?

Check on the spot

Anytime a check is given on the spot, that is not to the policyholder’s advantage. How does the insurance company even know all ramifications of the loss in a quick look at the damage?

WERE YOU SATISFIED WITH THE SETTLEMENT?

Yes, except, had I known of hail damage to A/C unit, I would have been able to replace the unit and not just patch it up.

Policyholder did not know about all clauses and features of their policy that they could take advantage of or taken proactive step and have the A/C unit tested. This is where AJR is able to give the policyholder an edge, since we know of all things to do from the start, we can help put your claim in the best position to maximize recovery from insurance company and not miss any claimable issues.

DID YOU FEEL LIKE YOU WERE ON EQUAL GROUND WITH THE INSURANCE COMPANY, AS FAR AS KNOWLEDGE AND COVERAGE’S YOU WERE ENTITLED TO?

This is where AJR can assist, with over 28+ years experience, our knowledge and customer service are unsurpassed in the industry. We have read policies cover to cover for many years and know where to look to ensure policyholder is receiving all that they are entitled to. Our job maximizing recovery for policyholder is demonstrated over and over.

Look at what some of our previous clients have said.

DID YOUR CLAIM TAKE AWAY FROM PERSONAL TIME?

Often on larger losses personal and work time are affected in dealing with the insurance company. AJR takes on this burden for you.

HAD YOU KNOWN PRIOR TO YOUR CLAIM ABOUT A PROFESSIONAL ADJUSTER WHO WORKS FOR YOU, DO YOU THINK YOU WOULD HAVE HIRED THEM TO ASSIST WITH THE CLAIM?

Yes

Comments below are from Janet Robbins, Greater Phoenix Chamber of Commerce, Business Development Executive

WHAT WAS THE TYPE OF CLAIM THAT OCCURRED ON YOUR PROPERTY?

Property damage due to weather. It was a lightning strike.

Many different forms of weather can cause property damage. Monsoons, hail storm damage, wind storms, lightening damage, haboobs, & wildfires are big ones here in Arizona. Other locations in the country experience different types of weather damage from hurricanes & tornadoes among others.

WHAT TYPE OF EXPERIENCE DID YOU HAVE WITH THE INSURANCE ADJUSTER?

It was all handled by phone

How can an insurance company assess and estimate a loss if they have never set foot on the property? Damages can not correctly evaluated without an onsite inspection.

WHAT IF ANY PROBLEMS AROSE WITH THE INSURANCE COMPANY?

There weren’t necessarily problems except that I did not know that my coverage only was based on replacement costs (RC) and not what I paid originally. Nor did it replace items over a certain amount and they had to be repaired instead and still don’t work properly.

This confusion could have been cleared up with AJR in your corner. Policies have many different clauses which we are able to clearly clarify and explain your rights in the process. Policy holders are entitled to “like” kind and “like” quality to be made whole, and we are able to negotiate on policyholders behalf to make sure insurance companies are paying for policies which clients have purchased.

WHAT KIND OF TIME FRAME DID IT TAKE TO SETTLE YOUR CLAIM?

I think over six (6) months.

Claim settlement depends on many factors. AJR assists and in a timely manner submits your claim. We have no control over the insurance companies timeliness in handling information once we submit on policyholders behalf. However, we work hard to expedite the claim.

WERE YOU SATISFIED WITH THE SETTLEMENT?

No not at all. One of the largest and most expensive items had to be repaired and still does not work to the quality of its original condition before the lightening strike.

AJR is in your corner through the whole claims process. AJR assists and ensures that policyholders are not placed in a position to accept less than they deserve with their claim.

DID YOU FEEL LIKE YOU WERE ON AN EQUAL GROUND WITH THE INSURANCE COMPANY, AS FAR AS KNOWLEDGE AND COVERAGE’S YOU WERE ENTITLED TO?

Absolutely not. Found out things as we went along actually costing insurance company more in the long run because they were not clear on what steps we had to take to get replacements and/or repairs.

AJR helps throughout the process making sure claim is submitted with correct information to ensure coverage. AJR is in constant contact with the client, explaining steps along the way confirming understanding of steps to be taken. Thorough documentation is kept for each claim to assist in negotiations with insurance company.

DID YOUR CLAIM TAKE TIME AWAY FROM WORK, PERSONAL TIME?

Yes, it did.

Understanding how stressful a property insurance claim can be, AJR immediately steps in to alleviate some of the stress which lets you get back to work, and personal time not having to manage your insurance claim on a daily basis.

HAD YOU KNOWN PRIOR TO YOUR CLAIM ABOUT A PROFESSIONAL ADJUSTER WHO WORKS FOR YOU, DO YOU THINK YOU WOULD HAVE HIRED THEM TO ASSIST WITH THE CLAIM?

I absolutely would have. I didn’t know they existed.

Now that you know about this industry, AJR is your professional adjuster with over 28+ years experience. Our knowledge and experience are unsurpassed in the Valley. Our personal service enables you to get back to life as normal as possible after an event occurs. With your next insurance loss, give us a call immediately for a no obligation consultation.

Once you hire AJR we will help you report your claim and take over from there, bringing in our experts to estimate all damages and monetary loss you have sustained.

Here is some guidance on what to do when your next claim occurs.

AJR Public Adjusters –602-795-5227

www.betterclaimresults.com

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

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

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.

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.