Property Insurance Claim — 5 things to Watch For

Recently we have received  many phone calls from insureds who have suffered property claims but are experiencing a situation that is occurring more and more.

Today a call came in and the man mentioned:

  1. He lived in an area where a weather disaster struck months ago. A sales person representing an”adjuster’ rang his doorbell and said he could help him with his roof problem.
  2. He was told that the adjuster would contact him
  3. The adjuster would bring in his “sister” company to write the estimate.
  4. It is recommended the insured use the sister company
  5. This adjuster was going to charge an inflated fee for the services, and also made it known that this fee (25%) was due whether the insured used his contractor or not.  When these sister companies complete repair for the property  basically this may be considered double dipping, or kickback payments.

You always want to make sure:

  • The Public Adjuster you hire has a current license in the State.
  • The Public Adjuster, their firm, has solid real reviews.  (Not just Joe Smith “they did a good job”)
  • The Public Adjuster is charging a fair fee for their services. Typical percentages range from 10 – 15%.
  • The Public Adjuster may disclose their relationship with other companies they plan to bring in to submit your claim, you may want to use caution when you are made aware of this.

AJR Public Adjusters is an Arizona Licensed Public Insurance Adjuster with over 30+ years representing policyholders with insurance claims.

AJR WEBSITE              602-795-5227


 

15 Reviews STRONG, A+ Better Business Bureau Rating

AJR is proud to announce another client wanted to share their outstanding experience with our representation.  Click on link to read Kevin Ross’s @BBBArizona testimonial.  Below are pictures from right after the fire and repaired photos.  AJR assisted Kevin in maximizing his recovery to enable him to repair his garage in a timely fashion.

Kevin Ross A+ BBB Rating of AJR

As they say in life, “anything you say can and will be used against you.”  To ensure you are properly represented with an adjuster who has over 30+ years experience,  with your next insurance claim, contact AJR Public Adjusters first to ensure maximum recovery for your claim.

AJR PUBLIC ADJUSTERS, 602-795-5227

Send AJR an email

 

Dryer Fire Prevention

34% of home clothes dryer fires is failure to clean them.

You think I clean out the lint catcher every time I put a new load in, I am cleaning my dryer.  You’d be surprised that is NOT ENOUGH.

No matter how good your dryer vent is connected, lint still collects on the inside of the dryer. (view pictures)

Once a year it is a good idea to have a service technician take apart the machine completely.  They take off the front of the dryer, pull out the drum and then can vacuum the inside of all the collected lint.

It may be the best $125 you spend this year.  Fire prevention is important and this is a little thought about way to prevent dryer fires.

Fire Safety Outreach Materials

Consumer Reports – Truths & Myths of Dryer Fires

3rd times the Charm, another 5 STAR BBB Review

For the third time this week a 5 Star BBB review has been posted about AJR Public Adjusters.

This one is from a client we represented in December.  Their email was not verified until this week.

View Devon, 12/29/16 Review HERE

It is appreciated, when previous clients choose to inform others of the outstanding service we at AJR provide.

The Policyholder is our #1 priority, and to maximize their claim and settle it fairly in their favor is our focus.

With your next insurance claim from fire, water, theft, hail, monsoon, etc.  Call AJR first and let us help report your claim to ensure you are presenting your claim to the insurance company in the best manner possible for full recovery.

 

AJR Public Adjusters, Inc. — 602-795-5227 — Visit AJR WEBSITE HERE

AJR awarded another 5 STAR BBB review

It is rewarding when clients recognize and acknowledge what you do on a daily basis.

AJR consistently represents clients and settles claims in excess of what the insurance company would prefer to pay.  AJR doesn’t state this information as a rule.  Publishing numbers stating how much higher we settled claims for would be misleading and incorrect.  This information at times can be unverifiable and can be grossly exaggerated with no way to confirm.  It is prudent upon a potential client to verify all information provided, verbally, on a website or printed material.

This client who previously hired another Public Adjuster before engaging AJR, had some knowledge of the figures provided by that Public Adjuster to restore her property.   AJR stepped in brought in our experts and settled the claim 45% higher (as stated by the client in the review).  Read review below

 

Additional 5 Star BBB Review

 

After reading comments from previous clients, know that AJR has your interests as our #1 priority.  Call us first when your property suffers any kind of insurance claim.  Let us report your claim for you to the insurance company.  This helps ensure that no statements will be made that can hurt your eventual recovery from the insurance company.

 

AJR PUBLIC ADJUSTERS — 602-795-5227 —–Click here to visit AJR web page

 

Another 5 STAR Better Business Bureau Review

5 Star Review about AJR Public Adjusters

AJR is honored and humbled to be recognized by our clients again for the exceptional service we provide.

AJR PUBLIC ADJUSTERS, INC — 602-795-5227, http://www.betterclaimresults.com

 

 

Another 5 STAR Better Business Bureau Review

AJR Public Adjusters realize there are other adjusters people can choose to help them with their claims.  We recognize our personal service, knowledge and attention to detail is what sets us apart.

We don’t want it to be needed but it’s nice to have speed dial and we are at the top for you, AJR.

5 Star Better Business Bureau Review

 

AJR Public Adjusters — 602-795-5227 — info@betterclaimresults.com

 

Denial of Coverage due to misrepresentation

Many times we are asked the question, What if I forgot to mention something in my application?

According to our research via FC&S, The National Underwriter Company, the application is the standard by which the policy was written.  If you do not disclose completely your situation, this is cause for voiding the policy, and gives the insurance company an out to pay for a loss.

Remember the obligation is on the potential policyholder to disclose all information.  If it is discovered you misled the insurance company, that policy is null and void.  Lesson learned, disclose any and all information when applying for property insurance.

Read Below analysis from the leading investigative agency in the industry, FC&S.

screen-shot-2017-01-19-at-1-39-43-pm-2Any questions always remember you can call AJR, 602-795-5227.

http://www.betterclaimresults.com

 

Why would I need Riot Insurance?

Today many people are not satisfied with the direction of the country.  Some upset individuals resort to protesting peacefully, others begin riots.  We often wonder how our businesses are covered should a demonstration break out near our business.

See the article below from National Underwriters, describing what coverages are are an option for policyholders to purchase prior to these cases.

FIVE KINDS OF INSURANCE YOU’LL BE

GRATEFUL YOU BOUGHT

AFTER A RIOT

By Rosalie L. Donlon, PropertyCasualty360.com

In a sad commentary on the state of race relations in some parts of the country and ongoing tensions between citizens and the police, Charlotte, North Carolina, protests after a recent shooting escalated into rioting in the streets.

Like the riots in Baltimore in 2015, many victims of the violence are small-business owners whose properties are unfortunately located in the line of fire.

When the dust settles—in days or weeks—those property and business owners will be looking to their insurance companies to help make them whole.

“Businesses with claims should contact their insurance professional as soon as possible. In addition, they should take steps to safeguard their business, including boarding any broken windows to prevent looting,” said Loretta Worters, vice president of the New York City- based Insurance Information Institute.

In some cases, coverage will be under a commercial general liability policy while other coverage may be available under a businessowners policy, although coverage may be more limited.

Worters provided the following overview of the five main types of insurance that will be important in the aftermath of the riots:

1. Property Damage

In most cases, business owners whose property is damaged by riot or civil commotion and looting are covered. The “rioting” definition covers looting by participants who steal merchandise or other property from the premises, as well as fire and vandalism.

Depending on the policy, a business may also have glass coverage if the glass store front has been destroyed by the riots. Some policies require the purchase of plate-glass-window insurance as an additional coverage.

2. Business Interruption

Businesses that must suspend operations or limit their hours because of rioting will have coverage on their business interruption (also known as business income) policy if there is direct physical damage to the premises of such magnitude that the business must suspend its operations.

Coverage depends on the individual policy, but typically begins after a waiting period of twenty-four to seventy-two hours and lasts for a period of two weeks to several months, depending on what the business owner opted for when purchasing the policy. Typically, business interruption reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered peril.

Physical damage to other property that prevents customers or employees from gaining access to the business is also covered, although subject to a similar waiting period of twenty-four to seventy-two hours.

Reductions in business income associated with fear of traveling to a location, in addition to closure to areas by authorities because of a heightened state of alert, would not be covered by business interruption policies. These are the kinds of losses businesses in Miami faced over the summer with the threat of Zika virus, and businesses around the Gulf Coast expected after the Deepwater Horizon oil spill, for example.

3. Civil Authority

If civil authority—that is, the police, fire department, state or local government, or a military authority—keep people away from an area, there is generally coverage for lost business income and extra expense through a civil authority endorsement (which typically is purchased separately). In North Carolina, for example, Gov. Pat McCrory declared a state of emergency and began the process toward deploying the National Guard and the state Highway Patrol to assist local police.

Coverage includes curfews and other restrictions on access to a place of business, and usually begins seventy-two hours after the time of the first action of civil authority. Again, there has to be either direct damage to the covered property or property adjacent to the premises as it is described in the insured’s policy. The coverage time period most commonly stated in this endorsement is either fourteen or thirty consecutive days.

4. Extra Expense Insurance

Extra expense insurance reimburses your company for a reasonable sum of money that it spends, over and above normal operating expenses, to avoid having to shut down during the restoration period. Usually, extra expenses will be paid if they help to decrease business interruption costs.

In some instances, extra expense insurance alone may provide sufficient coverage, without the purchase of business interruption insurance.

5. Other Coverages

Individuals may also have some coverage for theft, looting, or fire under their auto insurance policies, if they have optional comprehensive coverage

Generally, theft from looting and damage to a residence from rioting also would be covered by homeowners or renters insurance.
“These riots are a reminder to business on the need for business interruption insurance,” said Worters. “Each day a business remains

closed is another day of lost revenue.”

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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