Hey Arizona, Do You have 30 seconds?

Take 30 seconds to hear why YOU need a Public Adjuster for your next insurance claim.

Handling losses for claims including:

FIRE, WIND, WATER, THEFT-VANDALISM, HAIL, MONSOON, HABOOB,  COLLAPSE,  TORNADO, PLUMBING LEAKS,  SMOKE, EXPLOSION,  ROOF DAMAGE,  BUSINESS INTERRUPTION,  LIGHTNING STRIKE DAMAGE,  BUILDING CAR DAMAGE, ETC…

AJR PUBLIC ADJUSTERS   WWW.BETTERCLAIMRESULTS.COM

602-795-5227

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

 

 

 

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.