Property insurance claims can be tricky, and by understanding the common mistakes people make in Arizona, AJR Public Adjusters can help you navigate the process more effectively.
Why hire AJR Public Adjusters for property insurance claims?
Following the steps below will help you bypass common mistakes when filing insurance claims.
1. Initial Contact with AJR Public Adjusters
- Action: Reach out to AJR Public Adjusters (602) 795-5227 immediately after the damage occurs.
- Solution: Contact AJR to schedule a consultation. We will review your policy and help you understand your coverages. We will guide you through the entire claims process, explaining the specifics of what you are entitled to under your insurance policy.
2. Free Consultation and Policy Review
- Action: Review your property insurance policy with an AJR Public Adjuster.
- Solution: AJR will examine your policy to confirm that your coverage matches the damage incurred. This step ensures you’re claiming for the right damages (e.g., water, fire, storm damage) and not missing important coverages.
3. Documenting the Damage
- Action: Allow AJR Public Adjusters to document the damage on your property.
- Solution: AJR will send a licensed adjuster to your property to thoroughly document the damage. We will bring out an estimator to assess damages and take photos, videos, and detailed notes to establish the full extent of the loss, which will be crucial for maximizing your claim. This documentation will often be much more thorough than you might do alone.
4. Estimate of Loss
- Action: AJR will work with contractors and experts to get an accurate estimate of the cost to repair the damage.
- Solution: AJR Public Adjusters will hire licensed contractors and specialists to provide detailed estimates of repair or replacement costs. This estimate will form the foundation of your claim. AJR’s expertise ensures that the estimate is fair and comprehensive, covering all necessary repairs and replacements.
5. Filing the Claim
- Action: AJR will submit the claim on your behalf after you have approved the estimate created.
- Solution: AJR Public Adjusters will take care of submitting your claim to the Insurance Company and ensure that all required forms and documentation are appropriately filed. We will also ensure that the claim is filed promptly, in line with any time limits stated in your policy.
6. Insurance Company Interaction
- Action: Allow AJR to communicate directly with your insurance company.
- Solution: AJR will handle all communication with your insurance company, relieving you of dealing with adjusters, claims representatives, or disputes. We will ensure that your insurer does not undervalue your claim or delay processing, and we will negotiate for the best settlement possible.
7. Insurance Adjuster’s Inspection
- Action: Coordinate with AJR so the insurance company’s adjuster can inspect your property.
- Solution: AJR will accompany the insurance company’s adjuster during their inspections of your property. We will ensure the adjuster conducts a thorough evaluation and that no damage is overlooked. AJR will also advocate for your interests if the insurance company’s adjuster misses anything or undervalues the damage.
8. Review Settlement Offer
- Action: Review the insurance company’s settlement offer with AJR.
- Solution: Once the insurance company provides a settlement offer, AJR will thoroughly review it. We will assess whether the settlement is fair and based on a full damage assessment
9. Negotiating the Settlement
- Action: If necessary, AJR will negotiate with your insurance company.
- Solution: If the initial offer is unsatisfactory, AJR will utilize our 35+ years of experience and continue negotiating with your insurance company to increase the payout. This could involve presenting additional evidence and re-negotiating the repair estimates.
10. Appealing the Decision (if needed)
- Action: If you disagree with the insurance company’s final decision, AJR will guide you through the appeals process.
- Solution: If your claim is denied or the settlement is still too low, AJR Public Adjusters will inform you of your options, which begin with an appraisal ( which is explained in your policy), which is your duty before ever filing a lawsuit.
11. Final Settlement and Repair
- Action: Accept the settlement and proceed with repairs.
- Solution: Once AJR has secured a fair settlement, you will receive the payout and can move forward with repairs. AJR will continue assisting you throughout the repair process to ensure the settlement covers all necessary repairs and replacements.
12. Continued Support (if needed)
- Action: Reach out to AJR for any further assistance after settlement.
- Solution: Even after the claim is settled, you can continue to rely on AJR to advocate for you.
Key Benefits of Using AJR Public Adjusters:
- Expert Negotiators: AJR has the knowledge and experience (35+ years) to ensure you get the most money possible for your claim.
- No Upfront Cost: AJR works on a contingency fee basis, meaning we only get paid a percentage of the settlement when the insurance company issues checks. This makes our services affordable and aligned with your best interests.
- Less Stress for You: With AJR handling all the paperwork, negotiations, and communication with the insurance company, you can focus on recovering from the loss without worrying about the claims submission process.
- Maximized Payout: AJR’s goal is to ensure you get the maximum payout possible based on your policy, which often results in higher compensation than if you handled the claim alone.
By utilizing AJR Public Adjusters as your advocate, you’re ensuring that you have a professional on your side who will work hard to get you a fair settlement for your property insurance claim.
AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona 