homeowner insurance policy – Page 2 – AJR Public Adjusters – BBB A+ Rated Local Public Adjusters in Arizona

When faced with an insurance loss, why you should hire a licensed Public Adjuster

When faced with the stress and complexity of an insurance claim, it’s worth considering the relief that a Public Adjuster can bring. Insurance claims can be incredibly stressful, and navigating the claims process can feel overwhelming at times.

Some advantages of enlisting a licensed Public Insurance Adjuster are:

Public Adjusters are professionals who specialize in managing insurance claims on behalf of policyholders. Specifically, AJR Public Adjusters LLC understands the intricacies of insurance policies, having practiced in this field for over 35+ years. This expertise ensures you receive the maximum compensation you are entitled to under your policy.

AJR works exclusively for you, the policyholder, unlike insurance company adjusters, who solely represent the insurer’s interests. AJR is laser-focused on ensuring your claim is handled fairly and that you receive the compensation you deserve.

Proper documentation is crucial when filing an insurance claim. AJR, with over 35+ years of experience, is skilled at documenting the extent of your loss comprehensively and accurately, including damage assessment and providing an inventory of lost or damaged items with a price to replace. This accurate documentation strengthens your claim and helps provide accurate information to the insurance company regarding the value of your loss.

Insurance companies often try to minimize payouts or deny claims altogether. AJR, with our 35+ years of experience, are adept negotiators who understand insurers’ tactics and can effectively negotiate on your behalf to ensure you receive a fair settlement. We aim to maximize your settlement and expedite the claim process, relieving you of the stress of dealing with insurance company bureaucracy.

Following up on an insurance loss can be time-consuming and emotionally draining. Hiring AJR Public Adjusters will free you from the hassle of managing the claims process yourself, which you are not a professional at. This allows you to refocus your energy on rebuilding your life or business. We handle all aspects of the claim from initial filing to final settlement, saving you the time, stress, and frustration of dealing with your insurance company.

The biggest takeaway is that by hiring AJR Public Adjusters, you are leveling the playing field between you and the professional insurance adjusters who work for the insurance company. We ensure your interests are protected, and you will receive the full compensation you are entitled to under your policy.

Our expertise, advocacy, and dedication to your claim can significantly affect its outcome for the positive.

Please view our A+ testimonials on the Better Business Bureau of the Pacific Southwest for further confirmation of AJR Public Adjusters record.

View our website www.publicadjusteraz.com

You can reach us at 602-795-5227

info@ajrpa.com

How to request a copy of your insurance policy

After a claim occurs, one of the first questions we ask policyholders is, “Do you have a full copy of your insurance policy?”

The reason for this question is this is “the Bible,” letting us know as your potential representative, what coverages you have in your policy that will enable us to assist you with your claim.

There are clauses and information that mean something to AJR, with our 32 + year experience. Knowing where to look in the policy for additional coverages is the benefit of hiring an experienced public adjuster to represent you with your insurance claim.

This policy was probably given to you when you first signed up with the insurance company. Over the years, the insurance company may have only sent renewal letters and not the complete policy again.

A sample letter adapted from a United Policyholders template shows how to request your insurance carrier this policy that is needed to negotiate your claim for you.

Sample Letter Requesting Complete Copy of Homeowners Policy

NOTE: This letter is a sample that must be customized to fit the facts of your individual situation and claim. All bracketed and underlined portions must be completed or revised before sending. Use this letter to request a complete copy of your homeowners’ policy from your insurance company.

(Date)

(Name of adjuster or highest ranking ins. co. employee) (Name of Insurance Co.)

(Address)

Re: Claim Number _____________

Date of Loss: __________________

Name of Insured: _______________________ Address of Insured Property: _____________

Dear [INSURANCE COMPANY],

Please send me a complete and certified copy of my homeowner’s insurance policy, including all declarations, endorsements, riders, and any changes to the insurance policy that would affect coverage at the time of the above-noted loss. Please send it to the mailing address listed below within fifteen (15) calendar days of this letter’s date.

Thank you in advance for your prompt handling of my request. I look forward to receiving the above-requested documents and working with [INSURANCE COMPANY] to complete the claim process.

Sincerely,

YOUR NAME MAILING ADDRESS

================================================================

Call AJR Public Adjusters first with your next insurance claim.

We can be reached at (602) 795-5227 or claims@betterclaimresults.com

http://www.betterclaimresults.com

How are my Fine Arts Covered in my Insurance Claim?

Beauty is in the eye of the beholder.

Fine Art to one policyholder may not be the same for another. Questions always arise how are my collectibles, fine arts treated in my insurance claim. Below please find an analysis by The National Underwriter Company regarding this issue.

Highlights

Once it is determined whether an object is a fine art, it must be determined how the property should be insured. There are sixteen named perils, and if one of those does not damage the property, there is no coverage.

There are special limits, most do not apply to true fine arts. Coins have a special limit, as does silverware, gold ware, platinum ware including tea sets, gold silver and platinum, although some may not actually be fine arts.

The best option is to schedule the property into the homeowners policy with the Scheduled Personal Property Endorsement.

READ BELOW FOR FURTHER DESCRIPTION

Insuring Your Fine Arts

AJR Public Adjusters

602-795-5227

www.betterclaimresults.com

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

Garage Fire, Glendale Arizona

Fire Damage, Insurance Claim

Insurance Repair

Laundry Room Fire Damage

Property Insurance Claim Recovery

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

My child is at college — Is their personal property covered under my homeowners insurance policy?

It’s the time of year when children are off for college campuses. Some children are not living in dorms this year. Many times these apartments won’t hand over the keys until proof is shown of insurance on their personal belongings as well as liability.

Here is an article about this topic.

** Specifically take note **

If a child is over 21

there is no coverage under the parents policy at all.

Good luck to all students headed back to college this fall.