Arizona Public Adjuster receives 20th 5 STAR BBB rating

AJR is proud to announce we have received our 20th 5 STAR Rating on Better Business Bureau Serving, Central, Northern & Western Arizona.

In 5 short years, AJR has established themselves as the premier public adjusting firm in the state.    AJR is not a storm chaser adjuster.  Our home state and loyalty are to Arizona.  We pride ourselves in handling claims solely for the policyholder in Arizona.  This enables Arizona Policyholders to take advantage of AJR’s expertise and 30+ year experience in the Public Adjusting Field.

View our 20 reviews here:  Better Business Bureau Website

With your next insurance claim, call AJR first.  We will evaluate the situation and review  your policy to determine if our involvement will add additional benefits for your claim.

AJR Public Adjusters      602-795-5227

 

When do expenses become Incurred?

Policyholders many times wonder when they are eligible to receive reimbursement above ACV in their claim?

ACV is the Actual Cash Value that is initially agreed upon in the claim.  There is a holdback which is a known figure to the policyholder.  Generally, the policy states this figure must be incurred.  As explained in the attached White Paper, incurred begins when a contract is signed with a builder to repair the property.

Hence, holdback money should be released upon providing a valid contract with a licensed builder.

This is the scenario in the best of circumstances.  As a note, even though this is the definition for this wording, many times Insurance Companies do not follow this thought process.

It is helpful to always know your rights and responsibilities.

Public Adjusters are licensed by the state and well versed in the area of claim recovery and can assist with this and other issues relating to your claim.

When are Expenses Incurred.pdf

 

Unauthorized Practice of Public Adjusting

Over the years we have encountered future clients who state, “Oh the contractor said they will assist with my claim.  They will talk to the Insurance Company and negotiate figures”

This is deemed as the UPPA — Unauthorized Practice of Public Adjusting and a  ruling was upheld in Texas pertaining to this act.  Read further a blog presented by NAPIA, (National Association of Public Insurance Adjusters), specifically spelling out how this ruling was reached and the ramifications of such practice.

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UPPA Verdict Upheld
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Continued

Policyholders always want to be informed by the individuals representing them, what their representation involves.  Always remember, only licensed Public Insurance Adjusters and lawyers are able to represent you with insurance property claims.

Fire in Vacation Home, BBB A+ Review

Appreciating our valued clients who choose to share their experiences about working with AJR, here is another A+, Better Business Bureau Review.

Thank you to our valued clients — Margi & Wayne Cook for your very kind words.

HERE

 

AJR Public Adjusters — 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

 

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

 

 

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