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

Trustworthy Insurance Claim Assistance from Better Business Bureau A+ Rated — AJR Public Adjusters

At AJR, we understand that dealing with insurance claims can be overwhelming. That’s why we’re here to simplify the process and ensure you get the maximum compensation you deserve.

With our A+ rating from the Better Business Bureau (BBB), you can trust that you’re working with a company that prioritizes integrity, professionalism, and excellence in service.

Videos related to AJR Public Adjusters. Arizona’s best Public Insurance Adjuster, representing policyholders with insurance claims to maximize recovery.

Insurance Companies have licensed adjusters, and policyholders are entitled to the same.

Testimonials and examples of claims we can handle.

AJR Public Adjuster Website

Proactive Tips for Property Insurance Claim Prevention

What are steps to take to help prevent a property insurance claim

Though this may seem counterproductive to our business here at AJR Public Adjusters, we like to provide helpful information. If we can give suggestions to help you protect your property from an insurance claim, that is a plus for everyone involved. We don’t like to see people dealing with the stress of an insurance claim; even when AJR Public Adjusters is the front line to the insurance company, there is still stress on the property owner that we can never alleviate.

Preventing property insurance claims often involves proactive measures to mitigate risks and maintain the safety and security of your property. Here are some steps you can take to prepare and prevent property insurance claims:

Regular Maintenance: Ensure that your property undergoes regular maintenance checks. This includes inspecting the structural integrity, electrical systems, plumbing, and HVAC systems. Fix any issues promptly to prevent them from escalating into larger problems.
Risk Assessment: Identify potential risks to your property such as fire hazards, water damage, theft, or natural disasters. Take steps to mitigate these risks, such as installing smoke detectors, fire extinguishers, security cameras, and alarm systems.
Weatherproofing: Weather-related damage can be a significant risk to your property. Weatherproof your property by sealing windows and doors, reinforcing roofs, and clearing gutters and drains regularly to prevent water damage.
Security Measures: Implement security measures to protect your property from theft and vandalism. This may include installing security alarms, motion-sensor lights, sturdy locks, and security cameras.
Insurance Coverage Review: Regularly review your insurance policy to ensure that you have adequate coverage for your property. Consider additional coverage options for specific risks that may not be included in your standard policy. If you have any questions, please reach out to AJR Public Adjusters at 602-795-5227. We can tell you what we suggest from a claim perspective.
Documentation: Keep thorough records of your property, including photos, receipts, and documentation of valuable items. This will be helpful in the event of a claim, providing evidence of the property’s condition and the value of any lost or damaged items. AJR Public Adjusters uses this information to help document & price your claim for reimbursement.
Emergency Preparedness Plan: Develop an emergency preparedness plan outlining procedures to follow during a disaster or emergency. Make sure all occupants of the property are familiar with the plan and know what to do in case of an emergency. If a claim should occur, your first call to AJR Public Adjusters will help begin the process. We will help you report the claim and get started immediately with our team to help mitigate your damages and secure an estimate to negotiate for settlement.
Training and Education: Educate yourself and others who occupy the property about safety procedures and best practices for preventing accidents and injuries. This may include fire safety training, first aid training, and awareness of potential hazards.
Regular Inspections: Conduct regular inspections of your property to identify any potential hazards or maintenance issues. Addressing problems early can help prevent them from causing more significant damage later on.
Communication with Insurance Provider: Maintain open communication with your insurance provider. Inform them of any changes to your property or occupancy that may affect your insurance coverage.

By taking these proactive measures, you can help minimize the likelihood of property insurance claims and protect your property from damage or loss.

Even after taking the steps above, if your property suffers a property insurance claim, be sure to have AJR Public Adjusters, telephone number 602-795-5227, handy to call us first to let us help you report your claim and begin the recovery process.

Key Steps when Seeking Help from a Public Adjuster for Property Insurance Loss

When your property is damaged from a covered insurance claim, seeking help from a public adjuster for a property insurance loss involves a few key steps:

Research and Selection: Start by researching reputable public adjusters in your area. A great place to start is the Better Business Bureau. These reviews are from actual clients of the business, unlike GOOGLE/YELP, where anyone can leave a review. Look for those with experience handling cases similar to yours and with positive reviews or recommendations from past clients.
Initial Consultation: Contact the public adjusters you’re interested in and schedule an initial consultation. During this conversation, they’ll assess your situation, review your insurance policy, and discuss the fee structure and the services they offer.
Documentation: Gather all relevant documentation related to your insurance claim, including your policy details, photographs or videos of the damage, estimates for repairs or replacements, and any correspondence with your insurance company. At AJR Public Adjusters, we will request this information after receiving your initial phone call. We then review and assess if our involvement will assist with your recovery. If we feel our assistance can further your claim in a positive direction while making it worth your time/money, we will set up a meeting to finalize our engagement.
Engagement: If you decide to proceed, you must sign a contract outlining the terms of the agreement, including the fee arrangement. Make sure you understand all aspects of the contract before signing.
Claim Handling: Once engaged, the public adjuster will handle the entire claims process on your behalf. This includes preparing and submitting the claim, negotiating with the insurance company, and advocating for your best interests to ensure you receive fair compensation for your loss.
Communication: Stay in regular communication with your public adjuster throughout the process. They should keep you updated on the progress of your claim and any developments that arise. At AJR, we pride ourselves on our constant communication with our clients. Always available to answer questions and provide current information regarding the claim. We have actually had clients in the past requesting less communication; after seeing the thorough job AJR provides, they didn’t want to know every small detail, just wanting to be involved in the large decisions and reap the benefits of our engagement with the final settlement.
Resolution: The goal is to reach a favorable resolution to your claim.

Remember, it’s essential to choose a reputable and experienced public adjuster who will work diligently to maximize your insurance claim settlement while minimizing your stress and hassle during the process.

AJR Public Adjusters have the experience of representing clients for over 35 years. With your next claim, give us a call first to speak with us personally about your claim.

We look forwad to hearing from you.

602-795-5227 – AJR Public Adjuster Website

You’ve suffered a property insurance loss, do you know what your insurance policy really covers?

Homeowners purchase home insurance to protect their homes and personal property.

After an insurance loss is not the time, you want to learn that it will not cover everything you have lost in your claim.

The article attached here explains a little further and discusses some common misunderstandings regarding insurance

https://www.nuco.com/fcs/2021/09/13/understanding-insurance-and-why-it-doesnt-cover-everything/?cmp_share

TakeAways

Insurance is a for-profit industry providing services to those who buy a policy.
Insurance does not pay for maintenance issues.
Insureds sometimes look at cost and don’t look at coverage.
Some agents take the easy way out and tell insureds they are covered for most catastrophic losses without providing details.
Insureds may not understand that their policy is not a replacement cost policy and only covers actual cash value. — this comes into play when settlement is determined.

This confusion reiterates the need for a licensed Public Adjuster to represent your interests from start to finish with your claim.

We are your A+ rated Better Business Bureau Public Insurance Adjuster here in Phoenix, Arizona, representing clients all over State 48.

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

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.

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.

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.

Any questions always remember you can call AJR, 602-795-5227.

http://www.betterclaimresults.com

More FAQ for hiring a Public Adjuster for your next property loss.

Your property/community/business has suffered property damage (fire, hail, wind, flood, water), NOW WHAT?

Your first inclination might be to contact your insurance carrier, but this may not be in your best interests. With all your personal and work commitments it may not be feasible for you to monitor and ensure your claim is being handled properly. Why not level the playing field with the insurance company?

WHY HIRE A PUBLIC ADJUSTER?

Your insurance company has professional adjusters to represent their interests. As a policyholder you are entitled to hire a professionally state licensed adjuster to represent your interests. The public adjuster has experience and knowledge to assist in preparing, documenting and negotiating claims. Adjusters have reviewed several policies prior to yours and know where to look in the policy to make sure your claim is filed for all the coverage’s you have paid for. Often times finding money that otherwise would have been overlooked.

The adjuster you hire should be experienced, licensed with the state and working for a reputable company who has a clean record with the insurance department. All adjusters need to be licensed and their company also needs to hold a license with the Arizona Department of Insurance.

FEE FOR PUBLIC ADJUSTER

The Public Adjuster is paid a contingency fee of the total monies received from the insurance company. The fee can range from 5% – 20% depending on the size of the claim, and is due at the time money is released from insurance company.

DUTIES OF PUBLIC ADJUSTER

To act as your representative in negotiating and dealing with the insurance company adjuster. Relieve your stress by engaging in discussions and negotiations with the insurance company on your behalf to maximize your recovery. The public adjuster brings in their experts/contractors to estimate and measure the damage independent of the insurance companies estimate. This estimate then provides the framework for the negotiating the adjuster will do with the insurance company.

SOME GOOD QUESTIONS TO ASK PRIOR TO SIGNING CONTRACT:

How many years have you been a licensed Public Insurance Adjuster?
May I have references or see testimonials from previous clients?
Will you personally handle my claim for me?
Will you keep me in the loop and inform me of all outstanding issues with my claim?

WHEN TO ENGAGE A PUBLIC ADJUSTER:

Ideally the public adjuster should be involved in the claim from the beginning including helping you report the claim. This is not to say you should feel rushed or pressured after a claim occurs to immediately hire the first person that approaches you. Investigate the company and the individual who will be acting as your representative.

SOME THINGS TO LOOK OUT FOR:

In the State of Arizona contractors are not authorized to represent you in insurance claim negotiations, nor are they professionally licensed or regulated by the state insurance/department agency to do so.

Relying on your insurance company to fairly calculate the amount of damage and what you are owed might not result in a full or fair settlement. The company adjuster who is sent out is measuring the loss for the insurance company not for you. As the policyholder you are entitled to have the claim loss accurately measured and then be reimbursement for all that you have lost.

BENEFITS OF HIRING A GOOD PUBLIC ADJUSTER:

An experienced and skilled licensed professional to work on your team.
Someone who understands intricacies of policy and assists in recovering all that you are entitled to
Strong advocate on your side to help provide more input and negotiating leverage for the final insurance settlement, more than you may have had on your own.

AJR Public Adjusters.

With close to 30 years licensed experience in the Public Adjusting field handling claims of all dollar amounts for losses due to fire, flood, water, hail, dust, theft, etc.

www.betterclaimsresults.com

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

When I have damage to my Roof, is Subsequent Interior Damage Covered?

Many times you may wonder how you are covered for a loss if you don’t discover damages for many months after an incident occurs. Noting that normal wear and tear are not covered, here is an example of a covered loss due to an incident, but realized many months after occurrence.

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A few months ago, following a downpour, an insured noticed some wet patches on the ceiling and high up on the walls. When he called in a roofer, the roofer said that the roof had been damaged in a severe hailstorm that occurred about a year previously.

We turned the claim in to the insurer, who denied the loss, saying that too much time had elapsed between the hailstorm and the resulting water damage.

Is this denial correct?

Indiana Subscriber

There is no requirement in the HO 00 03 that the cause of loss and the resulting effect follow each other within minutes, days, or even months. It is difficult to recognize that a covered cause of loss has occurred unless the physical signs of that cause manifest themselves. So, until the insured noticed the wet patches, he had no idea there was a possible covered loss.

The HO 00 03 excludes losses caused by wear and tear, marring, and deterioration. That is because these are things that will happen over time, and so are uninsurable. However, the policy adds that “any ensuing loss to property described in Coverages A and B not excluded or excepted in this policy is covered.” In other words, had the roof simply worn out, the ensuing loss—water damage to the interior—would be covered because it is not excluded. But in this instance, the roof did not wear out. An event specific as to time and place—the verifiable hailstorm—caused the damage to the roof.

Therefore, both the loss to the roof and the water damage to the ceiling and walls are covered.

Information supplied from Summit Business Systems.

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