Alien Coverage

The title of my post may seem crazy.

Aliens, why are we securing coverage for this?

Well it seems as if there is somewhere to obtain insurance.

Read here for more information.

ALIENS AND INSURANCE

Did you know — the International Academy of Astronautics (IAA) Institute has a detailed plan for how to announce an event of extraterrestrial discovery. In 1989, the IAA adopted the Declaration of Principles Concerning Activities Following the Detection of Extraterrestrial Intelligence. Revised in 2010, it is now referred to as ‘The First Protocol’.

So we pursue the question, ‘what if’ there was an alien invasion? What if aliens visit and cause bodily injury or property damage? Is insurance available to cover such liabilities?

UFO and Alien Possibilities

The search for aliens has been ongoing for decades. Because of NASA discoveries, about half of humans are convinced that alien life exists. In fact, scientists and astronomers are still theorizing and disagreeing over whether the interstellar Oumuamua was an asteroid, a comet or something else entirely.

Alien Abduction Insurance

No discussion of extraterrestrial insurance would be complete without addressing the possible risk of alien abduction. Alien Abduction Insurance (AAI), a/k/a UFO insurance, supposedly covers the insured in event he or she can provide verification of abduction by non-human life forms, or aliens.

In 1994, a company now known as UFO Abduction Insurance Company insured 35,000 Americans against being kidnapped and eaten by aliens. Today, this company sells a $10 million policy and has sold more than 100,000 policies, with at least two paid out claims.

UFO Abduction Insurance Company is not the only policy option.
Lloyds of London has sold approximately 20,000 alien policies, according to Sunlife UK.

In 2018, Insurance Business reported that Budget Insurance in the UK was promoting a new Alien Abduction Insurance policy option, offering to add their interested homeowner policyholders to a waiting list.

ISO Coverages

Let’s explore some of the coverages and exclusions under the ISO Homeowners 3 form, the Commercial Property, and General Liability coverage forms:

Homeowners

If a UFO (unidentified flying object) lands on and destroys your house, there is no exclusion for that damage. However, if the UFO lands on the ground causing holes, that damage would fall under the land exclusion. Should the UFO leave any parts to be removed, that debris removal expense is not covered, as debris removal is for covered property and UFOs are not covered property. They can be seen as aircraft and are excluded.
Should aliens come into and destroy the home, there would be coverage for that direct physical loss.

Under the HO 00 03 personal property is covered on a named perils basis, and there is no named peril for aliens eating the coffee table. Insureds concerned about alien invasions should consult their agent about an HO 00 05.
If the UFO or aliens harm non-residents, for example, neighbors taking refuge in your house, then first aid and medical payments coverage would extend to those persons, subject to the terms of Coverage F – Medical Payments to Others. If your neighbors bring personal property with them and the alien forces an insured to destroy their property, up to $1,000 is available to replace that property.

There is an exception under the expected or intended injury exclusion for “bodily injury” resulting from the use of reasonable force to protect persons or property. If an alien came onto your residence threatening damage or bodily harm, you could use force to defend yourself and the policy would defend you against claims of injury from the alien.

If an alien infects you with a communicable disease, and you then infect others, no coverage will apply for any resulting bodily injury or property damage arising out of this communicable disease.

General Liability

The ISO general liability coverage form provides third-party liability coverage for bodily injury or property damage sustained by the insured. The form includes several provisions that would apply in event of bodily injury or property damage caused by or resulting from a UFO or alien.
The exception to the expected or intended injury exclusion would apply in the protection of persons or property.
Coverage C – Medical Payments will be available for accidents from just about anything that might happen to others on your property, up to its limit of insurance. Note however that anything excluded under Coverage A is also excluded under Coverage C.

Commercial Property

Under the Causes of Loss forms (Basic, Broad and Special), coverage extends to contact with a spacecraft, which should include a UFO. If deemed vandalism, there should be coverage for any property damage perpetrated by an alien.
However, if the government has to seize or destroy your property to protect it from the aliens, there would only be coverage for damage from the government destroying property to prevent spread of a fire.

If the alien damages property and it has to be torn down and the debris removed, the Ordinance Or Law exclusion would apply.
There is an exclusion for loss or damage caused by or resulting from artificially generated electrical, magnetic or electromagnetic energy. The question is would this type of energy from an alien be natural or artificial? Aliens may discharge such energy naturally; it would need to be determined if the aliens emitted this energy randomly without intent or if they could direct the energy at will.

Business Income and Extra Expense

Business income/extra expense coverage will follow the covered causes of loss, exclusions and limitations of the applicable Cause of Loss form shown in the Declarations. With respect to the Additional Coverages, coverage will apply if the applicable Cause of Loss form that applies to the described premises covers the actual loss or damage.
If aliens set fire to the fireworks factory, then a civil authority will likely cordon off the immediate area and order the entire block be evacuated, prohibiting access to the area while they hose everything down and put out additional fires ignited by sparks. If the insured’s business is within the prohibited area, Civil Authority coverage will begin 72 hours from the time access to the described premises was first prohibited and will last for up to four weeks.

Alien as Insured

Lastly, would an alien be eligible to purchase an insurance policy? Well, that would depend if that alien were an ‘individual’. When a term is not defined, we look to its common meaning and standard definition. Wikipedia defines an individual in part as, “…that which exists as a distinct entity…” The Free Dictionary defines an individual in Part 1. as, “of or relating to an individual, especially a single human; [or] by or for one person.” Part 2 of the definition is “Existing as a distinct entity; separate”. Depending on how broadly the carrier interprets the definition of ‘individual’, an alien might conceivably be granted eligibility to purchase a commercial insurance policy.

The homeowners policy however uses the term ‘person’ in lieu of ‘individual’. As all of the common definitions for person include “human” in the definition, it is unlikely that an alien could purchase a homeowners policy.

Hopefully, we will not be forced to put these coverages to the test. May the force be with you….

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting or other professional service. If legal advice is required, the services of a competent professional person should be sought.

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Honored to be recognized once again by YELP as Best Public Adjuster, Phoenix, Arizona January 2019

AJR does not take this position lightly.  We strive to handle our claims in a professional manner, while providing excellent customer service to our clients.  It is a strong testament to our services when our clients choose to share their experiences, here.

With all the turmoil in business today, with companies folding, you may wonder what position do I have if my insurance carrier goes under and files for bankruptcy. What happens when an insurer fails is a good article from National Underwriter explaining the rights you have as a policyholder.  All is not lost.

Anytime you need a consultation regarding an insurance claim call AJR first.  By calling first you put yourself in the best situation to recover all that you are entitled to for your loss.

AJR can be reached at 602-795-5227 or Send AJR an email message

 

Best practices to maximize an insurance loss to real property

With the new year upon us, we thought it might be helpful to remind you how to maximize your insurance loss by hiring a local public adjuster.  Follow steps below to secure a licensed reputable firm to ensure professional representation for your next insurance loss.

 

Best Practices Hiring a Public Adjuster

 

AJR Public Adjusters Website

602-795-5227

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

 

#1 Ranking via YELP for October 2018

Daily responsibilities include contacting Insurance Companies on our clients behalf.  Our involvement ensures our client receives all monies they are entitled to.

People have busy lives and spending the day trying to deal with an Insurance Company after a property loss, is not high on peoples wish lists.

AJR with our experience of over 30 years, knows how to speak with, negotiate and manage our clients claims with top notch results.

We are proud to be recognized in October 2018 by YELP as the #1 Best Public Adjuster for the Phoenix Arizona region.

AJR holds a license in Arizona and is able to represent policyholders with property claims throughout the state.  With your next claim give us a call first.  Like our clients here, let us take the stress off your shoulders and settle your claim with the high standards we have set.

WEBSITE FOR AJR

Bruce L Horowitz, President  480-519-9099

Stacy K Horowitz, Vice President  480-519-9199

Office — 602-795-5227

 

BEWARE — Solicitations from Unlicensed Public Adjusters and Repair Schemes

It is that time of year here in Arizona, monsoon season is in full swing.  Natural disasters are a normal occurrence over the summertime and consumers should be on their toes.

Here is an recent article dated July 12, 2018, released by the Idaho Department of Insurance, making the public aware of unlicensed individuals who are acting as public insurance adjusters for losses from hail storms.  Different state, same issue.  Public needs to be aware of individuals they hire to represent them with insurance claims.

This article points out an interesting situation that everyone should be aware of.

“Public adjusters often have mutual relationships with contractors, and may even be compensated by contractors  who are performing work in conjunction with damages caused by the insured loss; however, any compensation or financial interest must be disclosed by the public adjuster in writing to you as the policyholder”.

 

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AJR has NO “kick-back” relationship with any contractor, roofer, plumber.  We do not accept any money from others working on your job.  Our number one goal is to maximize your settlement for you, then get paid our percentage from the policyholder.  No settlement money is exchanged elsewhere regarding your claim.

It is always best to research anyone you plan to hire for representation with a covered insurance claim.  Some good sites that help with research to locate licensed, reputable firms are the Better Business Bureau, The National Association of Public Insurance Adjusters, NAPIA and the Arizona Department of Insurance.

 

AJR Public Adjusters,

602-795-5227, telephone

480-519-9099, Bruce Horowitz, President

AJR Public Adjuster Website

 

 

Updated Monsoon & Wildfire Claim Information

We have recycled an old article.  Knowing this is an important time of year here in Arizona for the potential of Monsoon, or Wildfire claim, we decided to republish a previous article highlighting the reasons to contact AJR if you discover damage to your property.

Will you be able to rebuild if your home or business is damaged or destroyed by a fire? How long will it take you to bounce back if you are wiped out by a flood or hammered by a monsoon? Will you recover quickly from the losses you suffer from vandalism or theft?

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You might be unpleasantly surprised more than once if tragedy strikes where you live or work – first by the brutal force of Mother Nature and later by the realization that you are unprepared to do anything but accept whatever compensation your insurance company offers. You can avoid this problem by hiring a public insurance adjuster, a person with the knowledge and experience to help you obtain the most favorable settlement possible – someone who represents you and not your insurance company.

“We serve as an advocate for the policyholder, but it’s important to remember that the policyholder controls the settlement. We advise and assist.” said Bruce Horowitz, president of AJR Public Adjusters, who has been serving homeowners and businesses for over 30 years, the last 5 summers being here in Arizona.

In addition to estimating how much damage has been done, AJR also helps file the paperwork to complete the claim and negotiate with the insurance company. There is no up front retainer type cost like an attorney, for their services, AJR charges its clients a percentage of the settlement.

Horowitz can offer his clients the advantages of a wealth of training and more than 30 years as a public insurance adjuster. He and his wife Stacy, who serves as vice president of AJR, moved their family to Phoenix following Bruce’s lengthy career, first with one of the largest and oldest public insurance adjusting firms in the Philarizdelphia area, then in Charleston, South Carolina.

Stacy, who handles the marketing and accounting for AJR, has another important job that is critical for the property owner – determining exactly what was lost or damaged.

“We take hundreds or sometimes even thousands of pictures,” she explained. “We document everything, then we send it to the client for approval.”

Bruce Horowitz cautioned homeowners and businesspeople to hire only public insurance adjusters who are licensed in the states where they do business.  Also to be wary of people claiming to be in a position to negotiate with the insurance company.  Only a licensed Public Insurance Adjuster has this authority, not your contractor, mitigation specialist, handyman, etc.

AJR is unique as they are one of a few companies who are a member of the National Association of Public Insurance Adjusters (NAPIA) with an office in Arizona. NAPIA is a 60 year old organization that sets the standards for the industry and offers its members educational opportunities and certification in various aspects of the business.

To find out more about how AJR Public Adjusters, Inc. can help you recover from a natural disaster or other property loss by helping you obtain an equitable settlement from your insurance company, call (602) 795-5227, email info@betterclaimresults.com, or visit www.betterclaimresults.com

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