What happens to extra living expenses if the named insured wants to live separately after a fire?

After an insured loss, the insurance company pays for additional living expenses until the property is repaired to pre-loss condition.

Once settled into temporary residence, the couple decides to part ways.  The Insurance Company is not obligated to pay for two temporary residences. Their responsibility is to provide a normal standard of living, which at the time of the loss was a joint home.

Insureds can choose to split existing payment between two homes.  The insurance company has no obligation to pay on two residences.

Additional Living Expense Not Covered for New Standard of Living

 

Is Wind Driven Rain Covered Under My Homeowners Policy?

As Monsoon season has passed here in Arizona, we at times still are experiencing rains of significant proportions.  Clients have recently asked us about damage that has occurred over the years due to Monsoon Seasons.

A HO policy 00 03 05 11 with and endorsement of HO 32 32 06 12, states that  constant repeated discharge, seepage, or leakage of water excluded.  This coverage pertains to repeated wind-driven rain that causes hidden damage, mainly rot, and water damage to insulation that cannot be seen.

There is an exception for mold that is hidden behind walls that applies to water caused by heating, plumbing, air conditioning system, sprinkler system, or household appliance, or storm drain or water steam/sewer pipes off premises.  The endorsement excludes water caused by repeated seepage or leakage.  Wind driven rain is not repeated leakage or seepage, it is forced by the wind.   Wind-driven rain is excluded under the water exclusion.  Therefore this is not a covered loss.

via Summit Business Systems.

Monsoon Season is OVER…Tips for filing claims

Now that the calendar reads October 1, 2015, Monsoon season is technically in the books for the 2015 year.
If you find yourself in a situation with damages from the storms, there are some things you can/should do immediately.

When damage occurs originally you should have contacted a licensed Public Insurance Adjuster.  The adjusters job is to represent your interests alone, not the insurance company.  The public adjuster will help you garner estimates for the property reconstruction and assist in negotiations with the insurance company.  The insurance company is not on your side and is out to protect their bottom dollar.  You need professional, experienced representation to ensure you are receiving maximum coverage for all clauses you have been paying over the years.

One of the biggest comments we hear constantly is, “They have been my insurance company forever.  I pay my premiums on time, all the time.”  Unfortunately when claims occur, your loyalty over the years does not come into consideration, when the insurance company needs to pay out for your claim.

When looking for a Public Adjuster, confirm you are speaking with experienced, licensed professionals.  The more experience the adjuster has, as with anything, the more prepared they are to negotiate on your behalf and secure an extraordinary settlement.

Here is a link to a segment produced by CBS 5 in Phoenix talking about recovery from insurance companies.  AJR’s own Bruce Horowitz is quoted, how to approach monsoon claims and protect your rights.

 

AJR Public Adjusters –602-795-5227 —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

 

8 quick tips: Why hire a Public Adjuster? How does it help ME?

1.     Your property/community 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? 

2.     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.

 

3.     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.

 

4.     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.

 

 

5.     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?

 

 

6.     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.

 

 

7.     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.

 

 

8.     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.

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

Mobile Insurance Apps You can Utilize to Document Inventory Prior to Next Insurance Claim

After a devastating loss is not the time you want to start thinking about “what did I own?”.

Insurance companies require you to document all that was lost in your claim and provide information as to the cost of each item.

Here is a link to a website that provides information how to obtain a mobile app that can help you inventory your possessions prior to that next claim.

Click here to see the mobile apps that help you inventory your possessions

Documenting and listing all that was owned prior to your loss  is something these apps can help with.   These apps if you take the time, can assist in the process to make sure no personal items are missed in the claim.

You may be thinking if I have all this already documented, why do I need a Public Adjuster?  The Public Adjuster can then  use this information, add more detail in the language that the insurance company requires and complete the inventory.  The Public Adjuster adds  their knowledge and skill to negotiate with the insurance company to make sure you are paid in full for all that was lost.  It should be an easy process, unfortunately walls are put up that prevent policyholders from recovering all that they are entitled to.  Adjusters with their expertise and experience are able to maximize your recovery from the insurance company.

The next time you find yourself with an insurance claim, even if you have used our suggestions and documented your possessions, its best to call AJR.  With our 28+ years experience we will use our knowledge and document your claim properly for maximum recovery, then use our mastery to negotiate your claim for maximum results.

AJR Public Adjusters – 602-795-5227 – www.betterclaimresults.com