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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I just discovered my property was damaged in Tinder Fire, what do I do?

After evacuation and finally being allowed back to your property, you discover you were one of the unlucky ones whose property was damaged.

A fire is one of the most devastating natural disasters anyone can endure.  As Public Adjusters, we have comforted and handled many clients like yourself.  After the devastation is recognized, its time to start processing your claim and preparing to rebuild your property.

Your first call to a Public Insurance Adjuster can be one of the most important calls you will make.  The Public Adjuster’s job is to analyze, estimate, and document your loss. Then, we negotiate your best settlement with the insurance company.

Many people don’t know this industry exists and think, “Oh, my insurance company will take care of me.”  What individuals don’t recognize is that the insurance company’s adjuster works to protect their interests. It is in your best interests to have someone professionally representing yours.

Upon calling a Public Adjuster, there should be no charge for a consultation.  The Public Adjuster is paid a percentage of the settlement.  Generally, 10% is a reasonable charge, though some circumstances warrant a different rate.

AJR Public Adjusters have represented policyholders over the years with fires similar to the devastating ones that have taken properties in the Tinder Fire.  Our 30+ years of experience and 21 A+ Arizona Better Business Bureau reviews are two of the reasons to give us a call first to find out how we can help you.  Our company is run by husband/wife team of Bruce and Stacy Horowitz,  and with other professionals (such as contractors) utilized at our discretion. We act with the idea of putting the best foot forward for insurance negotiations.

 

AJR Public Adjusters==602-795-5227==info@betterclaimresults.com

 

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

 

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

 

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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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