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.
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.
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.
Recently we have received many phone calls from insureds who have suffered property claims but are experiencing a situation that is occurring more and more.
Today a call came in and the man mentioned:
He lived in an area where a weather disaster struck months ago. A sales person representing an”adjuster’ rang his doorbell and said he could help him with his roof problem.
He was told that the adjuster would contact him
The adjuster would bring in his “sister” company to write the estimate.
It is recommended the insured use the sister company
This adjuster was going to charge an inflated fee for the services, and also made it known that this fee (25%) was due whether the insured used his contractor or not. When these sister companies complete repair for the property basically this may be considered double dipping, or kickback payments.
You always want to make sure:
The Public Adjuster you hire has a current license in the State.
The Public Adjuster, their firm, has solid real reviews. (Not just Joe Smith “they did a good job”)
The Public Adjuster is charging a fair fee for their services. Typical percentages range from 10 – 15%.
The Public Adjuster may disclose their relationship with other companies they plan to bring in to submit your claim, you may want to use caution when you are made aware of this.
AJR Public Adjusters is an Arizona Licensed Public Insurance Adjuster with over 30+ years representing policyholders with insurance claims.
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.
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.
34% of home clothes dryer fires is failure to clean them.
You think I clean out the lint catcher every time I put a new load in, I am cleaning my dryer. You’d be surprised that is NOT ENOUGH.
No matter how good your dryer vent is connected, lint still collects on the inside of the dryer. (view pictures)
Once a year it is a good idea to have a service technician take apart the machine completely. They take off the front of the dryer, pull out the drum and then can vacuum the inside of all the collected lint.
It may be the best $125 you spend this year. Fire prevention is important and this is a little thought about way to prevent dryer fires.
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.
Another satisfied AJR client publishing their experience regarding top notch service they received from AJR. Next time you find yourself with an insurance claim, contact Arizona’s best Public Adjuster immediately. We will help you report your claim and ensure you are taking advantage of all coverages you have paid for, while maximizing your return.