Sometimes properties can get hit by more than one storm during a Monsoon Season. Questions arise about claims and how they need to be properly filed for full reimbursement.
When damage occurs a second time to a property that has not been fully compensated for the first loss, no new claim needs to be opened. The subsequent damage is added to the original claim, as the insurance company had not satisfied their duty to the insured prior to the second storm.
Information below from National Underwriters verifying this statement.
Should your property suffer damage this Monsoon Season, AJR Public Adjusters available to assist with full recovery from insurance company for all your losses.
Call AJR first to ensure your interests are properly represented. 602-795-5227
Given our current Monsoon Season, here are some tips from the Insurance Information Institute regarding preventing water losses to your property. Try to take precautions now to prevent water damage to your property.
Below is an example from a client of AJR who suffered water damage and a picture of the ominous looking clouds we are experiencing in the Valley right now.
Water damage is one of the most common and costly disasters affecting U.S. residences, accounting for billions of dollars in losses to homeowners and renters annually. However, consumers can protect themselves with the right amount and type of insurance coverage.
Source: How To Protect Your Home From Water Damage
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