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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Monsoon Season in 10 days. Here is updated information regarding storm damage

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.

fullsizeoutput_9fccShould 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

How To Protect Your Home From Water Damage

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

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