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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Continued

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.

Property Insurance Claim — 5 things to Watch For

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:

  1. 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.
  2. He was told that the adjuster would contact him
  3. The adjuster would bring in his “sister” company to write the estimate.
  4. It is recommended the insured use the sister company
  5. 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 WEBSITE              602-795-5227


 

15 Reviews STRONG, A+ Better Business Bureau Rating

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.

Kevin Ross A+ BBB Rating of AJR

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.

AJR PUBLIC ADJUSTERS, 602-795-5227

Send AJR an email

 

Another 5 STAR review for AJR

5 STAR review via Facebook

ANOTHER ONE FOR THE BOOKS

Once again AJR has assisted and helped a policyholder with an insurance claim to maximize their recovery.  There is no greater compliment than having clients wanting to let others know about their great experience.  We thank you.  Happy Holidays.

ATTENTION ARIZONA !!! Why do I need AJR?

ATTENTION ARIZONA —    

Did you know you don’t have to take your insurance company adjuster’s word as gospel for your property loss claim?

AJR Public Adjusters gets you the maximum settlement on any business or home property loss claim.

If you have a claim contact AJR today at www.betterclaimresults.com

Thats better claim results.com

AJR Public Adjusters — 602-795-5227  

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

 

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