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

 

Why you should have a Public Adjuster on YOUR side with your next insurance claim

Most people who have a claim have no idea how to prepare and adjust it. They more or less rely on their “insurance adjuster” to do that for them. BIG MISTAKE! What you must understand is, it is the “insurance adjusters” job to make company first-rate settlements with policyholders, most of whom lack the fundamental information and adjusting skills to be on a level playing field with the adjuster.

Knowledge is leverage. The more you know, the more power you have, and insurance adjusters are well trained to cut corners and save their company money and, more and more, look for ways to avoid paying claims. You need someone as well trained in your corner looking out for your interests. The objective in adjusting should be to get as good a result as possible, as quickly as possible, as trouble free as possible. Most policyholders will continue their fate of dealing ineffectively due to the fact that they lack ability, information, and understanding.

To adjust is to negotiate. An adjuster is a negotiator. Usually, only the person representing the insurance company is considered the adjuster, and the policyholder receives his/her adjustment, as previously stated, from a company inspired adjuster. In order to arrive at an adjusted settlement, each side has its own needs to satisfy. The less you know, the more likely you are to be forced to meet the needs of the insurance company.

You must know your needs! You must know your rights!

A Public Adjuster can help you with both of these. If you don’t know what to expect and how to get it, you may become overwhelmed and give in too easily.

No one knows the outcome of an adjustment beforehand. Therefore, it is impossible to anticipate to what extent either party will give in to the needs of the other. Bargaining power becomes the main ingredient in adjusting. It usually comes about naturally as facts come to the surface. Adjusting is a matter of give and take, and unless you are dealing from a position of strength and knowledge like a Public Adjuster can offer, you may be forced to give too much.

Insurance adjusters facing a knowledgeable public adjuster usually enter on a more cooperative basis, and there is a strong likelihood that each will strive for common goals.

Usually a policyholder has to deal with a claim at a time following a disaster. Disasters including fire, haboob, wind, water, theft, etc.  Psychologically, most people are not up to the task under these circumstances. It is very common to see people in a state of shock, confusion and helplessness. A professional public adjuster will be emotionally level and competent.

The time of a personal disaster is not the time to be thinking about all of this for the first time. Think about it now and take comfort in the knowledge that AJR can be there to protect your interest if indeed the unthinkable happens to you.

AJR PUBLIC ADJUSTERS –BRUCE/STACY HOROWITZ—602-795-5227

WWW.BETTERCLAIMRESULTS.COM

 

 

 

If only I knew about AJR Public Adjusters for my last insurance claim

As we go about our business day at AJR, many times we meet people who have never heard of a public adjuster, or what we do.  Often times we hear, “if I only knew about your industry/services prior to my last claim”.  We reached out to some of these people to get their viewpoint on their settlement process.  (THE COMMENTS IN BLUE IS INFORMATIVE INFORMATION FROM AJR ABOUT THE CLAIMS PROCESS)

Comments below are from Rick Kidder,                                                                                    Scottsdale Chamber of Commerce, CEO

WHAT WAS THE TYPE OF CLAIM THAT OCCURRED ON YOUR PROPERTY?

Hail damage, significant damage to roof, A/C and other property

Claims on property can range from fire, wind, water, hail, theft, monsoon, etc

WHAT TYPE OF EXPERIENCE DID YOU HAVE WITH THE INSURANCE ADJUSTER?

Friendly, courteous, relatively thorough BUT did not test A/C unit

Generally interactions are friendly and courteous, but as in this case all coverages were not explained or handled for the policyholder

WHAT/ IF ANY PROBLEM AROSE WITH THE INSURANCE COMPANY?

A/C unit outside fan and compressor had to be replaced, but knowledge of that fact came well after the insurance claim was settled

Here is a situation where the insurance company was not forthright with the policyholder, explaining coverages they were entitled to and policyholder settled claim without all the information pertinent to their situation.

WHAT KIND OF TIME FRAME DID IT TAKE TO SETTLE YOUR CLAIM?

Check on the spot

Anytime a check is given on the spot, that is not to the policyholder’s advantage. How does the insurance company even know all ramifications of the loss in a quick look at the damage?

WERE YOU SATISFIED WITH THE SETTLEMENT?

Yes, except, had I known of hail damage to A/C unit, I would have been able to replace the unit and not just patch it up.

Policyholder did not know about all clauses and features of their policy that they could take advantage of or taken proactive step and have the A/C unit tested.  This is where AJR is able to give the policyholder an edge, since we know of all things to do from the start, we can help  put your claim in the best position to maximize recovery from insurance company and not miss any claimable issues. 

DID YOU FEEL LIKE YOU WERE ON EQUAL GROUND WITH THE INSURANCE COMPANY, AS FAR AS KNOWLEDGE AND COVERAGE’S YOU WERE ENTITLED TO?

No

This is where AJR can assist, with over 28+ years experience, our knowledge and customer service are unsurpassed in the industry.  We have read policies cover to cover for many years and know where to look to ensure policyholder is receiving all that they are entitled to.  Our job maximizing recovery for policyholder is demonstrated over and over.  

Look at what some of our previous clients have said.

 

DID YOUR CLAIM TAKE AWAY FROM PERSONAL TIME?

No

Often on larger losses personal and work time are affected in dealing with the insurance company.  AJR takes on this burden for you.

HAD YOU KNOWN PRIOR TO YOUR CLAIM ABOUT A PROFESSIONAL ADJUSTER WHO WORKS FOR YOU, DO YOU THINK YOU WOULD HAVE HIRED THEM TO ASSIST WITH THE CLAIM?

Yes

Comments below are from Janet Robbins,                                                                              Greater Phoenix Chamber of Commerce,                                                                            Business Development Executive 

WHAT WAS THE TYPE OF CLAIM THAT OCCURRED ON YOUR PROPERTY?

Property damage due to weather.  It was a lightning strike.

Many different forms of weather can cause property damage.  Monsoons, hail storm damage, wind storms, lightening damage, haboobs, & wildfires are big ones here in Arizona.    Other locations in the country experience different types of weather damage from hurricanes &  tornadoes among others.

WHAT TYPE OF EXPERIENCE DID YOU HAVE WITH THE INSURANCE ADJUSTER?

It was all handled by phone

How can an insurance company assess and estimate a loss if they have never set foot on the property? Damages  can not correctly evaluated without an onsite inspection.

WHAT IF ANY PROBLEMS AROSE WITH THE INSURANCE COMPANY?

There weren’t necessarily problems except that I did not know that my coverage only was based on replacement costs (RC) and not what I paid originally.  Nor did it replace items over a certain amount and they had to be repaired instead and still don’t work properly.

This confusion could have been cleared up with AJR in your corner.  Policies have many different clauses which we are able to clearly clarify and explain your rights in the process.  Policy holders are entitled to “like” kind and “like” quality to be made whole, and we are able to negotiate on policyholders behalf to make sure insurance companies are paying for policies which clients have purchased.

WHAT KIND OF TIME FRAME DID IT TAKE TO SETTLE YOUR CLAIM?

I think over six (6) months.

Claim settlement depends on many factors.  AJR assists and in a timely manner submits your claim.  We have no control over the insurance companies timeliness in handling information once we submit on policyholders behalf.  However, we work hard to expedite the claim.

WERE YOU SATISFIED WITH THE SETTLEMENT?

No not at all.  One of the largest and most expensive items had to be repaired and still does not work to the quality of its original condition before the lightening strike.

AJR is in your corner through the whole claims process.  AJR assists and ensures that policyholders are not placed in a position to accept less than they deserve with their claim.

DID YOU FEEL LIKE YOU WERE ON AN EQUAL GROUND WITH THE INSURANCE COMPANY, AS FAR AS KNOWLEDGE AND COVERAGE’S YOU WERE ENTITLED TO?

Absolutely not.  Found out things as we went along actually costing insurance company more in the long run because they were not clear on what steps we had to take to get replacements and/or repairs.

AJR helps throughout the process making sure claim is submitted with correct information to ensure coverage.  AJR is in constant contact with the client, explaining steps along the way confirming understanding of steps to be taken.  Thorough documentation is kept for each claim to assist in negotiations with insurance company.

DID YOUR CLAIM TAKE TIME AWAY FROM WORK, PERSONAL TIME?

Yes, it did.

Understanding how stressful a property insurance claim can be,  AJR immediately steps in to alleviate some of the stress which lets you get back to work, and personal time not having to manage your insurance claim on a daily basis.

HAD YOU KNOWN PRIOR TO YOUR CLAIM ABOUT A PROFESSIONAL ADJUSTER WHO WORKS FOR YOU, DO YOU THINK YOU WOULD HAVE HIRED THEM TO ASSIST WITH THE CLAIM?

I absolutely would have. I didn’t know they existed.

Now that you know about this industry, AJR is your professional adjuster with over 28+ years experience.  Our knowledge and experience are unsurpassed in the Valley.  Our personal service enables you to get back to life as normal as possible after an event occurs.  With your next insurance loss, give us a call immediately for a no obligation consultation.

Once you hire AJR we will help you report your claim and take over from there, bringing in our experts to estimate all damages and monetary loss you have sustained.

Here is some guidance on what to do when your next claim occurs.

AJR Public Adjusters –602-795-5227

www.betterclaimresults.com