Category: tips

Post-Hurricane Action: Your Guide to Recovery

As Hurricane Milton approaches the Florida Gulf Coast, it’s crucial to prioritize safety and preparedness. Here are some suggestions from our national association NAPIA for what to do after the hurricane arrives.

Please stay safe, heed all warnings from authorities and know that property can always be restored, your health and safety are most important at this time.

When you are able to return to your property, assess the damages and contact a public adjuster in the area to help with recovery from your insurance company.

AJR Public Adjusters does not hold a license in the state of Florida, but we have many connections and may be able to help you locate someone who can assist you.

Maximizing Insurance Claim Readiness: Expert Strategies and Advice

We can never be fully prepared for an insurance claim, but here are a few steps you can take to help in advance before a claim occurs and you need to call AJR Public Adjusters for assistance.

Here are some steps you can take:

  1. Review Your Policy: Understand what your insurance policy covers and any exclusions or limitations it may have. This knowledge will help you make informed decisions.   If you have questions and still don’t understand, we can help you understand coverages as we begin to file the claim on your behalf.
  2. Maintain Detailed Records: Keep records of your possessions, including receipts, photographs, and appraisals. Documenting your belongings will make it easier to prove ownership and value in the event of a claim.  AJR Public Adjusters will take inventory of your items, help document them, and then price them for reimbursement.
  3. Regularly Update Your Policy: Review your insurance policy annually and update it as needed to reflect any changes in your circumstances or assets. This ensures that you have adequate coverage and reduces the risk of being underinsured.
  4. Consider Additional Coverage: Evaluate whether you need additional coverage beyond your basic policy. Depending on your location and individual needs, this could include options such as flood insurance, earthquake insurance, or umbrella liability coverage.
  5. Create a Home Inventory: Compile a detailed inventory of your home’s contents, including descriptions, serial numbers, and purchase dates. Store this inventory in a safe place, such as a cloud-based storage system, so you can access it easily in case of a claim and share with AJR Public Adjusters to assist us in properly documenting your items for reimbursement.
  6. Document Your Property: Take photographs or videos of your property, both inside and out. Focus on high-value items, structural features, and any recent upgrades or renovations. Update these records periodically to reflect changes to your property.  These photographs will assist AJR Public Adjusters when filing/proving to the insurance company items you had on your property.
  7. Maintain Maintenance Records: Keep records of any maintenance or repairs performed on your property. This includes routine maintenance such as HVAC servicing, plumbing inspections, and roof repairs. Good maintenance can help prevent damage and strengthen your claim if damage does occur.
  8. Know Your Deductible: Understand your insurance policy’s deductible and ensure you have funds set aside to cover it in case of a claim. Consider whether you can afford to increase your deductible to lower your premium costs.  
  9. Have Emergency Contacts Handy: Keep a list of important contacts, including your insurance agent or company and your local Public Adjuster, AJR Public Adjusters (602-795-5227). AJR should be your first call, and we can help you report the claim to your agent or company, expedite the claims process, and get assistance quickly in an emergency.
  10. Review Your Coverage Limits: Periodically review your policy’s coverage limits to ensure they are sufficient to protect your assets. Consider whether any major purchases or lifestyle changes warrant adjustments to your coverage limits.

Taking these proactive steps can help you be better prepared for an insurance claim and minimize stress and uncertainty if the unexpected happens.

AJR Public Adjusters — 602-795-5227

Helpful tips for staying safe during this upcoming Arizona Monsoon Season

With Monsoon Season just days away, some tips from AZ Central to stay safe during the season.

With any property damage call AJR Public Adjusters to assist with full recovery from insurance company.  Our #1 goal is to maximize your settlement while reducing your stress and handling your claim in the most professional efficient way possible.

Give us a call first for your FREE consultation.  We will advise the next steps to ensure your claim is handled properly.  There are many mis-steps that can be taken and we will help guide you to the best resolution.

AJR is your #1 Phoenix Public Adjuster via YELP, June 2019.  Look here for our A+ Better Business Bureau Ratings.

Have confidence in the company you hire to represent you with this important task, bringing your property back from damage.

We can be reached at 602-795-5337, info@betterclaimresults.com.

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