After evacuation and finally being allowed back to your property, you discover you were one of the unlucky ones whose property was damaged.
A fire is one of the most devastating natural disasters anyone can endure. As Public Adjusters, we have comforted and handled many clients like yourself. After the devastation is recognized, its time to start processing your claim and preparing to rebuild your property.
Your first call to a Public Insurance Adjuster can be one of the most important calls you will make. The Public Adjuster’s job is to analyze, estimate, and document your loss. Then, we negotiate your best settlement with the insurance company.
Many people don’t know this industry exists and think, “Oh, my insurance company will take care of me.” What individuals don’t recognize is that the insurance company’s adjuster works to protect their interests. It is in your best interests to have someone professionally representing yours.
Upon calling a Public Adjuster, there should be no charge for a consultation. The Public Adjuster is paid a percentage of the settlement. Generally, 10% is a reasonable charge, though some circumstances warrant a different rate.
AJR Public Adjusters have represented policyholders over the years with fires similar to the devastating ones that have taken properties in the Tinder Fire. Our 30+ years of experience and 21 A+ Arizona Better Business Bureau reviews are two of the reasons to give us a call first to find out how we can help you. Our company is run by husband/wife team of Bruce and Stacy Horowitz, and with other professionals (such as contractors) utilized at our discretion. We act with the idea of putting the best foot forward for insurance negotiations.
After an insured loss, the insurance company pays for additional living expenses until the property is repaired to pre-loss condition.
Once settled into temporary residence, the couple decides to part ways. The Insurance Company is not obligated to pay for two temporary residences. Their responsibility is to provide a normal standard of living, which at the time of the loss was a joint home.
Insureds can choose to split existing payment between two homes. The insurance company has no obligation to pay on two residences.
AJR is proud to announce we have received our 20th 5 STAR Rating on Better Business Bureau Serving, Central, Northern & Western Arizona.
In 5 short years, AJR has established themselves as the premier public adjusting firm in the state. AJR is not a storm chaser adjuster. Our home state and loyalty are to Arizona. We pride ourselves in handling claims solely for the policyholder in Arizona. This enables Arizona Policyholders to take advantage of AJR’s expertise and 30+ year experience in the Public Adjusting Field.
Policyholders many times wonder when they are eligible to receive reimbursement above ACV in their claim?
ACV is the Actual Cash Value that is initially agreed upon in the claim. There is a holdback which is a known figure to the policyholder. Generally, the policy states this figure must be incurred. As explained in the attached White Paper, incurred begins when a contract is signed with a builder to repair the property.
Hence, holdback money should be released upon providing a valid contract with a licensed builder.
This is the scenario in the best of circumstances. As a note, even though this is the definition for this wording, many times Insurance Companies do not follow this thought process.
It is helpful to always know your rights and responsibilities.
Public Adjusters are licensed by the state and well versed in the area of claim recovery and can assist with this and other issues relating to your claim.
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.
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.
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