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?

arizona monsoon sunsetdreamstime_l_50196179

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

AJR Logo smaller picture

 

Denial of Coverage due to misrepresentation

Many times we are asked the question, What if I forgot to mention something in my application?

According to our research via FC&S, The National Underwriter Company, the application is the standard by which the policy was written.  If you do not disclose completely your situation, this is cause for voiding the policy, and gives the insurance company an out to pay for a loss.

Remember the obligation is on the potential policyholder to disclose all information.  If it is discovered you misled the insurance company, that policy is null and void.  Lesson learned, disclose any and all information when applying for property insurance.

Read Below analysis from the leading investigative agency in the industry, FC&S.

screen-shot-2017-01-19-at-1-39-43-pm-2Any questions always remember you can call AJR, 602-795-5227.

http://www.betterclaimresults.com

 

Another 5 STAR Review via YELP for AJR PUBLIC ADJUSTERS

Read what our clients are saying on YELP.

The next time you find yourself with an insurance claim, Call AJR first.  We will help you report your claim.  Our involvement ensures you will receive all that you are entitled to in your policy while we maximize your claim $.

Why settle for anything but THE BEST?

Call Arizona’s Best Public Insurance Adjuster with your next claim.  602-795-5227

Fire Prevention // Dryer Safety

We do laundry all the time.  Did you know one of the most important things you can do to prevent fires is maintenance of your dryer.  Many simple steps can be taken to prevent fires from your clothes dryer.

Take a look here:

Clothes Dryer Safety Tips

 

Should you ever find yourself in a situation with a damaged property due to fire from any source, call AJR Public Adjusters to represent your interests with the insurance company.  AJR knows policies inside and out and is able to maximize your recovery from the insurance carrier.  Call us at 602-795-5227

http://www.betterclaimresults.com

Cooking Safety Tips to Prevent Next Fire

Please see the attached file with some good cooking safety tips.  Always keep this information in mind.  If you experience a fire, immediately contact AJR Public Adjusters to represent your interests with the insurance company to ensure you receive the maximum recovery for your claim.

602-795-5227.

http://www.betterclaimresults.com

Cooking Safety to Prevent Fires

 

 

Additional Living Expense for PETS via Summit Business Systems

ALE for Pets

April 9, 2013

When a loss causes a home to be uninhabitable for a period of time, would we owe to board the insured dogs under an H03 policy? Animals are excluded under coverage C, and the ALE says we pay any increases in living expenses you incur so that your household can maintain its normal living standard. It does not appear this would be covered under ALE. If it were covered, it would seem more of a coverage C claim, like when property is stored while repairs are made (animals are property). But again, they are excluded under coverage C.

Arizona Subscriber

The animals are not damaged in the loss; therefore they are not a coverage C item. The insured’s standard of living includes living with pets; if you cannot relocate the insured into a location that allows the insured to bring his pets, then you need to board the pets where the insured would board them if he left home. ALE is very broad coverage, and the insured’s standard of living includes many things including food, drinks, pets, access to swimming pools, etc.

“Sistering” and the Repair of a Home via Summit Business Systems

Q

“Sistering” and the Repair of a Home

We are a public adjusting firm. Our client’s home is insured on an independently filed HO 00 03 05 01.

A recent fire did much damage to the home. Part of that damage was the charring of the framing. Instead of replacing the charred framing members, the insurer wants to use a technique called “sistering.” This technique involves leaving the charred piece in place and installing a new piece next to it. The adjuster says that sistering is an acceptable means of repair and refuses to actually replace the damaged framing.

We have enclosed a copy of the policy for your perusal.

California Subscriber A

The policy you sent is worded differently from the ISO policy. The ISO homeowners policy promises to replace damaged building property with “material of like kind and quality and for like use.” It makes no mention of how this is to be done. It does not place any limitations on construction methods to be used. The ISO policy would pay to replace the charred timbers with new ones.

On the other hand, your client’s policy says that it will repair or replace the damaged property “with construction techniques and materials commonly used by the building trades in standard new construction.”

“Sistering,” as we understand it, means that the damaged frame is propped up by the timber fastened next to it. The adjuster may be correct in that this technique is an accepted means of structure repair—repair of an existing structure. However, the policy calls for the use of “common construction techniques and materials used by the building trades in standard new construction.” By definition, sistering could not be a technique used in new construction.

The wording of the policy has committed the insurer to replacing the frame members with new pieces.

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting or other professional service. If legal advice is required, the services of a competent professional person should be sought.

Privacy Policy Contact Us Copyright © 2015, Summit Professional Networks