My child is at college — Is their personal property covered under my homeowners insurance policy?

It’s the time of year when children are off for college campuses.  Some children are not living in dorms this year.  Many times these apartments won’t hand over the keys until  proof is shown of  insurance on their personal belongings as well as liability.

Here is an article about this topic.

** Specifically take note **

If a child is over 21

there is no coverage under the parents policy at all. 

college students insuranceGood luck to all students headed back to college this fall.

How To Protect Your Home From Water Damage

Given our current Monsoon Season, here are some tips from the Insurance Information Institute regarding preventing water losses to your property.  Try to take precautions now to prevent water damage to your property.

Below is an example from a client of AJR who suffered water damage and a picture of the ominous looking clouds we are experiencing in the Valley right now.

Water damage is one of the most common and costly disasters affecting U.S. residences, accounting for billions of dollars in losses to homeowners and renters annually. However, consumers can protect themselves with the right amount and type of insurance coverage.

Source: How To Protect Your Home From Water Damage

Phoenix Hail Storm Court Settlement

Great news for Policyholders…
Insurance companies being held accountable and paying on the policies they issue for damages here in Phoenix from the freak hail storms 6 years ago.
Shouldn’t have to come to a lawsuit.  Public Adjusters can handle and settle claims without ever going to suit.   But great to have an Affiliate NAPIA member Merlin Law Group to handle in this way should the need arise.
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$3.2 Million Verdict in 2010 Freak Phoenix Hail Storm Lawsuit
Phoenix, AZ – Almost six years after a freak hail storm pounded cars, homes, and almost everything else in Phoenix, Arizona, The Travelers Indemnity Company will finally have to make good on at least one of the insurance policies it profited from prior to the October 5, 2010 storm.

In a verdict reached late yesterday, Lynwood and Villa del Sol apartment complexes, owned by Harvey Property Management Company, were awarded the full, court-ordered appraised value of the hail damage, totaling $3,229,766.18. Travelers had insisted in part that the hail damage was part of normal wear and tear of the building.

“These buildings got beat up in 2010, but unfortunately, that was only the start of the fight,” said winning lead plaintiff’s attorney Phillip Sanov of the Merlin Law Group. “We took this to trial not just for these two buildings, but to send a message to every other victim of this and other storm denials – when your insured property is damaged, you never have to take no as an answer.”

The freak hail storm caused more than $2.7 billion in property damage (cite).

“This was a freak hail storm, but for many Arizonans, the real shock was financial,” said Chip Merlin, founder of the Merlin Law Group and counsel for the Plaintiffs. “This victory will right a couple of wrongs, but it’s a good reminder for individuals and businesses to review their policies, and also not be afraid to reach out for help before or after a storm. The good guys can beat the insurance giants.”

 

Help, I locked my keys in my car !!

Have you ever stepped out of your car, hit the lock button, shut the door and realized the keys are inside? 

Many times this has happened and drivers are not aware of the fact that their car insurance may pay for the locksmith to come out to open the door for you.

Information via Summit Business Systems

Towing & Labor Costs

April 25, 2016

Our insured locked his keys in his car and had to have a locksmith open his door. Would the cost of the locksmith be covered under the towing and labor cost portion under the personal auto policy?

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Under the terms of the endorsement, the towing and labor costs are covered for attending to the disablement of the covered auto, and the labor costs are paid if the labor is performed at the place of disablement. If the car is disabled and it is fixed at that spot, the coverage is there. In this instance, the car was disabled and was fixed at that spot so the coverage exists.

Though AJR only handles property insurance claims, we wanted to share this information with you, as we know many of us have found ourselves in this situation.

With your next property insurance claim from fire,wind,water,theft,hail,monsoon, etc.  call AJR first.  We will help you report your claim and ensure you will receive all monies owed to you, while maximizing settlement $$.

AJR Public Adjusters 602-795-5227

Better Claim Results — AJR Public Adjusters

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

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

 

Homeowner Disaster Preparedness Binder by The Red Guide to Recovery

As part of any disaster preparedness kit, you will need a 3-ring binder with index tabs to hold important information. Creating a binder as a single source for locating important information when you need it will be invaluable during the recovery process. This binder should include the following:

Preparedness items to gather before a disaster:

Copy of insurance policies
Personal property inventory
List of home features & fixtures
Home floor plan
Important contacts-Emergency contact list Photos
Copies of receipts

Recovery items to collect after a disaster:

Correspondence from insurance adjusters Estimates
Contracts and change orders
Building permits

Contractor correspondence Construction details Business cards

Hint: Consider creating one binder for insurance related matters, and another binder for construction when rebuilding your home.