Another 5 STAR Better Business Bureau Review

AJR is honored to receive another 5 STAR Better Business Bureau Review. We feel fortunate when clients can locate us and put us to work as their advocate. 

As LG says,On my own, I was offered $2,000 to complete the repairs (which was honestly insulting and almost bordered on criminal) but when AJR stepped in, they were able to increase the final settlement amount of my claim from $2,000 to $162,000. Yes, you read that, right!”

Better Business Bureau Review

To secure an 8,000% increase doesn’t happen every day, but we work our hardest to ensure we represent our clients with the utmost professionalism and tenacity.

With your next insurance claim call AJR first.  Let us review your situation and let you know how we might help.

 

AJR Public Adjusters — 602-795-5227 

info@betterclaimresults.comAJR LOGO

 

Fire in Vacation Home, BBB A+ Review

Appreciating our valued clients who choose to share their experiences about working with AJR, here is another A+, Better Business Bureau Review.

Thank you to our valued clients — Margi & Wayne Cook for your very kind words.

HERE

 

AJR Public Adjusters — 602-795-5227

“Sistering” a joice and the repair of a home via Summit Business Systems

“Sistering” and the Repair of a Home

Many times we have heard about adjusters telling policyholders they plan to “sister” a joice to repair a damaged property.  This means they are leaving a charred piece and prop it up with a new piece of framing.  The example below illustrates why this is not an acceptable answer to a damaged frame for a property.

Q

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.

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

 

 

 

 

“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

How can a Public Adjuster Help ME with my next property insurance claim, and when should I CALL?

It’s best for people to engage with us when the property loss occurs.  Claims occurring from fire, wind, water, theft, hail etc.  We help them report the claim and take care of all the necessary duties according to the contract from there.

A few ways to think about it is, if you are called to the IRS for an audit you would take an accountant with you to represent your interests. Why deal with a professional insurance adjuster without your own professional licensed adjuster to represent you and your interests.

The reason its best to engage us at the very beginning of the process is as in other situations, “anything you say can and will be used against you”.  To prevent any problems like this from occurring, its best to engage us at the beginning.  I think this answers your question about “should I wait until a problem occurs”.

Additionally part of our job is to maximize the recovery from the insurance company.  To leave no stone unturned and peruse policy to make sure policyholders are claiming all  coverages that they have paid for that apply to each particular claim.

Our 28 + successful years of experience handling claims into the millions of dollars ensure thorough and complete handling of each claim.

We are paid a small percentage of the settlement, no higher than 10%.  AND as the claims get higher the percentage can go down and is negotiable.  (a $1,000,000 claim, we would not be taking 10%).  The insured pays our fee not the insurance company (though it comes out of the proceeds).  The knowledge we have of policies and the gain the insured receives helps cover this cost and provides additional monies.

People/Companies don’t generally know what’s in their policy or understand them, therefore don’t realize what they are entitled to.  This is where our knowledge and experience assist.  Additionally, when property claims occur, it is an extremely stressful situation. Adding to this stress is dealing with the insurance company and their adjusters, since they want to pay out as little as possible for claims.  Why handle this stress on your own, and try to navigate policies and professional adjusters.  We have been there done that and know how to do it the quickest best way to maximize the return.

www.betterclaimresults.com

AJR Public Adjusters 602-795-5227

AJR Highlights: REASONS TO CALL US FIRST WITH YOUR NEXT PROPERTY INSURANCE CLAIM

Highlights about AJR for you to reference should the need arise with your next insurance claim

FIRE, WIND WATER, THEFT, HAIL ETC

(602-795-5227)

www.betterclaimresults.com

  • When an insurance claim (fire, water, wind, theft, hail etc. ) occurs its best to call AJR first.
  • We will help you report your claim.
  • We will immediately come out to assess initial damage.
  • We will bring experts or utilize your experts to estimate property damage.
  • We will take inventory of all contents damaged.
  • We will price cost for replacement of contents items.
  • We will negotiate on your behalf to maximize settlement with your insurance company.
  • Ensuring you have taken advantage of and exhausted all clauses in your insurance policy.

With AJR you get:

  1. State licensed Public Insurance Adjuster with over 28 years experience
  2. An adjuster whose experience includes handling claims into the millions
  3. An adjuster who has handled previously but not limited to residential, business, apartment buildings, Condos, HOA’s claims
  4. Personal Attentive Service from Business Owners not employees.
  5. Ongoing Communication and updates regarding your claim as new information becomes available
  6. A company that does everything in our power to help settle your claim as quickly as possible

Any questions at any time please contact us at

602-730-8555 (OFFICE)

480-519-9099 (BRUCE CELL)              bruce@ajrpa.com

480-519-9199 (STACY CELL)               stacy@ajrpa.com

www.betterclaimresults.com