Tag: insurance policy

September started off with another 5 STAR Better Business Bureau Review for AJR Public Adjusters, Phoenix – Arizona

AJR is humbled when our clients choose to share their experiences with others regarding the service and success they had while working with us.

Ken K says, “…Bruce provided us with the assurance that he had control of the situation and constantly kept us informed throughout the process.” ” In the end, knowing that Bruce and Stacy were working for us was a great comfort. Their experience and expertise were evident throughout and greatly appreciated. Bruce continually advised us as to what our policy covered, and I believe we received a very fair and prompt settlement with the insurance company.”

Better Business Bureau of Arizona Reviews of AJR Public Adjusters

With your next insurance claim call AJR first.

Allow us to turn you into a satisfied client like Ken.

You can reach us at 602-795-5227.

AJR Public Adjusters Website

Leaky Roof Coverage, Tenant or Landlord? via Summit Business

April 6, 2015

QUESTION?

No Coverage for Leaky Roof

The tenant, who was insured under a 1989 Businessowners policy, suffered damage to business personal property due to a roof leak from wear, tear, and deterioration. The form states that we do not owe for this loss and would owe only for the ensuing damage if is a specified peril, but water from a roof leak is not a specified peril.

This means our insured, through no fault of his own, is penalized from coverage under his own policy. He can certainly file a liability claim against the landlord’s policy, but that can cause animosity.

Just wondered if you saw any other way to help our customer, other than pick a landlord who is accountable and maintains his building.

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ANSWER

There is nothing on the policy that would help the insured. The lease should indicate who is responsible for maintaining the roof, but whether it is the landlord or the tenant, there is no way to insure against wear and tear or poor maintenance. If the landlord is responsible, it becomes a liability claim or legal issue.

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