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

 

Another month listed as BEST Phoenix Public Adjuster on YELP

AJR takes our clients and responsibilities very seriously.  We know when your property has suffered an insurance claim, you want to know that you will be made whole. (put back to how your property looked prior to the loss).  Whether it be from fire, wind, hail, monsoon, AJR’s job is to handle your claim in the most professional manner while alleviating stress on your shoulders.  We know you have things to take care of, let us use our 30+ years experience to settle the claim in a timely manner.

It is nice to be recognized again by YELP as the #1 Public Adjuster in Phoenix.  To see more information about AJR and how our rankings are #1, look at our BBB A+ Reviews.

With your next insurance property loss give us a call FIRST.  Consultation is FREE.

AJR Public Adjusters — 602-795-5227 — www.betterclaimresults.com 

Another 5 ***** Better Business Bureau Review

AJR appreciates clients who offer to share their experience with others.  To be spoken about in reference to a comment from a CEO of a billion $ business is humbling.  With AJR you do get qualified professionals who care about your claim like it is their own.  Read Peter H BBB Comments 

“With AJR and Stacy & Bruce you are getting the qualified professionals, but most importantly these are nice people who care about their clients.”

AJR is committed to providing representation which will provide peace of mind to the policyholder, knowing their claim is being handled in the most professional way possible.  It is always your claim, you have the final say, but we do handle it like it is our own, ensuring maximum recovery, while reducing your stress.

Give us a call with your next claim and let us explain how we can help get the ball rolling and moving in the right direction towards a successful recovery.

AJR Website  602-795-5227

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

When I have damage to my Roof, is Subsequent Interior Damage Covered?

Many times you may wonder how you are covered for a loss if you don’t discover damages for many months after an incident occurs.  Noting that normal wear and tear are not covered, here is an example of a covered loss due to an incident, but realized many months after occurrence.

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A few months ago, following a downpour, an insured noticed some wet patches on the ceiling and high up on the walls. When he called in a roofer, the roofer said that the roof had been damaged in a severe hailstorm that occurred about a year previously. 

We turned the claim in to the insurer, who denied the loss, saying that too much time had elapsed between the hailstorm and the resulting water damage. 

Is this denial correct?

Indiana Subscriber

There is no requirement in the HO 00 03 that the cause of loss and the resulting effect follow each other within minutes, days, or even months. It is difficult to recognize that a covered cause of loss has occurred unless the physical signs of that cause manifest themselves. So, until the insured noticed the wet patches, he had no idea there was a possible covered loss.

The HO 00 03 excludes losses caused by wear and tear, marring, and deterioration. That is because these are things that will happen over time, and so are uninsurable. However, the policy adds that “any ensuing loss to property described in Coverages A and B not excluded or excepted in this policy is covered.” In other words, had the roof simply worn out, the ensuing loss—water damage to the interior—would be covered because it is not excluded. But in this instance, the roof did not wear out. An event specific as to time and place—the verifiable hailstorm—caused the damage to the roof. 

Therefore, both the loss to the roof and the water damage to the ceiling and walls are covered.

Information supplied from Summit Business Systems.

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

 

 

 

 

Hidden or Not Hidden Mold In Structure via Summit Business Systems

Hidden or Not Hidden Mold

The HO3 2000, (ISO), covers mold if it is hidden within the walls, or ceiling, or beneath the floors or above the ceiling of a structure if such loss results from the accidental discharge or overflow of water or steam from within (a) A plumbing, heating, …

My question is if a cabinet under a sink could possibly be interpreted as hidden within a wall. I don’t see how, but I could possibly be told this is a hidden area and it is covered. If we go with the strict wording of the policy it is not hidden within a wall, just within a cabinet under the sink.

Florida Subscriber

The policy doesn’t define hidden, and court tradition is to refer to a standard dictionary. Merriam Webster Online defines hidden as being out of sight and not readily apparent. A wall is defined as one of the sides of a room or building connecting floor and ceiling or foundation and roof. A cabinet is a case or cupboard usually having doors and shelves.

Unless the insured has some odd arrangement, most cabinets under the sink open. While the insured may not regularly look for mold, if the insured can open a cabinet it’s not a stretch to expect him to pay attention to the condition of the area. A cabinet is not a wall, and the exception is only for damage behind walls or ceilings – not cabinets, closets, or other such structures. A wall can’t be opened to store dishwasher detergent or disinfectant in.

Most references in Couch on Insurance refer to hidden decay regarding collapse, which gets into different territory. I was unable to find a similar case to what you have – the closest one had different policy language that changes the argument. In our opinion it’s not hidden behind a wall if it’s in a cabinet – the two are different structures, and the policy exception is clearly only for mold behind ceilings and walls, not cabinets.

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.

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