Tag: wind damage

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