MAY 25, 2008 show
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Topics
The role of the claims adjuster
Auto, home and commercial liability claims - how the claim process works
Understanding water damage and mold claims
Your rights during the claim process
Some off the wall claim stories (interesting dinner table conversation or water cooler conversation)
Insurance In The News
"Insurance Goes Green"
Insurance trivia:
Am I Covered:
Have a question or a comment.
Have a question or a comment. Call the show. 480-949-1310
Special Guest
Joe Hendren, GA
Independent Claims Adjuster
480-563-3838
www.americlaim.com
WHO?
Founded in April 1993, AmeriClaim began with a dream to be the best independent insurance company in Colorado. Today, we continue our dream as we strive to be distinctly superior to our competitors while keeping our feet firmly planted on the cornerstones of: Integrity, Honesty, Reliability and Ingenuity. AmeriClaim was founded and remains a family operated business. We believe in treating people fairly and honestly - the way we want to be treated. We believe that our work product must be of value to our clients if we want our clients to value our service. With over 100 offices across the country and a reputation for excellence in quality service, AmeriClaim may not be the biggest independents in the business, but we are the finest
WHAT?
To establish AmeriClaim as a leading independent adjusting service on a national level. To build, maintain, and enhance a national network of professional and experienced insurance adjusters dedicated to delivering superior service; that is ready, willing and able to produce a high quality work product that is valued by our clients. We endeavor to provide a comprehensive, consistent and valued service to our clients that represents the highest standards in our profession. We do not seek to be the largest independent adjusting company, but we do seek to be the best! Through the establishment of, and adherence to, high standards of performance, AmeriClaim will excel in service, reliability, quality and customer satisfaction. Our greatest asset is our people! We shall always seek to hire and retain the best and the brightest available today; individuals who are dedicated to their careers and this profession and who have proven themselves over the tests of time. AmeriClaim shall provide our clients with a service team that has one of the highest experience ratios in the profession. We seek to use experience as a critical means of separating AmeriClaim from the competition.
WHO?
Joe Hendren has 25 years total claims experience.
He began his career with Cameron Mutual Insurance, held a Management Position with Allstate/Northbrook for fifteen years, and spent three years with the Brookfield City Police.
Professional Designations/Certifications: GA
He is presently the Branch Owner of AmeriClaim of Phoenix, Arizona and serves the following Insurance lines:
| | - Automobile Liability
- Commercial Liability
- Commercial Property
- Construction Defect
- Homeowners
| - Inland Marine
- Products Liability
- Professional Liability
- Transportation
| |
WHO?
AmeriClaim of Phoenix, Arizona
Proudly Serving the Areas of: Dateland, Glendale, Florence, Holbrook and Phoenix
11259 E Via Linda, #100926 Scottsdale, Arizona 85259
Email: phoenix@americlaim.com AmeriClaim of Phoenix, AZ
Phone: 480-563-3838 Fax: 480-563-3939
The Insurance Term of the Week
To help you build your insurance vocabulary and be a more informed insurance consumer
A peril is a condition which can cause a loss and a covered peril is a condition that can cause a loss and would be covered on your insurance policy.
Some examples of covered perils would be: fire, vandalism or theft, to either your vehicle or your home. There are other covered perils in your insurance policy. It is a good idea to become familiar with them because they explain what types of losses you would be covered for.
Larry's Tip of the Week:
From the, Arizona Department of Insurance PRESS RELEASE April 25, 2008
It’s Wildfire Awareness Week! Is your insurance coverage up to date?
Disaster preparedness is important all year long, but planning for disaster recovery is equally important, and adequate insurance protection is critical to any disaster recovery process. Is your insurance ready? With wildfire season rapidly approaching once again, it’s time to make sure your insurance coverage is adequate.
Get an Insurance Check Up Make an appointment with your insurance representative to review your insurance coverage. Do you have the right amount of insurance? A national leader in residential property valuation services, Marshall Swift/Boeckh (MSB), estimates that 66% of U.S. homes are underinsured by an average of 18%.1 “It is imperative that home and business owners periodically review their insurance policies to ensure they have sufficient coverage,” said Christina Urias, Director of the Arizona Department of Insurance (ADOI).
To help you with that process, ADOI has a List of Replacement Cost Calculators and a Homeowners’ Insurance Check Up Checklist. Visit the ADOI website www.id.state.az.us or call (602) 364-2499,or (800) 325-2548 to request copies.
Do you have the right type of insurance? For instance, flood damage is not covered under a homeowners’ insurance policy, and homeowners’ insurance typically does not cover business-related equipment. If you operate a business in your home, or if you need flood coverage, you might need to purchase additional insurance.
Defend your space: YOU can help protect your home from wildfire! Learn how to clear a “defensible area” by reducing shrubs and vegetation around the perimeter of your property. Include fire prevention considerations in your landscaping and maintenance plans, especially if you live in an urban area adjacent to wild land, mountain preserve and desert property.
Marshall & Swift / Boeckh, www.msbinfo.com
Visit www.floodsmart.gov for information on Flood Insurance
PRESS RELEASE Department of Insurance State of Arizona Office of the Director
Telephone: (602) 364-3471 Facsimile: (602) 364-3470 www.id.state.az.us
JANET NAPOLITANO 2910 North 44th Street, Suite 210 Phoenix, Arizona 85018-7256
Director of Insurance, Christina Urias
For more fire prevention tips visit www.azsf.az.gov, www.az211.gov, and www.firewise.org.
Inventory your property Don’t procrastinate! Take the time to inventory your personal or business property now, so that in the event of a loss, you can easily and quickly report damaged or destroyed property. Document the exterior and interior of your property and its contents with photographs or a home video tour and store the photos/video in a safe place, away from your home or business. An inventory of your personal belongings can also help determine the level of coverage you need and will greatly facilitate claim settlement in the event of a loss. Visit www.iii.org for a free home inventory tool.
Practice your evacuation plan (check your smoke detectors and dryer vent hoses!)
Take a few minutes to review and rehearse your evacuation plan. Check the batteries in your smoke detectors and clean out your dryer vent hose. These quick and easy preventative steps can save lives
Fire Preparedness Resources
For insurance preparedness tips contact:
Arizona Department of Insurance – www.id.state.az.us
Home Replacement Cost Calculators – www.id.state.az.us
Arizona Insurance Council – www.azinsurance.org
Insurance Information Institute – www.iii.org
Flood Insurance – www.floodsmart.gov
Independent Insurance Agent & Brokers of America – www.iiaba.org
For prevention and preparedness tips contact:
Arizona Forestry Service – www.azstatefire.org
Arizona 211 – www.az211.gov
Institute for Business and Home Safety – www.ibhs.org
Firewise Communities – www.firewise.org
Arizona Red Cross – www.arizonaredcross.org