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Insurance questions

3310 Views 12 Replies 7 Participants Last post by  FerrisHI
Hey guys, I'm usually in the Marketing and Business pages and am an Exteriors Remodeler but don't do a lot of storm/insurance work. We had an epic hail storm in my town and am flooded with work.

I have some questions in regards to adjusters, sales comp plans for storm leads, etc.

This stuff it out of my realm in that I mostly retail work.

Is this a good place to post or should I swing back to the business page? I figured you guys deal with adjusters and exactimate more than anyone.
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hOLy crap! um....
Question #10 - In what circumstances do the adjusters typically give out O & P?

The rule of thumb is 3 or more trades, however it can be done based on the complexity of the job. Also some ins companies dont pay o and p. its really a case by case bases and depends on the adjuster and how hard you fight him. theres a chain of command and a process you follow.. 1 start with the adjuster 2 go above his head 3 look for a thread called "NEWBIES LEARN YOU A LIL SOMETHING" and download the file i posted on o and p.. that usually gets results

Question #9 - One home had lead paint. I told him the labor is higher because of the process of following the ERA guidelines. He said they don't pay for lead.

***** and complain, file a supplement with your cost and if they pay it great, if not, move on. or follow the process listed above, but ya win some ya lose some, its all a wash at the end of the day if youre making a million a year.

Question #8 - I live quite a ways from our metro area where I do most my work. The installers typically charge a little more for working out here because of the time and expense of coming out this way which in justifiable. Will the adjuster "adjust" for that? I jus thought of it and haven't asked.

hahahahahahahahahahahahahahahah yeah... NO

Question #6 - Someone suggested I hire an independent adjuster to go out, make a Scope of Loss, talk with the adjuster, and handle the Supplements. That way I can focus on production. Thoughts? How much do they get paid? I feel like it's just another thing added to a low margin scenario...
UNnecessary, however in your situation, sure. but still unnecessary, youll figure it out soon enough... making mistakes, losing money, it all forces you to learn. start by reading the customers insurance policy.. that usually tells you what is covered and what is not. ps on the lead paint, that might fall under code upgrade, if the customer has code upgrade, the ins co hAs to pay to bring the roof up to code.

Question #4 - Every Scope of Loss is missing something. Do I get an accurate one before proceeding? Someone mentioned just turning in a supplement. Is that before or after? How do i invoice? Where does it go?

this is why you should meet the adjuster on the roof. settle differences asap, yes get a correct scope first or chance not getting paid. you invoice the ins co by copying their scope EXACTLY and sending it back to them. send it to the claims address... email fax or mail. if your scope differs its a good idea to run it past the adjuster first before you begin. A supplemental is for unforeseen damage, you'll need to take a picture of the HOUSE FROM THE STREET WITH THE ADDRESS VISIBLE then the area of concern, the more pics the better. take all the guess work out of it for them. I take a pic of the house, the slope, zoom zoom zoom... call the adjuster, email him the pics, file a supplemental invoice with pics attached to the claims address.

Question #2 - I've noticed on the Scope of Loss every single adjuster is different...even for the same agency. One accounts for drip edge, starter, and hip and ridge but nothing for waste. One guy accounts for waste and says the aforementioned is included in the waste calculation. My thinking is all of those items should be on there.....Who is right?
depends. but if you dont know id say, probably not you. sorry that was rude.. i mean, if you dont know what the policy covers or whats damaged.... and the adjuster didnt cover something....???

adjusters are people, they make mistakes too. dont tell them that but....just know it. some houses need new drip edge some houses dont, some need decking some dont, outside adjusters pay for things that inside adjusters wont... theres a little dr seuss for ya...

Question #1. What do you guys pay your sales guys on those? My sales guys typically get 10% of Par and split anything over. After looking at the Scope of Loss it seems my margins are going to be a lot less. Example they are paying way less per square of siding than I typically get. That 10% might sting a little.
i think youre crew is giving you some pinche verga grande en su culo. lol.. I dont know how other people do it but around here we divi up the profit on the job.. and theres usually plenty of it. you can always tell the homeowner that the insurance wont cover something and tell them they will need to cover the extra..

hope that helps... thats all i have in me to answer right now... ps, where is it ya'd say you were workin?
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