Holy Cow, this gets deeper and deeper. He has the nerve to say " roofers and other companies don't get o&P without 3 trades" you know who that's sounds like? I get o&P on nearly every single job, regardless. His reasoning for saying that the trades people aren't owed it is solely because he uses that money for his fee so that he appears to cost nothing. He's intentionally frauding contactors AND Carriers! Just when I thought it couldn't get any worse for him....
Roofing Insights this entire video is mind blowing. I understand what’s he’s trying to say and technically claims “can” go his method. But his claim that all claims have to go that way is silly. I have sooooo many files that we do that are just paid in full no problem. No need for a PA at all. Additionally, we use XA also, My contract doesn’t need to be a proceeds contract, because I’ll have each and every line item anyway and it will all work out the same price regardless as the claim. He’s looking for ways to get into the job before anyone else and fluff the price way up, and then pay discount prices to get things done to end up with surplus. If he’s negotiating that o&p is owed then it’s owed. Then to go back and claim the contractor doesn’t need it is crazy. Fraud. Fraud. Fraud.
Roofing Insights the way he behaves in this video is really telling what kind of person or business man he really is. You remained calm, professional and even let him walk all over you and even scream at you. His behavior alone on this shows everything. Period.
@@RoofingInsights3.0 Thats not what i said. If your estimate to do the roof includes your overhead and profit and I get the insurance company pays O&P on top of what you need, that is the home owners money and essentially covers my fee. You can't double dip. To add we improve on many line items, not just that 1.
@@insuranceclaimguy Overhead and Profit should never cover PA fees or to go to the home owner! Be transparent. O/P designed to go contractor, written to go to contractor, you just finding loopholes to get paid. PAs get paid on value they bring, not to steal profit from contractor. And its definitely doesn't go to home owner, insurance claims are not lottery tickets to the home owners!!!
I’ve been a carrier adjuster for 18 years and I’m just at a loss with this PA. SOMEHOW someone found this guy and it has made for great entertainment. Dmitry had fun with this guy. Great video. Solid gold.
Insights: 00:00 Intro 01:00 How long have you been in the industry? 01:40 Why are your ratings so bad? 04:30 How would you describe the scope of work of PAs; What's your fee? 06:40 What's the percentage of claims underpaid/overpaid? 10:00 WHat's the going rate? 13:00 Roofers dealing with insurance claims 20:00 Why does the homeowner need you? 23:30 What happens to the remaining money? 25:30 What makes you a good PA? 31:20 Who is greedy? 43:09 How does the roof cash value equal the same as 5 years ago? 47:00 Is cutting out contractors the way to go? 52:40 How are you not a fraud? 54:20 The homeowner does not need a PA as a middle man 01:02:30 If someone has a conflict, do we need to add lawyers? 01:05:30 What if I know the insurance company prices? 01:06:50 Why does the homeowner need more money? 01:14:30 Advice to the adjuster
Why do you have to word questions in a demeaning and argumentative fashion “ why are your ratings so bad”? That s like asking you why your English and grammar is so bad.
@@Hammeredveracity ever hear of slanted questions where interviewer is using information he does not have firsthand knowledge of. Why wasn’t t PA in question interviewed before the first video is made? Comments were made about every house in the neighborhood was different without stepping foot or seeing pictures of neighborhood.
I’ve been both a roofer, carrier adjuster and a public adjuster. I would really like someone who is better equipped to make the argument. He really doesn’t understand his job. Demetrius is wrong in a lot things too. I’d really like to come on the show and have an intelligent conversation about the role of a PA and contractor in this process.
At the end of the day, we need PA's to be allies not enemies. He has completely given us the impression that if we recommend him as a PA that we the contractor would get screwed. We already have ALL the risk as it is. We don't need a PA to add too this. Anthony needs to make it right with contractors before he puts Metro under 🤷🏼♂️
Hire a good PA, one who works with the policy holder and contractor. Every successful PA I know works WITH contractors, to help the outcome for all parties, not trying to undercut people. AND most good PA get a large volume of work from contractors trying to help policy holders.
All I ask is that you bid on the work. How is that 'screwing' the contractor. In fact, there is typically more money for repairs with me involved than without, even after my fee. Contractor doesn't have to deal with insurance. Sounds like a win win, unless of course your prices are not competitive.
@@caseycazier4479 yeah, I don’t know how PAs. survive any other way. All the successful ones run claims for either 1 large company or a few smaller ones and have a steady work flow and if anything, are helping the contractor the most
Unfortunately, like every profession, there is good and bad. This public adjuster is not reflective of all public adjusters. Failed to show value in what good public adjusters do and how valuable they can be. The keyword is "GOOD"
Neighbor likely has other collateral damage to take care of, siding etc. This guy just laid out paying a roofer $273 per square as "market rate." This guy also thinks we can just inflate the cost without justified items.
I’m a fairly new adjuster. I started to follow dmitry and on every claim I adjust. I always ask my self if I am being transparent enough to meet Roofing Insights requirements. He has a good balance view on both side of the coin. For this reason I feel the customer are able see my integrity.
Saying he will not work with the contractor is a huge mistake. The public adjuster we used had no problem working with our contractor. In fact, it was our contractor who hooked them up with us. Everyone involved should all work together, period.
Oddly enough, I can agree with certain arguments Anthony makes. If he could reduce my level of work and increase my average claim payout then why wouldn't I hire him? In fact, thats why we did hire him. But unfortunately that's not how it turned out. We lost out on so much profit because of. Personally, I am for public adjusters that can operate openly with a contractor. At the end of the day, policy is king. An excellent combo team of PA and contractor can do wonders. If only his results for us were as good as he speaks.
@@insuranceclaimguy You were brought in at the infant stages and knew what you were getting into. And don't forget there were others on the same street who didn't trust you. If I screwed up within the infant stages then why did all those who didn't trust you would up with so much more? Your excuse is a joke at best. What about Scott who didn't even know he wasn't negotiating with the insurance adjuster? And what of the two of you and Doreen promising the absolute world to each person you spoke to. Claiming XYZ would be covered without a doubt. OLD DAMAGES being claimed as new by you and the other two. Your position may allow you the ability to do good, but after fcking up half a million worth of claims there's no way you can be trusted.
@@jonathanwhitcombe9466 We didnt go through with any of your claims because we caught on to what you were doing and didnt want any part. Your clients didnt trust you to let us do our job.
@@insuranceclaimguy Stop lying Anthony. No matter what you say, those who didn't choose you won. Those who didn't choose you wound up with significantly more. Those who did choose you were let down immensely. We still have the evidence to prove it. We didn't hire you to save the day. Those claims were easy enough as it is. There was nothing to save. They were all on the same road except for the church and were all basic claims that we've done over and over again with astounding results. Each of those claims were at the exact same stage too. We hired you to release burden and to get a proper settlement - which you and your team failed at doing. Especially the church. So, what was I doing exactly, Anthony, that you didn't want to be a part of? What new Intel did you pick up after our lunch that shook you? I let you speak to my clients at the infant stages. You knew EXACTLY what was going on for each of those claims before you walked in their doors promising the world and signing those documents. So what was so fcked up that you, an extremely skilled PA, couldn't get a dime more when those who didn't trust you on the same street at the same point in the claim process with the exact same situations wound up with so much more? The documents and timeline will show they were Filed, Inspected, and First insurance estimate given. That's it. Which, again, you knew 🤣. No denials, no engineer problems, nada. Simple and basic. Any PA worth a damn would have been a pig in mud with what was provided. It was a mistake to ever trust you. Also, if they didn't trust me then why did we still do their roof? Why did they allow me and the people I trusted before you to save them from the mess you got them in🤣 If they didn't trust me they wouldn't have hired you. Stop lying Anthony and just admit that you and those you trust failed.
I’m a property adjuster and the advice he is providing is borderline fraud. I discuss scope and price with contractors all the time. PA’s complicate the process more than they help. The advice I give to all contractors; if you can help me document what is being asked for and it’s legit, it’ll get paid. Trust me, it much easier when we can pay for something rather than argue.
You don't need a licensed roofer if your roof is in good condition and you are in no need of a roof replacement. Similarly if your claim was properly adjusted you don't need a licensed public adjuster. I say this as someone very pro PA when they are needed. Also a homeowners interest and a roofers interest are aligned when it comes to scope.
The problem is, most people think they know more than they do about roofing because they watched a google video and can hold a hammer. Plus, the number of carriers who ACTUALLY properly adjust a claim? Yeah those are the extreme outliers
Just about every insurance estimate I have worked, the 2nd page of the document Clearly states and recommends to share their estimate with the contractor or company hired to make repairs before beginning the repairs to make sure the contractor agrees with the scope of work. So why would a PA suggest to ignore this? Sounds crooked to me. I am also confused how a PA can say the claim is under paid and then say the work should cost less, this makes no sense to me.
Fast talking scam artist. Imagine how many homeowners he has convinced of this nonsense. Also he seems to be super unsure about exactly what he is saying, I’m a contractor and I could answer most of those questions with way more confidence than him
Hmmm...what if the public adjuster gets the homeowner 20,000 for an insurance claim, and then afterwards hires a roofer for 15,000? Did the public adjuster do a good job, or did the roofer get ripped off. Personally I feel like insurance is a business dealing. And if a homeowner is paid any amount of money it is there business and no one else's. I'm sure it happens where the claim is underpaid and the homeowner has out of pocket expenses because of the policy they chose.
Good quality video for all three parties (PA's, Contractors & Homeowners) Definitely do not need a PA on every single Homeowners Claim. Does help to get one if not paid what you are owed obviously at the end of the day. No harm in hiring a PA from the very beginning as it just increases your chances of getting things done right from start. Roofers/Contractors are the ones actually doing the repairs/scope of work so no matter what they are NEEDED! At the end of the day hiring honest people is really what gets things done and making sure their clients are satisfied. This is coming from a Chicago Contractor that is licensed for both PA & Roofing :)
This should be a message to new contractors and to those undercutting too much. This PA is using those contractors to say those contractors are the going rate and everyone else is too high. This is how you screw up the market and then you have to triple your jobs to make the same amount.
I agree with the public adjuster as these insurance companies cut corners and try to pay as less as possible and the policy holder should have more options on who to hire in any circumstances you definitely need an a public adjuster if you have a fire or water damage also.
I keep a PA on call. It delays the process. But I have also added third party supplement companies that are operated by Public Adjusters. The insurance carrier is not our friend. 😮 I recommend a PA even with approved claims
Anthony Scherier sales pitch: - Hear me out: here is my value proposition: - listening - you get cheapest bids from roofers, I get you overhead and profit, and we split it, I get 10% overhead for my fees, you get 10% from roof replacement profit, I cover tracks with State Farm , I have public adjusters license, deal? - is it legal? - It’s only illegal if you get caught!
Watching this video (half way through) and all I can say, you are a much better man than I! I’m only 48 minutes into the video and you never dropped the F-Bomb… but if it makes you feel any better, I have yelled at the TV, “Shut the fuck up and let him speak” to the adjuster dozens of times. I am looking to get my roof done and love your no BS non-bias hard questions you ask on all of your videos (started watching 3 weeks ago)! You have educated me more than you will ever know when it come to roofers, insurance companies and… ADJUSTERS. I’m not the smartest guy in the room, but I know what bullshit smells like. Your videos have truly enhanced my sense of smell! Thank you so much!!
He was right about a couple things but I think he was nervous and explained it differently than what he wanted. I feel to ask for needed material but I still don't believe they should see scope and just like the policy. Would be so much easier if we could just give estimate and job done.
Fact#1 Only a Public Adjuster or an Attorney can negotiate coverage and speak policy (most states). If a roofer / contractor does, it would be in violation of a state statute. Fact #2 A contractor is dealing with an insurance company on the basis of the rebuilding portion. What about A. Personal Contents B. Additional Living Expenses C. Appraisals D. Liability E. Subrogation... if a contractor attempts to speak on any of these issues, they again would be in violation of a state statute that prohibits them to do so. Both a Public Adjuster and Contractors should be working together and both should have the interest of the customer. Sounds like both of these guys only want to dominate their will over the other. Shame on you both for not working together! I will say that this PA sounds like a used car salesman. You can't say all PA's are bad because this guy is bad. Just in the same way I can't point to a bad contractor and say all contractors are bad.
FACT: 95% of claims are opened and closed with the customer using only a restoration contractor. 4% a PA is used. 1% a lawyer is used. Anthony just wants more work. Can’t blame him. But he’s not a good representative for his profession.
@@insuranceclaimguy Anthony, you have been brainwashed so bad, you no longer give good advice. Metro is the equivalent of a Slicked Back Used Car Salesman on the Insurance world. I used to work for metro for a very brief time and I left because most had the mentality of "If you're not using us, you're getting screwed" There are tons of PA's that are better and more fair than Metro and they have no issue working with Contractors like myself. As for your comment that "Any Contractor assisting in the claims process is illegally acting as a PA" you are dead wrong. In almost all states, to be classified as acting as a PA 2 requirements must be met..... First, you must be assisting in the claims process. This can be reviewing a policy, negotiating on behalf of the insured ect. Second, you must be compensated for the service above. This is not a 1 or the other.....BOTH criteria MUST be met for you to be sanctioned for UPPL. If I assist but don't get compensated for that service, I cannot be sanctioned for UPPL. Honestly, you sound childish when trying to force your opinion that EVERYONE needs to use Metro so solve their claim.
GCO&P... "General Contractor Overhead & Profit" This PA is valid in the aspect of "Negotiating policy literature/coverage..." Most times, we're lucky enough that the insurance companies entertain us. Say this PA gets an award for $10k for a roof. Roofer charges $8k. The certificate of completion is $8k. The insurance company keeps or submits billback for the $2k difference due to the price...
At 38:00 I now see what the PA is saying. But he’s using words in a way that don’t give enough detail. Yes it’s true he shouldn’t care for what the roofer is paying because he uses Xactimate. He is focused on getting the proper amount based on policy and by the damage. But he is saying it in a way to show his industries worth which is fine. Dimitri is saying or when Dimitri is saying the roof bid he means the Xactimate amount of the area and not based on the various bids and negotiated amounts. You could have a crew bidding the job and you could have a GC bid the job and those prices are different for sure. In some points they’re both saying the same thing and in others they’re not.
So if a policy holder gets payed out by their insurance the estimate for one company, they cannot cash out that amount to either do the work themselves or choose a different company to do it?
I watched this whole interview and now I'm confused even more. If anyone reading this comment can help me out it would be greatly appreciated. My confusion is as follows: insurance claim is 18k, roofer estimates 10k, PA negotiates claim up to 25k. If the roof portion of the claim comes in at 15k, and roofer does work for 10k is it fraud for the homeowner to keep the 5k difference?
Whatever the actual cost is to complete the work is what the insurance company owes except the deductible. Any savings reflects the new market price and saves the insurance company money. Any money that was paid in excess would need to be returned to the insurance company. The fraud is that providing a invoice to the insurance company that is for more then the actual cost is intentional misrepresentation of the policy to commit fraud against the insurance.
Fraud is a pretty narrow street. There needs to be intent and action. For example, if the homeowner supplied the insurance company a invoice for 15k for the roof work when the contractor only charged 10k. Obviously, the homeowner was missleading the insurance company of the actual cost of the repair in order to collect additional holdback/depreciation not released as part of the 1st check/ACV. Clearly, this would be fraudulent. If the insurance company paid they entire 15k up front on their own accord and the homeowner later decided to hire someone for less, this is not a fraud. It may or may not against the policy, but not necessarily fraud. However, this could become a cival issue down the road. Questions is, how is the PA getting all of the holdback/depreciation released when the work is being done less money. Or in his state do the just release the entire amount like in FL
This guy says he sets up homeowners to file lawsuits. The problem with that is most homeowners cannot afford to pay the cost to sue their insurance company and even if they win, they cannot recover their attorney costs from the insurance company. A lawsuit can easily cost more than the claim amount and insurance companies have deep pockets and their own in-house attorneys to use. They know they can bury you in legal costs. And when they have to go the appraisal route because the insurance company is still denying the claim amount, they want you to pay the cost for that which can easily run $3k.
Both have points.. I only disagree with Dmitry when he says a public adjuster is not needed.. they are there to protect the consumers from the big insurance companies.
This PA is way out of touch. What the contractor charges sets the market, and determines what the policy should pay, for an RCV policy. What Dmitry is doing, absolutely fine. There's no reason for a contractor to not point out inaccuracies in a carrier estimate, or missing code items. What the roofer can't do, is advise the customer on policy coverage or discuss coverage disagreements with the carrier. I hope they can get a more articulate PA on to talk about what they do, which is a necessity, but not on every roofing claim. In fact, on very few roofing claims.
So, I'm a general contractor. I do the structural and finish work. There is 0 money in claims for that work. Roofers get the good stuff. But I agree the roofers should get every penny from the claim for their Scope.
Our contractor just today got approved for O&P on just a roofing job. No other trades involved. Just a simple roofing job. This was a State Farm claim. They tried to get out of it by using the bogus unwritten rule they invented claiming there is no complexity and coordination involved. The contractor told the adjuster EVERY ROOF IS COMPLEX! They ended up paying 15% vs the standard 20%. They offered to pay 7.5% for overhead and 7.5% for profit. THERE IS NO RULE YOU NEED 3 OR MORE TRADES! That is just an unwritten rule the insurance companies invented and it has no merit and will not stand up in the court! It is NOT in the policy! The courts have ruled, if the policy is a full replacement cost less depreciation policy, that includes O&P and must be paid upfront with the initial ACV payment. They cannot withhold that until after the repairs are completed. There is no written rule that requires complexity and coordination. This is the new made up rule they came up with to deny O&P when there is 3 or more trades involved. It all total BS. They are merely playing the numbers game with this. They know they can just get away it on most claims. Those who educate themselves and fight for it will get it. And this clown claiming a contractor cannot deal with the insurance adjuster is total BS! Contractors deal with insurance adjusters everyday. They just can't get into the homeowner's policy with them. But they most certainly CAN discuss their estimates with them and point out anything they did not include in the Xactimate estimate. Adjusters leave legitimate items out all the time whether it is just an oversight or intentional. A contractor most certainly can discus their estimate with an insurance adjuster.
I'm a carrier cat adjuster and this is painful to watch. If a claim is legitimate and we agree on the scope of damages with the contractor.. we want their estimate. As in, please show up with your estimate because if we have a verbal agreement between the homeowner and contractor we can per bid it in xactimate and skip the RCB's. So the whole thing gets paid first round. What I think - he's taking about? It's not just the roof insurance is paying for, with hail - we usually pay for siding, window wraps, gutters, window screen. There's a lot more that we're paying for than the roof, but.. the roofer never takes all of it and doesn't get the other portions of the scope done. Don't listen to this guy, public adjusters aren't necessary they're a thorn. We prefer to settle directly with contractor because people forget when a claim is reopened for a reconcile or a RCB payment we now have to touch that claim 3, 4 times. Times that by hundreds of claims were juggling at once. We much rather not deal with all the malarkey, we rather touch it once and be done with it. Should go like this - Mr. contractor I see this this and that damaged, do you see anything I missed? Mr. homeowner are you definitely sure Mr. contractor is the person you're going to hire? Great I'm going to write estimate, Mr contractor here's my estimate did I miss anything that we know about currently? Mr. homeowner here's your check, wish you the best moving forward. Mr. contractor if you discover additional damages, please submit supplement Done
The worst part is, this Anthony guy makes some good points. But the majority of what he’s saying and how he says it is just all poor. He needs to keep his temper in check. I couldn’t imagine working with this guy as a homeowner.
Are we going to acknowledge depreciation? If insured gets a lower price they WILL NOT get their depreciation. 18k claim. 10k work. Will get $10k less deductible.
So everything we learned from Steve Badger, Steve Patrick, all the leaders at SVG, IMG, and John Houghtaling is wrong? Lord knows I'm missing more people.
Yeah this is good. And we will be working on our feelings for this is a future RU-vid video too! I'm excited for where this may all lead. He had some good points. He is just going about it all wrong. And he seems arrogant.
There are a few fundemental issues with the arguements being made. Insurance companies don't pay for roofs. Insurance companies accept the risk that financial harm may come to the insured via a covered peril. They "insure" that the homeowner is not harmed financially by a covered peril. This is why a PA is very much needed in the claims process. Insurance policies are written in such a way that there is a considerable amount of "gray area" in which they operate. States attempt to hold them to a minimum standard, but a good PA will hold them to a higher standard. A roofing contractor submits a bid, and completes the scope of work in the bid if awarded the contract. There is no reason why they shouldn't be working together, to make the homeowner whole.
Dimitri that public adjuster is absolutely right the marketplace dictates the price per square in a geographical area and one way of determining that is by getting three quotes from three reputable license and insured contractors using their own employees covered under workman's compensation insurance as opposed to using subcontractor an undocumented under the table scabs
So much I can comment on... 1. Dimitry is correct, we're very reputable, because of this we very rarely have to do anything Below our target margin. Insurance companies want to work with us. Its in everyone's best interest. I could have said that more profoundly but I'll leave it at that. 2. Why do bodywork guys get to hold your work hostage, review the estimate, and then supplement the shit out of it, while again, your piece of work is held hostage in there shop, and we get demonized for trying to stay in business?? Why the major disconnect between 2 industries when they utilize the same vehicle for profits. That's my experience
“Every claim that does not have a Public Adjuster is underpaid” I have only watched part of this but this is insane. Some carrier adjusters do a good job. I am a licensed PA in 5 states and licensed GC. Some claims don’t need a PA. Some do. That is one of many ridiculous comments…just so far.
Great interview. This PA guys message had some good points but his delivery and get up is not so great. Needs more charisma and people skills. Good luck to everyone and may the Lord 🙏 bless all us Roofers in 2022. 💪
If you want better answers than this Public Adjuster, I am more than happy to speak with you. I have 17 years in the insurance business. 10 as a staff adjuster and 7 independently. This guy doesn't know the proper answers to your questions.
Quality; public adjusters aren't equal, some work hand in hand with the insurance company not the homeowner. Insurance adjusters don't estimate according to quality but rather cheap materials. When a homeowner decides on the type of material that meet quality workmanship they're own their own to fork out the additional cost above their deductable. Insurance adjusters work for their Insurance Brokerages, not the Homeowners. Private Adjusters usually get more money for a claim but that cost Homeowner's a fee to hire them, now Homeowners are out the funds after paying the fees to have the work done by a reputable company. Homeowners need realistically honest ethical & quality workmanship from a reptuble company (Construction & Insurance). Warranty; 20 yr, after 12 yr the subcontractor can't be found, homeowner roof damaged, now have to file a claim & is out-warranty paid upfront. I feel sorry for Senior Citizens who don't want to do the work trying to find people to be honest. Insurance, Public Adjusters & Contractor's written policy is never written for homeowner's interest. Contractor's usually hire sub-contractors to do their jobs, the homeowner & insurance never worked out anything with the Sub-Contractors!
So, he’s trying to make home owners believe that insurance companies are out there overpaying claims every time? Insurance companies are in the business to make money. Not to give away and lose money. They always always try to cover the bare minimum. And they’re paying for the damages to be made whole again. So, when the roofer submits the final invoice to the insurance for the $10k he recommended (not the initial $18k they were given), is he also telling the homeowner they need to reimburse the insurance the extra $8k? I doubt that he is. And then who’s paying him? He’s just helping them lose $8k worth of good quality work and creating a fraudulent plus of money so he can get paid for something that wasn’t necessary in the first place. While pushing the HO to commit fraud by profiting from funds that are paid from the insurance for repairs.
Dmintry, you’re so wrong. Insurance will use the contract and will screw the customer. THEY DO NEED A PUBLIC ADJUSTER!!!!!!! The client needs his help!
I’m pausing this at 19 minutes to comment. This PA is saying he’s looking to see what homeowner is owed based on what the policy says. So if you have to write an estimate as a roofer and you include ice and water but homeowner let’s say doesn’t have code upgrade then the insurance doesn’t have to pay for the ice and water. So naturally the ice and water payment has to come from the homeowner. So that’s where the PA negotiating what is owed comes from. That’s what he’s trying to say here but it’s not coming out well in this dialogue. Dimitri is saying he can ask for that and insurance can reply that there’s no code upgrade so they won’t pay it. But Dimitri can ask for it on behalf if the homeowner. Ok now I’ll watch the rest and I’ll be back.
So this PA is saying you leave money in the table if you don’t hire a PA but then he’s saying contractors take too much because the insurance is paying over the supposed going rate.
What the public adjusters is saying is that the roofer is only interested in the roof work, and perhaps a few interior patches, but the PA wants to inflate the damage so they can get as much bang for their capped rate of 10% fee as possible. In other words a hail storm not only damage your roof but affected your sheathing which affect the attic insulation which affect the floors, paint on walls and ceilings, furniture, electrical, household electronics. The foundation was also damaged (structurally ) from the high winds. So in essence, a claim that damaged the roof which is 50k including O&P now turns into a 300k claim. This is why most claims go to appraisal. The homeowners are just stuck in the middle wondering when this nightmare is going to end. Hence all the bad reviews his company has. Need I mention when appraisal is a flop and attorneys have to get involved this adds another 40/50% on top of the 10%, which is why homeowners are left with having to come out of pocket for the repairs.
I don't get the idea of why the trade gives 2 numbers. One for cash the other for insurance. This seems very strange to me. Shouldn't the cost to price to profit the same? Why charge more for insurance claims when the roofers business model should always include profit..so why more profit for insurance claim? The estimate should be the same right?
Fact of the matter is that you do need a public when going against all these insurance companies or else they the insurance companies will F you up and you the policy holder does not have a license to negotiate. The only people that can legally negotiate with insurance company is a licensed public Adjuster. Meanwhile the insurance will try to deny your claim based on the language you used.
Here are my 2 cents. I don’t mind public adjusters. I get it! They are licensed to represent an insured. I believe they are just a product of having the other side. Insurer uses adjusters who takes on responsibilities to rep the insurer, so department of insurance created and allowed for someone to do same in case of a dispute. Let them be! Let them hunt for there own business and go get clients. But if I bring a deal to the public adjuster I don’t want to be a likely contractor. I have to be that contractor. It’s my deal!!! Here are few things to remember about PA! 1. Most likely you will end up in appraisal. Which you could of done yourself and most likely will be us I guess your estimate for reference. 2. You will have to eat all incurred or consequential losses. ( they can’t see through the walls or under the shingles. One time I had to pay $10,000 for storage of crap that was worthless and was thrown away. 2. If it is a large loss you most likely loose or reach ALE limit. And client will hate you because now you settled and now you have to build it tomorrow. 3. PA don’t care about you bringing them deals. They will pivoté toward the insured. They just care about there own skin. Fiduciary, whatever. Have another of tact and appreciate someone doing most of the work for you. 4. know when to hire one. Never done it? Do it once or twice and learn. Loose some $$, get upset and promos yourself to never do it again. Only if insured is denied coverage. If you can’t reach an agreement for scope than go to appraisal. You do not need PA to do that. Ask your client to demand appraisal. Or ask this group how to do it. I respect all the people in the industry. But like in every business you will have clowns that want to make money without producing anything. And if anyone should make more $$ or as they call “double dipping “ are the contractors. Because without us buying your shit or being sold on some stupid app that supposedly help me organize my paperwork, YOU would not exist. Period. We produce, we finance , we find business, we wait and it is always our fault. You have a license and a suit.
I've been on a few jobs like this and I hear the contractor and company and owner and other people fighting over who is right or wrong and I'm over here fixing and working or at least cleaning when I can't keep installing because somebody else messed up
You guys are so far apart and will never see each other's point. Fact. You are both correct. 1. Anthony's point on the policy is accurate. The policy determines the coverage, period. 2. The market rate determines the cost based on real competitive bids not inflated bids based on what they think they can charge. 3. In the real world, the contractor discusses the claim with the adjuster. Yes, it happens daily and the adjuster is happy to close the file with the contractor. Period. LOL I loved when Anthony said how do you make up 30%. Host reply: Uuummm. Woops Fact: If the tables were turned and the contractor was the claimant and received 18k for a 10k job, would he give it to the contractor or shop for a competitive bid. Hmm? I'm guessing the latter. Fact: The contractor has by far the greatest risk. The overhead eats them alive and they need the max out of each job. BUT There will always be others that will complete the same job with the same material and skilled labor. Period. Yes folks. It's the truth. It's called min wage. And it is replicated throughout the states. Final point. Anyone can get the license for the pa, contractor or insurance adjuster. Most will provide a standard service. The very small % that survive are the ones that know how to be businessmen and survive. Hence the reason for the majority that fail.
When you get into a car accident, the body shop gets paid the insurance money to do the work unless you decide you want to take the money and do what you will with it.
“My business is getting that homeowner paid what they’re owed” why is he ignoring that what they are owed is directly driven by what the contractor charges to replace the roof? What else would the basis be other than replacement cost? 🤨
Because you admit to not know the answer to your question somehow validates your point? Circular reasoning my friend. There are issues that can arise that the policy may or may not cover. Only a Public Adjuster or an attorney has the legal right to speak coverage on behalf of a customer. A contractor does not. I.e. what is a contractor going to do for a customer if they need to go to a hotel or if there is an access /egress issue? The answer is “nothing” because they don’t have a license to argue policy, and if they do, most states will not allow a contractor to act as a Public Adjuster or vice versa on the same job/claim.
The upfront ACV Payment amount paid by the insurer to the insured is completely subjective. An insurer can depreciate a line item by 20% or 70% and know one can do anything about it.
@@insuranceclaimguy the only reason you're obsessed with negotiating depreciation is so you can get your cut. HO has a replacement cost policy... why does depreciation matter if they're going to get the work done? I literally don't care if they depreciate it by 90% because I know I'm going to invoice for the work completed and that HO owes only their deductible. Again, poor sales pitch sir.
@@insuranceclaimguy If I review the scope of work (xactimate) provided by the insurance company and they are missing scope line items necessary to complete the job per building codes and manufacturer specs, I inform the HO what is missing and let them know I am going to supplement the insurance co for those necessary items to make them whole. I complete the work and invoice for said work. How is this difficult to understand? Where in this scenario is a PA necessary? The insurance company and I agree on the overall scope of work but as the construction professional that's actually doing the work and taking all the risk, I'm going to educate the HO and the staff adjuster on what items are needed and why. Just because you took the time to obtain a license to take money out of the contractors hands doesn't necessarily mean you have the homeowners best interest at heart. My margins are exactly that, MINE.
JEEZ! This PA did not represent himself or other PAs well. I could only got halfway through the video but one important point about the job of a PA and why they are valuable is that a PA doesnt just sign the claim and submit it to the insurance carrier. They accumulate & legitimize all the reports & estimates for water mitigation, remediation, mold tests, roofing, GC work etc... And because almost all insurance carriers like to low ball their settlement offers to their policy holders adjusters will also build their own estimates and negotiate a plethora of Xactimate line items for more than just replacing the roof such as Personal Property, Medical Expenses, Alternative Living Expenses, Lost Rental Income, Building Code Compliance cost and the list goes on. Is a roofer going to work with the HO on all those other damages? More importantly anyone who knows this business knows its a cold day in hell when a homeowner's insurance claim is actually paid out shortly after a claim is filed without a hitch. So if a claim is initially denied due to a disagreement on scope, timing of when the claim was reported, requesting EMS services within a reasonable time after the Date of Loss or even if it was just a Tuesday then who is going take care of all that? How about when the insurance carrier requests an initial inspection with the field adjuster when there is damage on the inside of the home? Who preps the HO for a standard Recorded Statement? If the claim gets denied and goes to litigation who is helping with the deposition? A Public Adjuster directs and attacks ALL OF THESE THINGS while keeping the homeowner sane during a process that almost assuredly takes 90 days MINIMUM. Sorry for the rant. Just know there is a purpose to the job. But again, the PA in the video clearly didn't prepare for this debate. LOL.
How can he say in the first breath that $18k is guaranteed to be too low and underpaid, but doing all the work is only $10k. If the client is made complete and 100% whole for $10k, then the $18k is already too much and a PA would not be needed. If a PA is indeed needed to increase the settlement because the $18k is too low , then the $10k is too low. You can't have this both ways. You cant say that $18k is too low and at the same time say all the damages can be repaired for $10k
I don't need this guy to negotiate with my insurance for me, but he's right and i definitely wouldn't share my insurance claim information with a contractor. Give me a quote for the work and that's it, if you don't want to give me a quote ✌🏻
Yes and no. Did you hire a contractor and ask them to help you file the claim? Contractors can help the homeowner and tell the homeowner how to deal with their insurance. What happens when only half of the roof is approved? What happens when there’s no funds for ice and water? Etc… On the other hand if it covers everything or enough and you’re only looking for a price without help then that’s fair. All roof install requirements are the same. Drip edge/gutter apron, felt, ice and water, maybe flashing, vents, lead pipes, starter and shingles. A contractor typically has a breakdown of all those things and you can use a contractors Xactimate to go back to your insurance company and see if items were excluded and why.
Contractors and Adjusters can pay out fair amounts without a public adjuster present. Plain and simple. He's wrong about every claim needing a PA in order to get paid properly.
Insurance companies can end PA's Over night. Just pay everything that is owed on every claim. The fact PA exists means Insurance companies are not paying everything. So, to say SA are not needed is not logical. Between the insurance companies Roofers and SA only the SA has a fiduciary responsibility to The home owner. That means it's easier for The home owner to sue if they don't work in the homeowners best interest.
This guy!! Omg!! The insurance company owes what it actually cost to repair or replace your damages! 🤦🏼♂️ That’s basic policy language across the board. Am I wrong? The insurance company writes an estimate of what THEY believe the repairs should cost. A PA can write an estimate of what THEY believe it should cost. The carrier may agree or disagree with the PA. If a PA gets the carrier to pay $18k for a roof that actually only cost $10k, there’s definitely something worth saying that is inaccurate. Now let’s bring up the fact of ACV vs RCV… something Dmitry did not put in his face to answer. If carrier pays $18k on a roof, but the roofer “bids the job” at $10k, does the work, insured submits the roofers invoice for $10k, the carrier should never release the Depreciation as it is not needed. Same with insured doing a self repair. What are their cost incurred to do the repairs? That’s what the carrier will default to paying! This is reason roofers recommend Homeowners to let the contractor do the the work for the negotiated price with carrier. It’s not helpful if the carrier pays more than the roofer is charging, unless fraud is happening and someone is lying about the actual incurred final cost of the job.
Roof leaks, damages roof, insulation, ceiling in bedroom, walls and carpet. Payout from Insurance -> Home owner must cover all this, plus any hotel if they can't say in their home, plus other things that might be available based on the policy. Roofer gets paid for doing the roof, based on their quote. That's it. Home owner may decide not to replace carpet... who gets that money?
Sometimes yes you need an adjuster to make sure the coverage is being applied appropriately, however a PA is overstepping by trying to tell a homeowner, it can be done cheaper than what the insurance paid. How is that not fraud?
A good PA should get the settlement for the homeowner, that's his/her ONLY job. The homeowner can hire any roofer they want, but more than likely, they will work with the roofer who closely worked with a PA. BUT, this is a big BUT, I don't even get involved with roof claims unless there is damage to the interior of the home. It's not worth getting $2K fighting for a $20K roof, by the time you add up costs and time, and here in Florida, 90% of Roof Claims are now going to litigation. Everything depends on WHERE YOU LIVE, WHAT STATE!!!
@@theclaimsquadpublicadjusters I'm in Chicago, my background is water and fire mitigation, a different ballgame and less headache, we agree to do the work and only can bill after work is done. We transitioned jnto full service insurance contractors. We only do repairs after we do mitigation, and repairs are always for the RCV value. I recently had a client wind and hail damage. Siding gutters roof. The insurance adjuster came out, they measured the hail damage and said the last time hail was that big was 2015 so no hail coverage but agreed to replace the ridge cap and chimney flute. No shingles. 2555 for roof damage another 4k for painting inside. The issue I see, most roofers don't do interior and almost no adjuster know about water mitigation. The ACV was $4500 the homeowner was pissed, ripped the check up, i told him don't worry get it back, we did the repairs to the roof as prescribed, of course tarped it 1st. The inside we documented and made the case the drywall should be removed. The mitigation alone on the inside was 12,500 This of course raised the scope of repairs and lo and behold once we removed the insulation, the decking was discolored and water damaged. Got the entire roof replaced. From 6500 to 48k. Without an adjuster. I believe adjusters have a much needed service I just hate to see all these claims for roofs and most times ZERO mitigation. I never see it and 99% of the time supplement it. I have tons of examples just like this, even coming in after client hired a PA and still I supplement mitigation. Should the PA get paid off my mitigation supplements?
@@insuranceclaimguy in the case I just laid out, after we did mitigation, keep in mind all we received was 4500 took 3 months to pay out AFTER we paid out of pocket to replace the roof. Now we scope the work and price out the job 24k for the roof and 300 sq feet of decking. 30 sq roof. So you think it's cool if the customer would have said, "we will get 3 more bids' after I priced the job, met adjusters, emails and phone calls back n forth for over a month? Once they approved we didn't make them wait for the check to come, go to mortgage company, we did the roof right away before the snow hit.
Well I hate to say this but I agree with Anthony on one subject. As a roofing contractor I would never give a customer a estimate and then go after the profit and overhead. The P&O is already figured into the proposal. As far as public adjuster I agree with D we don’t need more friction in helping the homeowner maximize their claim.
He's saying you cant negotiate the price because he knows after they're done taking their percentage the property owner wont have enough money left to get the job done. That's the argument PA's make to homeowners "oh you're contractor is charging too much"
This PA is contradicting. He’s saying how the heck did that roofer get 18k for a roof similar to another roof that another roofer got 10k for. Then proceeds to argue that most claims are underpaid. Like dude you sound bitter that the homeowner got a better settlement than what you could have gotten the homeowner. Since the first day I met a PA I knew they were full of B.S.
I think there is a lot of smoke n mirrors going on out there. The insurance company is obligated to pay the claim per the policy. It is the policy holders holders obligation to understand their policy. (Hire an attorney if you do not understand it or accept the settlement).
This clown actually thinks O&P is nothing but some kind of bonus money that he can just use to pay himself and split with the homeowner. WRONG! O&P is a legitimate cost for every contractor. If contractors don't get paid for O&P to cover their overhead they go broke. That money has to come from somewhere. It doesn't just appear out of know where. It is not built into the cost of replacing a roof, although contractors could build it into the cost of the roof, but they can't do it that way when using Xactimate. Xactimate is a pricing software that the insurance companies came up with and they want contractors to use that software when submitting estimates. It is a separate line item in Xactimate. If O&P is not the contractor's money, then if they have a roof that cost $10k to replace, they would have to give the homeowner an estimate for $12,000 to cover their O&P. The problem with that is the $12,000 estimate will not balance with the Xactimate estimate because the O&P is a separate line item expense. Even State Farm shows this as a separate line item expense in their example they use with their claim draft. This clown doesn't know what he is talking about. Now, if the homeowner wants to act as their own general contractor where they hire out each trade themselves and supervises their work, then they can collect the O&P for themselves. But if they use a contractor who assumes the role of general contractor who will be providing the subcontractors to do the work for the different trades then he is entitled to get paid for O&P and that is in fact their money, not the homeowners money and most definitely not the public adjusters money. The public adjuster only gets their percentage of whatever amounts they get the insurance company to pay and that is it.
