What's Wrong With This Insurance Estimate? 01 | How to Get O&P - Roofing

[@InsuranceRestorationTraining]

IESCertified.com

[@mjvaiaoga]

Awesome vid man.... currently working with a contractor that typically works off of what insurance approves for. Not much supplementing... need to study your vids and get my supp game up... great content here.

[@InsuranceRestorationTraining]

Much appreciated, my friend. I appreciate you watching and commenting. Keep grinding and stay tuned! 🙏🙏🙏👊😉 - Chad Michael

[@michaelornelles9737]

The high and steep do not include any materials so waste would NOT be added. They are for additional labor only. Line items states: Includes: Additional charge for lost labor productivity on a steep roof (7/12 to 9/12 slope), due to working with roof jacks, additional toe board installation, and additional safety precautions.

[@InsuranceRestorationTraining]

So are you saying that the additional work required to handle the waste will not actually also produce the need for additional materials as well? I realize that is the way folks are trained to look at it. My 20 years of experience in getting it actually approved... as well as seeing adjusters include it many times without being asked to do so tells me otherwise. But I certainly do appreciate you watching and for the thoughtful comment. Stay awesome, brother. 🙏💖👊😉

[@michaelornelles9737]

I will try that and see if it gets approved. Also, I would have argued that the Paint on the fence should not be non recoverable only the fence materials themselves. Thanks for the tip. @@InsuranceRestorationTraining

[@InsuranceRestorationTraining]

And you would be EXACTLY correct, my friend! 💥💣💥💣 Labor items should not be depreciated. I realize that in some states they have been trying to depreciate labor items and fights are playing out in many courts. But most insurance companies will do the right thing. Good eyes! Keep grinding, brother! 💪💪💪👊😎

[@JesseWickline]

Great work Chad

[@InsuranceRestorationTraining]

Thank you, my friend. 🙏💖👊😉

[@brandonwalker2777]

the information you're giving is spot-on and I agree with all of it the visual imaging has area of opportunity

[@InsuranceRestorationTraining]

+brandon walker Thanks a lot for tbe compliment, and for taking the time to encourage me. I appreciate you, sir. We're trying to make them better. Make sure you watch the other 4 episodes, if you haven't already. We're improving all the time. Hope you have an amazing week, Brandon! 👊😎

[@brandonwalker2777]

for whatever it's worth your videos are legit as f***. I just made it $9,000 roof into $17,000 without overhead and profit.

[@InsuranceRestorationTraining]

brandon walker There's nothing I'd rather hear, brother. You ROCK! 💪💪💪💪

[@brandonwalker2777]

fuck big business! bunch of scandalous ass m************! make billions upon billions of dollars annually but they can't afford f****** starter course

[@InsuranceRestorationTraining]

kzbin.info/www/bejne/j2Wrm2Sdhr6or5I

[@justincleary9247]

A few things to consider: With Xactware, every carrier has a custom profile. Some carriers will have line items that others don't. I've encountered situations where I was trying to pay for manually sealing shingles on mansard roofing only to find that the carrier did not have an item for this even thought the contractor did. I usually asses O&P on a basis of overlapping areas of work. If you have multiple different trades performing repairs that require each trade to complete work before the next can start, you have complexity AND coordination. You need both. An example could be having an interior repair that involves drywall, insulation, and painting all in the same area. One thing that you don't really touch on is the NEED to replace items such as valley metal, step flashing, flue caps, etc.... The policy covers accidental direct physical loss and, depending on the type of loss, a lot of those items aren't necessarily damaged and the way they've been installed may not require them to be removed to repair or replace a roof. Maybe the valley metal is installed under the underlayment and it's not exposed. If it's hail we are looking at, that valley metal is sound and should have no issues being reused. The use of a labor item on the estimate in this video suggests that the flue caps weren't damaged but would require additional time to manipulate them to complete the covered repairs. Obviously, I'm coming at this from the angle of an adjuster but, I am a firm believer in paying for everything that is warranted for my policy holders. These are just some of the lines of thought that are given by carriers and I'd argue that they at least have merit. Good video though, I've revised estimates where I've had to include things like waste on steep charges.

[@InsuranceRestorationTraining]

I just now am seeing this awesome comment. I apologize for taking so long to respond. Thank you for such a detailed and thoughtful comment, brother! 🙏👊😉 I would just have to say that I agree with you! The video you commented on was made almost 3 years ago and it was the very first episode in a series that now has 8 episodes, soon to be 9. We (I) have come a very long way since then. If you were to look at my most recent episode (8) you will see just how far my estimate detail has come; for example, I now rely on building codes for a ton. The flashing you referenced mostly will have to be replaced most of the time... depending on location and local code adoptions. The International Residential Code (IRC) for example requires that ALL flashing be replaced during repair when it is rusted, damaged or deteriorated. The nail holes from previous installation would be damage. So not talking about direct physical damage here. Also, please check out one of my most recent videos entitled "How I Write Estimates - Sketch", which is Part 1 of 5 in my paid training course. This will really help break down my thoughts from the inside of an estimate. Thanks for watching and thanks again for the incredible comment. I'm so grateful for these conversations. I hope you have a great week, my friend. Much love! 🙏🙏🙏👊😎 - Chad Michael

[@InsuranceRestorationTraining]

Here is Episode 8... kzbin.info/www/bejne/aKKmhZ6ridR7o80

[@InsuranceRestorationTraining]

And the other video I referenced. Thanks again! 🙏 kzbin.info/www/bejne/f3jWmKFvjqqjgc0

[@johnlyn1]

Question? You said: "I usually asses O&P on a basis of overlapping areas of work. If you have multiple different trades performing repairs that require each trade to complete work before the next can start, you have complexity AND coordination. You need both. An example could be having an interior repair that involves drywall, insulation, and painting all in the same area." Where is it written that you need complexity AND coordination to get paid for O&P? I do not see anything in our policy that says you need this to be paid for O&P. Our policy is a full replacement policy and the courts have ruled a full replacement policy entitles the insured to be paid for O&P. Complexity and coordination appears to be an unwritten rule made up by the insurance companies while their policies do not say anything about this. When something is not clear and in dispute the courts say they have to look to the actual policy to determine whether the insurance company must pay or not.

[@steveruiz5259]

Wow great job thank you very much for all your detail. I have subscribed to your channel

[@InsuranceRestorationTraining]

+Steve Ruiz Thanks a million, Steve. I appreciate your support, big time. And thanks for the awesome compliment. Please stay tuned. 👊😎

[@InsuranceRestorationTraining]

kzbin.info/www/bejne/j2Wrm2Sdhr6or5I

[@juicingcornerchris]

Fantastic demonstration >>>>>>>>>>>>>>>>>>>

[@InsuranceRestorationTraining]

+juicingcornerchris Thanks a lot, Chris. Please stay tuned, brother. 💪💪💪

[@InsuranceRestorationTraining]

kzbin.info/www/bejne/j2Wrm2Sdhr6or5I

[@Carlos--Claveran]

So regarding the white pages that doesn't show removal of Valley Metal drip edge ridge cap things of that nature ...can you provide us with a copy of what that white page looks like too attached as a picture with that line item when we add it... ...please Also regarding the step flashing or counter flashing can you supply the reason why that is the case.. is it based on shingle manufacturers installation guidelines?..

[@InsuranceRestorationTraining]

IRC (International Residential Code) requires that ANY flashings be replaced where rusted, damaged and/or deteriorated. Nail holes and screw holes are damage, first and foremost. I have code snippets and hours and hours of training in my course but I hope this points you in the right direction. Have a great weekend. 👊👊👊😊

[@InsuranceRestorationTraining]

Carols, here is a playlist for 7 other episodes you can watch as well... What's Wrong With This Insurance Estimate?: kzbin.info/aero/PLWqnQsZuumF5KnCbfTafVhDbR2XmjKbTK

[@jwoodruff4993]

Great videos guys. Keep them coming! Quick question: How would I locate the info for a desk adjuster and get my updated estimate to them?

[@InsuranceRestorationTraining]

+J Woodruff I'm quite embarrassed to tell you that I am just seeing this comment. Please contact me on Facebook, Instagram or Twitter, or on our website at www.OverheadAndProfit.com with the insurance company or companies that you're trying to reach, if you're still needing that. I'd be happy to help.

[@InsuranceRestorationTraining]

kzbin.info/www/bejne/j2Wrm2Sdhr6or5I

[@homestategroup9035]

Is seal and paint trim a common item you get approved on most estimates? Do your clients have the roofers seal and paint trim or do they usually hire a separate painter just for this? If drip edge comes in a color similar to the trim is this items still warranted?

[@generalekis]

Great and useful information, thanks!

[@InsuranceRestorationTraining]

+JUAN REYES Thanks a million for the awesome feedback. Your comment is most appreciated. The pleasure is all ours, sir! 👊😎

[@pureconstructionroofing776]

So what do you charge for estimating for contractors?

[@earlyprepfinancialservices1478]

where are the photos so that we can follow alone with what you are teaching?

[@InsuranceRestorationTraining]

I did start to include those in the later episodes. There are 10 total episodes on that series. This was the very first. Thanks for watching! 🙏👊😉

[@theguyinthehelmet1875]

Every business finds a balance between time and money. When insurance company does, you should too. Desk adjusters do not know what is going. The best scenario is when you have a desk adjuster that actually has been a field adjuster... lol! If the desk adjuster can't understand logic itself, just get a re-inspection.

[@InsuranceRestorationTraining]

Agreed, brother! Thanks for the comment. Please stay tuned! 🙏👊👊👊😊

[@themahjamarquez]

How do I hire your company for an estimate? I cannot find your contact information.

[@maxsoto4545]

what do you charge for estimate?

[@InsuranceRestorationTraining]

All of the prices are listed here: OverheadAndProfit.com Thanks! 👊😊

[@InsuranceRestorationTraining]

kzbin.info/www/bejne/j2Wrm2Sdhr6or5I

[@gavnonadoroge3092]

Did you ever come across an estimate that erred in favor of the homeowner?

[@InsuranceRestorationTraining]

+Gavno Nadoroge Almost never. Occasionally they might make a typo in quantity. But almost never.

[@InsuranceRestorationTraining]

kzbin.info/www/bejne/j2Wrm2Sdhr6or5I

[@unpopularopinion149]

Can I hire you to supplement a 104 square approval I have with State Farm? Came in at $37,500 and I think it should be $55,000

[@masonmcknight5866]

Your phone is always about to die in these

[@InsuranceRestorationTraining]

🤣😂 Right?! Lol… That video right there is almost 6 years old. It was one of my first. I sure have come a long way since then. I had no clue about video and KZbin then. What a classic. 👊😉

[@AC_ALWAYSANDFOREVER]

The Customer just gave you insurance estimate?

[@InsuranceRestorationTraining]

That's pretty standard when a contractor is hired to perform insurance repairs. They kind of need a prescription - a set of instructions, if you will - to work off of. And to answer your question more direct, we are not the contractor. We were hired by the contractor. We are an estimating company. Thanks for the comment. Hope you having a great weekend! :)

[@crunch9876]

Why wouldn’t they?

[@InsuranceRestorationTraining]

👊😉

[@rociodiosdado3890]

In need of your services

[@johnmartinez9295]

The estimate is not incorrect, Sf would not give O/P on a roof only. Appears their price list maybe different. No I would not give you starters. Insured can always find another CTRoC. Wow, you’re a off your rocker, lol. You sure your not a PA. Nubbie adjuster...

[@InsuranceRestorationTraining]

20 years insurance restoration industry here, my friend. Welcome to the industry, Mr Adjuster. Thanks for watching and for the comment. 🙏👊😉

[@killamatrix1]

Painting is not covered on the fence or exterior. Its subjective. O and P cannot be added need 3 or more trades. Only on CAT. So if it's wind or hail. You should be good.

[@crunch9876]

Allen C nope O$P can be added with just one trade.

[@blake102989]

State farm is the worst insurance company. They dont want to pay hardly anything especially for labor cost for contractors.

[@InsuranceRestorationTraining]

Sad but true, my brother... 😕

[@blake102989]

@@InsuranceRestorationTraining I had to argue with them before for my friends mothers home on hail damage. They had a guy meet them there and his only job is to do estimates for insurance companies and he tried saying alot of it wasnt hail. I've been roofing on and off for 13 years so he couldn't play me like a fool.

[@InsuranceRestorationTraining]

Keep holding them accountable, brother! 👊👊👊💪

[@InsuranceRestorationTraining]

kzbin.info/www/bejne/j2Wrm2Sdhr6or5I

[@johnsorrentino8353]

have called your number couple times would like to talk to someone

[@InsuranceRestorationTraining]

+john sorrentino So sorry, John. We have been buried and weren't able to bring on new clients there for awhile. I did finally send you an email back. Please contact me anytime. Thanks again.