The Practitioner

Are you struggling with insurance adjusters not approving overhead and profit (O&P) on your insurance jobs? The standards and "unwritten rules" on overhead and profit used to be any three trades or more (the 3 trade rule) would get you overhead and profit. Now insurance adjusters will typically say that the number of trades on an insurance job doesn't matter and that the job "must reach the level of complexity and/or coordination required of a general contractor to complete the job". What should an insurance restoration contractor do about this situation?

This podcast will cover multiple strategies and tactics to help you overcome these scenarios. High level Insurance Restoration Training and learning.

This is a segment from the #100TownsTour - Insurance Restoration Masterclass by Chad Michael, recorded live in Fort Myers, Florida, on December 7th, 2019.

Strategy. Consistency. Diligence. Dedication. And most importantly of all, putting in the HARD WORK... that's REQUIRED... to WIN IN THIS GAME!

For LIVE TRAINING EVENTS "Insurance Restoration Masterclass - by Chad Michael" on the #100TownsTour go to: https://www.InsuranceRestorationTraining.com

What should you do when the insurance adjuster denies roof damage? One broken roof tile? Discontinued? Damaged soft metals? Are they saying that the roof damage is cosmetic damage or mechanical damage? What about when the insurance company sends an engineer who also denies the damage?

This is a segment from the #100TownsTour - Insurance Restoration Masterclass by Chad Michael, recorded live in Ft Lauderdale, Florida, on December 10th, 2019.

For LIVE TRAINING EVENTS "Insurance Restoration Masterclass - by Chad Michael" on the #100TownsTour go to: https://www.InsuranceRestorationTraining.com

Tips, strategies and advice for how to conduct meetings in the field with insurance adjusters. The roofing contractor or insurance restoration has a contractual obligation to perform all repairs that are prescribed by the insurance claim?

So, what should you do when the insurance adjuster asks you if you "agree" to their lower estimate, just so they can send payment?

Don't agree with anything before the build. Before the build is just an estimate and a hypothetical. You won't know what the job will actually take until you build it. Hopefully many contractors will gain value from this short segment.

This is a segment from the #100TownsTour - Insurance Restoration Masterclass by Chad Michael, recorded live in Columbus, Ohio, on September 25th, 2019.

Many restoration contractors and roofing contractors leave money on the table, when it comes to contents packing, storing and cleaning. Also, knowing the fundamentals of water mitigation, fire mitigation and insurance restoration can go a long way for an insurance restoration contractor.

This is a segment from the #100TownsTour - Insurance Restoration Masterclass by Chad Michael, recorded live in Nashville, Tennessee, on September 18, 2019.

Roofing contractors often refer to the price of their services in "per square" terms. Everyone seems to be focused on how much per square a roof should cost. Property owners, insurance restoration contractors, roofers and insurance adjusters talk about roofs in terms of "per square".

This cannot be accurate under almost any circumstances.

This is a segment from the #100TownsTour - Insurance Restoration Masterclass by Chad Michael, recorded live in Nashville, Tennessee, on September 18, 2019.

Is it possible to legally "COVER" the insurance deductible? Actually, yes, it is! But it absolute depends on how it is done. There are many methods not so advisable that a great deal of roofing contractors and restoration contractors use to "waive" the insurance deductible.

This is absolutely reckless and not necessary at all. Especially since there are many LEGAL methods that can be deployed, which will keep the contractor out of trouble, as well as minimize liability to the property owner, which should be most important after all.

This is a segment from the #100TownsTour - Insurance Restoration Masterclass by Chad Michael, recorded live in Silver Spring, Maryland, near Washington DC, on October 4, 2019.

Strategies for insurance repair contractors to respond to insurance adjusters for better approvals on property insurance claims. Tips and advice for roofing contractors, mitigation contractors and insurance restoration general contractors.

What do you do when the insurance adjuster says they don't want to pay for items on your Xactimate repair estimate? Ridge caps, starter, waste factor, overhead & profit (O&P) and more. Let's solve these problems for the many Insurance Restoration Contractors, roofing contractors, general contractors, etc who need the help!

This is a segment from the #100TownsTour - Insurance Restoration Masterclass by Chad Michael, recorded live in Indianapolis, Indiana on September 20, 2019.

Too many insurance restoration contractors fail to investigate the available data for insurance repair jobs, before rushing out to the damaged property to conduct an inspection and complete an Xactimate estimate. A great deal of focus and attention can and should be spent beforehand to qualify the job and the client first.

Featuring a questions and answers session with roofing contractors and Chad Michael, The Practitioner, on insurance adjuster rebuttals in getting overhead and profit (O&P) and Xactimate estimates approved on insurance restoration roofing claims.

Multiple topics covered including tips for State Farm and Nationwide claims, supplementing procedures, building code upgrades (ICC: IBC, IRC, IECC) and much more.

This is a segment from the 100 Towns Tour - Insurance Restoration Masterclass by Chad Michael, recorded live in San Antonio, Texas on July 25, 2019.

How to handle the insurance adjuster appointment and take control of the situation. When meeting with a field insurance adjuster and compiling your Xactimate estimate, how you formulate your strategy can mean all the difference for winning roofing contractors. You already have the disadvantage of not being able to discuss policy and coverage. This video will cover some advice and tips on how to neutralize and equalize the situation to give yourself the advantage.

This is a segment from the 100 Towns Tour - Insurance Restoration Masterclass by Chad Michael, recorded live in Denver, Colorado on August 20, 2019.