Lots of " Are you hiring ? " calls

Well Dave example is where the rubber meets the road . In reality the roofing contractor should know the pulse of his neighbor hood. Realizing that each customer is just one set of numbers away from choosing someone else. One digit or seven no matter. If you don't know your patience's ( customers ) It doesn't matter how good of a craftsmen you are , they will dial someone else digits. That is what the stormier do. They understand the locals fear and intimidation's , capitalize on it suck every once of juice they can from your neighborhood and communities. The starting place is " YOU " Spend sometime looking at your example then think about what you don't understand . Pick the brains of the stormier . They are predators and know how to capture their prey. GKRFG , twil you guys are aware of what is happening here . I'm not the enemy . I'm trying to raise awareness , and yes there are other personal benefit which drives me to put up with Loonies such as jet and visceral comments I face in the cross hairs of the snipers .>>>

Dr Garcia's not putting his hands up my skirt...no way..... I guess the point here is for the patient to make sure that if the need be, then the insurance company will do business with MY doctor, or I'm getting a new insurance company...>>>

I'm going to take this discussion on a tangent that might add to the discussion, rather than detract.... Let's assume the claim for damage is for personal injury, rather than for property damage. Let's say it's for a personal situation, such as ob/gyn or prostrate related issues. Are you, the consumer, who has an ongoing relationship with an internist or doctor, when faced with a need to have procedures done that are covered by insurance, going to let your adjuster tell you whom is going to perform your surgery? Possibly, you doctor might not be willing to deal with your insurance company, but if that were the case, you probably would know that before you needed to ask it in the first place. Now maybe you hospital choices might be limited, but your doctor is another story. Somehow there is a parallel here that I just can't seem to get my head around right now, but...let the discussion continue.>>>

Thanks guys finally something with substance. twill I'm not talking about you. I like where this might be going now. An awful lot of information suddenly like a hailstorm lots of roofs to do as an analogy. I will try to post to what is pertinent as I see it , now that doesn't mean I am the end all I'm not.

Miscreant Said: The insurance companies want to settle the claim as efficiently as possible.,, True,,... They don't care about the quality of the work,,,, Not True,,, They don't care about the contractor because we are not their customer...... Half True.... They care about their policyholders only to the degree that their claim gets settled.......... True....... If they create an environment where their customer gets screwed after the claim is settled, they don't care......... Absolutely FALSE ....... CIAKs opinion of the storm disaster process is shared industry wide. We get that...... True

The problem is that if we all don't learn to work together we are all going to suffer...... True I have been trying to make this point Thank You ............ A prime example of that unfolded here in Columbus, OH. We got hit with the remnants of Hurricane Ike up here on September 15, 2008. Most of the roofs that sustained storm damage were roofs that were replaced by the storm chasers in the 2003 hail storm we had. This is an instance where the insurance industry’s ambivalence to the quality of work came back to bite them in the rear end..... Not nessecarliy ....... They ended up paying twice for something they could have paid once for....... Maybe yes , no How do you know this ?????? They could have had a happier policyholder in the end as well.,,,,,, Half true Maybe If the claim is settled then the H/O's are happy

The policyholder figures out what the deal is eventually. The insurance industry measures customer satisfaction by polling the policy holder after the claim gets paid. They don't measure satisfaction with work performed, or at least don't feel connected to it. Most importantly, they don't measure policyholder satisfaction after the homeowner finds out how they got screwed.

The problem your industry faces is the porosity of information and how rapidly it is distributed.,,,,,, Can you explain what in the hell you are talking about here ????????? There are too many leaks in the levee. Before your policyholders start burning down your skyscrapers and slitting your throats you might consider turning the whole thing around.......... This is just idiot talk up to turing the thing around

Why not coach your customer on what to look for in a contractor?........ That is done to some degree by local agency . You know this is true ........ I don't see anything on your website that addresses that. Why not offer a download to local contractors (that in all other regards is better able to serve the policyholder than the storm chaser) outlining what you need from them to do work? I don't believe its the industries intent to essentially offer more money to uninsured contractors performing substandard work with less of a warranty because they know how to game the system. True true... That is what is occurring however. The fact that you may not care or accuse me of self serving complaining doesn't change it....... The problem is more than just insurance work and is the fault of the roofing industry as a whole to blame it on the Insurance Company is scape goatin at best

I'm sure insurance executives didn't set up the storm claims process to create bribe money for the adjustor's and I believe that most adjustor's just want to earn an honest living.... Very True.... On the other hand if ever there was a system that created moral hazard, it is this one. It demands too cozy of a relationship with adjustor's and storm chasers in an environment that is by definition rushed and confused. Add to the mix a class of adjuster whose compensation is linked to the size of the claim and you have a system that is a

The insurance companies want to settle the claim as efficiently as possible. They don't care about the quality of the work. They don't care about the contractor because we are not their customer. They care about their policyholders only to the degree that their claim gets settled. If they create an environment where their customer gets screwed after the claim is settled, they don't care. CIAK's opinion of the storm disaster process is shared industry wide. We get that.

The problem is that if we all don't learn to work together we are all going to suffer. A prime example of that unfolded here in Columbus, OH. We got hit with the remnants of Hurricane Ike up here on September 15, 2008. Most of the roofs that sustained storm damage were roofs that were replaced by the storm chasers in the 2003 hail storm we had. This is an instance where the insurance industry’s ambivalence to the quality of work came back to bite them in the rear end. They ended up paying twice for something they could have paid once for. They could have had a happier policyholder in the end as well.

The policyholder figures out what the deal is eventually. The insurance industry measures customer satisfaction by polling the policy holder after the claim gets paid. They don't measure satisfaction with work performed, or at least don't feel connected to it. Most importantly, they don't measure policyholder satisfaction after the homeowner finds out how they got screwed.

The problem your industry faces is the porosity of information and how rapidly it is distributed. There are too many leaks in the levee. Before your policyholders start burning down your skyscrapers and slitting your throats you might consider turning the whole thing around.

Why not coach your customer on what to look for in a contractor? I don't see anything on your website that addresses that. Why not offer a download to local contractors (that in all other regards is better able to serve the policyholder than the storm chaser) outlining what you need from them to do work? I don't believe it's the industries' intent to essentially offer more money to uninsured contractors performing substandard work with less of a warranty because they know how to game the system. That is what is occurring however. The fact that you may not care or accuse me of self serving complaining doesn't change it.

I'm sure insurance executives didn't set up the storm claims process to create bribe money for the adjustors and I believe that most adjustors just want to earn an honest living. On the other hand if ever there was a system that created "moral hazard", it is this one. It demands too cozy of a relationship with adjustors and storm chasers in an environment that is by definition rushed and confused. Add to the mix a class of adjustor whose compensation is linked to the size of the claim and you have a system that is all but guaranteed to be abused.

The moral hazard considerations aside, has the industry not created a situation where the honest party is locked out? The crooked adjustor makes a good living while the honest one gets paid much less and has to suffer the same scorn as his dishonest peers. The hack contractor makes a killing doing substandard work (Newsflash! He doesn't do all the work you paid him for). The honest contractor doesn't want to bribe anybody to get work (Come on now, you know that's how it works by now, right?). She/he also doesn't want to lie about the work they are performing (how many gutters actually get replaced on a hail damage claim compared to how many you've paid to replace). Attempts at drafting the homeowner as co-conspirator is part of the process.

The insurance company that takes an approach that helps homeowners get a better job by allowing them to work with higher standard providers (at no more expense) is going to be the one that sees the biggest increase in new policyholders. People aren’t stupid; they know what's going on (eventually)

twill59 Said: Well Chuck, you are getting to closer to be able to answer a question. Close. Still havent tho. Ive got no problem finding fault in my business model. Dishonesty however, is not in the model. For anyone Lurking:

Anyway, there seems to be several ways to run Ye Olde Roofing Business.

The 2 conflicting ways that I see it: Market the traditional way, to the local populace.

Deal directly w/ the Ins., Cos. and canvas to the local populace when you hit town. An option there is also to lease the phone # & storefront of a local contractor. Instant credibility. (I dont know how the contracts are carried out in this arrangement however.) Then leave town and do it again.

Back to CHUCK:

If I leased my business to these Stormers for 4-6 months or so, and ran the contracts thru my company (if this is the way it is done) then the checks would be deposited into My business acct right?

twill59 Said: And BTW, youre welcome Chuck as I have answered your questions. Having you in a conversation is like talking to a floor lamp or a doorstop that asks questions.

It is hard for me to see how you compare greed, money grubbing and convenient ignorance with any kind of thinking or new ideas.

You are riding the gravy train, I understand that. Good for you. The Gravy Train is sad, un apologetic and has no scruples. Been that way for a long time. Does not matter which gravy train. There does not seem to be anymore to this conversation.

Lets get back to the original topic

Glad to see others are seeing through this guy. He knows nothing about our business or he'd still be in it. His kid got him the gravy job because the old lady was tired of seeing him hanging around the house doing absolutely nothing. Anyone with a bible thumper background is totally worthless........to anyone.

JET>>>

Assumptions are the responsibility of the local contractor to verify or deny. It makes an ass out of you . If you don't bring it to light in your neighborhood stick your finger in your eye . I guess what I don't understand is all the bellying aching and whinging . All from guys who proclaim to be experts and business owners. It wasn't the last time I will continue to proclaim what I see going on and if you can glean anything from it fine. I have a lot of good and timely information . I can't take the wax out of your ears only you can . Continue to wait for lawyers and who ever to take the bull by the horn for ya. That is so pathetic . Sorry twill it just is so lame sounding. Be proactive man. It is difficult moving out of your comfort zone . Even if it is uncomfortable . There is a huge market out there get the binky out of your mouth turn the dinosaur be lean and mean how else can I say it ???????????????>>>

Minnesota As I have been hollering from the roof top ;) :laugh: insurance money is going to be the future of this industry for awhile. Globe understands this so do the Manufactures . I cannot hook you up with adjusters . There is a conflict of interest when I am out in the field . The liability issues associated with recommend this contractor or that is very much discouraged and should be obvious as to why . When I'm not working I am constantly text and conversing with inside outside adjuster from all levels in this industry . They are not the enemy . I have my finger on the pulse .>>>

If there is a storm and someone is having a roof put on by Twill roofing and the insurance company is paying for it . The homeowner is going to know that the insurance company paid on the contract they had with the homeowner . They will tell their friends . Their friends will look at who the insurance company was possibly buy the insurance company policy. Now if twill roofing does a good job the homeowner will say The insurance company paid to have our roof done and twill roofing did a good job . Homeowner is happy twill roofing is making money to keep his family feed and perhaps a referral . I don't know what stinks about that . Enlighten me twill .>>>

Minn One of the steps in a catastrophe is to get to the homeowners and convince them you are the guy to do the work. That is one of the big steps . Marketing to your community before during and after a storm. Sitting on your backside and complaining is a victim mentality . If you want to be a victim you will be : Let your community know you care about them and their property. When a storm hits market like crazy. You know the drill. Get out there get off the cushy I'm the only good guy and every one takes advantage of me because they know someone etc. If I ever do this I have started to formulate a plan an idea on how to cure alot of this nonsense . If I do I will need to work with people who are motivated . Get motivated . You have a huge advantage more than one use them stop crying. That is what being your own boss is all about.>>>

quote/]twill59 Said: Heres a business model: (will it happen Chuck?)

Roof leasing by theneighborhood Ins. Co. Roofing Co. 1-800-FREE-Roof

Why own your roof anymore? Keep it separate from the rest of your house and let the Ins. Co. own your roof and rent it back to you. Make a payment along w/ your mortgage, taxes and escrow. Just add some $s onto the insurance premium.

Anything happens to the roof, call the Ins. Co. Roofing Co. to take care of it. Hail? Wind? Tree limb? Algae? Leak? One phone call does it all.

Please dont think I am mocking you CIAK, this is simply the End Game of what you are talking about. Heck lets do this w/ the whole house!! Then what do we have? It sure isnt Americans Home Ownership is it?

So the natural question, does the Ins. Industry want to own everything?

I'm absolutely sure you have never owned your roof to be exact you never have owned your house neither have I , It is just an illusion . If you don't pay your taxes get a taste of who owns your house with all it's parts , the insurance company keeps it from falling apart so the taxes etc will keep the value up incase someone defaults. The warranties are for the same reasons state mandated or not. All building codes are there to keep the resale value at a maximum . The end game has been in operation for as long as debt and government have been around . The model you drew is the new American Home Ownership . The insurance company has it's hands in almost if not everything and has for a long time.>>>