Andy Metzler & Cheryl Ambrose - Are you Protected from a Cyber Attack? - PODCAST TRANSCRIPTION

Editor's note: The following is the transcript of an live interview with Andy Metzler of Acrisure and Cheryl Ambrose of NRCA. You can read the interview below or listen to the podcast.

Speaker 1:
Welcome to Roofing Road Trips with Heidi. Explore the roofing industry through the eyes of a long-term professional within the trade. Listen for insights, interviews, and exciting news in the roofing industry today.

Heidi Ellsworth:
Hello and welcome to another Roofing Road Trips from RoofersCoffeeShop. My name is Heidi Ellsworth and I am here today to talk about a really important topic, a really important topic. And actually, I'm not going to be doing the talking. I am lucky enough to be here with Cheryl Ambrose from NRCA and Andy Metzler with Acrisure, and they are ... We are going to be talking about cyber attacks, the cyber risk that's out there right now. Cheryl and Andy, welcome to the show.

Cheryl Ambrose:
Hi, Heidi.

Andy Metzler:
Hi, Heidi, I appreciate you having us.

Cheryl Ambrose:
Great to be here.

Heidi Ellsworth:
I'm so happy to have you both here. So I want to start out with just an introduction. So Cheryl, would you mind just telling everybody a little bit about yourself, and, of course, NRCA?

Cheryl Ambrose:
Well, of course. Happy to be part of NRCA. Have been in the occupational safety and health world and the construction field for almost 30 years, and have had a wide variety of duties and things in that ... Worked with many different types of contractors. Most recently, prior to joining NRCA, was the national safety director for the Plumber and Pipefitters Union, and now I'm the Director of Enterprise Risk Management along with our risk team at NRCA. Of course, we oversee safety and health for resources, and information, and regulatory oversight for our members, and also, of course, insurance-related items. From the risk perspective, and that's what brings this into view as an important topic. And so really happy to have this opportunity to sort of get the word out to our folks here at NRCA and beyond.

Heidi Ellsworth:
Such important benefits for members of NRCA and for the industry overall. I mean, it's just so important, Andy, welcome to the show. Please, introduce yourself.

Andy Metzler:
Sure. I'm Andy Metzler, I'm with BPM Insurance, which is an Acrisure company out of Kansas City, Missouri. I'm actually a third-generation insurance agent. I've been doing this over 10 years officially. Been growing up with it and behind the scenes for 40-plus years now. We particularly specialize in large commercial roofers. We have a captive program and then, obviously, which is for comp auto NGL and then we take care of the rest of our client's insurance portfolios. And then more recently, especially the last couple years, been really focusing on cyber and cyber insurance since this is something that not only have we had very personal experience with, but we're just seeing an industry-wide massive uptick. And so trying to get ahead of the curve and make sure not only all of our clients but now all of NRCA's members are adequately informed, and covered, and everything that goes along with it.

Heidi Ellsworth:
Excellent. It's so nice to have you both here. And again, I have to say, the fact that NRCA brought you in Andy, and that you are bringing this knowledge to the industry is so awesome. I do want to say, usually, you don't hear third-generation insurance, we always hear third-generation roofing company so it's cool. You're very similar with the industry out there.

Andy Metzler:
I was going to say, probably like all the third-generation roofers, I grew up probably avoiding it for a while and then realized it was a great opportunity. A lot of industry people might know my dad because he's been going to the meetings and been around for a long time. He actually grew up working roofs as well so I've got my toe in both the waters so know both the industries pretty well.

Heidi Ellsworth:
That's awesome. I love that. It seems to always come back to roofing, right. Somehow it always comes back.

Andy Metzler:
It does.

Heidi Ellsworth:
Speaking of roofing companies. So Cheryl, do you think roofing companies realize the cyber liability and the risks that they're currently facing? Because as a small business owner, I don't think I have my arms around it as well as I should.

Cheryl Ambrose:
That's a great question, Heidi. With NRCA being sort of the voice of the roofing industry with almost 4,000 members now, I would have to say, the short answer to that is probably no. The majority of them probably do not. Or, they have thought about it but they haven't maybe thought of it ... Acted upon it. Or it's that little nagging thing in the back of the mind. They're working feverishly every day to manage all the things that they have to do to run a roofing company and put a roof on, and take care of their employees in many different ways. And it's sort of one of those sort of I would say risk that lives in the shadows but it's really servicing to become more and more of a bigger risk as we have more people working, even remotely. Everything's becoming so digitized. Digital, electronic communications, everything. And I don't want to steal any of Andy's thunder, but definitely, I would say that if they realize it, they probably have not ... Or don't know what they could do to probably safeguard their company.

Heidi Ellsworth:
And I know a lot of contractors have had ransom problems. They've had viruses, we get all the phishing stuff that's out there. It's just so frustrating. Andy, what are you seeing around the statistics of cyber risk?

Andy Metzler:
And to tag on to what Cheryl was saying. I think, unfortunately, a lot of roofers have learned trial by fire. It's something that is such a new risk, it is not a traditional risk that we've talked about for the last 100 years in the roofing industry. And as you mentioned, it's something that's more and more prevalent as we lean more and more on technology. Roofing is roofing. The primary concern of roofers is taking care of their employees who are up on the roofs, and materials, and labor, and all the stuff that's gone along with that these days but we're becoming more and more reliant on that technology. Especially the roofing industry is susceptible, and we're finding it's probably one of the biggest uninsured or underinsured risk that companies have because it's not part of the traditional portfolio.

Andy Metzler:
If you think about it, there's lots of invoices, and transactions, and data that companies are now storing that they didn't traditionally store. And even some of the more technology-based companies are getting into scanning roofs without even going up on them using GPS technology. And so every time you have a system, or something that integrates with a system, you have an exposure there, and, obviously, that's just something that's becoming more and more prevalent. There's some great statistics out there. Just to highlight a couple of the big scary numbers that really grab my attention. The first one is a quote from Jenny Romney, who's the former CEO of IBM, who is, obviously, on the forefront of technology and has been for a long time. And she said, "Cybercrime is literally the greatest threat to every company in the world." Not just roofers but we're seeing it everywhere.

Andy Metzler:
There's a stat from Cisco, who's one of the biggest companies behind the scenes as far as cloud management data. They have two billion threats across their networks every day. I mean, that's really a staggering number if you think about it. They're one of many providers. So that's just one provider that's seen two billion threats across their network. It's one of those things where, if it hasn't happened to you it's probably going to. Whether or not they're going to act on it immediately, or they just have your data. Obviously, their cyber criminals are just trying ... They throw a large net out there and they try to see what they can catch and slowly work through it. Those statistics alone.

Andy Metzler:
There's another one. The FBI said that there has been a 400% increase in cybercrime since COVID. Obviously, COVID is another thing that has impacted every part of our industry, every part of our world, both personal and professional, and it's forced us, for better or for worse, to become more reliant on technology. More people are working from home, more people are working remotely, and I don't think we're going to be going backwards from that. I think it's one of those things that's going to settle and be a new norm to some degree and so there is more exposure there. Anytime you're using systems, especially that are outside of your office to connect, you're moving data back and forth, whether or not you know it.

Andy Metzler:
90% of all incidents involve email. I mean, we're all on email. It doesn't matter what our job is, we are relying on it. We all have, probably at some degree, had a conversation about phishing emails and all the different ways they can sort of mask it and make it look like it's coming from somebody. That is definitely the primary way that they get in. Especially to most of the roofers out there, I think the next stat is really more prevalent.

Andy Metzler:
61% of cyber incidents occur in small to mid-size businesses. The big ones you hear about, and we'll talk about some examples. For example, CNA. NASA got hit. I know NRCA put out a great piece that had NASA and Apple on there. Everyone gets hit. The big ones you hear about, but their primary targets are small to midsize because they know that's where the vulnerability is and the systems are going to be less sophisticated, and the employees might be a little less educated to look for those things so their opportunity, even though the money won't be quite as big to them, is going to be a lot bigger. So 61% are small and mid-size businesses. So it's definitely a risk we all need to be thinking about.

Andy Metzler:
And finally, there's a ransomware attack, which is exactly what we're talking about, a cyber attack every 14 seconds somewhere in the world. Like I said, it's pretty much inevitable at this point. The stats are really scary and it's just a matter of educating ourselves, getting our systems up and running, and protected as best we can. And then, obviously, like we do with everything, ensuring that liability to make sure if something does happen we can sustain our business.

Heidi Ellsworth:
Wow. Okay, so on that note, Cheryl, those are some scary stats. Just so everyone knows, NRCA with Andy and Cheryl leading the way, are offering insurance policies now for cyber risk. How did this start, Cheryl? How did this come about, the NRCA wanted to offer this?

Cheryl Ambrose:
Well, it started like so many oftentimes things do with a conversation. NRCA's always looking to find ways to expand their offerings and their services to members and identify new areas that may not be served as well as it could be. Of course, Tom Shanahan, our vice president of enterprise risk management, has been integral with this program and all of the insurance programs. Early on, another member of the Metzler team, which was Rob's dad, reached out ... Or, Andy's dad Rob. Sorry about that. Reached out to Tom and they had a conversation. As Andy said, they had identified more and more that they were seeing it in their clients as a need and thought that might be something good that NRCA might want to take a look at.

Cheryl Ambrose:
And so from there, it was presented to the insurance board of governors. They got behind, got on board. The executive committee then of, course, took it in front of them and they said, "Yes, let's move forward." And coincidentally, in the whole process of that discussion, learned that one of the executive committee members, one of NRCA's members, had actually experienced a cyber attack in his company. Needless to say, everybody was very understanding of the risk and it was not a hard sell. It was something that frankly, I think was easy to get on board with. So much so that NRCA took a look at the policy this year and we're actually insured. NRCA itself is insured this with this policy. Put your money where your mouth is I guess.

Heidi Ellsworth:
Exactly. I know we're looking at it.

Andy Metzler:
As I said, my dad's been involved with NRCA, obviously, as roofers being his primary client for quite a while, and with their mission of informing, and educating, and advocacy for roofers and endorsing insurance programs to protect its members. As we ran into attacks and issues on our end, my dad just said, "Hey, this is a perfect thing." He said, " Let's get out ahead of this." And, obviously, there are benefits to our end, but also a great partnership opportunity with the NRCA to expand both our portfolios. And, obviously, it's something that's a new risk, something we need to get out there. It just was a perfect match. Let's get all the information out there and start talking about this.

Heidi Ellsworth:
I think that's really good. Well, tell us about the program, Andy, how does it work?

Andy Metzler:
Sure. We took a look at a lot of products. As some of the roofers might know, a lot of the big insurers are actually retreating from this avenue. They're very numbers based, and when there's a new risk out there a lot of them, especially as that risk as we saw from the statistics earlier is growing exponentially, they get scared. So they either increase their prices significantly or they back out of that arena, and that's what we were starting to see a couple years ago with some of the bigger carriers.

Andy Metzler:
I think some examples are ... Before I even get into that, are particularly relevant right now. For example, CNA, who everybody knows, they are the major backer in the construction industry, they're a major backer of NRCA. They were shut down last year. I'm sure almost everyone was impacted by it. They had six weeks where their systems were shut down, they couldn't issue policies, they couldn't quote renewals, which was during our major renewal season. They had no access to their email so they literally would pick up the phone and call people for six weeks.

Andy Metzler:
And at the end of the day, they found out what pretty much everybody else finds out that, the FBI says, "Look, we can't find these people, they're very sophisticated at how they do this. And if you want access to your data you need to pay them." And after six weeks, CNA paid over $40 million just to have their systems turned back on. I say that because now think about that for you as a roofing owner, or a roofing CFO, or the insurance person that's in charge, how would ... Obviously, CNA's big enough where they charge ... The demand was probably higher, but it's going to be a substantial number and one that a lot of companies don't have that cash sitting there.

Andy Metzler:
My own company was hit, I think it was nine or 10 years ago. We didn't even know what Bitcoin was, our systems just shut down. It's the exact same thing. We called the FBI and they said, "We don't know how to track these people." And the guy just wanted some Bitcoin and we had no idea what it was at the time, now everybody knows what it is. We ended up paying for it and they unlocked the system. That's the MO because both sides know that if we pay they're going to unlock it. If we don't, there's basically nothing you can do.

Andy Metzler:
And then finally, the last straw for us was our biggest client, an NRCA member, one of the biggest roofing companies in the country was hit. And luckily, by stroke of luck, we had put cyber policies into place but there were some parts in the policy that covered this specific type of attack and, in particular ... This hits on what the program is so I'll get out ahead of it. This was one where they actually tricked the client into legally sending the money to them. From a crime perspective, it's not like the criminals broke in and stole money directly out of the bank accounts, they actually were sent the money legally but it was through a phishing email, it's called social engineering. It's one of the major issues out there where they trick somebody, made it look like it was coming from us, faked our invoices, and got our client to repeatedly pay into a bank account that wasn't ours.

Andy Metzler:
So you think God, how could that happen? But when you start dealing with lots and lots of transactions, and invoices, and all the different stuff that people are doing and just trying to get done quickly, and you have a trusted relationship there. And one little tiny letter changed in an email that nobody noticed until all of a sudden we started looking down an email trail and hey, why have they not paid this invoice? And then we started getting into it and it ended up being over a $400,000 claim that was luckily, basically, all covered under this policy. We had, like everybody out there, trial by fire. So we immediately called all of our clients and ended up finding out that a couple of them had cyber issues through their bank or through other various things. So not only did we put this product in place for all of our clients, but then that's when my dad realized hey, there's a much bigger issue and opportunity out there than just our book of business, and a larger Acrisure book, and then the NRCA book.

Andy Metzler:
In particular, I don't want to bore people with all the details of what a cyber policy is. We have put some good resources up on the NRCA website where you can ... And, obviously, we can get into this, but once we give a quote we send you the full policy, and I'm there, my team, to walk anyone through whatever questions they have about how does a cyber policy function? What does everything cover? But basically, it covers the business interruption exposures faced by any business relying on technology, so that's all of us for its day-to-day operations, as well as privacy risks exposed by the storage of the sensitive data. So a lot of us have data on our systems. You might not think about it, but even if it's not third-party information, if it's your own employee information, a lot of us have that somewhere. We're storing it either on a cloud system or in our own systems social security numbers, everything. That's a privacy risk that if somebody gets a hold of that data, the owner of the company is going to be liable for that.

Andy Metzler:
And then finally, the very real and growing risk is cybercrime and the cost associated with that cyber incident response. What we really need to understand about a cyber policy is it covers two major things. It covers the data and the systems, and that's one of the main coverages. If anybody gets in there, screws up your system, locks you out of it, accesses your information, that is one part of the policy. And then the other part is actually cybercrime so literally stealing your money. So it's two main things that we're covering. It's either your financial assets or your actual systems which cause a business interruption, which is you understand whether it's compromising your data or just shutting you out of your systems, you can't communicate with your clients. There's a very real liability there.

Andy Metzler:
And then one of the other additional little things. We made sure we searched the market and found a best-in-class product that ... All insurance products have a lot of little caveats in them and a lot of little bells and whistles. This one particularly had that we really liked that we didn't see in any others was that the personal financial assets of the owners and officers are also covered under this. As you know as a small business owner, your personal finances are very tied to the strength of your business, and often there's a lot of funds and things going back and forth there. So if somehow they're able to access you or your office in it, that's also covered. It's deeper than that, and there's a lot of things to consider, but that's really the two main risks we're talking about is your business interruption and actual theft of your financial assets.

Heidi Ellsworth:
Wow. That's a lot. That's scary, I'm just saying. I'm just going to say small business owners or any business owners, think that this type of cyber risk is covered in their normal insurance policies. What you're saying is, a lot of times it's not. So how does this policy through the NRCA span that gap between the policies you have and what you need?

Andy Metzler:
It's a great question because as everyone knows insurance companies learn from the past. Policies that started off very general in general liability or crime, which is usually in sort of a management liability package, almost everyone has a crime policy, five, 10 years ago might have covered some of these risks, but as we ... Or there would be a small supplement for data is what we'd see, which you might have a million dollar GL but then there'd be a $25,000 little throw-in. Part of what I was talking about earlier where there are all these little throw-ins that most business owners don't even realize are in there because you never really have to use them and it's not the main focus of the policy. Insurance companies are smart about protecting their risks so a lot of the things, as these risks, are becoming more and more real and they're understanding how the criminals are accessing, are being specifically excluded from those policies.

Andy Metzler:
So for example, a crime policy doesn't cover that social engineering risk that we talked about earlier unless you specifically add that social engineering rider onto it, which most of the companies are starting to not really want to do, and they typically do it at a much lower limit. There's a few little overlaps, but usually only if you request them. And I think as the years are going here, those are disappearing as they're being excluded from traditional policies. And for that exact reason, every company now has cyber policy options that say, "Hey, this is the risk you need to be covering. You need to be covering under this policy because it's specifically designed to cover all those different things."

Andy Metzler:
And I think the final thing I should probably mention, which goes back to the program itself. Actually, the former president of the NRCA, Rod, with Ridgeworth Roofing. Rod Petrick is one of our clients, and he had a great question. We were going through this and he said, "Hey, this is great and I need one et cetera, everybody needs one, but what are the tools that are coming with it?" Not only what is the policy. One of the things that's great about this is it comes with a lot of tools to help companies prepare and look for these cyber risks, and that's a crucial component of this. Obviously, the insurance companies don't want to have to pay a claim so they want our companies to be educated, and they want to give you as many tools as possible.

Andy Metzler:
We have a couple different things that are automatically included in this. They've partnered with specific companies that tackle these things. So for example, there's Cyber Risk Aware, and this is all included, it's part of the policy, which is an e-learning tool that tackles the human vulnerability that's in your business. Obviously, most of the time humans accidentally open an email or open an attachment. It's not something they're intentionally trying to do, but that's the risk is they're just trying to get through their job. And an employee does something and all of a sudden opens the door. There's a tool that really helps your team identify and prevent those phishing attacks that are specific to the social engineering risk.

Andy Metzler:
Then they partnered with another company called NINJIO, which offers a large library of Cyber Risk Awareness videos. A great tool that we can go in and look at all and help all of our key employees with a quick hour, two tutorial looking at some videos. Really get a better understanding of hey, this is how they're going to try and attack us, just look for these simple things, and then that'll help us hopefully, maybe prevent this from happening before they actually get in. Then there's a company called Byte Size, which actually reviews your internet presence, looks at the dark web, and then gives you a cybersecurity rating and says, "Hey, here are your vulnerabilities." It's one of the first things that we do once the policy's put in place. And so they look and make sure you're not already out there and exposed, and then help you address those problems.

Andy Metzler:
And then finally, there's a company called Skurio, they partnered with, which is a breach monitoring service which continually searches the dark web for information specific to your organization. So once you buy this policy you go into their database and they are constantly looking for you. The criminals cast a very large net, so your information might already be exposed they just haven't gotten to it yet, and so this is a great way to maybe head that off and say, "Hey, we found it out there, let's lock down our system, change the way they ... Figure out how they got in and make those adjustments before they actually can access that data. And then CFC, the company behind this, has an instant response team that also helps you as well which we'll talk about as part of the app. Where if you do have a breach, they have a team that says, "Okay, we're going to put together a plan. We deal with this all the time, here's steps one, two, three, four, five how we're going to tackle this and let's get you back up and running as soon as possible."

Heidi Ellsworth:
What I really like about that, Andy, is there's so much preventative, right? There's a reactive and there's also the coverage, but there's a preventative because employees ... And I think Cheryl, I think through this the same way when you're thinking about health insurance, right. There's really great health insurance programs that have preventative be healthy, eat the right way, exercise. And it's like this is a preventative program for your computer system and your IT to make sure it all goes together.

Cheryl Ambrose:
Absolutely. It really comes in a whole umbrella of risk and safety. Exactly to your point. Being proactive and not waiting until disaster happens to find out that you have possibly a gap in coverage. I really want to hit back on what Andy had said earlier. We were talking about, in the very beginning, whether we thought the majority of the roofers realize it's a liability because they may think they're actually adequately covered under another policy. And would really encourage them, if that's the case, to just go back and double-check that. And Andy is a great resource to reach out to, to help pick through that because it gets into a lot of stuff that we're not experts on, we do our thing. And they're roofing contractors and they're not ... All the nomenclature and the language in there and Andy can help sort through that. That is what makes I think this such a great partnership. And it's a fairly quick process from what I can see.

Cheryl Ambrose:
I mean, the whole idea, and I might be jumping ahead here, but really just with all of the NRCA programs, this one just really fits right in to help in that menu of things that we've identified as potential risks, serious risks that our membership should be looking at from a protection standpoint. The easier we can make it for folks to access that information, which is the goal through the website through either reaching out to myself or anybody on the risk team or Andy directly, is to get that information in front of them so they can make a great educated decision for their business.

Heidi Ellsworth:
It's been such a bonus to have NRCA provide insurance across the board. Just for everyone out there, this cyber is one program but there are ... As you're looking at NRCA offerings, there's healthcare and there's all kinds of insurance programs that they are working to help reduce your risk, and also help provide benefits for your employees. Andy, go ahead.

Andy Metzler:
I was going to say, Heidi, I think Cheryl brought up a couple great points there. I think there's two types of people that we're speaking to right now. One is the company that doesn't have this covered so it's an uninsured risk. And hey, we need to at least talk to you, and look at it, and make sure you fully understand the risk that's there and hopefully quote, and get a policy in place for you. But there's also the companies that have put some sort of policy in place. And like you said, roofing owners and roofing CFOs, they're experts in roofing, they shouldn't be experts in insurance. They should know the general stuff and make sure they're covered, but at the end of the day, that's what we're here for as a resource.

Andy Metzler:
I do not mind spending time looking at policies of a company that says, "Hey, here's my cyber policy, how does it compare not only from a price standpoint" ... As I said earlier, we feel like we have a best-in-class product so I'm happy to look at the current policy in our policy and say, "Hey, here's apples to apples, you've either got ... There are other great policies out there, obviously, they're in place, and maybe we can beat that on price maybe we can't." I'm happy to be a resource. And that's a great point, Cheryl, is not only for the companies that don't have this but also the companies that do, they might be underinsured, they might have an antiquated product, they might have a good product, but it maybe provides some peace of mind to just do a review of it like you would do with anything in your portfolio.

Andy Metzler:
Also, to your point, Heidi, as everyone probably isn't familiar with the NRCA website, if you go on it and click the resources and go to insurance, you'll see the NRCA endorsed insurance tab, and that's where this program is along with the other ones you're referencing, it's right at the top. And one of the other things that made us think this was such a great fit is, we know how busy roofers are, and insurance is just one of those things I know most people don't want to deal with. They want to know it's there, save my company if we need it, but at the end of the day I don't want us spending a lot of time talking about it, I need to focus on what makes me money.

Andy Metzler:
And what's great about this is, we really need five very, very quick pieces of information that every owner would know, basically. What's your website? How many employees do you have? What's your basic revenue, very high level? And that's all on the request of copay. So it literally would take you less than a minute to input that data. I take that, put it into our system, and can generate a quote, show you the whole policy, and I have a good recap email that I send. Something that's not time-consuming at all to really go through and do a review, and we can take on the brunt of the majority of that sort of comparison and time suck, and then just do a high-level review with people. It's a very good fit and hopefully something that people find very efficient.

Heidi Ellsworth:
That is perfect. That is awesome. And I love it. And I love the fact that you give a little bit of information but you give back. That makes life so much nicer for all those people out there who are CFO, CEOs, whoever are trying to work on this. I mean, wow, what great information. We're right at the end of our podcast. And one of my questions was, how do you do it? And you answered that Andy, so I'm so happy. NRCA.net, go under the resources, and you can find all this information. You can reach out to Cheryl or Andy anytime. And, of course, you can always find all that information on the directory on Roofers Coffee Shop for NRCA. We keep all of that there and we're going to have some articles out on this. We're going to keep following up with this, I think it's really important for all of us. So Andy and Cheryl, I just want to say thank you so much for all that great information.

Cheryl Ambrose:
Well, thank you, Heidi, for having us. We love to be able to get the information out there. Always love to be able to hang out with Andy. He's a plethora of information so I always learn something new when I'm talking to Andy.

Heidi Ellsworth:
I love it. I love it.

Andy Metzler:
I appreciate your time as well, and I look forward to hearing from a lot of the NRCA members out there, whether it's just catching up and reviewing quotes or hopefully providing a nice new piece to your insurance portfolio. I appreciate the time and always good to talk to you both.

Heidi Ellsworth:
Andy, Cheryl, thank you, thank you so much. Thank all of you out there for listening to this podcast. Please take this information, share it, get it to your company, get it to different folks in your organization because you want to be safe, you want to be covered in case any of this just nasty cyber stuff comes your way. Thank you all for listening. Be sure to listen to all of our podcasts, which are on rooferscoffeeshop.com under the RLW area under podcast or on your favorite podcast channel. Simply look us up, Roofers Coffee Shop, subscribe and hit the notifications so you don't miss a single one. We will be seeing you next time on our Roofing Road Trips. Have a great day.

Speaker 1:
Make sure to subscribe to our channel and leave a review. Thanks for listening. This has been Roofing Road Trips with Heidi from the Rooferscoffeeshop.com.