Use These Building Codes To Defeat Insurance Adjusters | Code Compliance
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- Опубліковано 1 тра 2023
- I share my favorite building codes for building code compliance in this video, flashing, decking, roofing, water damage... building codes to defeat insurance adjuster for insurance restoration contractors. The International Code Council publishes the International Building Code (IBC), the International Residential Code (IRC), the International Energy Conservation Code (IECC) and more.
For tickets to live training events like this one go to: buytickets.at/insurancerestor...
Please let me know what your thoughts are below.
Keep winning, my friends... Much love and God bless!
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Who is Chad Michael?
Chad Michael - also known as “The Practitioner” - is the founder of the “Insurance Restoration Training” platform and the “IESCertified.com Online Training Program”. Chad is the pioneer of “The Practitioner Podcast”, the founder of OverheadAndProfit.com and is also featured on the Insurance Restoration Training Official UA-cam Channel. He is a public speaker, trainer and serial entrepreneur.
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For another valuable playlist for Insurance Restoration "Sales & Marketing Strategies & Tactics" please visit here:
👉: • Sales & Marketing Stra...
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For my online training course on Inspections - Estimates - Supplements (IES), please visit here:
👉www.IESCertified.com
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Other highly valuable UA-cam playlists on this channel:
👉Commercial Insurance Restoration: • Commercial Insurance R...
👉Client Consulting Meetings: • Client Consulting Meet...
👉The Code Game: Using Building Codes To Win: • The Code Game: Using B...
👉Breaking Down Insurance Adjuster Xactimate Estimates: • Breaking Down Insuranc...
👉Inspecting & Photographing Hail Damage: • Inspecting & Photograp...
👉Podcast | The Practitioner: • Podcast | The Practiti...
👉Insurance Adjuster Strategies: • Insurance Adjuster Str...
👉On The Grind | Inspiration: • On The Grind | Inspira...
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For another highly valuable series of mine that covers how to write Xactimate estimates and actual insurance claim supplement case studies, please visit my highly acclaimed series called: "What's Wrong With This Insurance Estimate?", which you can access all episodes here:
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Episode List:
For Episode 01 visit here:
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Episode 02 is here:
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Episode 03 is here:
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Episode 04 is here:
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Episode 07 is here:
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Episode 08 is here:
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Episode 09 is here:
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Episode 10 is here:
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Strategy. Consistency. Diligence. Dedication. And most importantly of all, putting in the HARD WORK... that's REQUIRED... to WIN IN THIS GAME!
I'll see you at the top!
- Chad Michael
#ThePractitioner
For tickets to live training events, go to: buytickets.at/insurancerestorationtraining
For the online training course go to: www.iescertified.com/
Excellent. Ty
Chad this was great. I’m a homeowner in Colorado who had a house fire and the insurance company’s initial estimate wanted me to just replace everything but with the code requirements and everything I’m going to have to end up replacing the foundation and starting everything from scratch. So I got bids, built a xactimate estimate and now submitted that to max out my coverage limits and get this done properly.
This episode and a few others from you have taught me a ton! I’d love to be a case study of you ever wanted one from a homeowner who did this on their own
Thanks so much for watching and for that awesome comment. So sorry to hear about the fire. Keep your head up and continue working hard. Much love! 💖🙌🙏👊😉
My man you're giving out golden info about the game. Much love and keep up the great content.
Thanks so much brother for the awesome comment. I appreciate you watching! Please keep in touch! 💖🙌🙏👊😉
Always badass info! Thank you, Chad! Regarding water soaked layers and decking, does it apply to layers and decking that HAD BEEN soaked at one point, and now dried, based on interior water damage?
Yes sir it absolutely DOES apply. Thanks for watching and for the comment! 🙏💪👊😉
A few months ago I had A I insurance company approve a roof that they originally did not want to pay and was going to originally deny , then the tryed to dictate that the roof was only worth $11,500,, then all kinds of c&o or law and ordinance work had to be done in order to do roof correctly and when they got final bill, they told owner that he didn’t have codes and ordinance coverage and that’s all they were going to pay lol,, fast forward 2 months later and all of a sudden my attorney made them settle for the remaining $20,000 ,,, isn’t that amazing that they ended up still paying for the roof plus now they had to pay the attorneys fees too😆
Thanks Chad for all of what you do to help contractors that don’t know how to navigate and never take No for a answer from insurance companies,,,keep bringing the videos and the receipts,,
I love it, brother!!! Those clients were blessed to have you, my friend! Great job being an advocate that they needed and when they needed. I appreciate you watching and for the great comment! Much love! 🙏🙌💖👊😉
Does that code R908.5 also apply for commercial roof assemblies?
No. That is from the International Residential Code (IRC). You would need to go to Chapter 15 of the International Building Code (IBC). Thanks for watching and for the awesome question! 🙏🙌👊😉
I'm currently fighting against an adjustor who is denying a full roof replacement, but they are already paying for the Front slope being replaced. We're using GAF shingles and the manufacture instructions want us to overlap the Felt paper to the opposing slope. This violates IRC code, so I would assume we can use code and ordinance to justify a full replacement. They are still denying it after the information has been sent and I've called their manager several times while pushing code and instructions. They now want to get an appraisal. I want to keep escalating this but I'm not sure if they'll budge. What are your guy's thoughts? Enumclaw is the carrier.
So does that mean they haveta pay the full coverage? Or just on the items you spend on? Someone drove through my home and I’m trying out my first home, I’m 27 and I have 8,700 in OL coverage. How do I get them to send the full amount? I live in Oklahoma and is it itemized or is it that if it’s a building code area they pay the full amount?
It means that any part of the repairs that are only necessary to perform because of items needing to comply with building codes they will pay up to $8,700 for those items… in addition to all other repairs that are a part of the job that aren’t code compliance related. I hope this helps. Thanks for watching and for the comment! 🙏🙌👊😉
OL only applies if it is a “enforced code”. Must be able to produce a permit.
Again I disagree. Thanks for watching and for the comment. I hope you are doing awesome. It’s been a bit. We should get together soon. 🙏🙌👊😉
My adjuster has ask me to get a letter from the city saying that they enforce section R905.2.1
How should I handle this?
Check the city building department website to see which version of the International Residential Code they have adopted. Screenshot that page and make sure it shows the url address to show it’s the city’s website. Then go to that version of the IRC and screenshot R905.2.1. Send both images to the adjuster and tell them that the city does indeed require the code. If they push back any further ask THEM to provide a letter from the city that they do NOT require it. If it keeps going from there, email the city attorney and ask if there are any of their municipal codes that they do not enforce. Don’t use a construction company email address. Just use a normal one and don’t ask specifically about construction codes… just all city codes. Send the reply to the adjuster and tell them to kick rocks. Kidding about the kick rocks part. Be professional, courteous and polite. If the adjuster doesn’t understand how codes work, educate them… In so doing, you are making the world a better place! Thanks for watching and for the awesome question! 🙌🙏💖👊😉
Code does not always means a payment. Know your policy.
Agreed. And 'law' does not warrant policy coverage but homeowner responsibility.
But still awesome information.
If they have Ordinance and Law (OL) coverage it actually does warrant coverage. Thanks for watching and for the comment. Sorry it took me so long to reply. 🙏🙌👊😉
@InsuranceRestorationTraining you don't have to be polite to dip shits. But I'll be an asshole for you. "Ordiance and law coverage," appropriately named, does in fact mandate approval because in building code terminology, the "strictest shall govern.
For example, say the city enforces code on manufacturer specifications, and they paid for a single single repair on a shingle that is currently available at your local supplier. The roof doesn't have iws or felt on the location the insurer mandated a repair. This is a replacement on contiguous roof surfaces because code mandates iws and felt overlap hips and ridges 6 inches, and iws on eaves, hips, and valleys. This is an intellectual topic that requires more than just the rules your carrier pretends doesn't exist. A real contractor or GC adheres to rules and has attorneys that will enforce proper coverage, until next time.
What is your advice when they have a policy that doesn't include coded and ordinance?
That’s a tough hill to climb, to be honest. If they don’t have the coverage, there isn’t a ton you can do. You can try to focus on manufacturer requirements and focus on what is needed to pass an inspection. The insurance company may allow certain items to be included but it will be very strict and tight. The best policy is to make sure they have the coverage in the beginning. Hopefully if they don’t, you know about it right away in the beginning of the process. I hope this helps, brother. I know it isn’t much. Thanks so much for watching and for the great question! Please stay tuned! 🙏🙌💖👊😉
Just ran into this with all state
It’s simple, no payment per policy.
Rot is rot, wrong teaching.
I disagree. Thanks for watching and for the comment. 🙏👊😉