As a newer adjuster, and working for State Farm mostly for a couple of years, I really wish this video had been played anywhere along the line. This is really good even from the adjuster Point of view
Thank you, Chad. Dealing with insurance from a homeowner's perspective is a nightmare. Trying to find a contractor is becoming a full-time job since they all must be crazy-busy as to not be able to return calls. When I do find one, I will be referring them to you. I am sure my adjuster missed a boat-load of stuff. My wind damaged home is considered a rental (we put a down-payment on it and our adult kids pay rent) Thus we have a rental policy through State Farm. We just found out that they will not cover anything that needs to be brought up to code, but that comes out of OUR pocket (Yikes! It's an old home), as the adjuster says, "we provide replacement of only exactly what you had". This is a total roof replacement with some rafters and interior stuff ( a tree fell through the house), as well as water damage and a bit of fire caused by the tree. Thanks for sharing. I will be referring you. Any advice appreciated ;)
The owner needs to know if they can't pay the contractor, they will put a lean on your house. The insurance company is there to restore you based on your policy, the contractor is in it for a living.
As a bill collector this is one of my biggest arguments with the sales reps... Collections start with sales and the "impression" they give the customer.
@chad michael, just want to say im a pretty new public adjuster about 7 months now and your videos are awesome! was looking for a way to real[ly master my craft and offer my clients a better product while Im being mentored by a seasoned veteran its nice to boost the process watching your stuff keep it coming!
Hi there. Thank you for making this content. I am a contractor who has just gotten into this field and your videos are really demystifying things! Is it worth it to work for a client who wants to do less work than what the insurance estimator (State Farm) has prescribed? I sent an xactimate to the adjuster and they came back with a revised one. I'm feeling pretty good about the revisions (i gained more $$ into the project yay). However, the client is asking me to do only $30,000 worth of work on a $93,000 RCV... and I guess keep the rest. Is this common/normal? Will my client still be able to get the recoverable depreciation?
FYI : in Michigan contractors are prohibited under MICH law from negotiating settlements with insurance companies. They can not basically act as if or hold themselves out as a public adjuster. Btw, I am a PA in four states.
Michigan is the only state that does not have punitive damages in pip claims. That is cruel and they haave free reign to constantly cut you off for no good reason too bad. Unjust rule. Insurance commissioner said his hands are tied. With &$$$&
Hello Chad, I Greatly appreciate your teachings. I am wishing to know if it is possible to use a adjusters xactimate estimate and to add missing items. I am trying to avoid from recreating a entire home xactimate esimate when I already have the adjusters xatimate estimate that just needs some tweeking/ missing line items. God Bless You Chad
Great content! You described that adjusters are motivated to respond to and close claims quickly, which they do in part by avoiding adding items that they have learned are rejected by the desk adjuster - even if they are needed. But later, when the contractor comes to do the work and needs more elements added (some that may have been omitted earlier to ensure approval or there are code information missing), is the original adjuster penalized if new items need to be added once the contractor evaluates the situation in detail? Asked another way, are there clawbacks on their payouts or other penalties that create a disincentive to cooperate with the contractor?
Awesome question. My answer is that there is none that I know of or have ever known of. Thanks for watching and for the comment. Much love and God bless! 🙏💖👊😉
I am very very new at adjusting, but I may be able to answer this. If an adjuster misses items, depending on the amount and severity, it can cause them to owe payback or a fee to the client company. Some insurance adjusting companies will cover that and others the adjuster themselves will pay out of pocket. I learned this recently from a training video. Again, super new at adjusting, and if I am understanding the question correctly then as far as I am aware yes there are different types of consequences for missing items that a contractor or another inspector later notices. Good luck out there and stay safe :)
We have many many ia's who watch... I continue to receive great comments and messages from them. To be clear, the channel is from the perspective of the contractor. Which is also an excellent way for adjusters to see all vantage points. I have also had many adjusters popping up at my training events too. I respect the effort to gain knowledge from all angles. Thanks for watching and for the comments. Much love and God bless! 🙏💖👊😉
This was a segment from my IESCertified.com training course. The documents, forms, building code snippets and sample estimates are in the course. Thanks for watching, brother. 💖🙏👊😉
ELS LPS is the item and ELS LPSRS is the detach & reset code. Make sure you look at the Xactimate illustration though because it only includes a specific amount of linear feet. You will more than likely need more than one. I hope this helps. - Chad Michael 👊😉
I have a fire loss and the insurance company hired an company to do Xactimate. Insurance adjuster refused to correct the Xactimate scope of work and the adjuser required us to submit proof of loss in order to claim. Any advice please
You can still create the proof of loss because you will always need that regardless but always have the homeowner contact the Department of Insurance in your state to make sure the Insurance company is being fair. You can also call a Public Adjuster in your state to represent you in your state as well. Metro PA is a solid company.
lol, ... not scraping the popcorn ceilings, you are lying to you’re audience. This is a repair not new construction. Typical contractor always trying to double dip...
As a newer adjuster, and working for State Farm mostly for a couple of years, I really wish this video had been played anywhere along the line. This is really good even from the adjuster
Point of view
Thank you, Chad. Dealing with insurance from a homeowner's perspective is a nightmare. Trying to find a contractor is becoming a full-time job since they all must be crazy-busy as to not be able to return calls. When I do find one, I will be referring them to you. I am sure my adjuster missed a boat-load of stuff. My wind damaged home is considered a rental (we put a down-payment on it and our adult kids pay rent) Thus we have a rental policy through State Farm. We just found out that they will not cover anything that needs to be brought up to code, but that comes out of OUR pocket (Yikes! It's an old home), as the adjuster says, "we provide replacement of only exactly what you had". This is a total roof replacement with some rafters and interior stuff ( a tree fell through the house), as well as water damage and a bit of fire caused by the tree. Thanks for sharing. I will be referring you. Any advice appreciated ;)
The owner needs to know if they can't pay the contractor, they will put a lean on your house. The insurance company is there to restore you based on your policy, the contractor is in it for a living.
As a bill collector this is one of my biggest arguments with the sales reps... Collections start with sales and the "impression" they give the customer.
@chad michael, just want to say im a pretty new public adjuster about 7 months now and your videos are awesome! was looking for a way to real[ly master my craft and offer my clients a better product while Im being mentored by a seasoned veteran its nice to boost the process watching your stuff keep it coming!
Super informative content! Not only am I subscribing but I'll be checking out your website and anything else from you- thanks a ton, man
This was fantastic you should do more of these ..explaining what they’re missing and why really helped me understand!
I use roofr instead of eagleview. What do you think is better?
Hi there. Thank you for making this content. I am a contractor who has just gotten into this field and your videos are really demystifying things! Is it worth it to work for a client who wants to do less work than what the insurance estimator (State Farm) has prescribed? I sent an xactimate to the adjuster and they came back with a revised one. I'm feeling pretty good about the revisions (i gained more $$ into the project yay). However, the client is asking me to do only $30,000 worth of work on a $93,000 RCV... and I guess keep the rest. Is this common/normal? Will my client still be able to get the recoverable depreciation?
FYI : in Michigan contractors are prohibited under MICH law from negotiating settlements with insurance companies. They can not basically act as if or hold themselves out as a public adjuster. Btw, I am a PA in four states.
what states @robert R?
Michigan is the only state that does not have punitive damages in pip claims. That is cruel and they haave free reign to constantly cut you off for no good reason too bad. Unjust rule. Insurance commissioner said his hands are tied. With &$$$&
Hello Chad, I Greatly appreciate your teachings. I am wishing to know if it is possible to use a adjusters xactimate estimate and to add missing items. I am trying to avoid from recreating a entire home xactimate esimate when I already have the adjusters xatimate estimate that just needs some tweeking/ missing line items. God Bless You Chad
Empire Estimator is the company you need to get in contact. They can write estimate for you quick.
Hey Chad! I just came across your video and this is great content. ☺️
Thanks a million, Jay. Much love! 💖🙏👊😎
Great information
Thanks for watching and for the awesome comment, brother! 🙏🙌💖👊😉
Great content! You described that adjusters are motivated to respond to and close claims quickly, which they do in part by avoiding adding items that they have learned are rejected by the desk adjuster - even if they are needed. But later, when the contractor comes to do the work and needs more elements added (some that may have been omitted earlier to ensure approval or there are code information missing), is the original adjuster penalized if new items need to be added once the contractor evaluates the situation in detail? Asked another way, are there clawbacks on their payouts or other penalties that create a disincentive to cooperate with the contractor?
Awesome question. My answer is that there is none that I know of or have ever known of. Thanks for watching and for the comment. Much love and God bless! 🙏💖👊😉
I am very very new at adjusting, but I may be able to answer this. If an adjuster misses items, depending on the amount and severity, it can cause them to owe payback or a fee to the client company. Some insurance adjusting companies will cover that and others the adjuster themselves will pay out of pocket. I learned this recently from a training video. Again, super new at adjusting, and if I am understanding the question correctly then as far as I am aware yes there are different types of consequences for missing items that a contractor or another inspector later notices. Good luck out there and stay safe :)
So you always wait for an insurance claim before submitting your estimate?
Does this information that you provide apply to independent adjusters as well? Just want to make sure before I continue reviewing
We have many many ia's who watch... I continue to receive great comments and messages from them. To be clear, the channel is from the perspective of the contractor. Which is also an excellent way for adjusters to see all vantage points. I have also had many adjusters popping up at my training events too. I respect the effort to gain knowledge from all angles. Thanks for watching and for the comments. Much love and God bless! 🙏💖👊😉
Chad Michael - The Practitioner thanks so much your videos have been very helpful for me 😊
Thank you, brother! I'm glad you could find some value. Please do stay in touch! 🙏💖👊😉
Do you offer Estimate Writing Services For Insurance Paid Roof Replacement Projects?
Not anymore unfortunately. I’m out of that side of the business. I appreciate the question though. Thanks for watching! 🙏🙌👊😉
Thank you!!
🙏💖👊😉
Thanks for you informative videos. Where can I find the "contract" and other documents mentioned in the video?
This was a segment from my IESCertified.com training course. The documents, forms, building code snippets and sample estimates are in the course. Thanks for watching, brother. 💖🙏👊😉
Thanks!
Thank you so much, my friend! I appreciate your support. Thanks for watching and please stay tuned! 🙏🙌💖👊😉
Chad, thanks a million!!! How do I get to the links and description part. The initial contract specifically.
InsuranceRestorationTraining.com 👊😉
Great content
I have over six instance claims that need to get done
Awesome information!!!!
Does anyone know xactimate codes for lightning rods? Need to remove in order to do a re-roof.
Thanks!
ELS LPS is the item and ELS LPSRS is the detach & reset code. Make sure you look at the Xactimate illustration though because it only includes a specific amount of linear feet. You will more than likely need more than one. I hope this helps. - Chad Michael 👊😉
I have a fire loss and the insurance company hired an company to do Xactimate. Insurance adjuster refused to correct the Xactimate scope of work and the adjuser required us to submit proof of loss in order to claim. Any advice please
You can still create the proof of loss because you will always need that regardless but always have the homeowner contact the Department of Insurance in your state to make sure the Insurance company is being fair. You can also call a Public Adjuster in your state to represent you in your state as well. Metro PA is a solid company.
@@vedabrown8217 Okay! Thank you so much!!!
lol, ... not scraping the popcorn
ceilings, you are lying to you’re audience. This is a repair not new construction. Typical contractor always trying to double dip...
I see you are new to the insurance restoration industry. Thanks for watching, Mr Adjuster. No hard feelings here. Best of luck. 🙏👊😉