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Last Post 03/03/2010 11:53 PM by  tleitch
Relationship b/t adjuster and roofer
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AJ
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12/10/2009 11:13 AM

    Hello everyone-

    I am new to the forum/site, and was just wondering what kind of relationship between an adjuster and roofing contractor can exsist? I am actually a roofing contractor who wants to know if it is ok to try and build an honest relationship with adjusters. It seems like yall could benefit from working with a good roofer (and making us climb the roof).

    There is hail damage in my area and yall should see these sorry so called "roofing companies" who are doing all the work (no license, no insurance, no bonding). I have even seen people who have never worked in construction a day in their life make up roofing signs and get all these jobs. I really think something is going on....like so called "roofers" paying adjusters to lock in a roof job for them, or something. One of these fake roofers has hired us to roof for them, because he obviously isn't a real roofing company! Anyways, shouldn't insurance companies make sure the contractors doing the work are licensed and insured? I think it would be a great way to get all these scum bags out of here! They are really hurting our area of work!

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    claims_ray
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    12/10/2009 12:07 PM
    An adjuster working hand in hand with a roofer in the manner that you suggest is just asking for troubles. The insured could claim that they were forced to use this roofer when the adjuster presented him to them at the time of inspection.

    It is not the insurance companies responsibility to determine who makes repairs to the risk. In the State of Texas there is no requirement for a contractor to be licensed, insured or bonded unless there may be municipal requirements. Under your premise an insured could not perform his own repairs unless he was the owner of one of these companies and that would never fly.

    Compitition is the cornerstone of Capitalism so suck it up and go out there and compete.
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    AJ
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    12/10/2009 12:17 PM

    Maybe I should suck it up and get more aggressive?? We are very competative....the cheapest roofer in our area that has a license, insurance, bonding, BBB, etc. but it is hard to compete with roofers that have adjuster "friends". It's impossible...maybe I should forget about roofing and become an adjuster!!

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    JimGary
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    12/10/2009 12:22 PM
    I would suggest that the relationship would depend on the ethical backbone of both the adjuster and the roofer. I started in auto, and have always had a good relationship with the local shops. As I moved into property I began building relationships with roofing, flooring and other contractors. I obviously do not direct insureds to use certain contractors. But if my opinion is solicited I will give a honest opinion. Since I now travel to storms, I do not have the relationship with any vendors that I do the local guys so that is a non issue on the road.

    JWG
    I know the voices aren't real, but sometimes they're right!
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    AJ
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    12/10/2009 12:50 PM

    Thanks for this input. I just want honest relationships and I want homeowners/insurance companies to hire a reputable roofing company. I want to be available to help adjusters, and I want them to know me by name. We have been doing a lot of ins. claim jobs and just wanted some advice to how to offer myself to adjusters. Do yall think its rude when a roofer calls you or emails you? I'm not bragging on myself but I'm from a small town, family oriented (two small children), positive presense in my community & church. I have high morals that carries on in my roofing business. And most adjusters seem very professional/high standards. We are a smaller family owned company, not a money hungry storm chaser or anything. Check us out at www.passmoreconstruction.com I don't want anyone to get the wrong idea about the reasoning behind wanting to build relationships with adjusters. I just wanted to hear what yall think is a good way to build these relationships and how to even get my foot in the door.

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    Ol' Ghost
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    Posts:279


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    12/10/2009 2:41 PM
    Here are the Brave New World requirements for contractors, particularly roofers, to get in good with adjusters.

    1. Retain the exclusive services of ALL of Tiger Woods girlfriends for up close & personal marketing.
    2. Buy an extra large and extra nice R.V. for your new marketing department.
    3. Stock it with beverages and vittles suitable for new weekly marketing themes by your staff.
    4. Provide certificates of competency and complimentery health cards for staff and clients.
    5. Prohibit the use of hidden cameras or recorders for Quality Assurance purposes.
    6. Free covered parking is always popular.

    Feel free to confer with your mother, wife, her mother, and all religious advisers for their input on this sterling concept.

    Next week, can we expect you to visit again so we can divulge the secrets of becoming an over night sensation in the Storm Trooping Industry?

    Ol' Ghost

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    Ray Hall
    Senior Member
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    Posts:2443


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    12/10/2009 5:21 PM

    Just sell roofs to people who needs roofs and your reputation will follow you. It takes some time and deveral years to get this reputation with insurance adjusters, unless you follow ole gost template.

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    BennyBulger
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    12/11/2009 2:39 PM
    Ol' Ghost is obviously unaware that Tiger changed his name today. He will now be called Cheeta Woods.
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    azdogman
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    12/20/2009 4:18 PM

    Turn them into the ROC. Here in az they would get in trouble for contracting without a license.

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    Ed Bailey
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    01/20/2010 2:44 AM
    There is no greater gift that a person can give to themself than honor. It is doing the right thing when no one but you may know it.

    There is an old saying that goes.......... "live your life as though it will be reported on the news every day".

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    Ol' Ghost
    Member
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    Posts:279


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    01/20/2010 8:59 AM

    There is another old saying that goes, 'Living your life in fear of what the gossips will say is the same as being dead.'

    I prefer another old saying, 'March to the beat of your own drum.'

    Old Ghost

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    Medulus
    Moderator
    Veteran Member
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    Posts:786


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    01/20/2010 11:00 AM
    Old sayings.....Hmmm....How about, "If you've got one son, you've got a son. If you have two sons you've got half a son. And if you've got three sons, you don't have any."
    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    HuskerCat
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    01/20/2010 12:58 PM

    It's a fine line to walk when dealing with adjuster/roofer relationships.  In my staffy days, a herd of IA's were deployed to Omaha to assist us on a large hailstorm.  One of the gents accidentally attached a signed contract from a TX roofer in his paperwork that he turned in to me.  I called the homeowner, and was advised that the roofer was riding with the IA and came into the house to sell the job before the IA had even inspected the roof.  We pulled all of the IA's files and contacted the insureds, getting the same story from all.  And can you believe it?  So many of those files had identical roof damage photos!!   Needless to say, reinspections were performed and that particular IA was shown the door not only by us but also by the IA firm.  His roofer buddy was in close pursuit, and left several jobs in limbo after having already collected partial payments from the homeowners.   The fun had begun and the phones lit up. 

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    Ray Hall
    Senior Member
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    01/20/2010 3:22 PM
    Yea kinda hard to find an honest crook.
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    Ray Hall
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    Posts:2443


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    01/30/2010 7:15 PM

    This is a hypo question. Many of the large carriers have a long list of adjusters that they ask for when the carrier call,s the vendor and these are the people who have been very good on all the things it takes to be an "A" catastrophe" adjuster. And how many losses do these "A" adjusters close per day day after day week after week and how many hours per day, 16 hrs x7=112 hrs per week divided by42 cosed files=3.75 hrs per closed file.

    Now regular claims occur each day and adjusters have to work the file. The large carrier has this knowledge also and calls 10 "A" adjusters in a lcity and contracts direct with the adjuster and pays the adjuster $50.00 per hour to work from home, and $1.50 per mile for drive time and auto expense. The adjuster works a $20,000 roof, water, fire or theft loss for $187.50 and 100 miles @ $150.00 or $337.50 total x6=$2.025.00 per day.

    Ever catastrophe adjuster in the US would try to get on an "A" list right and stay home forever. This would last a few weeks and then you would have to prorate the drive time and milage to $100.00 per file, with no photo charge. And your assignments would be more like 3-4 per day. Thats the way it really is........but thats a god send for real.

     

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    tleitch
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    03/03/2010 11:53 PM

    Just do good work and it will payoff!!!

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