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fivedaily

USA
258 Posts

Posted - 04/22/2004 :  15:56:44  Show Profile
These are some of my observations about the site http://www.hailyes.com

First, raised a skeptic, I am extremely wary of anyone who is willing to go so far out of their way for me.

Second, this quote bothers me -
"It is a win, win situation and at the very least you get the peace of mind of knowing that your home and family are safe and secure."
What about hail dmg to a roof or gutter makes you unsafe and unsecure? This statement is meant to throw the reader off, and get into their emotions, not their logic.

Third, this quote also bothers me -
"In addition, your individual insurance rates can not be raised."
Well, rate increases are made on whole categoris of homeowners at one time. But, the individual homeowner is in that group, thereby getting an individual rate increase. I don't disagree with this quote exactly, it is just a degree or two off of completely accurate enough to bother me.

And finally, this quote -
"When it is approved, we will install your new roof for the Replacement Cost that your insurance company agrees to. You owe us nothing, either way."
So they eat the deductible in every case? Well, if the work can be done for $1000, $2000, $4000 less than the insurance estimate, than why should the insurance company pay so much money for the roof in the first place? With 2% deductibles in place, this practice of "you owe us nothing" disturbs me? Are the homeowners getting a quality roof installation? Quality materials? I guess since they pronounce it right on their website, then if they try to submit for the FRC once work is complete we are all justified in paying only the net loss after deductible as the limit of homeowner incurred expenses?

Suffice to say, nothing on this site leads me to trust anything they say. Hope I never come across one of their "Contractor Associates." They sound like the kind of people who will be in my shadow during the entire inspection, not giving me room to measure or think.

Jennifer

Edited by - fivedaily on 04/22/2004 15:58:15

WilburBarnes63026

14 Posts

Posted - 04/22/2004 :  16:29:52  Show Profile
Going to this guys web site and reading his profile, I find he claims to be a "Licensed Property Adjuster". As he is clearly in Texas, my question is, is that how licensed adjusters hold themselves out...as "licensed property adjusters" or as adjusters? Can you obtain a casualty adjusters license in Texas without being a property adjuster?

I think this guy is a property adjuster, a public adjuster! In Texas I believe a public adjuster can only handle first party property claims!

Masking his services by suggesting he can exam and review claim documents and than give advise might prove to be in some form of violation of Texas D.O.I., unless in fact he is a public adjuster advising his "client".

I wrote him and put the question to him directly, still waiting for a reply.
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ALANJ

USA
159 Posts

Posted - 04/22/2004 :  16:35:59  Show Profile
Is he giving legal advise?
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fivedaily

USA
258 Posts

Posted - 04/22/2004 :  16:39:29  Show Profile
Alan, you're the one with a law school degree. What do you think?

Jennifer
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WilburBarnes63026

14 Posts

Posted - 04/22/2004 :  17:08:35  Show Profile
If he's a licensed P.A. in the State of Texas, no he's advising his client regarding a first party property contract for which Texas authorized him to do. Yet why hold yourself out as a hail whatever, just be what you are and compete in the market place fairly.
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KileAnderson

USA
875 Posts

Posted - 04/22/2004 :  17:37:32  Show Profile
Did anyone else find it odd that the guy has the "trade mark" sign after the phrase "Don't wait until it's too late!"? How the hell can you trade mark a common sentence like that? I've seen this site before. Sounds like a bunch of schiesters to me.
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DEMIGOD

99 Posts

Posted - 04/22/2004 :  19:05:06  Show Profile
I noticed that there haven't been any post's on his Job board for a couple years now.

And check this out, I came by this doing research about the MN law suit back a few years ago.

http://www.hailyes.com/attorneygenmn.PDF

I find it real hard to believe he personally wrote this letter.

Edited by - DEMIGOD on 04/22/2004 19:07:20
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alanporco

USA
112 Posts

Posted - 04/22/2004 :  19:13:58  Show Profile
"Claim Consultant" is a term often used by unlicensed PAs. Or this case, by a contractor who only wants to help.

Wonder if this contractor will continue to waive deductibles now that they are a percentage? Or maybe the insurance companies have all increased their pricing so that this business/ contracting/ model/ proposition can benefits consumers/ people and the CONTRACTOR.

Or maybe ReconMan is more fertile than we realized. I just don't understand why there are laws against retroactive abortion.
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fivedaily

USA
258 Posts

Posted - 04/22/2004 :  19:34:49  Show Profile
First... let us keep away from the ad hominen attacks and stick to discussing the merits, or lack thereof, of hailyes.com's information.

The letter to the attorney general is indeed interesting and does have the same logic in it that the roofer from Weslaco gave. And we have certainly hashed that one out!

As for whether or not Steve Ralston will continue to waive deductibles... if I were a consumer as long as it was on the website, and I was doing business with him (as if!), I would maintain that, in following the "truth in advertising" laws he discussed in his MN DOI letter that I should incur absolutely no out of pocket expense to have my insurance scope work completed... just like his website says.

Jennifer
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KileAnderson

USA
875 Posts

Posted - 04/22/2004 :  19:45:53  Show Profile
My parents live in the DFW area. They have a $7000 ded. Maybe I should have them give him a call.
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Ron McGuire

7 Posts

Posted - 04/22/2004 :  22:31:35  Show Profile
This was fun. Do a Google search on Steve's Ft Worth number. 817-790-5858.
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Wes

USA
62 Posts

Posted - 04/22/2004 :  22:31:58  Show Profile
I handled a wind claim today in Florida with a $12,500 deductible. Roof damage only, the entire replaced roof may run $5,500.00.
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DEMIGOD

99 Posts

Posted - 04/22/2004 :  22:48:36  Show Profile
hehe, It just occured to me that this thread has over 200 views. I wonder how many who have viewed this topic also went the the site. Po Steve he gonna start counting his eggs befor they hatch when he see the sudden surge in hits on this web site! :P
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Slew

25 Posts

Posted - 04/24/2004 :  19:58:13  Show Profile
he drives around Ft Worth is a big red 4X4 pickup! I saw him last week, never checked the website though...
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