Done With this topic

Hello Everyone. I am done talking about this issue.>>>

Well I was an insurance agent/underwriter for 15 years. With the exception of one time in my life when I had the cheapest price in FL on a mandatory product for certain businesses to keep there occupational license the insurance field was a "Dead End" job for me.

So I decided that I wanted to become an adjuster. I got an adjuster's license but I did not know anything about construction or how to assess damage. Then someone told me that I should go sell roofs as it will teach me about roofing, gutters, drywall, painting, siding, and general exterior damage.

I have hoped to work as an adjuster but I do not believe that I will ever get the call from Independents unless they are "hard up" and then anyone with a license will get hired.

I have found selling roofs to be easy for me because I see it as an insurance sale. Unfortunately I have worked for a few scumbags that either never paid me or did not pay me or cheated me. So I do not want to prevent myself from being able to take an adjuster job if it were ever offered to me. But I am considering working for a Public Adjuster because I can honestly say that I do not like the insurance industry. I have a short term need for money so that I can achieve long term goals.

I might even start my own residential roofing company and get a group of good workers and build 4-8 roofs per months which will provide enough money for me and my workers to get by until something better comes along.

Anyway hope good things happen to all of you folks reading this post.

Steve This is one of the beauty's of this forum . There is exactly no definition of done . Some time it feels like someone might not be honest. Or someone or someones are assuming too much? Then there is the definitions formal, verb the past participle of do1 interj an expression of agreement: $60.00 seems reasonable, done! Adjective 1. (of a task) completed 2. (of food) cooked enough 3. used up: the milk is done 4. Brit, Austral & NZ socially acceptable: the done thing 5. Informal cheated or tricked 6. done in or up Informal exhausted So , IMO it isn't over till the fat lady sings . Now there isn't exactly a definition of who the fat lady is . What is a fat lady . What is she singing ? What do you think ?????? B) ;) B) :laugh: :laugh: :laugh:>>>

This topic sure has a lot of replies for being done :blush: :blush:>>>

I have experienced on this forum , in life corporate and private. An undercurrent of cynicism or sarcasm. Dished it out and taken plenty . On this forum , there is a feeling that some of the more ( not ardent ) cynical poster is measuring themselves against you, that they want what you have, that they hate their own life and are looking for something better..... That's life. Honesty is as egg and many other through out history know . Best>>>

Understood, but it just underscores why the closed ranks feature of the corporate modus operandi engenders such hostility, is in fact a magnet for hostility, and creates such mistrust, not that the ranks of the general public are swelled with angels mind you. But, come on...' insprojohn' could hardly be taken as a positive ID. Around here we make it a point to use only the King's English. That way people can't recognize us. Gotta do what you gotta do, but the less transparency, the less respect. We all find our own way. Maybe the best plan is to only share information you can afford to share and leave it at that. Perhaps speaking in general terms might fly where naming names wouldn't. Pick your battles, but always go for freedom. Honesty. Truth. Stuff like that. The world already has enough cynics and opportunists to last an eternity. No? Yes?>>>

Well I realized after joining that I should have used a fake name to sign up because I do not want any people in the insurance field to know I am sharing info in this forum. As I have not yet 100% made the move to becoming a Public Adjuster. If I ever cross the line then obviuosly I will not worry about it. :) >>>

Welcome to the rooferscoffeeshop,you may come but you may never leave. :S>>>

John You gotta be tough with thick skin on this forum. There are a few vocal cynics here . At the ready to slice dice and tear up . Most either have nothing better to do or have black and blue diploma's and want to dish it out . Traps are laid out waiting for the unsuspecting to step on or in . I for one want to have you around . Hang in there pal. I hope this doesn't mean you are leaving.>>>

Each policy is different. Some homeowners that have a desire to save $$$ on premiums will take a big deductible or buy an ACV only policy. In some states such as TX, FL, AL, MS and many other coastal areas you have no choice but take a hurricane percentage deducible of 1% to 5%. In all honesty I really want to learn how to start my own roofing company just doing 3-10 roofs per month and staying home. Working as a commission ONLY salesman and then getting RIPPED OFF by some asshole is definitely NOT a turn on. But in the meantime I will do whatever I gotta do.>>>

you guys did rip on him a bit - in certain areas you cannot find jobs unless insurance is paying them - Sooner or later it will be every where - no more selling to the homeowner it will be to the insurance company -- then like i said working for them period.>>>

Took all his posts and left. We're all scared of our shadows anymore.>>>

Egg,

Funny thing is they should be but are not they pay full replacement cost.>>>

so the way policies are written if you wait long enough you will not have to worry about anything the insurance companies will come out and fix it as long as we pay our premiums -- pretty soon they will have automatic withdrawl from our accounts and we will not have any decisions to make except to call them and complain when something does not look right. so anyone looking for a job might as well start looking in the insurance or government field first -- all other jobs at this point will be a 9-5 automatic withdrawl in 20 more years.>>>

Here is an example -- homeowner sets his barbecue too close to his home and melts his siding -- Should insurance cover it? how about siding no longer being made and reasonable match? Well the insurance should cover it it was not intentional on homeowners behalf it was an accident.

How about lawnmower spits a rock into siding / window? Again yes it should get covered it was an accident.

How about a storm chaser making marks in the roof to simulate hail damage? yes it is vandelism

If a roof is old enough it will leak and cause damage and wind will blow the shingles away and if you walk on it they will break and an inexperienced homeowner will walk on his own roof and damage it on accident so will the adjusters.

Damage is damage.>>>

John, You should probably get ahold of the inhouse supervisor and try explaining to him that the roof is damaged -- the point you can agree on --- What is open is the point of the old vs the new damage in which 3 months should be enough for the new to oxidize enough to not be able to tell the difference - furthermore they should have evaluated the risk of insuring the roof when the homeowner bought the policy -- the roof should have been excluded from the contract with the insurance company which it was not - and any interior damage reulting from the roof- (Catch 22-- policy is worthless)so this is your other option to file or threaten suit against the insurer which the homeownner has to initiate--- this is why i say threaten or bluff - also let them know and the homeowner know if their roof is damaged and it is documented in the file any damage inside of home from the result of the roof can be denied, in the future until the roof is repaied. (Catch 22-- policy is worthless)File a complaint with the bbb and correct state department if all else fails.

If you can even get a minimum roof repair like a shingle or 2 you can then fight unrepairable do to existing damage - write up a repair order minimum if you have to send it to them to get ok'd then supplement entire roof with unrepairable.

What most fail to realize is the scam with insurance - that is the insurance companies scamming -- teamed up with the banks to borrow money to homeowners. since most homeowners would not take loanns from banks back in the day the insurance companies stepped in and started improving properties and borrowing money from the banks to lend to the homeowners - now the policies are written to the point of any damage no matter how minor can and will be paid for by the insurance company and it is good business for them as long as the homeowners can pay the premiums they have nothing to loose and in fact every claim that is approved the more oppertunity the insurance company has to make profit by raising rates.

I can tell you first hand that it really does not matter what caused the damage to a property if it is insured it can be covered the way policies are written -- even mechanical damage it is still damage file it under vandelism - taken far enough you could even get old rotted siding -- roofing covered that really has no source other than normal wear it is a battle but in the legal aspect homeowners buy insurance for one reason that is to protect their property -- if their siding or roofing wear out it is damaged - In front of a judge you could very easily argue that it is the insurance problem if they insure a property and do not keep up on inspections every year they are required to audit policies and if they do not audit them accurately it is the insurance companies problem for continuing coverage--

I have found that if a customer takes the claim all the way in the appeal process it is eventually approved - .>>>