WARNING! Covering deductibles is now illegal per Senate Bill 101

It is a Missouri law only. B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Senate bill 101 is a Missouri law that went in effect in aug of 2011. Anybody from Mo out there? if so is it business usual or has it affected your biz?

It is no secret I work the insurance industry. I am a state licensed Florida roofing contractor and a State of Florida licensed Indepentant insurance adjuster + licensed in most of the continental USA I see both side of the issue from deep inside the beast and outside. I don't make the rules. I do follow them. It also is no secret I support local contractors. The problem as I see it.. there is ignorance on the part of the contractors. Not rising to the situations resisting and complaining whining. They are dealing with a well organized fully equipped and extremely well funded and connected corporation. B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Hey JerryM, where are you from?

Rocky....Which brings us to the typical storm-chase-large or small-Local or out-of-towner, way of doing business.....

Bing!-bing!-bing!-(bells-horns & such!) They, (storm-chasers), all act like "chuck-in-a-truck" with no overhead-----Because they do indeed operate with lowere overhead that us legitimate, (or should I say "dinosaurs?), types....They have ZERO labor burden, as they typically misrepresent employees as "independent subcontractors"!

I remember when Colo. WC rate was 50%....add FICA, etc...There was NO WAY a legit outfit was going to compete price-wise.

Rocky, the insurance industry has an extfremely powerful lobby and is well respresented in the House and Senate. In 1966 my dad was claims manager for Mid-Continent Casualty in Tulsa...owned by the Inhofe family, as in Senator Inhofe.

Disallowing a roofer to negotiate with the adjuster will save insurance co's 10's of millions per year. I've squeezed over $1 million from them in the last year on claims that wouldn't have been paid without my involvement.

Has anyone verified this. It has a year of 2011. If it is true Line Item #6 is bad for the roofing industry. Ciak, you sound like you are celebrating which tells me you work for the insurance companies and not a contractor, as twill said, you're never to old to learn. Overall I thought the bill sounded good until i got to line 6. I guess we'll just after to educate the homeowner how to negoitate with the adjuster if we cant do it ourselves. I would think that there will be an immediate uproar from the homeowner when all of a sudden not only cant they get their deductible slipped in but now they may lose hundreds if not thousands directly out of their pockets because of this law. I dont see any good roofers dropping their price and even the stormchasers will only go so low. It'll all go to the one or two man ckuckinthe truck operations, that have no overhead that cut everyones throat to get their business.

Also notice that the bill (from 2011) prohibits contractors from negotiating on behalf of insured's. Same rubber stamp NAIC, NAMIC, ALEC template bill being passed all around the country. Only state to defeat the attempt is MN because a core group of contractors who were paying attention took a stand.

OMG! Typical gooberment tunnel-vision/reactionary antics...Good intentions, but why not just be done with the crap & institute authentic contractor licensing?

How does this save the insurance industry millions?It will not change anything,they will still offer it to homeowners just more discreetly.Or they will give gifts,trips,free gutters,or shutters they will figure out a way around it.All it will be is just another law thats not enforced,have you heard we have an immigration law in this country to! :laugh:

Cool if this is true. It will save the insurance industry $$$$$ MILLIONS $$$$ which translates this job I'm doing will be here for many years. I'm in Chicago now headed up to Wis this morning off to Vegas for 2 weeks. Just a dumb Ole Roofing Contractor living large. yaaaaa!! Thanks Guys B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day