Negotiating techniques

It seems like most of you guys here do residential roofing and have dealt with insurance adjusters at some point.In my limited time in this line of work I've seen them approving roofing claims that don't have a lot of damage and turning down others in the same shape or worse.What's the best way to deal with them?

No real idea. I give them a price and sometimes I get the work. Especially if the client insists!

Alba Said:....In my limited time in this line of work Ive seen them approving roofing claims that dont have a lot of damage and turning down others in the same shape or worse.Whats the best way to deal with them?

B) :cheer: :unsure: :lol: :( ;) :P :laugh: :angry: :dry: :blush: :blink: :blush: :huh: :silly: :woohoo: :ohmy: :huh: :angry: :laugh: :dry: :blush: :S :ohmy: :side: :lol: :unsure: :cheer: :( :) :laugh: :angry:

In other words, no one can make sense of it, but CIAK.......and he makes almost no sense at all........ :P :huh: :laugh: :angry: :dry: :blush: :blink: :silly: :ohmy: ;) B) :cheer: :unsure: ;) :ohmy: :ohmy: :blink: :blush: :blush: :dry: :huh: :ohmy: :ohmy: ;) :) :laugh: :angry: :dry: :blush:

I have found most of the insurance guys to be fairly reasonable if I can get them to meet me back at the roof. I also do a very good roof eval for them to look at with photos to help them understand why they need to do a certain thing imo.

It looks like they discriminate against low income policy holders.

I say this....."If you have ever been in the U.S. Army, You know that if you owe them, they will make sure they get paid bcck. If they owe you, it will be up to you to say something, if you do not persist, you will never get it".

Motto is ...."If you want your claimto go through, you need to be persistant!"

Well down here in the south its easy, if they pay the claim without any problems then we just accept it with a smile. If they give us any static, then we send Big Bubba out to meet their adjuster at the job site. If they don't immediately accept responsibility for the claim . Then Bubba wraps their feet and hands around a tree trunk, ties them together with a rope and kicks em in the azz with his steel toed camoflauge boots until they agree to pay off the claim in full. Then he makes them sign a legal document stating they will be paying the claim before he will untie them from the tree. Most homeowners just stand on the porch laughing. Its really no big deal!!! lol

This from refdesk , for those keeping score "Keep thy hook always baited, for a fish lurks ever in the most unlikely swim." - Ovid I don't expect twill to understand any of this . When I have a little time I will try to explain how it works best I can.

It looks like they discriminate against low income policy holders."

Alba I have seen this played out time and time again in several different states. You are exactly right. Those in more affluent areas are more likely to have claims approved. I have literally been on roofs with absolutely no damage where claims were approved in very affluent areas. On the other hand I have been on roofs where claims were denied in blighted areas and the damage was blatantly apparent. Although upon re-inspection the adjuster was easily persuaded to honor the claim. The fact is economic status and degree of sophistication do often times play a part in determining whether a claim is approved or denied. This disparity is appalling. Just another sad commentary on today's society.

Nope , No discrimination. Most of the less affluent policy holders go for price . They hope it doesn't happen to them . When something does happen , the deductible is much higher and exceed the cost of the repair or exclusion in the policy prevent the repair paid for by the insurance company . The people with the more expensive properties pay more for the coverage. savvy twill B) :laugh: :laugh: :laugh: :laugh: :silly: :side: :woohoo: :side: :laugh: :laugh: :laugh: B)

CIAK As I am playing w/ my young son tonight, tossing him around and chasing after him, I realize, that indeed, we are all someone's child. I hope you're happy. Or savvy. Or whatever.

:) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :)

Why do we not just sue the ins companies class action? -- are they not covering roofs that have 5-10 -15 20 years plus life left on them? How does that hurt us ? artificially influencing the free market -- Taking all of our future business artificially influencing demand for more roofers to come into the marketplace taking away future work etc???? -- The story does not end there -- how about inflated premiums milking regular homeowners for more money in prremiums -- How about the length of time never used to be this way 12 years ago when i roofed anyone here been doing claims that long -- we get hail here every year i can remember back to 1983 when i started roofing hail did not become an issue til like 98 -- not one hail claim from 83 - 98 then all of a sudden bing bang boom -

I can guarantee these lawsuits are coming with premiums and all going up mark my words even the health Ins -- all you need to do is tell the doc your knee, back, foot, etc.. hurts and you cant live with the pain and as long as you have health ins they will cut you open for 10's of thousands..

Minn There is an interesting history of Die Hagelversicherung -- "Hail Insurance." Hail insurance first policy was written in 1733. Minn you might have alot in common with Kant, who in 1774, published ,Toward the Development of a Philosophical Position on Hail Insurance ,Zur Entwicklung einer philsophischen Stellungnahme über die Hagelversicherung. Prussian government outlawed hail insurance in 1778. You can read about it in the aforementioned book. Or you can read a review here http://andrewhammel.typepad.com/german_joys/2005/07/do_you_have_eno.html Enjoy B) ;) :) B)

Twill I believe you are begging to understand " Ciak " B) :laugh: :side: :silly: :woohoo: :side: :laugh: B)

CIAK, I am eagerly awaiting for your self-help, autobiography

Itemize "everything " you do