The Practitioner

Inspections. Estimates. Supplements. Insurance Restoration strategies and tactics from Chad Michael, The Practitioner.

5 Tips To Improve Speed Of Insurance Claims Process 10/21/2021

5 Tips To Improve Speed Of Insurance Claims Process The insurance claims process can be slow, but the contractor actually has more control over the the speed and timing than you might realize. Time is money, especially if you are a roofing contractor/insurance restoration general contractor. This episode covers 5 tips to improve the speed of the insurance claims process. Please let me know what your thoughts are. Keep winning, my friends... Much love and God bless! /episode/index/show/thepractitioner/id/20892680

Why Don't Insurance Adjusters Approve Most Contractors Estimates? 5 Reasons 10/15/2021

Why Don't Insurance Adjusters Approve Most Contractors Estimates? 5 Reasons Why don't insurance adjusters approve most contractor estimates? Here I discuss what I believe to be the five top reasons for insurance companies not agreeing with roofing contractors and insurance restoration contractors when they submit their Xactimate estimate for approval. /episode/index/show/thepractitioner/id/20826197

Beat The Insurance Company At Their Own GAME 01/16/2021

Beat The Insurance Company At Their Own GAME If you're a roofing contractor, winning the game with insurance adjusters in the roofing business and insurance restoration general contracting involves playing THEIR game better than they do... using their rules against them... even though you're a roofer, it doesn't mean you can't beat them at their own game. Less friction, less resistance, more approvals... these are the benefits of going with the flow... speaking the insurance adjuster's language. /episode/index/show/thepractitioner/id/17572160

How To Get Mortgage Company To Release Insurance Check FAST 01/14/2021

How To Get Mortgage Company To Release Insurance Check FAST If the insurance claim pays out to the property owner and the mortgage company as the payees, how can you get the insurance check released from the mortgage company? Roofing contractors and insurance restoration contractors usually struggle with delays caused by this problem when working through the roofing claim process. This episode will help you get to the money in the quickest timeframe possible. /episode/index/show/thepractitioner/id/17549486

Insurance Claim Supplement Advice For State Farm 01/13/2021

Insurance Claim Supplement Advice For State Farm Insurance claim supplement advice SPECIFICALLY for State Farm Insurance. Roof damage, water damage, fire damage, hurricane damage, wind damage, hail damage claims with State Farm is a majority of what you will see because the have the majority of the market share for residential property damage claims. State Farm needs to be handled differently than other insurance carriers. This episode should provide valuable advice specifically for State Farm claims. /episode/index/show/thepractitioner/id/17539676

If You Do This On Roofing Claims You Will LOSE 01/12/2021

If You Do This On Roofing Claims You Will LOSE It is so imperative that you first research the basic fundamentals of the insurance policy, starting with the declarations page (or "dec page"). You need to understand the maximum available coverage amounts for each section. Will the policy will pay "replacement cost value" (RCV) or "actual cash value" (ACV)? You need to know if the policy has coverage for ordinance and laws (OL) and what the extent of the OL coverage is. You also need to know all information about the applicable deductibles. /episode/index/show/thepractitioner/id/17520158

Insurance Adjuster Tries To BURN Roofing Contractor 01/11/2021

Insurance Adjuster Tries To BURN Roofing Contractor A roofing contractor - who is enrolled in my IES Certified training course - called me for advice because an insurance adjuster on one of his roofing and general contracting jobs is trying to burn him after he sent him his Xactimate estimate. I think he has the solution to overcome the situation. /episode/index/show/thepractitioner/id/17508809

Don't Fall For This Roofing TRAP 01/09/2021

Don't Fall For This Roofing TRAP Don't fall for this insurance claims roofing TRAP that insurance adjusters set. As a matter of fact, in this episode I talk about SEVERAL traps that insurance companies tend to set that roofing contractors need to beware of. This covers Xactimate estimates, insurance engineers, roofing approvals/denials, water damage claims, insurance adjuster interaction and much more. /episode/index/show/thepractitioner/id/17481077

How To Set Up A Supplement System | Insurance Claims 01/04/2021

How To Set Up A Supplement System | Insurance Claims Setting up a supplement system for roofing insurance claims and insurance restoration general contracting claims needs to be one of your top priorities right now. My advice is to set up a supplementing system made up of three separate departments: the inspection department, the Xactimate estimate writing department and the insurance claim supplementing department. You need an inspector, an Xactimate estimate writer and an insurance claim supplementer. /episode/index/show/thepractitioner/id/17408456

How Do I Get The Insurance Adjuster To Approve My Xactimate Estimate? 12/24/2020

How Do I Get The Insurance Adjuster To Approve My Xactimate Estimate? Getting the insurance adjuster to approve your Xactimate estimate can be a complicated and difficult process. However, following a methodical strategy from start to finish can give you the advantage over the insurance adjuster when trying to reconcile your roofing or restoration Xactimate estimate. Let's discuss how to get the highest possible amounts approved on your insurance claims. /episode/index/show/thepractitioner/id/17321711

Dominating Insurance Adjusters | Approval Tactics 12/24/2020

Dominating Insurance Adjusters | Approval Tactics In this example, the insurance company sent another insurance adjuster to inspect the hurricane damaged property a second time and review my Xactimate estimate. Check out the strategy I used to get the adjuster to approve more than triple the original estimate amount. Roofing contractors and general contractors pay attention! /episode/index/show/thepractitioner/id/17315795

The Insurance Adjuster, The Property Owner And The Roofer 12/22/2020

The Insurance Adjuster, The Property Owner And The Roofer In this training session we discuss the insurance adjuster, the property owner, the roofer and the insurance restoration contractor. The roofing claim process starts with the property owner. The roofing contractor needs to first educate the customer on how the roofing process works, the Xactimate estimate process, the insurance supplementing process and more. When meeting the insurance adjuster at the damaged property, the strategy is equally as important. /episode/index/show/thepractitioner/id/17295818

Meeting The Insurance Adjuster | Winning More Approvals 12/20/2020

Meeting The Insurance Adjuster | Winning More Approvals Meeting with the insurance adjuster for a roofing job or other type of insurance restoration project is a required and very important aspect of being an insurance restoration contractor. How you play that game is what is most crucial. Should you give them your Xactimate estimate first or should you make them show you their cards first? And where do you go from there? Let's get into this video for higher and more insurance claim approvals. /episode/index/show/thepractitioner/id/17265056

Adjuster Arguments | Let The Game Come To You 12/17/2020

Adjuster Arguments | Let The Game Come To You When interacting with insurance adjusters, there is no need for arguments. Let the game come to you. When handling insurance restoration jobs and roofing jobs, let the insurance adjuster make the first move. Then you react. You are hired to perform all repairs that are prescribed by the insurance claim. Go from there. /episode/index/show/thepractitioner/id/17233325

Insurance Companies Paying For Covid Compliance Line Items 12/15/2020

Insurance Companies Paying For Covid Compliance Line Items It's true that insurance adjusters and insurance companies are approving and paying for Pandemic "Compliance" Xactimate Line Items. Let's discuss setting up testing and PPE protocols on your insurance restoration and roofing job sites. /episode/index/show/thepractitioner/id/17196344

Approval Strategies | Questions Answered 12/10/2020

Approval Strategies | Questions Answered In this private company training video we cover a wide range of insurance restoration claim topics and approval strategies for overcoming insurance adjusters in an extensive questions and answers session. We talk roofing and other insurance restoration projects with these roofing contractors / general contractors, Xactimate, building codes for insurance jobs, roof claims, insurance claim supplements, insurance adjusters, hail damage inspections and much more. /episode/index/show/thepractitioner/id/17147129

Defeating Insurance Adjusters | The Winning Process 12/04/2020

Defeating Insurance Adjusters | The Winning Process Defeating insurance adjusters & gaining more approvals is complicated. For roofing contractors & insurance restoration general contractors it can be easy to get upset with insurance adjusters because they naturally resist most line items in your Xactimate estimate. However, focusing on your game plan and your winning process can get you much farther. /episode/index/show/thepractitioner/id/17062481

Selling The Job | The Sales Pitch Explained 12/03/2020

Selling The Job | The Sales Pitch Explained Selling the job is obviously one of the most crucial factors to a roofing or insurance restoration general contractor's success. Let's break down how to combine your inspection and investigation with your sales pitch and sales process. This will help to ensure that the inspection literally helps the sale happen on its own. /episode/index/show/thepractitioner/id/17042615

Approval Tactics - Arguing With Insurance Adjusters 09/18/2020

Approval Tactics - Arguing With Insurance Adjusters I took a client call yesterday and thought I'd share the content, as we covered so many valuable subjects through the course of an hour, such as how to get overhead and profit approved, overcoming insurance engineer denials on commercial roofing systems, the insurance claim supplement process. /episode/index/show/thepractitioner/id/16065161

Commercial Roofing Insurance Claims 09/11/2020

Commercial Roofing Insurance Claims Advice on how to obtain and sign commercial roofing insurance jobs and other commercial insurance restoration jobs. Tips on getting roofs approved for replacement that were previously only approved by the insurance adjuster for repair only. Strategies on using building codes effectively and advice for damage inspections. /episode/index/show/thepractitioner/id/15979568

Debating With Insurance Adjusters | Winning Arguments 09/10/2020

Debating With Insurance Adjusters | Winning Arguments How to get waste factors, starter, ridge caps and flashing Xactimate line items approved in your insurance claims; getting overhead and profit approved on roofing claims with insurance adjusters; invoicing for Xactimate line items; bid items; subcontractor invoices; redacted prices; getting building codes approved when the insurance adjuster tells you to send them the building code on the "City Letterhead" and much more. /episode/index/show/thepractitioner/id/15954746

Xactimate Estimate Tips | Handling Insurance Adjusters 09/05/2020

Xactimate Estimate Tips | Handling Insurance Adjusters In this episode I cover Xactimate tips, handling insurance adjusters, building codes, when to send your Xactimate damage estimate to the insurance company, who to send it to, the order of your insurance restoration process and much more. /episode/index/show/thepractitioner/id/15895580

Insurance Restoration Fundamentals 09/03/2020

Insurance Restoration Fundamentals The three phases of the Insurance Restoration Industry broken down into mitigation, contents and reconstruction. This is important for all insurance restoration contractors - including roofing contractors - to know and understand. /episode/index/show/thepractitioner/id/15877745

Meeting With Homeowner | State Farm Fire Claim 08/23/2020

Meeting With Homeowner | State Farm Fire Claim I was recently hired by a homeowner in Los Angeles, CA to help him with the construction repair estimating process for a fire damage claim with State Farm Insurance. He is acting as his own general contractor, which adds a unique dimension to our consulting relationship. In this capacity, I am nothing more than a consultant... there to help him plan strategy and give him my best advice. So far, so good. State Farm started out at around $144,000 and are now over $300,000 and climbing. /episode/index/show/thepractitioner/id/15722351

Setting Up The Supplementing Process | Insurance Claims 03/27/2020

Setting Up The Supplementing Process | Insurance Claims The Supplement Process for Insurance Restoration Contractors and Roofing Contractors. Invoicing and invoice management process for a large insurance restoration contracting and roofing contracting company. /episode/index/show/thepractitioner/id/13733669

5 Things Contractors Can Do During This Crisis 03/23/2020

5 Things Contractors Can Do During This Crisis What can Insurance Restoration Contractors and Roofing Contractors do during this crisis. 5 things a contractor can do to survive and thrive. This thing is real. And we could be at just the very beginning still. Instead of 15 days, it could be many months before this over. It is crucial that we take it seriously and make a plan for how we can react and ultimately recover. Stay safe out there. We'll get through it. Keep going. /episode/index/show/thepractitioner/id/13665089

Does Xactimate Pay Enough Money? 03/23/2020

Does Xactimate Pay Enough Money? Xactimate pricing for insurance repair jobs. Does Xactimate software pay enough money on insurance claims? My short answer is YES, but please allow me to explain. /episode/index/show/thepractitioner/id/13656938

Building Codes For Insurance Jobs 03/19/2020

Building Codes For Insurance Jobs The Code Game... Using building codes to gain higher insurance approvals on roofing and other insurance repair jobs. Learn how to understand certain parts of the International Code Council (ICC) building codes: the International Building Code (IBC), the International Residential Code (IRC) and the International Energy Conservation Code (IECC) to comply with the local laws and to educate insurance adjusters who don't know any better. /episode/index/show/thepractitioner/id/13618526

What Is It That You DO, Chad Michael? 01/17/2020

What Is It That You DO, Chad Michael? Armando Jacox of the "Roofing It" Podcast has Chad Michael as his guest in Denver, Colorado to share his personal story. Chad also explains what it is that he does in his Insurance Restoration career. /episode/index/show/thepractitioner/id/12781301

Depreciation And Deductible Tactics 01/10/2020

Depreciation And Deductible Tactics Understanding recoverable depreciation versus non-recoverable depreciation -as well as how property insurance deductibles are applied- is absolutely critical to the success of an insurance restoration contractor and/or a roofing contractor. Actual Cash Value (ACV) versus Replacement Cost Value. /episode/index/show/thepractitioner/id/12685538

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