Tom TollModerator & Life Member  Senior Member Posts:1865  
| 05/17/2009 12:21 PM |
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Ol Ghost, you know we always have at least one roofer per year come on here to show his righteousness, nothing has changed. Let him rant on and he will soon go away.
Success is not final, failure is not fatal: it is the courage to continue that counts.
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| 05/17/2009 12:31 PM |
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Posted By Ol' Ghost on 17 May 2009 10:03 AM
I suggest this page of this topic be purged and Kold King be banned from this web site.
Ol' Ghost LOL! Hittin' a little close to home, am I?
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| 05/17/2009 12:35 PM |
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Yeah, history does prove that to be true. I remember others that have come and gone to pester other forums, then drift on to other sites. I note a personal difference tween you and me is, I like to hack off their heads while you prefer to let them dangle on the end of their own self made noose.
Ol' Ghost
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| 05/17/2009 12:42 PM |
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Chuck, I assumed that anyone with enough 'net savvy to be here would know how to do a Google search for Kold King (koldking.com). We're the first result. I wasn't more blatant than that because I'm not here to promote anything. But since you've implied that I'd hide behind anonymity, here is my other website and you can go to the Company Bio page to learn all you want to know about me: www.redbaroncarwash.com
As for engineers, I've never lost an arbitration to a "Roof Engineer" and that includes several where Haag Engineering was involved. Btw, since you mentioned industry education, I have countless roofing course credits, including Haag's Built-Up Roofs Damage Assessment, Roofing Industry Education Institute's Low Slope Roofing Systems, and well as Snell's Theromographic Applications for Predictive Maintenance, etc, etc, etc.
I'm the crooked adjusters' worst nightmare - an educated roofer! :-)
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| 05/17/2009 12:44 PM |
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Well if your theories don't stand the test of scrutiny, by all means just demand I be banned.
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| 05/17/2009 12:55 PM |
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I'm sure my time here is limited, as Ol' Ghost will surely appeal to moderators that I'm the boogeyman. I have countless adjuster friends who're honest and knowledgeable, but, your stereotyping of roofers says plenty about why your group is stereotyped. You want to trash roofers as a whole, and as though you don't see the hypocrasy, you paint all roofers with the same brush.
Just know that a cottage industry is growing, an industry that intends to make its revenue when adjuster deny legitimate claims. You can keep telling yourself there is no need, or that they're creating claims where none are warranted, and Disinterested Third Parties will continue to make you look bad. |
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BobH Veteran Member Posts:759 
| 05/17/2009 4:08 PM |
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Posted By Kold King on 17 May 2009 12:55 PM
...your stereotyping of roofers says plenty about why your group is stereotyped. You want to trash roofers as a whole, and as though you don't see the hypocrasy, you paint all roofers with the same brush.
Live by your own rules. Review your own posts, your generalized trash about adjusters.
C'mon, if you are a professional, act like one. Bob H
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ChuckDeatonLife Member Senior Member Posts:1110 
| 05/17/2009 4:45 PM |
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Man, oh man, am I excited, just call the redbaroncarwash, we'll wash that bird crap off yo' truck, represent you at appraisal and get that bird crap on yo' shingles paid for as hail. Nothing like a righteous roofer. Well we get one on here every now and then, or maybe it is the same guy as cleans the windows on my truck.
Damn, its hailing again, Martha, quick, call the car wash and get aholt of that Kold King guy, get the truck washed while you are down there. Hey, and, Martha, ask that Kold King guy if he can get the HVAC unit upgraded to a 13 SEER. Oh, and tell him I want my deductible back.
Is this one of them Texas drive thru beer places, too?
"Prattling on and on about being an ass with experience doesn't make someone experienced. It just makes you an ass." Rod Buvens, Pilot grunt
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| 05/17/2009 5:22 PM |
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I can't believe that I am actually going to come to the defense of a roofer, but I think that ya'll are being a little too tough on KoldKing. Of course, any experienced adjuster has had confrontations with dishonest contractors who strive on creating chaos and making our jobs as adjusters difficult. However, I think that Ol Ghost is mistaken when he claims that "it is solely the adjusters function to determine the insurable loss". If Mr. Ghost has been around for as long as his nickname implies, then I am quite sure that he has come across almost as many incompetent adjusters as incompetent contractors. In addition, there are numerous instances when a roofer is extremely valuable when evaluating damages and negotiating a fair settlement. Any adjuster who claims that he knows everything and never needs the assistance of a contractor or other outside party is being dishonest. Not every roof claim involves simply the replacement of a composition shingle roof. I have worked with many outstanding roofing contractors on large commercial claims to determine the repair alternative that best satisfies the insured and insurer under the terms of the insurance contract. Of course, every contractor comes to the claims process with an agenda - that agenda almost always involves maximizing his profit. As long as the contractor conducts himself in an ethical manner then he certainly has the right to assist the insured and help resolve any issues that may exist. The adjuster also has an agenda that he brings to the claims process. Like most of the adjusters that have previously discussed this matter, I have never been advised to cheat the insured or to minimize any payments. In fact, most carriers that I have worked for look for ways to pay claims instead of denying them. However, I have had numerous opportunites to re-inspect or review claims handled by other adjusters and I have been embarrassed at the level incompetence that exists in our field. Perhaps we should take a closer look at ourselves before we throw stones at the roofing industry. I am sure that many of you would agree that there is a growing trend today for carriers to increasingly use contractors or preferred vendors to more or less adjust their losses. In my opinion, this is a mistake since a motivated, empathetic, and professional adjuster can be an extremely valuable asset to an insurance company. However, we must realize that the reason many companies are using contractors to handle claims is in part due to the failure of independent adjusters to adequately meet the needs of the insurer and insured. So, yes I still hate it when I arrive at a loss to face the 20 year old "roofer" who has already been on my roof and circled every nail pop, heel mark, and blister on the roof, but we should not be so quick to castigate every legitimate contractor who is just out there trying to make a living like the rest of us.
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BobHVeteran Member Posts:759
| 05/17/2009 5:28 PM |
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Posted By mgfirment on 17 May 2009 05:22 PM
... However, we must realize that the reason many companies are using contractors to handle claims is in part due to the failure of independent adjusters to adequately meet the needs of the insurer and insured. I have seen that trend of using "Preferred Service Providers" but do not agree that is the reason why it is done.Bob H
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| 05/17/2009 8:22 PM |
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Posted By ChuckDeaton on 17 May 2009 04:45 PM
Man, oh man, am I excited, just call the redbaroncarwash, we'll wash that bird crap off yo' truck, represent you at appraisal and get that bird crap on yo' shingles paid for as hail. Nothing like a righteous roofer. Well we get one on here every now and then, or maybe it is the same guy as cleans the windows on my truck.
Damn, its hailing again, Martha, quick, call the car wash and get aholt of that Kold King guy, get the truck washed while you are down there. Hey, and, Martha, ask that Kold King guy if he can get the HVAC unit upgraded to a 13 SEER. Oh, and tell him I want my deductible back.
Is this one of them Texas drive thru beer places, too?
Chucky, don't let your low opinion of roofers cloud your thinking; what you just said doesn't make a lot of sense.
One of my duties with our roof equipment mfg company (Kold King) is to teach a marketing classes to each of the 90+ contractors in 31 states who've bought our rigs. One of the things we teach them is to think about the future and to invest some of their roofing profits into ventures where they won't have to swing a hammer for every dime they make when they're too old to do that anymore, i.e., invest outside the roofing industry, too. My car washes? I practice what I preach - I have invested in semi-absentee businesses that are making money as I type this message to you. You can ridicule me for being in car washes, roof equipment, and roofing, etc., but if you took the time to think it through you'd know it's the right thing to do.
Again, most adjusters are honest and knowledgeable, but lets stop blowing smoke about it. I've known > 50 roofers who give kickbacks to adjusters, and if you're paying attention you'd know that for every crooked roofer paying kickbacks, one crooked adjuster accepting them is required. I've personally been offered such a deal many times. There is millions and millions to be made by a roofer in a sngle hailstorm - Lon Smith Roofing in Fort Worth did $140 million off a single storm. That kind of money means roofers have enough to entice weak adjusters. That's just the way it is, so please stop pretending it doesn't exist.
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| 05/17/2009 8:37 PM |
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Live by your own rules. Review your own posts, your generalized trash about adjusters. C'mon, if you are a professional, act like one.
In my world respect is earned. I've had 1 lady adjuster threaten to throw me off a roof, one guy adjuster threaten to whip me right there on a bowling alley roof in front of his insured, lied to and deceived by literally hundreds of adjusters...so pardon me if I've reached the point where my guard is up with every adjuster unless and until I establish that he deserves respect. My customers hire me to get them what they have coming, not employ How To Win Friends and Influence People techniques while the adjuster sees that as weakness and reactsa in a way that delays the entire process needlessly for weeks. I'm there for a specific purpose, the adjuster is there for a specific purpose; lets not pretend we have to become best buds out of the deal and just do our respective jobs.
Like it or not, Ghost and Chuck, you can learn from the things I'm saying. I'm telling you what most roofers think of adjusters but won't tell you because they need your goodwill. I don't need your goodwill - I'm telling you things you could learn from if you weren't taking it personally.
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BobHVeteran Member Posts:759
| 05/17/2009 9:49 PM |
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Posted By Kold King on 17 May 2009 08:37 PM
Live by your own rules. Review your own posts, your generalized trash about adjusters. C'mon, if you are a professional, act like one.
In my world respect is earned. I've had 1 lady adjuster threaten to throw me off a roof, one guy adjuster threaten to whip me right there on a bowling alley roof in front of his insured...
I totally understand that.
Your abrasive attitude would challenge my manners as well, and honestly you have not earned my respect.
Bob H
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ChuckDeatonLife Member Senior Member Posts:1110
| 05/18/2009 12:03 AM |
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Bob, cut Kold King some slack, after all he turns down bribes, but he knows people that don't, washes cars and vacuums them too, does a jam up job as a I suppose, well as good a a "semi-absentee businesses" can do, sells roofing equipment in 31 states, the company has sold 90 of their "rigs" and trains roofers to "invest". On top of that he is making big money in the middle of a depression and his buddy, Lon Smith, gave him access to his books. GM can't make it, Chrysler can't make it, there are so many foreclosures in Florida that one county is considering disaster relief, the median home sells for less than $10,000 in Detroit and yet Kold King left the car wash and his duties evaluating bird crap on shingles and making sure that the insurance company pays for it, to share his and Lon Smith's secrets with us.
Damn, Martha get on down to the Redbaron there's a financial genius down there. Martha, Martha, you mind what I said about gittin' our deductible back. Mr. Kold King, that's his name, semi-absentee that's his game. Git us one of them money making rigs.
Free car washes with ever roof, roof, roof, roof............... Call Lon Smith at BR-549.
One more time, in thirty five years + in this business I have never even heard a rumor of an insurance company making any attempt to cheat any insured. Unlike, Mr. Kold King, if I know of a dirty insurance company or a dirty roofer or a dirty insured the alarm will be sounded loud and clear.
"Prattling on and on about being an ass with experience doesn't make someone experienced. It just makes you an ass." Rod Buvens, Pilot grunt
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ChuckDeatonLife Member Senior Member Posts:1110
| 05/18/2009 12:25 AM |
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"chopped glass and emulsion system" has anybody seen this on any roof. Is it even legal? How would hail damage a sprayed on chopped fiberglass and petroleum emulsion roof? As many commercial roofs as I have been on in 35+ years I never have run across an installation or a contractor who was trying to sell this product. Man, and buying this system and going thru the training will make you enough money to invest in car washes. I think we have all just missed out.
"Prattling on and on about being an ass with experience doesn't make someone experienced. It just makes you an ass." Rod Buvens, Pilot grunt
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HuskerCatVeteran Member Posts:762 
| 05/18/2009 12:54 AM |
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Mr KK brought the gas & matches to this party...but after the plethora of ensuing posts, I can't decide yet who lit the match that started the bonfire. But just to throw another log on, it's pretty obvious that Mr KK has a history of prejudice against adjusters. Or, on the otherhand, maybe Mr KK is one of our own with an ornery angle towards having a little bit of fun with us.
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ChuckDeatonLife Member Senior Member Posts:1110
| 05/18/2009 1:26 AM |
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Naw, HuskerCat, this guy is for real, go look up Red Baron Car Wash on You Tube. This guy is real and he is a mighty, mighty man in Idalou, TX, that's right up the road from Kitalou, TX out on the high plains near Lubbock. Lubbock,that bustling hub of economic activity. Somebody loaned him some money and he went nuts.
What I can't figure out is how I've missed this enormously popular roofing system, I mean with 90 dealers in 31 states and the number of roofs I've been on, well, I just can't get my mind around it.
What an idea, roof a building just like you build a fiberglass bath tub, damn what will they think of next, 3 men doing the work of 10 men.
"Prattling on and on about being an ass with experience doesn't make someone experienced. It just makes you an ass." Rod Buvens, Pilot grunt
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| 05/18/2009 8:12 AM |
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Posted By ChuckDeaton on 18 May 2009 12:25 AM
"chopped glass and emulsion system" has anybody seen this on any roof. Is it even legal? How would hail damage a sprayed on chopped fiberglass and petroleum emulsion roof? As many commercial roofs as I have been on in 35+ years I never have run across an installation or a contractor who was trying to sell this product. Man, and buying this system and going thru the training will make you enough money to invest in car washes. I think we have all just missed out.
Chuck, and you're adjusting hail losses on commercial roofs??? Pardon me but your ignorance is showing. You know what Google is, right? Do your homework before attempting to look stupid. Try a search for Monoform (Gardner Giberson/APOC, the #2 mfr of asphalt in the US), try a search for Monolithic (Henry Company, the #1).
I can point you to millions of sq ft of these systems that we installed over 25 years ago. I seriously doubt that you know of ANY retrofit roof system that lasts that long. Many in California have been on 40 years - they rival coal tar pitch in longevity. Sorry, you probably don't know what coal tar is, either.
If you have 2 braincells to rub together to create enough heat to form an original thought, you'd know that the chopped glass system is the adjuster's best friend. It can recover where other systems cannot, because it's light weight, cannot blister, and Class A fire rated. Plus, it saves the carrier 30-50% over the cost of tear off.
I'm not hear to sell roofs, that's why you still don't know the name of our roofing company. I'm just hear to help goofy adjuster like Chuck, point out how goofy some adjusters are. I'm hear to tell the rest of the story, that some adjusters are as crooked as the day is long. The fact that one of you had the audacity to imply that roofers cannot be part of the adjusting process is testament to what I'm saying.
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| 05/18/2009 8:27 AM |
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Chucky, I'm flattered that you bothered to go to my website and learn all about me...I guess. :-) You're the typical loudmouth adjuster I've been trying to say exists - and thanks for popping up right on que to help me prove my point. You're a bully, accustomed to ramrodding your way through to get the result you want. I spent a lot of years in the anti-bully business, teaching Ni Gojuryu at my West Texas dojos. Trust me when I say I know a bully when I run across one, you are it. I deal with bullying adjusters the same way I taught my students to deal with bullies on the school playground: Stand up to them and 99% of the time you'll learn that they're all talk and no substance.
Now, back on topic. We are certified to install many different commercial roof systems, includign mod bit and TPO which is all the rage these days. If you knew anything about what you're talking about you'd know that TPO and mod bit are vastly inferior to chopped glass roofing. What do you think every built-up roofing system consists of? Asphalt as the waterproofing, and felt/membrane to reinforce the asphalt. Chopped glass is the very same Owens Corning glass that is used in Perma Ply-R and many other conventianal roofing systems. Emulsion asphalt serves the very same purpose as hot asphalt, but without its bad habits. It's the same process, just a more modern method of installation. Lastly, your "petroleum" emulsion comment makes it obvious you're lost. One of the attractive features of emulsion is that it does not use petroleum distillates as a vehicle, thus its ability to carry a Class A fire ratng.
Get up to speed; it's really hard to believe you're out in the real world adjusting losses with your limited knowledge. |
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| 05/18/2009 8:38 AM |
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Every adjuster who ever threatened me did so for one specific reason: I frustrated them because I was forcing them to pay a claim they did not want to pay. I learn a lesson about adjusters over 20 years ago, and that is that I have to insist on being present during his/her intitial inspection. Why? Simply because more often than not, once an adjuster has made up his mind that there is no damage, his ego will not allow his mind to be changed when I point out the damage later on his 2nd inspection. That's human nature I guess, but it is a fact that it's a lot easier to get an adjuster to see the damage the first time, than it is to get him to admit he was wrong.
Look, I didn't come here to be a nuisance. I stumbled upon this site while reseaching weather. But once I found it I thought, hey, what a great opportunity to tell another side of the story among a group of people happliy patting each other on the back as though all adjusters are the good guys and all roofers are the bad guys. Every roofer out there KNOWS there are a lot of dishonest and inept adjustors out there. The fact that most of the roofers won't tell you that is because they're smart enough not to shoot themselves in the foot - they rely on adjusters to make their living. Don't confuse that with respect. |
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