|Posted on Wednesday, August 09, 2000 - 9:17 pm: |
oh, and one more thing. If you get all your money, you should make more money selling roofs than adjusting these days. Scary, huh?
|Posted on Wednesday, August 09, 2000 - 9:15 pm: |
here are afew items of interest to us along this line of getting paid and why there are some hangups/slow pays occurring out there:
1. Hard to get the depreciation checks from the insureds or supplemental checks from the insurance companies.
2. No respect for the salesman from the adjusters; they seem to assume they are all crooks. Granted, many times I find "errors" on roofers' estimates, but there are some good ones out there. Too often, the salesman arbitrarily "totals" all roofs he wants to sell, without confirming damage or getting correct measurements. Adjusters don't return phone calls and are, for the most part, difficult to deal with.
3. Some roof materials are difficult to get, i.e. slate.
4. Good roofing crews are hard to find
5. When you leave a storm, count on difficulty getting your money. You may be hard to track, the roofing company may be too. Keep all phone numbers current on these guys, and get their home office address, phone numbers, fax.
6. Paperwork gets lost; keep copies of all your files to prove your case, should there be problems.
7. Have an attorney handy.
We are getting some monies trickling in, 3 months later, as the jobs get done. The jury is still out on the rest of the monies; will keep posted.
I think selling roofs is harder; more competitive, don't get the same level of respect as a salesperson, versus insurance adjuster. Sales is a more dog-eat-dog deal, always has been.
Keep close track of your commissions and job costs.
Above all, confirm damage. If more of the salespersons out there did this, things sure would go alot smoother. And measure hip roofs like gable roofs with 15% waste; amazing how many roof salespeople measure from the corner to the ridge, then add another 15%! That incoreect method inflates the total squares by 3-5 every time on an average size roof.
|The Old Dog|
|Posted on Monday, August 07, 2000 - 11:03 am: |
I have been in the construction industry literally all of my life (60+) yrs, the last 20 or so as an adjuster. There has been a couple of times in my career that I've needed to take up some "slack" by selling roofs,,,,,for which I've yet to be paid!!!! I hear this same scenario from some of my "circle" of friends. I think this stems from the inherent process of payment,( or possibly the inherent nature of the roofing business), being a time element between "selling the roof" and "collecting for the roof", no matter when you leave, you're probably going to leave money on the table. I should also state that I've never been short changed or had any of the negative experiences I hear about on CADO in my adjusting career. Maybe I've just been unlucky w/roofing companys and very lucky w/insurance Companys????? Or maybe I'm a better adjuster than I am a roof salesman?????
|Posted on Sunday, August 06, 2000 - 9:36 pm: |
I have taken a job selling roofs and I am not ashamed to say so! Most roofs I get on the adjuster has already been on and I get to see good work and bad done by adjusters. In my adjusting work I try to maintain the policy of fair treatment for the policyholder and company. If a roof is damaged and insured is not being treated fairly I mark the roofs as I would as an adjuster and the adjuster employed by the company is invited back for another inspection. In my 5 year career adjusting I have worked as an independent for Allstate & State Farm. The paper work involved in selling a roof, etc. is much less and the stress is much less than working as an adjuster. However, I am most proud to be a Catadjuster! I want to work storms but my kids want to eat! We all know it seems to be feast or famine for a majority of us in this industry and I even received a newsletter from a major Cat Co. suggesting we should save our money and manage it based on this fact! I just hope I get paid whether working for a Cat Co. or a Roofing Co.!