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“Because your company is only as STRONG as you are.”
Forward-thinking roofers tune in to get help building STRONG companies, sales teams, leaders, systems, marketing, relationships, culture, and financials.
Whether you own a own a roofing company, manage one, or sell roofs - subscribe to the channel for content that will help you:
1) Close even more roofing sales.
2) Adapt to new roofing industry trends and changes.
3) Take control of your roofing marketing and lead generation.
4) Improve D2D roofing sales.
5) Build the roofing company of tomorrow.
Hosted by Adam Bensman
- Started in D2D roofing sales in 2011
- Former Roofing Company COO (multi-state)
- Creator of the Roof Strategist Sales System (used nationwide for retail + storm)
- Founder of The Roofing STRONG Alliance by TAMKO™ (formerly known as the Roofing & Solar Reform Alliance)
- Author of the #1 Best-Selling Book: The Roofing Sales Survival Guide: Beat the Odds, Overcome Yourself, and Win Big
Content produced on or before 5/13/26 was previously produced by The Roof Strategist, TAMKO makes no representations or warranties regarding the content.
How do you compete with people who
are eating deductibles or homeowners
who have really high deductibles?
Let's say it's Texas, Louisiana, or
Florida from hurricanes, or maybe
they just have higher deductibles
in general, and you're up against
contractors who are playing slimy,
sleazy, and frankly illegal games.
And what if I told you that
there were three simple ways.
For you to help them with their
deductible without having to break the
law, without doing anything that you
shouldn't do, without having to even
consider having the conversation about
using ACV payments or actual cash value
payments from things like siding, window
wraps, garage doors, things like that.
Yeah, it's crazy.
It's wild, and it will help you outcompete
your competitors by offering something
that most people are not offering.
I'm gonna share some things with you
here in this video that can truly
change the game if you're selling an
estate or in a storm environment with
really high deductibles or even actual
cash value policies where homeowners
are needing to come out of pocket.
Now, let's get.
First, I just wanna say a
quick welcome or welcome back.
My name is Adam.
Bens been the roof strategist, and
everything that I do here is designed
to help you and your team smash
your income goal and give every
customer an amazing experience.
And if you like these videos and you
want more, I'd invite you to join
me inside my free training center.
There's no catch.
You can click the link in the
description to get access right.
Now, let's get started.
In today's times, we're seeing more
and more trends of deductibles going
to percentage of home value, higher
amount, special deductibles for hail,
wind, or hurricane, and the competition.
Even though eating deductibles is illegal
and fraudulent, people still do it.
So I want to teach you a way that doesn't
require using even the actual cash value.
Because let's say a homeowner gets
a wall of siding or even things
like a mailbox paid for, you know,
from the dents on the mailbox.
If a homeowner takes those actual
cash value payments and just pockets
it, these things, even as silly as
it might sound, the mailbox or a, you
know, window or door wraps, things
like that, they are no longer insured.
Meaning if there's another loss and
the insurance company comes out and
they're like, Hey, you had this mailbox
before, or the The door wrapper.
Window wrapper.
The fence posts.
Back here that are damaged.
The painting and staining of fences, all
of those items are no longer insured.
And although it can be an effective
tactic and as long as the homeowner's
educated, it can be helpful.
I don't necessarily
think it's for everybody.
So the earth shattering way to do this
is using financing, but hang tight.
There's more.
There's three ways that we can
use financing to help a homeowner
with their deductible, but
even put money in their pocket.
Let's start with the obvious one.
Financing the deductible.
That's obvious.
Hey, you have a $5,000 deductible.
We offer financing.
We can finance it.
Great.
That's common sense.
Let's talk about the less common
sense paths, which is paths two and
three, and believe me, you're gonna
wanna stick around for number three
because it's relatively mind blowing.
I know that there are folks
out there doing this, but those
that aren't, this can be mind.
All right.
Path number two.
Let's say this homeowner has
a $20,000 loss, for example,
with a $5,000 deductible.
Instead of having to compete about eating
the deductible or con contributing towards
it somehow, which again is fraudulent
and illegal, we can say, Hey, Mr.
Homeowner, the $15,000 that you'll be
collecting from the insurance company.
That's tax free money that you could keep
and we can get your roof done entirely.
We finance it, and you'll have
a small monthly investment
of just about 232 bucks.
Now, by the way, I'm pulling these
numbers out of a hat, so reference
the financing vessels, the financing
partner, and the financing packages that
you have available at your disposal.
But the point is that homeowner can
take all of the insurance money and
pocket it to use for whatever they want.
Buying a new car, a kitchen remodel,
paying off credit card debt,
saving for a big fun vacation.
That money they can use
for anything at all.
So imagine if someone just said,
I'll eat five grand, or you're like,
I'll put $15,000 in your pocket.
Who's gonna win in?
You can see the obvious answer.
And of course it comes at a small
exchange for that, uh, financing
investment each and every month, and
that my friend is vessel number two.
Now, vessel number three is a little bit
more advanced, and it's not for everybody,
but it includes adding a solar system
to the roof, which believe it or not.
Makes the roof even more affordable.
Now, hang with me and I'm
gonna explain all of this.
The reason that I'm bringing this up
is my partner and I, his name's Cody,
we co-developed a roof with solar sales
system for storm and retail as well.
We have been testing this
quietly behind the scenes.
We rolled it out with a
couple of contractors.
In fact, Cody's company is using it even
as we speak with mind blowing results.
When we add a solar system to the roof,
there's tremendous value to the homeowner.
And I should have mentioned, if you're
interested in the system, there's
a link in the description below to
bring us to your, to our website.
You can learn more and book a demo.
Let's say this homeowner
has a $20,000 roof.
With a $5,000 deductible.
Now, if they went with path number
two, which is they're gonna finance
the roof, let's just say that their
payment is 232 bucks a month, they
now still have to pay their electric
bill, which for this conversation,
let's just call it 400 bucks.
So it's $632 each and every month
with their roof plus their electric.
But if they go to a roof with
solar combo and they decide, Hey,
let's add a solar system to our.
What this allows us to do is offer
the homeowner the option to pocket
100% of that insurance money,
$15,000 right in their pocket to
use for whatever they want, get the
roof and solar done with zero down.
And then because they're adding a
solar system to the roof, it opens
up the solar financing vessels,
which are much longer terms.
So instead of a five or 10 year loan
for the roof, you're looking at a 20 to
25, maybe even 30 year loan on a solar.
And the interest.
Home improvement for roof is here.
Solar is much lower, and I know
that rates are rising across the
board, but solar is still much
lower than traditional financing
vessels for home improvement loans.
What that equates to my friend is that
being a longer term loan, usually twice
as long with rates, sometimes even half or
less, is much means that the homeowner's
monthly investment is way, way lower.
And to add to.
Even though they're financing a larger
amount, say a typical $20,000 roof
with a $40,000 system, now you turn
that $20,000 roof into a $60,000 sale.
By saving the homeowner money, they save
money because they're now going to be
spending instead of the 2 32 a month for
the roof, plus 400 for electric, plus
or minus about a hundred bucks, right?
Because longer term loan, lower financ.
Why?
Because we're factoring in the
reduction of their electric bill.
So when we compare both of these together,
their monthly expense can often go down.
And I know it may sound crazy, but
with the right solar partner in the
right financing vessels, you can offer
a roof with solar combo that becomes
more affordable than just a roof alone.
And in doing so, you can triple.
Take a $20,000 roof, turn it into a
$60,000 offer, put 15,000 into the
pocket of your homeowner, and then
the homeowner gets a solar system,
increases their their home value, and
gets solar at the absolute best time.
To ever get it, which is alongside
a new roof, and it's a little
less intuitive way to go about it.
But if you're interested in learning
that model for path number three,
I'd invite you to learn more about
our roof with solar sales system.
It does include, by the way, my, my
roofing sales system, because this
works alongside it to sell these combos.
Now, one thing just to get outta
the way, my system is not designed
just to help you go sell solar.
It is specifically designed to sell.
With solar together at this time
of purchase for the homeowner
who's going through the insurance
process or even on the retail side.
And believe it or not, the
value add is very similar.
So there you have it, three really, really
powerful ways that are a little bit more
out of the box to help you help homeowners
who have high deductibles ACV policies
or percentage of home value policies.
And when you.
You can either finance the deductible,
which is the plain Jane way.
Number two is you finance the
roof and let them keep the cash.
Again, outcompeting the person
that's doing some slimy stuff.
Or option number three, we flip them
into a roof with solar combo, and at
the end of the day, it ends up being
even more cost effective than financing
the roof alone in many scenarios.
Now, if you'd like to learn more about
that system, you can also text the.
Demo.
This is for our roof
with solar sales system.
It is designed for companies text
the word demo to 3 0 3 2 2 2 71 33.
That's 3 0 3 2 2 2 71 33.
Alright, just cuz our time here is about
to wrap up, doesn't mean our time has to.
Now, if you haven't yet done it,
jump into my free training center
right here, or hang with me here
on YouTube and jump right into this
video and I will see you on the next.