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How do you compete with people who
are eating deductibles or homeowners

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who have really high deductibles?

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Let's say it's Texas, Louisiana, or
Florida from hurricanes, or maybe

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they just have higher deductibles
in general, and you're up against

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contractors who are playing slimy,
sleazy, and frankly illegal games.

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And what if I told you that
there were three simple ways.

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For you to help them with their
deductible without having to break the

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law, without doing anything that you
shouldn't do, without having to even

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consider having the conversation about
using ACV payments or actual cash value

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payments from things like siding, window
wraps, garage doors, things like that.

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Yeah, it's crazy.

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It's wild, and it will help you outcompete
your competitors by offering something

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that most people are not offering.

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I'm gonna share some things with you
here in this video that can truly

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change the game if you're selling an
estate or in a storm environment with

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really high deductibles or even actual
cash value policies where homeowners

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are needing to come out of pocket.

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Now, let's get.

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First, I just wanna say a
quick welcome or welcome back.

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My name is Adam.

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Bens been the roof strategist, and
everything that I do here is designed

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to help you and your team smash
your income goal and give every

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customer an amazing experience.

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And if you like these videos and you
want more, I'd invite you to join

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me inside my free training center.

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There's no catch.

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You can click the link in the
description to get access right.

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Now, let's get started.

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In today's times, we're seeing more
and more trends of deductibles going

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to percentage of home value, higher
amount, special deductibles for hail,

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wind, or hurricane, and the competition.

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Even though eating deductibles is illegal
and fraudulent, people still do it.

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So I want to teach you a way that doesn't
require using even the actual cash value.

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Because let's say a homeowner gets
a wall of siding or even things

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like a mailbox paid for, you know,
from the dents on the mailbox.

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If a homeowner takes those actual
cash value payments and just pockets

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it, these things, even as silly as
it might sound, the mailbox or a, you

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know, window or door wraps, things
like that, they are no longer insured.

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Meaning if there's another loss and
the insurance company comes out and

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they're like, Hey, you had this mailbox
before, or the The door wrapper.

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Window wrapper.

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The fence posts.

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Back here that are damaged.

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The painting and staining of fences, all
of those items are no longer insured.

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And although it can be an effective
tactic and as long as the homeowner's

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educated, it can be helpful.

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I don't necessarily
think it's for everybody.

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So the earth shattering way to do this
is using financing, but hang tight.

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There's more.

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There's three ways that we can
use financing to help a homeowner

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with their deductible, but
even put money in their pocket.

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Let's start with the obvious one.

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Financing the deductible.

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That's obvious.

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Hey, you have a $5,000 deductible.

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We offer financing.

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We can finance it.

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Great.

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That's common sense.

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Let's talk about the less common
sense paths, which is paths two and

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three, and believe me, you're gonna
wanna stick around for number three

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because it's relatively mind blowing.

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I know that there are folks
out there doing this, but those

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that aren't, this can be mind.

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All right.

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Path number two.

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Let's say this homeowner has
a $20,000 loss, for example,

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with a $5,000 deductible.

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Instead of having to compete about eating
the deductible or con contributing towards

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it somehow, which again is fraudulent
and illegal, we can say, Hey, Mr.

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Homeowner, the $15,000 that you'll be
collecting from the insurance company.

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That's tax free money that you could keep
and we can get your roof done entirely.

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We finance it, and you'll have
a small monthly investment

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of just about 232 bucks.

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Now, by the way, I'm pulling these
numbers out of a hat, so reference

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the financing vessels, the financing
partner, and the financing packages that

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you have available at your disposal.

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But the point is that homeowner can
take all of the insurance money and

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pocket it to use for whatever they want.

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Buying a new car, a kitchen remodel,
paying off credit card debt,

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saving for a big fun vacation.

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That money they can use
for anything at all.

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So imagine if someone just said,
I'll eat five grand, or you're like,

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I'll put $15,000 in your pocket.

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Who's gonna win in?

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You can see the obvious answer.

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And of course it comes at a small
exchange for that, uh, financing

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investment each and every month, and
that my friend is vessel number two.

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Now, vessel number three is a little bit
more advanced, and it's not for everybody,

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but it includes adding a solar system
to the roof, which believe it or not.

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Makes the roof even more affordable.

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Now, hang with me and I'm
gonna explain all of this.

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The reason that I'm bringing this up
is my partner and I, his name's Cody,

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we co-developed a roof with solar sales
system for storm and retail as well.

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We have been testing this
quietly behind the scenes.

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We rolled it out with a
couple of contractors.

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In fact, Cody's company is using it even
as we speak with mind blowing results.

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When we add a solar system to the roof,
there's tremendous value to the homeowner.

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And I should have mentioned, if you're
interested in the system, there's

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a link in the description below to
bring us to your, to our website.

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You can learn more and book a demo.

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Let's say this homeowner
has a $20,000 roof.

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With a $5,000 deductible.

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Now, if they went with path number
two, which is they're gonna finance

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the roof, let's just say that their
payment is 232 bucks a month, they

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now still have to pay their electric
bill, which for this conversation,

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let's just call it 400 bucks.

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So it's $632 each and every month
with their roof plus their electric.

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But if they go to a roof with
solar combo and they decide, Hey,

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let's add a solar system to our.

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What this allows us to do is offer
the homeowner the option to pocket

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100% of that insurance money,
$15,000 right in their pocket to

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use for whatever they want, get the
roof and solar done with zero down.

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And then because they're adding a
solar system to the roof, it opens

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up the solar financing vessels,
which are much longer terms.

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So instead of a five or 10 year loan
for the roof, you're looking at a 20 to

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25, maybe even 30 year loan on a solar.

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And the interest.

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Home improvement for roof is here.

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Solar is much lower, and I know
that rates are rising across the

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board, but solar is still much
lower than traditional financing

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vessels for home improvement loans.

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What that equates to my friend is that
being a longer term loan, usually twice

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as long with rates, sometimes even half or
less, is much means that the homeowner's

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monthly investment is way, way lower.

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And to add to.

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Even though they're financing a larger
amount, say a typical $20,000 roof

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with a $40,000 system, now you turn
that $20,000 roof into a $60,000 sale.

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By saving the homeowner money, they save
money because they're now going to be

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spending instead of the 2 32 a month for
the roof, plus 400 for electric, plus

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or minus about a hundred bucks, right?

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Because longer term loan, lower financ.

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Why?

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Because we're factoring in the
reduction of their electric bill.

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So when we compare both of these together,
their monthly expense can often go down.

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And I know it may sound crazy, but
with the right solar partner in the

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right financing vessels, you can offer
a roof with solar combo that becomes

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more affordable than just a roof alone.

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And in doing so, you can triple.

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Take a $20,000 roof, turn it into a
$60,000 offer, put 15,000 into the

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pocket of your homeowner, and then
the homeowner gets a solar system,

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increases their their home value, and
gets solar at the absolute best time.

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To ever get it, which is alongside
a new roof, and it's a little

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less intuitive way to go about it.

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But if you're interested in learning
that model for path number three,

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I'd invite you to learn more about
our roof with solar sales system.

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It does include, by the way, my, my
roofing sales system, because this

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works alongside it to sell these combos.

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Now, one thing just to get outta
the way, my system is not designed

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just to help you go sell solar.

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It is specifically designed to sell.

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With solar together at this time
of purchase for the homeowner

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who's going through the insurance
process or even on the retail side.

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And believe it or not, the
value add is very similar.

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So there you have it, three really, really
powerful ways that are a little bit more

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out of the box to help you help homeowners
who have high deductibles ACV policies

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or percentage of home value policies.

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And when you.

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You can either finance the deductible,
which is the plain Jane way.

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Number two is you finance the
roof and let them keep the cash.

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Again, outcompeting the person
that's doing some slimy stuff.

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Or option number three, we flip them
into a roof with solar combo, and at

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the end of the day, it ends up being
even more cost effective than financing

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the roof alone in many scenarios.

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Now, if you'd like to learn more about
that system, you can also text the.

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Demo.

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This is for our roof
with solar sales system.

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It is designed for companies text
the word demo to 3 0 3 2 2 2 71 33.

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That's 3 0 3 2 2 2 71 33.

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Alright, just cuz our time here is about
to wrap up, doesn't mean our time has to.

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Now, if you haven't yet done it,
jump into my free training center

00:08:58.430 --> 00:09:01.490
right here, or hang with me here
on YouTube and jump right into this

00:09:01.490 --> 00:09:03.200
video and I will see you on the next.