1
00:00:00,240 --> 00:00:03,600
There are three things that you must
know, whether you're selling hail,

2
00:00:03,600 --> 00:00:05,880
wind or hurricane damage roofs.

3
00:00:06,300 --> 00:00:07,590
I get this question a lot.

4
00:00:07,590 --> 00:00:09,000
And in this video I'm
going to be answering.

5
00:00:09,810 --> 00:00:11,070
The following questions.

6
00:00:11,070 --> 00:00:14,010
Number one, what is the
difference between selling hail

7
00:00:14,010 --> 00:00:15,360
wind and hurricane number two?

8
00:00:15,360 --> 00:00:16,560
What do I need to know?

9
00:00:16,740 --> 00:00:19,830
And then number three, Hey, I'm in retail.

10
00:00:19,860 --> 00:00:21,810
Where do I even start?

11
00:00:21,960 --> 00:00:25,799
When it comes to adding these
losses on to my business, learning

12
00:00:25,799 --> 00:00:29,340
how to take advantage of them
because they will inevitably

13
00:00:29,340 --> 00:00:31,920
occur darn near wherever you live.

14
00:00:32,250 --> 00:00:36,900
And the last question is a big one and
that is I've been familiar selling.

15
00:00:37,465 --> 00:00:42,805
But not hail or hail, but not wind or
hurricane, but never Hale and whether

16
00:00:42,805 --> 00:00:47,245
or not you've had this experience, this
video is going to help highlight the

17
00:00:47,245 --> 00:00:51,385
three key differences, but I'm going to
end this video with a very important tip.

18
00:00:51,385 --> 00:00:53,575
I'm sharing it to the end
because it will make sense.

19
00:00:54,435 --> 00:00:57,465
Once I go through these three
tips, I just spoke the gentlemen.

20
00:00:57,465 --> 00:00:59,715
Who've been in the business for
seven years and I shared this advice.

21
00:00:59,715 --> 00:00:59,985
I hugged him.

22
00:00:59,985 --> 00:01:02,625
I said, this is very important
for you to add your workflow.

23
00:01:02,865 --> 00:01:07,245
You need to be doing this when
you get these claims called in and

24
00:01:07,245 --> 00:01:09,315
here's why, and his eyes opened.

25
00:01:09,315 --> 00:01:09,915
He goes, holy shit.

26
00:01:10,725 --> 00:01:11,684
I need to start doing that.

27
00:01:12,045 --> 00:01:14,295
So whether you're brand new or you
have experienced, I promise you this

28
00:01:14,295 --> 00:01:18,464
video is going to help highlight
those differences and help you serve

29
00:01:18,464 --> 00:01:22,815
your customers even better because,
Hey, that's what it's all about.

30
00:01:22,875 --> 00:01:26,235
Helping you smash your income
goal and giving every customer

31
00:01:26,324 --> 00:01:27,285
an amazing experience.

32
00:01:27,285 --> 00:01:27,764
So welcome.

33
00:01:27,975 --> 00:01:28,514
Welcome back.

34
00:01:28,514 --> 00:01:30,884
My name is Adam Benjamin, the
Rue strategist, and I'm super

35
00:01:30,884 --> 00:01:32,024
excited to dive into this because.

36
00:01:32,714 --> 00:01:34,905
As I said before, my mission is to
help you smash your income goal,

37
00:01:34,964 --> 00:01:37,695
give every customer an amazing
experience, but in order to give them

38
00:01:37,695 --> 00:01:39,285
an amazing experience, that's on you.

39
00:01:39,315 --> 00:01:40,574
It's not up to the insurance carrier.

40
00:01:40,574 --> 00:01:41,145
Quite frankly.

41
00:01:41,145 --> 00:01:42,435
I don't think they care that much.

42
00:01:43,005 --> 00:01:46,755
What we need to do is understand this
process intimately so we can best serve

43
00:01:46,755 --> 00:01:50,235
them because when all of these things
align, that's when you go to bed, feeling

44
00:01:50,235 --> 00:01:53,955
fulfilled, excited, and honored to serve
and feeling really good about yourself.

45
00:01:53,985 --> 00:01:55,005
So let's get to it.

46
00:01:55,005 --> 00:01:56,265
The three things that you must know.

47
00:01:57,479 --> 00:01:58,679
I want to get one thing out of the way.

48
00:01:58,979 --> 00:02:01,530
I get people that ask me this
question and say, Adam, you know,

49
00:02:01,560 --> 00:02:03,210
I, I want to use your program, Mike.

50
00:02:03,229 --> 00:02:05,100
You're all in one sales training
sales strategy and sales

51
00:02:05,100 --> 00:02:06,990
system, will it work for hail?

52
00:02:06,990 --> 00:02:08,100
Will it work for wind?

53
00:02:08,130 --> 00:02:09,329
Will it work for hurricane?

54
00:02:09,509 --> 00:02:10,320
Will it work for.

55
00:02:11,115 --> 00:02:14,205
And the answer is yes, not only.

56
00:02:14,235 --> 00:02:14,805
Yes.

57
00:02:14,955 --> 00:02:19,485
I have specific material for storm
claims for retail in Spanish, in Florida.

58
00:02:19,625 --> 00:02:20,505
That's the battle pack.

59
00:02:20,775 --> 00:02:21,075
Okay.

60
00:02:21,315 --> 00:02:23,655
And the actual sales system.

61
00:02:23,655 --> 00:02:26,055
So this is kind of the
fundamental background, the sales

62
00:02:26,415 --> 00:02:29,115
system or the sales process.

63
00:02:29,115 --> 00:02:34,365
The sales strategy is
the same, no matter what.

64
00:02:34,755 --> 00:02:35,145
All right.

65
00:02:35,145 --> 00:02:36,675
Now I know you're thinking,
oh, well it's different.

66
00:02:36,675 --> 00:02:36,765
It's.

67
00:02:37,545 --> 00:02:42,525
I promise the sales system, the key
touch points, what you do, how you

68
00:02:42,525 --> 00:02:45,015
process that customer is the same.

69
00:02:45,285 --> 00:02:47,505
The only thing that
changes there's two pieces.

70
00:02:47,505 --> 00:02:49,245
One is what's said in the material use.

71
00:02:49,365 --> 00:02:51,225
So the communication,
that's why I said one thing.

72
00:02:51,405 --> 00:02:52,965
I'm going to grip that
together in the communications.

73
00:02:52,965 --> 00:02:55,725
And number two is any of the
direct dealings with the insurance

74
00:02:55,725 --> 00:02:57,465
company, nine out of 10 of the.

75
00:02:57,940 --> 00:03:02,170
Are behind the scenes anyway, which means
it doesn't change the sales process or the

76
00:03:02,170 --> 00:03:04,990
sales flow from the customer experience.

77
00:03:05,230 --> 00:03:08,740
That's why companies, the thousands
of folks who are using our all-in-one

78
00:03:08,740 --> 00:03:11,530
sales training, sales strategy and
sales system called the roofing sales

79
00:03:11,530 --> 00:03:14,320
success formula for you or your team.

80
00:03:14,320 --> 00:03:17,470
By the way, there's a link in the video
description below are able to follow

81
00:03:17,470 --> 00:03:18,910
this, but that's beside the point.

82
00:03:18,970 --> 00:03:20,350
The key thing is that you need to know it.

83
00:03:20,350 --> 00:03:20,500
Doesn't.

84
00:03:21,125 --> 00:03:21,454
All right.

85
00:03:21,635 --> 00:03:23,435
Whether using mine or
your own doesn't change.

86
00:03:23,465 --> 00:03:27,845
By the way, if you have questions about,
uh, our programs, you can call our office.

87
00:03:27,845 --> 00:03:32,135
Here's our number 3 0 3 2 2 2 7 1 3 3.

88
00:03:32,135 --> 00:03:34,685
That's (303) 222-7133.

89
00:03:34,685 --> 00:03:35,584
You can call or text.

90
00:03:35,644 --> 00:03:35,885
All right.

91
00:03:35,915 --> 00:03:36,605
Now let's get to it.

92
00:03:36,785 --> 00:03:38,555
So the three touch points.

93
00:03:38,555 --> 00:03:40,024
Number one, we just covered.

94
00:03:40,475 --> 00:03:40,745
All right.

95
00:03:40,774 --> 00:03:42,545
This was a bit of a teaser process.

96
00:03:42,575 --> 00:03:43,195
Is it.

97
00:03:44,310 --> 00:03:44,610
Okay.

98
00:03:45,090 --> 00:03:48,240
So remember hail wind
hurricane doesn't matter.

99
00:03:48,420 --> 00:03:49,380
Let me walk you through it.

100
00:03:49,650 --> 00:03:53,370
One, you need to show up
and identify the damage.

101
00:03:53,970 --> 00:03:56,100
Number two, we'll get that claim filed.

102
00:03:56,250 --> 00:03:58,680
Number three, the adjuster
comes out and says, yes.

103
00:03:59,430 --> 00:03:59,730
All right.

104
00:03:59,880 --> 00:04:01,980
Number four, we're going to review
that scope with the homeowner.

105
00:04:02,160 --> 00:04:04,859
Number five, we're going to start that
work usually with a deposit check.

106
00:04:05,010 --> 00:04:07,230
And then when we're done, we're going
to invoice the insurance company

107
00:04:07,230 --> 00:04:09,780
to release file, or excuse me, to
release any depreciation that may

108
00:04:09,780 --> 00:04:11,460
be due along with any supplements.

109
00:04:11,460 --> 00:04:14,220
Then we collect final payment,
hail wind, hurricane same.

110
00:04:14,310 --> 00:04:20,430
So process from a sales standpoint
and a claim standpoint is identical.

111
00:04:20,430 --> 00:04:21,029
That's the beautiful.

112
00:04:21,644 --> 00:04:25,695
All right, so don't be afraid or timid
to go from working one to the other.

113
00:04:25,724 --> 00:04:27,344
It is identical.

114
00:04:27,375 --> 00:04:29,924
Now this is where we start
getting into what is different.

115
00:04:30,135 --> 00:04:32,174
And that is how to ID the damage.

116
00:04:32,354 --> 00:04:35,294
Now it's really important for us to
get into some weeds here, and then

117
00:04:35,294 --> 00:04:37,335
I'm going to give you, but when
I say weeds, I mean the details,

118
00:04:37,575 --> 00:04:40,995
I'm going to give you a couple of
recommendations for resources and people

119
00:04:41,145 --> 00:04:43,604
that I trust to help on this front.

120
00:04:43,604 --> 00:04:45,104
So let's go through.

121
00:04:46,185 --> 00:04:49,515
I'll never remember the very
first roof that I was on that

122
00:04:49,515 --> 00:04:50,625
got covered by hail damage.

123
00:04:50,625 --> 00:04:53,205
I'm up there and I'm doing the
thing, you know, you know, the hail

124
00:04:53,205 --> 00:04:56,205
damage inspection that bent over and
you're staring and you're doing your

125
00:04:56,205 --> 00:04:58,215
thing and you're poking and feeling.

126
00:04:58,215 --> 00:05:00,375
And it's like, you're trying to find
a needle in a haystack sometimes by

127
00:05:00,375 --> 00:05:03,885
the way, my friends down south that
get like Texas, Texas sized hail,

128
00:05:04,455 --> 00:05:06,765
you may not experience this, but when
you're working, you know, one inch

129
00:05:06,765 --> 00:05:08,685
hail, sometimes it's not as evident.

130
00:05:08,685 --> 00:05:11,745
And I remember being up there and I'm
like, why are they replacing this roof?

131
00:05:11,745 --> 00:05:12,675
It seems fine to me.

132
00:05:13,034 --> 00:05:14,625
And it's because to the untrained.

133
00:05:15,405 --> 00:05:16,455
I didn't know what to look for.

134
00:05:16,695 --> 00:05:21,225
I didn't realize the significance of
the bruising to the matting of the

135
00:05:21,255 --> 00:05:24,735
granule loss that exposed the matting
to the UV light, to Ben rotten,

136
00:05:24,735 --> 00:05:25,545
the shingle from the inside out.

137
00:05:25,545 --> 00:05:28,905
I didn't realize that the lifespan of the
roof was compromised, meaning shorten.

138
00:05:28,905 --> 00:05:30,855
I didn't realize that the
manufacturer's warranty was no

139
00:05:30,855 --> 00:05:32,385
invoice after being damaged.

140
00:05:32,685 --> 00:05:34,485
All of these is why it's covered.

141
00:05:34,485 --> 00:05:35,265
So it's not only under.

142
00:05:36,020 --> 00:05:40,159
What to look for, but the reasons why
it's covered and for that is where I'd

143
00:05:40,159 --> 00:05:42,590
recommend the national claims Institute.

144
00:05:42,919 --> 00:05:46,010
Uh, Matt Mulholland, who considers
himself the Dean of students, I

145
00:05:46,010 --> 00:05:47,479
believe national claims Institute.

146
00:05:47,690 --> 00:05:52,099
Matt is a fellow mentor
inside the pitch pro.

147
00:05:53,190 --> 00:05:55,140
Link in the description below as well.

148
00:05:55,470 --> 00:05:57,300
And I am not, by the way,
Matt doesn't even know.

149
00:05:57,300 --> 00:05:58,020
I mentioning this.

150
00:05:58,230 --> 00:05:59,910
I'm not affiliated with
national claims is due.

151
00:05:59,910 --> 00:06:01,650
I don't get kickbacks or referral fees.

152
00:06:01,860 --> 00:06:04,410
I'm sharing this because I've had people
go through it and reach out and love it.

153
00:06:04,590 --> 00:06:08,490
I have every intention of getting down
there myself, but Matt at national claims.

154
00:06:09,050 --> 00:06:13,880
In his facility has like literally
mock structures to walk you through

155
00:06:13,880 --> 00:06:15,200
what to look for, why it's covered.

156
00:06:15,440 --> 00:06:18,740
So it might be a really good resource for
you or your team on all different types of

157
00:06:18,740 --> 00:06:23,480
losses, not only on what to look for, but
the, the insurance side of things as well.

158
00:06:23,690 --> 00:06:25,310
Uh, so again, that's Matt Mulholland.

159
00:06:25,460 --> 00:06:26,630
You can find him on Facebook too.

160
00:06:26,630 --> 00:06:30,170
Matthew Mulholland with
one T uh, M a T H E w.

161
00:06:30,200 --> 00:06:30,860
Matthew Maholick.

162
00:06:30,890 --> 00:06:35,480
So that's one resource number two
is understanding tidy the damage.

163
00:06:35,510 --> 00:06:36,890
I'm going to slide into
another recommendation.

164
00:06:37,435 --> 00:06:37,795
All right.

165
00:06:38,094 --> 00:06:40,075
And this is for John.

166
00:06:40,525 --> 00:06:43,045
a fellow mentor inside
the pitch pro movement.

167
00:06:43,045 --> 00:06:45,055
Again, there's a link in the
video description for that.

168
00:06:45,265 --> 00:06:47,035
Let's say I deemed the damage.

169
00:06:47,065 --> 00:06:51,175
I remember my first wind claim
where I had multiple lifted

170
00:06:51,175 --> 00:06:53,035
shingles, but only some had creases.

171
00:06:53,425 --> 00:06:55,765
So sometimes when damage
is obvious, right?

172
00:06:55,795 --> 00:06:56,605
Like shingles are blown off.

173
00:06:56,605 --> 00:06:57,895
Sometimes there is lifted.

174
00:06:57,985 --> 00:06:58,915
Sometimes there's creases.

175
00:06:58,915 --> 00:06:59,665
How many do you need?

176
00:06:59,905 --> 00:07:03,685
Well, what can often happen, especially
in states that are, there are

177
00:07:03,685 --> 00:07:06,055
certain regions where there's a high.

178
00:07:07,870 --> 00:07:13,240
Saturation of homes that were built
with shingle products that are now

179
00:07:13,270 --> 00:07:16,840
discontinued, which means there's
compatibility, accessibility,

180
00:07:16,840 --> 00:07:18,160
repel, repairability issues.

181
00:07:18,160 --> 00:07:22,300
By the way, this is what John seen teaches
these three compatibility accessibility

182
00:07:22,300 --> 00:07:25,000
repairability, by the way, anyone that,
if I said it wrong, please correct me.

183
00:07:25,180 --> 00:07:29,410
So let's say one shingle
is lifted up increased.

184
00:07:30,160 --> 00:07:32,350
That is a law that's covered
by the insurance wind.

185
00:07:32,770 --> 00:07:36,720
Well, With John scene act, by
the way, he also co-founded

186
00:07:36,750 --> 00:07:38,850
MTS ID, which is a laboratory.

187
00:07:38,940 --> 00:07:42,570
You can actually submit that sample
to, to get, uh, indisputable evidence

188
00:07:42,750 --> 00:07:46,350
that that roof can not be repaired,
therefore deems replacement.

189
00:07:46,680 --> 00:07:51,240
And while I was at, um, roof con
with John, uh, gentlemen walked up

190
00:07:51,240 --> 00:07:52,650
with his phone, he's like, John.

191
00:07:53,395 --> 00:07:56,815
And man, I just got this church approved
from like two shingles, no churches

192
00:07:56,815 --> 00:07:59,275
super-stoked cause they needed a
new roof and it was older and it was

193
00:07:59,275 --> 00:08:00,685
damaged, but it was not repairable.

194
00:08:00,864 --> 00:08:06,775
So at any rate, um, John CNX, so I'm just
going to put here MTS ID and he also runs

195
00:08:06,775 --> 00:08:08,905
a Facebook group called name that shingle.

196
00:08:09,234 --> 00:08:13,705
And uh, so those are two ways, but if you
want to go even deeper inside the pitch

197
00:08:13,705 --> 00:08:17,395
pro movement folks have been putting up
their documentation, how to use NTSB.

198
00:08:17,924 --> 00:08:21,555
And kind of sharing that process behind
the scenes of working with insurance

199
00:08:21,555 --> 00:08:24,104
carriers to get those claims approved.

200
00:08:24,104 --> 00:08:26,895
And John's been really helpful
by the way, on helping, uh, some

201
00:08:26,895 --> 00:08:30,075
of our members identify shingles,
like through pictures on roof.

202
00:08:30,075 --> 00:08:30,614
What is this?

203
00:08:30,794 --> 00:08:31,395
So things like that.

204
00:08:31,395 --> 00:08:33,405
So again, I know I said I
was going to get into detail.

205
00:08:34,099 --> 00:08:34,849
I deemed the damage.

206
00:08:34,849 --> 00:08:38,479
It is really important
to deeply understand.

207
00:08:38,750 --> 00:08:39,169
All right.

208
00:08:39,199 --> 00:08:41,419
The hail and wind are
really the two categories.

209
00:08:41,469 --> 00:08:45,349
Hurricane, of course that's
going to be a lot of wins, right.

210
00:08:45,380 --> 00:08:50,120
So we know that again in, in
unfortunately, so many people get fixated.

211
00:08:50,120 --> 00:08:52,819
My hail P my hell, friends
that get fixated on hail when

212
00:08:52,819 --> 00:08:54,020
people get fixated on win.

213
00:08:54,260 --> 00:08:57,490
But oftentimes like here, even
in Colorado, we had a few.

214
00:08:58,165 --> 00:09:02,215
And this is usually a pretty heavy
hail market, but we have some really

215
00:09:02,215 --> 00:09:07,315
big windstorms kicked through on a
couple separate occasions that the

216
00:09:07,315 --> 00:09:10,405
guys and gals out here of my Colorado
friends, you have to be well-versed in

217
00:09:10,435 --> 00:09:14,755
understanding both sides of the equation,
what to look for when doing both.

218
00:09:14,755 --> 00:09:17,655
So that is a, a big difference
is what to look for in a deemed

219
00:09:17,655 --> 00:09:20,485
the damage, understanding the
nuances of how to get those.

220
00:09:21,170 --> 00:09:21,829
Approved.

221
00:09:22,250 --> 00:09:22,760
All right.

222
00:09:22,939 --> 00:09:26,810
This brings me to the third
different, so process is identical.

223
00:09:26,810 --> 00:09:30,230
You must know that that's important
that it's the same from a sales claim.

224
00:09:30,470 --> 00:09:32,900
Number two, the difference is identifying
things and understand the implications.

225
00:09:32,900 --> 00:09:35,630
Number three, this is the
final difference, which is the

226
00:09:35,630 --> 00:09:38,660
deductible and time limits.

227
00:09:39,920 --> 00:09:40,340
Okay.

228
00:09:40,939 --> 00:09:42,290
Deductible and time limits.

229
00:09:42,290 --> 00:09:43,460
Let me get this erased here.

230
00:09:44,360 --> 00:09:49,520
So let me give you a few
examples when there is a named.

231
00:09:50,685 --> 00:09:55,575
What I mean by name does a hurricane
lips often more often than not a

232
00:09:55,575 --> 00:09:59,835
named event or hurricane is going to
have a specific hurricane deductible,

233
00:10:00,045 --> 00:10:02,175
which typically is quite high.

234
00:10:02,265 --> 00:10:05,655
It usually a percentage of home
value or a fixed amount that would be

235
00:10:05,655 --> 00:10:08,325
different than all other insured losses.

236
00:10:08,355 --> 00:10:08,625
Okay.

237
00:10:08,835 --> 00:10:12,645
Meaning, Hey, your insurance, a
deductible is X dollar amount, but

238
00:10:12,645 --> 00:10:14,175
if it's a hurricane, it's this much.

239
00:10:14,385 --> 00:10:14,775
So.

240
00:10:15,795 --> 00:10:18,105
Excuse me, the type of loss will
dictate the deductible amount.

241
00:10:18,525 --> 00:10:24,105
Likewise, we are seeing more and more
that there can be hail or wind specific

242
00:10:24,105 --> 00:10:25,965
deductibles on my personal residence.

243
00:10:25,965 --> 00:10:28,605
For example, on our previous
insurance carrier, we had our

244
00:10:28,725 --> 00:10:30,165
general insurance deduction.

245
00:10:30,630 --> 00:10:33,660
And then a wind deductible, which
is a percentage of the home value.

246
00:10:33,840 --> 00:10:34,170
Why?

247
00:10:34,170 --> 00:10:35,670
Because we were in a high wind area.

248
00:10:35,730 --> 00:10:37,560
So they said, Hey, you're
a higher risk of wind.

249
00:10:37,560 --> 00:10:39,540
So we're going to go ahead
and slap you with this big old

250
00:10:39,540 --> 00:10:42,240
deductible, which I don't even
think would have covered the roof.

251
00:10:42,270 --> 00:10:45,390
Frankly, we would have been paying
out of pocket for it, but again,

252
00:10:45,630 --> 00:10:47,220
different than we switched carriers.

253
00:10:47,220 --> 00:10:49,830
And now we're back in the same
fixed deductible for hail wind.

254
00:10:49,860 --> 00:10:51,960
Everything is under the same one.

255
00:10:52,110 --> 00:10:54,810
So it's important for you to
understand this because often.

256
00:10:55,545 --> 00:10:57,704
If you have a homeowner and you go
through all this work, the last thing

257
00:10:57,704 --> 00:11:00,795
you want to find out is they have
like a 5% of home value deductible,

258
00:11:00,795 --> 00:11:04,574
which means it's essentially going
to be not covered because the roof

259
00:11:04,574 --> 00:11:09,645
value is lower than the 5% or X
percent deductible, meaning they're

260
00:11:09,645 --> 00:11:11,055
going to end up paying cash for it.

261
00:11:11,204 --> 00:11:12,645
And it's treated like a retail deal.

262
00:11:12,795 --> 00:11:17,354
So the deductible amount is important for
you to understand based on the type of.

263
00:11:18,380 --> 00:11:20,390
Next is the time limits for hail.

264
00:11:20,390 --> 00:11:25,250
You generally have six months to
a one year from the date of loss.

265
00:11:25,250 --> 00:11:28,310
Meaning when the, when a storm hit
July 1st, you have till July 1st

266
00:11:28,310 --> 00:11:32,420
and the next year or a six month
window to file the claim and get

267
00:11:32,420 --> 00:11:33,440
it approved and get the work done.

268
00:11:33,440 --> 00:11:36,770
The invoice, the insurance
carrier with hurricanes, you often

269
00:11:36,770 --> 00:11:39,170
have a number of years, okay.

270
00:11:39,380 --> 00:11:41,870
That changes by state
and by insurance company.

271
00:11:41,900 --> 00:11:42,350
But that is a.

272
00:11:43,000 --> 00:11:46,840
Wide window of opportunity,
which is one of the reasons, uh,

273
00:11:46,870 --> 00:11:48,250
that when there are hurricanes.

274
00:11:49,005 --> 00:11:51,615
Becomes worked year after year after year.

275
00:11:51,645 --> 00:11:55,844
And we pick through and find those by
understanding how do I do the damage?

276
00:11:56,145 --> 00:11:59,145
And you might not be in like ground
zero where the main stuff came through,

277
00:11:59,295 --> 00:12:03,165
but the outlying areas, because
if you can link that damage to the

278
00:12:03,165 --> 00:12:08,655
named event, it opens up that window
of opportunity to work that claim.

279
00:12:08,925 --> 00:12:12,885
So these are the, which I'm just going
to right years, by the way, Florida

280
00:12:12,885 --> 00:12:16,295
Senate bill 76, my Florida friends,
uh, I forget off the top of my head.

281
00:12:16,850 --> 00:12:20,510
The time window, but I know it
adjusted Florida Senate bill.

282
00:12:21,020 --> 00:12:24,230
Um, if you Google a Florida Senate bill
76, you're going to see for the Florida

283
00:12:24,230 --> 00:12:25,790
folks that time when it was shortened.

284
00:12:26,180 --> 00:12:28,370
Uh, and I don't want
to quote it wrong here.

285
00:12:28,370 --> 00:12:30,410
So just take a peak cause they
did reduce that time window.

286
00:12:30,560 --> 00:12:32,870
It is still a number of years at any rate.

287
00:12:32,930 --> 00:12:35,480
These are the three things
that you absolutely must know.

288
00:12:35,480 --> 00:12:38,360
And I promised you a tip at
the end of what you need to do.

289
00:12:38,780 --> 00:12:39,020
So.

290
00:12:39,960 --> 00:12:43,320
And I also said it will make more sense
once I go through this, let me explain

291
00:12:43,710 --> 00:12:48,120
the number one process is identical
sales claims process, same flow oopsies.

292
00:12:49,080 --> 00:12:50,250
This pen just got slippery.

293
00:12:50,520 --> 00:12:52,140
Number two is how do I do the damage?

294
00:12:52,230 --> 00:12:54,360
And again, I recommend
national claims Institute.

295
00:12:54,360 --> 00:12:55,710
I don't make any money off this.

296
00:12:55,710 --> 00:12:58,110
I don't take referral fees or MTS ID.

297
00:12:58,140 --> 00:13:01,080
And the name that shingle Facebook
group, uh, both Matt Mulholland and

298
00:13:01,080 --> 00:13:03,240
John seen mentors and the pitch for
movement link in the description.

299
00:13:03,240 --> 00:13:07,380
If you want to join us for interactive
live set training sessions and in

300
00:13:07,380 --> 00:13:08,490
our discussion boards and so on.

301
00:13:08,820 --> 00:13:11,190
And then again, knowing the difference
between deductibles and time limits.

302
00:13:11,190 --> 00:13:12,390
So this brings us to the tip.

303
00:13:12,870 --> 00:13:16,350
This is a very key takeaway,
no matter what you do.

304
00:13:17,265 --> 00:13:23,895
Oftentimes when homeowners call that
claim in wi they're asked what caused

305
00:13:23,895 --> 00:13:27,795
the storm, what caused the damage
and what that insurance company

306
00:13:27,795 --> 00:13:33,705
is trying to do is pigeonhole you
into the path where you can't undo

307
00:13:33,705 --> 00:13:35,565
what you say that saves them money.

308
00:13:36,135 --> 00:13:37,305
I'm going to give you a direct example.

309
00:13:37,905 --> 00:13:38,775
I was on a house.

310
00:13:39,495 --> 00:13:41,355
This was a Fu man.

311
00:13:41,385 --> 00:13:42,105
How many years ago?

312
00:13:42,105 --> 00:13:42,345
Now?

313
00:13:42,375 --> 00:13:43,365
Probably about seven years ago.

314
00:13:44,175 --> 00:13:45,525
It was later into my roofing journey.

315
00:13:46,785 --> 00:13:47,655
I'm on this roof.

316
00:13:48,285 --> 00:13:51,344
We got hail, we got wind lay down deal.

317
00:13:51,375 --> 00:13:54,645
By the way that entire side of the
house was ripped off from a wind event.

318
00:13:55,785 --> 00:13:57,375
I am really excited for this homeowner.

319
00:13:57,375 --> 00:13:59,145
Cause we're about to get
a full wrap of siding.

320
00:13:59,175 --> 00:14:00,525
We're about to get the
whole roof approved.

321
00:14:00,675 --> 00:14:03,314
The adjuster comes down the roof
and he goes, all right, Adam,

322
00:14:03,405 --> 00:14:06,584
well, homeowner called in a hail
claim and we found the wind.

323
00:14:06,595 --> 00:14:10,454
So the hail date is the
date of loss of blank.

324
00:14:10,935 --> 00:14:16,814
But the last wind date that we have
is blank, which means homeowner's

325
00:14:16,814 --> 00:14:22,485
going to have a $2,000 hail deductible
and a $2,000 wind deductible.

326
00:14:23,295 --> 00:14:23,755
We got to.

327
00:14:25,334 --> 00:14:30,015
Do you know how much that just absolutely
put a knife in my heart that I had to

328
00:14:30,015 --> 00:14:34,275
go to the homeowner because I could have
prevented that I could have helped guide

329
00:14:34,275 --> 00:14:40,395
her to falling that claim the right way,
which is by using the word storm damage.

330
00:14:41,685 --> 00:14:42,074
Okay.

331
00:14:42,165 --> 00:14:42,824
Why?

332
00:14:43,185 --> 00:14:45,495
Because storm is a loose term.

333
00:14:45,704 --> 00:14:47,805
No one can say you called in for hail.

334
00:14:48,225 --> 00:14:49,905
I told her to say hail.

335
00:14:50,055 --> 00:14:50,685
Why?

336
00:14:50,805 --> 00:14:52,785
Because in my head there's a.

337
00:14:53,865 --> 00:14:57,375
That adjuster took this
literally and had to put dates.

338
00:14:58,455 --> 00:15:03,225
When the discovery of damage was
storm damage, I would encourage

339
00:15:03,225 --> 00:15:04,665
you to advise your homeowners.

340
00:15:04,665 --> 00:15:08,235
And by the way, anyone who's a public
adjuster who understands this language.

341
00:15:08,235 --> 00:15:10,275
If you have anything to, to add
to this, if you, if you think

342
00:15:10,275 --> 00:15:12,765
this is stupid and this is great,
I just want to hear from you.

343
00:15:12,975 --> 00:15:13,215
All right.

344
00:15:13,275 --> 00:15:14,805
I'm not an expert on this stuff.

345
00:15:14,805 --> 00:15:15,405
I'm not an attorney.

346
00:15:15,405 --> 00:15:16,095
I'm not your attorney.

347
00:15:16,305 --> 00:15:17,235
I'm not a public adjuster.

348
00:15:17,505 --> 00:15:20,865
But what I can say is that when
we paint ourselves in a corner,

349
00:15:20,865 --> 00:15:22,125
we can't, unpaint the corner.

350
00:15:22,395 --> 00:15:25,065
So when we say storm damage,
it's all encompassing umbrella

351
00:15:25,095 --> 00:15:25,845
and it puts our whole.

352
00:15:26,329 --> 00:15:28,910
Favorable position where the
insurance company doesn't try

353
00:15:28,910 --> 00:15:32,660
to do something sleazy like this
because that's stiffed my homeowner.

354
00:15:33,109 --> 00:15:37,430
I'm having two claims now and two
deductibles, which is not a win.

355
00:15:37,760 --> 00:15:38,479
So there you have it.

356
00:15:38,750 --> 00:15:39,890
You got the three tips.

357
00:15:39,949 --> 00:15:40,280
Excuse me.

358
00:15:40,280 --> 00:15:41,569
The three differences.

359
00:15:41,589 --> 00:15:42,280
What you must.

360
00:15:42,940 --> 00:15:44,410
What's different and what's the same.

361
00:15:44,650 --> 00:15:48,040
And the most important key takeaway is
how to file those claims moving forward.

362
00:15:48,190 --> 00:15:52,120
So you don't end up in a situation
that jeopardizes your homeowner.

363
00:15:52,390 --> 00:15:57,580
And the last thing is to remember that
the sales system, whatever it is, whether

364
00:15:57,580 --> 00:16:00,550
it's my material or yours stays the same.

365
00:16:00,940 --> 00:16:01,600
Hey, thanks for doing.

366
00:16:02,089 --> 00:16:02,990
In today's video.

367
00:16:03,199 --> 00:16:06,439
If you have any questions, drop
them in the comments below.

368
00:16:06,620 --> 00:16:07,730
I do take a peek.

369
00:16:07,760 --> 00:16:12,050
I keep a very close eye on those, and I
respond to all productive and insightful

370
00:16:12,050 --> 00:16:13,730
conversations because I value your time.

371
00:16:14,060 --> 00:16:18,620
And I want to make sure that the
attention you give here helps you

372
00:16:18,680 --> 00:16:22,100
smash your income goal and give
every customer an amazing experience.

373
00:16:22,100 --> 00:16:25,490
So if you haven't yet done it, click
right here to get a free copy of my pitch.

374
00:16:25,490 --> 00:16:27,949
Like a pro roofing sales training
video library sent right to your

375
00:16:27,949 --> 00:16:30,670
inbox, or continue your journey
with me and click here to watch.

376
00:16:31,484 --> 00:16:32,234
I'll see you in the next one.