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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.
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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.
April #8 - Roof Deductible Help 3 Methods WITHOUT Giving Money
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[00:00:00] 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.
[00:00:17] 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.
[00:00:37] 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.
[00:01:00] 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.
[00:01:19] 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.
[00:01:40] 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.
[00:02:05] 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.
[00:02:25] 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.
[00:02:43] 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.
[00:03:01] 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.
[00:03:20] 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.
[00:03:39] 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.
[00:03:59] 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.
[00:04:18] 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.
[00:04:37] 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.
[00:04:54] 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.
[00:05:11] 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.
[00:05:36] 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.
[00:06:01] 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.
[00:06:29] 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.
[00:06:49] 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.
[00:07:10] 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.
[00:07:31] 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.
[00:07:48] 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.
[00:08:11] 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.
[00:08:34] 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.