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Hey Chad info explained very well. Some ICs are not paying for the drip edge on the eaves since it is not damaged, just paying for the racks. Have you had any luck overcoming this issue.

Do you offer Estimate Writing Services For Insurance Paid Roof Replacement Projects?

For tickets to public training events like this one go here: buytickets.at/insurancerestorationtraining

Hey @chadmichael8265 great content. Quick question, if I as the homeowner am asked by the adjuster to provide the .esx file for the Supplemental Estimate (they paid their first claim aka "undisputed payment", then I actually got bids from subs for the work, then gave those bids to someone who has Xactimate to make me a Supplemental Estimate, and I gave that to the claim adjuster) what would they want the file for? I know it's so they don't have to start from scratch, but I've got a house fire and I'm looking to reach my coverage limits (their undisputed payment was $230,000 and my limit is $300,000) which we're not far from. So are they likely just looking to put their letterhead on it, or are they looking to really chop a bunch off this Supplemental Estimate? (If I hit my limits for Dwelling, O&L, Debris Removal, etc then I'm up around $380,000 which I'll need every penny of to rebuild the new house). My Supplemental Estimate came in at $480,000. I know that's a lot but I'm really trying to figure out what they're doing by asking for this.

I've heard an insurance claim that claimed to not pay for any storm damages since they were excluded in the policy. Once this was communicated from the Contractor the insurance quickly approved the additional storm damages.

Is there an inspection and documentation training?

where are the photos so that we can follow alone with what you are teaching?

Chad this was great. I’m a homeowner in Colorado who had a house fire and the insurance company’s initial estimate wanted me to just replace everything but with the code requirements and everything I’m going to have to end up replacing the foundation and starting everything from scratch. So I got bids, built a xactimate estimate and now submitted that to max out my coverage limits and get this done properly. This episode and a few others from you have taught me a ton! I’d love to be a case study of you ever wanted one from a homeowner who did this on their own

Chad, or anyone who is a claims expert, what’s the situation when the building codes require you to demo the house and replace the foundation. Does that foundation fall under the Law and Ordinance but then the rebuild falls under Dwelling coverage? Homeowner with house fire that consumed 80% of 2nd story and 45% of main floor. I can add more context if needed.

Hey Chad, great videos man! I have a question. How do you handle a situation where a client wants to make upgrades or changes to the scope? For example, adjuster approved the replacement of all the continuous flooring throughout the main floor and the client decided to put a transition strip and just do one room. She then wants to use the money that would’ve gone to replacing all of the floors to doing something else like adding cabinets and extending her countertop space. Is this type of activity allowed? Every insurance claim job I’ve had the client requests improvements and changes to the scope. I’m in the Portland OR metro area and most of our insurance claims we get are due to pipes freezing and busting causing interior damage to kitchens and bathroom.

“Wind driven rain “ “ we don’t cover that sorry”

Adjuster here: You are the contractor I always want to work with. Sure, you're trying to maximize as much profit and benefit to your company as possible, but who wouldn't. I always try to give contractors as much as I can. But he's right on the small stuff - waste factor, ridge and starter, etc.. - there has to be a give and take. Usually, if I have to deny the smaller stuff because of the carrier I work for, I go back to the original inspection conducted by the carrier and find items that were missed to hopefully make up for the item(s) I had to deny due to carrier guidelines.

Insurance adjuster here: I saw another video or two of yours. I respect your approach and the quality of your content. You definitely have integrity. I appreciate your work!

New Chad videos, yessss

where can i find the code for decking needing to be upgrade to code from 1/2 to 5/8?

I can’t wait to see you guys out there!!! 🙏👊😉

To get tickets to events like this one go to: buytickets.at/insurancerestorationtraining

As a relatively recent staff adjuster for a major carrier I always try to meet the contractor when possible . The idea is to write it correctly , fast and get it paid. I tell the insured they are the contractor and they get to pick who to use. It’s their money their home their responsibility . Supplements and depreciation explained. Where I work I handle the claim incl supplements . So it’s a bit of better experience for the customer herder for me. Point being if we have coverage try to get it all in the first pass. If the loss exceeds 25-30 k it needs more intensive handling and a large loss adjuster whose claim volume is lower .

I’m an adjuster for a large carrier who has watched your videos the last year. I have zero problem calling the code office in the local area and just saying I’m working on an estimate, the contractor says XYZ is required, can you confirm? If they confirm, I approve (if they have code coverage). I don’t know why so many adjusters seem to be so unreasonable and combative. That’s weird to me. I don’t want to fight with y’all either 😅.

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Get your tickets today. Google Insurance Restoration Masterclass 🔥👊😉

Your speaking truth as always. I’m A previous 20 yr contractor then inspector and been a public insurance adjuster for the last 4 years to use my knowledge of building codes, actual building process and insurance softwares like xactimate and symbility to help home owners and contractors get what they need to get the job done right.

For tickets to my live events like this one, go to buytickets.at/insurancerestorationtraining 👊😉

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Is the form for emergency service authorization not in Xactimate, i have not been able to find it anywhere

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This Guy is Amazing.

Always badass info! Thank you, Chad! Regarding water soaked layers and decking, does it apply to layers and decking that HAD BEEN soaked at one point, and now dried, based on interior water damage?

Amazing video! Have you ever heard of Travelers Major Case Unit?

OK so you do this with house claims right repairs??how about if someone hitting you in ,our car

Great video! If an underlayment IS NOT water-saoked: Isn't a coating not considered a "covering" so a city inspector will allow a 1, 2 or 3 additional coatings?

Worthless company

Best advice for state farm don't waste your time working with State Farm

The supplement game will cost you .50 on the $1.00

Speaking on the size of the estimate, most of the time they won’t even accept files over a certain size on their system. From my experience it’s usually around 75 pages lol

Love the content 👌 keep it up

Wowza! Good knowledge!

Is there a database or list of New York IES certified contractors?

How to I’m find a crew as a beginner

Que buen video??

You are awesome

I successfully recovered over $70k for a flat roof replacement caused by ice dams and excessive snow load putting stress on the structure causing the flashing to fail and allow the homes warmer temperatures to melt the ice and snow and infiltrate the structure. Took almost the entire 2 year claim terms, but I did recover the entire amount I was fighting for. It was my personal home! I now use these experiences as a contractor to continue the battle for my clients.

The problem starts with the title. Contractors don’t settle claims. Another self proclaimed restoration guru.

Chad, coming from a Carpenter of 26+ years and the last 3 years I've struggled with consistentency as a licensed contractor. About to throw in the towel I stumbled onto one of your videos. all I can say is thank you sir. Your style the you, the mechanics of how you articulate your words with simple reason and response. You are an amazing person Chad. Thank you. Thank you thank you. I am here to do the work prescribed to me by you mr adjuster. I'm so looking forward to owning a Drone, and the most gigantic camera I can find. If your ever on the Oregon coast let me know lit would be an honor to shake your hand. #wokemeup

Are you available to recieve and work on claims remotely? In atlanta market

holy smokes that guy can work a room