The Practitioner

The insurance claims process can be slow, but the contractor actually has more control over the the speed and timing than you might realize. Time is money, especially if you are a roofing contractor/insurance restoration general contractor. This episode covers 5 tips to improve the speed of the insurance claims process.  Please let me know what your thoughts are. Keep winning, my friends... Much love and God bless!

10/21/21 • 84:44

Why don't insurance adjusters approve most contractor estimates? Here I discuss what I believe to be the five top reasons for insurance companies not agreeing with roofing contractors and insurance restoration contractors when they submit their Xactimate estimate for approval. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael - The Practitioner

10/15/21 • 65:43

If you're a roofing contractor, winning the game with insurance adjusters in the roofing business and insurance restoration general contracting involves playing THEIR game better than they do... using their rules against them... even though you're a roofer, it doesn't mean you can't beat them at their own game. Less friction, less resistance, more approvals... these are the benefits of going with the flow... speaking the insurance adjuster's language. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

1/16/21 • 47:57

If the insurance claim pays out to the property owner and the mortgage company as the payees, how can you get the insurance check released from the mortgage company? Roofing contractors and insurance restoration contractors usually struggle with delays caused by this problem when working through the roofing claim process. This episode will help you get to the money in the quickest timeframe possible. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael - The Practitioner

1/14/21 • 42:50

Insurance claim supplement advice SPECIFICALLY for State Farm Insurance. Roof damage, water damage, fire damage, hurricane damage, wind damage, hail damage claims with State Farm is a majority of what you will see because State Farm has the majority of the market share for residential property damage claims. State Farm needs to be handled entirely differently than other insurance carriers. This episode should provide valuable advice specifically for State Farm claims. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael | The Practitioner

1/13/21 • 26:43

If you do this on roofing claims - or water damage claims, hurricane claims, hail damage claims, wind damage claims, fire damage, etc. - you will lose and fail. It is so imperative that you first research the basic fundamentals of the insurance policy, starting with the declarations page (or "dec page"). You need to understand the maximum available coverage amounts for each section. You need to know whether the policy will pay "replacement cost value" (RCV) or "actual cash value" (ACV). You need to know if the policy has coverage for ordinance and laws (OL) and what the extent of the OL coverage is. You also need to know all information about the applicable deductibles. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

1/12/21 • 36:21

A roofing contractor - who is enrolled in my IES Certified training course - called me for advice because an insurance adjuster on one of his roofing and general contracting jobs is trying to burn him after he sent him his Xactimate estimate. I think he has the solution to overcome the situation. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

1/11/21 • 66:01

Don't fall for this insurance claims roofing TRAP that insurance adjusters set. As a matter of fact, in this episode I talk about SEVERAL traps that insurance companies tend to set that roofing contractors need to beware of. This covers Xactimate estimates, insurance engineers, roofing approvals/denials, water damage claims, insurance adjuster interaction and much more. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

1/9/21 • 40:21

Setting up a supplement system for roofing insurance claims and insurance restoration general contracting claims needs to be one of your top priorities right now. My advice is to set up a supplementing system made up of three separate departments: the inspection department, the Xactimate estimate writing department and the insurance claim supplementing department. You need an inspector, an Xactimate estimate writer and an insurance claim supplementer. Listen to the episode to find out more about what I am referring to. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael | The Practitioner

1/4/21 • 33:43

Getting the insurance adjuster to approve your Xactimate estimate can be a complicated and difficult process. However, following a methodical strategy from start to finish can give you the advantage over the insurance adjuster when trying to reconcile your roofing or restoration Xactimate estimate. Let's discuss how to get the highest possible amounts approved on your insurance claims. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

12/24/20 • 33:47

In this example, the insurance company sent another insurance adjuster to inspect the hurricane damaged property a second time and review my Xactimate estimate. Check out the strategy I used to get the adjuster to approve more than triple the original estimate amount. Roofing contractors and general contractors pay attention! Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

12/24/20 • 26:57

In this training session we discuss the insurance adjuster, the property owner, the roofer and the insurance restoration contractor. The roofing claim process starts with the property owner. The roofing contractor needs to first educate the customer on how the roofing process works, the Xactimate estimate process, the insurance supplementing process and more. When meeting the insurance adjuster at the damaged property, the strategy is equally as important. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

12/22/20 • 54:51

Meeting with the insurance adjuster for a roofing job or other type of insurance restoration project is a required and very important aspect of being an insurance restoration contractor. How you play that game is what is most crucial. Should you give them your Xactimate estimate first or should you make them show you their cards first? And where do you go from there? Let's get into this video for higher and more insurance claim approvals. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

12/20/20 • 49:51

When interacting with insurance adjusters, there is no need for arguments. Let the game come to you. When handling insurance restoration jobs and roofing jobs, let the insurance adjuster make the first move. Then you react. You are hired to perform all repairs that are prescribed by the insurance claim. Go from there. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

12/17/20 • 32:32

It's true that insurance adjusters and insurance companies are approving and paying for Pandemic "Compliance" Xactimate Line Items. Let's discuss setting up testing and PPE protocols on your insurance restoration and roofing job sites. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

12/15/20 • 33:25

In this private company training video we cover a wide range of insurance restoration claim topics and approval strategies for overcoming insurance adjusters in an extensive questions and answers session. We talk roofing and other insurance restoration projects with these roofing contractors / general contractors, Xactimate and Xactimate training, building codes for insurance jobs, roof claims, insurance claim supplements, insurance adjusters, hail damage inspections and much more. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

12/10/20 • 29:03

Defeating insurance adjusters and gaining more insurance claim approvals for your roofing and insurance restoration jobs is complicated, difficult and requires diligence, dedication and hard work. For roofing contractors and insurance restoration general contractors it can be easy to get upset with insurance adjusters because they naturally resist most line items in your Xactimate estimate. However, focusing on your game plan and your winning process can get you much farther in your roofing business and/or insurance restoration contracting business. Please let me know what your thoughts are below. Also... do you need my help? Do you need private consulting, coaching or training? All of the above maybe? HIRE ME! Go to InsuranceRestorationTraining.com to contact me. I'm looking forward to working with you! Keep winning, my friends... Much love and God bless! Chad Michael The Practitioner

12/4/20 • 70:23

Selling the job is obviously one of the most crucial factors to a roofing contractor or insurance restoration general contractor's success. Let's cover and break down how to combine your inspection and investigation with your sales pitch and sales process. This will help to ensure that the inspection literally helps the sale happen on its own. Please let me know what your thoughts are below. Also... do you need my help? Do you need private consulting, coaching or training? All of the above maybe? HIRE ME! Go to InsuranceRestorationTraining.com to contact me. I'm looking forward to working with you! Keep winning, my friends... Much love and God bless!

12/3/20 • 68:32

I took a client call yesterday and thought I'd share the content, as we covered so many valuable subjects through the course of an hour, such as how to get overhead and profit approved, overcoming insurance engineer denials on commercial roofing systems, the insurance claim supplement process. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless!

9/18/20 • 64:37

Advice on how to obtain and sign commercial roofing insurance jobs and other commercial insurance restoration jobs. Tips on getting roofs approved for replacement that were previously only approved by the insurance adjuster for repair only. Strategies on using building codes effectively and advice for damage inspections. Recorded in Philadelphia, PA on the "100 Towns Tour - Insurance Restoration Masterclass by Chad Michael" in 2019.

9/11/20 • 27:26

Winning arguments and rebuttals for debating with insurance adjusters. In this episode I cover lots of strategies and tactics for roofing contractors and insurance restoration contractors, such as: how to get waste factors, starter, ridge caps and flashing Xactimate line items approved in your insurance claims; getting overhead and profit approved on roofing claims with insurance adjusters; invoicing for Xactimate line items; bid items; subcontractor invoices; redacted prices; getting building codes approved when the insurance adjuster tells you to send them the building code on the "City Letterhead" and much more. This was recorded live on the "100 Towns Tour - Insurance Restoration Masterclass by Chad Michael" in Hartford, Connecticut on October 18, 2019. Please let me know what your thoughts are below. Keep winning, my friends... Much love and God bless!

9/10/20 • 33:54

In this episode I cover Xactimate tips, handling insurance adjusters, building codes, when to send your Xactimate damage estimate to the insurance company, who to send it to, the order of your insurance restoration process and much more. This was recorded as a part of the 100 Towns Tour earlier this year on February 12, 2020 in Minneapolis, Minnesota during an Insurance Restoration Masterclass by Chad Michael.

9/5/20 • 30:36

The three phases of the Insurance Restoration Industry broken down into mitigation, contents and reconstruction. This is important for all insurance restoration contractors - including roofing contractors - to know and understand. This was recorded at the end of last year - November 21, 2020 in San Antonio, Texas during the 100 Towns Tour - Insurance Restoration Masterclass by Chad Michael.

9/3/20 • 48:09

I was recently hired by a homeowner in the Los Angeles, California area to help him with the construction repair estimating process for a fire damage claim with State Farm Insurance. He is acting as his own general contractor, which adds a unique dimension to our consulting relationship. In this capacity, I am nothing more than a consultant... there to help him plan strategy and give him my best advice. So far, so good. State Farm started out at around $144,000 and are now over $300,000 and climbing. IESCertified.com

8/23/20 • 51:13

The Supplement Process for Insurance Restoration Contractors and Roofing Contractors. Invoicing and invoice management process for a large insurance restoration contracting and roofing contracting company.

3/27/20 • 56:45

What can Insurance Restoration Contractors and Roofing Contractors do during this crisis. 5 things a contractor can do to survive and thrive. This thing is real. And we could be at just the very beginning still. Instead of 15 days, it could be many months before this over. It is crucial that we take it seriously and make a plan for how we can react and ultimately recover. Stay safe out there. We'll get through it. Keep going.

3/23/20 • 49:07

Xactimate pricing for insurance repair jobs. Does Xactimate software pay enough money on insurance claims? My short answer is YES, but please allow me to explain. Many roofing contractors and restoration contractors get frustrated with Xactimate estimates because of the overall end price on an estimate. But the main reason why the estimate total is short usually is because the insurance adjuster or the contractor is missing ITEMS on the Xactimate estimate.

3/23/20 • 21:04

The Code Game... Using building codes to gain higher insurance approvals on roofing and other insurance repair jobs. Learn how to understand certain parts of the International Code Council (ICC) building codes: the International Building Code (IBC), the International Residential Code (IRC) and the International Energy Conservation Code (IECC) to comply with the local laws and to educate insurance adjusters who don't know any better.

3/19/20 • 25:21

Armando Jacox of the "Roofing It" Podcast has Chad Michael as his guest in Denver, Colorado to share his personal story. Chad also explains what it is that he does in his Insurance Restoration career. This session was recorded on August 21, 2019. High level Insurance Restoration Training and learning. Strategy. Consistency. Diligence. Dedication. And most importantly of all, putting in the HARD WORK... that's REQUIRED... to WIN IN THIS GAME! For LIVE TRAINING EVENTS "Insurance Restoration Masterclass - by Chad Michael" on the #100TownsTour go to: https://www.InsuranceRestorationTraining.com

1/17/20 • 84:41

Understanding the ins and outs of recoverable depreciation versus non-recoverable depreciation -as well as how property insurance deductibles are applied- is absolutely critical to the success of an insurance restoration contractor and/or a roofing contractor. Actual Cash Value (ACV) versus Replacement Cost Value. How does this come into play? This podcast will cover multiple strategies and tactics to help you conquer these scenarios. Also, we get into the reasons WHY insurance adjusters are often so terrible in their Xactimate estimates. High level Insurance Restoration Training and learning. This is a segment from the #100TownsTour - Insurance Restoration Masterclass by Chad Michael, recorded live in Ft Lauderdale, Florida, on December 10th, 2019. Strategy. Consistency. Diligence. Dedication. And most importantly of all, putting in the HARD WORK... that's REQUIRED... to WIN IN THIS GAME! For LIVE TRAINING EVENTS "Insurance Restoration Masterclass - by Chad Michael" on the #100TownsTour go to: https://www.InsuranceRestorationTraining.com 

1/10/20 • 24:53