April 17, 2025 • 54 mins
Adjuster Stories with Guy Grand
Nora Housey talks about what it’s really like to run claims in one of the toughest markets for adjusters: North Dakota. From climbing steep, snow-loaded roofs with a 28-foot ladder to adapting her workflow in remote areas with no cell service, Nora shares how she stuck with it when nearly all of her classmates dropped out. With a calm, sharp perspective and a no-nonsense approach, she proves that grit and professionalism still win in this industry.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
This is Adjuster Stories brought to you by
Adjuster TV and VeteranAdjusting School, and now your
host, guy Grant.
Hi everybody, guy Grant herewith Adjuster Stories with Guy
Grant, welcome.
Today I'm sitting here with oneof our graduates, nora Housley
Is that how you say your name?
(00:20):
Yep, housley, housley, yeah, Ialways look at I'm like houseley
, what it so?
Um, when'd you graduate, norah?
Speaker 2 (00:29):
like april 22, 23 yep , april 2022 and, um, I think
this my start date was actuallyalmost a year to to the day,
like right now, three years tothe day, because I want to say
it was around like the 13th or15th of March of 2022.
Speaker 1 (00:46):
Nice and you were.
You did 20 years in what AirForce or Army.
Speaker 2 (00:51):
Yes.
Speaker 1 (00:52):
Air Force, air Force.
And so when you came to us,were you still on terminal leave
, or yes, you were.
Speaker 2 (01:00):
Yep, yep, I had just started my terminal leave.
Speaker 1 (01:03):
So you were a baby, went into the Air Force, did
your 20, and came to us beforeyou even got out.
Yes, what made you think youwanted to be an adjuster when
you got out of the military?
Speaker 2 (01:20):
Well, actually it wasn't my plan.
Right away, when I was goingthrough and getting ready to
separate my six-month mark, Istill didn't really know what to
do.
So, honestly, I just Googledgood jobs for retired military
and of course I came up withsecurity police officer and all
that stuff and catastrophicclaims adjuster popped up and I
had no idea what that was was.
(01:46):
So I started researching it andI was like, oh, it's the people
you know that search thehurricanes and then realize it's
also the ones when mydishwasher leaks, the ones that
come and take pictures.
And I was like, well, thatsounds nice, I could do that.
And, um, I went on Facebook andyou know, to those new adjuster
groups and asked around andheard about Voss and reached out
to you guys and went from therewow, wow, you know it's so.
Speaker 1 (02:05):
It's so funny.
Um, none of us ever get intothis business, because we
thought about it when we were inhigh school.
Right, there is no collegeeducation for being an adjuster.
It literally is just somethingthat that either somebody tells
you or, in your case, which iseven more trippy, that you're
(02:28):
just like yeah well, what's that?
Let me look into that.
Speaker 2 (02:32):
Yeah, and almost everyone I run into.
It's almost everyone's secondcareer.
Speaker 1 (02:37):
Right, right.
Certainly it was like my fifthcareer by the time I got into it
.
But yeah, my fifth career bythe time I got into it.
But yeah, awesome, awesome.
So when you came to the school,you basically knew nothing
about the industry.
Speaker 2 (02:54):
Correct Besides the classes and I got my license and
stuff.
So besides that I knew nothingelse besides just going through
the licensing course.
So that's mainly what taught meanything about it right, right.
Speaker 1 (03:06):
And you know, what's so funny is that all these guys
go and they take that licensingcourse and they spend their 350
dollars and then they, they gettheir license and they're like,
yeah, I'm an adjuster, but thatis so far from the truth.
Yeah, I mean technically yeah,technically you have a license
to do it, but you haveabsolutely zero knowledge of it
(03:30):
and and that's it's.
It's sad that that's kind ofwhat they're told.
Get this license, take anx-actimate course, right, go to
this.
Yeah, go to this four-day classin texas and you're gonna be an
adjuster.
And then they get to the club.
Well, I know, because I did itright 20 something years ago.
(03:52):
But you go to the class and allthey talk about is how great it
is and how much money they makeand but you have no knowledge
about what it is right, yeah,yeah, yeah, yeah.
Speaker 2 (04:04):
So I know one of the things that I warn people about
now is you know cause?
People will ask like, oh, howto get into it?
And even contractors they'll belike, oh, you know, should I be
an adjuster or roofing sales?
I have that conversation withthem a lot, Cause they get paid
a high percentage on their salesbut if it's, you know, a slow
(04:28):
season, they don't have like howdaily claims.
You know we can also do thewater claims, the dishwashers,
the fridge, and they don't havethat option.
So I have the conversation withthem a lot on that, but they're
surprised how much paperwork itinvolves on the adjuster side,
yeah.
Speaker 1 (04:36):
But you know, on the flip side, on the roofer side,
you're married to that homeownerforever.
Yeah, all the way through theend.
Yeah to that homeowner forever.
Speaker 2 (04:44):
Yeah, All the way through the end.
Yeah, so the payout's bigger,so I get the incentive on their
side.
But it's like I'd rather, onceI'm done, like okay, I did my
part and move on to the next.
You know, maybe you have tocome back for revisions, but I
was like I don't want to have tovisit that person six times.
Speaker 1 (04:59):
Right, right, well, and you know, I know, because I
have lots of roofer friends andwe were we were roofers for a
short time in 2010, for like twomonths.
But you literally, when it'sall said and done, you've got to
go back to that insurer and say, ok, now you just got your
recoverable depreciation forfour thousand dollars.
(05:20):
And that comes to us andinevitably they're like well, no
, I'm not paying you that.
And that comes to us andinevitably they're like well, no
, I'm not paying you that.
And it's yeah, yeah, it's muchbetter to go in, say hello, do a
good job and leave and run downthe road.
Yeah, for sure, for sure.
Speaker 2 (05:36):
Yep, I enjoy that part of it.
Speaker 1 (05:39):
I use.
Speaker 2 (05:40):
I use the famous Voss saying I'm eyes, ears measuring
stick many, many times.
Speaker 1 (05:44):
You have.
Yeah, so tell me a little bit,or tell the listeners a little
bit, about your experience atVoss.
So you came with zero knowledge.
Did you leave thinking youunderstood what was happening?
Speaker 2 (05:59):
Yeah, I think.
So I really enjoyed it.
I felt pretty comfortable withit.
I luckily, since most of mymilitary career was spent in
administration the Xactimateside of things and the paperwork
side of things weren't too bad.
It was just learning the system.
But I'm so used to computersthat learning that part of
(06:20):
things was just oh, it's justanother program to use, so that
was kind of second nature to me.
For me it was more just the,the learning how to find the
damage and actually getting upon the roof and using a ladder.
That was all new to me.
So I really like the hands-onpiece of the class especially.
And then the the storm week,like going out and actually
(06:40):
doing it and putting everythingtogether.
Yeah, so I thought that was thethe best, yeah well, and that's
you know.
Speaker 1 (06:48):
What we did for a long time is we'd have folks
like you that came in that knewadmin but didn't know
construction.
The flip side of that is I hada contractor that knew
everything about constructionbut couldn't turn on a freaking
computer.
So you know, for us it was.
It was always interesting.
We'd talk about it at nightafter.
(07:09):
We'll talk about you guys andeverything, but you know that
just how to navigate that classfor wasn't that my class?
Speaker 2 (07:18):
what wasn't that my class, where we had the
contractor who barely could usea computer?
Speaker 1 (07:24):
uh, yeah, I know we had a contractor.
Speaker 2 (07:26):
He was awesome.
Like once he got outside ladderwork he showed us how to find
damages on things, but then,when it came to the computer
work, we would have to show himhow to just navigate.
Speaker 1 (07:35):
Yeah, exactly, exactly.
But you know, the cool thingfor the school as long as we did
, it was when you all left.
You were all had a at a baserate.
You know, and like I, youprobably remember this.
But we built the foundation, webuilt the framing, we dried the
roof.
Everything was ready and it wasup to you, once you left, to
(07:57):
actually do the rest of theconstruction right, yeah, down
to the painting.
So, speaking of that, so you gotout three years ago, this month
, and how long did it take youto get a claim?
Speaker 2 (08:13):
um, well, it was about two weeks after I got home
, since I kind of took a roadtrip and detoured on a vacation
after class.
So, um, I'm gonna count it twoweeks after I officially got
back and started reaching out tofirms and the funny thing was
it wasn't even a firm on yourlist initially.
(08:36):
I used one of those wasadjuster portal or adjuster on
one of those online ones, andput my information in and they
needed someone in North Dakota,just this middle of nowhere
claim.
And they were like hey, wefound your information on here
and you know, I know we don'tlike to use.
They found out I was brand newand you could just hear the
worry in their voice.
(08:58):
They had never heard of us sothey didn't know anything.
So they were like, well, justgo out and take pictures and
then we'll help you witheverything else.
And I was so happy because I'veheard horror stories of first
claims like a full fire andwater.
And I went out there and it wasa one story modular home with
wind damage and like you justpull up and half the roof was
(09:19):
missing and it was like theeasiest claim in the world.
Speaker 1 (09:22):
I was like oh, that's wonderful.
Speaker 2 (09:24):
Yeah, you couldn't have an easier first claim.
And so, you know, I turned itin and I used all the VOS, you
know, not the templates, but theyou know putting the headers
and everything.
And I turned that in and theycalled me like immediately the
next day and they were like Ithought you were brand new, like
where'd you learn all this?
And I told them about boss andthey were saying, oh, besides,
(09:49):
some you know, just correctionsin their report format because
they had specific glr.
They were like, oh yeah, thisis great.
So they've been one of myprimaries companies since yep,
and they became a partnershortly thereafter okay so
they've taken others of our umgraduates since then yeah, yeah,
so, yeah.
So I was really thankful thatthat was my first claim, but I
(10:11):
stayed pretty steady after that.
I mean, I stay pretty steadygenerally all year.
I'm really, really busy in thesummers, obviously, and then it
slows down depending on thewinter.
Speaker 1 (10:21):
Right, just for those who are listening or watching
us right now, nora lives inNorth Dakota.
She's like the only adjuster inNorth Dakota.
Nobody goes.
Speaker 2 (10:33):
Not very many of us, for sure.
Speaker 1 (10:35):
Right, right, and so being up in North Dakota is so
your claim's got to be prettyfar apart.
Speaker 2 (10:44):
Definitely.
In fact I just got one thismorning that is almost 500 mile
round trip.
So the funny thing is it'sactually in South Dakota, so I'm
going crossing the border butthere's just lack of adjusters
so I'm so used to driving far atthis point.
So you know all the firms thatI work with.
(11:05):
We all have, you know, they alldo mileage.
But anytime a new firm reachesout, that's one of the first
things I check.
I'm like well, do you covermileage?
Because I know the claim isgoing to be at least two hours
for me almost always and I'm notgoing to run it for free, right
, right, I will always say yes,I'll do claims.
I just at least want mileage.
Some do T&E for driving, whichis even better.
Speaker 1 (11:26):
Wow, that is good At one.
Speaker 2 (11:30):
It was a 12-hour round-trip drive, but they
approved T&E specifically forthat one because they had been
having issues Because you haveto cross through Canada to get
to it, so it was, or take a boatand it was so limited in, like
their access and they just hadproblems and the contractor they
were using couldn't cross theborder because he can't have a
(11:51):
DUI, and it just was this huge,huge mess and they had the
insured take pictures and sendthem in, but you know, unless
you tell them, oh, you need toclose up a wide shot.
So she just sent close-up of thedamages, but they denied it
because it wasn't good enoughphotos.
And then, you know, she reachedout and was complaining, and so
(12:11):
finally, the higher-ups gotinvolved and were like, no, we
need to send an adjuster out.
And so I got approved for a12-hour and a hotel to stay
overnight.
Speaker 1 (12:22):
Wow, that's pretty cool, because they just needed
someone to get out there, so yougot paid more in those 12 hours
than you did on writing theclaim probably.
Speaker 2 (12:33):
Yeah, it was such a small loss too.
It was, uh, it was a metalroofing, but it was um, you know
, when ice slides off metal roof, it slides off like an
avalanche.
Speaker 1 (12:40):
Right.
Speaker 2 (12:41):
Um, so it had ripped the pipe jack right off the roof
and so then all the water waspouring in um to through the
ceiling, so it had ruined theceiling and the, the hardwood
floor, the laminate flooring,but it was such a small area.
It was, you know, probably fivethousand dollar claim, maybe,
yeah so, but it was just kind offunny, like, but the the
(13:02):
biggest expense was actually theexpense of the contractors
having to, like haul all thematerials up there.
So there was an additionalcontractor expense, which is, I
think, what the contention pointwas.
Speaker 1 (13:14):
Right, right, I remember.
I forget what hurricane it was,but something like off of North
Carolina or something.
There was a barrier island andeverybody had to take a ferry
over to the barrier island.
It was all multimillion dollarhouses and when they were on the
island they could only drive ingolf carts.
(13:34):
And so you know, you go toXactimate and you write up an
estimate.
It could be a beautifulestimate, but it was three times
as high because they had tobring all of the materials over
by ferry.
They had all the all thesheetrock and everything had to
go on on golf carts.
So it was just crazy which Ialways think about.
Speaker 2 (13:58):
Oh, sorry I was like I think about, in michigan, if
that were to happen, there's amackinac island I don't know if
you've ever heard of it, butthere's no motor vehicles
allowed, so everything's done byhorse and carriage, right?
So, or you know, so I was likeI just think about, like when I
visit that place I was like gosh, if there was ever a claim here
, I can't imagine like thelogistics that would come with
(14:20):
it To like haul all thematerials over there.
Speaker 1 (14:27):
The bottom line for us, though we're going and we're
identifying the damage.
We're writing an estimate basedon what we saw.
If we take good photos todocument the loss, so the
company and everybody else knowsexactly what it should be, then
when the contractor comes backin four times as high as our
estimate, there's something totalk about.
(14:47):
We've identified everything.
They know what's damaged.
Now they can actually do thenegotiation with the rest of
that.
So it makes it much easier,yeah.
Speaker 2 (14:57):
I tend to take a lot of photos.
I don't necessarily put themall on my photo report, but I
guess I overtake photos at theclaim and multiple angles of the
damages.
So that way, if you know, if itdoes come back and they're like
, hey, do you happen to have aphoto of maybe this light, or
you know, if they thought itlooked weird or something, so at
least I already have it, youknow.
(15:18):
So I don't try to turn in likeoverturn in you know, my photo
report, unless it's.
You know, I've had some wordsto bend three, four hundred
photos just because of theamount of rooms in the building,
right, but you know, I do tendto take a lot of photos.
You know one of each angle ofthe room, but then I'll only
turn in well, here's theoverview, but they're like oh,
do you have one, you know, fromthis wall showing the window
better, okay, so I have it, so Idon't have to go back, but I
(15:41):
don't necessarily turn them inup front.
Speaker 1 (15:43):
So one of my recommendations If you have to
go 12 hours round trip to aclaim, yeah, just take as many
photos as possible.
Speaker 2 (15:50):
You better take your 400 photos, yeah, so I was like
that'd be one of myrecommendations to any adjuster
Just be like, just take as manyphotos as you need.
Like, don't be skimpy, like, ifyou think it might be blurry,
take it again.
We all have digital cameras,and you know, or your phones,
whatever you use, and right, soyou don't have to upload all of
(16:10):
them, but at least take tons.
Speaker 1 (16:11):
Yeah, yeah, exactly, especially if you have to drive
like you do.
So you don't have to tell usthis or anything, but has it
been financially rewarding beingwhere you are?
Speaker 2 (16:27):
Yeah, I do pretty good.
I know like it's not probablyas good money as the cat
adjusters.
You know because I hear thestories from them, I talk to a
lot of them.
But I like just kind of thesteady pace.
You know because the otherthing is you know I worked, you
know my 12 hour, seven day aweek shifts and 16 hour days and
(16:47):
all that for years in themilitary and no sleep and stress
and I feel like that's what acat claim is and I'm just like I
don't want to like.
Speaker 1 (16:56):
I know the money's there.
Speaker 2 (16:57):
but I'm just like, nah, I'm good, you guys don't go
to the hurricane, I'll stay uphere and do whatever.
I do you guys go to thehurricane, I'll stay up here and
do whatever's, whatever I do.
And when there's a hurricane Iget even busier because then I
start picking up claims from youknow other adjusters that have
left, or my.
My area expands even furtherright.
Speaker 1 (17:16):
Well, and you I think once when you and I were
talking, you do work in likeminnesota and Wisconsin,
michigan, that kind of stuff too, right, yep?
So do they typically say hey, Igot 10 claims over here and I
need somebody to handle them.
So you get a bulk of claims andyou go and you run for four or
five days and then go back home.
Speaker 2 (17:37):
Yeah sometimes.
So I split my year.
I do part of the year in NorthDakota and then part of the year
over in Minnesota on the borderof Wisconsin, just because I
have family there.
I do a lot of the winter therebecause there's a lot more
people in that area, sogenerally more of the daily
claims.
But yeah, I had one.
I went and worked in Milwaukeefor a month just because it
(17:59):
started off.
They're like hey, we have about20 claims, can you go down?
So I was expecting, okay, I'llstay for a couple weeks and then
, as I was there, just more andmore kept rolling in.
They're like so I was kind ofjust helping with the backlog
they had, but I just stayedlonger and longer and yeah, that
was I like that I did.
There was some tornadoes thatwent through southern Wisconsin
but they all hit like small farmtowns, so like small farm towns
(18:26):
.
So each town was only like 200people, so I'd only have two or
three claims in each one.
But yeah, so it was anotherjust cluster of like 20.
And so I went and did a weekand then just kind of but you
know it's worth it if they'regoing to give me, you know, 20,
25 claims I was like, yeah, I'llgo stay two weeks in a place
and do it Absolutely, I'llpretty much go anywhere.
Speaker 1 (18:47):
It's, you know, like like, oh, if it's beneficial,
like absolutely, if it's twoclaims, no.
But for something like that,yeah, yeah, what's your, what's
your season like up there?
Speaker 2 (18:53):
so kind of like april , may and spring, when the snow
melts, till november, ish,generally yes, um, apr, right
now, march, april is wheneverything's starting to melt,
so there's a lot of ice dams andthen you've seen, like well,
(19:13):
yesterday a bunch of hail wentthrough, you know, the lower
part of the country.
I saw that on my reports thismorning.
The hail starts hitting up herereally strong in Minnesota,
wisconsin, you know tornadoes,winds.
So yeah, my summer is reallybusy with hail and wind claims
and then in the fall it justkind of depends.
(19:34):
We tend to get a lot of lately,a lot of late hail storms.
So yeah, I stay pretty busythrough November.
December has been slow, but twoyears ago we had record snowfall
up here and I was busierprobably than I had been all
fall because I was doingbuilding collapses, pole barns,
(19:58):
oh yeah, probably five to six aweek, and tree claims, and those
require two visits for mostinsurance companies because they
want you to go out and take thepictures while the tree's on
the house, um, but then, becauseit was snow covered, we had to
go back in the spring and lookfor any damages to the shingles.
Yeah, so I, I did a lot of, youknow, two trips on those, but
you know that's to be expected.
But yeah, I had, yeah, at leastfive to six claims, sometime 10
(20:21):
claims a week between treesthat had iced up and fell,
because we had it was heavy wetsnow, and then the temp
plummeted to below zero so therewas four to five inch of ice,
oh yeah, everything fell.
So so that was probably thebusiest I've been in a winter.
It was ridiculous, and therewas just no break and then.
(20:42):
But then the spring was weirdBecause, like all the snow had
caused so much problems allwinter and all the ice dams, and
then it just spring.
It was like an instant warm-up,so everything just melted
immediately.
So there was hardly ice damsbecause it just melted so
quickly.
So it was a weird, not so weird.
Yeah, when the weather drivesyour job, it definitely it's
(21:03):
strange.
Speaker 1 (21:05):
I guess that's why they call us adjusters, isn't it
?
Speaker 2 (21:08):
Yeah, yeah, adjust the job and to the weather, yeah
exactly, exactly.
Speaker 1 (21:13):
What do you drive?
Speaker 2 (21:16):
A Ram.
Speaker 1 (21:17):
So you got a four-wheel drive too.
Speaker 2 (21:18):
Yes, yeah, I started with my older one.
I had an 06, and I bought onelast year, two years ago, just
because that way it was underwarranty.
So many miles I put on it.
But I carry because I do a lotof farms and I needed a 28-foot
ladder, so it required a largervehicle.
So I could maybe put it on asmaller one, like a Tacoma or
(21:41):
something, but I don't know howit would look.
Speaker 1 (21:44):
That looked funny up there in North Dakota.
Speaker 2 (21:47):
Yeah, so I just do so many pole barns with six to 18
foot eaves that it's like I justneeded a taller ladder.
So I have one 20 foot, one 28foot and then I carry a little
giant for, like, when I need togo into attics and stuff that I
can bring into the house.
Speaker 1 (22:03):
So let's talk a little bit about farm and ranch,
because you do a lot of farmand ranch claims, right?
Yes, so when you're doing afarm and ranch claim, you have
to definitely get the deck sheetright.
Oh, yeah, yes.
And then you have to figure outhow many buildings on that
(22:26):
policy are covered and what thelimits are on each of those
buildings, right?
Speaker 2 (22:31):
Yes, yep.
And look at endorsements,because tons of them have like
cosmetic endorsements for themetal roofings now, or if the
shingles are too old, they'releft out.
So there's usually a lot ofendorsements on farm and ranch
claims.
Speaker 1 (22:45):
Gotcha.
So before you even go inspect,you have to do all of that
pre-work right and figure outwhat you're doing.
And then, when you're actuallywriting your estimate, do you
have to separate your groupingtree or add, you know, building
001, 002?
.
Speaker 2 (23:05):
Yeah, I, um.
So yeah, I have a.
I have a grouping tree solelyfor farm and ranch, um, that
already has like six buildingson it, and then I just rename
them to match the deck page, um,and so that way they all just
go in order and sometimes I'llhave to add more.
I've had I think I had 14 14buildings was what I had the
(23:28):
most of.
There was more inspected butthere was a lot of grain bins.
So if there's no damage I don'tput them on there, I'll just
put the pictures in the photoreport.
But yeah, I'll just so.
I just go through and I justkind of add the buildings as
needed.
A lot of times the hardest partis figuring out what the name,
or like it'll say machine shed,or it'll just say pole barn one
(23:51):
and pole barn three, and thentrying to talk with the insurer
and figure out which one is theactual pole barns.
Sometimes that gets a littlehard because they don't remember
, because they'll all be thesame size and so they'll just be
like well, we'll just go one,two, three because, right, you
know, because they'll all be thesame size and so they'll just
be like, well, we'll just go one, two, three, you know, because
we don't know Right.
So sometimes they're welllabeled or they'll actually have
(24:12):
the dimensions on it.
They'll say pole barn, 70 by 40.
Other times it just says polebarn one, two and three, and so
both me and the insurer are likeI don't know which one's
supposed to be which.
So we just kind of guess.
Speaker 1 (24:20):
Right, find the one that has the most damage, and
that's the pole barn one.
Speaker 2 (24:25):
Yeah, yeah.
Usually it's like, or dependingon you know, if they're all
insured for something different,is one's a hundred thousand
dollars and one's $20,000.
And we say, okay, the brand newones probably the hundred
thousand dollar one, and thenthe 20,000 is this one that's
rusting and falling apart.
So sometimes it's real easy totell other times.
Speaker 1 (24:46):
You got 14 buildings on a farm and ranch.
Speaker 2 (24:48):
You can spend all day if not a couple days, just on
that claim.
Speaker 1 (24:50):
Oh yeah, I usually, if I'm doing a farm claim, I
only do one a day yeah, yeah,yeah, I did and I think I told
you guys in class I I love doingfarm and ranch because you know
talking with the farmers andseeing their lives and talking
about their life and you knowlooking at grandpa's old barn
that's been there for 150 yearsand all the rest of that stuff
(25:13):
is awesome.
Speaker 2 (25:14):
Yeah, it's usually a lot of fun and sometimes, if
it's real bad, like the ones Idid last summer, there was huge
hail, like two and a half inchhail that had gone through this
skinny strip, so it had ruined alot of farms but also their
crops, cause every it was likeJune, so everything was coming
up.
So I'm there doing the propertyand there was one it was the
auto adjuster was there doingthe cars and equipment and there
(25:37):
was a crop adjuster out in thefield so the farmer was having
to like go and he had his farmhands out with the crop
adjusters and we just allhappened to be there like those
same couple of days and it waskind of it was kind of funny
right, right.
Speaker 1 (25:52):
Yeah, I know nothing about crop I've had to do a
couple.
Speaker 2 (25:56):
It's, uh, not too bad .
I luckily I haven't had to dothe full process.
I've learned a lot becausethere's a lot of crop adjusters
up here, um, but I've usuallyjust been on sent out to get the
photos, especially if it's likeright around harvest.
I had one.
They um, it was eight hours oneway and they were like they
just needed someone to do it,like within 48 hours was the
(26:18):
problem right?
So they were just calling anyadjuster.
They were starting close andworking their way out and they
were like I just happened to bethe closest that was available
at the time because I was doingthe you know four days of
paperwork and give myself somepaper days right uh, well,
luckily those were my paper daysand I was caught up at the time
(26:38):
, so I was like, why not, um?
but yeah, it was because thathad been, um, some herbicide or
something had been sprayed onthem incorrectly, so it had
killed a lot of the crop.
But because they were gettingready to harvest the rest of it,
it had to be inspected beforethey harvest, because they have
like small windows to get thingsdone.
Speaker 1 (26:55):
So yeah, so it was kind of interesting.
Yeah, certainly, when I workedin Minnesota and anything up in
the north part of the country,the crop adjusters in my day
were usually the farmer down theroad.
It was kind of like he was afarmer and then he became an
(27:17):
adjuster and he would run aroundall the farms.
Speaker 2 (27:20):
That's what most of the crop adjusters I've met,
that's what they are.
They're retired farmers thathave just gone into adjusting.
Some of them are still farmingand then they just do adjusting
in the fall or as needed.
So I've just done a couple justto kind of help out or things
like that, just because, again,but it's kind of neat just to do
something a little different.
(27:40):
Same with equipment.
Speaker 1 (27:49):
I've had to do some farm equipment sometimes, know,
you know that's just becausethat's one of the things that's
so cool about what we do,because there's so many
different aspects of it, right.
So, yeah, you get to go do somecrop, you get to learn about
that, you get, you know, thecombines got broken and you're
like, wow, I think it's acombine I'll never forget.
I think it was like 2014.
It's one of my last storms andI was up in uh, uh, nebraska and
(28:13):
all of the corn had gotten, wasalready out of all the bins,
right, so it wasn't harvest, butthen this giant windstorm came,
so all of these a hundredthousand bushel bins and
everything were just crushed.
And the first one I went on waslike what am I supposed to do?
Speaker 2 (28:33):
Yeah, isn't that neat .
They crush like a beer can whenthey're empty.
Speaker 1 (28:36):
Oh my God, when they're empty, they go quick.
Speaker 2 (28:38):
Yeah, I've had to do quite a few of those, but those
are because Xactimate has no,they just pay for the bin, like
if the whole bin's broken butyou can buy panels and then you
have to get the cranes andeverything.
And if it's pushed so if it'spushed off of those, like if the
braces at the bottom and youknow it's anchored in a lot
sometimes those will be broken.
So it's like sometimes it'sjust cheaper to destroy and redo
(29:02):
the whole bin.
Speaker 1 (29:05):
Well, cause you can, can't, you can't replace one of
those lower circles withouttaking it off from the top first
?
Speaker 2 (29:10):
yeah, especially if it has we.
This one was the ones that hadall the walkways attached across
the top, so all those had to bedetached too, which, oh, thank
god, because then we'd have toclimb each bin individually.
Speaker 1 (29:20):
But yeah, no, I would .
I was really fortunate becausethere was a guy that was in the
hotel.
Um, that that's what he did.
So he guided me and directed meand literally most of those
that I got I was like who's theguy that put up the bin?
And then I'd call up thecompany and I'm like, okay, how
much does it cost for a hundredthousand bushel bin?
(29:42):
And most of the time I was ableto one line it if they were
completely destroyed and I couldshow that they were destroyed.
So, yeah, yeah, but there'sthat, that kind of stuff.
And then you know, and floods.
Another thing Liability is areally interesting one I talked
to in one of the podcasts thatwe just came out here.
(30:04):
I was talking a little bitabout liability and you know, I
always said to everybody I'm aproperty adjuster, I can fix
your framing, I can do whatever,but the rest of this stuff I
don't know.
But there's so much aboutliability that actually john
drives into jim's house.
Speaker 2 (30:25):
That's a liability claim yeah, I've had several and
I yeah, I did.
When I was thinking liability,I was thinking someone getting
hurt.
I've never considered I havehad one of those.
I just had to go and take thephotos.
Um, it was someone had slippedand fallen and like hurt
themselves.
So they were saying that it wasbecause the ice hadn't been
cleared outside of like arestaurant or something.
(30:47):
So I had to go and takepictures and show, like, how the
handicap spots were near thesteps or vice versa.
You know, basically I just hadto go and measure everything
about how far were the handicapspots from the ramp versus where
they forced to walk across theparking lot.
Was this crack that was in thesidewalk, a part of it, which I
don't have to?
(31:07):
They even said like I didn'thave to actually make those
decisions.
I just had to basically givethem all the evidence, the
on-site evidence they needed ofthe site.
So I just had to measure allthe cracks and if they were, you
know, different levels ofsidewalk and sidewalk, and so I
was out there for a couple hoursjust with my, you know, tape
measure at 100 foot measure,just measuring a whole bunch of
different things.
Speaker 1 (31:27):
And that was interesting, did you?
You didn't have to sketchanything or anything, did you?
Speaker 2 (31:32):
Oh, just a kind of a basic overview of you know,
here's the parking lot, so justlike a parking lot, sidewalk
restaurant, just an overview.
But then everything else wasjust like here's the view
standing in the parking lot,looking at the front.
Here is the ramp, here is thehandicap spots, here is you have
to cross this or not cross this, or here's the steps.
(31:55):
You know, here's how tall thesteps are, or how many, or you
know.
So it was just things like that.
Are there rails?
You know's how tall the stepsare, or how many, or you know.
So it was just things like that.
Are there rails, you know, onthe handicap walk, things like
that.
So it was just more.
They had a list of things I hadto take and then it was just
kind of taking anything elsethat they thought it might be
applicable.
So those are one of the claimswhere I overtake tons and tons
(32:15):
of photos, because that way, ifthey're like, oh, did you happen
to get one of this angle of theparking lot?
I'm like, well, yes, I did.
I just, you know, didn't sendit in in my report, because I
probably took two, three hundredphotos and I probably, you know
, of their list they sent.
I was only required to probablytake about 120 of their
specific things they needed.
But I was like, oh no, I'mgonna take a bunch, because you
(32:37):
just never know yeah, yeah well,yeah Well, and I guess that's
what we're talking about here.
Speaker 1 (32:43):
Right, we go and we get an adjuster license and it
says all lines what the heck'san all line?
Yeah, right.
And then these things come upfarm and ranch implements you
know liability and everything.
Implements you know liabilityand everything.
(33:04):
And I think a lot of adjustersthat get into this are afraid to
do these other kinds ofadjustments.
But, just like with thatliability, they told you exactly
what they needed you to do.
Speaker 2 (33:12):
Yeah, so super simple .
They sent me a checklist andthey were like we need a picture
of standing at the door lookingat this and we need a picture.
And they told me they were likewe need measurements of the
standing at the door looking atthis and we need a picture.
And they told me they were likewe need measurements of the
sidewalks.
And so it was pretty easy andthen it was just time consuming,
but you know, and then, I toldthem when they had wanted to
(33:33):
know exactly when I'd beinspecting, so they had someone
available in case I hadquestions on site as well.
So they were extremelysupportive.
They knew exactly what theywanted.
It's just, it was kind of sucha remote area that it was just
easier to send me up than try toprobably send someone up from
Minneapolis, say.
Speaker 1 (33:51):
Right, right, right, yeah, and, and, and.
You know these companies thatneed this kind of help.
Speaker 2 (33:56):
they're good about giving you direction, you know
yeah, yeah, I haven't ran intoany companies like everyone
always asks like, well, whowould you never work for?
And I was like so far I haven'tran into any that, like red
flags, I'm like, oh, don't workwith them, like I have my
favorites, but I haven't raninto any that I'm just like,
nope, avoid at all costs.
Speaker 1 (34:15):
So maybe I've been lucky, but well, plus you're the
only one up there, they'regoing to be nice to you, yeah.
Speaker 2 (34:21):
I guess, Exactly, exactly.
Speaker 1 (34:26):
Let's see what else can we talk about?
Had any run-ins withcontractors or anything, how you
negotiate with those guys.
Speaker 2 (34:35):
No, I haven't had any .
I work with a lot ofcontractors but I mean, I always
hear the horror stories of youknow PAs and contractors in like
Florida and down south, but Idon't know if just we have a
different brand of contractorsup here because I don't
generally run into any issueswith them.
I actually prefer them to bethere because I like to be on
(34:56):
the same page when I leavebecause you know, I just had one
.
I had to do a re-inspectionbecause, you know, I met with
the contractor and we agreed onthe damages on site.
Well, then they got a newcontractor and so they were
saying they were like oh well,no, these damages on this wall,
like that's definitely, you know, loss related.
(35:16):
And you know, even the deskadjuster agreed he was like well
, well, based on the picturesyou send, he's like it sure
doesn't look like it, butthey're determined that it is.
So I had to drive back downthere to re-agree on the damages
.
Um, and because it was verydirectional, hail like the back
side of the house looked likeswiss cheese and then the left
(35:36):
elevation where it kind of hit,hit at an angle, but then the
right side it was under the overelevation where it had kind of
hit, hit at an angle.
But then the right side, it wasunder the overhang and it was
this huge.
The hill wasn't even that big,it was just this one like hitch.
It was pretty obvious that asthey were carrying something
into the house, they had droppedit against the side of the
vinyl siding and it had crackedit.
But they were determined to saylike Nope, that was definitely
(35:59):
related to the, to the claim.
So we had to go down there andI had to argue with them again,
just because they I don't knowif they found a cheaper
contractor or switched or quit,I don't know, but it was
completely different company.
So I had to go back down andmeet with them again, cause they
were saying, nope, this isdefinitely sorma related.
Speaker 1 (36:16):
Yeah, yeah, yeah, yeah, but for the most part I
like do you find um, as a womanadjuster, that you have to deal
with some of these guys, or so Idon't want to be.
No, I know what you mean.
Speaker 2 (36:34):
Yeah, they're kind of misogynistic, so i've've.
Actually it's probably more tothe insured sometimes.
Um, really.
Yeah, they.
They seem more surprised that,um, I'm the one that shows up,
even though I talked to him onthe phone.
Um, they seem even moresurprised when I show up with a
ladder like that.
That's probably what it is.
I would say the contractorsseem very shocked.
(36:57):
When I show up with like aladder or a goat or anything to
get on the roof with, they'relike oh well, we didn't think
you'd have one, so, or theyexpect me to have a little giant
, which I do.
But then when I pull up and Ihave a nice extension ladder,
most of the time they want touse mine.
So they're like oh, you have anice ladder, Can we just use
yours?
I'm like, yes, you can.
But then they take it off thetruck and like put it up for me
(37:24):
and they carry it, you know soit's like well whatever, if you
want to use my ladder then I'lllet you carry it.
You know I will, but most of thetime they're so happy because
they have a little, you knowlittle giant that has this much
overhang when it hits the eveand you know I have a full
extension ladder that they canput up and so.
So sometimes it's kind of funny.
They think they expect me topull up in a little like Ford
escort or something, with like atelescoping ladder in the back.
(37:46):
I don't know.
So when I pull up with a fullpickup and boat ladders on the
ladder rack.
Speaker 1 (37:51):
And you got a goat and you're like hey, yeah, yeah,
like I'm ready to go.
Speaker 2 (37:56):
So they seem like really surprised sometimes when
I show up, but I don't.
I haven't ran into issues wherethey like down, talk me or make
me like feel like they're notlistening to me or anything like
that.
Yeah.
Speaker 1 (38:06):
Cool, cool.
I was just wondering because.
Speaker 2 (38:09):
Yeah.
Speaker 1 (38:09):
Because I was wondering no.
Speaker 2 (38:10):
I get asked that question a lot actually.
So, and I do know some of thewomen have dealt with it.
I talked to them in NACA a lotand they've, you know, said that
you know, they've showed up andthe contractors just start
talking to them like they're achild and they just leave.
They'll be like nope, I'm notworking with you anymore, either
send someone else, and sothey'll call the desk adjuster
and be like nope, I'm notworking with that contractor.
Speaker 1 (38:30):
So, though, because they'll, you know, tell them
like you know, you need to stayoff the roof, I'll go back if
it's a different person orreassign a different adjuster to
it, because I'm not doing itright, right, so luckily I
haven't had to do that well, andagain, man, some of the
(38:54):
greatest folks in this country,in my opinion, or minnesota,
wisconsin, because I've workedup in those areas and they,
they're just the salt of theearth and they're so cool and
you know, as opposed to maybeflorida, right, yeah, and I hear
a lot of, and some of the funnythings is like you run into
(39:16):
you've worked farm and ranch,you run into these old farmers
and I mean they'll have like atree down through their living
room and I'm like, oh, it's fine, like we can still use the
bedroom, and I'm like, are youkidding me?
Speaker 2 (39:27):
like they're just totally fine with it.
You know, like, becauseespecially if I get a cluster,
you know I'll call and I'll makemy appointments, but I I always
try to call and talk toeveryone in person.
I I know like it's faster to dotext, but I like to talk to
them because I try to get adescription of the damages,
because you've seen the notes.
Sometimes they're terrible.
It'll just say tree fell onroof.
(39:48):
I'm like, great, the house, roof, garage, roof, shed, boathouse,
like I don't know.
So I try to call and I'll getinformation and you know they'll
be like oh yeah, it just fellonto this like garage we don't
use and they'll make it soundlike it's a detached garage.
And I pull up and it's, youknow, the one attached to their
house, and it's like crushed thewhole thing and I'm like, um,
(40:08):
you kind of didn't explain thatvery well.
So sometimes, even when I callthem, I still don't get a proper
, because then I'd be like Iwould have prioritized you if I
had known that, but they'll makeit sound like oh, it's a
detached garage, we never use it.
Well, that's true, it's storage,but it's still attached to your
house, like versus the shedthat was half falling down half
a mile from your house there's abig difference, yeah, there's a
(40:30):
big difference.
So I was like I try to.
If I know there's an issue, orespecially if I know ale's
involved, I try to prioritizethose, but sometimes it doesn't
work.
Speaker 1 (40:39):
Yeah, you're so right too about these farmers and
ranchers and stuff.
Because I had one where thetrees literally split the guy's
house in half and he was like,no, I'm fine.
And when I showed up to thehouse, I'm like no, you're not
fine.
He's like, no, yeah, we're justlike back here in the bedroom,
back here and and you know, theplumbing isn't working, but
(41:00):
that's okay, because I got treesoutside and I'm like, no, no,
you're not okay.
Speaker 2 (41:05):
Yeah.
So it's just kind of funny,like some of the stuff that
they'll, and then I'll pull upto others and they'll have a
tree that fell on their fenceNow we're near the house and
they'll be absolutely irate that.
You know it took me three daysto get there when there
absolutely irate that, you knowit took me three days to get
there.
Speaker 1 (41:19):
When there's I'm like it's not even it's a fence,
it's going to be ACV and it'sprobably going to be hardly
anything not even over yourdeductible Exactly, exactly,
yeah, there's no telling, norhyme or reason for who we go
and see and and everybody'sdifferent.
That's the thing I love mostabout adjusting is that every
(41:41):
single claim was completelydifferent.
Yes, even if it was the samestorm, same type of damage, it
was just different.
The house was different, thepeople were different and and
that was, I think, for peoplethat are getting into this
business I think that's for me,that was the most exciting part.
Speaker 2 (42:03):
Yeah, that's why I like it so much, because I'm not
bored.
I guess, like I mean, there's adifference between busy and then
not bored, because, yes, I canbe completely swamped and it
keeps me busy, but at least if,but if it's the same thing I'm
doing and kind of a drone,necessarily, it's kind of boring
.
So, yeah, I like that.
Every house is different andyou know a lot of these houses
(42:24):
are beautiful, so sometimes it'sjust you know you're there and
I'm just admiring the house.
You know you get a water claimand it's one of these ones with
carved out banisters and, likeyou know, gorgeous, like
knickknacks all over the house,or they have this like you know,
marble, you know a knickknacksall over the house, or they have
this like you know, marble.
You know, a lot of times they're, you know, if I have the time
in between my claims, or thatmight be the only one for the
day like they'll love to showyou around the house, especially
(42:46):
if they designed it.
Oh, that's their favorite thingand I love hearing them talk
about it.
You know, because they'll belike, oh yeah, like we designed
this and we, we ordered thisfrom, like this german place, or
I brought this over when I wasin vietnam, and they have all
these cool stories, so if youhave time, I really like
listening to their stories, yeah, and hopefully that wasn't
damaged.
Speaker 1 (43:05):
The thing that you brought over, right, yeah, no,
yeah, luckily no.
Speaker 2 (43:09):
But sometimes or that is their concern, you know,
sometimes, depending on what'sdamaged, you know they'll be
like, oh, we don't care aboutany of that stuff, but they're
really concerned about thisdamaged.
You know they'll be like, oh,we don't care about any of that
stuff, but they're reallyconcerned about this.
Like one thing you know,especially if it's contents,
because you know those,depending on what it is, might
not be replaceable, but you know, if it's, you had one, it was
(43:32):
water damage but they had theyhad hand painted all the murals
on the walls and it was actuallylike one of their like cousins,
who's like an artist, and Iactually went and looked them up
and they had a page, so it wasa real artist.
So you know, then it was ratherthan, you know, homeowner labor
, just painting.
It was the mural rate, which isa lot.
Speaker 1 (43:55):
Right.
Speaker 2 (43:56):
But it was the whole walls they had, you know,
painted like this, like junglescape across the kid's bedroom.
But it was gorgeous and thatwas what they were concerned
about because the water had likedamaged part of it, and so how
did, how did you resolve that?
um, so I had reached back, theyhad given me the info to the,
(44:17):
the artist, and so I reachedback out to them and I got a
quote from them on because I'dsent them the pictures of what
was damaged.
And then I was talking to themif they could redo just that
wall or if they would have tolike redo all of it, depending
on their thing.
And they said, based on thephotos, they believe they could
just redo that wall because,even though it was like a
(44:38):
continuous scene, they felt likethey were going to be able to
like redo the colors to matchenough, where it wouldn't be
weird looking.
Um, and I just get a call back,yeah that was the artist, yeah,
so I was talking directly withthem because it was kind of an
intricate thing, um, and so theygave me their quote and then I
(44:59):
compared it to the exact to me,because there is a mural line
item in there for painting andit was pretty close to that.
So I don't remember which onewas less, but I put that in my
report that it was comparable,so they didn't kick it back to
be like oh that price isoutrageous, or you know right,
right, right.
Speaker 1 (45:17):
Yeah, I think you know.
Right, right, right.
Yeah, I think you know, in allthis conversation here, nora,
there's just so much to being anadjuster and it's such a
diverse job and one somebody inthis business just needs to be
(45:38):
open to, to whatever is going tocome their way, and say yes and
figure it out yeah, yeah,sometimes you need to think
outside the box on things too,so a lot of times for sure, for
sure, and and I just you know,so many people get in this
because my cousin, jim bob, wasan adjuster and he made a bunch
(46:00):
of money and they think that'swhat it's going to be and that
is not what this business isabout.
Speaker 2 (46:07):
It is a lot of work.
I love it and I definitely amglad I got into it.
But I work a lot and, like Isaid, I'm surprised at how much
I sit at the computer versusbeing out in the field sometimes
.
Speaker 1 (46:22):
True that, true that too.
That's the other thing.
You know, my cousin, jim Bob'san adjuster and you think it's
all going out there andmeasuring a roof and taking some
pictures and it's over.
When you got as much time onthat computer for that claim as
you did when you were out thereon the inspection, at least, and
(46:44):
sometimes even more.
If it's a big tree and it'ssplit the house in half and you
got to figure out as a truss, isit rafter, or you know, how old
is it, what's it made out of?
All the rest of that kind ofstuff takes a lot of time
sitting at the computer tryingto figure that stuff out.
You guys and and adjusterstoday have it so easy as far as
(47:06):
I'm concerned Because you haveGoogle.
Speaker 2 (47:08):
Yeah.
Speaker 1 (47:09):
Right.
So if you don't know somethingand even more so now this whole
chat, gpt thing and AI I'm goingto tell a quick story before we
get off here.
One of my instructors was afile reviewer for the fires in
California.
(47:30):
Oh okay, so he has a total lossfire and you got debris removal
right.
But the problem with thosefires is all that ash has toxic
stuff in it, so it isn't justlike a typical debris removal.
Let me take the slab off.
You have to actually scrape sixinches below the last piece of
(47:54):
soot that you see to make surethat it's clean, and then you
have to go back with fill dirt.
So I didn't even know this,this, and I wouldn't have done
it even with 22 years experience, right.
So he started thinking aboutthis and he researched it and he
(48:16):
went to chat gpt and he waslike, okay, what do I need to do
in the pacific palace palisades, based upon their regulations
for total loss, first you musthave scraped the land this month
and then you have to do this.
And he said, okay, I have a 6000 acre lot.
How much equipment and materialdo I need?
(48:40):
And that thing came back in aminute and said you need a
backhoe for three days.
You need this many 40 yarddumpsters.
I never even thought about ityou need to have all this
equipment.
He added eighteen thousanddollars to the estimate because
he asked the question nice right, yeah, so there's so many and
(49:04):
you know.
Back to google, you guys, ifyou have a picture or something,
you can put it up and look andfind similar materials and
similar line items so you canactually write that estimate.
Speaker 2 (49:14):
I've done that before .
The Google image search on likethings that I can't find.
Or if the for discontinuedshingles, because I know you can
send in the ITEL report but ifyou know sometimes I'm waiting a
couple days for that, send inthe ITEL report, but if you know
, sometimes I'm waiting a coupleof days for that.
And so you know if I can, on myphoto report, be like okay,
well, this photo and here's thematching photo on the you know
(49:34):
certainty website saying thisthis already discontinued.
That way when they get the ITELreport they're not surprised.
Speaker 1 (49:39):
And so you can write for it, because yeah.
Speaker 2 (49:42):
So that way I just write up for it when I first
send it in, and then a lot oftimes I don't even have to make
a correction, they're just likeoh well, when you get the report
send it, it's like backup proof, essentially right.
But that's also why I likemeeting contractors on site,
because they similar to like howyou were saying, the backhoe
and stuff a lot of times thatstuff they recognize, they know
when they arrive they can pullit, be like oh well, we already
(50:04):
recognize this shingle becauseit's a certainty, blah, blah,
blah, blah, it's beendisconnected.
So I write that down, take mypictures and I can go online and
be like, yep, discontinued,because you know I don't
recognize the names of thosethings.
Um, but they'll be like well,see how, like it slopes off here
, because that's uneven.
So you know, we can't put aladder there, which you know I.
Now I recognize a lot of things, but in the beginning, like
(50:24):
they would immediately be likeoh well, we're going to have to
have a boom lift because there'sno way to put a ladder on that
angle and keep it safe whilecarrying shingles up and down,
and I'm like yeah, that makessense.
So that's why I do like meetingthe contractors there, because
if they have these weird thingsthey want to request but we can
talk about it on site.
Speaker 1 (50:51):
So they could be like well, here's why I need this.
Speaker 2 (50:52):
I'm like yeah, okay, I can put that down and see if I
can justify it to the insurance, because it does make sense,
yeah, yeah.
Or if there's, you know, I'lldo a lot of times with boom
lifts or stuff too, just becauseif there's a lot of power lines
on one side of the house, youknow that might be the one story
side of the house, but if it'sfull of power lines we can't put
your ladders there.
So now they need a boom lift togo up the two-story side for
the safety issues of getting theshingles up and down.
Right, right.
Speaker 1 (51:12):
You know what they're doing in Arizona now Because I
just put a roof on one of thehouses I was telling you about
when we were talking.
They just came down here andthey got this little boom lift
basically, and they just stackedall the shingles right up on
top of the roof and it was onlyI don't know, maybe 250 bucks.
But when they said that I'mlike, as opposed to carrying up
(51:35):
28 squares a shingle on a ladder, hell yeah, I'll pay that money
all day long.
Speaker 2 (51:41):
Yeah, so sometimes it's just a better.
It's like well, yeah, thatmakes sense, rather than wasting
hours to send some poor laborup and down the ladder.
Okay, you know, two 300 bucksfor the day, here's your boom
lift, all right.
Speaker 1 (51:53):
Yeah, yeah, yeah.
Well, nora, it's been awesome,my dear, I wish I talked to you
more.
You know, I'll tell a littlefunny story about you.
So when you left here becauseno, no, no, no, no the only
thing I worried about was youclimbing ladders.
(52:15):
But after that first day whenyou climbed the ladders, I was
like, oh, she's going to be fine, but you were one of those
people who came to the schoolthat just focused and paid
attention and asked questionswhen you needed it.
So you know, typically and alot of guys that were in your
class I held their freaking handfor months after they left here
(52:38):
, Right, and I never had to dothat with you.
So, thanks, you got out.
You were rocking and rollingand I talk to you when I do and
see pictures of you at naca andthat kind of stuff so thanks for
all your support over the yearsyeah, yeah, yeah, we're always
here, for sure, um, so, again,thank you so much for doing this
(53:00):
with us.
Um, for everybody that's outthere listening or watching,
we'll be doing more of these.
I think we've got at therecording, so we're recording
this middle of March, so I thinkthere's been six of them out so
and you told me, nora, that youhaven't heard them yet- yeah, I
(53:21):
knew you were doing five hoursand you're not listening to my
podcast.
Oh my God, I'm so hurt.
No, but I think that they'regood and just conversations like
we just had.
It's good for people to hearthat there's more that they can
do and everybody has a differentstory and we've all experienced
(53:44):
different things.
So, okay, thanks, nora, see youguys.
Speaker 2 (53:46):
Story and we've all experienced different things so
thanks Laura.
This is Adjuster Stories brought to you by
Adjuster TV and VeteranAdjusting School, and now your
host, guy Grant.
Hi everybody, guy Grant herewith Adjuster Stories with Guy
Grant, welcome.
Today I'm sitting here with oneof our graduates, nora Housley
Is that how you say your name?
(00:20):
Yep, housley, housley, yeah, Ialways look at I'm like houseley
, what it so?
Um, when'd you graduate, norah?
Speaker 2 (00:29):
like april 22, 23 yep , april 2022 and, um, I think
this my start date was actuallyalmost a year to to the day,
like right now, three years tothe day, because I want to say
it was around like the 13th or15th of March of 2022.
Speaker 1 (00:46):
Nice and you were.
You did 20 years in what AirForce or Army.
Speaker 2 (00:51):
Yes.
Speaker 1 (00:52):
Air Force, air Force.
And so when you came to us,were you still on terminal leave
, or yes, you were.
Speaker 2 (01:00):
Yep, yep, I had just started my terminal leave.
Speaker 1 (01:03):
So you were a baby, went into the Air Force, did
your 20, and came to us beforeyou even got out.
Yes, what made you think youwanted to be an adjuster when
you got out of the military?
Speaker 2 (01:20):
Well, actually it wasn't my plan.
Right away, when I was goingthrough and getting ready to
separate my six-month mark, Istill didn't really know what to
do.
So, honestly, I just Googledgood jobs for retired military
and of course I came up withsecurity police officer and all
that stuff and catastrophicclaims adjuster popped up and I
had no idea what that was was.
(01:46):
So I started researching it andI was like, oh, it's the people
you know that search thehurricanes and then realize it's
also the ones when mydishwasher leaks, the ones that
come and take pictures.
And I was like, well, thatsounds nice, I could do that.
And, um, I went on Facebook andyou know, to those new adjuster
groups and asked around andheard about Voss and reached out
to you guys and went from therewow, wow, you know it's so.
Speaker 1 (02:05):
It's so funny.
Um, none of us ever get intothis business, because we
thought about it when we were inhigh school.
Right, there is no collegeeducation for being an adjuster.
It literally is just somethingthat that either somebody tells
you or, in your case, which iseven more trippy, that you're
(02:28):
just like yeah well, what's that?
Let me look into that.
Speaker 2 (02:32):
Yeah, and almost everyone I run into.
It's almost everyone's secondcareer.
Speaker 1 (02:37):
Right, right.
Certainly it was like my fifthcareer by the time I got into it
.
But yeah, my fifth career bythe time I got into it.
But yeah, awesome, awesome.
So when you came to the school,you basically knew nothing
about the industry.
Speaker 2 (02:54):
Correct Besides the classes and I got my license and
stuff.
So besides that I knew nothingelse besides just going through
the licensing course.
So that's mainly what taught meanything about it right, right.
Speaker 1 (03:06):
And you know, what's so funny is that all these guys
go and they take that licensingcourse and they spend their 350
dollars and then they, they gettheir license and they're like,
yeah, I'm an adjuster, but thatis so far from the truth.
Yeah, I mean technically yeah,technically you have a license
to do it, but you haveabsolutely zero knowledge of it
(03:30):
and and that's it's.
It's sad that that's kind ofwhat they're told.
Get this license, take anx-actimate course, right, go to
this.
Yeah, go to this four-day classin texas and you're gonna be an
adjuster.
And then they get to the club.
Well, I know, because I did itright 20 something years ago.
(03:52):
But you go to the class and allthey talk about is how great it
is and how much money they makeand but you have no knowledge
about what it is right, yeah,yeah, yeah, yeah.
Speaker 2 (04:04):
So I know one of the things that I warn people about
now is you know cause?
People will ask like, oh, howto get into it?
And even contractors they'll belike, oh, you know, should I be
an adjuster or roofing sales?
I have that conversation withthem a lot, Cause they get paid
a high percentage on their salesbut if it's, you know, a slow
(04:28):
season, they don't have like howdaily claims.
You know we can also do thewater claims, the dishwashers,
the fridge, and they don't havethat option.
So I have the conversation withthem a lot on that, but they're
surprised how much paperwork itinvolves on the adjuster side,
yeah.
Speaker 1 (04:36):
But you know, on the flip side, on the roofer side,
you're married to that homeownerforever.
Yeah, all the way through theend.
Yeah to that homeowner forever.
Speaker 2 (04:44):
Yeah, All the way through the end.
Yeah, so the payout's bigger,so I get the incentive on their
side.
But it's like I'd rather, onceI'm done, like okay, I did my
part and move on to the next.
You know, maybe you have tocome back for revisions, but I
was like I don't want to have tovisit that person six times.
Speaker 1 (04:59):
Right, right, well, and you know, I know, because I
have lots of roofer friends andwe were we were roofers for a
short time in 2010, for like twomonths.
But you literally, when it'sall said and done, you've got to
go back to that insurer and say, ok, now you just got your
recoverable depreciation forfour thousand dollars.
(05:20):
And that comes to us andinevitably they're like well, no
, I'm not paying you that.
And that comes to us andinevitably they're like well, no
, I'm not paying you that.
And it's yeah, yeah, it's muchbetter to go in, say hello, do a
good job and leave and run downthe road.
Yeah, for sure, for sure.
Speaker 2 (05:36):
Yep, I enjoy that part of it.
Speaker 1 (05:39):
I use.
Speaker 2 (05:40):
I use the famous Voss saying I'm eyes, ears measuring
stick many, many times.
Speaker 1 (05:44):
You have.
Yeah, so tell me a little bit,or tell the listeners a little
bit, about your experience atVoss.
So you came with zero knowledge.
Did you leave thinking youunderstood what was happening?
Speaker 2 (05:59):
Yeah, I think.
So I really enjoyed it.
I felt pretty comfortable withit.
I luckily, since most of mymilitary career was spent in
administration the Xactimateside of things and the paperwork
side of things weren't too bad.
It was just learning the system.
But I'm so used to computersthat learning that part of
(06:20):
things was just oh, it's justanother program to use, so that
was kind of second nature to me.
For me it was more just the,the learning how to find the
damage and actually getting upon the roof and using a ladder.
That was all new to me.
So I really like the hands-onpiece of the class especially.
And then the the storm week,like going out and actually
(06:40):
doing it and putting everythingtogether.
Yeah, so I thought that was thethe best, yeah well, and that's
you know.
Speaker 1 (06:48):
What we did for a long time is we'd have folks
like you that came in that knewadmin but didn't know
construction.
The flip side of that is I hada contractor that knew
everything about constructionbut couldn't turn on a freaking
computer.
So you know, for us it was.
It was always interesting.
We'd talk about it at nightafter.
(07:09):
We'll talk about you guys andeverything, but you know that
just how to navigate that classfor wasn't that my class?
Speaker 2 (07:18):
what wasn't that my class, where we had the
contractor who barely could usea computer?
Speaker 1 (07:24):
uh, yeah, I know we had a contractor.
Speaker 2 (07:26):
He was awesome.
Like once he got outside ladderwork he showed us how to find
damages on things, but then,when it came to the computer
work, we would have to show himhow to just navigate.
Speaker 1 (07:35):
Yeah, exactly, exactly.
But you know, the cool thingfor the school as long as we did
, it was when you all left.
You were all had a at a baserate.
You know, and like I, youprobably remember this.
But we built the foundation, webuilt the framing, we dried the
roof.
Everything was ready and it wasup to you, once you left, to
(07:57):
actually do the rest of theconstruction right, yeah, down
to the painting.
So, speaking of that, so you gotout three years ago, this month
, and how long did it take youto get a claim?
Speaker 2 (08:13):
um, well, it was about two weeks after I got home
, since I kind of took a roadtrip and detoured on a vacation
after class.
So, um, I'm gonna count it twoweeks after I officially got
back and started reaching out tofirms and the funny thing was
it wasn't even a firm on yourlist initially.
(08:36):
I used one of those wasadjuster portal or adjuster on
one of those online ones, andput my information in and they
needed someone in North Dakota,just this middle of nowhere
claim.
And they were like hey, wefound your information on here
and you know, I know we don'tlike to use.
They found out I was brand newand you could just hear the
worry in their voice.
(08:58):
They had never heard of us sothey didn't know anything.
So they were like, well, justgo out and take pictures and
then we'll help you witheverything else.
And I was so happy because I'veheard horror stories of first
claims like a full fire andwater.
And I went out there and it wasa one story modular home with
wind damage and like you justpull up and half the roof was
(09:19):
missing and it was like theeasiest claim in the world.
Speaker 1 (09:22):
I was like oh, that's wonderful.
Speaker 2 (09:24):
Yeah, you couldn't have an easier first claim.
And so, you know, I turned itin and I used all the VOS, you
know, not the templates, but theyou know putting the headers
and everything.
And I turned that in and theycalled me like immediately the
next day and they were like Ithought you were brand new, like
where'd you learn all this?
And I told them about boss andthey were saying, oh, besides,
(09:49):
some you know, just correctionsin their report format because
they had specific glr.
They were like, oh yeah, thisis great.
So they've been one of myprimaries companies since yep,
and they became a partnershortly thereafter okay so
they've taken others of our umgraduates since then yeah, yeah,
so, yeah.
So I was really thankful thatthat was my first claim, but I
(10:11):
stayed pretty steady after that.
I mean, I stay pretty steadygenerally all year.
I'm really, really busy in thesummers, obviously, and then it
slows down depending on thewinter.
Speaker 1 (10:21):
Right, just for those who are listening or watching
us right now, nora lives inNorth Dakota.
She's like the only adjuster inNorth Dakota.
Nobody goes.
Speaker 2 (10:33):
Not very many of us, for sure.
Speaker 1 (10:35):
Right, right, and so being up in North Dakota is so
your claim's got to be prettyfar apart.
Speaker 2 (10:44):
Definitely.
In fact I just got one thismorning that is almost 500 mile
round trip.
So the funny thing is it'sactually in South Dakota, so I'm
going crossing the border butthere's just lack of adjusters
so I'm so used to driving far atthis point.
So you know all the firms thatI work with.
(11:05):
We all have, you know, they alldo mileage.
But anytime a new firm reachesout, that's one of the first
things I check.
I'm like well, do you covermileage?
Because I know the claim isgoing to be at least two hours
for me almost always and I'm notgoing to run it for free, right
, right, I will always say yes,I'll do claims.
I just at least want mileage.
Some do T&E for driving, whichis even better.
Speaker 1 (11:26):
Wow, that is good At one.
Speaker 2 (11:30):
It was a 12-hour round-trip drive, but they
approved T&E specifically forthat one because they had been
having issues Because you haveto cross through Canada to get
to it, so it was, or take a boatand it was so limited in, like
their access and they just hadproblems and the contractor they
were using couldn't cross theborder because he can't have a
(11:51):
DUI, and it just was this huge,huge mess and they had the
insured take pictures and sendthem in, but you know, unless
you tell them, oh, you need toclose up a wide shot.
So she just sent close-up of thedamages, but they denied it
because it wasn't good enoughphotos.
And then, you know, she reachedout and was complaining, and so
(12:11):
finally, the higher-ups gotinvolved and were like, no, we
need to send an adjuster out.
And so I got approved for a12-hour and a hotel to stay
overnight.
Speaker 1 (12:22):
Wow, that's pretty cool, because they just needed
someone to get out there, so yougot paid more in those 12 hours
than you did on writing theclaim probably.
Speaker 2 (12:33):
Yeah, it was such a small loss too.
It was, uh, it was a metalroofing, but it was um, you know
, when ice slides off metal roof, it slides off like an
avalanche.
Speaker 1 (12:40):
Right.
Speaker 2 (12:41):
Um, so it had ripped the pipe jack right off the roof
and so then all the water waspouring in um to through the
ceiling, so it had ruined theceiling and the, the hardwood
floor, the laminate flooring,but it was such a small area.
It was, you know, probably fivethousand dollar claim, maybe,
yeah so, but it was just kind offunny, like, but the the
(13:02):
biggest expense was actually theexpense of the contractors
having to, like haul all thematerials up there.
So there was an additionalcontractor expense, which is, I
think, what the contention pointwas.
Speaker 1 (13:14):
Right, right, I remember.
I forget what hurricane it was,but something like off of North
Carolina or something.
There was a barrier island andeverybody had to take a ferry
over to the barrier island.
It was all multimillion dollarhouses and when they were on the
island they could only drive ingolf carts.
(13:34):
And so you know, you go toXactimate and you write up an
estimate.
It could be a beautifulestimate, but it was three times
as high because they had tobring all of the materials over
by ferry.
They had all the all thesheetrock and everything had to
go on on golf carts.
So it was just crazy which Ialways think about.
Speaker 2 (13:58):
Oh, sorry I was like I think about, in michigan, if
that were to happen, there's amackinac island I don't know if
you've ever heard of it, butthere's no motor vehicles
allowed, so everything's done byhorse and carriage, right?
So, or you know, so I was likeI just think about, like when I
visit that place I was like gosh, if there was ever a claim here
, I can't imagine like thelogistics that would come with
(14:20):
it To like haul all thematerials over there.
Speaker 1 (14:27):
The bottom line for us, though we're going and we're
identifying the damage.
We're writing an estimate basedon what we saw.
If we take good photos todocument the loss, so the
company and everybody else knowsexactly what it should be, then
when the contractor comes backin four times as high as our
estimate, there's something totalk about.
(14:47):
We've identified everything.
They know what's damaged.
Now they can actually do thenegotiation with the rest of
that.
So it makes it much easier,yeah.
Speaker 2 (14:57):
I tend to take a lot of photos.
I don't necessarily put themall on my photo report, but I
guess I overtake photos at theclaim and multiple angles of the
damages.
So that way, if you know, if itdoes come back and they're like
, hey, do you happen to have aphoto of maybe this light, or
you know, if they thought itlooked weird or something, so at
least I already have it, youknow.
(15:18):
So I don't try to turn in likeoverturn in you know, my photo
report, unless it's.
You know, I've had some wordsto bend three, four hundred
photos just because of theamount of rooms in the building,
right, but you know, I do tendto take a lot of photos.
You know one of each angle ofthe room, but then I'll only
turn in well, here's theoverview, but they're like oh,
do you have one, you know, fromthis wall showing the window
better, okay, so I have it, so Idon't have to go back, but I
(15:41):
don't necessarily turn them inup front.
Speaker 1 (15:43):
So one of my recommendations If you have to
go 12 hours round trip to aclaim, yeah, just take as many
photos as possible.
Speaker 2 (15:50):
You better take your 400 photos, yeah, so I was like
that'd be one of myrecommendations to any adjuster
Just be like, just take as manyphotos as you need.
Like, don't be skimpy, like, ifyou think it might be blurry,
take it again.
We all have digital cameras,and you know, or your phones,
whatever you use, and right, soyou don't have to upload all of
(16:10):
them, but at least take tons.
Speaker 1 (16:11):
Yeah, yeah, exactly, especially if you have to drive
like you do.
So you don't have to tell usthis or anything, but has it
been financially rewarding beingwhere you are?
Speaker 2 (16:27):
Yeah, I do pretty good.
I know like it's not probablyas good money as the cat
adjusters.
You know because I hear thestories from them, I talk to a
lot of them.
But I like just kind of thesteady pace.
You know because the otherthing is you know I worked, you
know my 12 hour, seven day aweek shifts and 16 hour days and
(16:47):
all that for years in themilitary and no sleep and stress
and I feel like that's what acat claim is and I'm just like I
don't want to like.
Speaker 1 (16:56):
I know the money's there.
Speaker 2 (16:57):
but I'm just like, nah, I'm good, you guys don't go
to the hurricane, I'll stay uphere and do whatever.
I do you guys go to thehurricane, I'll stay up here and
do whatever's, whatever I do.
And when there's a hurricane Iget even busier because then I
start picking up claims from youknow other adjusters that have
left, or my.
My area expands even furtherright.
Speaker 1 (17:16):
Well, and you I think once when you and I were
talking, you do work in likeminnesota and Wisconsin,
michigan, that kind of stuff too, right, yep?
So do they typically say hey, Igot 10 claims over here and I
need somebody to handle them.
So you get a bulk of claims andyou go and you run for four or
five days and then go back home.
Speaker 2 (17:37):
Yeah sometimes.
So I split my year.
I do part of the year in NorthDakota and then part of the year
over in Minnesota on the borderof Wisconsin, just because I
have family there.
I do a lot of the winter therebecause there's a lot more
people in that area, sogenerally more of the daily
claims.
But yeah, I had one.
I went and worked in Milwaukeefor a month just because it
(17:59):
started off.
They're like hey, we have about20 claims, can you go down?
So I was expecting, okay, I'llstay for a couple weeks and then
, as I was there, just more andmore kept rolling in.
They're like so I was kind ofjust helping with the backlog
they had, but I just stayedlonger and longer and yeah, that
was I like that I did.
There was some tornadoes thatwent through southern Wisconsin
but they all hit like small farmtowns, so like small farm towns
(18:26):
.
So each town was only like 200people, so I'd only have two or
three claims in each one.
But yeah, so it was anotherjust cluster of like 20.
And so I went and did a weekand then just kind of but you
know it's worth it if they'regoing to give me, you know, 20,
25 claims I was like, yeah, I'llgo stay two weeks in a place
and do it Absolutely, I'llpretty much go anywhere.
Speaker 1 (18:47):
It's, you know, like like, oh, if it's beneficial,
like absolutely, if it's twoclaims, no.
But for something like that,yeah, yeah, what's your, what's
your season like up there?
Speaker 2 (18:53):
so kind of like april , may and spring, when the snow
melts, till november, ish,generally yes, um, apr, right
now, march, april is wheneverything's starting to melt,
so there's a lot of ice dams andthen you've seen, like well,
(19:13):
yesterday a bunch of hail wentthrough, you know, the lower
part of the country.
I saw that on my reports thismorning.
The hail starts hitting up herereally strong in Minnesota,
wisconsin, you know tornadoes,winds.
So yeah, my summer is reallybusy with hail and wind claims
and then in the fall it justkind of depends.
(19:34):
We tend to get a lot of lately,a lot of late hail storms.
So yeah, I stay pretty busythrough November.
December has been slow, but twoyears ago we had record snowfall
up here and I was busierprobably than I had been all
fall because I was doingbuilding collapses, pole barns,
(19:58):
oh yeah, probably five to six aweek, and tree claims, and those
require two visits for mostinsurance companies because they
want you to go out and take thepictures while the tree's on
the house, um, but then, becauseit was snow covered, we had to
go back in the spring and lookfor any damages to the shingles.
Yeah, so I, I did a lot of, youknow, two trips on those, but
you know that's to be expected.
But yeah, I had, yeah, at leastfive to six claims, sometime 10
(20:21):
claims a week between treesthat had iced up and fell,
because we had it was heavy wetsnow, and then the temp
plummeted to below zero so therewas four to five inch of ice,
oh yeah, everything fell.
So so that was probably thebusiest I've been in a winter.
It was ridiculous, and therewas just no break and then.
(20:42):
But then the spring was weirdBecause, like all the snow had
caused so much problems allwinter and all the ice dams, and
then it just spring.
It was like an instant warm-up,so everything just melted
immediately.
So there was hardly ice damsbecause it just melted so
quickly.
So it was a weird, not so weird.
Yeah, when the weather drivesyour job, it definitely it's
(21:03):
strange.
Speaker 1 (21:05):
I guess that's why they call us adjusters, isn't it
?
Speaker 2 (21:08):
Yeah, yeah, adjust the job and to the weather, yeah
exactly, exactly.
Speaker 1 (21:13):
What do you drive?
Speaker 2 (21:16):
A Ram.
Speaker 1 (21:17):
So you got a four-wheel drive too.
Speaker 2 (21:18):
Yes, yeah, I started with my older one.
I had an 06, and I bought onelast year, two years ago, just
because that way it was underwarranty.
So many miles I put on it.
But I carry because I do a lotof farms and I needed a 28-foot
ladder, so it required a largervehicle.
So I could maybe put it on asmaller one, like a Tacoma or
(21:41):
something, but I don't know howit would look.
Speaker 1 (21:44):
That looked funny up there in North Dakota.
Speaker 2 (21:47):
Yeah, so I just do so many pole barns with six to 18
foot eaves that it's like I justneeded a taller ladder.
So I have one 20 foot, one 28foot and then I carry a little
giant for, like, when I need togo into attics and stuff that I
can bring into the house.
Speaker 1 (22:03):
So let's talk a little bit about farm and ranch,
because you do a lot of farmand ranch claims, right?
Yes, so when you're doing afarm and ranch claim, you have
to definitely get the deck sheetright.
Oh, yeah, yes.
And then you have to figure outhow many buildings on that
(22:26):
policy are covered and what thelimits are on each of those
buildings, right?
Speaker 2 (22:31):
Yes, yep.
And look at endorsements,because tons of them have like
cosmetic endorsements for themetal roofings now, or if the
shingles are too old, they'releft out.
So there's usually a lot ofendorsements on farm and ranch
claims.
Speaker 1 (22:45):
Gotcha.
So before you even go inspect,you have to do all of that
pre-work right and figure outwhat you're doing.
And then, when you're actuallywriting your estimate, do you
have to separate your groupingtree or add, you know, building
001, 002?
.
Speaker 2 (23:05):
Yeah, I, um.
So yeah, I have a.
I have a grouping tree solelyfor farm and ranch, um, that
already has like six buildingson it, and then I just rename
them to match the deck page, um,and so that way they all just
go in order and sometimes I'llhave to add more.
I've had I think I had 14 14buildings was what I had the
(23:28):
most of.
There was more inspected butthere was a lot of grain bins.
So if there's no damage I don'tput them on there, I'll just
put the pictures in the photoreport.
But yeah, I'll just so.
I just go through and I justkind of add the buildings as
needed.
A lot of times the hardest partis figuring out what the name,
or like it'll say machine shed,or it'll just say pole barn one
(23:51):
and pole barn three, and thentrying to talk with the insurer
and figure out which one is theactual pole barns.
Sometimes that gets a littlehard because they don't remember
, because they'll all be thesame size and so they'll just be
like well, we'll just go one,two, three because, right, you
know, because they'll all be thesame size and so they'll just
be like, well, we'll just go one, two, three, you know, because
we don't know Right.
So sometimes they're welllabeled or they'll actually have
(24:12):
the dimensions on it.
They'll say pole barn, 70 by 40.
Other times it just says polebarn one, two and three, and so
both me and the insurer are likeI don't know which one's
supposed to be which.
So we just kind of guess.
Speaker 1 (24:20):
Right, find the one that has the most damage, and
that's the pole barn one.
Speaker 2 (24:25):
Yeah, yeah.
Usually it's like, or dependingon you know, if they're all
insured for something different,is one's a hundred thousand
dollars and one's $20,000.
And we say, okay, the brand newones probably the hundred
thousand dollar one, and thenthe 20,000 is this one that's
rusting and falling apart.
So sometimes it's real easy totell other times.
Speaker 1 (24:46):
You got 14 buildings on a farm and ranch.
Speaker 2 (24:48):
You can spend all day if not a couple days, just on
that claim.
Speaker 1 (24:50):
Oh yeah, I usually, if I'm doing a farm claim, I
only do one a day yeah, yeah,yeah, I did and I think I told
you guys in class I I love doingfarm and ranch because you know
talking with the farmers andseeing their lives and talking
about their life and you knowlooking at grandpa's old barn
that's been there for 150 yearsand all the rest of that stuff
(25:13):
is awesome.
Speaker 2 (25:14):
Yeah, it's usually a lot of fun and sometimes, if
it's real bad, like the ones Idid last summer, there was huge
hail, like two and a half inchhail that had gone through this
skinny strip, so it had ruined alot of farms but also their
crops, cause every it was likeJune, so everything was coming
up.
So I'm there doing the propertyand there was one it was the
auto adjuster was there doingthe cars and equipment and there
(25:37):
was a crop adjuster out in thefield so the farmer was having
to like go and he had his farmhands out with the crop
adjusters and we just allhappened to be there like those
same couple of days and it waskind of it was kind of funny
right, right.
Speaker 1 (25:52):
Yeah, I know nothing about crop I've had to do a
couple.
Speaker 2 (25:56):
It's, uh, not too bad .
I luckily I haven't had to dothe full process.
I've learned a lot becausethere's a lot of crop adjusters
up here, um, but I've usuallyjust been on sent out to get the
photos, especially if it's likeright around harvest.
I had one.
They um, it was eight hours oneway and they were like they
just needed someone to do it,like within 48 hours was the
(26:18):
problem right?
So they were just calling anyadjuster.
They were starting close andworking their way out and they
were like I just happened to bethe closest that was available
at the time because I was doingthe you know four days of
paperwork and give myself somepaper days right uh, well,
luckily those were my paper daysand I was caught up at the time
(26:38):
, so I was like, why not, um?
but yeah, it was because thathad been, um, some herbicide or
something had been sprayed onthem incorrectly, so it had
killed a lot of the crop.
But because they were gettingready to harvest the rest of it,
it had to be inspected beforethey harvest, because they have
like small windows to get thingsdone.
Speaker 1 (26:55):
So yeah, so it was kind of interesting.
Yeah, certainly, when I workedin Minnesota and anything up in
the north part of the country,the crop adjusters in my day
were usually the farmer down theroad.
It was kind of like he was afarmer and then he became an
(27:17):
adjuster and he would run aroundall the farms.
Speaker 2 (27:20):
That's what most of the crop adjusters I've met,
that's what they are.
They're retired farmers thathave just gone into adjusting.
Some of them are still farmingand then they just do adjusting
in the fall or as needed.
So I've just done a couple justto kind of help out or things
like that, just because, again,but it's kind of neat just to do
something a little different.
(27:40):
Same with equipment.
Speaker 1 (27:49):
I've had to do some farm equipment sometimes, know,
you know that's just becausethat's one of the things that's
so cool about what we do,because there's so many
different aspects of it, right.
So, yeah, you get to go do somecrop, you get to learn about
that, you get, you know, thecombines got broken and you're
like, wow, I think it's acombine I'll never forget.
I think it was like 2014.
It's one of my last storms andI was up in uh, uh, nebraska and
(28:13):
all of the corn had gotten, wasalready out of all the bins,
right, so it wasn't harvest, butthen this giant windstorm came,
so all of these a hundredthousand bushel bins and
everything were just crushed.
And the first one I went on waslike what am I supposed to do?
Speaker 2 (28:33):
Yeah, isn't that neat .
They crush like a beer can whenthey're empty.
Speaker 1 (28:36):
Oh my God, when they're empty, they go quick.
Speaker 2 (28:38):
Yeah, I've had to do quite a few of those, but those
are because Xactimate has no,they just pay for the bin, like
if the whole bin's broken butyou can buy panels and then you
have to get the cranes andeverything.
And if it's pushed so if it'spushed off of those, like if the
braces at the bottom and youknow it's anchored in a lot
sometimes those will be broken.
So it's like sometimes it'sjust cheaper to destroy and redo
(29:02):
the whole bin.
Speaker 1 (29:05):
Well, cause you can, can't, you can't replace one of
those lower circles withouttaking it off from the top first
?
Speaker 2 (29:10):
yeah, especially if it has we.
This one was the ones that hadall the walkways attached across
the top, so all those had to bedetached too, which, oh, thank
god, because then we'd have toclimb each bin individually.
Speaker 1 (29:20):
But yeah, no, I would .
I was really fortunate becausethere was a guy that was in the
hotel.
Um, that that's what he did.
So he guided me and directed meand literally most of those
that I got I was like who's theguy that put up the bin?
And then I'd call up thecompany and I'm like, okay, how
much does it cost for a hundredthousand bushel bin?
(29:42):
And most of the time I was ableto one line it if they were
completely destroyed and I couldshow that they were destroyed.
So, yeah, yeah, but there'sthat, that kind of stuff.
And then you know, and floods.
Another thing Liability is areally interesting one I talked
to in one of the podcasts thatwe just came out here.
(30:04):
I was talking a little bitabout liability and you know, I
always said to everybody I'm aproperty adjuster, I can fix
your framing, I can do whatever,but the rest of this stuff I
don't know.
But there's so much aboutliability that actually john
drives into jim's house.
Speaker 2 (30:25):
That's a liability claim yeah, I've had several and
I yeah, I did.
When I was thinking liability,I was thinking someone getting
hurt.
I've never considered I havehad one of those.
I just had to go and take thephotos.
Um, it was someone had slippedand fallen and like hurt
themselves.
So they were saying that it wasbecause the ice hadn't been
cleared outside of like arestaurant or something.
(30:47):
So I had to go and takepictures and show, like, how the
handicap spots were near thesteps or vice versa.
You know, basically I just hadto go and measure everything
about how far were the handicapspots from the ramp versus where
they forced to walk across theparking lot.
Was this crack that was in thesidewalk, a part of it, which I
don't have to?
(31:07):
They even said like I didn'thave to actually make those
decisions.
I just had to basically givethem all the evidence, the
on-site evidence they needed ofthe site.
So I just had to measure allthe cracks and if they were, you
know, different levels ofsidewalk and sidewalk, and so I
was out there for a couple hoursjust with my, you know, tape
measure at 100 foot measure,just measuring a whole bunch of
different things.
Speaker 1 (31:27):
And that was interesting, did you?
You didn't have to sketchanything or anything, did you?
Speaker 2 (31:32):
Oh, just a kind of a basic overview of you know,
here's the parking lot, so justlike a parking lot, sidewalk
restaurant, just an overview.
But then everything else wasjust like here's the view
standing in the parking lot,looking at the front.
Here is the ramp, here is thehandicap spots, here is you have
to cross this or not cross this, or here's the steps.
(31:55):
You know, here's how tall thesteps are, or how many, or you
know.
So it was just things like that.
Are there rails?
You know's how tall the stepsare, or how many, or you know.
So it was just things like that.
Are there rails, you know, onthe handicap walk, things like
that.
So it was just more.
They had a list of things I hadto take and then it was just
kind of taking anything elsethat they thought it might be
applicable.
So those are one of the claimswhere I overtake tons and tons
(32:15):
of photos, because that way, ifthey're like, oh, did you happen
to get one of this angle of theparking lot?
I'm like, well, yes, I did.
I just, you know, didn't sendit in in my report, because I
probably took two, three hundredphotos and I probably, you know
, of their list they sent.
I was only required to probablytake about 120 of their
specific things they needed.
But I was like, oh no, I'mgonna take a bunch, because you
(32:37):
just never know yeah, yeah well,yeah Well, and I guess that's
what we're talking about here.
Speaker 1 (32:43):
Right, we go and we get an adjuster license and it
says all lines what the heck'san all line?
Yeah, right.
And then these things come upfarm and ranch implements you
know liability and everything.
Implements you know liabilityand everything.
(33:04):
And I think a lot of adjustersthat get into this are afraid to
do these other kinds ofadjustments.
But, just like with thatliability, they told you exactly
what they needed you to do.
Speaker 2 (33:12):
Yeah, so super simple .
They sent me a checklist andthey were like we need a picture
of standing at the door lookingat this and we need a picture.
And they told me they were likewe need measurements of the
standing at the door looking atthis and we need a picture.
And they told me they were likewe need measurements of the
sidewalks.
And so it was pretty easy andthen it was just time consuming,
but you know, and then, I toldthem when they had wanted to
(33:33):
know exactly when I'd beinspecting, so they had someone
available in case I hadquestions on site as well.
So they were extremelysupportive.
They knew exactly what theywanted.
It's just, it was kind of sucha remote area that it was just
easier to send me up than try toprobably send someone up from
Minneapolis, say.
Speaker 1 (33:51):
Right, right, right, yeah, and, and, and.
You know these companies thatneed this kind of help.
Speaker 2 (33:56):
they're good about giving you direction, you know
yeah, yeah, I haven't ran intoany companies like everyone
always asks like, well, whowould you never work for?
And I was like so far I haven'tran into any that, like red
flags, I'm like, oh, don't workwith them, like I have my
favorites, but I haven't raninto any that I'm just like,
nope, avoid at all costs.
Speaker 1 (34:15):
So maybe I've been lucky, but well, plus you're the
only one up there, they'regoing to be nice to you, yeah.
Speaker 2 (34:21):
I guess, Exactly, exactly.
Speaker 1 (34:26):
Let's see what else can we talk about?
Had any run-ins withcontractors or anything, how you
negotiate with those guys.
Speaker 2 (34:35):
No, I haven't had any .
I work with a lot ofcontractors but I mean, I always
hear the horror stories of youknow PAs and contractors in like
Florida and down south, but Idon't know if just we have a
different brand of contractorsup here because I don't
generally run into any issueswith them.
I actually prefer them to bethere because I like to be on
(34:56):
the same page when I leavebecause you know, I just had one
.
I had to do a re-inspectionbecause, you know, I met with
the contractor and we agreed onthe damages on site.
Well, then they got a newcontractor and so they were
saying they were like oh well,no, these damages on this wall,
like that's definitely, you know, loss related.
(35:16):
And you know, even the deskadjuster agreed he was like well
, well, based on the picturesyou send, he's like it sure
doesn't look like it, butthey're determined that it is.
So I had to drive back downthere to re-agree on the damages
.
Um, and because it was verydirectional, hail like the back
side of the house looked likeswiss cheese and then the left
(35:36):
elevation where it kind of hit,hit at an angle, but then the
right side it was under the overelevation where it had kind of
hit, hit at an angle.
But then the right side, it wasunder the overhang and it was
this huge.
The hill wasn't even that big,it was just this one like hitch.
It was pretty obvious that asthey were carrying something
into the house, they had droppedit against the side of the
vinyl siding and it had crackedit.
But they were determined to saylike Nope, that was definitely
(35:59):
related to the, to the claim.
So we had to go down there andI had to argue with them again,
just because they I don't knowif they found a cheaper
contractor or switched or quit,I don't know, but it was
completely different company.
So I had to go back down andmeet with them again, cause they
were saying, nope, this isdefinitely sorma related.
Speaker 1 (36:16):
Yeah, yeah, yeah, yeah, but for the most part I
like do you find um, as a womanadjuster, that you have to deal
with some of these guys, or so Idon't want to be.
No, I know what you mean.
Speaker 2 (36:34):
Yeah, they're kind of misogynistic, so i've've.
Actually it's probably more tothe insured sometimes.
Um, really.
Yeah, they.
They seem more surprised that,um, I'm the one that shows up,
even though I talked to him onthe phone.
Um, they seem even moresurprised when I show up with a
ladder like that.
That's probably what it is.
I would say the contractorsseem very shocked.
(36:57):
When I show up with like aladder or a goat or anything to
get on the roof with, they'relike oh well, we didn't think
you'd have one, so, or theyexpect me to have a little giant
, which I do.
But then when I pull up and Ihave a nice extension ladder,
most of the time they want touse mine.
So they're like oh, you have anice ladder, Can we just use
yours?
I'm like, yes, you can.
But then they take it off thetruck and like put it up for me
(37:24):
and they carry it, you know soit's like well whatever, if you
want to use my ladder then I'lllet you carry it.
You know I will, but most of thetime they're so happy because
they have a little, you knowlittle giant that has this much
overhang when it hits the eveand you know I have a full
extension ladder that they canput up and so.
So sometimes it's kind of funny.
They think they expect me topull up in a little like Ford
escort or something, with like atelescoping ladder in the back.
(37:46):
I don't know.
So when I pull up with a fullpickup and boat ladders on the
ladder rack.
Speaker 1 (37:51):
And you got a goat and you're like hey, yeah, yeah,
like I'm ready to go.
Speaker 2 (37:56):
So they seem like really surprised sometimes when
I show up, but I don't.
I haven't ran into issues wherethey like down, talk me or make
me like feel like they're notlistening to me or anything like
that.
Yeah.
Speaker 1 (38:06):
Cool, cool.
I was just wondering because.
Speaker 2 (38:09):
Yeah.
Speaker 1 (38:09):
Because I was wondering no.
Speaker 2 (38:10):
I get asked that question a lot actually.
So, and I do know some of thewomen have dealt with it.
I talked to them in NACA a lotand they've, you know, said that
you know, they've showed up andthe contractors just start
talking to them like they're achild and they just leave.
They'll be like nope, I'm notworking with you anymore, either
send someone else, and sothey'll call the desk adjuster
and be like nope, I'm notworking with that contractor.
Speaker 1 (38:30):
So, though, because they'll, you know, tell them
like you know, you need to stayoff the roof, I'll go back if
it's a different person orreassign a different adjuster to
it, because I'm not doing itright, right, so luckily I
haven't had to do that well, andagain, man, some of the
(38:54):
greatest folks in this country,in my opinion, or minnesota,
wisconsin, because I've workedup in those areas and they,
they're just the salt of theearth and they're so cool and
you know, as opposed to maybeflorida, right, yeah, and I hear
a lot of, and some of the funnythings is like you run into
(39:16):
you've worked farm and ranch,you run into these old farmers
and I mean they'll have like atree down through their living
room and I'm like, oh, it's fine, like we can still use the
bedroom, and I'm like, are youkidding me?
Speaker 2 (39:27):
like they're just totally fine with it.
You know, like, becauseespecially if I get a cluster,
you know I'll call and I'll makemy appointments, but I I always
try to call and talk toeveryone in person.
I I know like it's faster to dotext, but I like to talk to
them because I try to get adescription of the damages,
because you've seen the notes.
Sometimes they're terrible.
It'll just say tree fell onroof.
(39:48):
I'm like, great, the house, roof, garage, roof, shed, boathouse,
like I don't know.
So I try to call and I'll getinformation and you know they'll
be like oh yeah, it just fellonto this like garage we don't
use and they'll make it soundlike it's a detached garage.
And I pull up and it's, youknow, the one attached to their
house, and it's like crushed thewhole thing and I'm like, um,
(40:08):
you kind of didn't explain thatvery well.
So sometimes, even when I callthem, I still don't get a proper
, because then I'd be like Iwould have prioritized you if I
had known that, but they'll makeit sound like oh, it's a
detached garage, we never use it.
Well, that's true, it's storage,but it's still attached to your
house, like versus the shedthat was half falling down half
a mile from your house there's abig difference, yeah, there's a
(40:30):
big difference.
So I was like I try to.
If I know there's an issue, orespecially if I know ale's
involved, I try to prioritizethose, but sometimes it doesn't
work.
Speaker 1 (40:39):
Yeah, you're so right too about these farmers and
ranchers and stuff.
Because I had one where thetrees literally split the guy's
house in half and he was like,no, I'm fine.
And when I showed up to thehouse, I'm like no, you're not
fine.
He's like, no, yeah, we're justlike back here in the bedroom,
back here and and you know, theplumbing isn't working, but
(41:00):
that's okay, because I got treesoutside and I'm like, no, no,
you're not okay.
Speaker 2 (41:05):
Yeah.
So it's just kind of funny,like some of the stuff that
they'll, and then I'll pull upto others and they'll have a
tree that fell on their fenceNow we're near the house and
they'll be absolutely irate that.
You know it took me three daysto get there when there
absolutely irate that, you knowit took me three days to get
there.
Speaker 1 (41:19):
When there's I'm like it's not even it's a fence,
it's going to be ACV and it'sprobably going to be hardly
anything not even over yourdeductible Exactly, exactly,
yeah, there's no telling, norhyme or reason for who we go
and see and and everybody'sdifferent.
That's the thing I love mostabout adjusting is that every
(41:41):
single claim was completelydifferent.
Yes, even if it was the samestorm, same type of damage, it
was just different.
The house was different, thepeople were different and and
that was, I think, for peoplethat are getting into this
business I think that's for me,that was the most exciting part.
Speaker 2 (42:03):
Yeah, that's why I like it so much, because I'm not
bored.
I guess, like I mean, there's adifference between busy and then
not bored, because, yes, I canbe completely swamped and it
keeps me busy, but at least if,but if it's the same thing I'm
doing and kind of a drone,necessarily, it's kind of boring
.
So, yeah, I like that.
Every house is different andyou know a lot of these houses
(42:24):
are beautiful, so sometimes it'sjust you know you're there and
I'm just admiring the house.
You know you get a water claimand it's one of these ones with
carved out banisters and, likeyou know, gorgeous, like
knickknacks all over the house,or they have this like you know,
marble, you know a knickknacksall over the house, or they have
this like you know, marble.
You know, a lot of times they're, you know, if I have the time
in between my claims, or thatmight be the only one for the
day like they'll love to showyou around the house, especially
(42:46):
if they designed it.
Oh, that's their favorite thingand I love hearing them talk
about it.
You know, because they'll belike, oh yeah, like we designed
this and we, we ordered thisfrom, like this german place, or
I brought this over when I wasin vietnam, and they have all
these cool stories, so if youhave time, I really like
listening to their stories, yeah, and hopefully that wasn't
damaged.
Speaker 1 (43:05):
The thing that you brought over, right, yeah, no,
yeah, luckily no.
Speaker 2 (43:09):
But sometimes or that is their concern, you know,
sometimes, depending on what'sdamaged, you know they'll be
like, oh, we don't care aboutany of that stuff, but they're
really concerned about thisdamaged.
You know they'll be like, oh,we don't care about any of that
stuff, but they're reallyconcerned about this.
Like one thing you know,especially if it's contents,
because you know those,depending on what it is, might
not be replaceable, but you know, if it's, you had one, it was
(43:32):
water damage but they had theyhad hand painted all the murals
on the walls and it was actuallylike one of their like cousins,
who's like an artist, and Iactually went and looked them up
and they had a page, so it wasa real artist.
So you know, then it was ratherthan, you know, homeowner labor
, just painting.
It was the mural rate, which isa lot.
Speaker 1 (43:55):
Right.
Speaker 2 (43:56):
But it was the whole walls they had, you know,
painted like this, like junglescape across the kid's bedroom.
But it was gorgeous and thatwas what they were concerned
about because the water had likedamaged part of it, and so how
did, how did you resolve that?
um, so I had reached back, theyhad given me the info to the,
(44:17):
the artist, and so I reachedback out to them and I got a
quote from them on because I'dsent them the pictures of what
was damaged.
And then I was talking to themif they could redo just that
wall or if they would have tolike redo all of it, depending
on their thing.
And they said, based on thephotos, they believe they could
just redo that wall because,even though it was like a
(44:38):
continuous scene, they felt likethey were going to be able to
like redo the colors to matchenough, where it wouldn't be
weird looking.
Um, and I just get a call back,yeah that was the artist, yeah,
so I was talking directly withthem because it was kind of an
intricate thing, um, and so theygave me their quote and then I
(44:59):
compared it to the exact to me,because there is a mural line
item in there for painting andit was pretty close to that.
So I don't remember which onewas less, but I put that in my
report that it was comparable,so they didn't kick it back to
be like oh that price isoutrageous, or you know right,
right, right.
Speaker 1 (45:17):
Yeah, I think you know.
Right, right, right.
Yeah, I think you know, in allthis conversation here, nora,
there's just so much to being anadjuster and it's such a
diverse job and one somebody inthis business just needs to be
(45:38):
open to, to whatever is going tocome their way, and say yes and
figure it out yeah, yeah,sometimes you need to think
outside the box on things too,so a lot of times for sure, for
sure, and and I just you know,so many people get in this
because my cousin, jim bob, wasan adjuster and he made a bunch
(46:00):
of money and they think that'swhat it's going to be and that
is not what this business isabout.
Speaker 2 (46:07):
It is a lot of work.
I love it and I definitely amglad I got into it.
But I work a lot and, like Isaid, I'm surprised at how much
I sit at the computer versusbeing out in the field sometimes
.
Speaker 1 (46:22):
True that, true that too.
That's the other thing.
You know, my cousin, jim Bob'san adjuster and you think it's
all going out there andmeasuring a roof and taking some
pictures and it's over.
When you got as much time onthat computer for that claim as
you did when you were out thereon the inspection, at least, and
(46:44):
sometimes even more.
If it's a big tree and it'ssplit the house in half and you
got to figure out as a truss, isit rafter, or you know, how old
is it, what's it made out of?
All the rest of that kind ofstuff takes a lot of time
sitting at the computer tryingto figure that stuff out.
You guys and and adjusterstoday have it so easy as far as
(47:06):
I'm concerned Because you haveGoogle.
Speaker 2 (47:08):
Yeah.
Speaker 1 (47:09):
Right.
So if you don't know somethingand even more so now this whole
chat, gpt thing and AI I'm goingto tell a quick story before we
get off here.
One of my instructors was afile reviewer for the fires in
California.
(47:30):
Oh okay, so he has a total lossfire and you got debris removal
right.
But the problem with thosefires is all that ash has toxic
stuff in it, so it isn't justlike a typical debris removal.
Let me take the slab off.
You have to actually scrape sixinches below the last piece of
(47:54):
soot that you see to make surethat it's clean, and then you
have to go back with fill dirt.
So I didn't even know this,this, and I wouldn't have done
it even with 22 years experience, right.
So he started thinking aboutthis and he researched it and he
(48:16):
went to chat gpt and he waslike, okay, what do I need to do
in the pacific palace palisades, based upon their regulations
for total loss, first you musthave scraped the land this month
and then you have to do this.
And he said, okay, I have a 6000 acre lot.
How much equipment and materialdo I need?
(48:40):
And that thing came back in aminute and said you need a
backhoe for three days.
You need this many 40 yarddumpsters.
I never even thought about ityou need to have all this
equipment.
He added eighteen thousanddollars to the estimate because
he asked the question nice right, yeah, so there's so many and
(49:04):
you know.
Back to google, you guys, ifyou have a picture or something,
you can put it up and look andfind similar materials and
similar line items so you canactually write that estimate.
Speaker 2 (49:14):
I've done that before .
The Google image search on likethings that I can't find.
Or if the for discontinuedshingles, because I know you can
send in the ITEL report but ifyou know sometimes I'm waiting a
couple days for that, send inthe ITEL report, but if you know
, sometimes I'm waiting a coupleof days for that.
And so you know if I can, on myphoto report, be like okay,
well, this photo and here's thematching photo on the you know
(49:34):
certainty website saying thisthis already discontinued.
That way when they get the ITELreport they're not surprised.
Speaker 1 (49:39):
And so you can write for it, because yeah.
Speaker 2 (49:42):
So that way I just write up for it when I first
send it in, and then a lot oftimes I don't even have to make
a correction, they're just likeoh well, when you get the report
send it, it's like backup proof, essentially right.
But that's also why I likemeeting contractors on site,
because they similar to like howyou were saying, the backhoe
and stuff a lot of times thatstuff they recognize, they know
when they arrive they can pullit, be like oh well, we already
(50:04):
recognize this shingle becauseit's a certainty, blah, blah,
blah, blah, it's beendisconnected.
So I write that down, take mypictures and I can go online and
be like, yep, discontinued,because you know I don't
recognize the names of thosethings.
Um, but they'll be like well,see how, like it slopes off here
, because that's uneven.
So you know, we can't put aladder there, which you know I.
Now I recognize a lot of things, but in the beginning, like
(50:24):
they would immediately be likeoh well, we're going to have to
have a boom lift because there'sno way to put a ladder on that
angle and keep it safe whilecarrying shingles up and down,
and I'm like yeah, that makessense.
So that's why I do like meetingthe contractors there, because
if they have these weird thingsthey want to request but we can
talk about it on site.
Speaker 1 (50:51):
So they could be like well, here's why I need this.
Speaker 2 (50:52):
I'm like yeah, okay, I can put that down and see if I
can justify it to the insurance, because it does make sense,
yeah, yeah.
Or if there's, you know, I'lldo a lot of times with boom
lifts or stuff too, just becauseif there's a lot of power lines
on one side of the house, youknow that might be the one story
side of the house, but if it'sfull of power lines we can't put
your ladders there.
So now they need a boom lift togo up the two-story side for
the safety issues of getting theshingles up and down.
Right, right.
Speaker 1 (51:12):
You know what they're doing in Arizona now Because I
just put a roof on one of thehouses I was telling you about
when we were talking.
They just came down here andthey got this little boom lift
basically, and they just stackedall the shingles right up on
top of the roof and it was onlyI don't know, maybe 250 bucks.
But when they said that I'mlike, as opposed to carrying up
(51:35):
28 squares a shingle on a ladder, hell yeah, I'll pay that money
all day long.
Speaker 2 (51:41):
Yeah, so sometimes it's just a better.
It's like well, yeah, thatmakes sense, rather than wasting
hours to send some poor laborup and down the ladder.
Okay, you know, two 300 bucksfor the day, here's your boom
lift, all right.
Speaker 1 (51:53):
Yeah, yeah, yeah.
Well, nora, it's been awesome,my dear, I wish I talked to you
more.
You know, I'll tell a littlefunny story about you.
So when you left here becauseno, no, no, no, no the only
thing I worried about was youclimbing ladders.
(52:15):
But after that first day whenyou climbed the ladders, I was
like, oh, she's going to be fine, but you were one of those
people who came to the schoolthat just focused and paid
attention and asked questionswhen you needed it.
So you know, typically and alot of guys that were in your
class I held their freaking handfor months after they left here
(52:38):
, Right, and I never had to dothat with you.
So, thanks, you got out.
You were rocking and rollingand I talk to you when I do and
see pictures of you at naca andthat kind of stuff so thanks for
all your support over the yearsyeah, yeah, yeah, we're always
here, for sure, um, so, again,thank you so much for doing this
(53:00):
with us.
Um, for everybody that's outthere listening or watching,
we'll be doing more of these.
I think we've got at therecording, so we're recording
this middle of March, so I thinkthere's been six of them out so
and you told me, nora, that youhaven't heard them yet- yeah, I
(53:21):
knew you were doing five hoursand you're not listening to my
podcast.
Oh my God, I'm so hurt.
No, but I think that they'regood and just conversations like
we just had.
It's good for people to hearthat there's more that they can
do and everybody has a differentstory and we've all experienced
(53:44):
different things.
So, okay, thanks, nora, see youguys.
Speaker 2 (53:46):
Story and we've all experienced different things so
thanks Laura.
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