March 28, 2025 • 31 mins
The roofing industry in Oklahoma faces unique challenges that deeply affect homeowners, contractors, and insurance companies alike. Scott from McRoof pulls back the curtain on the complex and often contentious world of roofing and insurance claims in the heart of Tornado Alley.
Drawing from decades of experience in construction and roofing, Scott shares how his company was built on a foundation of technical competency and consumer education rather than high-pressure sales tactics. He explains the crucial distinction between "roofing salesmen" and what his company employs: "solution specialists" who focus on creating genuine solutions for homeowners facing storm damage.
At the core of Scott's philosophy is what he calls "the edge of the coin" - maintaining perfect balance between homeowner and insurance company interests through accurate damage assessment and fair pricing. This approach stands in stark contrast to the adversarial climate that's developed in recent years, where desk adjusters frequently override on-site inspections, creating frustration for all parties involved.
The conversation takes a fascinating turn when Scott discusses how advanced roofing technologies can dramatically improve resilience against Oklahoma's severe weather. These systems, while requiring higher initial investment, can withstand up to two-inch hail and even EF1/EF2 tornadoes without significant damage.
For listeners wondering how to protect themselves when selecting a roofing contractor, Scott offers practical advice for spotting red flags and essential credentials to verify. From checking the Construction Industries Board registration to verifying manufacturer credentials, these tips provide a roadmap for finding trustworthy professionals in an industry sometimes known for storm-chasing opportunists.
Want to better protect your home and potentially contribute to lowering insurance premiums across Oklahoma? Listen now to discover how building better roofing systems could transform both individual homes and the state's insurance landscape.
https://mcroof.us/
https://www.facebook.com/mcroofokc
https://oklahoma.gov/cib.html
Follow BBB Serving Central Oklahoma on Facebook, Instagram and LinkedIn @BBBCentralOK
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (01:47):
Thank you.
Thank you, Hello everyone, andwelcome back to the Build With
BBB podcast.
Today on the podcast we have avery special guest.
We have owner of McRoof Scott.
We are going to be talkingabout the insurance crisis in
Oklahoma, the roofing industryin general, things consumers
might need to know about vettingand really finding trustworthy
businesses to work on their homeAll the things that.
Speaker 2 (02:08):
I think that you're going to knock it out of the
park.
Things I'm passionate about.
Speaker 1 (02:12):
Yeah, Scott, welcome to the podcast.
We're glad you're here.
Speaker 2 (02:14):
Thank you very much.
I appreciate it, glad to behere.
Speaker 1 (02:17):
I like to start off the podcast always with a super
easy question.
Speaker 2 (02:20):
Okay.
Speaker 1 (02:21):
Just you know, make it easy.
Yeah sure, an easy intro.
Speaker 2 (02:24):
Yeah, throw me a softball.
Speaker 1 (02:25):
Yeah, Tell us about your business, how it started
and what you do here in Oklahomaand who you serve.
Speaker 2 (02:40):
Well, business is McRoofus.
We formed McRoofus in NorthTexas in 2006 after a 40-plus
year career in commercial andresidential construction of all
types, years and years and yearsas a home builder and as a
high-end luxury remodel thingslike that and my wife and I were
really just looking forsomething that we could narrow
the scope and we could dosomething very, very well and
get done and actually finish aproject instead of being in it
(03:00):
for year after year after yearand hopefully get paid and go on
down the road with a happyclient.
So that's what we look at.
Okay, where do we live?
We live in Hale Belt, tornadoAlley, so we're going to have a
recurring customer base,obviously.
So that was part of theequation for us.
We looked at all the tradesthat we had ever been associated
(03:21):
with in all of our constructionbusinesses and we kind of
started to narrow it down.
I'd been a trim carpenter for along time and done subcarpentry
for other contractors as a sidebusiness, really kind of like
the cabinet side of things, andwe ultimately started looking at
the roofing business and saidyou know, this is a business
(03:43):
where the consuming marketplaceis very underserved.
We didn't like what consumerswere given by the roofing
business and said you know, thisis a business where the
consuming marketplace is veryunderserved.
We didn't like what consumerswere given by the roofing
industry and we thought perhapswe could do it better.
We had a different idea abouthow we would want to do that,
what it would look like.
I had years and years ofexperience with my own roofing
company doing all of my work,forming my subcontractor, in
(04:04):
other words.
So I knew a lot about roofing,but I didn't want to do it like
everybody else in the world.
So I didn't want to nail onemanufacturer shingle today and
another one next week and dosomething different all the time
.
It didn't seem like arepeatable, efficient process to
me.
So I started looking at themajor manufacturers and for
(04:33):
years I had used CertainTeedproducts on my construction
projects.
Very good friends with theterritory rep in North Texas at
the time Started asking a lot ofquestions, really digging and
comparing the major roofingmanufacturers in North America
in terms of what their productofferings were.
What is their R&D?
How much money and effort dothey put into being cutting edge
?
Where are they in thedevelopment of new products and
(04:54):
technologies that are bettergoing to serve the marketplace?
How do they support theircontractor network?
What do their credentialing andeducation programs look like?
Certain Teeds is one that youcannot buy your credential.
You actually have to earn yourcredentials with CertainTeed.
So I liked that and it gave usa starting place to get into
(05:17):
building systems.
Roofs that's a whole bunch ofcomponent parts that are all
manufactured by one manufacturer.
In other words, you don't havea bunch of finger pointing if
something goes wrong.
If you've built a system's roofand it's all CertainTeed, then
CertainTeed can't point a fingerand say oh, that's somebody
(05:38):
else's ice and water, that'ssomebody else's underlayment or
that's somebody else's startercourse, we're not responsible
for the problem you're having onyour roof to the consumers.
So we settled on CertainTeedand we've been a CertainTeed
only contractor ever since weopened the doors.
We do one thing better thananybody else in the marketplace
does.
We built CertainTeed integrityroof systems and that's what we
(06:00):
do.
That's what we're known for.
Speaker 1 (06:01):
And this is important to your business because it
comes back to taking care ofyour customers.
Speaker 2 (06:05):
Absolutely.
That's where everything startswith us is.
We built our business aroundwhat the consumer's needs are
and how we can deliver to theman experience.
You know, let's admit, inOklahoma or North Texas or the
Hell Belt, tornado Alley,however you want to define that
(06:26):
most roof replacements are beingdone in the context of an
insurance claim, a stormrestoration claim.
So there is a degree ofexpertise and professionalism
that is required to be able tohonor the relationships in storm
restoration, to be able tohonor the relationships in storm
(06:47):
restoration.
In storm restoration, you havea contractual relationship
between a homeowner or abusiness owner who has an
insurance contract on theirproperty and their insurer.
That is a contractualobligation between those parties
.
The insured has duties to theinsurer and the insurer
certainly has duties to theinsurer and the insurer
certainly has duties to theinsured.
What happens in stormrestoration that is really
(07:10):
really ugly, and the part of itthat a lot of people get caught
up in, unfortunately, is wheresomeone is not honoring those
relationships and that someonecould be a roofing contractor,
that someone could be anadjuster, that someone could be
(07:31):
a public adjuster, that someonecould be the insurance company
not operating in good faith,that someone could actually be a
consumer who is not honestlydepicting what their damages
related to that particular stormevent are and who are not
paying their deductible andtaking care of business the way
(07:51):
that they're supposed to.
So there's a whole lot ofparties to that and that's where
it really gets ugly and reallygets messy is when the parties
aren't honoring theirobligations one to the other.
So the way that McRoofapproaches storm restoration,
insurance restoration and wehave all the credentials I'm a
licensed public adjuster but Idon't use that in the context of
(08:13):
my roofing business.
I use that from a notstandpoint to teach and train my
people and to be able to servemy friends in the roofing
industry and their clients whomight need some help from time
to time.
But what we do is we start outwith the idea that we have a
duty and an obligation to amutual client.
(08:34):
When the insured becomes ourclient, they are a mutual client
of ours and the insurancecompany.
We have a duty to the insured,but we have a duty to the
insurance company as well, andthat duty is to accurately and
honestly determine what thedamages related to that storm
(08:57):
event are.
Those damages don't include allthe deferred maintenance around
the house.
Those damages don't include thegarage door that the teenage
son ran into with the bumper ofthe car.
Those damages don't include thefence section of the backyard
that the kids have knocked overplaying ball and things like
(09:17):
that.
Those damages are specificallydamages that are related to the
event that happened, typicallyin Oklahoma.
We're talking about wind, hail,water or tornado or some
combination therein.
So the first thing is is that Ihave to build and have built the
technical competency within myteam to understand what storm
(09:41):
damage is and, more importantlyprobably, what storm damage is
not Okay.
And so when we do an inspection, which is the starting place
for anyone, you know, anyrelationship that we're going to
enter into, the starting placeis what we call a qualified
inspection, and I tell everyoneI say it every week on the radio
(10:05):
, I tell everyone to listen Aqualified roof inspection is not
a roofing salesman telling youyou need to file an insurance
claim.
Okay, very often a qualifiedroof inspection is not a
licensed home inspectorevaluating your roof.
Roofing inspectors havecredentials In our company.
(10:26):
We have.
Our credentials are builtaround a company called Hague
Engineering.
Hague Engineering trains asignificant portion of insurance
adjusters throughout thecountry.
They train damage assessors andengineers and all kinds of
people in storm damageinvestigation.
Okay.
So we kind of build a depth oftechnical competency around the
(10:50):
Hague credentials.
Not everyone can have those.
Someone just coming into thebusiness can't have a Hague
credential but we still use ourcredentials to build that
person's technical competencybecause I have them on the roof.
We call it boots on the roof.
I have them, boots on the roof,side by side with one of my
other Hague certified inspectorsand they're learning every step
(11:14):
of the way what that's like.
They get on the roof with myinspectors, with adjusters, okay
, so they understand what thatwhole process is like.
And then, as we get them to apoint where they have the book,
learning part of it and they'restarting to build the experience
, then we'll let them start togo and do their own inspections,
write their own reports andpresent them to one of us to
(11:36):
review and comment on, and thenfrom time to time say, hey, I
think we need to go back out andget on this roof together
because we're not seeing exactlywhat you saw.
That's how we build thattechnical competency and my
people are not roofing salesmen,my people are solution
specialists.
That's what their title is.
(11:57):
That's how they get compensated.
They get compensated forcreating solutions for
homeowners, business owners.
That doesn't always mean filinga claim, that doesn't always
mean selling them a roof.
There's a whole lot of otherthings that can come into play
in the context of how we rollout storm restoration services,
(12:18):
and so that's a difference, Ithink, in the way that we
approach it, but when it comesto the point of honoring those
relationships the insured andthe insurance company I call it
the edge of the coin.
It's a visual that I've alwaysdrawn for my people.
Our job is to keep that coinstanding on its edge, and if we,
if you saying this to any of mypeople, if you let that coin
(12:43):
fall one way or the other, youhave not done your job.
What does that mean?
It means that you have done anhonest and accurate evaluation
of what the damage is.
You have done an honest,accurate and up-to-date current
price on what the value of thatdamage is, and you have not
asked the insurance company.
When we rewrite the claim, orwe write the claim and send it
(13:07):
to the insurance company, youhave not asked the insurance
company for one dime that theydo not owe.
Okay, that's the edge of thecoin and that's what does not
get honored and respected in thestorm restoration space, and
it's the reason we have thesehuge pendulum swings on how
claims are handled, how claimsare paid.
(13:27):
Okay, it is the insurancecompanies who are getting their
brains beat out.
Believe me, it's the insurancecompany's reaction to their
perception that insureds,contractors, independent
adjusters, public adjusters andattorneys are taking advantage
of the insurance companies.
(13:48):
So you get this huge divide andyou get everybody casting
stones, everybody blamingeverybody else, and we never
really make any progress interms of draining the swamp or
cleaning it up.
Okay, we used to collaborate,excuse me, we used to
collaborate on claims withinsurance companies, meaning
(14:08):
that someone like myself or myson or someone that's got a lot
of experience and a lot ofcredentials and most of my
people at this point in theircareers would get on a roof with
an insurance adjuster.
We would agree exactly what thedamage is.
We know how the pricing isstructured because it comes from
Xactimate, the industrystandard for how insurance
(14:31):
companies price their claims,and so we knew what to expect
and everybody's in agreement andthey would go to their office
or they would send theirphotographs and documentation on
the claim to the back office orwhatever, and in a day or two
the insured would get a claimsummary and it would be almost
exactly what we had agreed toand within dollars of what we
(14:52):
expected the dollar amount to be.
That is not what happensanymore.
Okay, we now go and we get onthat roof with that adjuster and
we agree to what is there andthey tell us what they're going
to do, and it ends up going to adesk adjuster someone in that
back office who looks atphotographs, looks at
(15:15):
documentation, who has neverbeen on that roof, has not put
as on it, okay and they decidethat no, we're not going to pay
for that roof when you'vealready had a qualified
inspector and a qualifiedadjuster on the roof who says in
some cases we've had it wherethey've had a conversation with
the insured before they left,telling the insured that I'm
(15:37):
going to pay for this, this,this, this, this and this, and
that you should get yourpaperwork in a week or 10 days,
and the desk adjuster decidesthat they're not going to pay
for that Sight unseen.
So it's a whole different worldthat we're dealing with now than
what it was before.
So that's the reason that ourtechnical competency and our
expertise in terms of the claimside of things has to get better
(16:02):
and better and better, andwe're starting to use a lot of
different tools.
We're starting to use thingsthat we've never used before.
We are fairly big into dronetechnology.
Now we're using drones, andwe're using drones with AI and
we are literally training the AIto understand what storm damage
(16:25):
is versus all the otheranomalies that could exist on a
roof.
Okay, so it's a process, youknow, and we're getting there
slowly but surely, but ideally,at some point in time we'll get
to a place again where theinsurance companies will be able
to quit spending money sendingadjusters out into the field.
(16:46):
Okay, they pretty much don'tsend adjusters into the field
now.
Anyway, it's typically what wecall a ladder assist or maybe an
independent adjuster.
The days of insurance companieshaving staff adjusters for the
most part is long gone, okay, sotypically we're getting someone
who's not even a licensedadjuster doing what we call a
(17:07):
ladder assist and making thatinitial determination in the
field.
We can do better than that withqualified inspectors, like I
have, and with the AI that we'rein the process of training
right now.
We can do better than whatthey're getting right now, and
they won't have to incur thatcost.
But what's it going to take toget there?
They're going to have to trustthe data that we give them, and
(17:31):
that's the huge divide right nowis there is zero trust.
I get thrown under the bus withevery other roofing contractor
in the country, including theones that are in the
penitentiary.
I get thrown under that samebus by the roofing industry,
regardless of my standing,regardless of my credentials
industry, regardless of mystanding, regardless of my
credentials, regardless of myeducation, my experience and my
(17:53):
reputation, I still get thrownunder the bus by the insurance
companies.
I have a claim right now wherean insurer has been denied three
times twice on aboots-on-the-roof inspection and
a third time with the dronetechnology and the insurance
company has denied the claimthree times.
It's a $10,000 claim.
(18:13):
It's a small claim, $10,000claim.
They've probably spent morethan $10,000 denying it by now
and yet they forced me to haveto go that extra mile, extract
myself from the whole thing formy client.
Tell him I cannot be yourroofer, I will not be your
public adjuster, but I will beyour appraiser and go to the
(18:34):
insurance department and file acomplaint and demand appraisal
on that claim.
Speaker 1 (18:39):
Let's go down the line of building better and
resiliency and better roofingsystems, and all of that for
clients.
Tell me about your process andwhat that looks like.
Speaker 2 (18:48):
Okay, so when one of my solution specialists has
someone that actually has damageand needs a new roof, we're
going to go through that entireprocess, through the insurance
process.
As far as the storm restorationgoes, the first thing that my
solution specialist is doingafter the initial inspection of
the roof itself.
Okay, we're going to look, askfor and look at the insurance
(19:11):
contract.
We want to know what theconditions are.
We want to know how much theirdeductible is.
We want to know whether theyhave replacement cost coverage
or actual cash value.
We need to know if they haveany kind of coverage for
ordinance of law, which is thecode coverage, the things that
will be required to bring theirroof up to the current building
codes that if they don't havethat coverage, that becomes an
(19:33):
out-of-pocket expense for theminstead of from the insurance
company paying for it.
We want to know what theexclusionary conditions in the
policy are, what all theendorsements are and things like
that.
Because I say to my friends inthe roofing industry all the
time how can you recommend tosomeone that they file an
insurance claim when you don'teven know what the conditions of
(19:55):
their policy are?
Ok, you've got to be able toevaluate everything relative to
what a consumer's anticipatedout of pocket is.
So we actually have created andI have copyrighted a a document
called.
We call it Oops, and it is anout-of-pocket scenario and
that's what it is.
(20:15):
And so one of the very firstthings that anyone on my team
does in terms of on the solutionside of things is we sit down
with a client and we show themtheir anticipated oops before
they ever file a claim.
In other words, here's yourdeductible for wind and hail.
Here's your non-recoverabledepreciation.
(20:35):
Here are the code items thatyou do not have coverage for and
we cannot build your roof if wedon't bring it up to the
current code.
Here are the optional upgradesthat you should strongly
consider.
The impact-resistant technology, the fortified roofing system,
things like that Show them anout-of-pocket scenario for them,
(20:57):
so they know, before they everfile that claim, they have been
advised as to what theirpotential out-of-pocket is going
to look like once we get theclaim properly settled.
So it's an educated decisionand, as I just said, when we go
through that oops, we are theneducating and encouraging
everyone that not only are weshowing you impact-resistant
(21:23):
technology and fortified roofingsystems and other
building-better practices likesystems, roofs, enhanced
warranties, all of those kindsof things, that, yes, they have
a dollar cost associated withthem, but I will not refer to
that as a cost.
That is an investment.
(21:44):
It's an investment in theprotection of your home and your
family and everything in it.
It is also an investment in thewelfare of every citizen in the
state of Oklahoma, because yourinvestment in building better
practices is going to come backto everyone in the form of
reduced insurance premiums.
(22:06):
It is critical that people quitlooking at a roof as a commodity
.
Roof is the most important.
Next to the foundation.
The roof is the most importantstructure that there is on your
home or business.
It's what protects you fromeverything that mother nature
can throw at us, and we knowwhat that is in Oklahoma.
(22:27):
Okay, but we have technologiesthat will keep people from
having to replace asphaltshingle roofs every time there's
a nickel and dime hailstorm.
We have technologies that willstand up to, we have systems,
methodologies that will stand upto F1 and F2 tornadoes without
having significant damage.
(22:49):
And if we can do that, if wecan eliminate having to replace
a roof for nickel and dime hailactually, I say nickel and dime
if we can eliminate having toreplace a roof for up to
two-inch hail and if we caneliminate all of the water
damage and all of the thingsthat happens in an EF1 or EF2
tornado, when your roofstructure not the framing, not
(23:12):
the decking, but your roofshingle, your covering comes off
.
If we can keep all the waterout of the structure not the
framing, not the decking, butyour roof shingle, your covering
comes off.
If we can keep all the waterout of the structure, we've
reduced that insured loss forthe insurance company by over
70%.
The roof is easy to replace.
But once you get all the waterinside, now you have to mitigate
mold, you have to remediate,you have to move people out of
(23:34):
their house because it'suninhabitable, you have to
replace all their contents.
They have additional livingexpense.
See how the claim just ticks upand up and up and up.
So if we can keep the roof on,if we can build resilient, if we
can build fortified roofing,then we can prevent a whole lot
of the losses that are takingplace.
I've got shingle technology inthe CertainTeed family of
(23:57):
shingles that I started using inOklahoma in 2018.
So we're going seven, eightyears now.
We have never replaced aNorthgate shingle roof, which is
a CertainTeed, high-end product.
We have never replaced aNorthgate shingle roof for hail
damage Never.
We have never replaced aNorthgate shingle roof for hail
damage Never.
We have just now replaced ourvery first Northgate shingle
(24:18):
roof, and it's because of impactdamage from tornado-blown
debris in the storms down at89th and sooner last November.
We have never replaced one ofthose roofs for hail damage.
Friends of mine in the roofingbusiness say well, I'm not going
to sell people that shingle,you know I'll never get to
replace it.
As their attitude and I go oh mygosh, isn't that the desired
(24:46):
result?
If I could never have toreplace a roof for one of my
clients, that would be perfect.
That would be absolutelyperfect, because I don't have to
worry about where my businessis going to come from.
Our business is built on trust,as you said.
Our business is built on thattechnical competency and the
integrity that we built into ourprocess.
That is all about making surethe consumer is educated.
They may not choose to doeverything that we're suggesting
(25:07):
to them that they do.
They're at least going to knowthat it's an option.
They're going to at least makean educated decision as to what
they can and cannot afford to doin conjunction with the money
that's coming from the insurancecompany their deductible and
whatever else they might be ableto put on top of it, to make
that greatest investment for theprotection of their home and
(25:29):
their family.
And that's what it's all about.
That's how we approach business.
That's why I never have toworry about where my customers
are going to come from.
Speaker 1 (25:42):
I love that.
Yeah, scott, I think it's clearto anybody listening that BBB
Standards for Trust are reallyintegrated into your business,
and how awesome for all the goodwork that you're doing here.
Tell me why that is soimportant, just to you as a
business owner.
Speaker 2 (25:57):
Well, I think that the reason that I wanted to
become an accredited businesswith BBB is I just wanted to
have I really wanted to havemore than the credential.
I wanted to have a process that, if there ever you know
nobody's perfect, you knownobody's perfect, and if there
was something where things wentawry, that I wanted to have a
process that everyone understoodup front and that we could rely
(26:17):
to come to a fair conclusionfor everybody involved.
And that's really that was mymotivation and it was the reason
that I wanted to become anaccredited member of Better
Business Bureau.
Speaker 1 (26:28):
Wonderful Thank you.
I also was poking around onyour website.
You have a lot of resourcesthere.
Wonderful Thank you.
I also was poking around onyour website.
You have a lot of resourcesthere.
Can you tell us a little bitabout what businesses or
consumers who are listeningtoday?
Speaker 2 (26:39):
can find on your website that might be helpful.
Well, I think that they'regoing to find more.
Right now we're in the process.
This is a brand new website, sowe're getting ready to add some
more content to it about someof the specific things the IBHS
fortified program and some ofour certainty offerings.
We're getting ready to launchour solar entry into the
marketplace, which is anothercertainty product.
(27:00):
So there's going to be morecoming, but there are a lot of
resources there.
About vetting a roofingcontractor you go about figuring
out who the good guys are andwho maybe the people you ought
to ask to exit your universe are.
That kind of thing.
So there's information there.
There's great information thereabout some of the technologies
that are coming down the pike.
There's information there aboutthe CertainTeed Northgate and
(27:23):
ClimateFlex modified SBSshingles.
That's the workhorse.
That's what we believe in.
There's a lot of informationthere about systems, roofs,
systems, roofs.
Again, all one manufacturer'scomponent parts put into a
system exactly the way thatmanufacturer wants it installed.
And yeah, I'm a certainty-onlyguy and that's what I believe in
(27:44):
.
That's what we do.
But other manufacturers havetheir system and as long as
you're using all the componentparts and that the contractor
actually is versed in installingit exactly per the
manufacturer's instructions,then I have no issue with that.
It's still better than whatmost people get.
I had a roof the other day andit's a big roof.
(28:05):
It's a $150,000 roof, okay.
And when I was looking at theinvoice from the roofing
contractor who did the roof, youknow, five or six years ago, he
had one company's this andanother manufacturer's that and
he had five or six differentmanufacturers integrated into
this quote unquote roof systemthat he sold this client.
(28:27):
That's not a roof system.
That's a bunch of componentparts that aren't even
necessarily designed to gotogether and will not perform
the way they would have had itbeen a system from that one
manufacturer.
People don't often get what itis.
They think they've been sold.
This gentleman thought he hadbought a systems roof.
Well, he did buy a systems roof, or he did pay for a systems
(28:48):
roof, but he didn't know hewasn't getting a systems roof
when it was being installed.
We have people all the time whosay, well, I bought an
impact-resistant shingle.
Well, I'm sorry, I just gotdone inspecting your roof.
I looked at the backside ofyour shingle and you don't have
an impact.
Well, I paid for one.
Well, you didn't get one, so itis, it is and that's again
(29:09):
that's the reason that peoplereally need to do their homework
.
I tell everyone that will listen, particularly in the roofing
space, generally about peopleknocking on your door, but
particularly in the roofingspace and particularly after a
big storm, there are things thatyou absolutely have to do, and
the first thing you do whensomebody knocks on your door is
(29:30):
you ask them for theirConstruction Industries Board
registration card.
Little, their constructionindustries board registration
card.
Little orange card, littleorange card.
And it has the companyrepresentative not necessarily
the person that's standing infront of you, but it has the
authorized representative onthere.
It has an expiration date on itand it tells you whether they
(29:52):
have a commercial endorsement.
Now most homeowners don't needto worry about that, but
business owners certainly do.
Now they're showing you thatcard.
That's step number one for youto even continue having any
conversation.
But I'm going to give you alittle caveat.
After they leave, you need togo online to the CIB, oklahoma
(30:12):
slash roofers and you need toverify click on the little link,
verify that, that card that hejust showed you that they are
still in good standing with thestate of Oklahoma.
So just because he showed you acard doesn't mean that they're
still in good standing.
You need to go and validatethat.
The next thing you can do is,obviously, you can check the
(30:33):
Better Business Bureau, see whatinformation they have.
If this person, if they don'thave a business card with a
physical address not a PO box aphysical address somewhere
within the proximity of your zipcode, you probably ought to
just ask them to go on someplaceelse.
Okay, if you look out there andyou see their truck, they've
got an out-of-state licenseplate.
Speaker 1 (30:53):
Yeah, be careful.
Speaker 2 (30:55):
Yeah, be careful, yeah.
So there's all these bells andwhistles and things that are
going off.
I tell people all the timenever take a certificate.
Some people will ask someonefor a certificate of insurance.
They've kind of learned, youknow never take a certificate of
insurance from a contractorwho's handing you a certificate
of insurance.
A certificate of insurancecomes to you by email or in the
(31:18):
mail from the insurance companyor from the broker or from the
insurance agent, never somethingthat that person is handing you
, because that may have been avalid certificate on the day
that it was issued and the nextday they were canceled for
non-payment of their premiumsand you think they have
insurance and they don't.
That's a huge risk forhomeowners.
The biggest risk that you havewith a project going on on your
(31:40):
property is someone getting hurton your property and that
contractor not having validworkers' compensation insurance,
not having subcontractoragreements with his
subcontractors and them in turnhaving valid workers'
compensation.
Speaker 1 (31:54):
We certainly don't want that.
These are great tips,especially as we head into storm
season Check with manufacturers.
Speaker 2 (32:00):
Ask them do they have any manufacturer's credentials?
And if they tell you whatcredentials they have, it's real
easy.
You go to the manufacturer'swebsites and it says find a
professional.
You put their name in there.
If they don't populate, they donot have that credential.
I have people all the time thatclaim that they have
credentials that they do nothave.
Speaker 1 (32:21):
Thanks for those tips .
You bet you bet, thanks forjoining us today.
I think below in ourdescription box, our show notes,
we will have all of theresources linked.
I did want to say one morething.
I just love the title of yourblog McBlog, that is so cute.
Speaker 2 (32:38):
Yeah, there are a lot of great resources on anybody
listening.
Make sure to go check it out.
You bet, you bet Absolutely.
And you know my solutions teammy title is Chief Solutions
Officer, my team are solutionspecialists and they exist to
solve problems for the consumingmarketplace.
So that's why we're here.
Speaker 1 (32:53):
Thank you so much for being here.
You bet For all of those whoare still listening and or
watching.
Thank you for listening.
Be sure to connect with McRoof.
I'll have a website.
Social media handles.
Absolutely, absolutely, give mea follow, a like and a share.
We'll see you in the nextepisode, friends.
Thank you.
Thank you, Hello everyone, andwelcome back to the Build With
BBB podcast.
Today on the podcast we have avery special guest.
We have owner of McRoof Scott.
We are going to be talkingabout the insurance crisis in
Oklahoma, the roofing industryin general, things consumers
might need to know about vettingand really finding trustworthy
businesses to work on their homeAll the things that.
Speaker 2 (02:08):
I think that you're going to knock it out of the
park.
Things I'm passionate about.
Speaker 1 (02:12):
Yeah, Scott, welcome to the podcast.
We're glad you're here.
Speaker 2 (02:14):
Thank you very much.
I appreciate it, glad to behere.
Speaker 1 (02:17):
I like to start off the podcast always with a super
easy question.
Speaker 2 (02:20):
Okay.
Speaker 1 (02:21):
Just you know, make it easy.
Yeah sure, an easy intro.
Speaker 2 (02:24):
Yeah, throw me a softball.
Speaker 1 (02:25):
Yeah, Tell us about your business, how it started
and what you do here in Oklahomaand who you serve.
Speaker 2 (02:40):
Well, business is McRoofus.
We formed McRoofus in NorthTexas in 2006 after a 40-plus
year career in commercial andresidential construction of all
types, years and years and yearsas a home builder and as a
high-end luxury remodel thingslike that and my wife and I were
really just looking forsomething that we could narrow
the scope and we could dosomething very, very well and
get done and actually finish aproject instead of being in it
(03:00):
for year after year after yearand hopefully get paid and go on
down the road with a happyclient.
So that's what we look at.
Okay, where do we live?
We live in Hale Belt, tornadoAlley, so we're going to have a
recurring customer base,obviously.
So that was part of theequation for us.
We looked at all the tradesthat we had ever been associated
(03:21):
with in all of our constructionbusinesses and we kind of
started to narrow it down.
I'd been a trim carpenter for along time and done subcarpentry
for other contractors as a sidebusiness, really kind of like
the cabinet side of things, andwe ultimately started looking at
the roofing business and saidyou know, this is a business
(03:43):
where the consuming marketplaceis very underserved.
We didn't like what consumerswere given by the roofing
business and said you know, thisis a business where the
consuming marketplace is veryunderserved.
We didn't like what consumerswere given by the roofing
industry and we thought perhapswe could do it better.
We had a different idea abouthow we would want to do that,
what it would look like.
I had years and years ofexperience with my own roofing
company doing all of my work,forming my subcontractor, in
(04:04):
other words.
So I knew a lot about roofing,but I didn't want to do it like
everybody else in the world.
So I didn't want to nail onemanufacturer shingle today and
another one next week and dosomething different all the time
.
It didn't seem like arepeatable, efficient process to
me.
So I started looking at themajor manufacturers and for
(04:33):
years I had used CertainTeedproducts on my construction
projects.
Very good friends with theterritory rep in North Texas at
the time Started asking a lot ofquestions, really digging and
comparing the major roofingmanufacturers in North America
in terms of what their productofferings were.
What is their R&D?
How much money and effort dothey put into being cutting edge
?
Where are they in thedevelopment of new products and
(04:54):
technologies that are bettergoing to serve the marketplace?
How do they support theircontractor network?
What do their credentialing andeducation programs look like?
Certain Teeds is one that youcannot buy your credential.
You actually have to earn yourcredentials with CertainTeed.
So I liked that and it gave usa starting place to get into
(05:17):
building systems.
Roofs that's a whole bunch ofcomponent parts that are all
manufactured by one manufacturer.
In other words, you don't havea bunch of finger pointing if
something goes wrong.
If you've built a system's roofand it's all CertainTeed, then
CertainTeed can't point a fingerand say oh, that's somebody
(05:38):
else's ice and water, that'ssomebody else's underlayment or
that's somebody else's startercourse, we're not responsible
for the problem you're having onyour roof to the consumers.
So we settled on CertainTeedand we've been a CertainTeed
only contractor ever since weopened the doors.
We do one thing better thananybody else in the marketplace
does.
We built CertainTeed integrityroof systems and that's what we
(06:00):
do.
That's what we're known for.
Speaker 1 (06:01):
And this is important to your business because it
comes back to taking care ofyour customers.
Speaker 2 (06:05):
Absolutely.
That's where everything startswith us is.
We built our business aroundwhat the consumer's needs are
and how we can deliver to theman experience.
You know, let's admit, inOklahoma or North Texas or the
Hell Belt, tornado Alley,however you want to define that
(06:26):
most roof replacements are beingdone in the context of an
insurance claim, a stormrestoration claim.
So there is a degree ofexpertise and professionalism
that is required to be able tohonor the relationships in storm
restoration, to be able tohonor the relationships in storm
(06:47):
restoration.
In storm restoration, you havea contractual relationship
between a homeowner or abusiness owner who has an
insurance contract on theirproperty and their insurer.
That is a contractualobligation between those parties
.
The insured has duties to theinsurer and the insurer
certainly has duties to theinsurer and the insurer
certainly has duties to theinsured.
What happens in stormrestoration that is really
(07:10):
really ugly, and the part of itthat a lot of people get caught
up in, unfortunately, is wheresomeone is not honoring those
relationships and that someonecould be a roofing contractor,
that someone could be anadjuster, that someone could be
(07:31):
a public adjuster, that someonecould be the insurance company
not operating in good faith,that someone could actually be a
consumer who is not honestlydepicting what their damages
related to that particular stormevent are and who are not
paying their deductible andtaking care of business the way
(07:51):
that they're supposed to.
So there's a whole lot ofparties to that and that's where
it really gets ugly and reallygets messy is when the parties
aren't honoring theirobligations one to the other.
So the way that McRoofapproaches storm restoration,
insurance restoration and wehave all the credentials I'm a
licensed public adjuster but Idon't use that in the context of
(08:13):
my roofing business.
I use that from a notstandpoint to teach and train my
people and to be able to servemy friends in the roofing
industry and their clients whomight need some help from time
to time.
But what we do is we start outwith the idea that we have a
duty and an obligation to amutual client.
(08:34):
When the insured becomes ourclient, they are a mutual client
of ours and the insurancecompany.
We have a duty to the insured,but we have a duty to the
insurance company as well, andthat duty is to accurately and
honestly determine what thedamages related to that storm
(08:57):
event are.
Those damages don't include allthe deferred maintenance around
the house.
Those damages don't include thegarage door that the teenage
son ran into with the bumper ofthe car.
Those damages don't include thefence section of the backyard
that the kids have knocked overplaying ball and things like
(09:17):
that.
Those damages are specificallydamages that are related to the
event that happened, typicallyin Oklahoma.
We're talking about wind, hail,water or tornado or some
combination therein.
So the first thing is is that Ihave to build and have built the
technical competency within myteam to understand what storm
(09:41):
damage is and, more importantlyprobably, what storm damage is
not Okay.
And so when we do an inspection, which is the starting place
for anyone, you know, anyrelationship that we're going to
enter into, the starting placeis what we call a qualified
inspection, and I tell everyoneI say it every week on the radio
(10:05):
, I tell everyone to listen Aqualified roof inspection is not
a roofing salesman telling youyou need to file an insurance
claim.
Okay, very often a qualifiedroof inspection is not a
licensed home inspectorevaluating your roof.
Roofing inspectors havecredentials In our company.
(10:26):
We have.
Our credentials are builtaround a company called Hague
Engineering.
Hague Engineering trains asignificant portion of insurance
adjusters throughout thecountry.
They train damage assessors andengineers and all kinds of
people in storm damageinvestigation.
Okay.
So we kind of build a depth oftechnical competency around the
(10:50):
Hague credentials.
Not everyone can have those.
Someone just coming into thebusiness can't have a Hague
credential but we still use ourcredentials to build that
person's technical competencybecause I have them on the roof.
We call it boots on the roof.
I have them, boots on the roof,side by side with one of my
other Hague certified inspectorsand they're learning every step
(11:14):
of the way what that's like.
They get on the roof with myinspectors, with adjusters, okay
, so they understand what thatwhole process is like.
And then, as we get them to apoint where they have the book,
learning part of it and they'restarting to build the experience
, then we'll let them start togo and do their own inspections,
write their own reports andpresent them to one of us to
(11:36):
review and comment on, and thenfrom time to time say, hey, I
think we need to go back out andget on this roof together
because we're not seeing exactlywhat you saw.
That's how we build thattechnical competency and my
people are not roofing salesmen,my people are solution
specialists.
That's what their title is.
(11:57):
That's how they get compensated.
They get compensated forcreating solutions for
homeowners, business owners.
That doesn't always mean filinga claim, that doesn't always
mean selling them a roof.
There's a whole lot of otherthings that can come into play
in the context of how we rollout storm restoration services,
(12:18):
and so that's a difference, Ithink, in the way that we
approach it, but when it comesto the point of honoring those
relationships the insured andthe insurance company I call it
the edge of the coin.
It's a visual that I've alwaysdrawn for my people.
Our job is to keep that coinstanding on its edge, and if we,
if you saying this to any of mypeople, if you let that coin
(12:43):
fall one way or the other, youhave not done your job.
What does that mean?
It means that you have done anhonest and accurate evaluation
of what the damage is.
You have done an honest,accurate and up-to-date current
price on what the value of thatdamage is, and you have not
asked the insurance company.
When we rewrite the claim, orwe write the claim and send it
(13:07):
to the insurance company, youhave not asked the insurance
company for one dime that theydo not owe.
Okay, that's the edge of thecoin and that's what does not
get honored and respected in thestorm restoration space, and
it's the reason we have thesehuge pendulum swings on how
claims are handled, how claimsare paid.
(13:27):
Okay, it is the insurancecompanies who are getting their
brains beat out.
Believe me, it's the insurancecompany's reaction to their
perception that insureds,contractors, independent
adjusters, public adjusters andattorneys are taking advantage
of the insurance companies.
(13:48):
So you get this huge divide andyou get everybody casting
stones, everybody blamingeverybody else, and we never
really make any progress interms of draining the swamp or
cleaning it up.
Okay, we used to collaborate,excuse me, we used to
collaborate on claims withinsurance companies, meaning
(14:08):
that someone like myself or myson or someone that's got a lot
of experience and a lot ofcredentials and most of my
people at this point in theircareers would get on a roof with
an insurance adjuster.
We would agree exactly what thedamage is.
We know how the pricing isstructured because it comes from
Xactimate, the industrystandard for how insurance
(14:31):
companies price their claims,and so we knew what to expect
and everybody's in agreement andthey would go to their office
or they would send theirphotographs and documentation on
the claim to the back office orwhatever, and in a day or two
the insured would get a claimsummary and it would be almost
exactly what we had agreed toand within dollars of what we
(14:52):
expected the dollar amount to be.
That is not what happensanymore.
Okay, we now go and we get onthat roof with that adjuster and
we agree to what is there andthey tell us what they're going
to do, and it ends up going to adesk adjuster someone in that
back office who looks atphotographs, looks at
(15:15):
documentation, who has neverbeen on that roof, has not put
as on it, okay and they decidethat no, we're not going to pay
for that roof when you'vealready had a qualified
inspector and a qualifiedadjuster on the roof who says in
some cases we've had it wherethey've had a conversation with
the insured before they left,telling the insured that I'm
(15:37):
going to pay for this, this,this, this, this and this, and
that you should get yourpaperwork in a week or 10 days,
and the desk adjuster decidesthat they're not going to pay
for that Sight unseen.
So it's a whole different worldthat we're dealing with now than
what it was before.
So that's the reason that ourtechnical competency and our
expertise in terms of the claimside of things has to get better
(16:02):
and better and better, andwe're starting to use a lot of
different tools.
We're starting to use thingsthat we've never used before.
We are fairly big into dronetechnology.
Now we're using drones, andwe're using drones with AI and
we are literally training the AIto understand what storm damage
(16:25):
is versus all the otheranomalies that could exist on a
roof.
Okay, so it's a process, youknow, and we're getting there
slowly but surely, but ideally,at some point in time we'll get
to a place again where theinsurance companies will be able
to quit spending money sendingadjusters out into the field.
(16:46):
Okay, they pretty much don'tsend adjusters into the field
now.
Anyway, it's typically what wecall a ladder assist or maybe an
independent adjuster.
The days of insurance companieshaving staff adjusters for the
most part is long gone, okay, sotypically we're getting someone
who's not even a licensedadjuster doing what we call a
(17:07):
ladder assist and making thatinitial determination in the
field.
We can do better than that withqualified inspectors, like I
have, and with the AI that we'rein the process of training
right now.
We can do better than whatthey're getting right now, and
they won't have to incur thatcost.
But what's it going to take toget there?
They're going to have to trustthe data that we give them, and
(17:31):
that's the huge divide right nowis there is zero trust.
I get thrown under the bus withevery other roofing contractor
in the country, including theones that are in the
penitentiary.
I get thrown under that samebus by the roofing industry,
regardless of my standing,regardless of my credentials
industry, regardless of mystanding, regardless of my
credentials, regardless of myeducation, my experience and my
(17:53):
reputation, I still get thrownunder the bus by the insurance
companies.
I have a claim right now wherean insurer has been denied three
times twice on aboots-on-the-roof inspection and
a third time with the dronetechnology and the insurance
company has denied the claimthree times.
It's a $10,000 claim.
(18:13):
It's a small claim, $10,000claim.
They've probably spent morethan $10,000 denying it by now
and yet they forced me to haveto go that extra mile, extract
myself from the whole thing formy client.
Tell him I cannot be yourroofer, I will not be your
public adjuster, but I will beyour appraiser and go to the
(18:34):
insurance department and file acomplaint and demand appraisal
on that claim.
Speaker 1 (18:39):
Let's go down the line of building better and
resiliency and better roofingsystems, and all of that for
clients.
Tell me about your process andwhat that looks like.
Speaker 2 (18:48):
Okay, so when one of my solution specialists has
someone that actually has damageand needs a new roof, we're
going to go through that entireprocess, through the insurance
process.
As far as the storm restorationgoes, the first thing that my
solution specialist is doingafter the initial inspection of
the roof itself.
Okay, we're going to look, askfor and look at the insurance
(19:11):
contract.
We want to know what theconditions are.
We want to know how much theirdeductible is.
We want to know whether theyhave replacement cost coverage
or actual cash value.
We need to know if they haveany kind of coverage for
ordinance of law, which is thecode coverage, the things that
will be required to bring theirroof up to the current building
codes that if they don't havethat coverage, that becomes an
(19:33):
out-of-pocket expense for theminstead of from the insurance
company paying for it.
We want to know what theexclusionary conditions in the
policy are, what all theendorsements are and things like
that.
Because I say to my friends inthe roofing industry all the
time how can you recommend tosomeone that they file an
insurance claim when you don'teven know what the conditions of
(19:55):
their policy are?
Ok, you've got to be able toevaluate everything relative to
what a consumer's anticipatedout of pocket is.
So we actually have created andI have copyrighted a a document
called.
We call it Oops, and it is anout-of-pocket scenario and
that's what it is.
(20:15):
And so one of the very firstthings that anyone on my team
does in terms of on the solutionside of things is we sit down
with a client and we show themtheir anticipated oops before
they ever file a claim.
In other words, here's yourdeductible for wind and hail.
Here's your non-recoverabledepreciation.
(20:35):
Here are the code items thatyou do not have coverage for and
we cannot build your roof if wedon't bring it up to the
current code.
Here are the optional upgradesthat you should strongly
consider.
The impact-resistant technology, the fortified roofing system,
things like that Show them anout-of-pocket scenario for them,
(20:57):
so they know, before they everfile that claim, they have been
advised as to what theirpotential out-of-pocket is going
to look like once we get theclaim properly settled.
So it's an educated decisionand, as I just said, when we go
through that oops, we are theneducating and encouraging
everyone that not only are weshowing you impact-resistant
(21:23):
technology and fortified roofingsystems and other
building-better practices likesystems, roofs, enhanced
warranties, all of those kindsof things, that, yes, they have
a dollar cost associated withthem, but I will not refer to
that as a cost.
That is an investment.
(21:44):
It's an investment in theprotection of your home and your
family and everything in it.
It is also an investment in thewelfare of every citizen in the
state of Oklahoma, because yourinvestment in building better
practices is going to come backto everyone in the form of
reduced insurance premiums.
(22:06):
It is critical that people quitlooking at a roof as a commodity
.
Roof is the most important.
Next to the foundation.
The roof is the most importantstructure that there is on your
home or business.
It's what protects you fromeverything that mother nature
can throw at us, and we knowwhat that is in Oklahoma.
(22:27):
Okay, but we have technologiesthat will keep people from
having to replace asphaltshingle roofs every time there's
a nickel and dime hailstorm.
We have technologies that willstand up to, we have systems,
methodologies that will stand upto F1 and F2 tornadoes without
having significant damage.
(22:49):
And if we can do that, if wecan eliminate having to replace
a roof for nickel and dime hailactually, I say nickel and dime
if we can eliminate having toreplace a roof for up to
two-inch hail and if we caneliminate all of the water
damage and all of the thingsthat happens in an EF1 or EF2
tornado, when your roofstructure not the framing, not
(23:12):
the decking, but your roofshingle, your covering comes off
.
If we can keep all the waterout of the structure not the
framing, not the decking, butyour roof shingle, your covering
comes off.
If we can keep all the waterout of the structure, we've
reduced that insured loss forthe insurance company by over
70%.
The roof is easy to replace.
But once you get all the waterinside, now you have to mitigate
mold, you have to remediate,you have to move people out of
(23:34):
their house because it'suninhabitable, you have to
replace all their contents.
They have additional livingexpense.
See how the claim just ticks upand up and up and up.
So if we can keep the roof on,if we can build resilient, if we
can build fortified roofing,then we can prevent a whole lot
of the losses that are takingplace.
I've got shingle technology inthe CertainTeed family of
(23:57):
shingles that I started using inOklahoma in 2018.
So we're going seven, eightyears now.
We have never replaced aNorthgate shingle roof, which is
a CertainTeed, high-end product.
We have never replaced aNorthgate shingle roof for hail
damage Never.
We have never replaced aNorthgate shingle roof for hail
damage Never.
We have just now replaced ourvery first Northgate shingle
(24:18):
roof, and it's because of impactdamage from tornado-blown
debris in the storms down at89th and sooner last November.
We have never replaced one ofthose roofs for hail damage.
Friends of mine in the roofingbusiness say well, I'm not going
to sell people that shingle,you know I'll never get to
replace it.
As their attitude and I go oh mygosh, isn't that the desired
(24:46):
result?
If I could never have toreplace a roof for one of my
clients, that would be perfect.
That would be absolutelyperfect, because I don't have to
worry about where my businessis going to come from.
Our business is built on trust,as you said.
Our business is built on thattechnical competency and the
integrity that we built into ourprocess.
That is all about making surethe consumer is educated.
They may not choose to doeverything that we're suggesting
(25:07):
to them that they do.
They're at least going to knowthat it's an option.
They're going to at least makean educated decision as to what
they can and cannot afford to doin conjunction with the money
that's coming from the insurancecompany their deductible and
whatever else they might be ableto put on top of it, to make
that greatest investment for theprotection of their home and
(25:29):
their family.
And that's what it's all about.
That's how we approach business.
That's why I never have toworry about where my customers
are going to come from.
Speaker 1 (25:42):
I love that.
Yeah, scott, I think it's clearto anybody listening that BBB
Standards for Trust are reallyintegrated into your business,
and how awesome for all the goodwork that you're doing here.
Tell me why that is soimportant, just to you as a
business owner.
Speaker 2 (25:57):
Well, I think that the reason that I wanted to
become an accredited businesswith BBB is I just wanted to
have I really wanted to havemore than the credential.
I wanted to have a process that, if there ever you know
nobody's perfect, you knownobody's perfect, and if there
was something where things wentawry, that I wanted to have a
process that everyone understoodup front and that we could rely
(26:17):
to come to a fair conclusionfor everybody involved.
And that's really that was mymotivation and it was the reason
that I wanted to become anaccredited member of Better
Business Bureau.
Speaker 1 (26:28):
Wonderful Thank you.
I also was poking around onyour website.
You have a lot of resourcesthere.
Wonderful Thank you.
I also was poking around onyour website.
You have a lot of resourcesthere.
Can you tell us a little bitabout what businesses or
consumers who are listeningtoday?
Speaker 2 (26:39):
can find on your website that might be helpful.
Well, I think that they'regoing to find more.
Right now we're in the process.
This is a brand new website, sowe're getting ready to add some
more content to it about someof the specific things the IBHS
fortified program and some ofour certainty offerings.
We're getting ready to launchour solar entry into the
marketplace, which is anothercertainty product.
(27:00):
So there's going to be morecoming, but there are a lot of
resources there.
About vetting a roofingcontractor you go about figuring
out who the good guys are andwho maybe the people you ought
to ask to exit your universe are.
That kind of thing.
So there's information there.
There's great information thereabout some of the technologies
that are coming down the pike.
There's information there aboutthe CertainTeed Northgate and
(27:23):
ClimateFlex modified SBSshingles.
That's the workhorse.
That's what we believe in.
There's a lot of informationthere about systems, roofs,
systems, roofs.
Again, all one manufacturer'scomponent parts put into a
system exactly the way thatmanufacturer wants it installed.
And yeah, I'm a certainty-onlyguy and that's what I believe in
(27:44):
.
That's what we do.
But other manufacturers havetheir system and as long as
you're using all the componentparts and that the contractor
actually is versed in installingit exactly per the
manufacturer's instructions,then I have no issue with that.
It's still better than whatmost people get.
I had a roof the other day andit's a big roof.
(28:05):
It's a $150,000 roof, okay.
And when I was looking at theinvoice from the roofing
contractor who did the roof, youknow, five or six years ago, he
had one company's this andanother manufacturer's that and
he had five or six differentmanufacturers integrated into
this quote unquote roof systemthat he sold this client.
(28:27):
That's not a roof system.
That's a bunch of componentparts that aren't even
necessarily designed to gotogether and will not perform
the way they would have had itbeen a system from that one
manufacturer.
People don't often get what itis.
They think they've been sold.
This gentleman thought he hadbought a systems roof.
Well, he did buy a systems roof, or he did pay for a systems
(28:48):
roof, but he didn't know hewasn't getting a systems roof
when it was being installed.
We have people all the time whosay, well, I bought an
impact-resistant shingle.
Well, I'm sorry, I just gotdone inspecting your roof.
I looked at the backside ofyour shingle and you don't have
an impact.
Well, I paid for one.
Well, you didn't get one, so itis, it is and that's again
(29:09):
that's the reason that peoplereally need to do their homework
.
I tell everyone that will listen, particularly in the roofing
space, generally about peopleknocking on your door, but
particularly in the roofingspace and particularly after a
big storm, there are things thatyou absolutely have to do, and
the first thing you do whensomebody knocks on your door is
(29:30):
you ask them for theirConstruction Industries Board
registration card.
Little, their constructionindustries board registration
card.
Little orange card, littleorange card.
And it has the companyrepresentative not necessarily
the person that's standing infront of you, but it has the
authorized representative onthere.
It has an expiration date on itand it tells you whether they
(29:52):
have a commercial endorsement.
Now most homeowners don't needto worry about that, but
business owners certainly do.
Now they're showing you thatcard.
That's step number one for youto even continue having any
conversation.
But I'm going to give you alittle caveat.
After they leave, you need togo online to the CIB, oklahoma
(30:12):
slash roofers and you need toverify click on the little link,
verify that, that card that hejust showed you that they are
still in good standing with thestate of Oklahoma.
So just because he showed you acard doesn't mean that they're
still in good standing.
You need to go and validatethat.
The next thing you can do is,obviously, you can check the
(30:33):
Better Business Bureau, see whatinformation they have.
If this person, if they don'thave a business card with a
physical address not a PO box aphysical address somewhere
within the proximity of your zipcode, you probably ought to
just ask them to go on someplaceelse.
Okay, if you look out there andyou see their truck, they've
got an out-of-state licenseplate.
Speaker 1 (30:53):
Yeah, be careful.
Speaker 2 (30:55):
Yeah, be careful, yeah.
So there's all these bells andwhistles and things that are
going off.
I tell people all the timenever take a certificate.
Some people will ask someonefor a certificate of insurance.
They've kind of learned, youknow never take a certificate of
insurance from a contractorwho's handing you a certificate
of insurance.
A certificate of insurancecomes to you by email or in the
(31:18):
mail from the insurance companyor from the broker or from the
insurance agent, never somethingthat that person is handing you
, because that may have been avalid certificate on the day
that it was issued and the nextday they were canceled for
non-payment of their premiumsand you think they have
insurance and they don't.
That's a huge risk forhomeowners.
The biggest risk that you havewith a project going on on your
(31:40):
property is someone getting hurton your property and that
contractor not having validworkers' compensation insurance,
not having subcontractoragreements with his
subcontractors and them in turnhaving valid workers'
compensation.
Speaker 1 (31:54):
We certainly don't want that.
These are great tips,especially as we head into storm
season Check with manufacturers.
Speaker 2 (32:00):
Ask them do they have any manufacturer's credentials?
And if they tell you whatcredentials they have, it's real
easy.
You go to the manufacturer'swebsites and it says find a
professional.
You put their name in there.
If they don't populate, they donot have that credential.
I have people all the time thatclaim that they have
credentials that they do nothave.
Speaker 1 (32:21):
Thanks for those tips .
You bet you bet, thanks forjoining us today.
I think below in ourdescription box, our show notes,
we will have all of theresources linked.
I did want to say one morething.
I just love the title of yourblog McBlog, that is so cute.
Speaker 2 (32:38):
Yeah, there are a lot of great resources on anybody
listening.
Make sure to go check it out.
You bet, you bet Absolutely.
And you know my solutions teammy title is Chief Solutions
Officer, my team are solutionspecialists and they exist to
solve problems for the consumingmarketplace.
So that's why we're here.
Speaker 1 (32:53):
Thank you so much for being here.
You bet For all of those whoare still listening and or
watching.
Thank you for listening.
Be sure to connect with McRoof.
I'll have a website.
Social media handles.
Absolutely, absolutely, give mea follow, a like and a share.
We'll see you in the nextepisode, friends.
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