EPS 27 - Roofing

Jerry invites a special guest who talks about the ins and outs about replacing your roof.

💬 Have a question or comment? Contact Jerry here

Episode Transcript

SPEAKER_01 (00:01):
The best things in life are free Your love

SPEAKER_00 (00:53):
Hey everyone, this is Jerry and welcome to the Pink
Money Podcast where we talkabout all things related to
money from a gay perspective.
And today, I have Alex here andhe's with a roofing company and
he recently did my roof and hedid a fantastic job.
And you know, while this washappening, it just came to mind
how little I really know aboutroofing and how complex it can

(01:16):
be.
There's so many moving partsand...
There's so many people that youcan hire or talk to, and you'll
get a million different answers.
And I think one of the bestthings about me running into
Alex is that he did such afantastic job explaining things
to me and getting it done insuch a timely fashion that I

(01:39):
said, you know what?
I think a lot of people wouldbenefit by hearing this kind of
information.
So, Alex, I really appreciateyou coming in today and spending
the time to talk about roofing.
Oh yeah, for sure.
Thank you for the invite.
You know, I'm sure that you getthis a lot, you know, where the
homeowner has zero idea reallyhow to get this project moving

(01:59):
forward.
Because to me, I mean...
Anybody can just call upsomebody and say, hey, I need a
new roof.
But are you really doing it forthe right reasons?
And who's actually paying forit?
You, the insurance company?
Who knows, right?
Yeah.

SPEAKER_04 (02:14):
Navigating through the insurance process can be
difficult for some people.
It's specifically on the firsttime.
After the first time you gothrough it, it gets a little bit
easier.
And you live long enough here inAustin, Texas, you're going to
go through it again because weget hailstorms or windstorms.

SPEAKER_00 (02:30):
Well, and I thought that, you know, one thing that
When you told me about yourbackground, that really put me
at ease and gave me peace ofmind because I thought this guy
really knows what he's talkingabout.
So, I mean, that being said,just tell everybody a little bit
about your background.

SPEAKER_04 (02:47):
All right.
I've been roofing since I wasabout 13 years old, growing up
in the business with mybrother-in-law.
Also, I've been an adjuster now.
My daughter's 27.
So 27 years, I actually got mylicense right before she was
born.
So I've been doing therestoration for my company for
23 years now.

(03:08):
I opened my company up in 2000.

SPEAKER_00 (03:11):
Yeah.
So you work wherever you want,right?
I mean, how far out do you go?
Pretty far?
I work

SPEAKER_04 (03:18):
the Williamson-Travis County.
I'm not a storm chaser.
I stay in this area.
I also do new construction work,but I do help a lot of
homeowners navigate thisrestoration process because A
lot of your claims will beshorted by 20%, 30%, if not

(03:39):
completely denied.

SPEAKER_00 (03:40):
That's such a strange thing because, I mean, I
know insurance companies are inthe business to make money,
right?
I mean, I know that.
But what I think makes itdifficult is you don't know
enough to go up against theinsurance companies, and you
don't know what you don't know.

(04:00):
You can put the wrong footforward.
You can just go with what theysay, which is probably what a
lot of people, if they say no,they say no, and you don't think
anything about it.

SPEAKER_04 (04:11):
Yeah, that's actually what's happening.
And there's been somelegislation where, like, your
contractor can't interpretpolicy verbiage.
And the insurance companies didthis on purpose.
See, the contract is between youand the carrier, not you, the
roofer, and the carrier.
So the carrier is alwaysresponsible to you.
However, when you don't knowwhat questions to ask, yeah,

(04:34):
they're going to pull the woolover your eyes.
A lot of people go, oh, this guyis, how can he say that they're
going to pull the wool over youreyes?
Look at your own claims.
A lot of you guys out there thathave already had some claims,
How many of you come up...
As a matter of fact, if you canwrite in to Jerry and let him
know, hey, they didn't pay meproperly here or they shorted me
or I was having an issue withgetting paid properly.

(04:57):
You guys are going to besurprised.
It's going to be about 90% ofthe people.
That's what's going to happen.
Maybe even higher.

SPEAKER_00 (05:02):
That's so crazy because I guess you...
you think that they're going tobe in your corner and be on your
side and that they aren't goingto, I don't want to say rip you
off, but they're not as helpfulas you would say.
It

SPEAKER_04 (05:15):
is ripping you off because the bottom line is, if
you ever notice that aroundstorm season, you're in good
hands, we're there for you.
Every single one of theinsurance carriers will start
advertising on TV right beforestorm season because they want
you to feel that they are onyour side.

(05:35):
But then when it comes down tobrass knuckles and you put in a
claim, no, they'll tell you notenough damage or they missed it.
You want to go over whathappened with your situation?
Yeah.
Your roof is pretty old.
You had some wind damage.
And they try to tell you that itwas only a small repair.

(05:58):
But you've actually also had oldhail.
That adjuster that came out hereto inspect your roof, not only
was he supposed to come and lookfor the wind damage, he should
have looked for, is there anyadditional damage here that
incurred?
The homeowner doesn't know.
Well, guess what?
Yeah, he's got hail damage.
It took us, what, a month, twomonths, a couple of months?

SPEAKER_00 (06:18):
Well, the damage happened in April.
Right.
And it got fixed in July.
Right.
There you go.
Part of that was because I wentout of town, but we had it all
in the works.
Yeah, but that was like a coupleweeks.
But I'm saying from the initialdamage where I reported it to
the insurance company until youcame along and fixed it, that
was months.
Right.
Well, they were

SPEAKER_04 (06:39):
telling you that your damage was less than your
deductible.
Yeah.
And then we inspected, tookpictures, submitted it to the
carrier.
And voila, all of a sudden, yougot a whole roof that needs to
be replaced, which they shouldhave done so at the beginning of
the claim.
But if we wouldn't have met,you'd be in the position to

(07:01):
where, like, what a lot of, andI know I'm skipping up a little
bit here, is a lot of carriers,once they see a claim that comes
in, then there's a ticker thattakes place.
I'm not going to tell you, but,you know, your roofs start
getting 15, 20, and 25 yearsold.
They're sending out lettersadvising people, You either fix
it or we're taking the coverageoff the roof itself.

(07:22):
Wow.
And if you have a situation likeyours where you had to pay for
your own repair because it wasless than a deductible.
Right.
But they see that it's about a15, 20-year-old roof.
Next year or in a year or so,they send you a letter.
You got to pay for it out ofpocket.
It's$18,000 out of your pocketor you don't have the coverage.

SPEAKER_00 (07:43):
That's crazy.
And, you know, somebody...
I think it was maybe Bruce whotold me that, or maybe you told
me, that they're starting tochange the coverage without
really telling you what thatmeans.
Like, there's a replacementvalue, and then there's the...
The actual cash value.

(08:04):
Yeah, thank you.
That's what I was thinking.

SPEAKER_04 (08:05):
You've got one carrier.
It's specifically the ones thatdo...
You've got to be careful whenyou're dealing with all your...
Information coming inelectronically.
Like Amica, they send out aletter stating, hey, we're going
to change your policy to anactual cash value policy, not a
replacement cost policy, whichmeans anything that we

(08:28):
depreciate, it's gone.
It's over.
It's not a recoverabledepreciation.
And if you don't respond to thisletter, that means that you're
okay with it.

SPEAKER_00 (08:40):
So let's say, are you saying like your roof is
valued at, let's just say$30,000, and it's depreciated to
$20,000?
No,

SPEAKER_04 (08:49):
it's heavier because you're going to be hitting over
50% depending on the age.
Okay, so let's call it a$30,000roof, and they depreciate it
down to$15,000.
That's$15,000.
It's going to come out of yourpocket.
And let's say on that$15,000,you still got a$5,000
deductible.
Your$20,000 in the insurance isgoing to pay$10,000.

(09:11):
Because you didn't understandwhat your email actually meant,
that they were going to changeit to an actual cash value, an
ACV policy, which is thedepreciation is gone.
It's not recoverable.
And a lot of people don't speakinsurance, in other words, like

(09:32):
I do.
Well, do you have any recourseif that happens to you?
No, because the email willactually state, this is what
we're doing.
If you don't want this, call us.
You don't understand what it is.
It doesn't make sense to you.
You don't respond.
But the email will actually say,if you don't mind about this, do

(09:53):
not respond.
And your premium is going tochange to this, which it means
it's going to go down becausenow you're taking a bigger risk
than they do.
Well, heck, my price is goingdown per month.
I'm good to go.
You don't respond to the email.
And that's what's happened tosome homeowners because they
didn't know.
However, one in particular, sohappened he had the resources to

(10:16):
make up that difference, and wegot him fixed up.
But he turned around and changedhis policy right after that
claim.
Oh, wow.
So you

SPEAKER_00 (10:23):
can go back to...
Replacement value.

SPEAKER_04 (10:26):
Yes, you can get it changed over, but that claim,
once that claim is in, thatclaim he had to pay is
deductible, which was huge, andall of the depreciation.
So he paid, I want to say, about85% of the claim instead of the
other way.

SPEAKER_00 (10:40):
I guess some money is better than no money, but
it's all out of your pocket,really.

SPEAKER_04 (10:45):
Right, I mean, he was hot, and he's a techie, but
he just didn't respond.
It went over his head.
So bottom line there is read

SPEAKER_00 (10:55):
your mail.

SPEAKER_04 (10:56):
Read your mail, and if you don't understand it, call
your agent.
You don't have an agent?
Call the carrier.
Hey, what's going on?
What's this happening?
As a matter of fact, everybodyshould have a replacement cost
policy on their home, even ifit's paid off.
Because, guys, if you change it,if it burns down, all that

(11:16):
investment is gone by howeveramount of money the carrier
decides to they're going todepreciate it by.

SPEAKER_00 (11:25):
So let me throw this at you.
So let's say you buy an existinghome, and it has the inspection,
and they pass inspection.
You get financed, and you movein.
And let's say there's a storm,and there's some damage.
You have the roofer guy comeout, takes a look, and says,

(11:46):
hey, you need a new roof.
Will their insurance company payfor the new roof even though
there was really damage thathappened before that?
Well,

SPEAKER_04 (11:56):
that's the thing,

SPEAKER_00 (11:57):
though.
Every time

SPEAKER_04 (11:57):
you buy a new house and you put a policy on it, the
carrier is going to send outeither one of their adjusters or
somebody's going to go out thereand inspect it to make sure that
there's no pre-existing damage.
Now, if the carrier decides toforego that inspection and then
a storm comes through anddamages it, it's all theirs.

SPEAKER_00 (12:17):
Okay.
That's on that.

SPEAKER_04 (12:19):
Right.
They were the ones that weresupposed to have sent somebody
to look at it and see thateverything's good to go.

SPEAKER_00 (12:26):
Okay.
So I guess because somebody toldme that that's what happened
with a friend of theirs.
She bought a house.
That's exactly the situation.
But they said, you know, I don'tknow if the story's 100% true,
but they replaced the wholeroof.
So I was thinking, well, if thatdamage was done before she moved
in, you know, maybe they wouldhave rejected the claim had they

(12:49):
known that, I suppose.
Right.
If

SPEAKER_04 (12:50):
they would have gone and inspected, they would have
advised, okay, we're going toput a policy on the house.
However, the roof is going to beexcluded until you replace it
because technically it should bereplaced as damage on there.
And if she hasn't bought it,that should have been caught
when she paid the, I think it'slike$600 for an inspection.
Right.
That inspector should haveinspected that roof and it would

(13:12):
have gone on the prior orderOwner's policy.
Ah.
Because it's during their policyterm.
They could have made a claim onit, whatever deal they needed to
work out, but that deductiblewould have to be paid, and they
could have gotten another roofdone, a roof replaced, but under
that policy from the priorowner.
So always get your inspectionsdone.

SPEAKER_00 (13:33):
I thought one of the interesting things that you guys
did, which I had, you know, allthis was new to me, but you guys
had gone up on the roof and drewthe circles and you poured the
water up there.
And I just thought that wasreally enlightening because, you
know, looking at the roof, myroof was basically black.
I mean, I couldn't see anything.

(13:55):
Right.
It's a little difficult on the

SPEAKER_04 (13:57):
darker roofs.
So when we pour water on anolder roof, because basically
what happens is when hell,excuse me, when hell hits your
shingle, It hits the shingle,and the little granules, the
colored granules, get embeddedinto the asphalt.
Or they get loosened up andknocked off, and then the felt,

(14:19):
the actual base sheet of theshingle, gets torn.
Well, let's say they don't getknocked off, but they get
embedded.
Well, with the rain, it knocksthose off, and then what happens
is that black is a real darkblack.
Or say what they can't see here.
It's a real dark, pretty shinyblack, let's just say, right?

(14:42):
Well, within a week to twoweeks, that black actually turns
like a grayish black, like whatthe street looks like.
It's got that little grayishlook to it.
So when you pour water on ablack roof, that grayish part
turns super black.
And then you'll be able to seeall of the hail hits better.

(15:02):
It's just one of the tricks thatan old adjuster

SPEAKER_00 (15:05):
taught me years ago.
Well, when it hails, I mean, canany hail damage your roof or
just big hail?

SPEAKER_04 (15:12):
Well, it's an industry standard that they
know.
This is through HagueEngineering, which they write
the Bible, basically, on haildamage, right?

UNKNOWN (15:23):
Right.

SPEAKER_04 (15:24):
P-sized hail within 60 seconds will cause a million
dollars worth of damagethroughout an area.
Because what it does, itdegranulates the roof.
It's like taking sandpaper andtry to sand something that's
harder.
It's like you use it on metal,and the metal's super hard.

(15:45):
Your granules come off, and nextthing you know, all you have is
paper.
So it degranulizes.
It does that same thing.
Now...
You get a 15-year-old roof or a20-year-old roof, but you got
hail that's about the size of aquarter.
Right.
That's what we have here.
It'll damage it because it's oldand brittle.
It doesn't have any flex to it.
But you have a roof that's, say,a year old or less because it's

(16:08):
more pliable, that quarter sizehail may not damage it.
Though you'll see some hits, butyou won't see the hits that the
carrier wants.
You know, they want 8 to 10 hitsper slope in a 10 by 10 area to
determine, you know, what'sbeing damaged.

SPEAKER_00 (16:23):
And why is it that it's 10 by 10?

SPEAKER_04 (16:27):
You know what?
In order for it, I ought to lookit up and just read it for you.
I'll get back to you on that.
And just that's their way ofdetermining, okay, because a
square is a...
It's a hundred square feet.
So it's a 10 by 10 area.
So what they're basically doingis an average, a whole roof.
So they do eight to 10 hits on atip.

(16:48):
So that means there is one hitfor every 10 square feet.
So that's how they determine.
And

SPEAKER_00 (16:55):
so if you have that in that particular area, then
they're saying, well, this, eventhough this is a sample, this is
representative of what'shappened on the entire roof.

SPEAKER_04 (17:06):
That's what's represented because they're
going to go Northeast, South andWest.
So that's for the, let's justsay you do that on the West side
slope.
That's right on a 10 by 10 area.
You got 10 plus hits.
That's for that whole West side.
Then they'll go to the Eastside.
Okay.
On that East side, you got ninehits.
So that's going to berepresentative of that.
So you're, you've already toldthat's enough to total those two

(17:29):
sides.
And then you look at the othertwo.

SPEAKER_00 (17:32):
So what you're saying then is each side of your
roof could have different,amounts of damage, but it has to
meet this certain standard inorder to replace that entire
side.
Correct.
And so you could end up withhalf a roof new and half a roof
old?

SPEAKER_04 (17:52):
Yeah, you can because some of the carriers
specifically now, they're doinga lot of that.
I'm seeing it.
It's gotten worse because whatthey're doing is they're trying
to slope out.
I had one with Allstate.
Well, they tried to slope aroof, but this roof is probably,
it was about 18 years old.
And I couldn't do a repairbecause the pliability of that

(18:15):
shingle was, the shingle was sostiff.
Every time you lifted up ashingle, it broke.
So you caused more damage.
It wasn't repairable.
But it also had additional hailthat the adjuster, for some
reason, missed.
We took pictures, sent it intothe carrier, and they actually
ended up replacing that roofalso.
Wow.

SPEAKER_00 (18:34):
But only because you were able to demonstrate that
these are the reasons why itneeds to be done.
Right,

SPEAKER_04 (18:39):
because they want to see that the water shedding
capability of the roof has beendiminished to where it needs to
be replaced.
And they want to mitigate theirdamages that they're going to be
paying out.

SPEAKER_00 (18:47):
Well, it seems to me, I mean, that if let's say
they did that half and half,yeah, you just, even though you,
from the insurance company'sperspective, you save money, but
on the other hand...
That other side is probablygoing to go sooner or later,

SPEAKER_02 (19:03):
right?

SPEAKER_00 (19:04):
Because it's older, and like you said, it's brittle.
And, you know, maybe they'relike, well, you know, it saves
us money this year.
But you're probably going toreplace that again at some
point.

SPEAKER_04 (19:14):
Oh, yeah, because in Texas, it's not like in
Minnesota where you have a– thatyou've got to match it so that
it looks pleasing to the eye.
They don't have that in thepolicy system.
They only owe you for the slopesthat are actually damaged.
But when you get a hailstorm,the rate of the hailstorms that

(19:34):
we get, it's a rarity that onlypart of the roof will get hit
and not the other half.
And a lot of that is justtraining and the way adjusters
are being trained by thecarriers, by the supervisors.
and how they go out there.
They're going to tell you day inand day out that that's not what
they do.

(19:54):
They're there to find the damageand call it what it is.
The bottom line is, I don'tunderstand when they go out and
look at a roof sort of likeyours, and if there's any
ambiguity, they're supposed toside with the insured, not say,
oh, it's not damaged.
Okay, if it's not damaged, wheredid you get the engineering
degree that allows you to saythat it's not damaged?

(20:16):
Then what is it?
Can't see that it's not damaged.
Okay,

SPEAKER_00 (20:19):
what is it?
So the original inspectors whocame out to, I guess, the
adjuster who came outoriginally, does that guy
typically work for the insurancecompany or no?

SPEAKER_04 (20:32):
Well, it depends on the carrier and depends on if
it's a large storm because youhave a lot of captive adjusters
that work for the carrier andthen they hire a third party,
like USAA.
They don't have their ownadjusters.
They use Allcat.
It's an adjusting firm that theyuse to do all their claims for.

SPEAKER_00 (20:53):
So they're working for the insurance company, not
for the homeowner.

SPEAKER_04 (20:57):
No, they work for the insurance company.

SPEAKER_00 (20:59):
Yeah, so they're not really in the homeowner's
corner.
They're in the insurancecompany's corner.

SPEAKER_04 (21:04):
Pretty much, yeah.
You can say that because, youknow, when you have a captive
adjuster that comes to yourhouse and they look at it, that
captive adjuster will tell you,yeah, I see there's...
He's got plenty of damage.
We're going to replace it.
And he'll tell you because he'sa captive adjuster for that
carrier he works for.
So whatever he tells you, it'sgold.
You've got these third-partyguys.

(21:25):
They're going to tell you, well,you know, I've made my
inspection.
I'm going to send it in to thecarrier, and they'll let you
know.
Can you ask for someone whoworks

SPEAKER_00 (21:34):
for the

SPEAKER_04 (21:34):
insurance company to come out and inspect it?
Yeah, you can.
Now, the thing is, do they havethem or don't?
In a lot of the smallercarriers, they won't have them.
They'll have a private adjustingfirm come out.

SPEAKER_00 (21:44):
Okay.
So I guess what I was thinkingis, you know, the one who's from
the insurance company may bemore thorough, but maybe not.
I don't know.

SPEAKER_04 (21:53):
Not always.
I mean, that all comes down to atraining issue.
Okay.
It just depends on how they'rebeing trained.
I mean, that money istechnically yours.
Your claim should be adjustedper code and up to construction
standards.

(22:15):
And a lot of these claims, like90%, are not being adjusted that
way.
Because there's times thatcarriers will tell you they want
you to remove and reset a vent.
When all of your vent companies,like Lamanco, GAF, they have
technical white sheets that tellyou, do not reuse our vents.

(22:37):
Once you start turning them offwith these pitchforks, those
flat bottoms are no longer flatanymore, and they can cause
leaks.
And that's why they don't wantyou reusing them because it's
going to cause a leak.
Okay, who's going to beresponsible for it?
The roofer,

SPEAKER_00 (22:51):
the roofing company, or the carrier?
Well, that kind of reminds me ofwhen, like if you were to go up
there and, like in the case withmy claim, it was a small area.
It, according to them, couldhave been repaired.
If I would have gone up thereand repaired it myself, or so I

(23:13):
thought I did, which I probablywould have done a crappy job
because I don't know what I'mdoing, then that could leave me
exposed to future claims beingdenied because they're saying,
well, why did you do it?

SPEAKER_04 (23:25):
Yeah, exactly.
And if you're not used to it, ifyou notice how Bruce was walking
on your roof, and your roof isreally not, well, to us it's not

SPEAKER_00 (23:33):
steep.
To me it is.
Anybody else that's not

SPEAKER_04 (23:36):
used to it, it's going to be, and then it was
older, and those granules arejust sliding, they're breaking
off.
underneath your feet bottom lineis if you're not used to it
don't get up there don't try todo the repair it's going to cost
you more money if you slide offhave to go to the doctor or if
you don't do the repair properlyand we get a storm and it blows

(23:57):
it gets it worse now you'regoing to have damage inside

SPEAKER_00 (24:01):
so i don't know if you because yeah i don't think
you were you didn't get up thereon the roof yourself and do the
tearing off and putting on but iwas going to ask you The repair
job that was done, not by me,but somebody else, do you have
an idea of what degree it wasdone well or not well?
No idea.

(24:21):
Yeah, I was just curious.
Because, like, in that case,someone did the repair job, but,
you know, I don't know how wellthey did it.
You know, could it have been agood job, bad job?
I don't know.

SPEAKER_04 (24:31):
As a matter of fact, I mean, it shouldn't have been
done.
It should have just been coveredup with the tarp, if anything.
But I do understand there wasrain coming in, but...
it is what it is at this point.

SPEAKER_00 (24:42):
Yeah.
Yeah.
Well, it's looks great now.
And you know, that was anotherthing that threw me for a loop
was, and you know, when Istarted getting estimates
originally, they have people,the rovers came in and said,
well, you have a three tab roofand they don't make that
anymore.
You know, it's being phased out.
You really, this is what youneed in an architectural roof.

(25:04):
All those terms are, flew rightby me because I didn't know what
anybody was talking about.
I had never even heard that termbefore.

SPEAKER_04 (25:12):
Yeah, the shingle that you had on there was a
three-tab, 20-year shinglethat's no longer made, but they
do make a three-tab and a25-year shingle.
However, these winds that we getthrough here, you'll end up
having more wind damage.
This roof that you have nowthat's an architectural or
dimensional shingle has a higherwind rating.

(25:32):
It's made by GAF.
It's an HDZ.
And it has, I believe, for thefirst five years, an unlimited
wind coverage on it.

SPEAKER_00 (25:42):
Meaning it shouldn't blow off is what you're saying.

SPEAKER_04 (25:45):
They say they have an unlimited wind mile per hour
coverage on it direct from themanufacturer.
Oh, and this isn't beingsponsored by the manufacturer.
No.
I just pulled it off rightthere.
That's one of the manufacturersI like to

SPEAKER_00 (26:00):
use.
So you would think that theinsurance company then would
want you to have that kind ofroof because the potential of
having those kind of claimswould be diminished.
Yeah, but they're not going topay for that upgrade.
That's your deal.
But if they don't make...
3Tab anymore, or is 3Tab not upto code anymore?

(26:21):
Well, let's

SPEAKER_04 (26:21):
put it this way.
If 3Tab gets phased outcompletely and then there's a
claim, all your policies, themajority of your policies,
especially on the replacementcost policies, there's a code
upgrade.
All homeowners should bechecking into that with their
agents to make sure they gotcode upgrade.
And that usually is about$20,000in coverage for any code

(26:43):
upgrades that need to take placeduring any kind of an insurance
claim type issue.
So like on the roof, let's saythey don't make three.
The manufacturers decide tophase it out.
There's no more three tabs.
Well, they got to move you up tothe dimensional shingle the
carrier does because it's partof that code upgrade

SPEAKER_00 (27:06):
that goes on the policy.
I mean, are you still doing anythree tabs or you just say, no,
we don't do that anymore?

SPEAKER_04 (27:13):
I've done, oh gosh, it's like a handful.
Okay.
Like the last five years.
I help people upgrade to abetter shingle.
I haven't done.
I haven't done.
Gosh.
I think the last three.
The last three tab was about amonth ago.

(27:33):
Oh,

SPEAKER_00 (27:33):
okay.

SPEAKER_04 (27:34):
Yeah.
This year.
That's only one.
And we're in September.
Did they want it?
Or they, you just.
They didn't want to.
They didn't want to pay thedifference for the upgrade and.
They didn't want to deal withthat.
It's a good possibility.
They want to get rid of thehouse.
I don't

SPEAKER_00 (27:49):
know.
Okay.
Okay.
So when you have the differencebetween the two, obviously the
dimensional roof is better.
Yeah.
Is it because the material'sbetter?
The material's better.
It's a different

SPEAKER_04 (28:02):
cut.
It's a thicker shingle.
It's got a better warranty onit.
It's got better curb appealalso.
It takes your house from sittingway back, and it pulls it up to
the curb as you see on yourhouse.
Now, when you drive by it andyou see it, it's all roof.

SPEAKER_00 (28:16):
What about the...
I mean, in most neighborhoods,all the roofs look alike for the
most part.
That's probably due to theirHOA, but what if you...
Wanted a metal roof.
In fact, I read somethingsomewhere.
I think this somebody had moveddown by the coast.
I'm not sure if it was Texas orsomewhere else, but they were

(28:37):
told, I think by their insurancecompany, they had to go to a
metal roof, a metal roof.

SPEAKER_04 (28:44):
That's a possibility because your winds are coming in
faster on the coast, so there'snothing stopping that wind as
it's coming up.
So you can get a better windrating on a metal roof depending
on how it's installed.
But a metal roof is much moreexpensive than an asphalt

SPEAKER_00 (29:01):
roof.

SPEAKER_04 (29:01):
And I would think a lot noisier.
I don't know.
Yeah, it is.
I mean, a lot of the guys thathave probably lived out on a
farm, I can remember at nightwhen it starts raining, just...
You get used to it.
But, yeah, it's a little louder.
Okay.
You got to get a better...
You got to change yourinsurance, though, when you go
from an asphalt to a metal roof.

(29:22):
Because on a metal roof, if youget held on it and you don't
have an endorsement forappearance, and it looks like
they...
Somebody shot it with theshotgun.
It looks like the cars when theyget hail damage.
They don't have to replace it.
Really?
Right.
Because they're going to saythat where it clips on, that

(29:44):
that area had to have beencrushed to where water can
infiltrate the envelope.
and they just won't replace it.
So it's always, it costs alittle bit more money, but if
you get a metal roof, get theendorsement, an appearance
endorsement, so that they canreplace it for you.

SPEAKER_00 (30:00):
So when you're talking about your insurance for
your roof, do they all have windand hail, you know, acts of God
kind of damage, or do theyexclude certain, you know, types
of damage caused by certaintypes of weather?

SPEAKER_04 (30:17):
Well, no, see, your...
Your agents, your area agent, sowe're talking to Texas only,
right?
So your agent here in Texasknows we get hail and we get
high winds, so they're going tomake sure you have that on
there.

SPEAKER_00 (30:30):
Your

SPEAKER_04 (30:30):
policy.
On your policy.
And I know we're talking aboutjust roofs, but the bottom line
is when it's raining outside andit's storming and the winds are
blowing, If you got water comingin, it is the number one
important thing that, oh, mygosh, why didn't I take care of
this sooner?
It becomes a big issue in a veryquick way when the storms are

(30:55):
coming in.
So, yeah, the number one thingthat's protecting everything
inside of your house, guys, it'syour roof.
Nobody thinks about it until astorm comes by or shingles are
blown off or you

SPEAKER_00 (31:08):
got a leak.
Well, because...
You found, what is it, you callit the underline?
Underlayment.
The what?
The

SPEAKER_04 (31:16):
underlayment.

SPEAKER_00 (31:17):
Yeah, is that the wood part?

SPEAKER_04 (31:19):
Well, your decking.
Yeah, that is part of yourunderlayment also.
Well, it's actually your deck.

SPEAKER_00 (31:25):
And if, because it's the, I'm probably going in the
reverse order, but it's theshingle on top, and then you
have plastic.
A synthetic underlayment thatlays on top of the deck.
Okay.
Okay.
And the deck is the wood.
The wood.
And underneath the wood isnothing.

SPEAKER_04 (31:45):
Underneath the wood, you have your rafters or your
trusses.
And under that, then you haveyour insulation.
But if that water makes itthrough because it wasn't done
right, all that underneath isgoing to get wet.

SPEAKER_00 (31:58):
Yeah.
And that underlayment, isthat...
I mean, when I've seen it, itkind of looks like plywood, but
I don't know.
Probably not plywood.
I don't know what it is.
You're talking about like thedeck?
Yeah, the deck.
Pardon me.
Yes.
The

SPEAKER_04 (32:11):
deck

SPEAKER_00 (32:11):
is plywood.
Oh, it is plywood.

SPEAKER_04 (32:13):
Yeah.
It depends on who the builderwas.
They either use literal plywoodthat are plies.
A lot of your builders are goingto an OSB, which is all the
shavings that have beencompressed and glued together to
make your deck, your decking,which is like your plywood.
And then on top of that, you putyour underlayment.

(32:36):
Back in the day before World WarII, they didn't even use
underlayment.
You just put the wood shingleson top of lathing, which were
1x3s that were spaced out.
And every time it rained, thatwood would swell up and keep the
water from coming in.
It would drip a little bit, butthen it would stop immediately
as it would swell up.

(32:57):
World War II, when the guys werecoming back home, and you got
all these houses that were beingbuilt, They'd have a deck on,
and then they would come in andput all the drywall inside.
And next thing you know, they'dhave a rain, and it's like all
this drywall just went bad.
It's wet.
Yeah.
So that's when they came outwith black paper that saturated

(33:20):
in asphalt.
Oh, okay.
And it was designed to basicallydry in the house.
Dry in the house, and if any ofyour shingles flew off, if that
felt paper was still there, itwould keep you dry until it
would blow off.
Mm-hmm.
Now, because of the chemicalsthat they put in the woods,
that's what keeps the shingletouching that chemical and being
damaged.

(33:41):
But now we're not even using alot of...
99% of your roofers are not evenusing asphalt paper to put as an
underlayment on the deckunderneath your shingles.
We're all using syntheticunderlayment, which is better
for the homeowner because ifpart of your shingles come off,
you've got a syntheticunderlayment that'll still

(34:02):
hold...
and not blow off or get torn offbecause your paper, you'll just,
it's paper, saturated inasphalt, it'll tear real easy.

SPEAKER_00 (34:10):
Interesting.
Well, again, I keep going backto, you know, your insurance
company.
I would think they would be veryhappy with you that you've
upgraded to new technology andnew construction techniques,
which are up to new code.
So the likelihood of thingsgoing south are, again, reduced
substantially.

(34:30):
Yeah.

SPEAKER_04 (34:30):
Right, and it does happen, but they're not going to
pay for that upgrade for you.
You've got to come out ofpocket.
So the next time there's a stormlike on this one, they're going
to have to pay you for adimensional shingle and all of
the extra stuff that I put onthere, like the ice and water
show and the valleys and aroundyour pipe penetrations.
I over-engineer these roofs sothat I can sleep like a baby

(34:52):
when the storms come through.
I don't even worry about it.
I sleep sound.
Me too.
Yeah, because the bottom lineis, you know, you've got guys
that– Don't do this kind ofstuff.
And they're like, oh, shit,there's a storm coming in.
And they're worried.
They're up all night becausethey know what kind of work they
did.

SPEAKER_00 (35:09):
But even though a new roof is put on, that doesn't
mean, however, that you cannotsustain damage that requires you
to have a roof replaced again.

SPEAKER_04 (35:20):
That is correct.
Like in the Dallas-Fort Wortharea, they get storms up there
because that's just the areathey're in.
I mean, they get storms everyyear.
I mean, there's some people outthere that get their roofs done
once a year.
The carrier cannot cancel yourpolicy because you're making
these claims because, by lack ofa better way of putting it, it's

(35:41):
an act of God, and they're notgoing to cancel you.
They're going to pay everysingle time.
So if you get held every yearand it's baseball size and it
damages it, guess what?
You've got a$2,000,$3,000deductible.
You're going to pay that everyyear, and they're going to
replace your roof every year.

SPEAKER_00 (35:57):
This is what it is.

SPEAKER_04 (35:58):
It is what it is.
Interesting.
A lot of people, because I geton a lot of houses where people
go, well, it was just smallhill.

SPEAKER_00 (36:07):
Yeah.

SPEAKER_04 (36:08):
Yeah.
It's a real small hill.
Then I get up there because theycall me about a lake.
And I'm like, you got hellthroughout this whole thing.
Because you got to look at it ontop.
It's sort of like on a dirtycarpet, right?
Yeah.
You clean it and you put soapdown, but you don't take all the
soap off.
And it'll get like a littlegrease mark, right?

(36:29):
But when you're far away fromthat grease mark, you can't see
it until you're right up on topand you're looking straight down
at it.
It's the same thing with hell.
And then if that's not whatyou're used to looking at, your
roof can look fine.
I mean, from the bottom.
Because when I looked at evenyour roof, from the ground I
look at it, I'm like, looksgood.
Not until you can get up andit's like you're looking at it

(36:51):
from...
I couldn't get up at the time.
You had a broken foot, so I waslooking at it from the ladder,
but I was above it.
I go, okay, here's the hail.
I mean, right here over yourgarage, I was just pointing it
out.
I could see it.
And a lot of homeowners, thesmall quarter-sized hail comes
two to three times in a periodof three to four years or maybe

(37:12):
five years.
They get too old, your insurancecompany will tell you, sorry,
it's wear and tear.
Have a nice day.
You get to pay for it.
Every time there's a storm thatcomes through, it is advised to
call your carrier regardless.
So you made your claim.
They deny it.

(37:33):
You pop a leak.
Now, wait a minute.
How did this thing leak?
If it wasn't leaking prior, whatcaused the leak?
Is it from old hail damage thatyou guys denied that said that
wasn't enough?
Well, the proximate cause was adenial.
So you want to tie it back intothe carrier.
So

SPEAKER_00 (37:51):
if they go up and they say, hey, it's leaking
because there was hail damage,but you never took care of it,
so that's your fault?
Yeah, because you never made a

SPEAKER_04 (38:00):
claim.
But if you got documentationthat you made your claim, but
they denied you, guess what?
They're the ones that are on thehook because you made your
claim, you're denied.
Case in point, my sister inLubbock, that's what happened to
her.
And I'm a roofer.
She never mentioned anything tome.

SPEAKER_03 (38:18):
So

SPEAKER_04 (38:18):
I went there and I could feel the mold.
Called the carriers like, hey,got some issues here.
They said, well, they finallyagreed to pay for the roof.
And then they said they weren'tgoing to pay for all the
interior damage.
I said, no, no, no, hold themup.
You're going to get a supervisorand start pulling all these
claims.
My sister had it documentedwell.
They paid for over$30,000 worthof interior damage.

(38:40):
Oh, wow.
Because they were denying herclaim.
So the proximate cause was adenial that they said wasn't
hail damage, but they still saidit was hail damage from back
then.
So it was all tied in, and theypaid for it.

SPEAKER_00 (38:55):
It's so crazy, like I said, because I guess you feel
like you're doing the rightthing, but sometimes you're
like, well, you know, itdoesn't...
I guess you don't think thatit's probably doing that much
damage, so you don't think toomuch about it.
You know, it's not leaking, soyou don't think that probably it
has really sustained a lot ofdamage, where...
What do you know?

SPEAKER_04 (39:14):
Well, check this out.
Let me cut you off on that one.
Let's do this.
You're saying, it wasn't thatmuch.
I'm not going to call theinsurance right now.
Okay.
Miss that monthly payment.
Ah.
What happens?
Yeah, they cancel you.
Right.
And you're screwed.
Now you've got a lapse incoverage.
Now you've got to go look foranother carrier, but you've got
a lapse in coverage.

(39:34):
Now your premium goes up evenhigher because you had a lapse
in coverage.

SPEAKER_00 (39:38):
Yeah, no doubt.

SPEAKER_04 (39:39):
Yeah, you don't want to have a lapse in coverage.
So, yeah, trying to be the niceguy to the carrier.
And I might be a little jadedbecause I see homeowners not
being treated like they shouldbe because you see all the– All
of the commercials, we're herefor you.

(40:01):
You got my homes.
You got all these guys that areendorsing them.
And the policy, in essence, saysthis is what we're going to do
for you.
If you pay me this amount everymonth, if there's an issue,
there's a claim, we're here.
They got their two hands puttogether and they're cupping and

(40:22):
you're right in the middle ofthat, baby.
We're going to take care of you.
But then the claim happens.
They say, no, only a part of it.
Or, no, there wasn't enoughdamage.
But then you got two, three,four roofers to come and say,
hey, buddy, what's wrong here?
This is terrible.
How could they miss somethinglike this?

(40:43):
That's what happens.
really angers me carriers whenthey send your their paperwork
to you about a claim one ofthose pages it talks about they
tell you if anybody herecommitting fraud you're gonna go
to jail this is what's gonnahappen to you well when it isn't
it really kind of like reversefraud when they're telling you

(41:03):
yeah not enough damage or theyexclude things that need to be
replaced because that commonconstruction practices and they
leave out stuff that's

SPEAKER_00 (41:13):
actually code.
And that's what happened to you.
Yeah.
That you submitted your estimateto them and they wrote or
scratched off half of it.

SPEAKER_04 (41:21):
Yeah, they scratched out half of the stuff on your
policy.
I mean, on your claim.
And it was a desk adjuster thatdid that.
It's an adjuster that whetherit's a female or a male, doesn't
matter what color they are, Noneof that.
They've never been on the roofand actually done the work that

(41:43):
are determining these acts oftaking off items that you've got
to do it.

SPEAKER_00 (41:49):
How can they realistically get away with
that?
You think that that would beillegal, honestly.
I mean, true.
Maybe people do add stuff thatdoesn't need to be there, but
they should know the difference.
I would think they would knowthe difference between this is
required.
This is common everyday stuff.

(42:10):
You know, we see it all thetime, so it's not unusual.
This stuff is excessive.
This is adding on where itdoesn't need to be.
You would think that they wouldknow that, right?
Like when you submitted yourstuff, how were they able to
say, nah, he doesn't need any ofthis stuff.
They

SPEAKER_04 (42:29):
can say that, but I have to prove, okay, here's
construction best practices, andhere's code, and this is what we
do.
Anything I said to the insurancecompany gets done.
Now, there are guys that, peoplethat break the law.
There's people that speed allthe time.
You know, there's people thatdon't buy insurance, and you got

(42:49):
to have at least liability, butit There's always that group of
people that screw it up for therest of them.
Yeah.
So there are roofers that don'tdo certain things.
Well, guess what?
Carrier, then it's your job toactually get it inspected then.
Or if you want pictures as it'sgetting done, I don't have an
issue.
We take pictures.

(43:10):
We show that it's getting doneto prove that it's done.
Yeah.
Because we're not going tocharge more than it needs to be.
in order to get the job right.
But I'll tell you one thing.
If they're missing items, we'regoing to request it, and we
don't move forward until theyget done, that they pay for it.
Because you shouldn't have topay for it.
The only thing you should payfor is your deductible.

(43:31):
That's it.

SPEAKER_00 (43:32):
You know, one of the things that they told me, which
I also found curious, because,you know, even though they said
that they replaced the roof 10years ago, for whatever reason,
I don't remember any of that.
I don't know where I was, what Iwas doing.
Who knows?
But, you know, they did that.
But this time...
You know, when it happened, theysaid, I said, well, I'll go get
three estimates for you.

(43:53):
I guess that's old stuff becausethey were like, no, just go with
whomever you want.
But I had estimates anywherefrom, you know, 30,000 and up,
you know, into the 40s.
And that surprised me that therewas such a huge range.
And it all seemed like they weretelling me the same thing, but
what do I know?
You know, they show you thebooks and they show you the

(44:16):
videos and, you know, they'realways telling you that they're
the best.
And who do you know?
I mean, you don't know.
You don't know if they're thebest or not.

SPEAKER_04 (44:25):
True.
And, you know, with today'stechnology and the amount of
stuff that we have on Google,some of it, you know, it could
just make you dangerous, right?
Yeah.
Enough but not enough.
Yeah.
But once you get through thatfirst stage or the first claim,
then you start to know, okay,these guys are blowing smoke.
But the bottom line is, like me,I use a program called

(44:47):
Xactimate.
It's used by your big carriers.
And Xactimate is priced at themiddle of the line.
Now, for an insurance adjusterto tell you, hey, go get your
three claims.
Well, when you get those threeclaims, I mean those three
estimates, I apologize.
Yeah, they're going to pick thecheapest one.
What did the cheapest guy decidethey were going to do?

SPEAKER_00 (45:10):
And how long they've been doing roofs?

SPEAKER_04 (45:11):
Right.

SPEAKER_00 (45:12):
I don't know.
They'll tell you anything.

SPEAKER_04 (45:14):
You know what?
You could be doing roofs for twoyears, but if you're doing it
right, you're doing it right.
If you're keeping up to code andyou're doing all that good
stuff, that's great, right?
You could be a contractor that'sbeen doing it for the last 30
years, but you're still doingstuff from 1970.
You're not even using today'snew technology when it comes to

(45:34):
putting a roof together anymore.
So, you know, you got that widerange there.
But as long as you got somebodythat you can kind of get in the
middle, you don't need to getyour three instruments.
Tell the carrier to come out, dotheir job, adjust your roof, and
then you can find somebody thatyou trust or ask one of your
friends, hey, who did you usethat you do good with you?

(45:56):
Any of them license adjusters?
Have you dealt with restoration?
I don't want just the salesman.
Right.
I need somebody that has donethe work.
Those are the door knockers.
A lot of them are.
They're just salesmen like me,Bruce.
We've done the work.
I mean, literally done theactual work.

(46:16):
And then when I actually hire asalesman, I get them to work.
Literally.
Literally.
You need to know what you'reselling.
It's like, you're getting onhere.
You're going to work today andwork with the guys.
You're going to learn how totear off.
You're going to learn how to dothe whole job so that you're not
blowing smoke up people's butt.
You're going to know exactlywhat you're doing.

(46:37):
I run the things like I'm stillin the Marine Corps.
So I want guys that know how toactually put a roof together.
So, yeah, you can have a widerange, but the bottom line,
Xactimate will pull you rightback to where you need to be.
When you're having$40,000,$10,000,$15,000, then you got to

(47:01):
determine, okay, well, what am Igetting here?
Right.
Find somebody that's in theconstruction that knows a little
bit about this.
So, yeah, I can understand on ahomeowner.
It's like,

SPEAKER_00 (47:12):
which way do I go?
And if you're paying for thissolely out of your own pocket
for whatever reasons, I mean, Iwould think you're going to be a
lot more conscientious aboutwhat you're paying for because
it's coming out of your ownpocket.
When it's an insurance companypaying for it, you're like,
well, you know.
You guys should know better.

SPEAKER_04 (47:30):
Actually, some of those guys don't even know
what's going on.
I mean, I've had a few retailjobs where I come in and I'm
advising.
It's like, why are they doingthat?
No, you don't need this.
I'm different.
You know, I don't think aboutmaking today's buck.

(47:51):
And I look at, yeah, makingtoday's buck, but I want my
homeowner to call me back 15,like, This storm that I'm
working right now here inAustin, I'm doing houses that I
did over 15 years ago.
Oh, wow.
People are calling me back tocome and

SPEAKER_00 (48:07):
do a new roof for them.
Well, and, you know, I'vereferred you to other people
because of the excellent workyou did and how much effort you
put into it as if it was yourown claim, your own home that
you were taking care of.
That's how I felt.

SPEAKER_04 (48:23):
Well, that's how I do talk to the carrier because
they don't care.
They really don't.
You're not in all that goodhands.
You're only part kind of hangingoff of that.
I need to make sure that you'regetting a quality job because
you got a lot of stuff in here.
We don't want that to get wet.
Then it comes on my insurance,my reputation.

(48:45):
So I need to make sure that it'sdone properly per industry
standards and per code.
And any insurance wants to comeand take a look at it, come take
a look at it.
You'll see that it's all doneproperly.

SPEAKER_00 (48:58):
And if you don't have the right insurance, you
better have enough savings.

SPEAKER_04 (49:01):
Big time.
Because roofs now, I mean, theseroofs, this roof 20 years ago
was probably about$4,000.
No kidding.
Yeah.
These are, what,$15,000,$16,000roofs.
Roofs have gotten extremelyexpensive.
The material and labor hasgotten really

SPEAKER_00 (49:23):
expensive.
Yeah.
I guess, you know, likeeverything, inflation, but
still, you know, it waseye-opening.
The prices I get it, we'regetting were eye-opening.
Yeah,

SPEAKER_04 (49:34):
but you guys make your claim when there's a storm
that comes through.
Call your carrier.
But understand that yourestimate you're getting, it's
going to be shorted.
That's all there is to it.
They will short your claim onmaterial that should be done,
replaced, and replaced.
I got files upon files uponfiles that have, I have the

(49:58):
proof in the pudding that showsthat they short stuff when they
shouldn't have to, theyshouldn't do it, and it
constantly gets done, and I haveto constantly call the insurance
and tell them, no, you need todo this stuff.

SPEAKER_00 (50:08):
So if you were going to hire a roofer yourself, you
weren't doing roofing anymore,of course, you know, it's
different because you know allthe ins and outs, but if that
were the case, what would youlook for in someone who you were
going to hire to do your roof?
somebody that carries

SPEAKER_04 (50:24):
insurance because you don't want the homeowner you
know somebody falls off and theydon't have insurance you know
general liability that's comingoff of the homeowner's policy
okay somebody that has insurancesomebody that's using up-to-date
techniques and prove it to me inwriting okay some kind of a
certification fund tomanufacture like Say GAF.

(50:48):
That's who I use.
No, it's not being sponsored.
But that's the number oneshingle in this area.
That's who I use.

SPEAKER_00 (50:56):
And I actually have.
And they certify roofers?

SPEAKER_04 (50:58):
Yeah, they certify roofers.

SPEAKER_00 (50:59):
That you know how to use their product.
Right.
To install it specifically the

SPEAKER_04 (51:04):
way they want it installed.
Got it.
And I have a book from GAF thatsays this is the way we want it
done.
And that's how we do it.
Why?
Because they have had roofsinstalled since 17, 18...
I forget when the company wasestablished.
I mean, they've taken all thisinformation over millions of

(51:26):
roofs that have been installed,and this is how the best
practice, this is the best wayto

SPEAKER_00 (51:31):
install them.
Is code code across...
I guess I was going to sayacross the country.
I guess it's not.
Code is code across the...
the country

SPEAKER_04 (51:42):
oh it is across the country okay so it just depends
on the municipality which codedid they uh adopt so let's say
williamson county or leanderlet's just say let's call
leander they adopted 2018 codeso that's the code book that

(52:02):
we'll use now A lot of carrierswill tell you, oh, we want to
see that it's being enforced.
That's just for newconstruction.
No, that's for any kind ofconstruction.
That's the minimum.
And they sometimes want to say,like, for a starter, for the
shingle.

(52:22):
Well, we want to see that it'senforced, that you need to have
it.
No, the municipalities willnever go below code.
Any endorsements or any...
Anything they attach, it's goingto be above code.
Does that make sense?
Yeah, yeah.
So it's always going to be alittle bit better because code

(52:43):
always, the IRC, InternationalResidential Code for Single Home
Dwelling, it even tells you,we'll refer you back to
manufacturers because they can'tencompass everything in the
book, right?
Right?
So they can always refer youback to manufacturer

(53:05):
instructions and whatnot.
They're going to give you aguide, but then they send you
back to the manufacturer.
Sort of like, well, on a lot ofyour claims, the guys want to
use reuse vents.
Right.
That's one of my biggest onesthat they want to do.
One, you refer back to themanufacturer, like Manco and

(53:27):
GAF.
They say don't reuse thembecause they can leak.
Number two, rusted metalflashings are not to be reused
per code.
That's in the code.
Well, you can't reuse them.
They have to be replaced.
A lot of carriers want you toreuse them.

(53:47):
I ask them, hey, you want me toreuse it?
Send us a letter that thehomeowner will not be
responsible for another claim oranother deductible.
Any damage that occurs, you'llpay for it.
And guess what?
Me, the contractor, I don't getto pay.
There is no lawsuit against me.
You make no claims.
You don't hold me responsible.

(54:07):
You will pay for all the damage.
Never in 23 years have I had acarrier say, all right, I'll
send you a letter.
It doesn't happen.
Yeah, probably.
They don't want to be on thehook.
No, because they would be on thehook.
And then if I do somethingthat's against code or industry
best practices...
And the homeowner takes me tocourt.
Well, guess what the judge says?

(54:29):
Who's the professional here?
Aren't you the one that's doingit?
Well, why didn't you tell them?
Well, I did.
They just didn't want to do it.
Well, have a nice day.
You get to fix this.
And a lot of roofers out therewill do that kind of stupid
stuff where they'll takewhatever the carrier, like
especially your guys that wearthe carrier.

(54:49):
That's a good one.
I haven't even thought aboutthat one.
It's where they're in thenetwork for USAA or farms and
whatnot.
Well, guess what?
You're not going to bite thehand that feeds you.
Right.
Carrier.
So those guys, whatever thecarrier says, they'll do.

SPEAKER_00 (55:08):
Yeah.

SPEAKER_04 (55:10):
They're

SPEAKER_00 (55:10):
not

SPEAKER_04 (55:10):
doing

SPEAKER_00 (55:11):
what's best for you.
They're doing what's best forthe carrier.
A little bit of a sidebar, butare the gutters considered part
of the roof or no?

UNKNOWN (55:18):
No.

SPEAKER_04 (55:19):
It's part of the house.
Some carriers are doing likeAAA.
They have changed some verbiageon the policy that states like
metal flashings around the pipesand gutters are part of a metal
roof component and they're notcovered.

(55:39):
Oh, okay.
But that's just a play onverbiage that they've come out
with.
Because then you got to get anendorsement to get those paid.

SPEAKER_00 (55:51):
So when you're looking at your insurance policy
and you're looking specificallyat your roof, you want to see
that gutters are included,right?

SPEAKER_04 (56:00):
Right.
And that you got a replacementcost.
It's just like when you buy yourmortgage, you know, you want to
make sure you got a 30 yearlevel, not a balloon.
Right.
So it's a little bit ofinvestigating that you have to
do when you buy your policy andevery time it renews, like even
on my policy.
And I'm a roofing contractor.
My baby renews in June.

(56:21):
I get my policy.
I call my agent.
Dude, we still got replacementcosts on this because I know
every time I call him, thatcall's being recorded.
Yes, pull the policy because Idon't have it with me.
I'm usually driving.
And he tells me, yep, you stillgot replacement costs.
This is what we have.
Okay, good.
Poof.
And I pay the renewal.
Always ask.
Replacement costs.

(56:42):
There hasn't been any changes.
Always check for that.
How can the carriers drop you?
Okay, let's say the ones thatthey can do is like, let's say
you go out of town for fivedays.
That washer, hose, it's underpressure.

(57:05):
You got that baby on the wholetime.
When's the last time anybody'sreplaced those?
It could be 10, 15, almost 20years sometimes.
They tell you if you pop thathose, they'll come and pay for
it.
Pay your claim.
Hey, change these.
Get the ones that have the steelover the, I forget what they're

(57:26):
called.
I apologize.
It's a water hose, but it's gota steel mesh around it to hold
it so it won't blow out.
They last longer.
And they tell you every time yougo out of town, turn them off.
Get a second claim.
If this happens, we're going tocancel you on the next one
because they've advised you thisis what you have to do.
Like when I go out of town evenfor the weekend, we turn off all

(57:48):
the toilets and the hose to thewasher.
So I don't have to deal withthat kind of an insured inside
water claim.
It's those little things thatthey know happen a lot.
Once you're told, they cancancel you.
It's not like auto insurance.
Because an auto, you eitherdrive or you don't drive.

SPEAKER_00 (58:11):
Yeah.

SPEAKER_04 (58:11):
And if you drive, everybody's at fault, 50%.
Carrier just has to determinewho's that one more percent, and
that's who is at fault on aclaim.

SPEAKER_00 (58:21):
A homeowner's just totally different.
You know, it's complex, but it'senlightening.
And just having even, you know,enough to make you dangerous is
helpful.
Yeah.
Because you don't know...
How often do you deal with thisstuff?
I mean, you know, the...
The average person, the layperson, we don't deal with it
hardly ever.
You deal with it every day.
That, to me, is worth its weightin gold, having you, the expert,

(58:46):
come out here, advise you, tellyou what you should be doing,
how this should be done.
You can't put a price tag onthat.

SPEAKER_04 (58:56):
You had mentioned, how would I pick a roofer?
Well, this is one of the bestways to do it.
Listen to a podcast.
Go on YouTube.
Watch guys that are beinginterviewed.
And you're going to see who'sdoing it wrong and who's doing
it right.
And on YouTube, they will throwyou under the bus in a heartbeat
and advise.
This is the wrong guy to stayaway from this roofer.

(59:18):
This guy is a joke.
Yeah.
And they're going to interviewthe guys that are doing it
proper.
They're doing it right.
And that's a way to kind of findout.
And let's say that roofer is notin your area, doesn't service
it.
Call them.
He'll advise you, oh, yeah, Igot a buddy, or I know somebody
that's doing this, and they'lladvise you where to go, and
that's one way to do it.

SPEAKER_00 (59:38):
Well, speaking of that, how can people get in
touch with you?

SPEAKER_04 (59:40):
Well, they can call me on the cell phone at
512-577-9098.

SPEAKER_00 (59:46):
That's awesome.
That's awesome.
That was so helpful, and Ireally appreciate you coming in.
I know we took a lot of yourtime.
You're busy.
You know, we just had a crazy–Windstorm, rainstorm yesterday.
It was

SPEAKER_04 (01:00:01):
right over here.
It was nuts.
It was downbursts.

SPEAKER_00 (01:00:04):
Yeah.

SPEAKER_04 (01:00:05):
Right on the other side right here of Baghdad.

SPEAKER_00 (01:00:07):
That was nuts.
And to me, unexpected.
I don't know if you expected it,but it sounded like hail to me.
It did sound like hail, but Idon't know.
So just one last thing.
So if you do see some hail, likeyou said, call your...
Call your

SPEAKER_04 (01:00:25):
insurance agent or the carrier.
You can call the carrier.
Carriers are open 24-7.
You can make a claim 24-7.
There's somebody there to takeyour claim.
A lot of times they'll tell you,oh, call a roofer.
No, come and do your job.
That's why I pay my premium.
It's for you to come out here.
Not only to call a roofer,things are not done for free.

(01:00:47):
That's why I pay you to come outhere and do it.
Oh, and by the way, guys,another way to get a hold of me
is at AlexisRoofing.com.
Perfect.
Sorry about that.
I forgot about that.

SPEAKER_00 (01:00:56):
Well, good deal.
Again, I really appreciate youcoming out here.
You did an amazing job.
And, again, keep doing the goodwork and fighting the good fight
because we all appreciate it.

SPEAKER_04 (01:01:04):
Copy that.

SPEAKER_00 (01:01:05):
Thanks, Alex.