Done With this topic

Hello Everyone. I am done talking about this issue.>>>

Well I was an insurance agent/underwriter for 15 years. With the exception of one time in my life when I had the cheapest price in FL on a mandatory product for certain businesses to keep there occupational license the insurance field was a "Dead End" job for me.

So I decided that I wanted to become an adjuster. I got an adjuster's license but I did not know anything about construction or how to assess damage. Then someone told me that I should go sell roofs as it will teach me about roofing, gutters, drywall, painting, siding, and general exterior damage.

I have hoped to work as an adjuster but I do not believe that I will ever get the call from Independents unless they are "hard up" and then anyone with a license will get hired.

I have found selling roofs to be easy for me because I see it as an insurance sale. Unfortunately I have worked for a few scumbags that either never paid me or did not pay me or cheated me. So I do not want to prevent myself from being able to take an adjuster job if it were ever offered to me. But I am considering working for a Public Adjuster because I can honestly say that I do not like the insurance industry. I have a short term need for money so that I can achieve long term goals.

I might even start my own residential roofing company and get a group of good workers and build 4-8 roofs per months which will provide enough money for me and my workers to get by until something better comes along.

Anyway hope good things happen to all of you folks reading this post.

Steve This is one of the beauty's of this forum . There is exactly no definition of done . Some time it feels like someone might not be honest. Or someone or someones are assuming too much? Then there is the definitions formal, verb the past participle of do1 interj an expression of agreement: $60.00 seems reasonable, done! Adjective 1. (of a task) completed 2. (of food) cooked enough 3. used up: the milk is done 4. Brit, Austral & NZ socially acceptable: the done thing 5. Informal cheated or tricked 6. done in or up Informal exhausted So , IMO it isn't over till the fat lady sings . Now there isn't exactly a definition of who the fat lady is . What is a fat lady . What is she singing ? What do you think ?????? B) ;) B) :laugh: :laugh: :laugh:>>>

I have experienced on this forum , in life corporate and private. An undercurrent of cynicism or sarcasm. Dished it out and taken plenty . On this forum , there is a feeling that some of the more ( not ardent ) cynical poster is measuring themselves against you, that they want what you have, that they hate their own life and are looking for something better..... That's life. Honesty is as egg and many other through out history know . Best>>>

Understood, but it just underscores why the closed ranks feature of the corporate modus operandi engenders such hostility, is in fact a magnet for hostility, and creates such mistrust, not that the ranks of the general public are swelled with angels mind you. But, come on...' insprojohn' could hardly be taken as a positive ID. Around here we make it a point to use only the King's English. That way people can't recognize us. Gotta do what you gotta do, but the less transparency, the less respect. We all find our own way. Maybe the best plan is to only share information you can afford to share and leave it at that. Perhaps speaking in general terms might fly where naming names wouldn't. Pick your battles, but always go for freedom. Honesty. Truth. Stuff like that. The world already has enough cynics and opportunists to last an eternity. No? Yes?>>>

Well I realized after joining that I should have used a fake name to sign up because I do not want any people in the insurance field to know I am sharing info in this forum. As I have not yet 100% made the move to becoming a Public Adjuster. If I ever cross the line then obviuosly I will not worry about it. :) >>>

Welcome to the rooferscoffeeshop,you may come but you may never leave. :S>>>

John You gotta be tough with thick skin on this forum. There are a few vocal cynics here . At the ready to slice dice and tear up . Most either have nothing better to do or have black and blue diploma's and want to dish it out . Traps are laid out waiting for the unsuspecting to step on or in . I for one want to have you around . Hang in there pal. I hope this doesn't mean you are leaving.>>>

Each policy is different. Some homeowners that have a desire to save $$$ on premiums will take a big deductible or buy an ACV only policy. In some states such as TX, FL, AL, MS and many other coastal areas you have no choice but take a hurricane percentage deducible of 1% to 5%. In all honesty I really want to learn how to start my own roofing company just doing 3-10 roofs per month and staying home. Working as a commission ONLY salesman and then getting RIPPED OFF by some asshole is definitely NOT a turn on. But in the meantime I will do whatever I gotta do.>>>

Took all his posts and left. We're all scared of our shadows anymore.>>>

Fascinating discussion. btw, are these roof settlements getting reduced for years of use?>>>

As I read it they didn't have insurnace when the Hail hit . B) ;) B) " i dunno ">>>

The Engineering firm is the last word for the insurance company . Oxidation is the key for the Old hail compared to new . NOA weather is the key for timing and date of the hail storm .>>>

We used to do quite a bit of work for Allstate claims back in the early nineties. At the time they were a great company to work with, they bought a lot of work for us. Then regional management changed and our work load dried up from Allstate. You may want to press the issue with higher level management at Allstate and get past the adjuster. Any records of when a call was placed for an adjuster to inspect and when they actually inspected may help too. If you have complaints about the adjuster, go to management...worked for us.

SC>>>

John Have you looked at the report John ? Because you have been in the insurance industry for as long as you have Weren't you considering being a risk manager ? Which of course requires that you understand claims handling. Now , your agent licensing you scored a 90%. Then of course you got an independent adjuster 520 license by paying $55 to state of FL. Are you still planning on obtaining AIC designation and getting a legal studies degree. ? Very admirable endeavor . Your desire once was to work for a lawyer suing/defending . So now I need to ask ," was this a leading question ?" Are you testing us or ready to teach us about Hail ? I am very curious . Also grateful you are here . Stick around . B) ;) B)>>>

Years ago on this forum we had a similar issue proposed that involved forensic discovery and differentiation between real and faked hail damage. That one was interesting. They were measuring and mapping and analyzing the roof wounds and were able to show the difference between natural hail damage and that caused by a human with limited patience and a ball peen hammer. That's one thing; what you're asking is another.

Your current issue (it seems to me) needs to run a couple of gauntlets. If someone were interested in the phenomenon for the sake of pure science, then there would have to be an examination of accumulated sediment and weathering on a previously stressed surface and a comparison of that with a freshly stressed surface. Surely this must be possible for a legitimate and honest engineering firm to accomplish. Maybe that's what they did and then again maybe they are just forcing someone else to prove otherwise, taking the legal viewpoint that makes us all cynical: 'how much is it worth to you to be right?' I couldn't say, but I do know that if the engineering firm makes an analysis, its reputation has to stand on its ability to document the criterion it uses to reach its conclusions and the results of its inspections and analysis as they relate to the criterion or else it is no more than subjective opinion or complicity in a stalling tactic. If you find an axe stuck in a tree, that's new hail. If you find a tree growing around an axe, that is old hail. I have no doubt they can verify post-stress weathering if they had a mind to. If they were really dialed into the science of it, I would bet they could even determine the approximate date of the hail damage based on degree of weathering. But I doubt if they have actually developed any such methodology or done any such thing. jmho.>>>