Great point, my friend. I usually advocate having the property owner sending an email to the insurance AGENT, when signing the contract. Have the owner cc the contractor in the email. Request from the agent the details of whether or not they have an ACV or RCV policy. And whether or not they have "OL" coverage... or "Ordinace and Law" coverage. And also, if they do have the coverage, are there any exclusions, caps and/or limitations? This way you know right from the start. Hope this helps. - Chad Michael 🙏💖👊😉

I agree. It could’ve been much better. Also, I was super disappointed to hear how bad the audio was too. I have a whole online course that covers this subject at IESCertified.com in addition to other videos here on this channel. Thanks for watching and for the comment. - Chad Michael 👊👊👊😉

Awesome comment... and I sincerely appreciate the comment. And for you watching the video. I do need to tell you that the majority of my content is aimed for contractors who are used to having to work off of low-ball estimates that are written by the first adjuster, soon after a storm or catastrophe. I do agree with you that most folks are good and try to help each other. Unfortunately, after 20 years in this business, I have learned that the insurance carriers from the top are designed to delay, deny and defend. They have certain guidelines that each one operates under. We and these contractors see it every day all across the country. We are required by code to replace certain items and we have to put up with every measure of resistance imaginable to try to get out of paying that cost. But the contractor has to comply with law. And yet, he/she has to add into their job and their process... the entire set of steps they have to go through to get the items approved by the carrier. And time is money for contractors. Mostly, we also see that the majority of this is caused by the adjusters not having even a basic level.of understanding on building codes. If they are supposed to pay for "OL" items, shouldn't they have this at least basic level of knowledge. With all that being said, I return to what I said earlier... I ultimately agree with you that most people are good. And I always try to respect all adjusters I have ever met. I actually try to help educate them on these issues also. I have met and worked with hundreds of really awesome one too. And that's why I agree with you. I certainly didn't mean any offense to any adjusters or anyone else, for that matter. Thanks again for watching, and for the well thought comment. Much love and God bless. - Chad Michael 🙏💖👊👊👊😉

@@InsuranceRestorationTraining Wow you killed it sir. You had me at deniy delay defend (a book written on how insurance companies screw HO's over) but you handled his comment with absolute class and professionalism. While most licensed adjusters who work for a specific company are truly fair... if its there its there.... You also have these 3rd party independent adjusters who are absolutely retarded. In which case we have to refer to said codes and LO. Sad when some of these HOs have been paying these carriers for some times a decade or 2. Yet now we GCs have to fight an uphill battle. Cheers to both of you for having a civil conversation no need for PAs here.