PHASE I: MISSION BRIEF — THE BIG PICTURE
PHASE II: INTEL & DOCUMENTATION
PHASE III: SUPPLEMENTING & SALES FLOW EXECUTION
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MANAGEMENT DECISION AUTHORITY
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SUPPLEMENTING (1:17)
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WHAT IS SUPPLEMENTING (19:23)
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TOOLS TO HELP YOU GATHER THE RIGHT DATA (20:31)
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EFFECTIVE COMMUNICATION WITH CONTRACTORS (20:16)
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WHAT CONTRACTORS NEED TO KNOW ABOUT INSURANCE (35:23)
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THE SECRET WEAPON FOR SUPPLEMENTING (34:04)
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APPRAISAL
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PUBLIC ADJUSTER
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LITIGATION
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APPRAISAL / PUBLIC ADJUSTER / LITIGATION – When the claim gets escalated
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ACTIVITY: ESTIMATE BREAKDOWN DRILL
PHASE IV: FIELD OPS — LIVE OBJECTIONS & ADJUSTER ENGAGEMENT
COMMON ADJUSTER DENIAL EXCUSES
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"THAT DAMAGE IS COSMETIC.”
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“THIS ISN’T STORM-RELATED.”
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“WE DON’T PAY FOR CODE UPGRADES.”
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“THE SHINGLES ARE MATCHED CLOSE ENOUGH.”
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“WE DON’T PAY O&P ON THIS JOB.”
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“THERE’S NO DAMAGE HERE.”
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“THERE’S NO FUNCTIONAL DAMAGE.”
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“THAT’S PRE-EXISTING DAMAGE.”
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“WE ALREADY PAID ENOUGH.”
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“WE DON’T PAY FOR FELT / UNDERLAYMENT / ICE & WATER.”
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“THAT'S MAINTENANCE-RELATED.”
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“YOU’RE JUST TRYING TO MAX OUT THE CLAIM.”
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“WE WON’T PAY FOR DRIP EDGE / FLASHING — IT’S REUSABLE.”
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“THE ROOF STILL HAS LIFE LEFT.”
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“NO COLLATERAL DAMAGE = NO COVERAGE.”
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“WIND SPEEDS WEREN’T HIGH ENOUGH.”
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“THE DAMAGE IS DUE TO INSTALLATION DEFECTS.”
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“THE DAMAGE WASN’T VISIBLE FROM THE GROUND.”
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“ONLY THE DAMAGED SHINGLES NEED REPAIR.”
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“THE DAMAGE IS DUE TO WEAR AND TEAR, NOT STORM IMPACT.”
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“YOU DIDN’T NOTIFY US IN TIME.”
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“THE CLAIM VALUE IS LESS THAN YOUR DEDUCTIBLE.”
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“THERE’S NO HAIL IMPACT ON THE SHINGLES.”
ARGUE DAMAGE WITH PHOTO EVIDENCE: HOMEOWNER EDITION
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“It doesn’t look that bad to me.”
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“The roof isn’t leaking though.”
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“Are you sure this isn’t just wear and tear?”
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“That just looks like normal discoloration.”
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“Can’t they just repair that one section?”
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“How do I know insurance will cover this?”
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“Why hasn’t another roofer mentioned this?”
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“That just looks like regular roof wear.”
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“My roof is new — this shouldn’t be a problem.”
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“If it’s that bad, why didn’t the last contractor say anything?”
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“The insurance adjuster already said there’s no damage.”
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“I don’t want to deal with insurance — it sounds complicated.”
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“Are you just trying to sell me something?”
PHASE V: TACTICAL SALES INTEGRATION
🧾 CORE CODES YOU NEED TO KNOW (AND USE)
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IRC R908.1
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IRC R908.3
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IRC R905.2.7.1
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IRC R905.2.8.2
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IRC R903.2.1
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IRC R905.2.8.5
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IRC R905.2.4
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IRC R905.2.8
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IRC R905.2.8.6
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IRC R908.6
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Texas Administrative Code Title 28, Rule §21.203 – Prompt Pay Law
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Texas Insurance Code §542A.001 – Matching Standard
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Manufacturer Specifications (CertainTeed, GAF, Owens Corning)
ADDITIONAL TRAINING MATERIALS FOR INSURANCE CLAIMS
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Intro to Insurance Claims
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Proper Expectations with Claims
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Insurance Claim Cycle
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Homeowner Insurance Policy Types
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Adjuster Types
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Intro to Filing Claims
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Great, Good, and Bad Approval Odds
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How to file a claim with a homeowner
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Insurance Claims' Phone Number / Email Address
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Date of Discovery vs Date of Loss
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Giving Consultant Info to Insurance
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Intro to Adjuster Meetings
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Preparing for Adjuster Meeting
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Running the Adjuster Meeting
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Coming up with plan for Adjuster Meeting
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Ending the Adjuster Meeting
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Intro to Claim Denial / Partial Approval
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Communicating with Homeowner during Denial Process
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Communicating with Insurance Adjuster during Denial Process
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Full Claim Denial Process
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Establishing the Last Straw for Approval
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Supplementing Process
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How to Prepare an Itel Report
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Understanding the different Itel Match Types
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How to read an Itel Report
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Sample Itel Reports
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Comparing New Itel Matches with Existing Materials
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Marking Damage Photos for Supplements
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The "Damage Supplement Request Form"
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Intro to Claim Approval Process
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Claim Approval Checklist
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Uploading Scope of Work
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Reading Insurance Scope
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AVRR Sample Approval Scopes
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Preparing Final Contract for Approved Claim
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Calculating for Non-Recoverable Depreciation on Final Contract
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Finalizing Details with homeowner after Claim Approval
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Supplementing Expectations During Install
BONUS SECTION: ADVANCED SUPPORT TOOLS
