ZCI Residential
ZCI Residential

Episode 4 · 1 year ago

Insurance Agents & Homeowners: Don't make this mistake!


Insurance agents, stop losing your clientsto a poorly handled claim. We want to show you how we know youhave your clients best interest in mind when they are going into a claim situation, whether they asked you for advice prior or you're made aware that they fileda claim after the decision was made. Now we know you don't have alot of power. Hopefully the insured does as well, that it's, youknow, largely up to the adjuster at that point, the desk adjuster,the field adjuster, whoever it may be. But you can help them, andhere's how. The best possible way is by referring them to a local, honest and experienced contractor, especially when it comes to insurance restoration. Alot of times these adjusters are going to come out and intentionally write a lowball claim. We've seen it hundreds of times. I think I have yetto see an insurance estimate that was written properly from the onset. Okay,now, the customer likely doesn't know how... fight this. You, asan agent, may or may not know how to approach that, how togo back and forth with the adjusters, but we, as insurance restoration professionals, definitely definitely know how. We're certified to identify damage. We're certified forwater mitigation. We have artifications and writing, exact amate the commonly used estimating software. Great reviews, Google, a plus on the BBB. So it'sup to you to point them in the right direction. We want to helpyou retain your clients by being an excellent resource for you who you can say, Call Zci. They know what they're talking about with this stuff. Theycan make sure all the damage is identified on the entire property and then theycan write a proper scope of repairs to make sure that you're put back togetherright. Okay, so again are three big things. are local, honestand experienced. Now, how this is going to affect the process for youand your ensured clients is going to be that we're local. We know whatstorms hit and we know when. We know the date of loss, weknow the Hale size, we know the...

...windspeed. Last year, for example, my house got hit by two in Chail. Now I was driving upto jobs with big hail dens in my truck, with a bag of hailstill in my freezer, and adjuster is not going to question me when Isay, yeah, I live right around the corner. Here's the damage right, so we we understand what hit. We're right here. We also havean excellent understanding of the building codes in the local area. That can changefrom state to state, definitely, but even from county to county. Sometimessome will be more strict than others. And lastly, we're quick. Nowthe way this is going to help is that we can get to the jobas soon as a shingle blows off where they're tarping it up, performing theemergency repair so there's not further damage and the ensured has done their part tomitigate further damages. Okay, all very important in the restoration process. We'rehonest. Okay, we're not going to propose a method of repaired that isn'tthe right one. That's going to cost us a long term relationship that wevalue much, much more than an immediate transactional business. Okay, that's abig thing of ours. We would much...

...prefer to have a relationship with youas an insurance agent or policy holder, perform regular maintenance on your roof.We document as things go. We know the roofs in good shape. Nownext week we have a big storm. Now we have all this documentation topull on and say, Hey, it wasn't like this a week ago.Here's a new photos, here's what's changed, here's the recent damage, and thatright there works wonders because it's irrefutable. Okay. And then it's going tokeep the insured trusting you when they know that you're referring people who havetheir best interest in mind. You're not just letting infend for themselves or saying, well, you know, that's what the adjuster is going to do.No, you have resources for them who can help them get the right outcome. Okay, and experienced, we know the hoops that we have to jumpthrough. We know the documentation process. We've done it thousands of times.Okay, we can set the expectations for you, if you want to beinvolved, or for the insured more likely, because again, we've seen it before. We know, hey, this is how it's likely going to go, these are the steps we're going to...

...have to take and this is the, you know, probable outcome, which, again, worst wonders to to know, hey, it's going to be a little bit of a fight.Sometimes you don't think it's going to be rainbows and UNICORNS. Don't worry aboutanything it's going to be perfect. That's rarely the case. So you wantsomeone who understands that. And then again, going back to the maintenance thing,because this is huge to me. I would much rather inspect a propertyfor free today and see no damage and then in a week, a month, a year from now, know exactly what the new damage was, becausethat's going to help you and your clients so much to have that documentation.So, even if you don't think you have damage or you don't think yourclients have damage, get ahold of me. Tell them to get ahold of meso we can go out and document everything as it is now. Thatwill save them a lot of headache in the long run. And then,lastly, we all of our warranties are backed by the manufacture. So,whether it be the shingle manufacturer gf or Owens corning, we are preferred andcertified through both. So they're going to back all of our warranties. Youhave that peace of mind of all of our labor and material warrant he's beingbacked by billion dollar companies. So stick...

...with someone local, honest and experienced. ZCI RESU.

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