This week on The DYOJO Podcast we share some more property restoration history. If you listen to IAQ Radio on Fridays, you know that Cliff Zlotnik always opens the show with a question. Joe Hughes and the Z Man are the OG's of property restoration podcasting. They were podcasting before that was even an option, broadcasting live in the 2000's over internet radio.
We speak to this restoration founding father's sons and several others about these historic contributions that birthed the water damage mitigation industry. Cliff Zlotnik shared, "His invention of the air mover was probably the most significant invention for our industry. It was a brilliant idea. It was simple. And do you know what's even crazier? His idea to put it underneath the carpet and float the carpet."
Any classic loss is gonna at least involve three people, what we refer to in How To Suck Less At Estimating as The Restoration Triangle.
As David Princeton, guest for The DYOJO Podcast Episode 100 says, "At a minimum, those are the three those are the three people that have to be involved in the claims process."
Roles in the Insurance Claims Process
As The DYOJO wrote about previously in Cleaning and Restoration (C&R) Magazine,
Throughout his career, Pete Consigli, The Global Restoration Watchdog, trained restorers to value the Restoration Triangle. Each party brings something unique to the table that should be heard and referenced as the agreed-upon scope is established:
Pete reminds stakeholders,
“If one of these parties is left out of the process of determining and agreeing on the extent of damage, scope of repair, cost of restoration to a pre-loss condition, timelines, and criteria for satisfactory completion, then there will be problems.”
A claim should not follow the narrative of a T.V. drama or a strategy for Survivor, whereby two members of the triangle team up to push their narrative through. For example, the contractor and client should not be in cahoots to figure out a way to “maximize the claim” without justification. This is fraud. Neither should the contractor and the carrier be working together to dwindle the scope. This is short-changing (and likely grounds for bad faith).
Contractors and Carriers Working Together
The DYOJO wrote about contractors and insurance carriers working together from the same site documentation in Property Casualty 360 Magazine on the topic of Expediting Claims Processing.
The goal or standard of claims processing is to create an agreed-upon scope of work to restore the damaged structure to resemble its pre-loss condition with materials of like kind and quality. I believe 360-degree capture tools will continue to improve and provide a valuable resource to all parties of a claim. If we want to arrive at an expedited, agreed-upon scope of work that is as accurate and thorough as possible, everyone in the claims chain will benefit from having access to the same information.
Increased capacity while simultaneously elevating data capture and collaboration opportunities would seem to be reason enough for 360-degree capture integration in the claims process. For those who are reviewing the claim remotely, ask whether the company you are working with will share their virtual walkthrough. If there is a claims question, it will be helpful to access one of these resources so that carrier, contractor, and insured (the Restoration Triangle) can virtually access the three-dimensional capture of the affected area. I hope that carriers and contractors will see the value in the utilization and sharing of these resources.
This content was adapted from The DYOJO Podcast Episode 100 "Matching Materials for Insurance Claims" with David Princeton and Bill Wilson.
On Episode 99 of The DYOJO Podcast, we discuss:
0:00 Let us discuss moldy things
0:58 Pending mold legislation supported by the IICRC
5:18 Holding bad actors accountable within the skilled trades
8:39 Filtering through industry BS with Cliff Zlotnik
11:25 Industry regulation at the state level with Gordy Powell
20:07 Mold in pop culture - Zombie fungal outbreak in Last of Us
27:41 Can your company save the world from Cordyceps?
29:06 Helping young workers bridge the knowledge gap
Thursdays are for The DYOJO Podcast - helping contractors shorten their DANG learning curve.
Considering chasing storms or pursuing catastrophe work?
Feast upon this snippet from The DYOJO Podcast Episode 98. In this clip, Jim Thompson shares his perspective on how to set yourself up for success on a large loss.
"You can lose your company on a large loss. You do a three or four-thousand-dollar loss and then you sacrifice your credit line, you borrow money from your friends and family, you hock your truck, or you do anything to get that loss done, but then you don't do it right. Not that you don't do it right technically but politically. Then the adjuster plays the 'let's make a deal' and doesn't want to pay until 90 days later. It's a risky business. But you can protect that risk by doing things the right way."
Thursdays are for The DYOJO Podcast - Helping contractors shorten their DANG learning curve.
Project management is an essential function of any organization offering services in the skilled trades industry. Many project managers feel they are overutilized and underappreciated by owners, managers, subcontractors, and customers. Many owners wonder why their teams cannot consistently produce profitable projects with happy customers. Contact The DYOJO about more information to improve this processes and project outcomes.
The Three P's of Project Management are:
The DYOJO will be releasing more information on the critical tools for each of the Three P's. In the meantime you can purchase a copy of So, You Want To Be A Project Manager? by Jon Isaacson.
This is a brief clip of Attorney Steven Bush interviewing whistleblowers from insurance companies after Hurricane Ian in southwest Florida.
Tune in this Thursday for The DYOJO Podcast as we discuss THREE ITEMS:
1. What We're Working On - the Lessons Learned from Storm Response and Hurricane Recovery workshop with G. Pete Consigli, CR, WLS
2. In The News - At least 21 independent adjusters are acting as whistleblowers calling out insurance companies for doctoring estimates.
3. One More Tidbit - A preview of some content we are developing for the issue of matching materials for insurance claims. This includes snippets from our conversation with Bill Wilson, David Princeton, and an unnamed independent adjuster.
The DYOJO Podcast - Helping contractors shorten their DANG learning curve.
The DYOJO - helping contractors shorten