I'm Glad I'm Not You, Cus Then I Wouldn't Be Me


By: ricderr, 6:44 PM GMT on April 30, 2009

Stand back, catch yourself before you fall, but this is darn close to a weather blog post.

It's safe to say that the regular reader of these blogs even if not living in a hurricane zone knows how to prepare for one. How many though know about their home owner’s insurance policy? I've run across this before and it happened just this morning and so I wanted to share.

I met with a customer this morning for him to pick out his shingle color and sign some pre-construction paperwork and to obtain a copy of his adjusters report as I had worked to get insurance to total his roof. All had gone as it was supposed to as I had met with the adjuster and gave our reasons why the first adjuster had made a mistake in only offering a partial repair and the adjuster agreed and totaled the roof. Perfect, the customer gets a new roof, replacing one that was 15 years old and in sorry shape and supposedly his only out of pocket expense was to be his 1210.00 deductible. Most of the time that is how it works, but not this time. The homeowner had an ACV (Actual Cash Value) policy instead of the typical RCV (Replacement Cash Value) policy. Insurance bases their payment of what the cost of the roof should be as RCV, they then hold back what they consider the depreciated value of the roof is and only pay, less deductible the actual cash value of the roof. They pay the depreciated value to the homeowner after the work is done. Under an ACV policy, they pay only the ACV and there is no payment for the depreciated value and in this case, paying only 800.00 for a roof job that is valued at 6,800.00. As it is, this is one of three of his rental properties, all needing new roofs and he only has finances for their deductibles. In other words, he's screwed. The other one that flabbergasts people is the amount of their deductible. It can be 500.00 or a thousand dollars flat fee, or it may be a percentage of the value of the home and I remember one situation I was involved in where the home owner had a home valued at 400,000.00 with a 5% deductible and so his 17,000.00 roof job was all out of pocket. So before the storm hits and you have a claim, you need to know how you are covered and how much your deductible is going to be. Now me, I'm just a roof salesman and all money is the same color green whether the home owner pays or the insurance company pays, but I can tell you because of what I've seen I know my policy inside and out and that leads to the QOD:

Do you know your insurance policy?


By: ricderr, 1:50 PM GMT on April 28, 2009

Fear the ultimate entertainment. Listen to the news commercials and most likely they will try to entice you with a warning or story bound to scare you. Watch what you eat as it can cause cancer. Steven King has made a mint because he can express through books things that are at the heart of our fears. This weather site is about to get cranking soon as many worry through hurricane season. Democrats take office and republicans fear socialism. Swine flu makes an appearance and Armageddon is approaching. Global warming is killing our planet. The economy is down and is going to crash, leaving us all penniless.

You name it and it seems like we live and get some type of emotional stimulus from being afraid. To some I almost think it's the ultimate motivator. Whatever it is be afraid, be very afraid and that leads to the QOD:

What are you afraid of?

Monday's Question of the Day

By: ricderr, 1:08 PM GMT on April 20, 2009

Whoa is me, oh whoa is me. That's how I feel today. Tim flew back to Florida yesterday and once again I'm here in Texas by myself.

That's how I feel and I'm tired of hearing my whining. Do you ever talk to someone and that's all they do? They whine, they always tell you the bad things. Guess what? We all have bad days; we all have bad things happen to us, to our family, to our friends. We can go around complaining about them, we can go around trying to elicit sympathy about our plights or we can buck up and focus on how many wonderful things happen to us minute by minute. In other words, no whining! There's no sympathies allowed in the blog today, because if I focus on how bad things are, I'll never enjoy the good. I signed 5 contracts last week; I got to witness Houston weather where the sky at 3:00 in the afternoon was almost pitch black. It was eerily beautiful. I got to spend a good week with m son where we went over some future life planning and hopefully he'll realize what a great future he has and will grab the bull by the horns. I got to spend time on the blogs and enjoy some good discussions. I got to try some great Texas food. See, it's easy, I can tell everyone how bad things are and enjoy the pity party or I can tell everyone how good things are and we can enjoy each others company. It's my choice and that leads to the QOD:

What good thing/things have happened to you today?


By: ricderr, 6:52 PM GMT on April 16, 2009

Ok boys and girls. It's time to get together once again and share the love. Ok, share the grub. Ok, share the laughs t Ok, get together and laugh at each other. I had a blast last time and nothing beats good peole and good fun. Seeing that I get to Florida very little and my ability to plan anything is limited and also that the time I do have I want to cram with my family. I saw the Marlins schedule and thought July 4th with the Marlins has WU written all over it:

Sat., Jul. 4 VS Pirates

Wives Tackle Box Auction

Disabled American Veterans Night

Marlins Patriotic Cap NAPA Auto Parts 1st 15,000 fans

ALS Awareness Night

Pregame Autograph Sessions at The Strike Zone at Gate H

Super Saturday #7, post game concert with KC & The Sunshine Band / Fireworks

If that doesn't represent a huge segment of the population on here I don't know what does.

SO, anyone interested???

Monday's Question of the Day

By: ricderr, 1:48 PM GMT on April 13, 2009

The best part of being home is just thaut, being home. The worst part, is that tomorrow I have to fly back to Houston.

Well, let's keep it easy today. I have what could be a somehwat controversial QOD, but I'll save that for tomorrow or Wednesday, as for today.......

Economists are now predicting an end to the current recession in the 2nd half of this year, do you believe them?


By: ricderr, 2:02 PM GMT on April 07, 2009

Some days you should never get out of bed. Yesterday I caught a crew trying to steal material as I drove to the site. It just makes you sick. They're gone and not only will they not work for us. I just happened to talk with the owner of another roofing company and as I told him the story he said, "You’re not talking about "ABC" are you?" I said I was afraid so and it seems that when not working for us this same crew works for this guy. Well, not anymore I'm afraid.

The good news though is tomorrow I hop on the metal bird and wing my way back home. I can't wait to see Becky and the kids. I miss them so much!

One thing I will miss here however is the breakfast taco. The best thing going for the early meal and there's a little place over on Bingle that does the best. A hand made tortilla wrapped around eggs with seasoning and peppers and tomatoes, now that is good eating. They might have them in Florida, but I never heard of it until here. They're fast, inexpensive and most importantly, they are good and that leads to the QOD:

What breakfast specialty is your region known for?

Monday's Question of the Day

By: ricderr, 12:32 PM GMT on April 06, 2009

One thing you should never tell me when I call to see what time you're going to be on a job is, “It's raining at my house I thought the day would be cancelled.” Duh, just where do you think the first place I go on the internet when I waken every morning? Of course, when one of our crews told me this, I popped his address up on the radar map and voila, no rain anywhere in Houston showing this morning. Either he gets his crew on the job soon, or else he finds another company to work for. Oh the joys of project managing. Two days, just two days and I'm home in Florida for a week and I won't have to deal with this.

I visited Austin again this weekend. I tarped one roof, measured and diagramed and took and labeled pictures for 8 houses and signed two contracts, not too shabby for a 3 day trip, needless to say I'm exhausted and am ready for a vacation, but if it wasn't for the fact my mother is also going to be in Florida this week, I'd delay my trip home since there is such an opportunity to sign new business from the hail storm. Money or family, both are wonderful necessities, family wins out though, big time.

In talking with Becky, she asked what are we going to do for Easter. Now, we do an Easter egg hunt where I give clues for the kids to find their eggs, and inside each egg is another clue until finally they claim their Easter basket, but any other plans for the day I've none. My home plans include mounting a flat screen TV on the wall in the bedroom and building the last section of our privacy fence in the back yard. Maybe I'll add another deck next to the pool. I am not a fan of the concrete decks found everywhere in Florida. Give me the warmth of wood. Now we could go to the beach. We could hit up Orlando, heck we could do just about anything, but nothing sparks my interest and that leads to the QOD:

What are your Easter plans?

The views of the author are his/her own and do not necessarily represent the position of The Weather Company or its parent, IBM.

I'm Glad I'm Not You, Cus Then I Wouldn't Be Me

About ricderr

This is a blog for "people". You're not defined by your latest & greatest. You are you and that's great enough.

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