The owner isn't the boss
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Category: Carpet Cleaners Discussion
Forum Name: Carpet Cleaners Hangout
Forum Description: General discussion on anything related to carpet cleaning
URL: https://www.kleenkuip.com/forum/forum_posts.asp?TID=3430
Printed Date: 23/August/2025 at 12:33pm
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Topic: The owner isn't the boss
Posted By: LilNiteRidrhood
Subject: The owner isn't the boss
Date Posted: 30/January/2007 at 9:26pm
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After reading the mould thread I thought 'd share with you my horror story.
My company was recently given notice that we had to get out of the water damage business or they would cancel my insurance.
If my insurance was cancelled I'd lose my business so I had to comply.
I had always listed water damage as a source of income to the insurance, too bad they said.
I am a qualified Master Water restorer and approved instructor for water damage, too bad they said.
I have an infrared camera and take pictures along with moisture readings to prove the job is dry, too bad.
I have separate mould insurance, too bad.
The insurance company is just no longer willing to be named on a water damage claim, the litigation costs are just too high they say. Even if I have separate insurance from Elliots for water and mould!!!
If there is someone spraying anything on mould out there, they don't know what they are doing, plain and simple.Most mould spores are hydrophobic so the last thing you want to do is release the spores with air or water mixture.
So when you state that someone sprays Microban on mould, you are just describing a scammer, not a real mould remediator.
Same thing for the people who do water damage without the proper equipment and don't know how to do moisture readings of materials and air mixtures. You know, the guys who cause major mould situations.
These are the guys who are going to cost you $15K more a year like they just did to me.
Bastards!!!!
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Replies:
Posted By: doug
Date Posted: 30/January/2007 at 9:33pm
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$15K more?? How the hell much were you paying in the first place. I believe you policy is also based on volume? I guess you must be doing alright then? ------------- Just My opinion |
Posted By: MR. STEAMER
Date Posted: 30/January/2007 at 11:16pm
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15K a year is nothing for flood and mould damage the money is amazing. I know guys that pull that from a flood job in a day.
Mould removal will just be classified as something else, there are a lot of ways to skin a cat, the dishonest will get around that no problem. They'll just classify it as damage clean up. ------------- www.mr-steamer.com |
Posted By: doug
Date Posted: 31/January/2007 at 8:39am
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Lee most big restoration comapnies don't give a rats behind about all your magical toys. Most are R&R specialiist? tehy have maybe on certified tech. Oh by the way are all you techs certified in all the areas you advertise? ------------- Just My opinion |
Posted By: MR. STEAMER
Date Posted: 31/January/2007 at 12:34pm
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they have no certified tech...LOL
what about all the smaller residential claims....The ones that are done before the insurance company is notified..
I know of companies that charge up to $500 per hour for just water extraction ------------- www.mr-steamer.com |
Posted By: doug
Date Posted: 31/January/2007 at 12:37pm
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I have seen invoices of over $1500. just for the emergency call no work yet. Just the call out? ------------- Just My opinion |
Posted By: cmaster
Date Posted: 31/January/2007 at 2:22pm
Who the hell charges that kind of money and gets away with it?  ------------- 
The STD Meter |
Posted By: doug
Date Posted: 31/January/2007 at 2:36pm
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Win Mar for one? ------------- Just My opinion |
Posted By: cmaster
Date Posted: 31/January/2007 at 3:14pm
No $hit. I will be raising my prices for anything they sub to me  -------------
The STD Meter |
Posted By: Hammy
Date Posted: 31/January/2007 at 3:23pm
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Win Mar gets away with murder! Must be good kickbacks ------------- Could somebody just clean my carpets! |
Posted By: doug
Date Posted: 31/January/2007 at 3:31pm
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Promotial Gratuties?? ------------- Just My opinion |
Posted By: Hammy
Date Posted: 31/January/2007 at 3:42pm
I stand corrected!  ------------- Could somebody just clean my carpets! |
Posted By: doug
Date Posted: 31/January/2007 at 6:02pm
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In the 70's & 80's it was kick backs now it is promotial gratutues. ------------- Just My opinion |
Posted By: cmaster
Date Posted: 31/January/2007 at 6:18pm
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I could tell you some stories about the ING group of adjusters here -------------
The STD Meter |
Posted By: doug
Date Posted: 31/January/2007 at 7:09pm
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I have come accross a couple around here too ING must train all the adjusters to be complete A**HOLES ------------- Just My opinion |
Posted By: cmaster
Date Posted: 31/January/2007 at 7:12pm
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Do they train them or hire them that way? -------------
The STD Meter |
Posted By: MR. STEAMER
Date Posted: 31/January/2007 at 9:50pm
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Hey they have to save their company money..... and flush out the scammers ------------- www.mr-steamer.com |
Posted By: LilNiteRidrhood
Date Posted: 01/February/2007 at 7:21pm
| The water damage part is more expensive than the mould remediation |
Posted By: doug
Date Posted: 01/February/2007 at 8:03pm
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Your right just ask the guys who leave their equipment for days and days then do the R&R knowing full well the equipment was doing ABSOLUTELY NOTHING? ------------- Just My opinion |
Posted By: cmaster
Date Posted: 01/February/2007 at 10:51pm
The equipment was doing something. Generating revenue  -------------
The STD Meter |
Posted By: MR. STEAMER
Date Posted: 02/February/2007 at 1:14am
how do they sleep at night???? VERY WELL ------------- www.mr-steamer.com |
Posted By: MR. STEAMER
Date Posted: 17/February/2007 at 8:45am
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As some may know, we do quite a bit of subcontract WDR work for a national WDR franchise. Been working on a real PITA job for 7 days. Place was wet for 3-4 weeks we're guessing. Bound water almost everywhere. Adjuster shows up (finally) and says he won't pay to remove basement ceiling which is soaking wet and we need it out so we can heat the subfloor of the first floor. All of a sudden, they won't pay to pull carpet and pad in 3 bedrooms that we were told over the phone by the franchise were authorized. Estimator for franchise says pull equipment and say it's dry. Oh yeah, and only bill for 6 days! I told him, that I cannot claim that it is dry and that he can change any paperwork I give him but the originals (which I keep) will always say that it was wet. He says OK. So, now I just have to see how much of this check gets whittled away between the insurance company and the franchise. I feel like there is little hope for the WDR industry sometimes. Nobody can get together and figure out what the he11 is going on. ------------- www.mr-steamer.com |
Posted By: MR. STEAMER
Date Posted: 17/February/2007 at 8:46am
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Thats a post on ICS.....see the adjusters don't want to pay for a proper job....
happens all the time ------------- www.mr-steamer.com |
Posted By: doug
Date Posted: 17/February/2007 at 10:00am
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That's why they have prefered vendors, who will do what ever it takes to stay prefered and be good little boys and do what they are told. Kind of like don't bite the hand that feeds you? ------------- Just My opinion |
Posted By: CleanEvo
Date Posted: 17/February/2007 at 11:09am
| I was in the Insurance Restoration business for 15 years, working for some of the largest resoration contractors in Western Canada. This has ALWAYS been the problem. It's the main reason I have decided to stay away from restoration work in my own business. Sometimes it's tempting to get in, cause we all know the money can be REALLY good at times. Unless you're one of the big players and have acces to the claims managers and VP's of claims...you can never win. |
Posted By: MR. STEAMER
Date Posted: 17/February/2007 at 12:21pm
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I've been to water damage jobs where the underpad was black with mould and the adjuster said just to clean it............ shocking....shocking
------------- www.mr-steamer.com |
Posted By: doug
Date Posted: 17/February/2007 at 12:36pm
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These adjusters are graduates of some of our best instructors in WDR?
------------- Just My opinion |
Posted By: pilediver
Date Posted: 17/February/2007 at 1:09pm
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Take pictures and have the owner send them to the local health authority. ------------- http://www.expertcarpetcare.ca>Carpet Cleaning in Victoria BC |
Posted By: cmaster
Date Posted: 17/February/2007 at 2:16pm
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Just have them sign a release. I did that once on a job that wasn't dry. The adjuster called and told me to leave my equipment til it was dry -------------
The STD Meter |
Posted By: LilNiteRidrhood
Date Posted: 18/February/2007 at 12:17pm
| When an adjuster wants me to do something incorrectly I always ask for it in writing. Its amazing how well that sorts things out. |
Posted By: cmaster
Date Posted: 18/February/2007 at 12:21pm
In a flash. CYA we call it  -------------
The STD Meter |
Posted By: pilediver
Date Posted: 18/February/2007 at 12:32pm
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The only problem is that you risk losing business from him because you wouldn't play along. I guess that's where the big dinners you take him to come in. ------------- http://www.expertcarpetcare.ca>Carpet Cleaning in Victoria BC |
Posted By: cmaster
Date Posted: 18/February/2007 at 12:38pm
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I won't participate in the wining and dining bs. My calls come from homeowners not adjusters. I'm not a preferred. I look out for the policy holder and I don't give a rat's ass about the insurance company as long as the job gets done right -------------
The STD Meter |
Posted By: pilediver
Date Posted: 18/February/2007 at 1:19pm
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I think that would be my attitude too. We are doing the job and the job has to be done right. After all the he said you said was done the job speaks for itself and our reputation. ------------- http://www.expertcarpetcare.ca>Carpet Cleaning in Victoria BC |
Posted By: cmaster
Date Posted: 18/February/2007 at 1:23pm
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Yup. Just do it right and leave with a clear conscience -------------
The STD Meter |
Posted By: MR. STEAMER
Date Posted: 18/February/2007 at 10:43pm
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adjusters can deny a whole claim...if they don't like the company...
The home owner could be sh*t out of luck if they use you instead of the insurance companys lacky.. ------------- www.mr-steamer.com |
Posted By: cmaster
Date Posted: 18/February/2007 at 10:45pm
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Says who. The insured has the right to choose the contractor -------------
The STD Meter |
Posted By: MR. STEAMER
Date Posted: 18/February/2007 at 10:48pm
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and the adjuster has the right to deny the claim....I've seen it been there... ------------- www.mr-steamer.com |
Posted By: MR. STEAMER
Date Posted: 18/February/2007 at 10:50pm
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I had an adjuster went as far as asking if the company I was working for was ISO 9001 cert..... Just to get rid of us....LOL..
he gave the homeowner a list of approved companys to call ------------- www.mr-steamer.com |
Posted By: MR. STEAMER
Date Posted: 18/February/2007 at 10:51pm
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ST*TE F*RM ------------- www.mr-steamer.com |
Posted By: cmaster
Date Posted: 18/February/2007 at 10:51pm
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Never seen it happen. I have been chosen over the preferred by the policy holder -------------
The STD Meter |
Posted By: thermedix
Date Posted: 24/February/2007 at 7:59pm
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Same here, it`s happened before that the insurance co. tries to deny my service, even though the policy holder has requested our service, but under the Insurance Bureau of Canada legislation, it clearly states that the insured has the right to use their own contractor as long as they submitt an estimate that is comparible to that of the competition. S***e F*** is one of the toughest to deal with in this regard. ------------- It`s not how far you fall...it`s how high you bounce back up... |