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Weathering the Storm with Larson Home Services · Ask The Experts

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  Speaker 1: Eight oh seven thirteen ten. Do wuib a Madison in
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  Speaker 1: the morning and ask the experts. Brought you by Larsen
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  Speaker 1: Home Services online Larsen Home Services dot com. That's l
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  Speaker 1: A R S O N Home Services dot com. Del
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  Speaker 1: forh number six oh eight five three five forty three
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  Speaker 1: forty three. That's six oh eight five three five forty
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  Speaker 1: three forty three. And joining us this morning from Larsenome
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  Speaker 1: Services is the one, the only Andrew Larson of Larsen
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  Speaker 1: Home Services. Now there's many Andrew Larsen's out there. I
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  Speaker 1: think we've talked about this in the past, but the
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  Speaker 1: only one at Larstome Services. There is a Greg Larson
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  Speaker 1: at Larstome Services.
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  Speaker 2: There's one.
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  Speaker 1: Yeah, there's a couple, but the only Andrew Larson there.
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  Speaker 1: How you been my friend?
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  Speaker 2: Good? You know. I know you can't see because we're
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  Speaker 2: on the radio. You can't see me. But when that
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  Speaker 2: music came on, I was instantly like in the zone
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  Speaker 2: air drumming. Yeah, I mean it was it was like
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  Speaker 2: second nature, the reminders of the drums. But if you
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  Speaker 2: saw me, you'd think I did.
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  Speaker 1: For folks that wonder, Hey, what does Andrew look like?
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  Speaker 1: What's Andrew all? About By the way, we mentioned your
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  Speaker 1: large home services dot com the website, but you guys
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  Speaker 1: have a Facebook page and YouTube channel. I don't know
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  Speaker 1: that we talk about it enough. You do a lot
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  Speaker 1: of really really cool and I know it's a very
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  Speaker 1: popular video series that you and others at largetome Services
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  Speaker 1: put out there. But folks can definitely follow you on
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  Speaker 1: Facebook and social media and check out those YouTube videos
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  Speaker 1: as well, because what they say, you're proficient. It's also
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  Speaker 1: very entertaining watching you guys talk about talk about not
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  Speaker 1: just the important stuff, but the fun stuff as well,
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  Speaker 1: which some may argue is more important. Let's talk about
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  Speaker 1: speaking of important stuff and things that people need to
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  Speaker 1: be thinking about this time of year in Wisconsin. We
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  Speaker 1: are into April now, which means severe weather storms and
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  Speaker 1: we get a little bit of everything. I see snow tonight,
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  Speaker 1: rain today. You never know what's gonna bring us. There's
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  Speaker 1: some certain thing, there's certain things that folks need to
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  Speaker 1: be aware of when it comes to storm damage and
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  Speaker 1: really how to handle those storms, isn't there Andrew there is?
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  Speaker 2: And and talking about our podcast. We actually just shot
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  Speaker 2: one this week and we talked about storms and storm
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  Speaker 2: damage and storm restoration work because April may like it
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  Speaker 2: becomes it becomes a hot topic and some of the
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  Speaker 2: we had a few early season hailstorms last year, they
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  Speaker 2: weren't like it wasn't like widespread effective. But I mean
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  Speaker 2: we had a number of customers and homeowners that we helped.
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  Speaker 2: And here's the part that really, can I say sucked?
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  Speaker 2: Can I say that?
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  Speaker 1: Yeah?
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  Speaker 2: I think you could say that. Yeah. Yeah. The part
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  Speaker 2: just sucked about it that that that I is that
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  Speaker 2: the insurance landscape is changing. And I know I've talked
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  Speaker 2: about this before. Now it doesn't negate the fact that
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  Speaker 2: we're probably gonna have some hailstorms and there's gonna be
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  Speaker 2: some damage. But in the Midwest, specifically Innesota and Wisconsin,
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  Speaker 2: and I say specifically because it is legitimately where weather
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  Speaker 2: patterns have really changed and we've been seeing more hail
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  Speaker 2: than typical. And if people don't know, you know, your insurance,
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  Speaker 2: your homeowner's insurance is based on statistical probability. And we've
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  Speaker 2: got really smart people called actuaries. Trust me, I'd never
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  Speaker 2: heard of one of these until my best friends became one.
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  Speaker 2: And they figure out the statistical probabilities that you're going
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  Speaker 2: to get injured that you're going to have a storm
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  Speaker 2: event on your home. They work for a lot of
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  Speaker 2: insurance companies, and in the past, the statistical probability that
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  Speaker 2: we were going to get a hailstorm in Wisconsin just
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  Speaker 2: it wasn't that common. They stayed more south. You had
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  Speaker 2: a hail belt that went across Nebraska and Iowa and
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  Speaker 2: into Illinois, and of course Texas and Colorado, like they
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  Speaker 2: got hit every single year. Well now we've been starting
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  Speaker 2: to get hit every single year. So what's happening is
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  Speaker 2: we've had a whole lot of people that they might
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  Speaker 2: not think so, but I can tell you from knowing
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  Speaker 2: people all over the country that our homeowner's insurance here
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  Speaker 2: is dirt cheap, dirt cheap. I mean, there's a lot
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  Speaker 2: of people that have paid nine hundred to twelve hundred
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  Speaker 2: dollars a month for a full homeowner's insurance policy and
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  Speaker 2: if anything happened to their home, they had a five
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  Speaker 2: hundred or one thousand dollars deductible. Those days are done,
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  Speaker 2: especially when it comes to your roof. For instance, my
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  Speaker 2: father just got a letter, mister Greg Larson, a letter
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  Speaker 2: from his insurance company, and it was it was as
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  Speaker 2: black and white as you can get. You can listen
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  Speaker 2: to my podcast. It's going to explain depreciation on your
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  Speaker 2: roof and recoverable depreciation and a little bit more depth.
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  Speaker 2: But basically, in order to get a full roof paid for,
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  Speaker 2: you have to have recoverable depreciation on your policy. And
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  Speaker 2: they just made no qualms about it. It's gone. There
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  Speaker 2: is no more such thing. And on top of no
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  Speaker 2: more recoverable depreciation, your rates are going to go up
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  Speaker 2: by twenty five percent. So I did the math. Not
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  Speaker 2: only that, last year they raised his deductible and it
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  Speaker 2: went from one thousand dollars to one and a half
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  Speaker 2: percent of his home's value. So let's just say hypothetically
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  Speaker 2: his home is worth three hundred thousand, which is somewhere
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  Speaker 2: between there three and three fifty. But we take three
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  Speaker 2: hundred thousand. His deductible's four hundred or forty five hundred dollars.
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  Speaker 2: Now we take his roof. It's roughly seventeen years old.
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  Speaker 2: Your insurance company's gonna deem the full life of a
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  Speaker 2: roof twenty years. So he's got three years left on
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  Speaker 2: his roof, so they're going to appreciate it down to
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  Speaker 2: probably I don't know a couple grand. Now, put on
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  Speaker 2: top of that his deductible. If he was to get hail,
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  Speaker 2: and hale was to wreck his roof, he would get nothing. Nothing.
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  Speaker 2: And now here's the problem. Now he knows because he
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  Speaker 2: opens all his mail and he saves the paperwork, two
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  Speaker 2: things that I don't do either of. I feel like,
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  Speaker 2: there's a bill in here, now throw it away. And
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  Speaker 2: I think that's what a lot of homeowners did. In
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  Speaker 2: the part that stunk last year with some of those
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  Speaker 2: hailstorms is that we had homeowners that got bad damage
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  Speaker 2: and they weren't reading. They didn't All your insurance company
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  Speaker 2: has to do is send you a letter and say, hey,
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  Speaker 2: your policy changed. Read this. But a lot of people
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  Speaker 2: don't read it. They throw it away, and then they
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  Speaker 2: get Then they have a storm event or some sort
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  Speaker 2: of loss, and now they're going what I had. It
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  Speaker 2: happen to multiple people where the insurance was only going
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  Speaker 2: to give them half enough money to cover their roof,
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  Speaker 2: and now now they're paying out of pocket. Now would
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  Speaker 2: that change anything if they knew? Not really, but at
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  Speaker 2: least they would know and they'd be prepared instead of shocked,
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  Speaker 2: because the last time they looked, they had one thousand
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  Speaker 2: dollars deductible and all would be good because they had
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  Speaker 2: coverable depreciation. But the same thing that's happening to my
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  Speaker 2: father happened to these people. They took away the recoverable depreciation,
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  Speaker 2: which is what you need to get the entire roof
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  Speaker 2: paid for, and they increase their deductible and they had
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  Speaker 2: no idea, so they were shocked. Now, the point of
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  Speaker 2: all this is just to know, make sure you're educated
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  Speaker 2: and you know where your policy is at. Reach out
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  Speaker 2: to your insurance agent, or reach out to your insurance
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  Speaker 2: company and see if there is going to be any
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  Speaker 2: changes or if there's already been changes. Then don't look
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  Speaker 2: at a storm, say your roof gets damaged and they
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  Speaker 2: say because the insurance company come out and say, yp
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  Speaker 2: this needs to be replaced. Here you're getting almost nothing
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  Speaker 2: to pay for it. Because I'm seeing it more and
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  Speaker 2: more and more. Use a storm as not an opportunity
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  Speaker 2: to get a free roof because those days are running out.
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  Speaker 2: Look at us and look at it as an opportunity
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  Speaker 2: in most cases to get a real nice down payment
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  Speaker 2: on a roof that will last longer and withstand hail.
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  Speaker 2: And that's always been our stance as we sell more
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  Speaker 2: shingles that are Class four impact rated that when a
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  Speaker 2: storm comes through, they've got a rubberized membrane and the
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  Speaker 2: hail can bounce off them and not break the matting,
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  Speaker 2: eventually leading to leaks. So that's what I want people
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  Speaker 2: to look more at a storm for is an opportunity
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  Speaker 2: as an upgrade and not something for free.
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  Speaker 1: Do we see people making it's kind of shifting there.
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  Speaker 1: They're thinking as well. Obviously, as you mentioned, if you've
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  Speaker 1: got the damage lesson learned and you've dealt with an
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  Speaker 1: insurance company recently, you go, oh my goodness, yeah, we
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  Speaker 1: need to we need to be looking at at more
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  Speaker 1: durable shingles better. Are we seeing that? Also on the
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  Speaker 1: new shingle side for folks having roof replacements, are they
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  Speaker 1: are they becoming educated and wise the fact that guess
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  Speaker 1: what the the you may want to shift from the
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  Speaker 1: old days used to be like, yeah, we'll throw a
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  Speaker 1: shingle up there, that's good enough, and if there's any damage, hey,
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  Speaker 1: what the heck? We just get on the insurance. Therefore,
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  Speaker 1: if not to replaces as that that's shifted. Are we
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  Speaker 1: seeing more people saying, you know what Andrew. When we're
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  Speaker 1: going to do whether it's whether it's a repair after damage,
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  Speaker 1: or we're just going to do an overall replacement because
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  Speaker 1: it's needed, we are going to start looking at these
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  Speaker 1: the better shingles, things that withstand and stand up to
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  Speaker 1: hail an other type of damage, just much better.
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  Speaker 2: From a homeowner standpoint, Is that what you're asking? Yes? Yes,
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  Speaker 2: so from a homeowner standpoint, they are so grateful when
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  Speaker 2: we talk about options, because most roofing companies don't talk
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  Speaker 2: about options. Here's our shingle, here's our price, will beat
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  Speaker 2: Larson like, I mean, that's literally what we I'm not
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  Speaker 2: trying to toot my own horn, but that's what we run into.
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  Speaker 2: We can do it cheaper, well, of course you can.
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  Speaker 2: I could do it cheaper too, but we choose to
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  Speaker 2: give homeowners options and show them other shingles, other types
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  Speaker 2: of processes that other people just don't do. I can't
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  Speaker 2: tell you how many times our guys will go, our
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  Speaker 2: guys or gals go into a home and show them
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  Speaker 2: shingles that that are better, and they go, well, we've
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  Speaker 2: had three estimates already, and nobody talked about any sort
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  Speaker 2: of impact rated shingle. Well, that's because a lot of
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  Speaker 2: roofers don't want to put them on. Because here's the thing.
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  Speaker 2: We have a throwaway shingle culture. Put a roof up,
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  Speaker 2: it's good for fifteen years, tear it off throat and landfill,
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  Speaker 2: put a new one on, and a lot of contractors
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  Speaker 2: look at it like if I put a good shingle
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  Speaker 2: up there and they get a hailstorm, well I'm not
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  Speaker 2: going to be able to replace that again. And that's
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  Speaker 2: not our philosophy. I mean, don't like, don't take this
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  Speaker 2: to heart if any of our customers are listening, but like,
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  Speaker 2: our goal is to put a roof on and never
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  Speaker 2: hear from you again in a good way. I don't
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  Speaker 2: want to hear that your roof is leaking. I don't
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  Speaker 2: want to hear that your roof is damaged from hail.
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  Speaker 2: I love it when my reps go back to a
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  Speaker 2: home and knock on a door to see how everything
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  Speaker 2: is and whether they've got our roof or our gut.
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  Speaker 2: The best is when they have our gutters. Hey, how
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  Speaker 2: is that gutter shutter working out for you? Uh? Well,
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  Speaker 2: I actually forgot that I even had gutters. Fantastic say
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  Speaker 2: no less, Yeah, since you put them up. I don't
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  Speaker 2: think about him anymore. That's a beautiful thing. And when
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  Speaker 2: people say, hey, I got my new roof on, I
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  Speaker 2: don't have to worry about my Every time a storm
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  Speaker 2: was coming along, I was afraid shingles were going to
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  Speaker 2: blow off, and I was afraid I was going to
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  Speaker 2: get another leak. And I don't have to worry about
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  Speaker 2: that anymore. And I sleep, I sleep while at night.
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  Speaker 2: We want to put it on and never hear from
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  Speaker 2: you again, unless we're reaching out to send you something special.
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  Speaker 2: We want it to last forever. Now, if you do
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  Speaker 2: have an issue, you call us, we take care of it.
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  Speaker 2: But we try to put something up that's going to
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  Speaker 2: last forever, whether it's an impact rated shingle from GAF
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  Speaker 2: or it's f wave, which is what I have on
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  Speaker 2: my home. We've done roughly one hundred of them, one
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  Speaker 2: hundred homes in the past few years. Not a lot.
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  Speaker 2: It's expensive, but I mean it is a It is
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  Speaker 2: a It is like a rubberized shingle that I don't
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  Speaker 2: know what can go wrong. You can blow it, you
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  Speaker 2: can hit it with a blowtorch, you can hit it
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  Speaker 2: with a hammer. You can't hurt it. You can't hurt it.
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  Speaker 2: So again showing people options of roofs that will last longer,
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  Speaker 2: because when a storm comes along, I'm telling you it stinks.
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  Speaker 2: You're gonna have seventy five different people knocking on your
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  Speaker 2: door asking if you can give you a roof inspection.
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  Speaker 2: And the one thing I said in the podcast was
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  Speaker 2: don't freak out because unless you had a six inch
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  Speaker 2: piece of softball size hail go through your roof and
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  Speaker 2: land in your living room, your roof is not gonna
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  Speaker 2: leak tomorrow or next week, or next month, or probably
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  Speaker 2: in the or probably in six months. Because of a hailstorm.
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  Speaker 2: It takes time. What it does is it speeds up
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  Speaker 2: the aging process because it breaks the fiberglass matting, you
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  Speaker 2: lose your granules. Eventually it will leak. That's why it
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  Speaker 2: has to be replaced. But don't freak out. Take your time,
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  Speaker 2: and whether it be be Larsen or some other local
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  Speaker 2: reputable company, I just say wait because you don't want
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  Speaker 2: to put a roof on and then five years down
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  Speaker 2: the road have an issue and have absolutely nobody to call.
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  Speaker 2: Because when a restoration company comes into town, they're there
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  Speaker 2: for twelve to eighteen months and then they're gone, and
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  Speaker 2: then they're moved on to the next city. You will
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  Speaker 2: not be able to get a hold of them. So
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  Speaker 2: take your time, don't freak out. Know what's on your
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  Speaker 2: insurance policy, and look at different shingle options.
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  Speaker 1: You Have you ever read the book or seen the
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  Speaker 1: movie Hitchhiker's Guide to the Galaxy.
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  Speaker 2: I have not.
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  Speaker 1: I you should, and beside the movie is absolutely fantastic.
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  Speaker 2: The book is I'm writing it down.
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  Speaker 1: The first page of The Hitchhiker's Guide to the Galaxy.
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  Speaker 1: All it says is don't panic.
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  Speaker 2: Yeah, don't panic. I mean if you get a tornado
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  Speaker 2: and your roof blows off, he panics. Yeah, yeah somewhere. Yeah,
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  Speaker 2: but a little bit of hail, you're going to have
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  Speaker 2: people knocking on your door and they're going to be
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  Speaker 2: I'm not joking. I've seen this. It happened in Lacrosse
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  Speaker 2: a couple of years ago. We had a storm hit
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  Speaker 2: on a Friday. We had some of our people go
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  Speaker 2: up there on Saturday just to go back to our
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  Speaker 2: past cause corson just kind of get the feel. Okay,
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  Speaker 2: there were storm chasers everywhere. They were replacing roofs on Monday.
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  Speaker 2: Oh that's not necessary, you don't have don't panic, well panic,
• 14:18
  Speaker 2: don't panic because there's a lot of local companies that
• 14:20
  Speaker 2: can still help you with your insurance work and get
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  Speaker 2: you a great and get you a great price, and
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  Speaker 2: get you a great roof and give you other options.
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  Speaker 2: So if storm hits again, your home is going to
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  Speaker 2: be better protected.
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  Speaker 1: It's and as we talk with Andrew Larsen and of
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  Speaker 1: Largstome Services, it's out there and unfortunately we're going to
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  Speaker 1: go through the season, we'll hear horror stories and I
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  Speaker 1: know Andrew, folks will call you and say, I don't
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  Speaker 1: know what happened, but here's what happened. And you don't
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  Speaker 1: want to make that mistake. As Andrew points out, when
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  Speaker 1: it comes to damage, you know, roof damage and other things,
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  Speaker 1: if you tail damage that stuff again, it can be
• 14:51
  Speaker 1: dealt with, it can be taking care of. As a
• 14:52
  Speaker 1: matter of fact, Andrew and the team at Large Home Services,
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  Speaker 1: they do phenomenal work. It's not a high pressure thing.
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  Speaker 1: It's hey, here's here's the education, here's what we can offer.
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  Speaker 1: You take your time and you make up your mind
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  Speaker 1: and make that right decision. That's as a matter of fact,
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  Speaker 1: we've talked about this years ago we had Andrew put
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  Speaker 1: a roof on our house. You wouldn't be able to
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  Speaker 1: tell that it was years ago. It still looks brand new.
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  Speaker 1: It is absolutely beautiful art telphone number six so eight
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  Speaker 1: five three five forty three forty three. That's five three
• 15:15
  Speaker 1: five four three four three. Check them out online Larsenhomeservices
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  Speaker 1: dot com. That's l A R. S O N Home
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  Speaker 1: Services dot com. Andrew, it's always great chatting with you
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  Speaker 1: and you enjoy this fantastic dam.
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  Speaker 2: We'll do it all again in seven sounds good. See
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  Speaker 2: you next week.
• 15:29
  Speaker 1: Kevin Hamham's Arbacare joins us next here on thirteen ten.
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  Speaker 1: Do w u ib a