Troy Johnson - The Adjustment Firm - 6/14/2025

Full show from the Donovan & Jorgenson Heating & Cooling Studio: Saturday, June 14th, 2025

Episode Transcript

Speaker 1 (00:00):
Welcome to the Creative Construction of Wisconsin home improvement show
on Fox Sports nine twenty and your iHeart Radio app.
We're live from the Donovansion, Jurgis and Heating and Cooling
Studios on Bingo Wommen. Mike is out. Mike is out.
He's a special fatday. But uh so I'm here and

(00:23):
I'm being women's I'm the owner of Creative Construction. We
have some special guests who aren't here yet. Adjustment Company.
They went there. They went to our business, our Creative
Construction headquarters instead of coming to the Donovan and Georgis
and Heating and Cooling studios. So there was a miscommunication there.
So they'll be in later. They'll be in later when
you get here. I we'll get back to them. But

(00:45):
otherwise it is happy Father's Day weekend. I don't know
if you guys have any plans, Spencer, you got any
plans going on?

Speaker 2 (00:54):
I think I got bruised tomorrow. Otherwise, not too much
going on.

Speaker 1 (00:58):
Now, you're who are they playing tomorrow? Tomorrow?

Speaker 2 (01:00):
They got the Cardinals again, Game four, Game three today
and Game four tomorrow. They won the first two, so
that's a good thing.

Speaker 3 (01:05):
Yeah, I like their colors.

Speaker 2 (01:07):
Yeah, yeah, red. Obviously you got the read shirt on.

Speaker 1 (01:10):
So yeah, we're having our We're doing our Father's Day
later on today. We're doing it because you know, we
get different families do different things, but today is our
family that we're doing ours over the lake house, have
a lot of fun, granddaughter and stuff is coming over.
So it's be a good time for.

Speaker 2 (01:25):
Us, good n nice weekend to relax and should be
good weather for.

Speaker 1 (01:29):
It, right, Yeah, we're looking forward to it, Okay, and
then uh, as far as our business goes, I'm away
supposed to a little note eared off our business. We're
pretty much full for the year for outside work. We
keep a few openings for emergency some people can't get
insurance to get something fixed. To get that, we try
to keep a couple openings. But we're filled up and
we're starting on we're working on a winter season for fall,

(01:51):
and it's just hard to believe that we're actually, you know,
we're filling up our fall season with our plaster work.
So anybody's got any plaster work, we're trying to get
them to hold off until the winter season. Just trying
to stay up with their customers. So keep my daughter happy.
And you know they're telling people, Hey, we've got emergency
stucko job. We can help you out, but we're not
really available. She just assumed I would just tell you guys,

(02:12):
we're really not available. But it's great, it's a great
it's a great feeling to have too much work. So anyways,
in a little bit here, I actually got Eric from
Mishaps Solutions also be coming in coming in today, but
we're waiting for our friends from Troy Johnson and Josh
Hanson are supposed to be from an adjustment firm, but

(02:33):
they went to the wrong place. So anyways, and I
think today is also June fourteenth, it's it's a flag day.
I noticed a lot of stuff going on. I think
it's a military flag day or something so gratuate. So
I want to thank free people people for all their
service that we're in the Army, the Navy. I guess
sister was in the army, you know that take her
for his service. It's a it's a it's a it's

(02:55):
a great thing for those people that that they gave
her life for his country. You know, they do things
like that, and it makes it just you know, you
got you gotta learn to appreciate. I don't know, some people
get mad at the Army guys, but I don't want
to get political here or anything, but it just I
really appreciate for everything that they do.

Speaker 2 (03:14):
What what projects are you guys working on right now?

Speaker 1 (03:18):
Well, we got we got stuff going on. We got
a lot of stucco jobs, a lot of sterior stucco.
You know that's there's a got that product called Eve's.
It's a synthetic stucco that's out there that's caused a
lot of havoc for people to for realtors, insurance companies,
and some banks won't give them loans now on those
kind of homes, and so we got to go around.
We got to do a lot of repairs to get

(03:39):
those things, get those things repaired. Window companies won't even stall,
don't want to install windows with that eve stuff anymore.
You know, there's ease replacement windows because all the problems
you have with that. So we have to do a
lot of stuff to try to keep all those people happy.
And then I was gonna ask you what our shows
do you do besides the show?

Speaker 2 (04:00):
So pretty much is this one? And then if I
need to fill in for Greg on w I send
and if you take some time off, I'm over there
as well sometimes but that's a few and far between.
But mainly here.

Speaker 1 (04:13):
I just wonder if you did something else besides coming
here on Saturdays. So that's whenever I see.

Speaker 2 (04:17):
You, yeap, just Saturdays for now and whatever else, you know,
filling work needs to be done.

Speaker 1 (04:24):
She does does show about Spencer, So what else do
you do?

Speaker 2 (04:26):
Spencer work full time at Walmart in the auto department.
I'm up in Sheboygan and then cover cover games, packers, Bucks,
Brewers from Wisconsin Rated Network, and then part time here.

Speaker 1 (04:42):
So you come all the way down from where do
you live.

Speaker 2 (04:43):
All the way down from Sheboygan.

Speaker 1 (04:45):
You come out for Sheboygan and produce this to produce
this show, yeah, high intensity show. Yeah awesome, Yeah, that's awesome. Yeah.
And as part as as our companies go, and my
son and daughter are taking over, so they're pretty much
calling most of their shots. I get to do more
of the fun stuff. Do some meetings. We spent a lot.
We had a meeting Thursday night, I guess kind of

(05:05):
like a seminar contractors, and we started talking about AI.
How AI is just taking over everything. People are using
AI for contracts, They're using AI to respond to emails,
use AI for just about everything. And then yeah, they
use an AI for like you. Guy was just showing
me how to, like if you're just mad at a customer,

(05:28):
how to use AI and how to turn it around
and how to get people to collect and it's just
how and he just you know, a guy was like,
he's like swearing, he's Louis, I'm really mad at this
guy for this, this and this, and then yet that
AI comes in there and just changes all around. It
makes it sound like a really nice letter. And uh,
and I'm just thinking about it. I'm getting I'm on

(05:48):
the way out. But you know, my kids with their
AI and all that stuff, that's gotta be a big
part of it right now to be doing that. So anyways,
we have a special guest, an unannounced guest that was
at the schedule today. We have Eric from Mishap Solutions.
It's going to try to help me out here because
our guests did not show up. They have to win

(06:09):
the wrong place. So Eric stepped in here to help
me out here. So Eric, how you doing.

Speaker 3 (06:12):
I'm doing great, Bingo. It's good to see you man.

Speaker 1 (06:15):
Yeah, you still still a carpenter. Yeah, yeah, I know
what you do. He's a historical restoration carpenter. We've but
we did a lot of work for a lot of
years together. There's a lot of stuff. So what products
are you working on right now?

Speaker 3 (06:27):
Well? The same stuff that when I was working with you?
Now do you remember? I mean I started my own
business in September and then got really launched in December,
and I used to be Bengos lead carpenter for five years.

Speaker 1 (06:40):
Yeah, for five years or so. I know, I know
we're still working on jobs together, and they're doing on
the Highlands together where you're doing all the tram and
we're doing the stocker work. So what are products you're
working on?

Speaker 3 (06:51):
I have more odds and ends, but I got a
couple of big ones going on a lot of rotting
window problems because that's my specialty. Yeah, you still work
on lets windows yet, yes, still soldering them, doing the
repairs on the leaded glass. Yeah.

Speaker 1 (07:04):
Yeah, because yeah, because we ever went so I get
someone asked me about you guys do lead windows. Ah,
we can, but we prefer that you call Eric to
do it.

Speaker 3 (07:12):
Well, I just I just got the fancy soldering, gun
to do it well, to do copper work as well.

Speaker 1 (07:19):
He's at the special tool wasted the old fashioned eat
it up with a bowl of torch.

Speaker 3 (07:23):
Yeah, we avoid that. I got I got the fancy
tools now. But yeah, dude, copper soldering, And that's been
a lot of fun lately, just doing a lot of
these unique jobs. You remember how it used to go.
It's the same stuff that I was doing there, minus
stuck own plaster.

Speaker 1 (07:39):
Yeah, so what kind of Well, I know you're new
in their business. I can't ask you about trends because
you know what. We're busy. I just talked about this
a little while ago, how busy we are. So how
about booked out? Are you? I know you're because I
got to do a job with you where we told
the customer we can't get to until July sometime together.
So I know you' getting booked up for a while.

Speaker 3 (07:58):
Well yeah, that guy he's got to wait till July, unfortunately,
But I want to say I'm booked out till maybe September.

Speaker 1 (08:07):
All right, all right, you're taking what's your When someone calls,
what's your favorites job? That's my language favorite job? What's
your favorite job. Favorite job is that you when you
get a phone call and you get one of these
job that someone says I want you to do this,
You're like, yes, that's awesome.

Speaker 3 (08:22):
You know what. I got to say the jobs that
where I'm absolutely needed and appreciate it. So let's say,
you know, there's water coming in and nobody knows what
to do. How do we fix this? I come in,
I save the day, you know, and then I'm the
hero and I feel really good about that.

Speaker 1 (08:39):
Well, that's what That's why I'm glad you well in
in the old days, you know, that's how it was.
That's why we got along so good together because our
favorite thing to do was to do a job that
everybody says they couldn't do, and then you and I
would put it together.

Speaker 3 (08:51):
Yeah, that was Those are some of the best years
of my life.

Speaker 1 (08:54):
You know that, right? I don't know. I remem when
you were first brand new, just learn how to how
to dip it, pay anything a paintbrush.

Speaker 3 (09:01):
Okay, well that was back when I worked with story Heard.
It's come a long way.

Speaker 1 (09:08):
So anyways, so our guess is in the right studio
now he went there a went to our shop instead
of the Donovan of Jorgis and Sue Studios.

Speaker 4 (09:21):
I am Johnson with the adjustment firm in Midwest. Lost
of bracers.

Speaker 1 (09:24):
Okay, okay, Troy, And how long you been with the firm.

Speaker 4 (09:28):
We started the firm thirteen years ago. My business partner,
Josh and I started in Minnesota. We did a lot
of work in Iowa, Nebraska, Wisconsin, throughout the Midwest.

Speaker 3 (09:39):
That's pretty cool. I like that it's all over the place.

Speaker 1 (09:42):
We do.

Speaker 3 (09:42):
We all sorts of cool new things, and.

Speaker 4 (09:44):
We do because we work with on behalf of policy
holders and negotiate claims with insurance companies. We end up
pretty much wherever we're called is where we go.

Speaker 1 (09:53):
Oy. Yeah, I was doing a lot of your research
for you guys before you got here and something. And
then it turns out your partner and Josh, he was
in a fire. His house had a fire. Correct ten
years old and as I started a whole correct.

Speaker 4 (10:05):
Yep, yep. So he and I worked for a contracting company.
Early on. We dealt with insurance companies on a daily basis.
Everything was seemed to be going very well. As everybody
knows who's had an insurance claim. Insurance claims are very
unique and tedious. They're very everything has to be done
a very specific way in order for things to go smooth,

(10:26):
if you will, and not a lot of guys back then,
thirteen years ago knew how to negotiate that. So he
and I, after working with a contractor his family actually
his family's business, decided that there's a better way. There's
a better way for us to help customers, help contractors
and try to create a concept or a business that
revolves around making contractors and insurance companies kind to come together,

(10:48):
if you will, and create a package that everybody understands
and can move forward and get claims results.

Speaker 1 (10:54):
Hey, I just want to we'll go back to that
Josh experience because I just you know, get down as
a note here that so what happened. He was sixteen
years old in his house had a fire.

Speaker 4 (11:03):
Yeah, their house had a fire burned the house fought
with the insurance company to try to get what was
right for them, only to run into roadblock after roadblock
after roadblock, going to court. Just it's fires are the
worst of everything right for homeowners, especially because they're so complex.
Everything's gone generally and it's very hard to recreate that

(11:23):
piece of the puzzle when everything has disappeared. It's very
hard to document things the way they need to be
documented in order for the insurance company to understand what
you're asking for.

Speaker 3 (11:31):
Well, you know what's really scaring me right now is
that my house burned down about thirteen years ago. Okay, oh,
I was a total loss. I was nineteen at the time.
But when I say my house, I mean it was
actually my mother's house. But okay, yeah, yeah.

Speaker 4 (11:44):
We run into that often, and it's terrible when there's
a total loss. And is what is just as bad
as when you have a house that burns halfway because
you have everybody can see all their stuff. They can
see it's damage. They can't access it's it's covered in
debris and smoke and water, dam image and mold and
everything that comes with a bad fire.

Speaker 1 (12:02):
Okay, well, I do stuff, as you know, at a
lot of restoration companies A do like this. And when
someone has a fire, what's the first thing you do
besides call an insurance company? Because I know it when
I when I go to stuff, they tell people stop
cleaning up to stop.

Speaker 4 (12:16):
Yes, that's a huge thank you. That's a great point.
No matter what industry you're in, whether it's a tornado
that came through a hurricane. The worst thing you can
do is just start moving. The best thing to do
is document. Get your camera out, get your phone out,
document everything, Take pictures. You can never have too many
pictures on a simple hal damage claim. Let's say I
probably have three to five hundred pictures of the exterior

(12:38):
of a house. Because pictures are everything. We can always
go back to a picture and say, oh, there it is,
that's what's missing, that's what we forgot home. When it
comes to fires, are the same thing. Number one thing
I would say is be careful. There's a lot of
things going on in a fire that people are very
unaware of. Safety issues, floors, trust has burned out that
you can't maybe necessarily see from the naked eye. But

(12:58):
when a contractor gets in there, they're going to find
They're going to find things you didn't know we're there,
and you can get yourself in a pickle. I was
in the house last week. It was a basement fire,
didn't seem like a big deal. I walked in, it
was all got it out. I took about six steps
in and the whole floor shifted about four inches. Down.
If you looked at it from the outside, you would
never guess this could ever happen. But all the floor
trusses in the basement were burned out. You just couldn't

(13:20):
see it. It literally was not an ounce of smoke
damage on the main field.

Speaker 1 (13:23):
A lot of people that don't know what there. I
did it. There was a fire that's been long enough
on Wisconsin. I don't maybe no exactly I'm talking about,
but there was there was a fire there and we
did some plaster work for them a couple of months
before the fire, and the guy they called me up
and says, can you come over here. We just had
a fire and we went you to look at our
dining room. I went. When I went there, the fire
truck was still there. There was sprinkling salt on a

(13:44):
sidewalks because it was so cold. Everything was rolling over
and I said, you need to call something. So I
told them to call service Master and they called service Master.
You gotta call something to do that, because that's the
first thing I did. I talked to Sup from Service Master.
He goes, yeah, tell them not to touch anything. I
don't touch anything. So documented, But you're not like one
of you're not a restoration guy. You're not. What you
are is the guy that when your insurance company says no,

(14:06):
that's what you are. And the reason why I the
reason I got to know you guys, is we have
some customers. They have some damages and he said, our
insurance company won't cover. And I go, that's not that's
not that's not true, right, This is what insurance company people,
I say, don't take a personal insurance companies like to
say no because they're hoping that you know that they
you know, they don't want to pay at least a
month they have to so anyway, so your job, and

(14:26):
you actually work on a continguency basis is you help
people collect their insurance and if you can't get them
more money, you guys will walk away with no pay.

Speaker 4 (14:35):
Absolutely, and that's never happened, by the way, in thirteen years,
we've never walked away from a customer where we didn't
increase their claim. One of the reasons is we take
a look at every single claim individually because everything is
independent of each other. So we look at every claim.
Every house doesn't matter if it's water damage, smoke damage, uh,
it could be anything, and we look at them and go, Okay,
this either fits in the box. It should be covered
or it shouldn't. Some things aren't covered, right. We all

(14:57):
know that most of the things are insurance policy. They're
very tedious, they're very hard to understand, and to be real,
they're written by attorneys and we don't necessarily speak their language.
So there's a lot of this is covered, and then
later on in the policy it's not covered. So we
step in where professionals that negotiate and insurance claims. We
understand policy language very well. My business partner Josh reads

(15:18):
it every single day. He enjoys that type of stuff.
I'm the field guy. I like to go get on
roofs and investigate do more of that side of things.
So it's really a great mix where I can report
back to him with the information he can report back
to me. We dig into people's policies for him and
really find out what they're really old. It really comes
down to what are you owed?

Speaker 1 (15:36):
Yeah, I was just talking Eric wo for what kind
of job you know entices him the most? Okay, So
when you when someone calls you up and says we
have a problem with an insurance company, what kind of
job do you like? You when someone calls you and
says this, oh oh man, dorimt, I got your bag.

Speaker 4 (15:50):
You know, for us, because we've done thousands and thousands
and thousands of claims, we really enjoy looking at all
of them. But I would say, what really what makes
me tick, what I really enjoy is I really enjoy
the restoration side and doing inspections for hail damage, tornado damage,
things like that. I really enjoy the hail damage portion
of it because I've done it for so long. I

(16:11):
climb and inspect millions of square photo roofs every single year.

Speaker 3 (16:14):
How do you feel about the roofing and siding companies
that just roll in after a little bit of hail
hits the ground.

Speaker 4 (16:20):
That's you know, that's a tough one. And I be
careful not to not to necessarily talk bad about anybody, right,
we gotta have to be careful. But there is an
issue in our industry and probably every industry.

Speaker 1 (16:31):
They actuallys they do. I mean, they knows who they are,
and people fall victims to them. Every single time.

Speaker 3 (16:39):
I've seen I've seen bad work done. I mean again,
I'm not trying to throw anyone on the bus, but
we know the good ones and we know the bad
ones and that's the key, right Yeah.

Speaker 4 (16:48):
And what I always say is to the homeowners is you, guys,
you have to do your due diligence. If you spend
a few minutes online, you can weed out the bad
ones really easily. Because we all know in our businesses
you can do ten really good things and never get noticed.
If you do one thing that's not good, people are
going to call you out on it. So I say,
look at reviews, ask questions, ask for referrals, all those things.

(17:09):
Where are you folks from? You know, if you have
a major, major, major catastrophe, those people are needed to
get jobs done, right. You have to have outside help.
If you have ten thousand houses that needs roofs, let's
say from a hailstorm. Without those influx of those people,
the work will never get done. The key is to
vet them, just like everything else. Who are the how
long have they been in business? Are they certified? All

(17:29):
those good questions?

Speaker 3 (17:31):
Right?

Speaker 1 (17:31):
Yeah?

Speaker 3 (17:32):
What?

Speaker 1 (17:33):
Yeah? So when you I'm just I'm just starting to
think about how to say it out. So when you
when someone gets a claim, okay, what kind of I'm
just saying, when you get a claim, what's like a
memorable experience. So people because you know, they for good
sometimes for good examples, especially on the radio, people your
experiences like when someone says, because we get this all
the time, right then come through there, something happens, they're roof,
they say, we won't cover the roof, but will pay

(17:55):
for the plaster inside. What is it? What is it
that memorable experience that you can you know, so people
can relate to how you help people out.

Speaker 4 (18:02):
Well, I'll tell you and I think my business partner
Josh might even agree to this one. When he and
I first started out our firm, we were like everybody else,
you start with the small stuff, anything you can get initially,
you know, thirteen years ago and we helped this older
gal in the Twin Cities named Adeline. Watched her. I'll
never forget her name. This was thirteen years she was
probably in her eighties. Back then, she lived in a townhouse.

(18:23):
We had major ice dams. We had five six feet
of snow. It came really quickly in December, but then
we had forty degree weather. It melted, created monster ice
dams on her townhouse flooded. Her whole townhouse was flooded
with water. It was awful. Her sheet rock was falling
on the floor, her ceilings were sitting on her kitchen table.
The insurance company came out and said, we're not going
to cover any of it. You should have removed the

(18:44):
ice dams. They told that to an eighty year old lady.

Speaker 3 (18:47):
And this happened. That it sound fair, it wasn't.

Speaker 4 (18:49):
And it happened overnight. By the way, this wasn't a
situation where this happened over weeks. We had a forty
degree warm up with rain after four feet of snow,
So this happened in one day. This poor lady's house
was flooded. We meet the insurance So the insurance company
comes out, No, we're not covering it. We fight the
insurance company. We get them to cover the ice am removal.
That was several thousands of dollars. Remember this is an

(19:09):
eight year old lady on a fixed income. She had
she didn't really have anything, you guys, It was just her.

Speaker 1 (19:13):
Yeah, yeah, she's not gonna do me. Yeah, Bill, go
out there and a walker.

Speaker 4 (19:18):
And that was exactly You're exactly correct. So we worked
through the through the process. I got one adjuster out there,
then I got another adjuster. I think I had three
adjusters out there before I finally got to the guy
that understood what was really happening. And we fought that
claim for about six months and they ended up paying
pretty much remodeled the whole hole inside of our house
by the time we were done with them.

Speaker 3 (19:36):
That's amazing, you know you did. That's that's a big deal.
That's it, And that's why isn't nobody was going to
do that for her? What would she have done? That's
and that's what we thought. We're like, do we really
want to take a claim that's that small? And we're like, yeah,
we do want to. We got to understand whether we
do a claim for for for Adeline that was a
fifteen or five thousand dollars claim, I don't even remember

(19:57):
the dollar, or we do a million dollar claim. There's
still that.

Speaker 4 (20:01):
Responsibility that we have where we feel like we've got
to try to help if we can, because if not us,
who right? If if there's somebody that can't do the stucco,
who's going to do it? There has to be these
bodies here to do it. We have to have people
that are willing to step out of their comfort zone
push forward, even when we know it's going to be
the hard fight. The hard fights are always the best
fights for us. That's where the winds come in.

Speaker 3 (20:22):
Right, that's good.

Speaker 4 (20:23):
It's not the easy stuff. It's always the hard fight.

Speaker 3 (20:25):
That's where we need. So you know, I wouldn't hire
you guys if I had gotten a car crash and
you're like, yeah, we'll just give you the price of
your car. You're like, Okay, that's kind of what I expect.
You know, nobody's hurt, my car is just messed up whatever.
But yeah, when it comes to your house, you know,
there's a lot of hidden things that people won't see.
And I'm sure that's where you get a lot of
that extra.

Speaker 4 (20:41):
We do, and we train ourselves every year we do it.
We do a tremendous amount of training to see how
the industry changes, whether it's roofing, siding, windows. I've learned
a tremendous amount of stuff on the stucco end after
being in Wisconsin rapids.

Speaker 1 (20:54):
Yeah, we talked a little bit about eves and yeah,
that much. The problem with the with ale damage with
the is it's a year or so before it shows up.
You don't see it. You don't see the dance and
you know then I'm walking around a conwalk and so, oh,
you had that hailstorm last year, is what do you mean?
We are we settled on it now it's hold put
the same claim. So anyways, Uh, this is the Creative
Construction Wisconsin Home Improvement Show on Spots Sports nine twenty

(21:18):
on your right heir radio app. We're going to break
right now, right back from live from the Donovan and
Jeugison Eating Cooling Studios. Thank you, Welcome to the Creative
Construction of Wisconsin Home Improvement Show on Fox Sports nine
twenty and I hear radio app. We're live from the
Donovans and Jurgison's heating and cooling studios. Our special guest
is Troy Johnson from a Justin firm and another special

(21:39):
guest Air from Misap Solutions. We're talking about insurance and
he says he's not an insurance guy. He's the guy
that helps you win an insurance company as giving you
a hassle or telling you no, that's what that's what
he does. He does for a living. And so yeah,
we recommend this firm when we have our customer that says, well,
insurance company won't cover it. I go, that's not true,
and that's what he does for a living. So what

(22:02):
so what changes you were talking about off the air,
about changes and adjustment firms, And I like this. You
said a really good advice too. You know what you
should like today, take a videotape explain that process.

Speaker 4 (22:13):
So we run into customers, unfortunately that have fires or tornadoes,
even that's been a big one in the past, where
it wipes out their whole entire house, and they don't
have very good documentation to show what they've lost. Because
you have to remember, an insurance you have a responsibility
as a policy holder to prove your loss. And the
proof of the loss could be as simple as taking pictures.

(22:35):
What I always tell people, get your camera out on
your phone, do a video walk through every single room
in your house, and just videotape everything you have, because
after a loss, you're never going to remember how many
pillows you had, exactly, how many pictures were on the wall,
how many forks, how many spoons, and that's all coverage
that you paid for, and eventually you're going to have
to buy it, and the insurance company will pay for

(22:57):
it if you can provide them the information to let
them pay for it, but they have to have documentation.
There's a burden of proof rule that falls in insurance,
and that is you have to prove your loss. The
insured has a responsibility to prove their losses, not necessarily
the insurance company's responsibility to prove it. It's actually the
homeowners or policyholders responsibility. So that's really important.

Speaker 3 (23:17):
How do you feel about like maximums and stuff or
like limits? For instance, you know, with all the home
values going up so fast and such a short amount
of time, I mean, should you update your coverage.

Speaker 1 (23:30):
If we are limiting flood damage too.

Speaker 4 (23:32):
Yes, they are.

Speaker 1 (23:32):
They're taking those off and they're really regretting that.

Speaker 4 (23:34):
Yes, flood is a really tough one because it's under
the FEMA program, of course, and everything through them, because
it's run by the government, is quite sophisticated and very
hard to understand and maneuver through. That's for sure. But
as far as policy limits are concerned, we tell all
of our customers, regardless if we work with them or not,
when I talk to them, I always say, go to

(23:55):
your agent. Have your agent break down your coverage is.
Make sure that you have the amount of coverage that
you need on everything for contents, for loss of use,
other structures. A lot of people add garages, pole barns
to their house, to their property, but they never call
their agent. You have to call your agentury that's not
going to be covered. You do have other structures coverage
on your policy if you've already had another structure. But

(24:15):
if you go add a fifty thousand dollars poll barn
and you don't call your agent and it burns down,
you're going to have a very hard hard time getting
that covered.

Speaker 1 (24:23):
So it's not listed in well, this is ihiar radio app.
So anyways, we got to actually got a thing from Miami,
Florida right as we use for Miami said we have
separate wind coverage because of hurricanes. I guess several windkers.
Does Wisconsin have that with tornados?

Speaker 4 (24:39):
We don't. We don't. That falls under the standard homeowner policy.
But when you get down to the hurricane coverage issue,
like us in our floods similar Yeah.

Speaker 1 (24:48):
Just like flood because there's a lot of people don't
aren't taking a flood damage correct, and they're regretting it later.

Speaker 4 (24:54):
I would say that one of the biggest pieces of
information I would like to share with customers and contractors
alike would be get your policy. It is absolutely one
percent your responsibility to review your policy. Nobody's going to
do it for you. Your agent will do their very best.
But they have a thousand people just like you.

Speaker 1 (25:09):
You go to people's houses all the time, they're in
trouble with their insurance company. How many of them actually
read their policy?

Speaker 4 (25:15):
Never? I think maybe in thirteen years I probably have
had five people, I'm sure, and that might be high
that I have said, yeah, I know my policy, this
is covered or that's covered, and nobody knows. Nobody hardly
knows generally what happens. I say, who's your insurance company, Well,
let's build down at the agency or.

Speaker 3 (25:31):
No, that's not your insurance company, that's your agent. Does
just call that guy right like that guy's not going
to try.

Speaker 1 (25:36):
To help you. Yeah, we have a Nick from Nick
Star from you know, he does you know his insurance,
but he's really not an insurance he's not your company
to come from Franking youth right exactly, it's not who
you think it is. Yes, I get that part.

Speaker 4 (25:47):
Yeah, so so it's really important to do that to
get that policy out, read that policy or if you
can't understand it because they are tedious and they're hard
to understand. Have your agent explain it. They're more than
happy to do that stuff. They actually enjoy. Agents like
to get the phone call that says, we explain this
to me because they love that stuff.

Speaker 3 (26:03):
That's well, that's that's say. I've read my policy. I have,
I promise I have, and I'm looking at all the
coverages and one, you know, everything's worth and it's still
it's really hard to make sense of it. It is
an agent, you know. They just they say so much stuff.
I'm like, okay, all right, uh, you know, I fix houses.
I don't do this stuff. I don't know anything about it.
But that's where someone like you would really help out.

Speaker 4 (26:25):
Absolutely.

Speaker 1 (26:26):
Oh yeah, yeah, what I haven't we haven't done yet
in this show is okay, someone has someone insurance company says, no,
how they contact you, I'll they find.

Speaker 4 (26:34):
You so you can get you can get a hold
of us to be our website the adjustment firm dot com.
That that's the easiest way and just pop onto there.
We show up on all the Google searches h Republic
Insurance Adjusters.

Speaker 1 (26:47):
Is someone struggling today, do you have a phone number.

Speaker 4 (26:50):
I do, I do. I'll get that out of my
phone here, because we just went to a new system
for phones.

Speaker 1 (26:54):
So is it a twenty was one or twenty four
hour services?

Speaker 4 (26:58):
It is? It initially will be, but then you'll get
a call back. So the phone number I would give
if you don't, if you choose not to go through
the website, would be uh seven one, five, three six
eight two eight two four.

Speaker 1 (27:11):
Yea, because I'm talking about you know, we talked about
the eight year old lady. She just doesn't want to
go on a website that's wants to talk to somebody.

Speaker 4 (27:17):
Valid point.

Speaker 1 (27:17):
Yeah, she wants to talk to somebody because she's in trouble.

Speaker 4 (27:20):
Yep.

Speaker 1 (27:20):
So I mean and uh, and you guys don't charge
unless you help them exactly, TV guys, you say no,
no fee, no pay or something.

Speaker 4 (27:30):
Right right, No, Like I said, we've never we've never
been in a situation where we haven't where where we've
not taken a fee for our services. But there has
been a lot of situations where we'll go out to
customer's houses, like they'll say, hey, we were told we
have storm damage. We don't know if it's hail damage
or not will you come and look. Absolutely, will come
and look. I've got people on the ground that come
and inspect, especially commercial properties because they're very very unique

(27:53):
in design and style and not just everybody knows how
to identify damage to those buildings. So you need somebody
that that just this is what they do.

Speaker 1 (28:00):
Yeah, and then you always get to they call them opportunists,
sort of like someone and I was gonna you know,
when you see someone doesn't really have insurance, they go, hey,
we can insurance company won't pay for that. You go
look at that and go, yeah, I'm kind of on
the insurance.

Speaker 4 (28:13):
That does happen where I get calls. I've I've walked
a lot of roofs in my career where where they
say the contractor or the homeowner might think they have damage,
and I explained to them, no, that's actually not damage.
You have a roof that's wore out, or what you're
looking at is liking growth. It's like moss on your roof.
It's it's absolutely not damage from the ground.

Speaker 3 (28:30):
It looks like I mean, I've seen that. Yeah, I've
refused to go on roofs that are too mossy. Yeah,
they're like slippery nightmares.

Speaker 4 (28:36):
Yes they are. You can fall quickly.

Speaker 1 (28:38):
We actually we actually will clean thosepecially clear title roofs
that they get really moss like this. Yeah, super hiers
because you know, we do a lot of restoration, that's
what we do, and we'll actually clean those off. Even
thought about slippery. You clean that moss off. It's got
a nice slip to it.

Speaker 4 (28:51):
Yes, it does. It's like ice. Yeah.

Speaker 1 (28:54):
Well before you got here, I was, you know, trying
to kill some airtime. So we're talking about AI. How
does AI change your business?

Speaker 4 (29:03):
One interesting thing. I don't dabble with AI as much
as my business partner does. He does a lot.

Speaker 1 (29:08):
But I know what you guys like now, like, oh
I use this. You look at someone set, you'll go
you take satellite images?

Speaker 4 (29:15):
I do I do that measure? Yes, seconds, yep, I
can measure. I can measure this building in probably about
five minutes and give me a pretty good idea of
what I'm looking at. If it were a pitch roof,
I would know the pitches, things like that, how to
access it.

Speaker 3 (29:26):
That's pretty cool. Yeah.

Speaker 4 (29:28):
Another thing AI works great for is asking a simple
question did it hail at this location on this date?
And it will give me every hale report for the
last ten years for this location.

Speaker 3 (29:38):
Well that's that's what pretty unique. AI is really good for.
Is like research calculations, yes, but definitely not advice, right exactly. Yeah, Well,
I did a lot of reading lately into AI and
it's actually it's not as human as everyone thinks it is.
And I've I've played with that for hours, just asking
it weird questions. But I could definitely identify if I'm

(29:59):
talking AI or a person. After I want to say
about twenty minutes.

Speaker 4 (30:03):
Yeah, it's getting it's getting to be quite sophisticated and
how it.

Speaker 3 (30:06):
Operates, but it's it's predictable, it's answers, it's you'll you'll
know eventually you're not talking.

Speaker 1 (30:11):
About I'm not gonna worry about it.

Speaker 4 (30:13):
I'm gonna try to learn, right, you.

Speaker 1 (30:15):
Know, my daughter and Zach, you know they're gonna they
have no choice.

Speaker 3 (30:18):
Say I'm thirty two, I have to Yeah, yeah.

Speaker 1 (30:21):
I'm gonna. I'm on the way out. So I was
just saying about when you get, uh, fire damage water damage,
because a lot of times when I go to jobs
there fire damage. It's not the fire that's the problem.
It's all water to be dumped on the thing. Yes, again,
all the ceilings you know, bedroom fire, right, there's nothing
really fixed the bedroom, it's all the stuff down below.
I get wrecked from all the water because apparently it's

(30:44):
a contest who can dump the most water on the fire.
So what do you That's what's hardest for you to
part to collect the water damage fire damage.

Speaker 4 (30:53):
Water damage is really tough generally because when water damage
happens from the you know, the fire department's job is
to get out there make sure everybody safe. They're not
there to save your coach. They're there to make sure
you're okay, and that's it. So if they dump a
thousand gallons of water in there to make sure you're okay,
so be it. The water always starts on the top
and goes down, as you know, and it recks pretty
much everything in its path, and so it's very hard

(31:14):
to kind of separate everything that's going to be considered
no longer usable and should be destroyed and thrown away
and replaced, versus things that can be cleaned, hard surfaces
that can be cleaned and reused. Those are very difficult.
The other part of fires that most people don't understand
is the smoke damage piece of it. Just because you
don't see the smoke damage, it doesn't mean it's not there.

(31:36):
Anything we burn anymore is generally synthetic, and all these
synthetics put off acids, they put on chemical compounds, VOCs,
things like this that are now trapped in your house
and you have to deal with those, and there's not
a lot of people that know how to do that.
We higher industrial hygienists is what they're called to do
that for us, because they are trained and licensed in
that field to come in there and sample the air,

(31:57):
sample every single thing in here to make sure that
there's not and smoke damage that could affect you later
because there are things within smoke that can that can
over long periods of time, no different than mold, that
will absolutely affect your health.

Speaker 1 (32:09):
I didn't know about that because yeah, I didn't know
because a lot of times, you know, I say, reustration company,
they painted and kills and you walk away.

Speaker 4 (32:15):
Exactly.

Speaker 1 (32:15):
Sometimes it kills. Is more more VLCs.

Speaker 4 (32:18):
Than the smoke, Absolutely it is, yeah, But then.

Speaker 1 (32:20):
But that's what they do. That's what insurance wants them
to do.

Speaker 4 (32:23):
No chancefer that's that's exactly right, And that's a that's
an important thing that you just brought up because and
this is a fight I've had over and over again
hundreds of times with adjusters and we win eventually. Is
if I have smoke damage on this wall or fire
damage and I put kills over it, that might encapsulate it.
That's what they're looking for. Encapsulation. Well, that's not how
I started. My house wasn't encapsulated when I started. Number one.

(32:45):
But number two, Let's say my wife or somebody my
mom wants to go put a hole in the wall
to hang a picture. She's now she's now taken away
that encapsulation, so.

Speaker 3 (32:55):
That barriers barrier has been broken. Well, it's the same
with blood paint. It is exactly the same.

Speaker 4 (33:00):
Yes, yeah, you're exactly correct.

Speaker 3 (33:02):
Scrape it and paint it, you know. But you know,
I tell people, Hey, you know that only works for
so long. Yeah, it's sixteen seventeen, whatever, twenty thirty years
from now, the paintals start to peel, and then you're
back back where you were.

Speaker 4 (33:14):
That's right.

Speaker 3 (33:15):
That's how you need a guy like Bingal to do
the plaster work. So that's where we're going to find
that stuff right exactly.

Speaker 1 (33:19):
I had a couple of questions came in and we
know how Josh got in a business, and this is
least the other question, how did you get into this business?

Speaker 4 (33:28):
Well, that's kind of interesting. So I got into this business.
I worked with Josh and his family and their family
construction business, and we worked in a tornado ravaged area
in Iowa. And as the contract, this whole town was
hit by an F three tornado. It blasted this poor
town town of probably around twenty five hundred people. Beautiful town, great,

(33:49):
just a beautiful town. Hit the town hard. Every roof
within the whole town was hit. The nursing home was hit,
all the churches were hit, everything was debris ridden.

Speaker 3 (33:58):
It was awful.

Speaker 4 (33:59):
So we went in there, we mobilized, We went down there,
We knew some people there, we helped out. What ended
up happening is we started to get I gotta be careful.
Insurance companies are adjusters that would put up a brick
wall and just say no, we're not paying for that.
No we're not paying for that. Yeah, half of the
roof is gone, but we're not paying for it. Or
they just wouldn't show up, or they wouldn't help out,
or they wouldn't complete what we needed to have done
to make these people okay. And we learned about after

(34:23):
just fighting and fighting, we learned what a public insurance
adjuster was, and so we hired one to come down
and work with us. And I'll never forget it. I
had a great, big church down there, and it would
had metal siding. It had a very like an eighteen
twelve shingled roof that was beat up bad. I fought
the adjuster on it for weeks. It wasn't actually it
was a recently reshingled roof, but it was steep and tall,

(34:46):
you know, three four stories tall, just a big old church,
beautiful church. The adjuster wouldn't help me. We hired the
public adjuster to come down. This was fourteen or fifteen
years ago now, and he said, yeah, I'll take the
file on the same adjuster. I met you guys two
or three three times that said no. Was on site
for fifteen minutes with that guy. He bought everything he
paid for, sighting windows, lighting the roof, soffits, faciat gutters.

(35:11):
In fifteen minutes he did this. And I looked at
the adjuster and I said why And he said, because
I can. You're just a contractor, he's a public adjuster.
I don't have to deal with you if I don't
want to. And that's when the switch hit and I
knew what I had to do. And in my business
partner Josh and I both experienced that. But that was
the turning point for me to go that's why I
need to be in this business because I don't want

(35:31):
to be. I don't like the fact that when half
of this church is destroyed, somebody won't do what's right.
It took that quick, fifteen minutes we were gone. I
was blown away.

Speaker 3 (35:40):
So you know what bothers me about that is I
pay thousands of dollars to insurance. I'm hoping that they
figure it out in fifteen minutes. Hey, tornado came through.

Speaker 1 (35:48):
Hey. Yes, I have a lot of friends and insurance business,
and I do a lot of insurance guys. But remember,
when you're paying for insurance, they're betting that you don't
have a loss.

Speaker 3 (35:56):
That's it.

Speaker 1 (35:57):
They're betting that you don't have a loss, because that's
they're betting that you're going to People got life insurance.
I got life insurance on their betting that you're gonna live,
that's right.

Speaker 3 (36:04):
So I'm kind of hoping that, you know, well, I
mean she would be pretty happy. I guess no. But
either way, it's I don't want to lose those things either.

Speaker 1 (36:15):
I'm on their side, but because I gotta I gotta
repeat this again here because I keep people saying them.
So you're you're not selling insurance, you won't do anything.
Your whole job is to help someone is having trouble
with their insurance, So how would they get a hold
of you? Again?

Speaker 4 (36:29):
So you can go to our website, which is the
Adjustment Firm dot com, or you can call us at
seven one five three six eight two eight two four.
That's the phone number you can reach and that will
go through an automated system. But we have a lot
of people that call us on Saturdays and Sundays because
that's their time off, and so we wanted to have
a phone number where we can get that information funneled

(36:49):
to us quickly, and that was the best way. But
to break down what you had just said is what
is a public insurance adjuster? That's the question I get
every single day. So what our job is to is
to navigate and gootiate insurance companies on behalf of policyholders
and homeowners. We don't work for insurance companies. We're not
allowed to legally. We're licensed in the states that require licenses.

(37:09):
So our job is to gather information, negotiate the claim,
meet the adjuster, meet engineers, meet whoever we have to do,
create estimates to make sure that that homeowner, that business
owner is brought back to pre lost condition. That is
our number one key. That can take anywhere from thirty
days to a year. It just depends on the claim,
depends on how stubborn people are on both sides. And

(37:32):
I understand when we talk about insurance companies. You guys,
this is something I really need to say. Insurance companies
are not bad, right, They're just not They pay They
pay tens of millions of dollars a day in insurance
claims with no problem and give nobody any issues. It's
just the files that are a little bit more difficult
and they need a little bit more assistance. Your agents

(37:53):
are your advocate as well. Call them if you have
a problem. They will absolutely try to help you as
much as they can. They have a job to do
and they do it well. But I always tell people
read that policy and when you have a problem, you
need to call somebody like us. We're not attorneys. We
work on a contingency basis. If we don't get you money,
we don't take we don't take a dime from you,
and we're okay with that. We wouldn't want to.

Speaker 1 (38:15):
Well, I mean, you know, I'll be honest. I mean
we you know, Mum, biased towards you guys because you're
the guys that we use. Because when insurance kay will
come in. Right, something happens and they want a kitchen
ceiling or something right and insurance coming into here, I'll
give you a check for this. They have a drywall
ceiling and you say, no, I had a plaster ceiling
and I don't want to dry well ceiling. And that's
when something's again. Adjuster and helped them because plastering is

(38:36):
you know, three times the expensive his drywall. So the
first thing you want to do, and I say, don't
take it personal. Their job is to say that and
then sometimes they'll okay, find you a plaster. That's what
it is. Right, you know, you're allowed to have a
return to the stage it was before the before their damage.

Speaker 4 (38:49):
You're exactly correct.

Speaker 1 (38:50):
You know, and then when it's like molding plasters or something,
you know, they don't have any problem with that happen.
Sometimes they'll just say, you know, it's a bedroom ceiling,
what do you care? And they want you know, that's
what they do something. You got to be an adjuster
as a justter. In one I had Joel, we sent
pictures of Joe or the guy had mushrooms growing out
of the basement. Right this is after it was clean,
but there was so much water yep from the fire.

(39:12):
That is time to grow and it's all be remodeling Stuffody.
It's like a second part of the claim and he's like, well,
you already file the claim. You already casser check. So
how do you handle that because that's that's where you
guys had to involved. Someone's already filed the claim, but
they didn't realize that there was more damage to it.

Speaker 4 (39:26):
Right. So there's there's little triggers and insurance policies that
dictate what canon can't be done. There's time limitations.

Speaker 1 (39:33):
Uh.

Speaker 4 (39:33):
Just as an instance, pretty much almost every state in
the US has a two year statute of limitations as
far as filing a claim not necessarily completing the work,
but filing the claim and letting the insurance company knows
what know what your intentions would be. It's really important
to know that that is the case. A lot of
Wisconsin policies, by the way, are one year. There's a

(39:53):
one year statute, and that's really important. So I tell people,
don't wait, don't wait till next year, don't wait till
the smoke settles. Get on it now. Get a hold
of your contractor. If they're having an issue, call us immediately.
Don't wait, don't don't let the don't don't have the
contractor have to fight it for too long before you
get us involved, because at the end of the day,

(40:14):
they're probably going to be spinning their wheels and it's
not fair to you and it's not fair to them
because we can step in take that away where it's
easier for us because we don't. We don't have any
emotion in the game, right so for us, it's all
fact base. Let's look at the facts. Is it damaged
yes or no? Did you have an insurance policy yes
or no. Let's go to work. Let's get the adjuster
out here, let's reinspect it. Let me show him what's
really damaged. He's going to document it. Ultimately, it's going

(40:37):
to go to his superiors. Anyways, it's just another question.

Speaker 1 (40:40):
Just came in and he says, what about renters insurance?
Do you ever have someone call you problems?

Speaker 3 (40:46):
I have.

Speaker 4 (40:47):
We run into that more in the commercial end of things,
where where somebody might rent a spot like this and
they carry insurance for all their internal stuff and water
damage happens, sprinkler head busts or whatever. We do get those,
We do get those have insurance.

Speaker 1 (41:01):
But then you have to help because the people that
own the building might be their fall too. So you
have to have two battles.

Speaker 4 (41:07):
You really do you really do? Those become very very complex,
which is okay, but they do insurance companies, Yeah, essentially
from each policy. Yeah, because it's two totally different uh
you know issues.

Speaker 1 (41:20):
Okay.

Speaker 4 (41:21):
Anyways, again, Yeah, so you're gonna you would call you
would I'd be the adjustment firm dot com. Otherwise you
can call us at seven one, five, three, six eight
two eight two four.

Speaker 1 (41:33):
And how much of the state you cover or you
cover beyond the state.

Speaker 4 (41:35):
Oh, we we cover pretty much from Minnesota to Texas.
We have a very large area. We really like Minnesota,
Wisconsin a lot. We really like Wisconsin, Florida because I
got a question on Florida earlier. I don't, but I
have associates that work in Florida and live in Florida,
Florida and California or their own little area.

Speaker 3 (41:51):
Pretty much the whole country, right, Okay, Yeah, We're right back.

Speaker 1 (41:54):
With Troy from Troy from an adjustment Firm and Eric
from mishaps Illutions. Wrap this break. This is the creative
construction of Wisconsin Home Improvement show live on Spot Sports
nine twenty and iha Radio app. We are live from
a Conovision Georgis's cooling studios. This is a creative construction
of Wisconsin Home Improvement show on Fox Sports nine to

(42:17):
twenty and I are Radio app. I'm with My guests
are Troy Johnson's from an adjustment firm and Eric from
Mishap Solutions. We're talking about insurance adjustments. We'ren't allow of
time left anymore. I need to know the process. What
is the process for your process?

Speaker 4 (42:32):
So the process for us is when a homeowner, policyholder,
business owner feels like they need a second second set
of eyes on their insurance claim, they're running in but
maybe up against a brick wall, or they're just not
getting the answers they need. Reach out to us right away,
Like I said before, you can go on our website
or you can call us at seven one five three
six eight two eight two four. It's it's free, it's

(42:53):
no big deal. We'll jump on the phone. We'll spend
fifteen minutes with you, get the facts of your case,
figure out what's going on, and we'll try to create
a game plan on what the best direction for you,
guys is. That's really imperative that we create a game plan.

Speaker 1 (43:04):
And you you still recommend don't clean up anything or
touch anything until you get this all worked out exactly.

Speaker 4 (43:10):
Contact your insurance company first, no matter what, and they
will give you guidelines and requirements on what they need
from you. And then and then get pictures. Pictures, pictures, pictures.
I'm a huge advocate on pictures. Even if it's a
tree that hits the side of your house, get pictures
before the tree comes down. Get pictures of the yard,
the debris, every every bit of data you can get
as important.

Speaker 1 (43:28):
Before and after pictures. So like you just said, you know,
like when Eric says, soon as he gets home as
a go videotape as house.

Speaker 3 (43:33):
I'm going to walk around my house, take picture, take
a video of everything, because you can always stop a
video right now, that's your picture, that's right there, you.

Speaker 1 (43:41):
Know, so yep, good, yeah, and just take everything. So
so how will they get hold of you again?

Speaker 4 (43:48):
It's the Adjustment Firm is our company. So the Adjustment
Firm dot com. Otherwise you can call us at seven
one five three six eight two eight two four uh.

Speaker 1 (43:58):
And you can be from anywhere because it's just a
high radio app technology and people listen from all over,
so you can come from all over. And if you
don't have anybody in the area, you can recommend somebody
that I do.

Speaker 4 (44:07):
Yes, we we We network with many people that are
all over the United States, from from from here to
Alaska to Whwaii. I know, people, if I do this
for a day.

Speaker 1 (44:17):
Hey, we're enough.

Speaker 3 (44:19):
We're enough.

Speaker 1 (44:19):
Time for one more good you know, feel me a
good story. Well, somebody that you helped out that looked
like there was it was going nowhere to help them out.

Speaker 4 (44:26):
Okay, So this happens a lot, and this is this
is going to be for all the commercial business owners
out there. We just talked about the residential but the
commercial business. Commercial business guys generally have a maintenance guy
that climbs up, does their stuff right, and maintenances their stuff.
One thing that maintenance guys aren't necessarily trained on is
what is damaged after a storm and what does it
look like and how do we remedy it. So if

(44:47):
you're in a storm ridden area, if you've got hailstorm,
if you've got some of the windstorms that came through,
I would encourage you to call us. Let us come
and look at your building. If there's nothing wrong, it's perfect.
You get pictures and you get a clean bill of
health and you get to walk away with a smile
on your If you don't charge for that, I don't
charge for that. No, we don't, we don't. We want
to make sure people are protected because if you wait
a year and you do that, you might be in

(45:08):
a situation where you're not covered, and that's what we
don't want. We have customers that have called and said, hey,
two years ago, we had a hailstorm. I have a
two million dollar roof on this mall, and now we
can't The insurance company says, no, they won't cover it,
and in fact, they won't cover it.

Speaker 1 (45:22):
Because you wait, it's writing.

Speaker 4 (45:24):
It's writing.

Speaker 1 (45:25):
You can't win that one.

Speaker 4 (45:26):
That's right.

Speaker 1 (45:27):
It can help somebody. Is when do you say insurance?
You know the gray areas is where you guys specialize.
I'm sure it really is, Yeah, the gray areas. So
then then so that's what your service. You don't charge anything.
That's I mean that. I won't repeat that again. You're
you're willing to go out there and help somebody look
at it. And if you have no case, you know,
it's like the case or no case guy exactly, Yes,
if they don't have a team, yeah, like this case

(45:47):
or no case. Yep.

Speaker 4 (45:48):
That happens all the time, and that's okay. We just
want to make sure they're okay. I want to make
sure they're protected.

Speaker 3 (45:52):
So it's a really good deal. That's a great benefit
for sure.

Speaker 4 (45:55):
It's adjustment Firm dot Com Yep, yep, part thewise. You
can call us at seven to one, five, three, six,
eight eight two four.

Speaker 1 (46:02):
Okay, and uh that's good. That's it's awesome. It's the
service that you guys have. I we'll have to have
you back in for a full hour next y Yes, sir,
we'll go to the right place next because it's yeah,
you went to the Craive Construction. This is the Donald
Targason Heating Cooling Sea, not the Crave Construction studios. Right,
So we're ever at the Nerve Studios and I like to
thank Eric for coming in helping me out here in

(46:22):
the beginning to show.

Speaker 3 (46:23):
You it was a pleasure, absolutely pleasure.

Speaker 1 (46:25):
That you know, we had a lot of a lot
of good times together with us. So anyways, this is
I'm you know, this is Crave Construction, Wisconsin, Homer and
show Last Sports nine twenty and you're a ready yet, Well,
we were live from the Donovan Jurgis and eating Cooling Studios.
Happy Father's date, all your father's out there.