[00:00:00]Intro:, It's around the house

[00:00:10] Galen Hair: , and this is a big mistake homeowner's made is someone misses a premium payment. You miss it, they miss it. Whoever you get some letter, hey, you know, bear in mind you're supposed to have insurance. If you don't get insurance, we'll buy insurance for you. And you think, oh, cool, awesome.

[00:00:26] Galen Hair: I mean, I don't want to deal with this. My mortgage company, my mortgage company done do crap for me. It's about time they step. Late and do something right? Yeah. They're buying insurance for them, not for you and most states you can't even recover. They will keep the money and you and if they underpay, you

[00:00:44] Eric Goranson: have no right to go after getting more money.

[00:00:46] Galen Hair: When it comes to remodeling and renovating your home, there is a lot to know the We got you covered. This is around the house.

[00:00:57] Eric Goranson: Welcome to The Round the House Show. This is [00:01:00] where we help you. It's your home through information, air education. We've got a great guest in the studio here that I'm looking forward to.

[00:01:10] Eric Goranson: Caitlin Air from insurance claim headquarters.com. Insurance claim h hq.com. Thanks for coming on today, man. Yeah, no, thanks

[00:01:19] Galen Hair: for having me, man.

[00:01:22] Eric Goranson: It's gonna be a lot of fun. Help a lot of people these days, especially with all the craziness that we see with hurricanes and everything else, homeowners just don't know how to navigate.

[00:01:35] Eric Goranson: It seems insurance

[00:01:36] Galen Hair: claims . Yeah, I mean, I don't think, you know, we educate homeowners on anything anymore, but at least like you're like a first time home buyer. The bank might give you like a flyer, like, here's some things you need to know about getting financing, or Here's what you, you know, or you got a real estate agent walking you through.

[00:01:52] Galen Hair: you know, so we're gonna do inspections and here's what they're gonna look for. But, um, unfortunately, like there's just no [00:02:00] one set up. There's just no system set up for new or even old homeowners to kind of know what to do when they have something happen to their house. And, you know, it's just a nightmare.

[00:02:09] Galen Hair: It, it's a, it's obviously like a hole in our system. Um, so we're really lucky that, aside from helping people, we also do a ton of. Amen.

[00:02:17] Eric Goranson: Man, it's crazy. It's, uh, I get so many questions in the show from time to time for people that are just, I have this disaster. And of course, the insurance company is always generally motivated to reduce that claim as much as they can, and the homeowner's trying to figure out how to

[00:02:36] Galen Hair: navigate that.

[00:02:37] Galen Hair: Yeah, so it's kind of interesting the way it works, right? If you get in a car accident, because it's the other person's insurance company, usually I think you. Or like, you at least have this like deep intuitive sense to use a mus schism. Um, that at the end of the day that insurance company's not really interested in treating you well.

[00:02:56] Galen Hair: Right. They're they're looking out for the other person, right. They don't care. [00:03:00] But that's not really the case for homeowner's insurance cuz we pay them. Um, sometimes we pay them for decades, right? I'll get clients who will be like, I've been a customer of mm-hmm. , insert name here for like 40 years. Um, so you pay them, you have a good relationship with maybe your insurance agent.

[00:03:15] Galen Hair: You like them in small towns. You might see 'em at the grocery store, right? Uh, they're always nice guys, so you kind of have like the exact opposite. You have this deep intuitive sense that you're gonna call your carrier, they're gonna send someone out and they're gonna treat you fairly. And what's the problem with that is like twofold number.

[00:03:33] Galen Hair: Insurance claims are a zero sum game. Like if they don't have a dollar, then you, you have a dollar. If you don't have a dollar, they have a dollar. Right? So like ev, someone is losing in every situation, right? Um, and they're, of course, they need to get profits. Mm-hmm. . So they want you to lose. But the other issue is like insurance is one of the only industries in the world, in the world where the system is you tell me how much you [00:04:00] owe.

[00:04:02] Galen Hair: And I'm under the impression, under the impression that I have no right to question that. . Right. You know, it's crazy, right? Like, if you and I make a business deal and you're gonna pay me some portion of like your profits from your business or something, right? I'm gonna ask you to like, show me the books.

[00:04:17] Galen Hair: Let me look at it. Let me figure out what you owe me. Right? Um, hell, I mean, geez, you're doing a new driveway for me and you mess it up. I'm gonna get another contractor to give me a quote to fix it, right? But in insurance, they come out and say, We looked at it and here's what we owe you.

[00:04:33] Eric Goranson: Oh yeah. Great example my little brother had, and this was a little bit more on, on the homeowners dealing with the contractor side, so it's not really homeowners, but he had a guy come out and paint some trim on his house and he decided to get up there, licensed upon uninsured, and the guy got paint all over his beautiful new roof.

[00:04:56] Eric Goranson: And then when my brother got home, the contractor was sitting there grinding [00:05:00] off his three tab shingles, all of the paint. And this is a green historical roof, you know, so it's nice. He had to battle that insurance company on a different way, but it's still insurance. But they had to put a whole new roof on his house over this guy.

[00:05:16] Eric Goranson: Not putting tarps out, but it's the same battle that you have

[00:05:20] Galen Hair: to deal with. Yeah, and that's the biggest thing is like you have to be aware, like you have to be really aware that no matter what they tell you, it's really your job to figure out what you're owed. . And if you've gotta, you've gotta get someone to help you with that.

[00:05:33] Galen Hair: Unless you really do know these things and most homeowners don't. I mean, how can you, like, even if you know how much two by fours cost at lows or you know what the average price of a roof is today, you also don't know how to figure out what was harmed. You know, you get hail come through, that's cool.

[00:05:50] Galen Hair: Like you can probably guess you need some shingles, but what about the sheathing under. You know, has water been getting in that roof for a while? Do we have any rotting in the attic? [00:06:00] Is it a tornado or the joist twisted? Like so There's so many levels like Yeah. Of what you have to figure out because it's not just a dollar figure.

[00:06:06] Galen Hair: You have to figure out what you need to do to fix your house.

[00:06:09] Eric Goranson: And then it's worse if you have an older house because, oh, wait a minute. I have damaged asbestos sighting .

[00:06:14] Galen Hair: Yeah. Um, there's so much of that right now, especially because the hurricanes have been hitting these like older, kind of more southern regions lately, where there's just a lot of houses that haven't really been touched in a couple of decades in terms of like natural disaster.

[00:06:28] Galen Hair: So it's like asbestos. every day. It's like I hear about a new asbestos roof that we're dealing with and you know, you don't want to obviously poison those kids down the street and stuff by just throwing that stuff in a dumpster. Um, so you want to take care of it the right way. Sure. It's like the responsible thing to do so, but you gotta figure out what that costs, because I promise you, most of those carriers will just write for you to throw it in a trash bag and call it a day.

[00:06:49] Galen Hair: And you really should not do that.

[00:06:51] Eric Goranson: A hundred. A hundred percent. Now, what are the biggest confusions I see out there with homeowners that I get questions on? [00:07:00] And I'm by no means an expert on this like you are, but I tell you what, water is the biggest confusing thing for homeowners.

[00:07:07] Galen Hair: Yeah, yeah. Um, in a ton of different ways, right?

[00:07:11] Galen Hair: Where it came from, what it did, what damage it caused. Um, you know, someone called me the other day and they said, well, so here's what happened. The hurricane hit my. . It tore off my roof and my house flooded and I was like, back up. Cuz I think we, I think you and I say things differently, your house flooded.

[00:07:29] Galen Hair: And he goes, yeah, my house flooded. Uhhuh . I said, where did the water come from? He goes, well, You know? Yeah. You can tell. He is like, okay, so hydrogen and oxygen combined, and, and I'm like, no, I, I . Exactly. I was like, I was like, look, I mean, how did the water get in your house? Did it come up from the ground and come in through the door and stuff?

[00:07:47] Galen Hair: Or did it rain in because your roof was gone? He's like, oh, it all rained in. I was like, then you didn't flood. . Like flood means water comes from the ground. No, that's water damage. You just have water damage. Right. And then people are like, oh, you can't say the mold word. You have to say water [00:08:00] damage. Well, that's not always true.

[00:08:02] Galen Hair: I mean, in most states, yeah. The rule is like, what damage did the water cause? And if the water caused the mold, yeah, you probably are okay, but it's gonna depend on your policy and stuff. And then, um, in the last area, It gets crazy is like sewage backups, water overflows, things like that. Like the average homeowner cannot navigate that because your policy.

[00:08:25] Galen Hair: Probably has language in it that makes it sound like it's not covered. But like one of our attorneys, I consider to be like the nation's expert in this one super detailed, super weird issue, right? He can look at a policy and he will explain, it'll take him like 15 minutes to talk to you. Okay, so here's what this policy is trying to cover.

[00:08:43] Galen Hair: Here's what he's trying not to cover. And based on your situation, you either do have coverage or not. And he's always right. Um, but like, yeah, that stuff's complicated. Like. It's amazing how many homeowners and, and I was guilty of it too before I really started doing this. [00:09:00] You know, they, uh mm-hmm. , they like look at the policy, they kind of read it, they take the insurance company's word for it.

[00:09:07] Galen Hair: So they think, okay, I don't really have a claim. And then, you know, they find out later that their friend with the exact same policy got paid and didn't have to be out of pocket. Thousands of thousands of dollars.

[00:09:19] Eric Goranson: Well, great example. My neighbor just had their waterline break. Going back to their house and they filed an insurance claim on it.

[00:09:28] Eric Goranson: And I was like, how did that happen? I know the tree roots caused it and the trees are protected in the neighborhood. But I was like, that's an interesting thing that you got covered there. And they didn't pay the whole thing by any means, but they got a few thousand bucks out of the 30,000 bucks. But I was like, Wow.

[00:09:45] Eric Goranson: It's weird that that even

[00:09:46] Galen Hair: got covered. Yeah, I mean, every policy's different. I mean, you know, some are the same, obviously, but you should not just assume from that one page that you're looking at, that declaration page that you know what that thing says. I mean, some of these policies are [00:10:00] hundreds of pages.

[00:10:01] Galen Hair: And they like contradict each other through the whole thing, right? So you gotta figure out like which provision controls, but it's a con, like it's a contract. That's your agreement with them, even if you didn't really get to negotiate it. And uh, that language controls. And then of course, in like individual states, there's laws that say, well, here's how we interpret this or that.

[00:10:20] Galen Hair: Um, so it really is kind of like this whole winding weaving road just to figure out what you even are entitled to. Like, then you gotta fight to go get it. Right. But just to figure out, like, yeah, it's a process and you know, we love it. Um, maybe we don't like ourselves very much now that I think about that cuz it's really time consuming in detail.

[00:10:37] Galen Hair: But we like, we like that process of like, okay. Eric, here's your policy. Thank you. Like, tell me what happened. Now let me go into a room for, you know, a couple hours and read this entire policy and tell you, Hey, that sucks you don't have any coverage, or you really do, so let's go fight and try to get you what you need.

[00:10:56] Galen Hair: Yep.

[00:10:58] Eric Goranson: Yeah, it's amazing [00:11:00] and, and it's one of those things that I think is even more now that homes have gone. up so far across the country, many places, like their value has gone by a third to half to even double in places. And I'm getting ready to deal with my insurance company on this now cuz I realize that, wow, my house has doubled in three years.

[00:11:21] Eric Goranson: I know I'm not insured for what

[00:11:22] Galen Hair: the value of the house is. Yeah. So it's the matchstick test is what I tell people. Um, again, there's just not enough information out there. Most people buy insurance for their. Based on a number of the agent arbitrarily. , the agents have some ways of getting those numbers, which usually has to do with whatever you've bought it for.

[00:11:41] Galen Hair: Um, some of them even have softwares that find that so they don't have to look it up. And, um, then usually they will move it up some small percentage every year based on what they think a reasonable. , but that's not keeping track with the market. Right. Problem with that is a few things. In most states, it's your responsibility to figure out how much coverage you [00:12:00] have.

[00:12:00] Galen Hair: So even if your agent did it, unless you like told him, I am trusting you to figure out the number, and you bet. Like unless you can prove all that that's on you, not them. And um, yep. You know, and then the other thing that happens a lot, which is really unfortunate is there. It's, it's called co-insurance, and basically what it means is if you didn't purchase enough insurance, you actually get penalized a second time.

[00:12:22] Galen Hair: Not just you're underinsured, but like, it'll say something like, for instance, if you're not insured to value, we'll figure out what you are insured to, and that's the percentage of your claim you'll get. . So even if you had enough coverage for the whole claim, let's say you had a hundred thousand in insurance.

[00:12:37] Galen Hair: Oh, but your house is 500,000, right? And you only have 20,000 of damage. Yeah. You're like, I'm good. I got a hundred thousand in insurance. We're fine with the, they might come back and say, no, no, no co-insurance penalty. You had to be insured at full value, so you had to be insured at 500. So you were 20% insured.

[00:12:54] Galen Hair: So we're actually just gonna pay you four grand for that $20,000 claim. Cause that's 20%. So like, [00:13:00]

[00:13:00] Eric Goranson: And Galen, this is why I have you on the show today, .

[00:13:03] Galen Hair: Well, and no one tells 'em that that's the problem. Like the agents don't even bring it up. No. So the test is this, it's really simple. And even though it's morbid, you stand outside and you stare at your house and you think if I just decided today I wanted to live in a van down by the river.

[00:13:16] Galen Hair: First off,

[00:13:18] Eric Goranson: I am 35 years old. I am divorced

[00:13:23] Galen Hair: and I. In a van down by the river , and I wanted to burn this down . And then the next day I had buyer's remorse, right? I'm, I'm all about the van down by the river. But, uh, next day I get buyer's remorse, , and I wanna rebuild this house from the ground up. And I wanna replace all my stuff inside.

[00:13:41] Galen Hair: What is the number that I need for each one? Number to build and one number to replace all your stuff that sucks to pay an extra 400, 500, 600 a. really not that much when you think about it, um, in extra coverage that you think you don't need, but that is the test. That is how you know that you were [00:14:00] covered, and you need to do that every year.

[00:14:02] Galen Hair: When you get the renewal paperwork from your agent. Go back outside and think about it. What is it really gonna cost?

[00:14:08] Eric Goranson: Mm-hmm. , my brother's house is a perfect example of this. He has a 1920s old farmhouse that was a big, huge Sears house back in the day, in the twenties. Three stories, basement, almost 5,000 square feet.

[00:14:24] Eric Goranson: If you jump on Zillow, it says it's worth on the acre, $800,000. I'm gonna guess it's 1.6

[00:14:32] Galen Hair: to replace. Yeah, I mean, look, I even have them, um, like roofs. So there's a lot of weird roof claims. Asbestos is a great example, right? But there's clay tile and all these things. Mm-hmm. . And I'll see people that have like 300,000 in coverage.

[00:14:46] Galen Hair: And at first you just look at that house and you're like, eh, it's look, a $300,000 house. And then you find out that roof. Is that a production? They don't make it anymore. It's not a cheap architectural shingle. So you get one of the few [00:15:00] contractors in the country, they're like really, really certified to install from that manufacturer.

[00:15:04] Galen Hair: They come down, they give you a quote, and they quote you for like two 80 for the roof. And you're like, what in the actual world? Like that is a $300,000 house all day. You know it. I know it. We would not pay more than 300 to buy that house and the actual cost, like no one's inflating, anyone listening is like, yeah, the contractor's a crook.

[00:15:22] Galen Hair: They're not a crook. Um, like, cuz I'll go get the same bid from five others. Right. Um, that roof is like worth just as much as that house. And maybe they're in a historical district, so maybe they can't even put something cheaper on. So you really have to think through it. I know you don't have the expertise to do it, but you can kind of figure it out.

[00:15:39] Galen Hair: And you can even ask a contractor like, Hey, if I wanted you to build this house for me, what would you charge?

[00:15:44] Eric Goranson: Well, and even on top of that, let's take it even one more level. They have to pull a building permit to put that new roof on and the permit department goes, Hey, that roof isn't framed to hold. It won't pass today's engineering stuff.

[00:15:57] Eric Goranson: So we need new engineering drawings and we need you [00:16:00] to rebuild that roof system up there before you even put that $280,000

[00:16:04] Galen Hair: roof on it. Yeah. And uh, again, something a lot of people don't know is there's actually a provision for that and a lot of policies called law and Ordinance, which basically says, Hey, you know, if you're doing a lot of work, you're probably gonna have to upgrade, um, just to meet the codes, not because you're trying to get.

[00:16:20] Galen Hair: You know, going from laminate countertops to marble, um, you know, but there may be code things you gotta deal with. So that's a law and ordinance coverage. Really good coverage to have. Really important, I can't tell you how often I see it come up. It also is one of the most frequently waived policy provisions.

[00:16:39] Galen Hair: And like, I have seen crazy, crazy stuff where that would have helped a homeowner like save a hundred grand. And I'm like, how much did you get a discount on to get rid of that? Like, that's a. Issue to me. And what happened? 10 bucks less. Like less, right? Because they're just checking off all these boxes to get their premium down by 50 bucks and they're waiving like [00:17:00] 17 different types of coverage.

[00:17:01] Galen Hair: Mm-hmm. Um, I saw one the other day. There's no way it's legal. Like we're gonna challenge it. There's no way. It's legal . Um, where in exchange for a $32 a year savings, they agree not to hire anyone to help them with their insurance. How can that be legal? Yeah. There's no way it is. We're gonna challenge it, but, uh, I guess our client will owe them 32 bucks back.

[00:17:23] Galen Hair: But, but literally to save $32, our client agreed not to hire a public adjuster to help them figure out what they're owed, just to accept whatever number the carrier said. Well, you tell me when cuz they know what the policy says when they come out. You tell me what they're gonna do when they get out there.

[00:17:39] Galen Hair: Sure. They're gonna be like, eh, don't see anything. Here's a dollar.

[00:17:43] Eric Goranson: Exactly. It's crazy at what level? I wanna get your opinion on this, cuz I always say if you've got anything over just a small claim that you could almost pay out of pocket versus claiming on your, on your homeowners, at what point do you recommend getting [00:18:00] that public adjuster or somebody in to help you with that claim because it is so hard to

[00:18:03] Galen Hair: navigate.

[00:18:04] Galen Hair: Yeah, so I think those are two things there and they're both really important. Um, and I'm not the typical lawyer that's. No, hire a lawyer for everything. Um, because it doesn't always make sense. Yeah. So the first thing is you do have to kind of get a rough idea of the magnitude of the damage, right? So if you're talking to some contractor, your deductible's like two grand and you're talking to some contractor and he's like, I can fix that for like 700 bucks.

[00:18:29] Galen Hair: I don't see a reason to open a claim. I'm a pr, I'm a prac. Sure. Like I'm pragmatic. Right. Um, it's not that having it on there is gonna hurt you a lot in most states, if it's not your fault. It's not really changing the metrics as far as your premiums and getting dropped and stuff, but there's just no reason to deal with the hassle.

[00:18:47] Galen Hair: Like, it's just one more thing they're gonna look at in a, in a later claim. They're gonna wanna see if you fix that. Right. Like it's just not worth. It. It's not worth the hassle. If it's cheap, it's easy. However, do not just take that contractor's [00:19:00] word for it, like be investigative, be inquisitive, look around.

[00:19:03] Galen Hair: Okay, cool. I asked a roofer and he said he could just do a quick spot repair for seven bucks, you know, for 70 bucks. But you know, did I look in the attic or did I pay someone to look in the attic? Is there water in there? What does that mean? , don't just stop at the number. Like really look at everything.

[00:19:21] Galen Hair: Um, you know, yeah. Ask a contractor. Not a handy. Handyman's looking for the quick fix they can charge the for. Right. And I don't mind that. Like I love doing stuff around the house myself. I'll help people like, I mean, I actually love your podcast because it's got so much great info. Right. But contractor is going to have an eye towards spotting everything, right?

[00:19:42] Galen Hair: Because they wanna make money. Yeah. So, so ask 'em to help you spot things. True. And then if you get to a point where that claim is likely to be above your deduct, . What I suggest is this personally, unless it's like a crazy, crazy situation and you know it's gonna be wild, let them come out. [00:20:00] Do not say ridiculous things to them because people love to, cuz they're trying to make friends, right?

[00:20:04] Galen Hair: Just tell them what happened. Do don't even point them to the areas that are affected. Like you can say, Hey, the leak came in the kitchen, but do not say, only check the. Ask them to check everything, right? Like you want them working on actually paying the claim, not creating a file that makes you sound like you told them what to do, um, and exactly.

[00:20:25] Galen Hair: And get that check and here's what you do next. They're gonna tell you, oh, just take that money. It's just gonna get you started. Hire a contractor, do whatever. That's terrible advice. They usually don't even mean it. They will leave you hanging with a bill and then they will try to negotiate and extort you and be like, well, this contractor's gonna sue you for 20 grand, but I'll give you 14 if you agree to walk away.

[00:20:46] Galen Hair: You know, it's terrible, right? Um, instead what I suggest is do this. It's called the offensive check. If you get that check and you're holding it and you feel offended, By what is in that check. If you feel like it's close but not quite there, maybe try to work [00:21:00] on it with your adjuster a little bit. But if you were offended by that check, hire a public adjuster or hire a property casualty lawyer.

[00:21:08] Galen Hair: Got it.

[00:21:10] Eric Goranson: That makes sense. I. and that's different advice I've given. So you see, I'm even learning something here. So that's, that's great. Let them get through the process and, and it's almost like when you're going to traffic court right now, you don't, you don't wanna say too much when you're in traffic court.

[00:21:23] Eric Goranson: You just answer the questions as best you can and don't dig yourself in a bigger hole. Yeah. And

[00:21:28] Galen Hair: look, all my colleagues and competitors will tell you, even people within my office. Get someone immediately. And that's not bad advice. It's just like not the most, no prudent, frugal economic advice. Right? Like we get brought in all the time on what we call large losses.

[00:21:42] Galen Hair: Yeah. Like big commercial buildings. Sometimes we'll get the call before the agent will. Sure. Right. Um, because they want us there . Well, and and the reason is actually not because they don't trust their insurance company. It's because for them it's worth the little bit we charge at the beginning to make sure we're helping guide them.

[00:21:59] Galen Hair: Like, okay, [00:22:00] you don't have a 40 page homeowners State Farm policy. You have a 1000 page Lloyds of London policy. It's gonna take us three weeks just to understand what it says. And you have all these duties. Like right after a loss. All these things you have to do. Mm-hmm. . So before you just go hiring random people to start closing things and you know, preventing the carrier from like actually adjusting the claim, we can kind of interface with that insurance adjuster, help move things smoothly.

[00:22:28] Galen Hair: But it's not necessary in your average. Like I had a pipe burst and there was a little bit of damage, like, we'll help you if you wanna bring us in early. But it's not, it's not usually worth it. Got

[00:22:39] Eric Goranson: it. So it's smart to bring in when the Home Depot burns to the ground, but maybe not when you have the small kitchen

[00:22:45] Galen Hair: fire.

[00:22:45] Galen Hair: Yeah. The more complicated, like the more complicated the structure is, the more complicated the damage is, the more likely you want to bring someone in early. But on an average situation, Like you, you have a good gut, right? So you want to trust your insurance company. But when [00:23:00] you, when you get that check, if you're like, you know, they actually did pretty good.

[00:23:04] Galen Hair: I'm impressed, but you have to have done your homework and already looked at everything and figured out what you're owed. If you're pretty impressed, you're probably gonna be fine If you're offended. That makes sense. It doesn't usually get better.

[00:23:15] Eric Goranson: Right. Yeah. Okay. I, I'm following you. That makes sense. So what happens, like down in the south, kind of where you're at, hurricane season, right?

[00:23:25] Eric Goranson: And I know there have been some huge stories that I've seen from people about insurance, people that had coverage, people that are getting dropped. What are you seeing right now as kind of an update in the industry out there with

[00:23:37] Galen Hair: that? Because it's a big deal. Yeah. So there's kind of, there's a few things happening at once.

[00:23:40] Galen Hair: Um, some of them. make a lot of sense, and some of them, in my opinion, are just inappropriate. So the first thing that's going on, which is normal after any big loss, is these insurance companies have actuarial tables that basically say, based on the average rate of like when bad things happen and what your exposure is, if you charge [00:24:00] X, you know, and you bring in Y, you will still make money even after paying all your claims fairly.

[00:24:05] Galen Hair: Right. Okay. Man, a bunch of big hurricanes in a row really mess up that table and make that table a little inaccurate. So some carriers are having problems because, you know, they get their own insurance. They actually purchase their own insurance. So if they ever have to pay you, they have an insurance company to pay them.

[00:24:20] Galen Hair: Um, but it's expensive. It's a line item. They don't want, they want that money for bonuses and profits and salaries and all that fun stuff. Sure. So there has been a trend over the last like decade. By less and less and less what we call reinsurance. And the state regulators have been letting them get away with that because they keep saying, oh, you know, if you want us in your state, you need to lower your reinsurance requirements.

[00:24:45] Galen Hair: So we kind of reached this really nasty place a couple of years ago where most of these smaller carriers, like the big, big carriers, they weren't in that position, but the smaller carriers didn't have enough insurance to cover their prospective losses. And they didn't keep [00:25:00] cash reserves to really pay what they needed to pay.

[00:25:02] Galen Hair: So suddenly they're getting sued everywhere. They're, you know, they're getting all these demands and they just kind of caved. Now there's a little sub story to that. Wow. Which is really sad. So first of all, usually when that happens, the state will pick that up and take care of that for you. Um, you know, they have different, what we call guarantee associations designed to make sure their citizens don't go homeless as a result of, you know, a carrier going under.

[00:25:24] Galen Hair: Um, there are some penalties and consequences of that, but nevertheless, you'll probably be okay. But you know, the sad part of this story and it's starting to come out, um, is bonuses paid to these people right before they went under, um, subsidiaries being created to funnel money out of the company. So there's been a number of these small carriers that have gone under.

[00:25:44] Galen Hair: Where, you know, at least on my side of the industry, we kind of feel like they didn't have to go under, they chose to go under, um, and they kind of funneled money out on campus. Got it. Uh, that's, I think you're gonna see a lot of that over the next two years. You're gonna see a lot of investigations. Um, some of the articles are already coming [00:26:00] out, and then the final thing that's going on is this is normal.

[00:26:03] Galen Hair: Like when you hear about insurance companies going under, you just need to take a deep breath. This happens anytime there's a bunch of big events like go back, look at Katrina years, this. It just does. Yeah. And Mother Nature is not getting better. Not gonna get political about why, but it's not, you know?

[00:26:20] Galen Hair: Sure. Almost like the climate might be changing. So, um, anyway, it's not getting better. It's gonna get worse. Sure. So just breathe. But you know, also don't buy into the hype. So the other thing going on Yeah. Is, keep in mind, like legislating government, it's all big business. Right? And, and that's not mm-hmm.

[00:26:39] Galen Hair: not pointing the finger at them unfairly. industry pays lobbyists to get things passed that help them . And one of the things that insurance companies do not like is the ability of private citizens to really sue them on underpaid claims. and cuz it doesn't make economic sense True if, so, one of the things they really want to [00:27:00] do is pass laws that keep the public adjusters and the attorneys away, um, from being able to help.

[00:27:06] Galen Hair: So we have what we call bad faith states in states where there's bad faith. Mm-hmm. , e even if you have a little $15,000 roof claim from your double wide and you, and let's face it, you were then the most susceptible population because you do not have money to replace that double. you don't, you know, usually.

[00:27:23] Galen Hair: Sure. Um, an attorney will still take your case and they'll still take your case because if they can prove the carrier was inappropriate, um, depending on the standard, they can get all their attorney fees paid so they can go get you your 15 grand. And even if the carrier makes them fight for six years.

[00:27:40] Galen Hair: They can go get their hourly like amount to take care of that. So it creates an environment where the carrier has no real incentive to screw you over if you hire an attorney. Right. Um, that's not ideal. Yeah,

[00:27:53] Eric Goranson: that makes sense because they, you have a $15,000 claim, but you got $150,000 in insurance.[00:28:00]

[00:28:00] Eric Goranson: They're, they're better to pay 20 and get that done, 100.

[00:28:04] Galen Hair: It's really simple, simple match, but the highest profit margin is really in screwing over those small claims. If you're in a state where there's no attorneys, no public adjusters, that'll get involved because those people won't hire an attorney on an hourly basis to fight you because they can't afford it.

[00:28:18] Galen Hair: Ah, and no attorney's gonna take it on contingency because they'll say, well, if I charge a third, I'll fight for six years, work my rear end off and make five grand, and then I'll be home. Right. So yeah, that makes sense. So they just can't do it. So that's the other thing going on is there's a lot of pressure on the legislatures to say, oh, you know, these carriers are going under so that what we really need to do is stop that, is we need to get rid of all the protections for the consumer.

[00:28:44] Galen Hair: So like Florida's great example, Florida just eliminated almost every single consumer protection out there for homeowner. , um, going forward, like there's no bad faith, there's no attorney fees. It was cute the way they did it cuz they added all these [00:29:00] requirements for insurance companies to behave better, but they took away the ability for the private citizens to enforce it.

[00:29:06] Galen Hair: And most insurance commissioners are from the insurance industry. They're not from. The consumer industry, so Sure. That's what it learned. Yeah. That's what you learned and that's who they are. And a lot of them are elected and the insurance companies are funding those campaigns. If I ran for insurance commissioner in Louisiana right now, I guarantee you every insurance company would put millions behind stopping me.

[00:29:26] Galen Hair: Because, yeah, because they know I will, I'll hold 'em all accountable. Right. Um, I I don't think I'd ever be able to, you, you know, the tricks to Yeah. I mean, well they just, they know that I won't be on their side. I'm, I, I won't be against them. Mm-hmm. , but if I see consumers getting screwed over, I'm going to enforce the laws.

[00:29:42] Galen Hair: Right. So they make sure they have someone that they think is gonna be friendly. Um, there. So that's kind of the other thing that's going on, and I think that's unfortunate. Um, you can expect to see that in a bunch of states. This. Um, Louisiana will be next. That's happening in a couple of months. I think you can expect to see [00:30:00] Louisiana propose a bill package that will eradicate all consumer protections for them.

[00:30:04] Galen Hair: They even want to add bills that say if you lose against your insurance company, you owe them money. Um Oh. Which has never been like that. And once Louisiana and a couple other southern states pick it up, I think you'll see national legislation packages just in every state. Um, so that's the current thing that consumers are dealing with, that they don't really.

[00:30:24] Galen Hair: they're dealing with.

[00:30:26] Eric Goranson: So everybody out there pay attention to what's going on in your local legislature because, uh, if you have a claim, they could be pulling some serious money outta your pocket that you would legitimately be owed and tie your hands behind your back where you couldn't fight for it.

[00:30:40] Eric Goranson: Yeah. You know,

[00:30:40] Galen Hair: and it doesn't have to be us versus them. Like, I'm not telling you, you should love, love trial lawyers. Lots of people hate lawyers. Um, that's not a big deal to me. It doesn't hurt my feelings. Um, but you know, I will say just general advice. If you see a bill come up, ask yourself what it's about.

[00:30:56] Galen Hair: Don't just trust whoever's putting it forward. And if you, this [00:31:00] is a great thing to do. It's actually fun. I, I promise you'll enjoy it. You know, figure out who your local reps are for your state legislature, not just your federal. Everyone knows who their congressman and their senator is. Who's your state congressperson?

[00:31:11] Galen Hair: Right. Um, figure that out. There you go. Call. Email them. You'll be amazed at how much more responsive they are than the feds. Like way more responsive. Um, they'll actually write, you, call you, thank you, have a real conversation with you. And if you see something about insurance, just be like, Hey, you know, my number one fear is that I pay for insurance.

[00:31:30] Galen Hair: I don't get paid fairly, and then I have no way to get paid fairly because no one will take my. , what can you do to help me? Yep. And we found that those kind of, we call 'em grassroots campaigns are way more effective. Um, because I'll tell you what I hear, if I go meet with your legislator in your state, even if it's a state I don't practice in, I do this all over the country just to help.

[00:31:50] Galen Hair: Right? They tell me. My constituents don't care about that. They've never once come to me about that. And I'm like, well, crap. Now I gotta go knock on doors and see if I can get

[00:31:58] Eric Goranson: some people a call. [00:32:00] Exactly. Well true. And, and to be honest, and this isn't any kind of political show, we try to steer away from it, but you can get more done.

[00:32:09] Eric Goranson: Dealing with your local legislature than you can, you know, with your state than you can federal, because that one person has usually way more power in change than you calling up

[00:32:18] Galen Hair: yourself. You know? And they're usually, again, cuz, cuz it's not political, like, I don't care where you sit on the spectrum of like politics, they're usually pretty cool people.

[00:32:26] Galen Hair: Mm-hmm. Like mm-hmm. . Especially at the state level, they're not getting paid, like they're not making bank. So they're working a full-time job. Yeah. They might live down the street from you. You might not like 'em, you might hate 'em. You might have a personal issue with them, but generally speaking, they're just like us.

[00:32:39] Galen Hair: You know, they're, they're no one special when they're at that level. .

[00:32:43] Eric Goranson: Yeah. And they want to, they, and they wanna do something because they're, they're, like you said, not making banks. So they're there to do change and to make things better. So you handing them something to run with is not a bad thing. Yeah, for

[00:32:53] Galen Hair: sure.

[00:32:54] Galen Hair: Um, and you never know, and it doesn't just apply to this stuff. Like, you see a problem. I'm not saying become the [00:33:00] annoying neighbor, like harassing your, your representatives. So they have to take out a restraining order. Right. But like, it's amazing what gets accomplished just by shooting an email or making a phone.

[00:33:09] Eric Goranson: Amen. What are you seeing out there with earthquake insurance? I know I've got it here in my area, uh, just because I'm West Coast, but, uh, what are you seeing that, and it's, there's been earthquakes popping up in weird spots recently.

[00:33:22] Galen Hair: Yeah. So I mean, they haven't really pulled back much yet, but I think that's coming.

[00:33:27] Galen Hair: Uh mm-hmm. , the problem with that is, . In order for them to really want to pull back, they will have to get comfortable philosophically that there just are more earthquakes than there have been. Like, I don't really care what it is, but something's going on. Like we're not all gonna fall on the ice age in three years, right?

[00:33:45] Galen Hair: But like all of a sudden volcanoes are becoming active, earthquakes are happening. Like that doesn't mean the world's gonna end tomorrow, but like the world change. It always has. Right. At one point in time we were like one big continent, you know? [00:34:00] So, so the world is moving and changing and like we seem to be in

[00:34:04] Eric Goranson: a pretty weather, ice ages

[00:34:05] Galen Hair: and all that stuff.

[00:34:06] Galen Hair: Yeah. I mean it's always, it always happens, like it's not a big deal, but we definitely seem to be in a weather heavy change at the moment. You know, where natural disasters, mm-hmm. are just kind of happening. , that may be cool. Right? Maybe in a hundred years that relate relates to your home. Some flower will pop up that will cure cancer.

[00:34:22] Galen Hair: I don't know. But bottom line, like things are changing and the carriers are gonna keep an eye out for that. Yeah. Because that hurts. That's not because they're bad. Honestly. No one runs a business for free. You know what I mean? If I have a pizza shop Yeah. And all of a sudden dough goes up, five x don't get mad at me that I raise the price of mys.

[00:34:40] Galen Hair: Yep. .

[00:34:42] Eric Goranson: Yeah. That's the one thing you gotta remember is these guys are not a state run public service place. This is an actual business that has shareholders, and this is one big corporation that is sitting there trying to navigate the, the profitability spectrum to helping

[00:34:59] Galen Hair: its [00:35:00] consumers. And even the ones like some people listen to you say that and they'll be like, no, I have citizens.

[00:35:03] Galen Hair: Right? Because citizens like the government run in your. , but most citizens organizations are organized, like people don't know this. Number one, in some states you have to prove that you tried to get other insurance and couldn't. And they try to keep their rates about equal to the commercial market because carriers are not gonna come to a state if the government is literally underbidding them on every single policy.

[00:35:26] Galen Hair: Right. Um, sure. So even honestly, the government funded insurance is not gonna be a different, uh, price at all. Makes

[00:35:32] Eric Goranson: sense. , and I'll be honest, I don't wanna deal with the government to get my insurance claim in. No,

[00:35:36] Galen Hair: there is, trust me there is that.

[00:35:40] Eric Goranson: It's hard enough to get my license renewed to go to the D M V.

[00:35:43] Eric Goranson: I don't need to

[00:35:44] Galen Hair: make it worse. Yeah, it's like the height of efficiency when you combine government and insurance. Trust me. It's a, it, it's a crazy, crazy, scary world

[00:35:51] Eric Goranson: I can imagine. So what. If you're a brand new homeowner out there, you just bought your first home, you moved in, I know you probably [00:36:00] have that, uh, homeowner's insurance coming outta your mortgage.

[00:36:03] Eric Goranson: So you looked at your insurance once and set it and forget it and until you refinance your house, you might not look at it again. What would you advise that new homeowner to do? Yeah, a couple

[00:36:13] Galen Hair: of things, right? When you get your house, cuz you're super excited cuz it's your. Um, walk through it. Mm-hmm. , video it, record it.

[00:36:19] Galen Hair: Do whatever you gotta do. E do it again after you move your stuff in. Just save those, do that once a year. It's a really good idea to do. Make it part of your spring cleaning. Nice. Um, because everyone on this podcast is literally on this podcast because crap keeps breaking, right? So you want to kind of document what keeps breaking.

[00:36:35] Galen Hair: We all know this is the, the nature of homeowner. You know, um, so do that. But the other thing is like, share it up on social media, 100%, right? . The other thing is pick, you just got a new policy when you closed down your house. So back up two months and f and then fast forward a year, so about 10 months from then, put in a yearly recurring calendar.

[00:36:53] Galen Hair: Look at my insurance, right? Um, reason you want to do that is twofold, like we talked about earlier, you wanna make sure you got the [00:37:00] numbers right. You want to just see who else is in the market, who's competitive. The other thing you wanna keep an eye on, and this is a big mistake, homeowners. Is someone misses a premium payment, you miss it.

[00:37:12] Galen Hair: They miss it. Whoever you get some letter, Hey, you know, bear in mind you're supposed to have insurance. If you don't get insurance, we'll buy insurance for you. And you think, oh, cool, awesome. I mean, I don't want to deal with this. My mortgage company, my mortgage company do crap for me. It's about time they step up to the plate and do something, right?

[00:37:32] Galen Hair: Yeah. They're buying insurance for them, not for you. And most states you can't even recover. , they will keep the money and you, and if they underpay, you have no right to go after getting more money. I have had so many conversations with like crying men and women who have lost everything and the carrier won't pay anything and they call me and say, can you help me?

[00:37:56] Galen Hair: And I'm like, yeah. , send me your policy and [00:38:00] I call 'em within five seconds of getting the policy. And I say, there's nothing I can do here. And they're like, you didn't even look. How do you know? And said you had forced placed insurance from your mortgage company. You are not insured, you have no insurance.

[00:38:11] Galen Hair: This is all for your mortgage company. They're just gonna go cut a deal that they feel like cutting. You still may even owe on the mortgage by the time they're done, but you have to build this house out of your own pocket from the ground up. Good luck. And I'm sorry you lost. , that is a terrible

[00:38:26] Eric Goranson: conversation.

[00:38:26] Eric Goranson: And you're still gonna be paying that mortgage payment cuz you're still on

[00:38:29] Galen Hair: the land. Yeah. Cause they Well, and they don't care. Right. So some of these, yeah, some of these, uh, mortgage companies actually get commissions for buying the policy. So they're not even gonna go back at the carrier and say, no, no, no.

[00:38:41] Galen Hair: You know, Eric owes 200 on this house, so we need at least 200 so we can wipe out his mortgage. They couldn't care less. Oh.

[00:38:49] Eric Goranson: They just want to capture the loss. Yeah, they're fine.

[00:38:51] Galen Hair: They, they already made a commission. They'll take whatever the carrier gives 'em and you know, they'll just keep booking Eric every month for his mortgage payment.

[00:38:59] Galen Hair: Oh, [00:39:00]

[00:39:00] Eric Goranson: that is sad

[00:39:01] Galen Hair: that that should, should not be happening, be happening to people out there. Look, general rule, if your mortgage company wants to do something nice for you, it's probably not nice. So take a look and figure out.

[00:39:12] Eric Goranson: Great advice. You need that on a coffee mug. . Yeah. I mean

[00:39:17] Galen Hair: literally short of the mortgage company sending you a t-shirt or a mug, like turn down whatever they're offering you go get, go, get advice as to why

[00:39:26] Eric Goranson: Yeah, that makes good sense. And and like we were saying earlier, I mean, I know my house right now, I gotta, I'm literally having it on my to-do list for tomorrow is to go back and review cuz it's been 18 months since I looked at it and I know it's way. Yeah, and

[00:39:40] Galen Hair: just get it locked in might cost you a couple extra a hundred bucks this year, but if, God forbid anything were to ever happen, you would sleep soundly knowing you got what you need to get Well, and the

[00:39:50] Eric Goranson: problem that I have, and this is what happens to homeowners out there as well, is I've been putting in really nice stuff in my home because I do it for tv.

[00:39:59] Eric Goranson: I've got really [00:40:00] great stuff, but a normal insurance isn't gonna look at that and go, oh, well that's a normal bathroom. , they're not gonna consider I have a steam shower in there, or, you know, slab porcelain walls or whatever. The, they're not looking at it that way.

[00:40:15] Galen Hair: No. And that's the other advantage to doing the video and everything is, uh, once a year is it just really, really helps because let's say you go hire someone later, like me or a public adjuster, we also have not mm-hmm.

[00:40:27] Galen Hair: been living with you for the last several years watching you put in your steam shower. It'd be creepy. Um, but now we know it's there and you can tell us. Yeah. But we're gonna save a lot of time by knowing what. Yeah,

[00:40:37] Eric Goranson: that makes sense because yeah, that's a whole different realm. You could take a a $400,000 house and just change things on the inside, and that's now an $800,000 house pretty quick.

[00:40:48] Eric Goranson: Yeah.

[00:40:48] Galen Hair: And for insurance, the value of the house is really what it's gonna cost to fix it, not what you could sell it for. Yeah. And that number is usually higher. Yeah. Zillow has nothing to do with this. Oh yeah. 100%. Right. Zillow might think, ah, in [00:41:00] this neighborhood, that's a $400,000 house. But if you wanted to rebuild that house from the ground up, it'd be a.

[00:41:06] Eric Goranson: Yeah. What are you seeing with historical homes as well? Cuz you know, you'll get those up on the east coast where you've got this, where even at where you're at, where it's a hundred and fifty, a hundred seventy five or 300 year old house, the rules of reconstruction are completely different than if it was a 10 year old house.

[00:41:22] Galen Hair: Yeah. So it's like I have a love hate, so I love historic homes. Love historic buildings. Yeah. Love historic architecture. It's like, A hobby and passion of mine. I live in New Orleans. That's one of the reasons I live in New Orleans. Right. Um, with that said, I hate historical societies and historic land commissions because, um Oh, like H os.

[00:41:42] Galen Hair: Yeah. Look, I get it. Like, let's keep the roof looking consistent and you had this beautiful ancient clay tile roof. So we want to keep beautiful clay tile roofs, but I do not exactly understand. Yeah. , but that door better, better be made of wood. What if I just make it look like it's wood? It's [00:42:00] wood. You know what if I want a metal door, like, and so sometimes it just gets extreme.

[00:42:03] Galen Hair: But I will say this is one of the areas, of course, where you have to make sure you have the right insurance, and that's that lawn and ordinance coverage. Mm-hmm. I was talking about because they'll say, yep. Well, hold on. All it's gonna really cost to fix it is this, but you've got some pseudo-government agency or HOA telling you, Nope, you better fix it this way and it's gonna cost more.

[00:42:22] Galen Hair: And they say, aha. So that difference is on you.

[00:42:26] Eric Goranson: Yeah, that makes sense. Like in my area here, I have protected trees. I've got 300 year old trees on my property, half acre. and it would be really tough to reconstruct this house because some of the trees are so close that you can't have, you couldn't put a house within 10 feet of those trees.

[00:42:43] Galen Hair: I've got a sweet little lady, same kind of thing. I've got a sweet little old lady in Ohio. She's got a small, you know, um, modest house. It's historic though. It's this clay tile. Mm-hmm. . It's pretty nothing, honestly. Great to look at. It was kind of looking old. Hailstorm comes through. [00:43:00] Thrashes it ruins it.

[00:43:02] Galen Hair: Um, , she could get for like 75 grand. She could get a new clayt tile roof installed on that roof. It's what we call in production, um, by the same mm-hmm. manufacturer, everything. problem is that historic commission doesn't want that. They want a recreation of that exact tile, that profile, that everything. Ah.

[00:43:22] Galen Hair: So we have to, and this is how crazy it gets, right? We have to take that tile, send that back to the manufacturer, have the manufacturer make a mold of that tile, and they have to hand pour every single shingle on that roof. Oh, that's inexpensive. Yeah. 380 grand. Oh. And you know, the carrier's like, well, why is this my problem?

[00:43:42] Galen Hair: And I'm like, well, why is it hers? Um, you know, and she had, yeah, she had ordinance and law coverage, thankfully. And like, look, I don't want to be, I don't want anyone to hand pour a bunch of tiles for this house. Seems silly to me. But has anyone ever tried to change a historic commission's mind that is crazier than just about anything you can [00:44:00] do?

[00:44:00] Galen Hair: Um, they do not budge. Yeah.

[00:44:05] Eric Goranson: Now I've watched plenty of TV shows and I've heard my friends over at this old house have uh, told me some stories over there as well of just happened to deal with those things of you can't put white curtains, they have to be cream, you know? Oh

[00:44:18] Galen Hair: yeah. They were like, you need to match the color.

[00:44:19] Galen Hair: And I was like, which color is that? The color it was 70 years ago, or the old color? You tell me you want it looking old in age now, or you want it looking how it did when it was installed, because I don't even understand what you mean by it needs to color.

[00:44:33] Eric Goranson: Oh, crazy. So what are some of the warning signs that you would give to people out there as well?

[00:44:39] Eric Goranson: I know there's, we're not gonna talk brands here cause I know there's some brands that I've worked with in, in homeowner's insurance that I've went, oh, that was a nightmare. But what are some of the warning signs you'd give for somebody out there shopping that they should

[00:44:50] Galen Hair: pay attention to? Yeah, so, Insurance is weird.

[00:44:55] Galen Hair: The way it works is as any of you that have bought it, but for those of you that might be about to purchase your first [00:45:00] house, get ready cuz it's crazy. You talk to an agent, they basically tell you what kind of coverage they'll offer you. Usually they just speak flat numbers. Um, you buy it. Mm-hmm. , you pay them and then you get this thick policy in the mail that's like, here's everything you've agreed to.

[00:45:13] Galen Hair: Thank you. Have a great day. And you're like, no one, no one evers this. Right? So feel free to ask to see the policy. They will look at you like you just. spoken tongues or something. Um, but you can actually see the policy . They have to give it to you. You don't have to buy it and then find out what it says later.

[00:45:29] Galen Hair: I would do that. Um, I'd work with your agent. Find an agent you actually like. I. . So many people in my industry are like hate agents. I love agents. I just think some of them are lazy. Just like, yeah, some of everyone is lazy. They're lazy lawyers, lazy doctors. Amen. You know? So find a good agent who's gonna actually sit down with you, spend the time with you, explain the coverages to you.

[00:45:51] Galen Hair: Um, independent agents, we have like captive and independent. A captive agent is one that like, let's say they're a State Farm agent, right? Sure. Independence will write for multiple [00:46:00] companies. Um, I like independent agents because they also, if they're good, we'll be like, well, let me tell you what I'm seeing in the market.

[00:46:06] Galen Hair: This carrier's been writing really aggressively and dropping their costs lately. This one, it keeps trending up and I keep hearing horror stories about the claims, like, so a really good agent will kind of walk you through all that and. Look, if you get in and it's just like the hustle, sign, sign, sign, walk away and find another one.

[00:46:23] Galen Hair: They're these agents make commission and I promise you the good agents like rise to the top by initially starting with really good detailed customer service. And they usually have a couple of like superstars in their office who are trying to become agents themselves. . So they also are picking up that, you know, that same mentality of like good solid customer service.

[00:46:42] Galen Hair: They'll do that for you because they want you to be their customer for life because they get residuals forever. Mm-hmm. on the insurance you purchase and then eventually when they wanna retire, they can sell their entire business and that includes you. Um, so they will work with me. Got it. But you have to have the guts to demand quality service, [00:47:00]

[00:47:00] Eric Goranson: and that's so much better than jumping online.

[00:47:02] Eric Goranson: And. Filling out the form and getting the stuff in

[00:47:05] Galen Hair: the mail. Yeah, I mean, no one's really explaining this to you. They're just, uh, they're just sending you something. And look, I'm a big fan of internet online forums, automation, but this is something you wanna understand. .

[00:47:17] Eric Goranson: Amen. Amen. Gaylin, thanks for coming on today.

[00:47:20] Eric Goranson: Is there anything that we didn't cover today that we

[00:47:22] Galen Hair: should be talking about? No, I think we hit it. You know, I know, especially when you're dealing with kind of fixing things, renovating, remodeling, um, just make sure that you keep an eye out for these types of things you like. You will find damage, you'll find old things and, uh, you know, make sure you're fixing things, documenting, repairing, documenting, all that stuff.

[00:47:38] Galen Hair: And I mean, I promise you, if you keep your wits about. You use like just kind of these few tests that we walked through, like you can navigate just about any situation. .

[00:47:47] Eric Goranson: Nice man. Where is the best place for people to track you down if they go, oh my gosh, I just had a big, huge event and I need help. Yeah,

[00:47:54] Galen Hair: sure.

[00:47:54] Galen Hair: Insurance claim hq, so that's like insurance claim headquarters insurance claim [00:48:00] hq.com. Um, and then you also can call 8 4 4 claim eight four, uh, like twenty four seven. We'll answer that phone. And then we're on all the, you know, all the cool kids social media these days, but, uh, , but we actually respond.

[00:48:15] Galen Hair: You know, that's kind of fun. .

[00:48:18] Eric Goranson: Even better. Well, brother, thanks for coming on today and we'll bring you back in later. And this is just the beginning of these topics because there's a lot.

[00:48:26] Galen Hair: Thanks for having me. It was great. All

[00:48:28] Eric Goranson: right guys. And you've been listening too, around the house