INSURANCE COMPANIES

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Jurek

Jurek

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do you any of you do insurance work? how do you get in with these companies? never used to bother even quoting when people rang up saying theyd had a leak and needed a quote for insurance as always thought they had a preferred list of contractors and i would just be wasting my time. but have two coming up in the next couple of weeks. they got past my radar and when i saw the ceilings and then heard it was an insurance job i thought ffs. put stupid quotes in on that joist app and sent it to the householders and got both the jobs so happy days. but theyre paying me upfront and i dont have any contact with the insurers
 
Not sure how you get preferred contractor, but they usually want 2-3 quotes, as much as I know everyone goes in with a heavy price and insurer will decide which one is acceptable but the owners can still get someone else in. Trouble I find with these some homeowners I fully aware that you making a killing out of it so they sometimes try to hassle you into freebies. Unreal what quotes they accept sometimes.
 
Doing insurance work direct for the customer is great. You can charge silly money. I subbed to a building firm that only did insurance work for 12-18 months and i wanted to kill myself. Worst time in my 15 years in the job
 
beddy said:
Doing insurance work direct for the customer is great. You can charge silly money. I subbed to a building firm that only did insurance work for 12-18 months and i wanted to kill myself. Worst time in my 15 years in the job
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yeah, i suppose youre just doing waterdamage all the time and having to travel all over the show? that would get me down. just saw the pound signs and got me thinking. will just start doing insurance quotes as i get quite a few. usually abrupt with them but will now be nice. dont they get a like a grand or something without having to get anything checked out by the assessor guy?
 
I never worked in cov. Always brum, wolvo, telford, leicester etc. Most of the customers were c**ts. Houses were shitholes. Rooms full of s**t. Always looking for the slightest excuse to claim/complain. Wankers in the office who haven't got a clue telling you how long a job takes.
 
beddy said:
If they need multiple quotes just get a mate to do one more expensive. That's what we do
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Same here (y) also most of them only get a loss adjuster involved if it's over £1000, so for most small jobs my quotes are around £990 etc ;)
Plus if it sounds too much to them that's when they ask the customer to get another quote, that's when you use your mates letter headed paper :rolleyes: or get them round to quote.
Used to do a lot of insurance work for a builder not the best work as he had all the sh1t nobody else wanted.
 
insurance work can be a good earner. the 24 hour emergency call out just to make the building safe unto they can find a local contractor. they do favour people who are not vat reg. a saving of 20%.
larger works are given to a structural engineer as the work must be completed to a standard and are released about every 2 months to their favoured contractors.
 
Why would they favour non vat registered? Insurance firms turnover millions so the few hundred in vat doesn't hurt them? Plus it comes off there vat bill anyway. Vat registered means good turnover and hopefully a fairly stable business (generally) so i'd have assumed they'd want that
 
thebearbeef said:
Why would they favour non vat registered? Insurance firms turnover millions so the few hundred in vat doesn't hurt them? Plus it comes off there vat bill anyway. Vat registered means good turnover and hopefully a fairly stable business (generally) so i'd have assumed they'd want that
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The insurance company can't claim the vat back, it is because the works are being paid for by the customer, the insurer is just covering the home owners loss.
 
When i price for these i put in a quote not estimate and often payment is made before starting. I never patch these jobs so price for whole ceiling, wall etc, people pay insurance companies for years without claiming so why should they have a patch job?!
 
Dealing with one just now,leak from above bathroom...minimal water damage tbh......initially thought the cunnts were at it .anyway gave them a raked up price and told them 30 quid for the quote and shall be refunded if I get the job....and you pay me then you chase your insurers.
she contacted me this week,"the insurers have acceppted your quote, but my brother is gonna do the job now, could you give me an invoice and ill give you 100 quid........
spidey senses were right;)
what should i do????? Deal or no deal?
 
Where I live it's mainly Asians and they love a claim up. "Give me big price for work and I give your number to family my freind' .
Uncle adhmed does job. Smelly feckers
 
Fatarm said:
Dealing with one just now,leak from above bathroom...minimal water damage tbh......initially thought the cunnts were at it .anyway gave them a raked up price and told them 30 quid for the quote and shall be refunded if I get the job....and you pay me then you chase your insurers.
she contacted me this week,"the insurers have acceppted your quote, but my brother is gonna do the job now, could you give me an invoice and ill give you 100 quid........
spidey senses were right;)
what should i do????? Deal or no deal?
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No Deal. If he fucks it up she might blame thee as she has the invoice, she already sounds a dodgy c**t......... Tell her £110 ;-)
 
Wezly said:
The insurance company can't claim the vat back, it is because the works are being paid for by the customer, the insurer is just covering the home owners loss.
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And then when they submit their vat returns to hmrc they claim back the vat that they have incurred
 
thebearbeef said:
And then when they submit their vat returns to hmrc they claim back the vat that they have incurred
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No they can't, your not getting it, when you quote to the customer, you then invoice the customer. Not the insurance company, so they cant claim back someone else's vat they have paid. The insurance pay out is to cover costs of the works only.
 
Am i missing something? I charge customer X £100 + vat

Cust X gives me £120

He than goes to his insurance company and says just call it £100?

They'd want to see an invoice which will be vat inclusive which they'd then submit as a cost. The customer is just a proxy
 
Ive had a few that have asked ... ' can you readjust your quote to include my excess '

' Yes m8 i'll commit fraud ' .... They were swifly fooked off
 
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