EP 123: How To Become A Virtual Insurance Adjuster With Stephen Storey

Transcript

hey uh we're here today with stephen out

of alabama but he's not from alabama

anymore we're going to cover that today

he live kind of lives abroad we're going

to kind of cover a lot of his important

topics and stuff that he does and how he

makes money abroad because a lot of

people it's like the key word like hey

how can i make money from home but even

on another level how can you make money

from home from another country

and i think it's i think it's a dope

it's really dope and it's kind of cool

why you can do that from another level

uh stephen can you tell us a little bit

about where you're from um what you did

in the past i like giving people like a

ground form of where they they're back

where they came from because like me i'm

a truck driver and i resonate with truck

drivers

you know yeah

i dig it

so tell me about you where you're from

how you ended up where you're at i got

you so my name is stephen story i'm from

tuscaloosa alabama

uh i lived in alabama until i was 26.

that was back in 2014 2015 something

like that

and i

i had been in the insurance industry uh

years prior to selling insurance

and at that time when i left alabama i

was working for att

and i leave alabama i just wanted to

move to atlanta that's all i want to do

and

i got back into the insurance industry

as an insurance adjuster as a person who

handles claims

then i started moving all the country i

lived in florida

maryland texas colorado

back to texas back to florida several

times i was in and out of georgia

alabama again a few times and then i got

a job in canada

uh working for allstate canada and

this is 2018. so i'm like yo i'm working

abroad i'm living abroad and i figured

out how to live abroad when i was living

in canada

you know i figured out like how to pay

bills

when you're not there i'll learn how to

you know basically how to handle life in

the states while you're not in the

states

and

then i figured something i was like yo

i don't have to live in the states

anymore

you know and it was really cold it was

it was it was like october november and

canada and my car got stuck in the sun i

was like yo it's not it's not working so

i went back to alabama i got a new

contract in alabama again

i worked down with them for three months

and then i was like yo i'm gone i might

lead the country again i'm tired of this

so i was like i'm going to brazil and so

i went to brazil

supposed to be only supposed to be there

six weeks i end up staying six months

and then while i was there i still had

these questions like yo like how do i

you know continue to live my life here

because at that point i didn't have a

job

i was selling things online but it

really wasn't doing well

you know so i went back to the states

uh hurricane harvey oh no hurricane

harvey know that that was a hurricane

i'm sorry

that that uh 2000 notes 2019

i get to get back to the states and end

of 2019 obviously i know what happens

after 2019

and the canadian company hits me up

again and said hey you can't come into

the country

but we'll give you a work visa and you

can work remote

so you already know guys i'm working for

a canadian company i was like yo

i'm going back to brazil

and so because i already work work

remote so i work remotely as an

independent insurance adjuster and i

lived in brazil and then from there i

was like i'm gonna start teaching people

how to do this

i'll start teaching people how to be

independent interested i think it's a

great opportunity for a lot of people

and

that took off and i've been in the

insurance education space from that

point on

and i'm still living in brazil so

that's

that's the short version of where i am

that's the short version i think it's

cool though because a lot of people

like for me i'm like once that once i

get stuck like it's harder with a family

like you're you're still young you have

any kids of course

i mean i'm not married so it makes it

makes it really easy like if i didn't of

course like i'd be gone now but even now

with kids i'm like i still want them to

experience that

that culture because i think it's

important to

see the world and like a lot of people

there's i say this all the time

one of the greatest hacks in business

and in life is leaving home

i agree

because it opens up your mind and like

taking that a step further is like

leaving the country because once you see

the real world and how the real world

works you kind of realize how blessed we

are and how much opportunity we have as

us as americans

i agree i agree you know that's the

thing man like and everybody is

listening i have done better every time

i have moved

every time i left i got better in a way

and not only that i made more money

you know

now i've lived in 15 cities i live in

three countries now

but

you know when i moved

like when you move into another country

it gets harder and so you have to focus

on details that you don't have to focus

on your real your regular life in the

united states or whatever country you're

from

and then you add in another language i

had to learn a new language a new

culture a new city

you know you know new everything plus

run a business

and so it makes you

you become much more focused i'll say

that much

but as much as you would think brazil

will be like oh go to the beach no

no it's not like that you know so

that's uh that's one thing i would just

encourage y'all on anybody's listening

guys look you can do it but i'm like i'm

a college dropout trust me it's alabama

i lived in alabama talks 26 years old i

did not even start speaking of language

until i was in my 30s

you know now i'm fluent in portuguese

and you have a home here and you know

you know i have a community here and a

lifestyle and all that stuff but it's

really not the important thing the

important thing is that i made a

decision to live consciously

you know

there you go there you go that's dope

man so

side note how long do i take you to

learn portuguese

a year

a year okay and then you really you

really learn once you're in the culture

too day by day like

you gotta order food you gotta

live your life

quick you gotta argue with your

girlfriend you gotta do everything

important

you know

everything bro you gotta you gotta like

but you know i say like a year but in

reality i was speaking in three months

six months i could go without my phone

in a year i could express myself fully

okay that's awesome man that's that's

amazing and i

people out there young people just leave

home man a lot a lot can happen just

leave

the place

the worst worst place you can end up is

back in your parents couch this is where

you're going to be at anyway so

you're going to be there

just try

that's awesome man i love it man i i

hope i hope my kids can experience

because like right now my kids are

four two and one and i want to take them

to experience like you don't you don't

do like week vacations because i can't

experience a culture so like my partner

who travels abroad he's like you need to

like go for like two to four weeks just

and i'm like that's the life i want take

taking your kids

but bless your children with that

worldview man because like my parents

sent me to germany when i was

16 for two weeks they sent all of us to

germany separately for two weeks wow

you know and like

i'm 16 17 hanging out in germany and

france

yes it's only two weeks but it opened my

mind to what was possible

you know and so

here i am

i know i'm not

you know i'm just some dirt road guy

from alabama no i know it's other places

in the world i've been there

you know and once you see it then it's

once you see you can believe more of it

you know

and

yeah that's been a big blessing for me

man

i think

i think i think doing that opens up your

minds like

people people go through depression and

stuff like that personal turmoils but

once you actually see the world you

realize people have way worse than you

and you kind of like man up a little bit

well

you know maybe it's not necessarily

about the being worse it's just like yo

they got it better in a lot of ways

you know like i was expo i was a

restaurant yesterday and the guy was he

always asked me questions about the

united states he's like but the united

states is just so much better

i said look man if you're poor in a

state that's cold

you can't go anywhere you're just poor

you're stuck inside the house and if you

don't have any money you're gonna be

cold inside the house too even cold and

hungry here

if you're poor

you can still go to the beach

the beach is free you can still go hop

in the ocean and enjoy today you know

what i mean

uh and i think that there's there's a

quality of life here in in brazil that

unfortunately

because our country is such a lawsuit

heavy country and there's so many rules

we have so many small rules in our

day-to-day life you know i mean like

like for example here in brazil if it's

hot guys just walk around another show

you're not taking your shirt off in the

street in the states yo it's hot outside

no shirt it doesn't matter if you're big

or small guys taking these shirts off

women walking around with a bikini top

on they don't care bro

in the states it's like what what

these kids out here put your shirt on

it's hot

it's hot that's it

comfortability i never thought about

that that

that

cold the coldness of asperger because i

wanted i went to fiji and there's a lot

of like not mostly like homelessness

there's like a lot of poverty in the

area but it's a warm climate they can

always go to the beach

they can always experience i never man i

never thought of that's that's always a

small thing bro like

that's amazing man i think i think it's

cool to experience other cultures and

you kind of get a different perspective

but kind of opens your eyes

to possibilities

endless possibilities are out there and

i think

man i think people are just so like

that they only live in their one city

and like it's a big world out there

there's so much out there there's so

much out there to see so much

experience

so much out there to enjoy

i agree

it's it's crazy i want to travel more

i'm excited i'm excited for the future

and then

you can create a business so let's kind

of jump on that road

come on

how long have you been doing insurance

ingesting

and how how did you end up in that space

all right so i've been i've been a

licensed insurance address since 2013.

um i ended up in this space because

i got licensed as an insurance agent in

2008.

i got licensed as a bail bondsman in

2011. now bail bonds is actually a part

of the insurance industry as well

so i already done two jobs yeah it's

yeah billboard is actually insured

it's backed by insurance companies

those checks that they that people write

they're they're backed by those

companies

that make sense okay

yeah and so

and aria had a pretty good understanding

of insurance from that point and so my

mother sold her insurance agency and she

became an insurance adjuster and she was

like son you should you should do this

as well

and

i was like well

all right i have an insurance agent at

that point and i did well there's like

okay i'll be an interest adjuster too

and so i got in it and then from there i

really began enjoying it and

i really had a lot of fun with it

you know and uh that was it's been since

2015 so it's going seven years now

yeah end of the year will be seven years

so i think i know a little bit about

insurance adjusting

um i came across it in roofing

yep

that's where i recognize it from

um kind of kind of paint a picture for a

beginner that's never heard of what what

is insurance suggesting in a nutshell

okay so answering or

is when

property okay we're going to talk about

property you got health adjusting you

got all the other things we're going to

talk about specifically about cars and

all that makes it very simple for people

whenever you get in a car accident

and you have to call state farm

progressive liberty neutral when you're

calling them say hey somebody hit my car

you're actually talking to an adjuster

at that point

from there that person is going to

gather your information information that

you have photos

you know

damage reports things like that loss

reports um they're going to gather that

information they're going to review your

policy and what you've paid for

the policy you pay before they're going

to review it they're going to make a

claim decision whether you're going to

pay you an amount or not pay you or pay

a certain amount not pay for other

things

all right so insurance adjusters are

people who make claims decisions after

damage

well i'm sorry after a claim has been

made whether damage occurred or not is

up to

the claims adjuster that's basically

what it is

so okay so i i had an accident i had a

car accident recently so i recently

moved this through i thought i was

talking to the insurance company as a

claims adjuster

the claims adjusters are the moving

parts of the insurance company so you

have like an insurance agent this person

sells you insurance but an insurance

adjuster the person who makes claims

decisions now where independent

adjusters come in is

is when insurance companies

when they're staff adjusters insurance

adjusters that work for a company like

state former progressive or liberty

mutual when they are overwhelmed and

they can't handle claims in a timely

fashion they have to get more people

okay okay more people but those people

huh you're private private sector i'm

independent i'm independent right so i

can work for any company and i work for

dozens

now what begins to happen is they say

all right look we need 500 500 adjusters

to come in and work for a certain amount

of time because our staff our staff

members cannot handle this workload

right

and so you go in

and you do the job of the staff member

but

you don't get paid benefits right you

can be fired whatever time at any given

time whenever the workload ends so

because of this they pay us much higher

rates than they pay a staff address

gotcha

you see

okay okay

all right so

let's talk about uh

legalities you have to be licensed how

do you get licensed how do you

what's that what do you get to be entity

yeah okay so you're going to be licensed

by the state okay so

every state is not a licensed state so

you need to first look at your

department of insurance your state

department of insurance and see does my

state provide a

a independent insurance adjuster's

license if so you're going to take a

pre-licensing exam a pre-licensing

course an exam then you take a state

exam after that okay after that you'll

be licensed as an insurance at

independent insurance adjuster from

there you'll begin looking for work we

look for work by going to what's called

ai firm independent adjusting firms

basically a staffing agency just for uh

just for independent adjusters and that

that that staffing agency those ia firms

they connect

independent adjusters with

insurance carriers state foreign

like that

yeah are you right you have to be

licensed in all 50 states or your states

no states so

certain states have reciprocity to other

states there are reciprocals meaning

like if you have a texas state license

right or fourth day license you can work

in x amount of states if you have

alabama you can work in x amount of

states yeah and so

these states allow these licenses allow

you to work in

let's say you have five likes texas

florida louisiana georgia and alabama

okay

you don't have you you can you can't

just you can work in more than five

states with those five licenses you can

work in several more like probably a

dozen more states

because of the reciprocity laws you know

uh but each state that requires a

license you will need a license to touch

claims

in that state so for example if you're

in mississippi

and you've got an alabama claim you

don't have alabama license you can't

work that claim

you have you had to go buy your alabama

license so you can work in alabama

so are licenses annual fi like

biannually or

biannual

some renew on your birth month

so it all just depends every state is a

bit different that's again you're going

to go to your department of insurance

and confirm which states that your

license see when

they're up for renewal

so let's talk about paid because

everyone ever is like okay if i can do

this virtually like how much money you

get paid do you get paid off of the size

of the claim is it a certain percentage

is it a flat fee

that's a great question you know a

little bit already

and so so we'll talk about this so

there's field adjusters and desk

adjusters okay

build adjustments for auto and field

adjusted for property property is a

house or a building

uh commercial residential

now uh

field adjuster they get paid what's

called a fee schedule which is basically

a floating scale

percentage

based on the amount of damage you have

to sell property so let's say for

example you get five thousand more with

the damage you get paid a certain amount

of that five thousand dollars if this

ten thousand twenty thousand or a

hundred thousand same rules apply

okay

so if they have 50 claims you're going

to get paid on those 50 claims

it won't be an hourly rate it'll be

after they file the claim

and and did a full

inspection of the property

they'll get paid after that that's field

adjustment it's a bit complicated as far

as their pay structure

now

desk adjusting is working in an office

or remote adjusting working from home

you'll be getting paid either by the day

or by the hour

okay you get paid weekly bi-weekly some

get paid on the 1st and the 15th just

all depends but it's more like regular

office work as far as pay is concerned

pay schedule is concerned

so what are you strictly focused on you

focus on more on the desk job of the

hourly side of it and doing working from

virtually

i've done both

you know

i've done all three uh you know i've

been in this career for a few years now

so i've been adjusting gun desk i've

done remote several times as well

uh and i teach students across all three

of those types of just

yeah uh right now

i remote just because you know i'm not

in the country you know

and

you know what now now really i actually

i teach now i don't i don't even adjust

right at this point because i have so

many students i don't have time to to

adjust anymore you know i got thousands

of students so

uh but

what i would say is for a person that's

trying to get into the business because

i already have a lot of experience so

i'm not a good example for a person

that's listening right now if a person

is trying to get into the business get

in however you can

you go go work in the field go work in

the field if you want to work in an

office working office they give you a

job

to work you know a desk or remote just

do it get in you'll figure out what you

like with time but try some stuff out

you know probably

i i like

i like it i like it so

what's

the because like

i i like i like learning about stuff

like this because i like

i i'm i'm here to help people transition

whether it's through a smooth transition

or a hard transition i i'm here to help

people transition from nine to fives to

kind of like their own business

so like

i like

i like uh you know andre hatch's notary

because it's kind of like a smooth

transition

this feels like a smooth transition real

estate anybody listen to this real

estate can be a very hard transition but

it's a transition all transitions are

not created equal

so it can be difficult in some ways so

what is

the time because like real estate like

people you can get paid 30 60 days 90

days out like you may not sit work for

it for a paycheck like you work on

rehearsal for free but there's huge

outcomes on it with this like somebody

from start start to giving their first

claim if they hustled at it 30 days or

less

no i wouldn't say that

i've seen people do 30 days or less okay

but

but it's gonna be more like three months

to six months three months six months

okay it's a lot of variables there right

like okay

how fast you can study and retain

information and pass the licensing exam

get your background check back 100 and

if something is available or not if

there's a job available you're going to

get it if not you're not going to get it

right and so i like to tell people 36

months and they get hired in

three weeks great

you know but more likely that's not

going to happen for the average person

right

yeah because they're not studying eight

hours a day and passing the test a week

and a half they're not doing that

most storm so i like to say three to six

months

okay okay proper expectations right

yeah the proper expectations exactly

that's interesting okay so

once you get licensed

now are the work you're doing is it

emails phone calls computer work is it

like all the above or it's just emails

and paperwork

it's a lot it's email a ton of phone

calls

and you know and it's all pressing

matters you know people are calling you

as an adjuster

they're calling it because the household

buyer literally they're calling it the

house got blown away they're calling

because they told their car

so each call is a deadline involved yeah

i'm gonna have a resolution for them

soon they're not wait they're not like

yo hey yo damn my the the roof of my

house blew away okay talk to you in

three weeks no

they want you to

start making decisions and taking

control of the situation right

and i think that can be overwhelming for

people because it's

it's a serious situation

a hundred percent calling you because

the wind blew the wrong way calling

because the wind blew the house away

that's funny yeah

ev every every every client is an urgent

matter

yes

very very urgent the urgency is yes

some of them aren't the others but

you do you need you do need to

stay regimented in your day you need to

stay focused throughout the day all

right look i'm gonna handle eight people

today i'm gonna get eight people pay a

day and we have five people i'll make

five claim decisions a day what you know

you make systems

so let me ask you this

does the insurance company give you like

a certain amount of flexibility to make

that decision based off of the claim

yeah a lot of you have a lot of

flexibility you know it's essentially

like this

can you explain why you made that

decision and back it up

gotcha

with documents

the photos

i'm denying this roof because

i think this hill this these hail marks

are actually blistering

and improper nailing

you know what i'm trying you know you

you know what i'm talking about

but roofing

i'm not from roofing so um

my my partner is so i've heard about it

he does so it's kind of interesting here

on the other side of it

that's why i'm talking about myself

because

he'll go he'll he'll go and get the

insurance claim

for

he'll do like commercial commercial

roofing so he'd get six figure seven

figure

right

yeah exactly but it's all based on like

can you prove it and can you explain why

you want to do it you want to pay or not

pay if you can explain that then that's

your you know that's your authority

right so that's where that flexibility

comes in but if you can't prove it

or if you can't explain why you want to

pay or not paid

you know they're going to get you out of

there pretty quickly because like he

doesn't make good decisions but you get

at the end of the day you basically get

like 100 flexibility to say yes or no

but you got to follow the guidelines of

the policy

that's crazy that's crazy

it's like i said it's really hearing

interesting hearing the other side of it

because you would think that there would

the

the company would have the final

decision because actually i'm paying out

but it's the adjuster that has to make

it make sense

yeah that's the thing here's the company

man this is this is so interesting

it's just interesting from the other

side i'm telling you man this is crazy

okay so it opens my mind into it now

because now i'm not good

you don't even like you work for the

company

yeah

so let me ask you this so since

if you have the power to say yes or no

you say no

you still get paid as well of course you

get paid but is it you get paid more or

less for saying yes or no or is it all

flat fee based

no like when i'm working at a desk

so the field adjuster they don't go out

they a field adjuster a person that goes

out to inspect a car or or a

a house

yeah they can't die they don't have the

power to deny they can only inspect

the person that works remotely

or at a desk excuse me

those people are the only people who

have the power to say yes or no

gotcha and they don't get paid for

saying yes or no there's no bonuses

for either way

i can say yes every day i'll get paid a

certain amount because they know every

day you pay the same amount

it's all about how i can justify it if i

can justify it now

so do you justify the explanation like

you have to like sum up the whole

insurance issue yes we're going to pay

it here's why

and that's generally what you're doing

right it's basically what i'm doing yeah

okay yeah

yeah that makes sense

and they can't just say yes or no and

have a machine do it because there's

intricacies you know

bro you gotta you gotta notate you're

notating files you're writing out while

you're doing something

you know

that's crazy man yeah and those notes

can be pulled out

you

know yeah

so if there was some fraudulent or

whatever they consume based off you're

being an independent adjuster they

wanted to me they would sue the company

because i'm gonna i'm a representative

of the company at that time so it

doesn't

it's not beneficial for me to just screw

somebody over just to do it

yeah yeah yeah you see because i have

accountability too i have accountability

as well i still want to keep my job

right so i'm not going to screw somebody

else to do it

well i'm looking at the flip side of it

it's like yeah let me just give it to

him

but now the company's looking at you for

giving it to him and then you're

some adjusters will do it but like i

said you got to be able to back it up

you're gonna be a backup why you're

saying yes

that's crazy

is it

is it basically based on your own hours

and workload like hey i'm only doing so

many

so many so many claims this week because

i'm part-time or whatever i'm only doing

my free time well you're not gonna be

part time

it's always full time

there is no fart times only full time

for one

uh and then they give you a claim

uh expectation you know they might want

you to do 25 tasks per day

you know they might want you to do eight

closures a day eight closures mean they

want you make a claim decisions per day

like yes or no

you know and so that can be hard at

times so you gotta you gotta move

quickly

through claims

that's

crazy that's only full time

yeah

that that makes sense now that you're

like i only teach now because i'm i

can't do full time then i can't do much

no you can't

can't do both not well at least

so can it be outsourced it always has to

be you

you're the only you're the one that's

licensed you're the one that has the

name on the claim so it's not else

there's no answers okay i got you i got

you

all right so

that's such an interesting conversation

i've never uh

never talked to insurance people before

it's

interesting yeah i

want to sneeze coming up

don't let it out man

i said let it out

we're good we're good it went away it

comes and goes

let's talk about your program you said

you teach how many students do you teach

how long how are you how you've been

teaching since you started it's kind of

going down that road

yeah man so

i probably started getting people into

the insurance adjusting industry in

2016.

wow

huh right when you started like a year

after i got started now 10 16 started

2017 when hurricane harvey hit i was

telling my friend yo get in the business

do this write your resume like this say

this when you get there handle the claim

like this that's when i really started

teaching probably after i got into the

business

but that was just like one off like hey

hey bro come do this you need some work

okay come do this you need a job

but when i formally started doing it um

was 2020.

okay yeah it was 2020 and now

i have

four courses now my fifth one coming i

probably have 3 000 students split

between all those courses

wow

was it was it a transition through covid

or was just kind of the decision at that

time it was different bro it was during

cover for sure you know when everything

went remote i was like now's a chance

for everybody to get in here it's so

much easier for everybody to get in now

everybody has a shot

you know because

pre-code

it was very difficult because

people were um

he had to travel a lot

you know you had to travel a ton bro to

get in the business and stay relevant in

the business but now

they're in cover bro during the pandemic

like bro you can work four or five

deployments

in a year and never leave the house

so it made it much more accessible for

many people

uh because they had a transition too to

keep up the workload without keeping the

office

and people okay so

i i i really like that because coconut

is like a blessing in disguise for a lot

of people a lot of people like oh i lost

my job and everything but it really

pushed people to push people out of the

comfort zone to do something

they had to do something different they

was like yo this ain't working like it

used to i gotta do something way

different what am i gonna do

and you know a lot of people pivoted man

and and some people

did very well for themselves

you know others

they're still trying to figure it out

you know but i know a lot of my students

did really well

that's what's good that's good so 3 000

students yeah um

do you do community type teaching or

just like

group groups

everything's recorded um i like people

to do self-paced learning i want people

to learn the way they learn right and so

some people like to learn they gotta

stop

restart again rewind and

i like i like teaching in that way um

and then we have a group we have a

private group with uh 1700 students in

there

and those students are referring to

the course material and they're also

going back and forth about who's getting

higher right now they're helping each

other so

as the students learn they're teaching

each other as well

power community i love community man

it's such a dope it's such a dope

construct it is

when it's yours it's hugely beneficial

because now you have people that you

talk they can know the game they've been

experiencing it and hey go ask them a

question they know the

answer i agree that's what i'm saying

man that's the thing is like

because like for example i have i have

10 students get hired at the same place

in the same weekend

and they can all help each other because

they're all working at the same place

i'm not working i can't help you in that

way

you know

you know i'll be working for the same

company at the same time hey what was

this how do you say this hey what was

this on the phone didn't they say this

in the meeting you know what i mean like

and they do that a lot

the students they do a great job with

that

and that's really been a big catalyst

for them winning you know

is the community

community community is uh once it's hard

to build

once it's built it's such a priceless

man

you listen man it was super hard to do i

remember that one had like 30 people in

the group i thought it was never gonna

get over 100 people

you know it felt like it was never going

to happen and then like

one day it was 300 they say it was like

700 like that oh it crossed a thousand

people i'm like yo this is crazy we got

a thousand people in here

and then it got to where i couldn't even

i couldn't even talk in the group

anymore

because

it was so many people asking me

questions and it was also interesting to

see was seeing my students

ask other students before they asked me

it was starting to be new experts in

there

you know

and i hate talking to man i talked to

aiden talked to shawn and talked to hank

talked to

all these other people and i'm like

stephen

nobody that nobody's saying talk to me

you know

and that's that was uh

that's a fun thing to watch watch their

world you know

it's uh so our community is the same

thing so right right now we have like 30

people in the group and they had 100 and

like holy crap we got 100 people in it

now we have 300 and like holy crap we

have 300. yeah

it's so good

we're we're we're the same we're

following the same footsteps so it's

kind of cool seeing everybody interact

and everybody help each other

in that way

it's really awesome to see i think

community man is one of the most

underrated things that people overlook

sometimes

well if they're building they're

building something uh or if they're

looking for something i think they often

underwrite community but i also think

that

as somebody who's built a pretty a

fairly

sizable community right now it's not

huge but you know it's you know 1700

people you know you know the sneezes

the community is going to take on the

personality that you put out there

you know if you're not being helpful and

polite

they're not gonna be helpful and polite

and i think for me it's this

i always try to be very polite with my

students and very patient with them when

they want to know information i try to

be very patient

so my students can show patients to each

other

you know i'll be i'm not snappy you

should google that just go to the

website why didn't i tell you

no you know

i try not to do that you know sometimes

my students wear my nerves but that's

that's anybody you know what i mean

but yeah people are people people are

people

uh all the time all the time man the

community is amazing i enjoy it i'm and

i'm really happy to see them i'm i'm so

proud of them you know because i feel

like it's their community i don't feel

like it's mine anymore i'm like that's

y'all it is all y'all's doing y'all did

that

yeah

i'd say i say the same thing too because

it's like

yes i started it

but you all took it to the next level

so i can't take credit for that no no i

can't take her

it's their commitment hey they doing

great

is their community doing great

tell us about your programs tell us

about your courses where can they find

them okay so guys my name is steven

store you can find me at stevens store

on twitter um from there i have a link

in my bio you can go and find my

programs there roadmap to becoming

independent insurance adjuster is a

one hour long course it's gonna take

about a week to finish

because i have things for you to do

after each section that i want you to

complete um from there i have

essentially claim handling that's when

you when you've gotten deployed as an

insurance adjuster and it's going to

teach you how to

handle claims day-to-day

i have understand the insurance policy

uh from there understanding insurance

policy is a breakdown of the hr3 policy

which is the homeowner's policy a

standard homeowner's policy i'm going to

break down the language

that the insurance carriers have written

this policy so you can understand the

vocabulary and the context that we

uh make our claim decisions

then from there we have um

what else we got we have an insurance

adjuster bundle so it's all my courses

plus we have a resume writing course on

there as well as like how do you build a

resume out so you can get hired as an

insurance adjuster

you know so that's what i got right now

and i have a mentorship program as well

where i can

kind of hold your hand as you go through

the process of becoming an adjuster and

you know talk to you about technical

questions you might have day to day

i'm honest

i'm personally curious about your uh

home insurance one because i'm like i

own property that's something i need to

know

insurance policy is a great

course just for just as a homeowner so

you can just understand because one

problem i have with a lot of homeowners

is that

they don't understand

when they don't understand their policy

for one and they're also underinsured a

lot of times

they don't have correct insurance they

might have haunted they might have

insurance on their their house but they

got a 10 000 fence back there they don't

have any proper insurance on

little things like that the wind comes

and blows down a section of fence called

seven thousand miles fixed but you

didn't have insurance on so we got

tonight

a little stuff like that

yeah you should you should really we'll

put a link to that one in the bio for

all our real estate people yeah that way

they understand from the insurance

standpoint what is necessary yeah

exactly is that that's a big one man

i'm gonna

i got my real estate people out there if

you got real property go back and look

at your insurance policy you need to

know what your insurance policy is

for for your property you know

some of you guys got car car detached

car reports you got fences you need to

know what your state requires for for

certain

things to be covered you know because

like i said

for example you might have a 15 offense

you got 2500 worth defense coverage now

what you gonna do

you know and you're and this is your

fourth property you own four or five

running units and all your rulings are

underinsured and you know you know

you're in an area that has a high wind

probability

you're going to pay up on fences at the

wall

you know so let's let's kind of i like i

like where we're going with this this is

a good one so what is something

real estate landlords or uh commercial

property as far as multi-family what's

something that's something that can

easily get somebody to overlook that

they'll overlook and not

force uh

one you need to understand

um your plumbing

one

i don't think real estate guys know

enough about plumbing because that's

gonna cause that cause a lot of water

issues in these houses

so for example and i see i like i've

seen thousands of houses so i see this

situation across the united states and

canada for that

you you own a property

you bought it the toilet didn't have a

problem a year ago five years or ten

years whenever you bought it or whatever

upstairs toilet leaks

no tenant is in the house or attendants

in the house attendant went on a

vacation

attendant has rental insurance they're

gonna get their stuff replaced

but you didn't have the proper insurance

handle water mitigation for example

which is what migration when you draw a

house out afterwards and

it's gotten damaged by water

okay but you don't have the proper

you don't have a proper

uh insurance for that you're

underinsured so now you got an upstairs

bathroom that's messed up and a

downstairs kitchen that's messed up we

all know how much kitchen cabinets cost

we all know how much uh bathrooms cost

you got two of those things messed up

you're coming out you're going to come

out of pocket yet because we're going to

deny you

and we see a lot of people getting out

to get the night on those toilet water

those toilet claims

toilet overflows for a week

you know might have a busted pipe

overflows for a week two weeks three

weeks tears up the whole kitchen another

thing is

do you have

uh coverage for like for example

um it might be you might have hardwood

floor on the whole the entire first

floor of the property

right

this sounds cool until

the kitchen is connected to the front

door via hardwood floor and you don't

have coverage to make sure your hardwood

floor all gets replaced now you got

mismatched hardwood floor

it happens a lot too people getting out

on that something small but people

getting out on it a lot

you know they can get quite expensive

and so you need to go back and look at

your you got to go back and look at

these details guys go look at do you

have like

i'm a little sleepy i don't know i don't

know the policy to turn on top of my

head but you need to find out do you

have coverage for continuous flooring

continuous paint right we have some like

in floyd what city what state you in

california i'm in california

so you have some places guys for example

when you have a leaky roof

y'all have some areas of a home

that might cover half the home and it

might be one continuous paint job in

this one room

right but you get a leaky

ceiling and you know like i know all

whites are not created equal as far as

paint is concerned

all right you go to patch up one little

area now you got this eyesore where the

leak used to be at because you don't

have coverage

to repaint the whole area that

continuous pain

where all the pain is that's what i'm

saying

and so it's little things and see the

thing the problem is guys these people

are selling all these insurance policies

they don't understand policy they know

how to sell policy

they don't understand policy and so the

little things are going to cost you a

lot you need to be sure that your fences

are insured completely

okay

if you have offenses over two thousand

dollars i'm sure all you do now

because wood is extremely expensive and

labor costs are going up every day

and especially if you guys see the uh

cedar fence you need to make sure your

fence is covered properly

talk to your insurance agent pay the

extra 10 15 a month on your properties

guys i'm telling you guys

these wind storms come a heavy

thunderstorm comes it's gonna

it's gonna kick your butt

you know

that's crazy man i can keep going i can

keep going with this one bro i just

that's why i see a lot of i see that a

lot a lot a lot of especially these real

estate guys are under sure

we'll just tell we'll just tell them to

get the link in the bio and make sure

they understand their plan

understanding insurance policy if you

want these real estate guys guys take it

not for just to be an insurance adjuster

take it so you can understand your

insurance policy because i'm telling you

extra 20 a month you to have a better

coverage on some of your property is

going to save you thousands of dollars

over the course of property ownership

so i always ask this towards the end is

what is a quote that's yours or somebody

else's yours or somebody else's that

resonates with you

oh yeah that's a good one move boldly

and great forces will come to your aid

boldly and great forces will come to

your way

man that's that's a good one

yeah i've never that one before that's

again

it was a guy

this dude man he was the violinist for

celine dion

that's strange that it is but he i got

that quote from me i forgot the guy's

name but it's moo boley and great forces

will come to your aid

so like what i found is over the years

man like when i moved to brazil i moved

boldly right and people came to help me

out the first people i met here spoke

english

yep right and and they helped me through

until i learned portuguese

all right when i when i moved to canada

people that helped me out there like

when i moved into insurance justin

people helped me out there like

when i moved into teaching insurance

people all these people helped me man so

it's like you know move boldly

and you know it's another quote i have

is like

you know it talks about basically most

men are walking around in quiet despair

real nightingale said that said that

either night y'all a rock walter emerson

i don't remember but

most men are walking around in quiet

despair this is looking for leadership

okay and so it's like those are two

opposing quotes but they fulfill the

same thing it's like yo look get out of

here move with some faith in action and

and people come out they come to help

you

they need a purpose that's greater than

their own

exactly is that

man that was good that was good

all right man

steve's story on instagram

i appreciate it link to that course

because that would be a good one i don't

have to get that one

yeah

i'm gonna send you a link i'm gonna

email you a link bro to understand the

insurance policy yeah i appreciate it

that one's good man i'm gonna sell that

one out

do it i wanna help hey i'm trying to

help people man i want them to

understand

what they got

and it's like

you can help people by just making sure

they know what's really going on

exactly

you inform and empower people with

information

exactly that's exactly it man and that's

kind of

that's what makes me

excited for them is like yo like once

you know the information

then you got it nobody has to tell you

anymore now you got it you know

all right man we appreciate it we

appreciate you coming what are you gonna

say

uh i'll send you the link in the chat

yeah i got it i got it i'm gonna have to

save it and put make sure it gets in the

video but we appreciate you coming out

um thanks for coming on man check him

out man there's a lot of good

information there we appreciate it

i appreciate you bro thanks dan