Reframe01
“That check is scoped for a full repair. Most policies require the work match what was paid.”
Objection Library
Storm · claim approved · RCV check for $14,900 · quoted $17,300 · she wants cash in hand
“Can I just take the check and patch it myself?”
The keep-the-check plan
01What she means
She sees a check for a roof and a patch job as the same thing, only one leaves cash over.
She does not know the check is scoped to specific repairs the carrier will verify were done.
She has not weighed that an unrepaired roof can affect coverage on the next claim.
02Why reps fold
The rep does not want to sound like he is chasing her money, so he lets the idea slide.
He never explains that most policies require the covered work to actually get done.
The roof stays half-fixed, and the next storm finds the same weak spot again.
03The words that hold
3 answers, each under 25 words, so you can carry one in.
Question back02
“If the same slope leaks again next season, does a patch job still count as covered?”
Close03
“Let me build to the scope you were paid for. You keep nothing you're not entitled to.”
Say all 3 out loud once, right now, before you read the next part. The one you can say without reading it is the one you own.
04Where this one usually breaks
Break Point
“Sure, do whatever you want with the check, it's your money.”
You let her plan a shortcut that can void the next claim, and said nothing.
When you hold, she says
“Okay, walk me through what the scope actually covers.”
That is the whole celebration. She stops arguing and starts asking what you need from her.
You have read the words. She has not heard you say them yet.
In the Drill, the homeowner opens with this exact line, pushes back on whatever you actually said, and you get a Grade with your own losing sentence quoted back.
See a Round gradedThe Library is free. Drills open at $149 once — no subscription.