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Speaker 1: Well, we got a lot to discuss today. We've been

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Speaker 1: talking a lot about roofs and it seems like they're

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Speaker 1: always talked about, and it's about asphalt shingles, and so

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Speaker 1: I thought i'd reach out to my friend Todd Miller.

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Speaker 1: He is with Classic Metal Roofing and kind of see

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Speaker 1: where the metal roofing industry is these days. I would

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Speaker 1: assume it's growing, especially with some of the natural disasters

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Speaker 1: that have taken place, and I think, quite honestly, some

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Speaker 1: of the not so good press that asphalt shingles are getting.

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Speaker 1: So Todd Miller, welcome that home with Gary Salvn. How

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Speaker 1: you doing.

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Speaker 2: I'm doing fantastic. Thank you so much for having me today,

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Speaker 2: Garrett Pleasure.

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Speaker 1: You're quite welcome. So how is the metal roofing industry going?

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Speaker 2: You know, we continue to grow, and you hit on

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Speaker 2: something important there. A lot of times, the natural disasters

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Speaker 2: kind of point people toward, hey, there has to be

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Speaker 2: a better way to roof my home. And a few

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Speaker 2: years ago when several hurricanes hit Florida, we saw that

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Speaker 2: happen in Florida, and Florida very much has turned toward

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Speaker 2: metal in recent years, and now the big thing is

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Speaker 2: the horribly tragic fires out in southern California just about

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Speaker 2: a year ago. As people are starting to think about

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Speaker 2: rebuilding and even remodeling if they did survive the fires

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Speaker 2: without devastation, we are seeing a lot of heads and

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Speaker 2: thoughts turning toward metal roofing in southern California right now.

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Speaker 1: Yeah, what kind of propped in my call to you

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Speaker 1: is well, two things happened. Number One, I saw report

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Speaker 1: where they were testing s Fhalt shingles on hell damage

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Speaker 1: and across the board. I'm gonna screw this up. There

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Speaker 1: a criterias and nobody ended up with a classification of

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Speaker 1: as excellent. So that was a little concerning. I know

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Speaker 1: the shingles have gotten a little thinner. I know algae

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Speaker 1: has become you know, unsightly on shingles that are over

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Speaker 1: ten years old. What else is going on? Insurance companies

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Speaker 1: they want to pro rate roofs asphalt shingles. I don't

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Speaker 1: know how that applies to metal. And I thought, after

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Speaker 1: I heard all of that, I said, you know what,

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Speaker 1: we got to talk to Todd about metal roofing because

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Speaker 1: you think metal roofing, and quite honestly, everybody thinks, oh

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Speaker 1: when it rains, it's going to be loud, and how's

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Speaker 1: that do with hail? So why don't you give me

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Speaker 1: the benefits of metal roofing?

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Speaker 2: Todd And you know you touched on the insurance industry there,

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Speaker 2: and absolutely insurance is trying to figure out how they

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Speaker 2: can quit having to buy people new roasts every year.

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Speaker 2: The insurance industry and many of these hail prone areas

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Speaker 2: is extremely upside down, and so they've been looking at

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Speaker 2: a number of options reducing coverage. In fact, probably a

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Speaker 2: lot of your listeners have gotten letters from their insurance

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Speaker 2: companies of referenced rooft damages in hail, and most of

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Speaker 2: those letters are hard to even understand. But the point

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Speaker 2: is they're trying to figure out how to not have

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Speaker 2: to keep replacing roasts due to hal damage. And you know,

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Speaker 2: I think one of the keys that is a big

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Speaker 2: benefit of metal roofing is that it doesn't lose its resiliency,

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Speaker 2: It doesn't lose its strength, that it doesn't have all

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Speaker 2: these oils in it that evaporate and dry out so

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Speaker 2: that it becomes weaker with age. A metal roof will

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Speaker 2: resist hail, it will be just as resilient and high

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Speaker 2: winds just is fire resistant in thirty forty fifty years

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Speaker 2: as it is when it's first installed. Whereas you look

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Speaker 2: at most other roofing materials, and you know, including asphalt shingles,

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Speaker 2: including wood shingles that used to be used a lot

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Speaker 2: increasing tile. There are some newer polymer products on the market.

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Speaker 2: We're not quite sure how those are going to fair.

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Speaker 2: But you know, most of those products tend to lose

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Speaker 2: a lot of that strength and resiliency as they age,

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Speaker 2: and that just isn't the case with metal. So for

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Speaker 2: that reason, insurance companies like metal in a lot of

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Speaker 2: respects and in many cases where they have started to regulate, hey,

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Speaker 2: we won't ensure anybody with the roof over fifteen years old.

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Speaker 2: In most cases that those homeowners dig a little bit,

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Speaker 2: they will find that there are there is a pathway

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Speaker 2: for getting their roof in or their home insured if

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Speaker 2: it has a metal roof on it, despite that metal

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Speaker 2: roof maybe being fifteen, twenty, twenty five, thirty thirty five

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Speaker 2: years old.

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Speaker 1: Not that money is the only concern, but in terms

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Speaker 1: of metal roofing that that's going to last, I think

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Speaker 1: to warrant you what fifty years or something.

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Speaker 2: I mean you're prety common forty to fifty years, sometimes

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Speaker 2: lifetime for the initial owner.

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Speaker 1: Yeah, how's the insurance treat doz? I mean? Is there

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Speaker 1: a discount to the homeowner in terms of insurance if

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Speaker 1: you have a metal roof.

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Speaker 2: So it's kind of a double edged sword for the

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Speaker 2: insurance industry. They realize that metal roosts are very resilient,

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Speaker 2: very long lasting, but they also know if there's some

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Speaker 2: sort of disaster that does destroy that roof, they're going

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Speaker 2: to have a fairly expensive plane because metal roosks do

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Speaker 2: have a higher upfront cost. So what we have seen

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Speaker 2: is they will offer discounts in some areas of the country,

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Speaker 2: especially in hail prone areas of the country, they will

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Speaker 2: offer a discount for metal roofing. We've also seen in

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Speaker 2: some cases a homeowner might be paying extra on their

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Speaker 2: insurance if they have, say a wood roof due to

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Speaker 2: the fire hazard, or even if they have an older

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Speaker 2: asshole roof, they may still be being insured but simply

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Speaker 2: be paying more because of it. So if you replace

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Speaker 2: with a metal roof, make sure you go back to

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Speaker 2: your insurance got me and find out if you've been

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Speaker 2: paying anything extra for that old roof. That can now

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Speaker 2: go away now that you have a new roof.

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Speaker 1: Yeah, we had Beth Harper on, she's an insurance broker

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Speaker 1: out of Cleveland. We had her on last week and

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Speaker 1: we've had different discussions. I knew there's big changes, you know,

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Speaker 1: with insurance and roofing, and we were talking about a

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Speaker 1: lot of those things. But I think metal roofing brings

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Speaker 1: so much more to the table than just the insurance.

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Speaker 1: And one of his energy savings. A lot of people

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Speaker 1: don't look at a roof as an energy saving product,

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Speaker 1: but a metal roofing can save you.

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Speaker 2: Energy in particular during the summer. That is correct. So

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Speaker 2: today's metal roof sometimes with the coatings on them sometimes

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Speaker 2: just because of the design of the product, they're designed

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Speaker 2: to keep heat out of the attic and to be

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Speaker 2: reflective of radiant heat. And what we will often hear

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Speaker 2: from homeowners is they will see summertime energy savings of

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Speaker 2: around twenty percent due to reduced air conditioning needs. And

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Speaker 2: so yeah, that's pretty significant. And you know, there again,

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Speaker 2: that isn't something that you just get for the first

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Speaker 2: couple of years and it diminishes. You know, it's there

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Speaker 2: for the life of the roof.

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Speaker 1: How about the look of a metal roof. I'm sure

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Speaker 1: there's people listening as conversation going like, yeah, but I

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Speaker 1: don't want my house to look like a mar And

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Speaker 1: that's so far from the truth. Boy, I got a

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Speaker 1: niche down in Louisville, Kentucky, and driving through down in

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Speaker 1: that area, there's a lot of metal roofs and beautiful

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Speaker 1: homes with beautiful metal roofs, and there is a there's

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Speaker 1: quite a distinctive look on a metal roof if you

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Speaker 1: want it kind and talk about the appearance.

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Speaker 2: There absolutely is. There's a great variety of looks. You

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Speaker 2: can have that traditional vertical seam look if you want that,

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Speaker 2: and you know, in particular on some homes colonials or

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Speaker 2: some ultra contemporary homes, that vertical seam look looks really nice. However,

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Speaker 2: there are also a number of companies, including ours, that

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Speaker 2: manufacture a wide variety of metal shingles, So you can

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Speaker 2: actually have a metal roof that looks like traditional asshole shingles,

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Speaker 2: or maybe looks like a high end slate roof or

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Speaker 2: a barrel tile roof or a wood shake roof. You

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Speaker 2: can have the benefits of metal with something that doesn't

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Speaker 2: look like metal at all.

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Speaker 1: Is there an I mean, do most roofers do metal

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Speaker 1: roofing or is it kind of a Nietzsche group of

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Speaker 1: folks that do the installation on metal roofing And how

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Speaker 1: do we find those folks?

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Speaker 2: Sure? So, our industry has worked very, very hard to

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Speaker 2: train new installers out there, and so yes, most metal

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Speaker 2: roof or most roofing contractors will offer metal roofs, and

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Speaker 2: a lot of times they will subcontract that labor out

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Speaker 2: not to their typical asphalt crew, but to a metal

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Speaker 2: specialist crew. One of the things I really suggest people do, though, is,

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Speaker 2: you know, do some research online, look at the metal

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Speaker 2: roofs that you like, find some products you like, go

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Speaker 2: back to those manufacturers and say, hey, I like your product.

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Speaker 2: Who in my area is experienced installing this product? And

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Speaker 2: let the manufacturer who you know, they know who their

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Speaker 2: customers are, and they know who does things right and

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Speaker 2: who maybe doesn't do things right. Let them refer you

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Speaker 2: to somebody who's experienced with their product.

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Speaker 1: Todd, when you just mentioned something that didn't even really

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Speaker 1: think of to even ask. But when you're looking for

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Speaker 1: a metal roof, you say different manufacturers and stuff. Of course,

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Speaker 1: not manufacturers are the same kind as you stated. For

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Speaker 1: as a consumer, what kind of things are you asking

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Speaker 1: or looking for in a metal roof?

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Speaker 2: You know, I think aesthetics and warranty are a big one,

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Speaker 2: you know, I think looking at the type of coating

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Speaker 2: that's on the roof. So for many years, the really

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Speaker 2: the well most respected coating on metal roofing has been

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Speaker 2: a paint finish called kin er as a trade name,

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Speaker 2: or it's PVDF polyvanildine fluoride, and the polyvanildine fluoride is

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Speaker 2: an extremely robust finish that's well known for its fade

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Speaker 2: and chalk resistance. So I would certainly look into seeing

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Speaker 2: what the coating is on it, what the life expectancy,

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Speaker 2: what the fade and chalk resistance is of that coating. Yes,

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Speaker 2: you're right, there's a lot of manufacturers out there, and

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Speaker 2: you know, there are a few folks who are sort

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Speaker 2: of putting themselves out there as manufacturers, but they are

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Speaker 2: buying all shore products and bringing it in. You'll know

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Speaker 2: who the warranty is coming from, know exactly what the

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Speaker 2: product warranty covers, and know who stands behind that warranty.

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Speaker 2: And of course, when you buy a roof, You're probably

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Speaker 2: going to get two warranties. You're going to get a

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Speaker 2: product warranty from the manufacturer. You're going to get an

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Speaker 2: installation workmanship warranty from the contractor. You certainly want to

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Speaker 2: understand both of those and know who is behind both

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Speaker 2: of us.

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Speaker 1: So the warranties, is it safe to say they're almost

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Speaker 1: double of a asphalt roof, I mean, is a just

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Speaker 1: being very general?

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Speaker 2: You know, any warranty, of course, you always want to

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Speaker 2: look at the fine print, and there are certainly ways

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Speaker 2: to create warranties out there that have so many exclusions

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Speaker 2: in them that they look better than they really are.

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Speaker 2: But typically with a residential metal roof, we're seeing on

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Speaker 2: product warranty most manufacturers offering a lifetime warranty for the

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Speaker 2: life of the initial property owner, and then usually it

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Speaker 2: transfers to a forty or fifty year warranty after or

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Speaker 2: when the house is sold. A couple of things to

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Speaker 2: look at are how many times will that warranty transfer?

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Speaker 2: We'll just transfer once and never again, will transfer multiple

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Speaker 2: times during the forty or fifty years? And then look

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Speaker 2: at the pro ration of that warranty. Two some roofing

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Speaker 2: warranties of all products pro rate down pretty heavily, whereas say,

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Speaker 2: maybe by year five, the coverage is only fifty percent

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Speaker 2: of the value of the roof. And you know that

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Speaker 2: is all based on the fact that you did get

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Speaker 2: some value and some use out of that product. But

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Speaker 2: there are warranties out there that do not pro rate

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Speaker 2: at all, and so you want to make sure you

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Speaker 2: understand again exactly what that warranty covers, what its limitations are,

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Speaker 2: how transferable it is, and whether it pro rates or not.

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Speaker 1: Certainly a metal roof is going to cost more upfront.

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Speaker 1: You had said that maybe it's a couple times. I

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Speaker 1: don't know. It's a roof that you're going to have

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Speaker 1: for the rest of your life, that's for sure. Is

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Speaker 1: there any text credits in metal roofing?

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Speaker 2: So there was a federal tax credit for a number

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Speaker 2: of years, and that did go away at the end

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Speaker 2: of twenty twenty two. What we do see is some

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Speaker 2: local utility incentives. State of Michigan has had a program

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Speaker 2: that would help homeowners get lower interest rates for buying

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Speaker 2: energy efficient products. So there are some state and local

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Speaker 2: incentives out there. Usually, once you get to the point

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Speaker 2: of talking to a contractor. They're probably going to know

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Speaker 2: what incentives are available in your area.

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Speaker 1: Excellent, Todd, Thank you so much for joining us. We're

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Speaker 1: going to do this again. I think metal roofing is

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Speaker 1: going to see a little bit of an explosion here.

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Speaker 1: I really I just feel my bones and you're my

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Speaker 1: go to guy. How do people get a hold of

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Speaker 1: you or your website? How do we get things started?

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Speaker 2: So? My company corporate name is Isaiah Industries. They can

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Speaker 2: go to Isaiah Industries dot com. They can also go

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Speaker 2: to classicroof dot com. Or I have an educational website

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Speaker 2: at ask Toddmiller dot com and folks can reach me

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Speaker 2: through that Todd at ask Toddmiller dot com. And I've

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Speaker 2: got lots of questions on that website and things I've

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Speaker 2: answered and things I've helped folks with over the years.

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Speaker 1: Wonderful. Thank you so much for joining us. You guys

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Speaker 1: have a blessed Christmas and a happy.

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Speaker 2: New Year you too. Thank you so much, Gary taking.

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Speaker 1: You bet you? Thanks all right, Todd Miller, I'll tell

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Speaker 1: you what he is. The man. He is the man

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Speaker 1: I go to for my information on metal roofing. I

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Speaker 1: hope he certainly has a great holiday, and we thank

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Speaker 1: him for joining us. All right, we'll take a little break.

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Speaker 1: We got Beth coming up first. If you'd like to

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Speaker 1: join us, do so. You're at home with Gary Sullivan.

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Speaker 3: Helm for your home is just a click away at

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Speaker 3: Gary Sullivan online dot com. This is at Home with

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Speaker 3: Gary Sullivan.

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Speaker 4: Thanks for over forty years, Dumont has made powerful paint

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Speaker 3: When the weather turns cold, your plumbing system can really

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Speaker 3: take a beating. Hey, Gary Sulvan here for Rotor Ruter

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Speaker 3: plumbing and water cleanup. If you experienced frozen or burst

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Speaker 3: pipes this winter, Roto Ruter's expert team can repair the

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Speaker 3: pipe and clean up the water damage. And if you

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Speaker 3: have vulnerable pipes and crawl spaces, garages or beneath peer

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Speaker 3: and beam homes, Roto Router can offer solutions to protect

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Speaker 3: and winterize those pipes before the next deep freeze. Schedule

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Speaker 3: call one eight hundred get Roto. With more and more

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Speaker 3: time spent at home, more and more projects are getting

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Speaker 3: done and with winter here, Blaster products can really help

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Speaker 3: for protecting from and dealing with rust. Like Blaster's Premium

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Speaker 3: MultiMAX synthetic lubricin. It's odorless and provides the longest lasting

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Speaker 3: lubrication and protection against corrosion. Use it on one thousand

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Speaker 3: applications and with blasters unique pro strawl to control the

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Speaker 3: flow down to just a drop. It's the better way

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Speaker 3: to spray. Pick up a can at a home hardware

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Speaker 3: and work it like a pro.

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Speaker 1: Hey Gary Salvan here for Zlar pumps. Zala's been keeping

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Speaker 1: home Safe and drysis nineteen thirty nine and their passion

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Speaker 1: for excellence is why it's the only name my trust

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Speaker 1: to keep my basement dry. For your home's groundwater protection system,

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Speaker 1: you got to check out the Solar Model sixty three

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Speaker 1: some pump with the LED plug and the aquanut Fit

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Speaker 1: five oh eight battery backup system. Together, they're your guaranteed

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Speaker 1: water protection system when installed by a factory certified installer.

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Speaker 1: To find your installer today, go to Zlar pumps dot

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Speaker 1: com