Michael Kellner, K&M Services Roofing and Construction

04/28/2026

11/03/2025

Ever feel like roof repair quotes are just money pits? Not anymore!We’re dropping our ‘Grand Slam Offer’ that’s been saving DFW homeowners hundreds this fall.

Watch how a simple FREE roof inspection uncovers hidden issues (like those sneaky leaks) plus SAVE $300 OFF repairs if we spot ‘em. Zero risk: If your roof’s solid, you walk away with bragging rights and if not, $300 back in your pocket where it belongs!

We’ve fixed hundreds of North Texas roofs so storms don’t scare us, but a surprise leak can be scary for our homeowner. Tag a friend who might need it!

TXT or DM ‘SLAM’ now for your spot (limited to first 15 this week). Let’s crush those repair bills before the offer expires!

10/20/2025

NIGHTMARE!

05/22/2025

Is this forecast accurate?

04/14/2025

#43: The Role of the Insurance Adjuster vs. Your Contractor

Understanding Who Represents Your Interests

Homeowners often confuse the roles of insurance adjusters and contractors. Here’s the straightforward difference:

Insurance Adjuster: Represents the insurance company’s interests. Adjusters aim to settle claims economically, protecting the insurer’s profits by limiting payouts.

Contractor: Represents your home’s best interest, advocating for proper and thorough repairs. Contractors identify all damage thoroughly, advocating for coverage that ensures full restoration.

Both roles are essential, but homeowners should recognize that adjusters don’t directly advocate for the full extent of your damage. Always have a trusted contractor provide a detailed assessment to ensure your insurance claim truly covers all necessary repairs.

04/13/2025

#42: Understanding Deductibles Clearly: The Truth About Waived Deductibles

Why “Waiving” Deductibles Is a Red Flag

In Texas, your insurance deductible is legally required as part of your claim. Some contractors may offer to waive this deductible to win your business, but this practice is illegal and can severely compromise your claim and repairs:

Legal Issues: Texas law explicitly forbids contractors from waiving deductibles. Both contractors and homeowners risk legal penalties.

Quality Risks: Waived deductibles usually mean corners are cut to compensate, reducing repair quality and harming your home’s value.

Insurance Fraud: Participating in deductible waiving can be considered insurance fraud, impacting your future coverage and increasing insurance premiums overall.

Always choose contractors who transparently communicate your deductible responsibility and clearly follow the law.

04/12/2025

#41: Common Mistakes Homeowners Make When Filing Storm Claims

Many homeowners unintentionally harm their claims by making avoidable mistakes. Here’s a clear outline of the most common missteps homeowners make during storm damage claims:

Mistake #1: Waiting Too Long to File the Claim
Delaying your claim reduces your insurance company’s urgency, potentially affecting payout timelines and claim validity.

Mistake #2: Accepting the First Estimate Blindly
Your insurance company’s initial estimate may overlook hidden damage. Always have a trusted, independent contractor inspect the damage thoroughly.

Mistake #3: Choosing Contractors Based Solely on Price
Cheap bids often result in poor quality repairs and can actually decrease your insurance payout.

Cheap bids often result in poor-quality repairs and can actually decrease your insurance payout.ance coverage and maintaining your home’s value.

04/11/2025

#40: Recoverable vs. Non-Recoverable Depreciation Explained

The Critical Difference in Depreciation Types

Understanding the difference between recoverable and non-recoverable depreciation directly impacts your wallet:

Recoverable Depreciation (RCV policies): Insurance initially holds back depreciation but pays it fully once repairs are completed, leaving homeowners responsible only for their deductible.

Non-Recoverable Depreciation (ACV or Roof Schedule policies): Insurance permanently withholds depreciation, never releasing withheld funds. Homeowners must pay this difference out-of-pocket.

If a roof depreciates by $8,000, under an RCV policy, you recover this $8,000 after repairs. Under ACV, that money is lost forever, adding significant costs to you as the homeowner.

04/10/2025

#39: Why Choosing the Cheapest Estimate Hurts Your Insurance Claim

Understanding the Real Cost of a "Cheap" Quote

Many homeowners mistakenly choose the cheapest repair estimate, believing they’ll save money. However, the lowest quote can actually reduce the total amount your insurer pays out, especially under RCV coverage, directly affecting the quality and completeness of your repair.

Insurance companies typically match their payment to the approved contractor’s estimate. Selecting a very low estimate means the insurance payout decreases proportionately, leaving you with fewer resources for thorough, quality repairs.

The smartest financial choice for homeowners:

Select a reputable, professional contractor whose estimate reflects realistic costs for quality repairs.

Avoid extremely low quotes which signal potential shortcuts or inferior workmanship.

Choosing the right estimate protects your home’s long-term value, avoids further damage, and ensures your insurer fully compensates you for your rightful coverage.