When a hailstorm smokes your roof and your wallet, what do you actually do?

In this Risk Raiders episode, Jeff and Brent sit down with Lubbock roofer and entrepreneur Kris Kincaid (Kincaid Roofing, Fund My Deductible) to break down hailstorms, high deductibles, ACV vs RCV, and how to avoid committing insurance fraud just trying to save a buck. Kris shares how he went from washing cars in the 806 to chasing storms in Omaha, sleeping on a blow‑up mattress, and eventually building a 20‑year local roofing company in West Texas. They dig into why conservative growth beats “one big storm year,” how to choose the right contractor after a loss, and why some customers can completely drain your bandwidth if you let them.

They also unpack today’s reality for property owners: percentage deductibles, roof schedules, “roof performance” policies that feel like RCV wrapped in ACV, and what that means when your roof actually gets hit. Kris explains how Fund My Deductible became a nationwide tool that helps homeowners and property owners legally fund deductibles and upgrades—without fake invoices or deductible‑eating games.

Chapters

00:00 – Meet roofer‑entrepreneur Kris Kincaid and Risk Raiders intro
01:53 – How a Lubbock hailstorm and Omaha trip pulled Kris into roofing at 19
06:36 – Big 2005 Lubbock storm, 125 roofs, and launching his own company
16:23 – After the storm: homeowners, adjusters, and why “three bids and the lowest” can burn you
19:01 – Percentage deductibles 101 and how roof coverage has quietly shifted
25:43 – Birth of Fund My Deductible and funding big deductibles legally

Connect with Kris / Fund My Deductible

Fund My Deductible: https://fundmydeductible.com/
FMD – homeowners video: https://youtu.be/2X2E4kY1OIU?si=8M1nVDHVH-m-DFY3
FMD – contractors video: https://youtu.be/qab1NzXcmYE?si=8nmptyn9f289ZZ8l
FMD inquiries (Laura Lee): lauralee@fundmydeductible.com

Kincaid Roofing: https://kincaidroofing.com/
Email: contact@kincaidroofing.com

The Falls Lubbock: https://thefallslubbock.com/

⚠️ Disclaimer:
Risk Raiders is an independent podcast and is not affiliated with, endorsed by, or sponsored by Texas Tech University. All products, services, brands, or businesses mentioned on the show are for entertainment and conversational purposes only. A mention does not imply endorsement, recommendation, or sponsorship — by us of them, or by them of us. Paid sponsorships and partnerships will always be clearly disclosed. Finally, nothing on this show should be considered insurance, legal, financial, or professional advice. Always consult a licensed professional for guidance on your specific situation.

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