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guys today were going to talk about contingency agreements what are they why are they so important why do you need them lets dig in Tennessee agreement is extremely extremely important especially if youre doing insurance work and its extremely important for a couple reasons number one its going to improve your closing ratio so what I mean by that is a lot of times especially during insurance work and I know cliff can attest to this oh yeah Ive learned thats for sure if you dont have a contingency in place there is nothing like free money and some homeowners unfortunately and even business owners still run off with that money and as much as we like to think everybody is just good-hearted as we are sometimes theyre not so this contingency sort of just cuts right through that and it gets straight to the point hey were gonna work very hard for you youre not going to anything except for your deductible thats it so this just really spells it out right here in writing and also in