You already know which half of your book came from someone who was told to call you. Roots is how you make that happen on purpose.
Request pilot accessThis isn't a bad quarter. It's the arithmetic of the model.
They resell your leads that cost $20 as many times as they can in the first 24 hours. So you get several agencies all calling at once and the customer feels they inputted their info into a scam network.
Independent agent, insurance-forums.comA referred client is a different asset. Referred accounts renew at 92% to 95% against 82% to 85% for everyone else, and they walk in ready to hand you the auto and the umbrella too.
A tree comes through the roof. Water gets into the drywall. You're the first call, before the adjuster and before the carrier, because you're the person they trust to explain what's covered.
And then, every time, the second question: do you know somebody good?
You already answer it. You have two or three contractors you'd put your name on, and you give out their numbers from memory. Roots makes that answer portable, so it works when you're not on the phone.
When an agent gives a recommendation, their reputation is on the line. They will only refer companies that answer the phone quickly, dispatch promptly, and handle emergencies with professionalism.
restorationgrowthpartners.com, 2026The same code works at renewal and after a policy review, when a client is happiest with you and most likely to name you to somebody else.
The roofer who doesn't inflate a scope. The restoration crew that picks up at 2am. Your call, entirely. Nobody pays to be listed.
After a policy review, after a claim closes, in the renewal packet. Anywhere you'd normally say “call me if you need anything.”
One page, two directions. Your client either reaches someone on your list or sends your name to a neighbor who just got non-renewed.
Most agencies can't say where 30% to 50% of new business came from. This part gets logged.
Anti-rebating law is the first thing you thought about, and you're right to. So here is the structure in full.
Florida's rebating statute, 626.9541(1)(h), prohibits giving valuable consideration as inducement to an insurance contract. Maryland's 10-130 prohibits paying a commission or fee for selling, soliciting, or negotiating insurance to anyone unlicensed. A flat monthly software fee you pay to a vendor is neither of those things.
Worth knowing separately: Florida 489.147 bars contractors from paying or accepting compensation for referrals tied to property insurance proceeds. That restriction runs to the contractor. Since Roots has no per-referral payment on either side, there's nothing to trip over in either direction.
Not legal advice. The clean structure your E&O carrier will want confirmed is that no value flows to you from any listed contractor. It doesn't, and there's no mechanism in the product for it to.
Every agency says referrals are their best business. Almost none of them can tell you where those referrals came from.
or $199/year — about two months free
Your first 5 leads are free. No credit card to sign up — add a card when you're ready to keep going.
We're onboarding a small group of founding agencies in Tampa and Annapolis. If your best accounts came from someone who vouched for you, start here.
Request pilot accessSame mechanic, different job. Every network is private to the person who built it.
