I just listened to a podcast about buying businesses (Acquisitions Anonymous) and they were looking at a residential roofing company in northern Virginia and talked about this same market dynamic. Roofers finding a home with some hail damage and working the insurance system to get paid for replacing an entire roof that may have only been a few years old. This particular business subcontracted out all the labor so the entire business was basically sales people finding residential customers and then back office workers filing insurance claims with a few people supervising the actual roofing jobs. They were doing about $10 million in top-line revenue.