It's been a few days and I've been busy. A couple things:
1. Appreciate the debate enfuego. No need for the "drilling in the head" comment and for that, I apologize.
2. At the end of the day, it all depends on the contractor. You can probably get the guys that do this work on the side, under the table, without license, insurance, etc and you may get great work and maybe not, for much cheaper. But from my experience, I'd prefer established, licensed, insured contractors who are in demand due to their skills. And I don't think it's out of bounds for these guys to ask $50/hour in nearly any market. And the bigger the job, the more negotiable the rate obviously. I guess my only point is that someone who is skilled in tons of tasks handymen are asked to do (carpentry, roof repairs, siding repairs, water/mold restoration, flooring, painting, electrical, plumbing, hvac, windows, cleaning, concrete, fence, landscaping,etc), its not out of bounds for a guy who has spent years or decades getting really good at all of these trades to ask for a rate that equals $100k/year before taxes/expenses.
And independent adjusters, on the other side, make 2.5-5x that. And all they need is the same knowledge + insurance knowledge.