The Troubleshooter 4-11-24

Episode Transcript

(00:00):
Yeah, ripped off, didn't needadvice, so you don't have come.
Run in just as fast as wecan. Shooter's gonna help come Dix is

(00:20):
the Troubleshooter Show. No Tom Martino. Hey, I'm Tom Martino. Welcome
to the show. Three oh threeseven one three. Talk is our number.
You know what I say. Wesolve problems, answer questions, and
take complaints. And I believe thatthis is the only show. Well I

(00:41):
know it's the only show that doesthat, but I believe that people wait
too long sometimes to call, andwe can probably stave off, or prevent
or solve problems much easier if youcall earlier. So if there's anything going
on, give us a call.Please. This hour brought If you buy
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(01:07):
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(01:29):
three eight six two five five fivefour. J Bretz is with me from
Excel Roofing. He started this AIthing on his website. Everybody's talking about
AI, and it really is AI. I mean, you put your address
in, it captures satellite imagery,maps out your roof, and then gives
you a price based on what youwant, whether it's the same roof you
have, or you can upgrade orI guess even downgrade whatever. I mean,

(01:52):
you can pick whatever materials you want. Jay, you say that you're
finding it's within five percent basically,yeah, within five percent. It's very
accurate, and you plug your pricesin there, right So they're talking about
you. They are. It's it'sbased on insurance pricing, but it's very
close to exactly what an insurance settlementwill be. But in this time that
we're in right now, everybody wantsinformation. They want to know exactly how

(02:15):
much it's going to cost. Theywant to know what kind of roofs are
out there and available. So it'sthat information that you that you want to
know up front, and then youchoose a contractor we're going to talk about
coming up supplementing supplements. So manypeople are confused with supplements now, they
confuse supplements with cheating. Now sometimesI guess it could be. But we'll

(02:37):
talk about that coming up. Iwant to take some calls right now from
you three oh three seven one threetalk seven one three eight two five five,
And first I'm going to take Adam. Then Deputy Doc has some follow
ups and is sues around or Mark, because I got some really cool stuff
to tell. I'm the only onein a studio, Tom. Okay,
but I did Mark sign on?Channon? Do you know of Mark's coming

(03:00):
on Kachina or sus I texted him. I haven't heard back yet. Okay,
all right. Sometimes they have problemsconnecting from the from the Death Star
in Franktown. This is the thisis the mothership here and uh I have
I had trouble too, but Shannon, uh somehow worked it out. He

(03:23):
didn't tell me what he did.The first thing that happens with technology.
Let me tell you the trick withtechnology. If you ever ever have a
technological problem ever, okay, ever, and you call support, what's the
very first thing they say, comeon, what's the very first, now
here's what's jasport anywhere? We've neverheard that before. I hate that answer.

(03:47):
No, but they make you feellike you're the only one that ever
experienced it unless you go to theinternet you find out everyone's having the problem.
But then the next thing, whichis Shannon's trick, and that is
did you change anything? And Isaid, no, I did not.
I mean, I come into mystudio and I turn, I flip a

(04:08):
switch. What do I change?I don't change squat but Shannon saying he
swears I changed something, and thenKelly and Mark chime in in the chorus.
But anyway, let's go to Adam. Hi, Adam, I got
some email from you, bro,I got some email from you. Let
me let me just bring that uphere the Geico Right, go ahead,

(04:30):
I got it here. Tell yourstory. Actually, this is very detailed,
so we don't have we don't haveto be this detailed on on on
the phone, but but tell yourstory. It's very interesting. Yeah,
we got an email from Geico thatsomebody who's going to be added to our

(04:53):
policy and we didn't know the individuals, so we called and said, did
you change anything? Here? Yeah, we're just kidding. Go ahead.
So so Geico, when you gotto notice just out of the blue saying
we are adding someone. Yeah,so just that fact alone like just boggles

(05:15):
my mind. That the ca Butmaybe it was just a mistake. I
mean, so you know, Okay, so then what So I call them
and I say, I don't knowthis individual, Please don't add this person
to the policy. And I said, why would you add this person in
the policy? Oh, well,they're living in a house that matches an

(05:36):
address that we have for you.Okay, yeah, that's force coverage.
You know why they do that?At them and they make mistakes at it,
but you know why they do it. A lot of people do not
ensure their kids or their dependents.And if you have licensed drivers living with

(05:57):
you, and by the way,people should know this, not just kids.
In fact, I'm gonna have Compasstalk about this. But keep going
at him. Then what happened?Yeah, I get the intent, but
I said, well, we livein Utah. This person lives in Missouri,
so yep, not associated. Wellthey added the person anyway, and

(06:17):
we found out wait a minute,wait a minute, this is in a
different state. Yeah, that doesn'teven make sense to me. We yeah,
just to clarify. So we ownthe home in Missouri where this person
lives, and so they saw theassociation. So there course you're a landlord,

(06:38):
right Are you a landlord or arethey your kid? Yep, yeah,
I'm a landlord in the family.But I just need to know something
at him. Are they your kid? No? No, this is the
tenant who has a child who apparentlyjust got licensed or something. Gotcha?
Okay, Hey, I want youto hold on, Adam. I'm not
going to put you off. Imean I'm not gonna hang up on you.

(07:00):
I want to get compass on becauselet's talk about some real stuff here.
You hang on because I think everyonewill be interested in this. And
I'll tell you why, Adam,Why I like your call. There are
so many parents who do not understandtheir rates will automatically go up when their

(07:21):
kids turn a certain age, andyou can't always exclude them. Now,
this is the first time I everheard of a landlord having his rates go
up because a tenant got his license. This is going to be very interesting.
Hang on, okay, please,a deputy doc. What is going
on with you? Well, rememberChuck called up yesterday about a problem with

(07:46):
Midas at his breaks. Chuck.Yes, he said, he has a
two thousand and three Midas. Now, by the way, they charge him
two grand for some stuff and hechose to do the breaks only for four
hundred bucks. Now he said,they turned the drums and they broke,

(08:07):
and he's pissed. Okay, Ispoke to the people. I mind is
they were very forthcoming. They saidthat what they offered him to do a
break job, he couldn't afford it. So what they did was they just
ground down some of the excrescences onthe surface of the brake and put in
a chain. I feel what thatwas for a snapchain or something, and

(08:28):
that costs four hundred and thirty eightdollars. He went back to them because
his brakes had failed because they wereheat distorted them, and Aaron said that,
okay, we told you this isgoing to happen. If you want
us to do to do a replacethe breakes and do a break job,

(08:52):
it's going to cost another seven hundreddollars. Now. One thing I want
to mention, I got a textfrom from our friend Eye Ted who's and
he works on He works on cars, and he said that Midas should have
never offered to turn those drums onan old car. Because now did they
actually turn those drums? Did youdo? You know? Because he said

(09:16):
that was a waste. Well,and he said, you can buy brand
new drums for about forty bucks.So what are they going to do for
seven hundred? Do you know?Doc? Yeah, they're gonna do a
complete break job and replace the rearbrakes, hardware, new shoes, and
a bunch of other Stuff's gonna costabout seven hundred bucks. But you don't

(09:39):
They don't feel they did anything wrong. He feels like he paid for nothing.
They gave him a temporary fix forbasically four hundred bucks that they told
him exactly what they were doing.But what would it have cost if he
did the four hundred in the beginning, if he wanted the whole job in
the beginning? Well, I don'tknow, because he said he couldn't afford
it. Yeah, but what Idon't Okay? All right, So because

(10:01):
the numbers aren't adding up. Inthe beginning, they told him two grand,
now they're telling him he spent fourhundred and an additional seven hundred will
get him whole, will get himon the road, And that's a total
of eleven Okay, that's okay,that's not your job. It's just didn't
make sense to me completely. Butwhat did he say about this? Well,
he he said that they should havetold him that, and and he

(10:26):
and you know, he said onething, Midas says another. But the
guy from Midas, Aaron, wasvery specific about what was done. He
was very forthcoming. And I thinkthere was some misunderstanding on Chuck's part that
he thought they were doing a totalfix, and Aaron told him it was
just it was just temporary and thatit was going to fail unless he got

(10:46):
a full break job. And Ibelieve Aaron. Okay, okay, you
know that's fine, that's what,that's what, that's why we have you
do it. So thank you.Anything else going on, Doc? After
a while, you know, wekind of get a feeling for who's who's
joking us around? No, No, I understand, I don't know.

(11:07):
I don't think the guy was jerkingus around, the consumer. I just
think he didn't understand. No,I'm a Daron, the minus guy.
Oh yeah, no, no,he's not jerking us around. Thank you
very much, Doc. We gotmore coming up on Tom Martino three O
three seven one three Talks seven onethree eight two five five Frank durand the
real estate Man. You know whathe does. He'll give you complete valuations
of your home to see what itwill sell for on the market. That

(11:28):
is such useful information because if you'rethinking about moving, you may you may
want to know what well this houseselfware. And it's free evaluation, full
detailed with all market conditions, andit's honest. He's not asking you to
to ever list with him. There'sno obligation. Frank durand the real Estate
Man dot com three oh three nineteenzero stew two. Go with a sure

(11:52):
thing Denver's best roofer Excel Roofing dotcom. You don't pay a cent until
you're content. Wave time for aninsurance check up free, no obligation.
In comparison, call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three oh threeseven to seven to one help. You'll
think you're his only customer when youchoose Frank durand the real Estate Man dot

(12:16):
com to list your home with RemaxAlliance three oh three nine two zero sixteen
twenty two. Hi Tom Martino herethree o three seven one three talk three
oh three seven one three eight twofive five. I want to go back
to, uh, the insurance thingright now? Do we have him on

(12:39):
still? Yeah? Do we?Yeah? Adam, so Adam. I
want to bring you back up.Jeremy. Now, Jeremy, I want
to ask you a couple questions becausethis is a really good topic, and
that is, when you have kidsliving in your house and they get a
license, how does your insurance companyknow your auto insurance company. And this

(13:05):
is Jeremy with Compass Insurance Group.Our insurance experts go ahead, they know
because you have a lot to tellthem. Yeah, but I'm talking about
when you don't tell them, howdo they do? How do they find
out if they do? I don'tknow if they do like they do?
Yeah, it feels like every daythere's a new report or something. You

(13:26):
know, they're they're pulling all thisinformation to get this info because they want
to make sure that all the householdmembers are on there. So there's different
reports that they'll pull on that andI don't know the details of you know,
specifically where those are coming from.But we get notifications all the time,
Hey, possible household member, whetherit's a newly licensed kid, and

(13:50):
what do they want you to do? Do they let me ask you this.
If I have a son living withme or a daughter and they have
a license, am I required tocarry insurance? And on my household cars?
You have to add them onto yourpolicy if you want them to be
covered from your cars. So there'sa big okay. But if you don't
want them, I heard they makeyou do it anyway because they're part of

(14:13):
the household. Well, what they'redoing now is they're making you exclude them,
so you okay, So that wasdifficult to do before. So can
you exclude your children? Then youabsolutely can. But they're even charging for
that. So even to add let'ssay you're paying a thousand a month and
you want to exclude your kid,they're going to charge for that exclusion.

(14:35):
It's usually going to be a lotless than what it would cost to add.
How much for the ablusion roughly itcan vary by company. It could
be one hundred bucks. Just okay, So I want to know this,
so you can exclude them, youcan add them. What if they have
their own car and their own insurance, will that suffice where you won't have

(14:58):
to exclude them and you won't havehave to cover them. Most companies know
it won't anymore. I have twocompanies out of all of our companies that
would still allow that scenario the right. So, if my kid is living
with me and has his own carand his own insurance, they still want
me to cover them. You'd haveto include him or exclude them. Yeah,

(15:22):
wow, I do now companies,but most of them are going to
require that. Now, what ifyou never told them about your kid and
they never found out what happens ifyour child gets into an accident? Would
they be covered in your car?You're gonna have problems, you know,

(15:45):
And a lot of this comes downto what's the accident. You know,
they back into a poll, They'reprobably not gonna sweat that it gets a
little bit more severe. They're absolutelygoing to fight back because all right,
now, let's now let's go toanother scenario. And that's what the caller
is calling about. Adam has Thisis weird. Adam lives in one state

(16:08):
and has a rental in another state, and they're okay, now, they're
not close to each other. Soin his rental, one of the kids
living in his rental with their parentsturned old enough to get his license?
Is? Do I have that right? Adam? That's right? And so

(16:33):
Geico sent him notice that you're nowgoing to be charged for that kid on
his auto policy. Yeah, onhis autopolicy, and that he lives.
That problem is that they're pulling fromall these random sources. And you can
see how clearly inaccurate that is inthat case. So a lot of times

(16:56):
that are wrong. Now, haveyou tried calling Geico to Yeah, did
you call him and just say thisis a mistake and did they believe you?
What? Tell me what happened there? Yeah? I called them earlier
last week and I said, whyare my premium so high? And I
said, well because of this teenagedriver. And I said, I called
you on January third and told youto not add him. And I wait

(17:21):
a minute, Wait a minute,what do you mean you called him and
told their account so that it wassuper clear there's no association, Adam,
Adam, did you call them aftergetting a notice he was going to be
added? Yeah, we called onJanuary third, the day we got the
notice. I got it and yousaid, this kid is not mine,
he doesn't live with me, it'sa rental. Blah blah blah, exactly

(17:44):
and they added them anyway. Yep. And I didn't find out until last
week when I looked. I trustedthat they would change it because they changed
the address they have a record.Oh that's just poor customer service. That's
just poor customer service. Yeah,I mean that. Yeah, it was
very frustrat Let me ask you something, Adam. By the way, Compass,
guys, are you licensed in Utahor not? We are licensed in

(18:08):
Utah. We can't as many Adamand uses Colorado, but we are there.
Adam, I want to ask yousomething. You have Geico for your
car insurance? Who do you haveyour home? We have out owners?
Okay, good company. It depends. But I'm going to just make this
suggestion. I'm not trying to hityou up. I truly want to challenge

(18:32):
you to call Compass when you geta chance and ask them, for the
hell of it, to just reviewyour policies and see what you have and
what you're being charged. I justwant you to know that eighty five percent
of the time they've been able tonot only help people with their coverage get
better coverage, but usually lower theircosts by significantly. And again, you

(18:57):
should, in my opinion, ifyou have cars in a home, Jeremy,
isn't it always more cost effective tobundle them under one company or not?
What do you think most times itis? I mean there are times
where we will split them up.They're pretty rare at this point. A

(19:17):
lot of companies at this point won'teven ensure your home if they don't have
the auto. So when we're runninga quote, you know it's going to
be a couple companies left that willjust do your home versus all the companies
if we also have the auto.So that's really hard to combat when you're
talking about that kind of eligibility.And then I want to ask you about
Geico in general. Have you foundwhen people call in for an insurance checkup,

(19:41):
can you usually find better than Geicoas far as pricing or not?
A lot of times we do Geico'sWe sometimes I don't even come close and
it's like I have no idea howthey're getting that rate. And other times,
you know, most of my companiesare going to beat them. So
it really is hit or missed.It's certainly worth checking because in this market

(20:03):
right now, you know, there'sjust no rhyme or reason to anything.
And what about Auto Owners a goodcompany, right, I love Auto Owners.
Yeah. I mean they're a companymy parents with Auto Owners have for
years. They're really good company.And can I tell you why I have
Auto Owners? Well? Auto Ownersis good, by the way, Adam,

(20:25):
Yeah, why do you have themother than they're a good company.
We had Liberty Mutual, but wehad a return line, water leak,
a toilet seal breaking our house inOctober and Liberty Home Guard or Liberty Mutual
said we're no longer going to coveryou. So I needed to find another
insurance company. So I thought thatwas egregious, so I found Auto Owners

(20:48):
to cover us. Wow, yeah, it's not egregious to keep canceled.
Well it is for one claim?Was it only one claim you had?
No, we had a hell claimbefore, And they said two claims in
five years is put to that risk? And I said, it's really clear
that it's a return line, nota supply line. Water leak. Supply

(21:11):
line I can understand because the houseis a certain age. If you have
one supply line, what do youmean by a return line? I don't
know what you mean. Supply lineis under pressure, so you're pushing water
into that? Do you mean adrain. When you say a return line,
are you talking about drains? Yeah, yeah, it's just a water
seal, like a wax seal.And so I offered to change all the

(21:33):
wax seals in the home. Ieven offered to change the supply line.
Let me ask you something, wasthat wax seal? Did that drain over?
Did that cost a lot of moneyto fix that? You put in
a claim for that? Usually youcan buy it a home depot. It's
no, no, I'm asking you. When you had a claim for that?
Was it a big claim? Isthat why you put a claim in
for toilet leaks? It was,yeah, because it's upstairs that leaked into

(21:59):
the below. I got it.I got it. Hey, just for
the hell of it, Adam,because you have rentals, you have cars,
you have a home. You oughtto. I mean, it's not
going to cost you anything to doan insurance review with them. I'm serious.
I'm like I said, I don'tget a dime for saying I mean,
I, oh, they're a sponsor. I don't want to make I
want to make that clear, butI don't get any extra money for signing

(22:22):
people up. I just thought thoughtyou should do a review just and for
the hell of it, see ifthey can beat it. And if they
can, I'd love to talk aboutit. Or if they can't, I
mean, but but you know,that's deaths on you. If they're at
three h three nine nine six ninethousand, you ought to try it.
But meanwhile, meanwhile, you didyou get them removed from your policy in
Missouri? They are now? Yes, they are now. You just wanted

(22:44):
to call and give us the headsup because this was a pain in the
ass, Yeah, it was.It was. It was frustrating to have
communicated we don't know this person,don't add him, and they added him
anyway. So just awareness that thathappened, and it's you know what,
it's a good it's a good awarenessand a good thing to remind people of.

(23:06):
And I appreciate you calling three ohthree seven one three talks seven one
three A two five five Go witha sure thing Denver's Best roofer Excel roofing
dot com. You don't pay acent until you're content. Time for an
insurance checkup free, no obligation.In comparison, call Compass Insurance paying too

(23:30):
much your coverage at dozens of insurancecompanies find out now three oh three,
seven to seven to one. Help. You'll think you're his only customer when
you choose Frank durand the real estateman dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Martino,
you're troubleshooter. You know, themost important guest here today hasn't really

(23:56):
said anything yet. And it's notJaybrett, said excel roofing. It's it's
really Charlie Bretts. Do you knowwho? Charlie Bretts is? Mark's dog.
We're gonna put him on camera.Let's I'm gonna put the camera right
on him. It's a little corny, not the white shot. I'm putting
that camera over there there, Sogo sit down there. There he is.

(24:18):
Now, if you want to seethe cutest dog alive, then you
can tune into my YouTube or Facebookand see him. That's Charlie. Charlie.
Say something, say something. Hedoesn't. He doesn't speak on command.
That's not Charlie. That's sham.There are some words that will get
his attention. Oh oh yeah,I see. Now here's the deal.

(24:38):
We tried giving Charlie a treat andhe's a treat snob. He didn't want
anything biscuit. He wants popperoni ormeaty. He likes beef jerky. Everybody,
look, I got his attention toeverybody needs to go to YouTube or
yeah, and you'll see the cutestthat Charlie is the cutest, you know.

(24:59):
I think he's got popular after thatseries The Crown, I really do.
And they found out about the QueenLove and the Corkis because I see
them all over now. They're smartdogs too, Yeah they are. I've
never had a smaller dog. Andhe's more convenient for sure. Yeah,
he's smart. And they're cattle dogs. They go all day long, So
don't buy a Corgi unless you've gottime to go exercise that guy. But

(25:21):
they have good bladders. He's tellingme to my god, he's got the
world's biggest bladder. He doesn't pee, I mean, I mean he doesn't
pee in the house. He canpee for a minute straight. Hey a
less what's going on with you?Less, Yes, sir, thank you
for taking my calls here. What'shappening, less oile. I've been arguing
with a Department of Revenue Sales TaxDivision. Okay, oh wow, what's

(25:47):
going on with sales tax? Weillthey try and charge you for stuff.
Well, well, let's put itthis way. I do all a little
bit. But are you First ofall, let me ask you this.
Are you in business? Is thatwhat it is? What's that? Do
you own a business? Yes?Sir? Okay? And are they saying

(26:07):
that you did not collect enough?You know, they're saying, I,
well that I owe taxes that Idon't. Oh, and I don't know
really why because the only thing they'lldo is try and put tell you that's
under your sales tax deal and youcan't get to it unless you put your
banking information on the web. Yeah, but let's hold on a second information

(26:29):
Mark Mark and SEUs. Mark andSEUs have dealt with this, you know,
owning businesses before. And while wedon't deal with sales tax, we've
handled a lot of these cases andhave a lot of experts. But you're
not giving me enough. You're justsaying, you know, they say,
oh you don't. I mean,what exactly are they saying happened? What
are they saying you did not?Generally they come in and audit. Did

(26:52):
you get audited? No, youdidn't get audited. So what did you
not do? You didn't put theforming when it was due? Are you
doing monthly? Quarterly? Yeah?That's what we need to know. How
did this start? How did thisstart? Okay, I started my business
back up again, and while Idon't know twenty nineteen, I guess it

(27:14):
was started filing sales tax, youknow. And I didn't understand that they
have all of these deals that youhad to do. I do business in
different counties. I do nothing inpark Or where I live, and my
sales tax deal is out of whatthey call triple O one or something.

(27:38):
And I didn't let me ask.You said that, Mark, with sales
tax? Do you file quarterly ormonthly? How do you do that?
It depends most people are going tobe doing it monthly, unless if you're
not making Jack and Mark. Whenyou file a return monthly, you put
down your transactions and stuff, andthen what you collected you send to the
state. Is that how it works? The state, the county, the

(28:00):
municipality. I mean, Jay,he probably doesn't do his own books,
but he can attest that if hedoes a roof in Douglas County, he's
or in Castle Rock, for example, he's going to pay sales tax to
Castle Rock or collect it. He'sgoing to pay sales tax to Doug.
So that's really complicated. You haveto like pay sales tax all over the
place, right, Jay. Sowhat we do is when we buy the

(28:22):
material whoever we buy the materials frompays the sales tax on that. However,
we have to get a permit.That permit is half and half half
of it is for the permit inspection. The other part of it's a use
tax. And that use tax isnon refundable. And then I'll tell you
that we have we have no HVACcompanies do it like you don't have to

(28:42):
few individual sales taxes then because yoursupplier pays them. If the supplier did
not take those out, we wouldhave to and we have had to do
some in the past. Yeah,but they take them out on that job.
Yes, then, which is Schumerdoes consumer pay that? Then ultimately
they have to pay because it's allwrapped up in the job. But wherever

(29:03):
the point of sale is, sothe get is where the sales tax is
charged. So it is, Ithink, but it's charged by the supplier,
not by you. The supplier chargesme for it, yes, and
then you charge, but the butthe it's the supplier that does the tax
return they do. Okay, that'sokay, Mark, what were you going
to say, Well, I realizehe does it that way like HVAC companies,

(29:26):
But I'm just going to tell himthe time is going to come to
an end. And here's why he'sbuying material at a wholesale value even though
he's paying sales tax on it whenhe sells it to the consumer. It'd
be like me buying tires from Goodyearfor fifty dollars and paying sales tax on
fifty, but then I sell thetire for one hundred dollars and don't collect

(29:48):
the additional sales tax. Those dayswill come to an end. And they
have another states what saying you markup those roofing supplies right after paying sales
tax on a lower amount that wouldbe considered the profit and the job,
and then the profit is taxed bythe state, so the municipality doesn't necessarily
share. And but they're at aspecific part, but they're probably But but

(30:10):
Mark is saying that if that roofthat you bought for one hundred dollars is
sold to the consumer at one hundredand ten dollars. Then that everyone's going
to want a piece of that extraten bucks. Yeah, and the unfortunate
part of this story for me isthere's not a huge difference between a wholesale
and a retail price. People cango down there, I understand, But
they're the people at March sid Is. They're going to be greedy. I'm

(30:32):
not saying they're going to come afteryou, but because a lot of pill
that What Mark's point is is thatwe're getting the material to much discounted wholesale
rate and they're not necessarily Well,there's roofers I'm talking about. I'm talking
about people that buy a furnace fromthe wholesalers for fifteen hundred and they sell
it for eight thousand dollars. ThatMark, they're getting away. They're they're

(30:55):
getting away with it. I mean, every one of them is doing it
that way. Yeah, they're gotMy point is they're going to clamp down.
Other states have put it in.But here's what I want to know.
Here's what I really want to know, Mark, And I don't want
to stir a or open up awhole can of worms here, but here's
your deal. Okay, let's saya company buys a furnace for a couple
grand and sells it for eight Nowthey make six grand. They're not paying

(31:19):
sales tax on, right, Yeah, isn't that right? Right? Yeah?
Six grand? Six grand at thatsale. The sales tax is not
being paid on. It's being paidto the the for the two thousand to
the supplier. But here's what Iwant to know. Do they charge the
consumer on the whole eight thousand salestax? Because if they did, then

(31:40):
that's real they're profiting by that.Yeah, down to that, I well
know. No, okay, Sowhen they when they charge the sales tax
to the consumer, are they chargingthem the sales tax that they paid the
supplier or are they paying charging themsales tax on the retail They're they're passing
along their sales tax to the consumer. My point is that they should be

(32:02):
charging more. No, I seewhat you're saying. They don't do a
separate line item for tax, likeyou don't do that well, and if
you look at a lot of lineitem for material, so they well right
barely do that. Jay. Theygive one price of eight thousand dollars and
most HVAC companies don't break down laborat all. No, they don't.

(32:22):
It's a it's an eight thousand dollarsprice for the entire job and the labor
the material is labor sales tax aswell. Then not the end. No,
okay, so right now though innormal business only, materials are sales
taxed in Colorado as of this second. So Mark, I get back.

(32:45):
I didn't forget about you less.But what Mark is saying is valid.
If you if you had a lineitem on your contract saying, Okay,
the furnace, we bought it forten and we're going to charge the customer
four thousand finals from you do alump some I get what you're saying.
They would have to prove that thatsome of that markup was on the material.

(33:06):
You could say, no, it'snot, it's just what we charge.
They would have his profit. That'swhat you're saying. I get what.
I get what he's saying. Welisten, I'm gonna come back to
you less. Hold on, wegot to take this break. Go with
a sure thing Denver's Best roofer Excelroofing dot com. You don't pay a
cent until you're contenth time for aninsurance checkup free, no obligation in comparison

(33:31):
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three oh three seven seven toone help. You'll think you're his only
customer when you choose Frank durand thereal estate man dot com to list your
home with Remax Alliance three oh threenine two zero sixteen twenty two. Hi,

(33:52):
Tom Martino, your troubleshooter three Othree seven one three talks seven one
three eight two five five less hasan issue with collections, and he says
what happens is he's he went backin business in twenty nineteen, has been
filing sales tax returns. Now thestate says he owes more than he says

(34:13):
that he's paid in. Is thatbasically it less? Ah? Yes,
sir? Okay? Do you havean accountant? Do you have an account
sir? No? Did they doan audit of your sales tax report?
No, that's what you need todo. Did the state do an audit?
No? What are they basing it? Audit? Well, what the

(34:36):
problem is, I think, Tom? Let's say I do ten thousand dollars
a month in sales. Eight thousandof that is two state institutions the stuff
that's tax free, then the otherstuff. I filed taxes on a sure
three different counties under different counties.Well, but I wasn't filing under my

(34:59):
Douglas aunt Adre, which I donot tell anything from. All Right,
hold on, we'll come right back. Hold on, I'm Tom Martino.
Go with a sure thing Denver's bestroofer Excel Roofing dot com. You don't
pay a cent until you're content.Time for an insurance check up free,

(35:22):
no obligation comparison call Compass Insurance.Pay too much your coverage at dozens of
insurance companies find out now three ohthree seven seven to one help. You'll
think you're his only customer when youchoose Frank durand the real estate Man dot
com to list your home with RemaxAlliance three oh three nine two zero sixteen
twenty two rip. You need adviceso you don't have come run anxious ass

(35:54):
as we can shoot us gonna helpcome. This is the Troubleshooter Show.
No Tom Martino, Hi Tom Martinohere, Welcome to the show. Solving
problems, answering questions, taking complaints, and making life just a little easier.

(36:16):
What is happening in your life andhow can we help you? So
what I need you to do isgive me a call. For some reason,
I got signed out here, butI have to sign back in to
get my email, I mean mycall screener. So tell me who's next.
I'll just take the call. Dowe have anybody waiting? We still

(36:37):
have Less? Okay, yeah,so less, Mark, you have to
help me on this since I don'tunderstand fully why this is. I still
don't know what. It sounds likehe's simply not reporting sales taxes that correct.
Less, No, I'm reporting whatI've collected. But what I say
like, I didn't understand. Ihad to file a return until middle of

(37:00):
twenty twenty two for the what theycall the triple oh one Parker address,
which I never sell anything out of. Now, why would they make you
hold on? How are they determining? How are they determining where you have
to file it from? I don'tget that part. I don't know they

(37:20):
come up with. There's I've gotto file nine different eight different locations,
depending on where my customer is,whether it's Phillips County, whether it's alf
Passo County, whether it's so Mark, is that right do you have to
file in each state that you dobusiness? I mean, excuse me,
in each subdivision you do business?Is that? Is that right or wrong?

(37:46):
I mean I don't I don't haveany idea how Yes, every Yes,
I'm sorry, I thought I wastalking but didn't have my mute off.
So yes, every municipality that yousell a part in, and any
county, and then of course thestate. Quite frankly, a lot of
people don't get this, and noone does it that I know of.

(38:07):
But if you have a garage sale, you are supposed to collect sales tax.
No I know, I know nowless, let me ask you something.
Is it only one location they're questioningright now? Well, I file
when I found out that I hadto file this one for what they called
triple O one. I file allof them because they're all zeros. But

(38:31):
nobody's handled it. And the statedoes whatever they want on your account.
If they'll cash your check, theymay give you credit for it, they
may not they made less. WhatI'm asking is what I'm asking is they're
saying you didn't file for one ofyour locations. Is that what it's boiling
down to? I guess that's whatit is. And how much do they

(38:53):
say you owe for that? Well, a couple thousand dollars. But you
said you did not make any salesin that county or in that city,
right, But why does the statecare, Mark about the local counties?
Do they collect that too? No, you send that to the local counties.

(39:19):
I don't know if the state helpsout there end up to the state.
You send it to the state.Okay, I only had five retails.
Okay, go ahead, Less,keep telling me how it is.
So wait, Mark, you meanto tell me you have to send in
a return to the state and toevery single county. Yes, that's what
we would do. Man, ifif it was in Denver, we would

(39:39):
send it. Why don't you hireget audited by Denver. Why don't you
have a professional. Why don't youhave a bookkeeper or a tax guy or
something you can do this with.I mean, when you're in business,
why don't it's gonna save you moneyin the long run. I've just always
done it myself. Okay, Well, according to Mark, you're doing it

(40:02):
wrong. Less, I don't notreally, I don't know if he's doing
it wrong or not. All I'mtelling you is something's not right. If
they're coming after them. Now.You mentioned something at the beginning, Less
that you can't even log in,log on and see stuff because you don't
want to attach your bank account info. I don't know what to tell you
with that aspect of it, becauseif that's how it's set up now with

(40:24):
Colorado, in order for you tolog on, they got to have your
information that I'm not going to changethat. Time's not going to change it.
I mean, you can pretty muchtrust them for that. I've never
heard of the state hacking into yourbank account. You don't have any choice.
You have to give them that information. Less. I just think that,

(40:46):
yeah, you might. You mightbe living an anachronistic life, let's
put it that way, and andthat's out of your time possibly, I
think. Isn't that what an anachronismis? I believe it is. But
but I don't know what else totell you, Bro, I really don't.

(41:08):
Now. Sharon has a follow upfrom two weeks ago on medical billing,
and again I want to try tofind her call here and let her
talk about it. So, Sharon, why did you start talking? I'll
find your call. Does this haveto do when did you call? When

(41:28):
did you call last. I thinkthere's about two or two and a half,
first three weeks ago. But anyway, I just wanted to tell you
thank you. And John from Integrawas very Oh, yes, he's wonderful.
He really is integral for what hehad done and reached out to me,
and so I sent a check.Is this from a mass ectomy?

(41:52):
Yes? Yes, yes it is. Yeah, you had an out of
network a medical This was what's weird. The procedure was. But there was
an out of network medical assistant.And You're ETNA policy said they're only going
to pay twenty percent of that,right correct? No, no, excuse
me that you have to pay twentypercent of that, right right? So

(42:15):
how did that turn out? AfterJohn Jones over at Integra Insurance? Of
course they didn't. They didn't handleThey handled this for us as a favor.
They didn't sell you the insurance.But how did this happen? I
mean, what did they do?As far as I know, he and
I conferred and he conferred with otherpeople, and I sent the twenty percent

(42:37):
check to her, and he statedthat I should put on there. I
am considering this as a payment infull, and so I did that and
the check has been cashed, soas according to him, it's a done
deal, so she can't come backat me. Well, why were they
trying to get more? Yeah,three thousand dollars, But why were they

(42:59):
trying you get this, I notedhere this twenty nine. Why were they
trying to get more than twenty percent? I don't know. That's what I
don't understand. I put in PaperWorksand bills from a that I'm not paying
the facility fee. I mean,I just did everything I could think of
the research that I don't know whereshe came up with this figure, and

(43:22):
no one knows where she came upwith a ten thousand dollars bill for charge.
So because my primary surgeon was fortythree hundred dollars, so twenty percent
of that was eight hundred and sixtynine bucks. Okay, what ten thousand?
I get what you're saying. Soshe was overcharging, is what you're

(43:45):
saying. Very very are you know? I like to know how people are
supposed to know what's in network andwhat's at a network and what they're going
to pay with. I mean,shouldn't they give you a complete breakdown?
This was not an emergency. Didthey give you a complete cost breakdown at
all. No, No, thatwas another surprise to me. I went
through that Federal Surprise Act because thatshould have never been I mean, twenty

(44:08):
percent of the surgeons ys I canagree with that, but not twenty nine
hundred seventy one dollars. So thatwas that was, like I said,
the Federal Acts Surprise Act. Imean, you name it everything that we
could come up with, because thiswas totally bizarre from everyone that I had

(44:29):
talked to. Okay, and Iagree, by the way, for this
medical assistant was ten grand or something. It's crazy, okay, yes,
Oh, usually when you when I'veused medical assistance, you you just tell
them will you accept what insurance pays? And if they don't do it,

(44:50):
then you just don't use somebody else. But most of the people I know
that in medical assistants are very eagerto work, and they would rather work
for insurance than to turn down asurgeon who may not never use them again.
So I never even realized that they'reseparate billing entities. Well, you
always it's very there are very fewsurgeries where you only have a surgeon.

(45:12):
Almost all surgeris you need at leastone assistant. But I always thought the
doctor took his own assistant. Well, I had a friend. We did
ninety percent of our surgeries together,his surgeries and mine. Occasionally, if
somebody's not available, you'll just geta surgical assistant to work with you.
And the ones that I knew whowanted my business would accept what insurance paid.

(45:37):
Well, the insurance denied every pennyof it. So is my responsibility.
And that's when this wait. Theydenied every penny of the medical assistant.
Of the medical assistant when she turnedin that ten thousand and some odd
dollars. Their statement was a nursecould have assisted the medical doctor, and

(45:57):
that was what And I even sentan appeal to the doctor, I mean
to the insurance company, but theywere not going to budge ten grand.
You know that was out of thequestion. And who is your insurance?
Did you say what? Where?It was? Ata? Right? Okay,
but listen, thank you for thefollow up. That's you know.

(46:21):
I know of a case. Listento this mark where the guy went in
to urgent care and the procedure wascovered, but they would not cover the
numbing medicine he had to have stitchesin his hand. Now have you ever
heard such a crazy and they butand here's what they charged for the shots.

(46:42):
They charged like I believe it wastwenty three or twenty four hundred dollars
to numb his hand. God,that's just outrageous. Twenty three dollars for
some where twenty four or something likethat could have been twenty eight. It
was around three grand or a littlelesson you know, if they if they

(47:02):
denied the local and aesthetic tom,I would bet nine times out of ten
it was a coding era. Couldbe maybe it was, I mean,
but there's so many codes you missedby one digit, and it could be
any amount because that that. ButI mean, it's like they walk up
and say hey. It's not likethey walked up and say, hey,
do you want to numb your hand? It'll be an extra three grand.

(47:24):
Your insurance is not fay no,No, they put in their own code.
That's the only way that could happen. Yeah, because how could you
in an emergency turn down numbing.Well, we'll pay for the stitching,
sir, but we're not numbing thatup there. Right, it's a coding
era. Here, here's a potatoto bite on. I mean, oh

(47:45):
man, you know, speaking ofnumbing and anesthesia and anesthetics and well whatever
you call them, and that's localand the physiologists. Could you imagine,
no no thing. Think about thatalone when it comes to advancements, and
to me, anesthetics were the numberAnesthesia is the number one advancement in medicine

(48:09):
of all time. In my opinion, that's one of them. I mean,
wouldn't you say, well, Imean, come on, how the
hell did they do surgery? Ithink sterilization would have to be first,
well, and then yeah, andthen but how did they do surgery?
Very quickly? During the Civil Warwhen they had innumerable amputations? Doctors were

(48:30):
based, you know, on howfast they could amputate a limb. They
did it so quickly. They gavethe guy a couple of shots of booze
and then they took the limb off. But they were really no, no,
no, my god in heaven,I can't even does your body no,
I'm serious, Doc, you're adoctor. You probably study this.
Does your body shut down? Sometimesyou go with the shock? But does

(48:52):
that when you go into shock?Does it shut down where you don't feel
it as much? If you're tooka total shock? Now ken it can
shock like that kill you. Youknow, I don't know, Tom,
Okay, all right, it's justTom. I think you just do what
you gotta do. Like that guythat got stuck in the canyon in Utah
and had to cut his arm offwith the with the leatherman knife. I

(49:15):
know a guy that got his handhis arm stuck in one of these farm
equipments where there it's the combine.Yes, and I'll listen. I think
that's what they call it. Hisarm was ripped off. Now for no,
no, it wasn't really it wasalmost ripped off, but he is.
So he had to hold it upthere on purpose to make they see.

(49:37):
He couldn't get out of there,so he had to finish the job,
do you know what I'm saying?Because it was caught partially partially cut
off, so he had to leaninto it, lean into it to take
it all off. Then he hadthe presence of mind after that it was
gushing blood. To hold it upagainst the was a belt spinning still,

(50:01):
I think is that a combine ofa belt. Whatever this was had a
belt in order to cauterize it.He held it onto the belt because it
was going so fast it kind ofit burned his flesh together. Then he
listened to this man. It's true. He gets in a car and drives

(50:22):
himself to the hospital. Incredible,But there was nothing to take to the
hospital to have sowd on. Itwas Hamburger. So basically, I mean,
I know I should be telling peopleto tune out, I guess,
or to at least cover your earsif you're queasy. But that's a true
story. The man's now deceased.But oh my god, what a story.

(50:44):
We got more coming up. Gowith a sure thing Denver's Best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Were
an insurance check up free, noobligation. In comparison, call Compass Insurance

(51:04):
paying too much your coverage at dozensof insurance companies find out now three oh
three seven seven to one help.You'll think you're his only customer when you
choose Frank durand the Real estate Mandot com to list your home with Remax
Alliance three all three nine two zerosixteen twenty two. Hi Tom Martino,

(51:28):
you're a troubleshooter. Three oh threeseven to one three Talk three oh three
seven one three eight two five five. By the way, my my new
best friend is co Pilot, whichis Microsoft's AI. I'm dropping chat GPT.
It doesn't even come close to copilot, and co Pilot talks to chat

(51:49):
dozen so I can say copilot blahblah blah and it will do it.
Oh, I want to do anexperiment here, honesty, gosh, I'm
gonna do an experiment. Yes,copilot? Who the best roof? Hold
on? Hold on? Hold on? What can you tell me about Mark
Major? Who lives in Denver,Colorado area? Oh, don't make me

(52:14):
put your name in I already did, Lord knows hold on, hold on,
Mark, hold on listen. Ohthey see they don't have your spelling.
A few individuals named Mark Major associatedwith It's the wrong one. It's
the wrong spelling. Never mind,Well, how do I make very handsome,

(52:38):
well educated? Keep going? Holdon? Hold what do you hold
about Mark? Holder on the Troubleshowwhat can you tell me about Mark Major?
Spelled? He doesn't even list meon the show. I don't know
what you're talking are I am prettyabsolutely serious? That sounds like you've been

(52:59):
hold on, hold on ghost itno, see, never mind totally this
one does chat brought them up anyway? Three oh three seven one three talk
seven one three eight two five five? John, what's happening man? What's
going on? John? I'm doingwell? How are you good? Man?

(53:19):
What's happening? Hey? So Ithought about coming owner operating three years
ago? Wait? You became anowner operator three years ago? Yes?
Okay? And I bought of semichops and uh, it's patrick could be

(53:39):
giving your problems since day one?Now? Did you buy a used semi?
Yes? I did, and it'sgonna this is gonna be like any
used car or used vehicle purchase.What I'd like to know is what did
you buy? Two even sleeper?Wait? Wait a two thousand eleven?

(54:09):
Oh? I got it? Twentyeleven? What kind? Uh? Freightliner?
Okay? And did you go toa major? Did you buy the
trailer too or just the cab?Just a cab? It's a sleeper for
one okay? Now what is goingon with it? So? From day

(54:35):
one? How did we get toUh? I went to the shop to
look at it because that's where theyhad it before they Was this a dealer?
Was this a dealer? Yes?Who's the dealer? Uh? Whether
didn't I say? Right? Now, okay, go ahead. Then what

(54:59):
happened? Yeah, they're a borderoff in Commer City and want to go
look at it at their shop.They had to read to their selling yard
yet, and I just figured thatthat would be the one, and so

(55:19):
get back to their dealer yard andstart on paperwork and they let me take
it. About a week later,they let me take it, you know,
just to kind of like get afeel of it the driving. And
I had already start having problems,certain problems at the time that they let

(55:45):
me keep it. The test routedand but you still went through with the
sale, right, yes, andso but why why did you do that
if you were having questions? Mmhmm, Because I knew that there were
I was going to be facing repairsgetting into the as an owner operator,

(56:09):
and I didn't mind taking the repairson it. But eventually it was repair
after repair every how. Wait wait, wait, did this come as is
or did you get a warranty?So there were it was both. It
was as is and there was awar. Well there, it's not both.

(56:30):
So what do you mean by that? Well, when I first thought
it, there was as is,and I didn't want to sign it,
but I told the seller that Ican't sign this because it's as is and

(56:51):
it's going to avoid my warranty.And he was like, no, it's
not, so I signed it.But John John, hold on a second,
A twenty eleven freight liner doesn't havea warranty. I don't know of
any warranties that go fourteen years?Do you no? Then? What did

(57:13):
you mean it was gonna? Oh, I'm sorry you bought it three years
ago. I'm sorry, But wasit under warranty factory warranty at the time
you bought it? I doubt itwas it factory warranty though there was a
Misserve dealership warranty. Well, thereis no dealership warranty unless they include a
warranty. So you either buy itas is or you buy it with a

(57:35):
warranty. So I'm confused. It'snot that we don't want to help you,
but I need to have accurate informationor I can't help you. Did
you buy it as is? Theanswer is yes, right, yes.
How many miles were on it atthe time about four hundred and seventy or
seven thousand, that's pretty hefty evenwhat did it have a Cummins or Detroit?

(57:59):
What did it have de choite andit's a series sixty uh D thirteen.
What's that dB thirteen de choite?Okay, so that's an oil bucket.
Basically, all right, hold ona second, let's let's figure this

(58:22):
out. Three oh three seven onethree a two five five Go with a
sure thing Denver's best roofer Excel Roofingdot com. You don't pay a cent
until you're contenta time for an insurancecheck up free no obligation comparison call Compass

(58:43):
Insurance paying too much your coverage atdozens of insurance companies find out now three
oh three seven seven to one Help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Martino,

(59:05):
your troubleshooter three oh three seven toone three talks seven one three eight
two five five. So John onthese on these trucks. You know,
I know people think those mileage isoutrageous, but you know a lot of
times, you know half a millionmiles. People will buy a used truck
with a half a million miles andget another three hundred out of it before

(59:28):
major repairs. If everything was doneperfectly to that truck. But even though
the engine might go that far,you still have problems with mounts and transmissions
and ball joints and front ends andbut they're all pretty party and able to
go right out of the factory.Probably they can all go five hundred thou

(59:50):
but that's when you start having toreplace things. Now, did you get
an independent checkout of this truck BEFbefore you bought it? Independent checkout?
Like did you take it somewhere tobe checked like Stuart and Stevenson or Interstate

(01:00:12):
or somewhere where you know where theycould check it out? Yeah, yes
I did, And I'm not talkingabout where you bought it. I'm talking
about an independent shop before you boughtit. You took it there right right?
Where did you take it to bechecked out? Oh, there's a

(01:00:37):
place called uh your own west orto choke through the self freightliner parts And
they have a garage and they tookit in and went through it for you.
Yes, yeah, they're at viewership. Well that's cool. That's not
where you bought it, right,No, that's not where I bought it.

(01:00:59):
But okay, what did they chargeyou for that pre buy inspection?
Uh? Five hundred bucks? Wow? So did they find any problem?
I'm glad you did that, John. Did they find any problems? Yes?
They did. They mentioned to methat there was a problem with the

(01:01:19):
fuel system, and they mentioned thatthere was like metal metal shaving in the
fuel system, and so I calledit the the cardier back. We're messing
to them that we got a problemhere, and they pretty much told me
you already bought it, you alreadysigned for it. Wait, no,
John, you just told me youhad it checked out before you bought it.

(01:01:47):
Uh. Yes, actually after Ibomb well that that won't count.
Never mind, that won't count.So you bought it kind of as is.
That still doesn't mean I want tomake this clear, John, let's
get right to it. Okay.Yeah, even though you buy something as

(01:02:07):
is, that doesn't mean someone canlie to you or cheat you. Okay,
because they can't. But here's theproblem. I don't know where we're
going with this. But if youthink you were defrauded or cheated, is
that the case or do you feelyou just don't like the truck? After
three years? How many miles didyou put on it. So I now

(01:02:30):
it has like seven hundred and eightymiles? Did you you put two hundred
thous on it? Yeah, andthen the motor finally went out let too
much of it? Well, holdon a second. So you had four
hundred and ninety five and you putthree hundred thousand on it about from your
math, and you went nearly amillion miles? And so what what is

(01:02:54):
the about today? So off andon. I've been putting adding parts to
it and had it and shot quitea bit a few times until like two
months ago the mother went out.So yeah, but what is wrong with
that? I mean? And Idon't I'm not being a smart ass here,

(01:03:14):
John, I'm really trying to discussthis. If you buy a truck
with that almost a half a millionmiles and you put over two hundred nearly
three hundred thousand miles on it,you're gonna have maintenance issues and eventually have
to replace the engine, right,right, right, So the truck was
forty thousand. That took already overforty thousand into it. Wait, you

(01:03:38):
bought that for forty grand, yes, and you put forty into it?
Is that including the new engine?No, the engine has just happened a
couple of months ago. So what'sthat gonna cost you? Probably about another

(01:03:59):
two thousand? Okay, So theforty that you put into it, was
it anything that the dealer lied toyou about? No? So it was
normal wear and tear. Yeah,I thinking around that park. But let

(01:04:26):
me ask you some to John,If you've talked to other truckers I'm sure
and other people do you, isn'tthis normal? What happened to you?
Isn't it normal? In other words, I'm not blaming you, I'm not
blaming the dealer, but it's justnormal. I mean, you put miles
on things, and you have maintenanceon things. Or is there something else

(01:04:49):
you're not telling me? See,I know you're upset about it, but
why because I've ended up putting morethan what I've paid for it in repairs?
Okay, but that's what I'm gettingat though. Those repairs were they
abnormal for another truck that would havefive hundred thousand miles on it? Probably

(01:05:15):
soon? In other words, yeah, did the dealer? Did the dealer
do you wrong? You know?Yeah? Yeah? How by telling me

(01:05:39):
something that wasn't going it? Oh? Wor's forty thousand? Well? Who
says it wasn't worth forty thousand.By all, there were seats that I
have to show the repairs of.No. See, we're in a circle.
Now, we're in a circle.Hold on, John, What you

(01:06:00):
put into something isn't indicative of whatit's worth. What you put into something
is indicative of how it was wornout, what it was worth at the
time. Why did you pay fortythousand for it if it wasn't worth forty
thousand. Well, it was thefirst truck that I have bought, so

(01:06:24):
okay, So you didn't do alot of research on it before you bought
it. Yeah, I did alittle research what kind of brand it is
and how far it is going toget me. But I mean you already
don't know what you get until youknow you test. You know. Let
me ask you this. When youtalk to other truckers, do they say,

(01:06:45):
hey, man, you should reallybe upset and that they did you
wrong. I mean, what dothey tell you? No? Actually,
I know how the drivers you allthough, because and bent through plums like
this. But like I said,since day one, I've been experiencing just
throw money out to make this repair. No, I get it. Listen,

(01:07:09):
I don't doubt it. I justdon't think there's anything you can I'm
gonna be honest with you here,John, So you're not wasting time.
I don't. I don't see anythingyou can do about it. That's the
luck of the draw. Whoever hadthis truck maybe did not maintain it as
well as they should have. Butbut I mean, it's not unusual.
It's not unusual. That's all Ican say. And if it's any consolation

(01:07:34):
to you, I look these up. Okay, if you put an engine
in that right now, can youupgrade that, by the way, or
are you talking about just a straightrebuild, straight rebuild? Okay, if
you put if you rebuild that engine, you're gonna be good to go for
a long time. What kind oftrun do you have an Alison transmission?

(01:07:59):
Manuel? Yes? Yes? Isit Alison? Yes? That transmission?
Is it giving you any trouble?No? You know, it might be
worth putting the money into that truckrather than trying to sell it and get
another one. It might be worthit, especially if it's making you money.

(01:08:21):
I got to take this break holdon go with a sure thing Denver's
best roofer Excel roofing dot Com.You don't pay a cent until you're content.
Plea time for an insurance checkup free, no obligation comparison call Compass Insurance

(01:08:41):
paying too much your coverage at dozensof insurance companies find out now three O
three seven to seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateman dot com to list your home with
Remax Alliance three three nine two zerosixteen twenty two. Hi, Tom Martinez,

(01:09:14):
your troubleshooter. Three oh three sevenone three talk seven one three eight
two five five. Let's go backto the phone. Let's go back to
the phone. So here, wedon't have a lot of time, but
I want to start. I don'tthink there's anything we can do for John
on his truck. I really don't. I wish there was something we could
do. I don't think there is. Max. What is your question on
movers? Yeah, I listen toyou all the time, and you've warned

(01:09:39):
repeatedly about hiring movers that might selfcontract to somebody else, and I want
to know how to avoid that.I'm okay, you know what. I
really applaud you for calling me bro, because I want to help you,
and let's talk about that. Ifyou hang on and you're gonna save yourself
a ton of trouble just because youdid this. Because most people, not

(01:10:02):
some, Most people get ripped offby movers. I'm Tom Martine. Go
with a sure thing Denver's best rooferExcel Roofing dot com. You don't pay
a cent until you're contenth time foran insurance check up free, no obligation.
In comparison, call Compass Insurance.Pay too much your coverage at dozens

(01:10:26):
of insurance companies find out now threeoh three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate Man
dot com to list your home withRemax Alliance three oh three nine two zero
sixteen twenty two ripped delet advice.You don't have come run anxiousness can Shoot's

(01:10:57):
gonna help come? This is theTroubleshooter Show. No Tom Martino, Hi
Tom Martino here. Three oh threeseven one three talk three oh three seven
one three eight two five five.Let's talk and solve problems, answer questions,

(01:11:17):
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Let's talk to you now about yourproblems. Max. You have a
question on movers, and I'm sohappy you're calling before the move, not
after the move. But it dependsthere's moving is a problem. The main

(01:12:01):
problem, however, is when you'removing interstate, not in trust state,
although interra state local moves are stilla problem, but the main problem comes
with national moves. What are yougoing to be moving where? I mean
I'm gonna be I'm going to bemoving to California, Sokay? All right,
Now I'm going to give you arecommendation and then it's going to take

(01:12:23):
away most of your problems. ButI'm going to give you general rules for
those listening. First rule Tommy's youshould get a psychiatrist if he's moving to
California. Okay, Max, listen, listen, man, here's the here's
the bottom line. All right.First, analyze, and I mean this,

(01:12:44):
analyze what you're moving. If you'removing old couches and chairs and a
bunch of old crap, it's almostnever worth moving. It's better to get
rid of it and buy I'm seriouswhen I tell you this, By the
way, it's better not to andjust to your keepsakes, your memorabilia and
the stuff you really love, andpack that up and either ship it or

(01:13:06):
just take it with you in amotor vehicle of some kind or rent one.
Now again, if your hell benton moving, which is fine,
but I'm telling you this. IfI was going cross country, I wouldn't
take anything. I would sell itall. But in any case, let's
talk about moving first and foremost.I'm just gonna say this, never ever,

(01:13:30):
ever use any movers out of Florida. Okay, check that off.
Number one. Number two. Numbertwo, Never go to the internet and
just pick someone because ninety eight percentof the time, they're not movers.
In fact, if you go tomy YouTube, I have a brand new

(01:13:51):
video up there outlining this whole thing. The first because here's the scam and
variations of it, I'm going togive it to you really quickly. The
first person you call, no matterwhat price, they're going to give you
a good price. They're going totalk to you into giving them a deposit
and you'll never see or hear fromthat person. Again. That's that's broker

(01:14:15):
number one, who's no. One, but that's the one that most people
get when they go to the internet. That person now sells the contract to
someone else. That's someone else's jobis they paid a few hundred bucks for
that contracts plus that mover talked youinto a deposit, so now they're out
of your life. The second personnow enters and they come to your house

(01:14:38):
to pick up your stuff. Whenyou're desperate to leave and you're thinking,
okay, they're going to be here, going to be here, they show
up and say, oh, wecan't do it for that price, and
they increase it and if you don'tpay it, they don't pick your stuff
up. So you're desperate and youpay it. Happens every time. That
person ninety percent of the time willnot be the one to deliver your stuff.

(01:15:00):
They're going to sell you the moveto someone else who's going to move
it and deliver it. And whenthey get there, they're going to tell
you they waited and it was waymore than they were told and you're going
to have to pay again for themto unload it. And if you don't,
they're going to hold your stuff hostage, and then the nightmare begins.
So what you really want is atrue mover who owns trucks. Okay,

(01:15:28):
if they don't own and operate trucks, you do not want them. I
don't care who they are. Now, they can lease those trucks, but
it has to be their trucks,and they have to have a brick and
mortar location. If they do not, that's just don't use them. And
then you only want to deal withestablished national movers. Now, I don't

(01:15:50):
mean names that say we're established nationalmover. I mean established national movers okay,
USA movers. Okay, I meanlike just established, And what do
I mean by that. We've heardof Beacons, we heard of Lafayette,
we heard a North American we've heardof Grabel. These are established, Okay,

(01:16:15):
they're not just coming up. Now. You're gonna get a lot of
them with similar names. Okay,but you do not want that. You
want not someone who said that theyare, Like like they come up with
a name like Lafayette Storage and Moving, it's not Lafayette or Beacon. There

(01:16:35):
was one that played off the nameBeacon or Mayflower. You want to make
sure they are actually one of thesemajor movers. And then you want to
use one of their reliable agents,someone who's been an agent with them for
years, and someone who owns trucks. That's it. Okay, that's it.

(01:16:59):
And then you want I want toget from that mover. I don't
care if they say, well,that's going to be more expensive no matter
what they tell you. You wantwhat is called a guaranteed not to exceed
contract. Okay, if you dothese things, you'll be fine. Now,

(01:17:19):
if you're here in Colorado, youshould just use American Moving. Yeah.
I was just gonna say, ifyou're here, go to referral liss
dot com and use American Moving.And they're an agent for who mark beacons
beacons. So there you go.We already did your homework, I got,

(01:17:40):
I got a question for you.Go ahead. My situation is that
I am leaving my home. I'mdoing what you shaid. I'm getting rid
of most, if not all,of my furniture and most of my goods
are in boxes, and it's goingto be a lot of boxes because I'm
a professional and I have to takea lot of records with me. So

(01:18:01):
the situation is sound like, Biden, how many how many boxes? And
how much will those boxes fill upa whole semi or is it just can
you rent a van or tell mehow big? Well, how much volume
about? I would say about atmost thirty boxes. No, that's you

(01:18:23):
know, And I don't have anybodyto drive a rental truck across country,
And that's too bad. That's toobad because that would be one of your
best options in the world is toget a U haul or some or a
rider truck and either do it yourselfor get someone else. That's really your
best option for what you want,that's your best option. I would never
trust just boxes with records with aregular mover. Okay, well, well

(01:18:46):
it's not just records. I meanit's some personal goods too. No,
I get it. Maybe then thencall American. Just call them. But
you want to guaranteed not to exceedcontract? Question will will now can or
a company like that take on asmall amount like that? That's that you'd
have to ask them. They haveto what they have to do when you're

(01:19:08):
not filling up trucks. They haveto do what's called coordinated moves. That
involves coordinating you with other people goingin the same general directions. So and
then they put you on the truckaccordingly. But yeah, they can do
they they can do it. Thebigger the mover, the more chance of

(01:19:29):
them doing it. When you saya guaranteed contract not to exceed? Are
you talking money or pounds? Money? Okay? Understood? Yep, and
you should be okay if you havethat many boxes, what furniture are you
taking? If any? None thatI can really think of right now,

(01:19:51):
I'm going to go to state sale. Well then it does boil down to
boxes, right, yes, sir? And are you going to pack all
those I have? We put themin boxes, but I could have the
movers pack them. I'd rather dothat. It's safer, I think,
to have movers do it. Yes. Sometimes. And by the way,

(01:20:17):
if you don't buy insurance. Themost you're going to be covered for is
sixty cents a pound. Okay.And if your records are really really important,
like legal or medical or financial,yes, then then I wouldn't do

(01:20:40):
it with a regular mover without abonded carrier, especially with legal and financial
and I mean financial, like likeif you're if you're a registered investment advisor,
and you're required to keep those recordsfor five years, don't don't use
it with a regular mover. Yousaid you're a professional. What kind of

(01:21:02):
professional records are we talking about?Medical? Hey? Doc? What would
you do if you had to movemedical records? Can't? Are you?
Are you? Why are you takingthem with you? Why don't you leave
them with a depository? I'm curiousbecause some of the work that I did
is sensitive or was for the government, and I may be called to testify

(01:21:27):
and things like that. Okay,I have to have them close at hand.
Interesting, Hey doc, Yeah,a medical record. When you closed
your office, did you sell yourpractice or close it? I closed it?
What did you do with medical records? I was in an unusual position.
You have to keep medical records forseven years, except if you're an

(01:21:50):
obstetrician. You have to keep birthrecords for twenty for eighteen years, So
technically somebody who was born and hada problem could sue me up until they're
eighteen years of age. So howdid you do it? I? Well,
I was I never moved. Ialways kept them in my home.

(01:22:12):
Really Yeah, in the basement orin the garage next to your corvette.
Yeah, right next to my superroute. Wow, Okay, can he
scan them? Can he? Canhe just scan all these documents and have
them digitally? Are you allowed toscan those records? Yeah? But you
know what it's like to scan acouple of hundred up records every single page.

(01:22:39):
Well, I'm sure there are servicesout there that would do that.
I don't know, it would be, it would be Why would it be
worth it if you're never gonna needthem because you don't know? Well you
might, but I mean you're talkingabout thousands and thousands of dollars when you
can storre them for next to nothing. I would rather scan them when I
need them. Yeah, I'm withyou. I would get a storage storage

(01:23:01):
facility in storm. What did youdo research? Max? No? Would
you have to kill us if youtold us what you did probably okay,
well, probably part of the Philadelphiaproject, it would It was a lot

(01:23:23):
of his court testimony. Ori AENTIokay, court Testmary. Yeah, like
I said, you know, yoube your own judge on that. I
mean, most movers, if they'rereputable, are going to take care of
stuff. They're not just going tolose it. But if you're personally responsible
for stuff and it has to dowith liability, I would never ever just

(01:23:44):
do it like that. Ever,if I had to hire someone personally,
and I'm sure you can find somebodyto drive a truck, I would rent
a truck and hire someone. That'swhat I would do. But in any
case, I have a question.Is American Movers that you recommended a bonded
company? Yes, okay, wellhold on, they're insured. Bonding is

(01:24:10):
a different story. I don't know. I can't say for sure, but
they're licensed and insured. But rememberthat insurance is for negligence, and that
insurance is for the minimal insurance foran interstate carrier. It's not for you,
okay. It's only if they dosomething crazy and something or accidents and

(01:24:35):
stuff like that. Okay, Butthe maximum coverage, the maximum coverage to
you still remains sixty cents a pound, right unless I buy extra? Right,
that's right. But I'm going towarn you of something. You can't

(01:24:55):
establish the value of a record.It's going to be the cost of paper.
If you have to go beyond thatfor artwork and for documents and there's
some kind of derivative value or intrinsicvalue, you're going to have to do
bonded carriers. So if anybody besidesAmerican movers that you reckon, I mean

(01:25:21):
bonded carriers, I don't know ofany. No, but they exist,
but you're going to pay for it. Hey, mag do do the records
have to be with you in California? You no Federal Express? I'll bet
you Federal Express and Perk? Whatis the other one? Yeah? They
they have. Well, I believethat you can get them to do bonded
car carriage. It's the minimal amountof furniture that I want to take.

(01:25:47):
It is truly minimal. Do youhave anybody besides American movers to take that?
Well, I don't actually mark who. We used to have others on
the referral list. I'm not notthat it went out of state. Oh
okay, yeah, you're right,you're right, No, we don't,
but that doesn't mean they don't exist. I mean there are a lot of

(01:26:08):
good people out there if you wantedJohnson and Johnson where the little Teddy Bear
is? Yeah, Johnson and Johnsonhave been around for one hundred and twenty
five years. But they're not goingto be any different. And I mean
that they're not going to be differentthan American, you know. I mean,
they're just they're just other dependable movers. But I I'm not sure are
you asking for others as in forsensitive materials? No, I'm just just

(01:26:34):
general if okay, if you wantto get another bid, you can go
to American on referral list dot comand then go to Johnson and Johnson.
You will never go wrong there.They used to be on the referral list
years ago. But I know,Mark Johnson, they've been around for many,
many years. Okay, yep,very much for the hell. Sure,
let us know how it goes.Thank you. Are you a doctor

(01:26:55):
by the way, Yes? Yes? Okay, cool? Thank you for
calling three O three seven one threeA two five five go with a sure
thing Denver's best roofer Excel roofing dotcom. You don't pay a cent until
you're contenth time for an insurance checkup free, no obligation comparison call Compass

(01:27:20):
Insurance paying too much your coverage atdozens of insurance companies find out now three
oh three seven seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateman dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Martino,

(01:27:49):
your troubleshooter three O three seven onethree talk seven one three eight two
five five. Let's keep going here. Bruce, what's going on with you?
Bruce? All right? Tim me, what's happening. I'm on Social
Security using Medicare. I went toa dentist to talk him about getting ventures

(01:28:15):
and you're on Medicare. Yeah,Medicare advantage. Yeah, I'm sorry,
Medicare avanges. Okay, does thatcover dentures because regular Medicare will not.
I think the limit was with fifteendollars for them, if I'm not mistaken,
And that's pretty much what it covers. I mean the whole price.

(01:28:36):
You can get dentures for fifteen hundreddollars. Yeah. Now wait a minute,
Wait a minute, Bruce, haveyou ever had dentures before? Me?
Bruce? Have you had dentures beforea long time ago, but just
partials? And that was when Iwas a teenager. I'm seven. Okay,
now I guess what I here's whatI'm getting at. In order to

(01:29:00):
do dentures, you have to attachthem to things. Do you have anchors
in your mouth? I had thosepartemporaries. They were metal, but now
the lowers are plastic or whatever materialthat is. But there you have permanent
implants in your jaws right now?No? No, no, no,

(01:29:25):
no, not implants. I'm notno, listen, I'm not talking about
implants as in teeth. I'm askingif you have anchors implanted in your bones
to hold dentures? No, okay, kind of anchor? Okay. So
in order to do dentures, inorder to do dentures, are they proposing

(01:29:50):
extracting your teeth and then doing theold fix it and kind of dentures that
suck up onto your gums uppers.Yes, they're all gone, All the
teeth is gone. But I haveventures. Yeah, but do those ventures?
You just put it like a gripon there and put them in.
Is that how they work. Idon't use a grip. They get up

(01:30:12):
in there and they hold on good, good, But they hold on without
anchors, right yeah, Okay,so the upper ones you don't have to
have replaced. No, the uppershad been replaced. But yeah, you
just need to do lowers. Well, I already had all the uppers pulled,

(01:30:35):
and I had the ventures temporary forsix months, and then I had
permanent put in. Then I hadthe lowers. I had a couple of
teeth pulled, and so I gota few teeth left. But get the
lowers that are supposed to pick upto those teeth. And you got an
estimate already, you got an actualestimate looking at your mouth, and they

(01:31:00):
that it will be fifteen hundred dollars. No, it's already paid for by
medicare. Okay, So in otherwords, they're willing to accept that for
full payment. Uh. Well,the concern isn't the cost, right now,

(01:31:20):
Okay, tell us tell me what. I was just curious, because
here's why. Let me just cutto the chase while I'm saying this,
Because a lot of people think they'regetting something for a certain price, and
they don't. Okay, But butbut but go ahead, then tell me
what your problem is. The problemis I've been bothered about some procedure going

(01:31:45):
forward the last year or so.Okay, has this been on Medicare again,
You've been going to see a dentistwith your Medicare plan. I don't
have a problem with the Manicare planright now. You're they came the final
problem at this point. Go ahead. It's I was in their last last

(01:32:11):
uh well, that's how long ago, and they pulled another tooth, and
having done that, they had toalter the permanent denter for the lower and
when they did that, they hadto fill in a tooth that make a

(01:32:31):
tooth on the denture, and theydid that, they put it on the
wrong side of the denture and soit doesn't even go into my mouth now,
and it's just I don't I don'tunderstand how they could possibly have made
that mistake. They took impression andthey replaced. So now let me ask

(01:32:56):
you something, Bruce. Are theywilling, Bruce? Are they willing to
fix it? I haven't talked tothem because I said that turn they have
been so the people in the officeare fine, but the way they handle
is it just drives me crazy.It's just one like, give me an
idea here. Look, I understandthey made a mistake. And the reason,

(01:33:19):
by the way, there was areason, just so you know.
I was asking about the Medicare benefitbecause and the reason was, if this
is truly not being done correctly,they can withhold, they can withdraw.
They can also clawback payment and repaysomeone else to do it. But I

(01:33:42):
won't get into that right now.What I want to get into is this.
You've been going to this dentist fora year. You don't like the
way they do business. Why areyou continuing? Because it's Medicare and I
don't know what's being done. Okay, so you see, we go back
to Medicare again. You said Ihave no problem with Medicare, and really

(01:34:05):
this could be a Medicare thing?Did is this the for some reason you
got the impression this is the onlyplace you can go to for your Medicare
because I thought it was going tobe cheap and fifteen hundred dollars would cover
it and we'd be done with happycheese. But no, okay, and

(01:34:26):
that's where okay again, this iswhy I asked about the price. See
everything I asked for up to thispoint was for a reason. The pricing
because I know you won't get itdone for fifteen hundred anywhere. And number
two, the the benefit because ifit's not being done right, they will
withhold or withdraw payment and go somewhereelse. But you're gonna have to pay

(01:34:46):
the difference sometimes. Now what Iwant to know is have you looked for
another provider? H No, Ihaven't. Okay, So you're calling because
you're pissed at this provider. Sowere you hoping we would get on their
case or that you would find anotherprovider? What is your what is your

(01:35:08):
desire? I went I went toyour analysis of the situation because it's just
crazy how how many different problems youhave been along the way and get this,
Well it tells me then you shouldn'tgo to them. My analysis is,
if you have nothing but trouble witha dental place, why keep going
there? I got to take thisbreak hold on, Bruce. I'm not

(01:35:30):
trying to give you a hard time, bro, but you're you're calling and
you don't like this place yet I'masking you why you keep going and you
say because they're cheap? Okay,Well, see I don't know what to
do with that. Hold on,we'll come right back. Go with a
sure thing Denver's best roofer Excel Roofingdot com. You don't pay a cent

(01:35:55):
until you're content. Time for aninsurance checkup free, no obligation. In
comparison, call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three all three sevenseven to one help. You'll think you're
his only customer when you choose Frankdurand the real estate Man dot com to
list your home with Remax Alliance threeall three nine two zero sixteen twenty two.

(01:36:30):
I don't know what you're testing.One two here we are cod you
know here? Sorry? Three ohthree seven one three talk three oh three
seven one three eight two five fiveback to the phone's okay now, Bruce,
I looked up. Okay, here'sthe deal, Bruce, and I
know what you're trying to do.You're trying to go cheap so you don't

(01:36:51):
have any out of pocket. Iget it, I really do get it.
And and unfortunately those dentures should costjust for what you're having done about
about cheapest twenty eight hundred dollars soyou're trying to get them done for fifteen
hundred, and I understand you're frustrated. What do you want us to do?

(01:37:15):
Because I would like to help you, but I was I was wrong
in trying to recommend you find someoneelse. No one, No one will
do it for fifteen hundred dollars,so you might have to tough it out
at this place to get them done. Tom. I'm want to say,
first of all, I've ristened toyou, but I with the too much

(01:37:40):
evident time that listens in the eighties, So thank you, pretty familiar with
it, and I got a lotof respect for you. It's not that
I'm calling you to get this cheaper. I was told this is how much
it is going to cost me,and I made sure it was four uppers
and lowers, and I was shockedit was a price. I was going
to argue with it. Wait wait, wait, you're telling me the fifteen

(01:38:02):
hundred was for both uppers and lowers. Yes, sure, well, Bruce,
I'm gonna tell you that's a that'san absolute lie. Okay, I'm
sorry. No one can do denturesupper and lower for fifteen hundred dollars,
not unless you're getting George Washington woodenteeth and they're carving right there because I

(01:38:24):
haven't. But see, well,here's what's crazy, Bruce. But here's
what's crazy. And I really doappreciate your a longtime listener, but let's
just get some truth here right betweenthe eyes. For you to expect better
for fifteen hundred is almost as funnyas the ridiculousness they're putting you through to

(01:38:46):
even expect them. But here,I know what Bruce is saying. Tom,
that's not my fault. If theytold me they couldn't have done it,
okay, but they told me theycould do it. So I want
Deputy Doc to call. Now they'renot going to give us information on you
because of HIPPA, but you cansign a Hippo release if they if we

(01:39:08):
need you to. But the bottomline here is this. You can tell
them they can talk to us,but I want Doc to just talk to
them in general and say, weheard that you're offering full upper and lower
dentures for fifteen hundred dollars. Howis that possible? Just to verify that,

(01:39:32):
because I do not know how anyonethat would be seven hundred and fifty
dollars for uppers and seven hundred andfifty dollars. Am I doing the math?
Right? Am I right? Youdon't know? Well whatever seven of
them? Well, what's that?I don't know how much Medicare is reimbursing
them? He said he has Medicarethat's covering. No, that is all

(01:39:54):
of it, doc concluding Medicare.That's all there is is no copay.
Wow, they're telling him for hisfifteen hundred dollars Medicare allowance they will provide
him uppers and lowers. And Iam saying that is patently impossible. I

(01:40:15):
agree, Tom. I thought Ithought, you know, just the extractions
alone will be that. Bruce,I don't know how the hell you do
you have a contract that says thisthat we can see. I have to
dig it up. But I don'tthink I have a contract. I think
it was done mostly through Medicare,and Medicare agreed to the situation. So

(01:40:43):
no, no, Bruce, nothingis done. No, Bruce, Bruce,
it doesn't work that way. Here'sthe way it works. Okay,
Bruce, did Medicare give you thisdental place? No? I can't remember
how I heard him. Oh,oh, goad, I say, rufferbing

(01:41:09):
Jim. You know they're a nationwideorganization. Okay, listen, all I'm
saying is this, I'm gonna haveDeputy Doc call. I don't know where
you heard. And Medicare doesn't doyour contract. Okay, so if you
you have to have a proposal somewherethat says they were going to do it
for fifteen hundred, otherwise they canjust tell us no, we don't do

(01:41:30):
it for fifteen hundred at all?Do you take? I want to know
do they take? Do they takeMedicare's full and final payment the fifteen hundred
for both upper and lower Look atBruce, I think there's a there's something
we are not hearing. Doc.Would you talk to him off the air
or talk to asmen and it's asspendental. I don't care. They're not doing
anything wrong. I don't think.I mean, I mean, all I'm

(01:41:53):
saying is this, I don't seehow they can are they advertised? Did
you see it advertised somewhere? Bruce? Okay, good, Kelly's talking to
him. We got more coming up. Go with a sure thing Denver's best
roofer excel roofing dot com. Youdon't pay a cent until you're content.

(01:42:18):
Time for an insurance check up freeno obligation. In comparison, call Compass
Insurance paying too much your coverage atdozens of insurance companies find out now three
all three seven to seven to onehelp. You'll think you're his only customer
when you choose Frank durand the realestate man dot com to list your home
with Remax Alliance three oh three ninetwo zero sixteen twenty two. Hi Tom

(01:42:44):
Martina here three three seven one threetalks. Stan has a question about air
duck cleaning, something I knowver alot about because of the good companies we've
had to do it over the years. Go ahead, what's going on?
Stan? Heym? Do you thinkit's worth really having your ear ducts cleaned?

(01:43:05):
I think it absolutely is. Whenyou say worth it, now,
let me explain something it It doeshelp the efficiency of your system a little,
but it also improves the quality ofyour air a lot. And what
I once, Once it's cleaned,it has a tendency not to accumulate like

(01:43:30):
it does from a new house,a new build or an old house that's
been around a while. So Iwould say, if you've never had it
done, you should have it done. And then you probably don't have to
have it done, but every fiveyears or so. Okay, that sounds
sounds okay to me. I gotyour website up here, looking at ear
hair, duck cleaning companies right andright, many to choose from. That's

(01:43:56):
right? And you know zero Resstarted doing that too. Zero Res which
are they do? Great? Youmight want to try them or call the
rest. I mean they're all goodpeople. We've never had complaints about the
duck cleaning part. Now. Jpretzis still with us from Excel Roofing excel
roofing dot com, where you cando your own pricing right online and find

(01:44:16):
out what your roof will cost.Go with a sure Thing Denver's Best Roofer
excel Roofing dot com. You don'tpay a cent until you're content. Time
for an insurance check up free,no obligation. In comparison, call Compass
Insurance paying too much your coverage atdozens of insurance companies find out now three
all three seven seven to one help. You'll think you're his only customer when

(01:44:41):
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three all three nine twozero sixteen twenty two, ripped. So
you don't have come running. Justas as as we can. Shooter's gonna

(01:45:05):
help come Man Dix is the TroubleshooterShow. Now, Tom Martino, Hey,
Tom Martino here, welcome to theshow. Three oh three seven one
three talk three oh three three eighttwo five five. Here to help you
solve problems, answer question, makeyour life a little easier. That's what

(01:45:28):
I do every day. We've beendoing nearly fifty years, forty five in
Denver. Let's talk what's happening almostforty five years in Denver? Right on
the cusp here. Hey, let'stalk to Michael. Uh, and then
we have Deputy Bow on board.Deputy Bow I think worked on this so
uh, the original problem. I'mtrying to remember this, Michael. So

(01:45:49):
I'm gonna find it here and tellme what's going on? Now, what's
happening? Or Bo, do youwant to chime in? Tell us what's
going on? Yes, the clubthat Michael was going to, it's called
Prestige Fitness. He was going to. He lives in Arvada. He was

(01:46:10):
going to get the Arvada store andthey closed that particular club. So okay,
and so Michael wanted to get arefund of the of the amount,
So what did they tell him?Whatn't that to me? That sounds reasonable?
Right? How much had he paidfor this? He was owed one

(01:46:31):
hundred and seventy three dollars and someodd cents. So it happened. So
they offered, I believe, atfirst, to give him a partial membership
at a YMCA. But if Iremember, oh I remember, I remember
that. Yeah, And the bottomline is that did not work out.

(01:46:55):
So this Prestige Fitness offered to giveMichael a to extend the membership there,
or the balance of the membership tothe to their Aurora store. But the
Aurora store is just way too far. So Michael just wanted to get a
refund of what he paid for themembership. So I called the manager at

(01:47:19):
the South store and basically said theythey may be able to give him a
guest pass, but they would notgive him a refund. So well,
I don't know. They said,of course, it's not in our preview
to do that. And then duringthis time, Tom, the Prestige Fitness

(01:47:40):
changed their name. They've just rebrandedthemselves to Zone Athletic Club. And you're
sure they weren't sold or anything.I double checked it. I called their
billing system and they were not sold. It's still so where does it stand
now, Michael, how do youfeel about all of this? Well,

(01:48:01):
first, I just wanted to clarifysomething. Originally, they never offered me
any membership or anything. What happenedwas when they closed the Arvada store.
They are Vada Gym. They letus train over at the YMCA for three
months with the understanding that they weregoing to be opening up a new club.
And after our memberships at the yyou know, went away through Prestige.

(01:48:23):
At the end of February, theydidn't have a new club for us
to go to. So I justwanted my money back, and then,
you know, I called numerous people. They told me originally at the gym
to call their billing company Peak,which I did, and most ladies were
extremely helpful trying to give me mymoney back, and they agreed that they
owed me one hundred and seventy sixthirty three. The lady there that I

(01:48:45):
was talking to was going on vacationtold me to call back in a week,
so I did, and she saidthat in the meantime, Prestige had
contacted them and closed out all theaccounts and told them not to issue any
more refunds, that we'd have togo through the club. So then I
called the clubs, talked to managersand base. We got the run around
from all of them where they wouldn'treturn my phone calls, told me to
send emails, which I did,and they agreed that they had it in

(01:49:06):
their system originally for the refund too, and one of the guys said he
was going to get me a check. I called back a week later that
guy no longer worked at that cluband had me taught to him. God
wouldn't help me. It's just beena mess, and Deputy Bo's gone through
the same thing. I have contactingpeople, sending emails and they say they're

(01:49:27):
going to return your phone calls oremails, and they never do. You
know what, I think? Itruly believe that you would win in small
claims court because unless unless the clubthey have other prestige or now zones close
to you or that not too faraway, do they No? The one

(01:49:48):
I was talking to was in ourbad They have one way out in Aurora,
one down by Centennial, another onein Colrad Springs and another one out
in Fort Collins. And I've beentold, and I don't know for sure
that you know they're in breach ofcontract anyway, because their their own contract
says basically that if there's not aclub available within twenty five miles, that

(01:50:10):
you know they're That's what I'm asking. Are you telling me all of your
options are more than twenty five milesaway? Yes, yes, sir.
And and the other thing is took bo. Hold on, Deputy Bow,
did you bring that out to them, that his options are twenty five
miles away? Absolutely? Tom.And then the manager at this house store

(01:50:30):
gave me the name of the operationsmanager of the whole organization, and they
stuck to their guns. They saidthat he should go twenty five miles away.
Yes, And I tried to contacta person by the name of Brad
Baker. He's the operations manager thatthe individual club managers. I even called
the club in Fort Collins if theyrefused to give me the operations manager's phone

(01:50:55):
number, and I said, well, if he's the they suck. Okay,
that did this sucks. This isnot a good organization. Otherwise they
would have taken care of it.Listen, man, I think you need.
I really mean this. You needto go to small claims court and
sue their asses and then we'll we'llfollow you ever every step of the way
here. Stay in contact with Michaeland Jerry is the one. The reason

(01:51:20):
I couldn't find your call at first. Jerry is the one that called in
for you, right, yes,yes, my wife had called in originally.
The other thing I wanted to sayto the side note was that on
social media and also on like theif you were to do on Reddit,
on the you know reviews, theprestige. This is a habit and a

(01:51:42):
pattern that they've been. There's severalpeople that have come out of and wouldwork
to talk to me, former employees, trainers. Oh, I don't doubt
it. I don't doubt it.Listen, I don't doubt it at all.
And and I think what you needto do is truly take in the
small claims court if you need help, you know Mark and weigh in on

(01:52:02):
that. Uh, you find theregistered agent and you go from there and
again Bo can probably help you aswell. Three oh three seven one three
talks seven one three eight two fivefive people beware of this place. I
guess it's now called zone, butthat sucks. Earlier in the show.

(01:52:24):
And by the way, we havelines open out for the first time today
three oh three seven to one threetalk seven one three eight, two five
five, or you can call threeoh three Martino three oh three six two
seven eight four six six. We'regoing to talk about supplements. We talked
about that earlier in the show.We'll come back talk about supplements. I
want to talk about what kind ofpower you have or not. I would

(01:52:46):
think you have to have some controland how contracts deal with that in the
roofing business, and we have ExcelRoofing to help us with that and to
talk about it. And it's justone of the many things that can come
up when you have your UH roofingdone. By the way, water pros
whole house water conditioning systems I talkedabout the at sinkwater fountains for just a

(01:53:10):
fourteen hundred bucks fully installed. Youcan get a whole house system starting at
around thirty four hundred bucks. Getrid of those forever chemicals. Waterpros dot
net go with a sure thing Denver'sbest roofer Excel roofing dot com. You
don't pay a cent until you're contentthan time for an insurance check up free

(01:53:34):
no obligation comparison call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three O threeseven to seven to one. Help.
You'll think you're his only customer whenyou choose Frank durand the real estate man
dot com to list your home withRemax Alliance three three nine two zero sixteen
twenty two. Hi Tom Martino,you are a troubleshooter three oh three seven

(01:54:03):
one three talk seven one three eighttwo five five Lourie, what's going on
with Infinity? Yeah, so weran a beef test on our internet.
Supposedly we're paying for download speeds ofone thousand megabets per second, and the
speed episode that our download speed atfifteen and our upload is thirty three.

(01:54:26):
Wait a minute, you only havefifteen fifteen megabytes download one five fifteen.
How do you even surf with that? Well? I don't know. I
just know we went on speed testdot net. I just ran it like
ten seconds ago and showing download atfifteen upload at thirty three. We're paying

(01:54:50):
for one thousand, at least athousand legs at least and I think They
actually bumped us to the twelve hundredplan because our bill went up twenty five
bucks, and I've been trying tocall them to find out what's going on.
Hey, Mark, Mark, you'vedealt with these guys before. I
think on who do you have Exfinity? Right? Mark? Have you didn't

(01:55:10):
we deal with them on similar issues. You should check what your Exfinity speed
test is instead of speed test dotCom. Don't although say you're you get
up to said amount of speed,so it doesn't guarantee you that speed guarantees
you up. You should be ableto get it. You should be able
to get it sometime. I don'tthink we've ever gotten anything close to that.

(01:55:32):
I mean we ran the Exfinity test. My husband didn't believe it because
it was under twenty Have you pluggeddirectly into their modem? Yeah? But
what good is that? Mark?I mean, if you have to do
that to get a well, that'sthe only way to tell. I don't
know what kind of Routerine she mighthave had a router built in the thirties.

(01:55:54):
Yes, oh yeah, it couldnow I never thought of that.
Good point, Mark, So LORIIit could be thwarted by things outside of
that, Well, we didn't testit. It so the modem blocks to
them. We were equipment from themand we just installed a brand new high
speed Wi Fi. Yeah, butwhat were you testing? Hold on,

(01:56:19):
Laurie. Were you testing your WiFi? Your wireless internet? Yeah? And
okay, so help me here didit go from? Did it go from
the modem from Comcast or Infinity?And then do you plug into that with

(01:56:42):
your WiFi? No, here's whatI'm asking You said you bought a new
Wi Fi something. Do you haveyour own Wi Fi distributor? Yeah?
Okay, that Wi Fi distributor thatyou have, Uh huh? What brand

(01:57:04):
is it it is? And doesit plug into your modem? Or is
it also wireless like a like arelay? It's called Ubiquity. But does
it plug into your Infinity modem?Or does it? Does it make a

(01:57:27):
leapfrog? Okay, it plugs in? No, it plugs in. Why
did you do it that way?Why did you plug in? Did you
do your speed test directly at thatmodem? No? I did it on
my laptop. Okay, No,here's what I mean. If you plug
your laptop directly into one of thenet ports at the modem, did you

(01:57:54):
do a speed test. No,I couldn't plug it in because I have
an Apple. Yeah, well,there's an adapter, and I don't want
to hear any jokes from Mark.There's an adapter Bill Gates making it No.
No, what kind of no?Seriously, what kind of Mac?
Do you have a MacBook Pro?Okay? I have a MacBook Pro.

(01:58:15):
So do you have the USB Conly on there the USBC sports Yeah,
okay, there's an adapter that goesfrom USCP from USB C to a regular
CAT five. Okay, then youcan do your Cat five into your modem.
The reason I'm telling you this,here's the reason I'm telling you this.

(01:58:36):
You can call us back there.That's the only speed test that will
count. If you're testing your wireless. As Mark brought up before, it
is dependent on many other factors.That is not what and Exfinity can't be
responsible for him, like incompatibility betweenyour Wi Fi and the modem, or

(01:59:00):
interference in your Wi Fi or anynumber of things, even your Wi Fi
router in your laptop and how itinteracts with that other wireless. Because I
had to do I had to figurethat out the hard way during COVID when
we were depending on all of theown on home stuff. I had a

(01:59:21):
lot of stuff that was not perfectlycompatible, and I started experimenting, and
I found the optimum equipment to usein order to get the best speeds.
And then if you're going to doyour own WiFi router and it plugs into
Exfinity, what you really need todo and it gets too complicated to explain

(01:59:45):
on the show, but it's calleda pass through mode on that Exfinity one
because what that does is that doesnot send out signal to both its own
WiFi and your WiFi. Really,it gets very technical, I'm telling you.
I mean people set up their ownnetworks and I think half of the
time they are the reason they're notgetting top speed. But I just just

(02:00:12):
do that speed. Get the adapter, it's not that much. Get at
best buyer anywhere and plug a CATfive into right in to where your WiFi
is, plug it into your computer, and do your test right there and
let us know. I'll mark thisdown. I'll remember the call. I
really want to know what you're getting, So mark the Ubiquity is in the

(02:00:35):
bridge mode. Now not pastors inbridge, Well, no, that's in
the bridge mode. But I'm talkingabout I'm not talking about Infinity is in
the bridge mode? Is that whatyou mean? See, it's we had
a friend configure this. The cablemodem is in bridge mode, so it

(02:00:57):
goes good. It's good. That'sokay. That's the way it should be,
man, that's the way it shouldbe. Yeah. So your Exfinity
is going your Exfinity's Wi Fi isturned off right correct, and it's only
serving its Ubiquity got it switch.Let me ask you something. Why did

(02:01:19):
you go from your WiFi excuse me, from your Comcast modem directly into that?
Why did you not use the WiFi that was built into that modem?
Because it doesn't The coverage in thehouse was so bad. We needed
something to boost the Wi Fi signals. I got you. So you guys,

(02:01:40):
you guys do know what you're talkingabout. It sounds like it.
So then do me a favor anddo that test. And we had a
consultant, helper Tom and LORI hasa business here, so we have some
power over Ethernet security cameras that thatthat Ubiquity wireless switch runs all No,

(02:02:00):
I get it. I get it. See, I have the I use
the Google Ness product for my house, and it's fast as hell. I
mean, I want the but justdo the test at the modem right at
the right at the Exanity modem pluggedinto your laptop, and just for the
hell of it, see what youget. I mean, calls back tomorrow.
I would like to analyze it,and we do have some experts we

(02:02:24):
can call as well. Three allthree seven one, three eight two five
five Ideal Home Loans still doing homeloans and here's the deal. They have
the only interest rate guarantees, sowhen rates go down, they refinance you
free of charge. That's right.Three three eight six seven seven thousand.

(02:02:48):
Go with a sure thing Denver's bestroofer Excel Roofing dot com. You don't
pay a cent until you're content.Time for an insurance check free, no
obligation. In comparison, call CompassInsurance paying too much your coverage at dozens
of insurance companies find out now threeall three seven seven to one help.

(02:03:09):
You'll think you're his only customer whenyou choose Frank durand the real estate Man
dot com to list your home withRemax Alliance three all three nine two zero
sixteen twenty two. Hi, TomMartine here three all three seven one three
talks seven one three eight two fivefive Uh supplements okay? Jay. So

(02:03:32):
we had a woman call and said, hey, our bid was eighteen thousand
dollars for the roof jays with Excelroofing dot com. By the way,
Excel Excel roofing dot com. Sohe's she said, uh, but they're
charging my insurance now forty three mmhm. That's incredible. She said it
was supplements and they're doing work shedidn't want done. And I don't even

(02:03:53):
know what that means. But let'stalk about supplements. How do they work?
Once I sign a contract, doesthat mean roofers go in and get
anything they want? Sometimes that's whatthey try to do. So for everybody
listening, supplements means that we aregoing to supplement the insurance claim and ask
the insurance company for more money thanthey've originally allauded for the claim. But

(02:04:15):
usually a supplemental claim is for notjust because you want to raise the price.
It's for additional stuff. You findadditional stuff. And the best example
I know of is we tear theroof off. All of the wood underneath
is bad. The decking needs tobe replaced. And so we supplement for
this additional cost something that we didn'tknow beforehand. Did they ever send adjusters

(02:04:36):
out to check supplements? They do. They do most of the time.
If the contractor documents everything with photographsbefore and after pitchers, they're going to
approve it and not send the adjusterout because the adjuster just doesn't have time
to visit every job site. So, but a lot of contractors think,
and especially you say, I wantto get into that part. You said,

(02:04:58):
it's a game. Sometimes it's totalgame, but it's this is very
prevalent with restoration contractors. Also,what they do is it's the sky is
the limit this lady. The example, eighteen thousand dollars was the initial quote
and they bumped it up to fortythree thousand dollars. And it just gets
unreasonable, is what it does.And we were talking about medical stuff earlier,
Tom and what was it the threethousand dollars for the anesthesia shot?

(02:05:23):
Oh yeah, I know. Andit's that same concept that, Okay,
we need additional money because additional itemsneed to be done, and they just
try to gouge the insurance companies.I say, they we we will supplement.
Many times ourselfs Excel roofing, butit's for legitimate, legitimately needed items.
Listen to what we found this companydoing. They had to paint one

(02:05:45):
side of the house, and theywere charging what Genesis said should have cost
about twelve hundred bucks. They werecharging fifty one hundred. Yeah, that
doesn't surprise me at all. Dothey do it because because they don't think
the insurance will come out and check, I mean really, because then it
becomes immoral? Do they just seewhat they can get away with? Absolutely

(02:06:08):
they do. And you know,there's an insurance program it's called exact Demate,
and you should be able to plugin the square footage of that wall
and get the legitimate price. Butwho knows what the contractor was trying to
say. Maybe they were saying it'sa special paint or something that had to
be done. And you know whatthey do is they say, Okay,

(02:06:28):
this is an additional trade that needsto come on to the job site.
So in addition to this work,we're entitled to the overhead and profit as
well. So we're going to tackon another twenty percent to the price.
And I bet you that's exactly whathappened on that painting deal. Well,
as long as they're doing the work, I don't have any issue with it.
I mean, do you jay fiftysix hundred bucks to no? No,

(02:06:49):
I mean you're right. Mark issaying, would Why would he care
what his insurance is paying? RightMark? If they're doing the job.
No. What I'm saying is ifthey build for the entire hand house to
be painted, they should paint theentire house. But I don't care what
they bill for it. I mean, it is what it is. If
the insurance company is willing to pay, I mean, who cares if they

(02:07:11):
say it's fifty six hundred. Isee it. For that market, it
was one side of the house.But what Mark is saying, I understand
he's saying, if the insurance companypays, and they you know, if
everyone agrees, what do I care. I'm only paying my deductibles. That's
true. As long as this pricingis in agreement with the exact demate pricing,
which is the agreed upon pricing withthe insurance companies and contractors, and

(02:07:33):
where they got this fifty That fiftysix hundred dollars just sounds so expressive.
Fifty two that's just way too much. Money for that, I know.
So so when you bring guys,I'm just I'm just I'm literally just using
this as an example. But it'strue. The room I'm sitting in right
now is going to get repainted byGenesis because we had some flood damage.

(02:07:54):
But you're going to say, whatdoes that have to do with the wall.
It doesn't matter. I get thepaint. This paint has drywall than
wax paper, then multi colored paintin the entire room. Painting this room
compared to most rooms, costs tentimes. I have no idea what that
one wall costs that you guys areusing in his example. But if the
insurance company agreed to it, whocares. I know, I know what

(02:08:18):
you're saying, but I just thinkthat in this case, going from eighteen
to forty, something seemed ridiculous aboutthe painting thing. Mark. I bet
that this company build to paint theentire house and they're just going to do
one wall. Well, that's okay, now, Jay, Jay, that's
an entirely different story. If they'regiving the allowance to paint the entire house

(02:08:43):
because they turned it in, theirass needs to paint the entire house,
and that's just a phone call toyour own insurance company, and I don't
see what the hell they're paying for. I don't know if that's the case,
but Tom, that's what they weredoing on this claim. Remember when
Mark Schmanski went out there, that'sright, and he said that they had
build to put in three additional electricvents on top of the right and what

(02:09:05):
they did is they they they reusedtwo of them and they didn't even put
the third in. So these guysare scamming. They are. Yeah,
and that's right, And I wouldcare even if I only paid my deductible,
I'd still care if they were doingthat, I would I would be
pissed. And entire house, wellyeah, and you're not getting the new

(02:09:26):
vents. And I want the newvents as long as you're getting for whatever
they're billing for. And even ifthe insurance company only paid initially for one
wall, somehow they got the entirehouse painted fine or paid for they did
it, they should get the wholehouse painting, right, And that's what
Mark was saying as well. Ithink that if you get what you pay
for, he doesn't have a problem. I don't think i'd have a problem

(02:09:48):
either. But like you, said, well, well, one of the
three events, I want to stickon one thing. Jay said that a
lot of people don't realize if youhave multiple people or multiple different companies needed.
For example, let's say you needdifferent turids. Yeah, three different
trades, whatever they are. Yougot windows involved, a roof involved in

(02:10:09):
landscaping for that matter, Most insurancecoughs up another ten percent for basically being
the general contractor to whoever you signthe contract with no offense to Jay.
But if I have multiple trades andthey have nothing to do with what he
does, Jay does roofing better thananybody. That's what That's what Excel Roofing

(02:10:31):
does. I don't want Jay incharge of my windows. So therefore I
don't know why I would give anyroofer. If there is different things they
find that additional ten percent. Youcould be handing them fifteen twenty twenty five
thousand dollars and they're not going todo anything. All they're going to do
is hire their friend that's a painter, And I don't think that's cool.

(02:10:52):
Well, you're right about that,Mark, except and we do coordinate all
the time with painters. Say thedeck needs to be refinished, the house
needs to be painted, maybe somewindows and then also the roof. We
will take those kind of jobs onsometime. And truly you're acting as the
general contractor, so you should bepaid some overhead and profit for that.

(02:11:15):
Yeah, but my point was,I'm talking to a roofer at that point,
I understand you have other trades.Well, what would you do,
Mark, you admired? Are yousaying you should hire directly those contractors?
I personally would go through a publicadjuster, just like I did. I
went through I ended up with myown ten percent, and then I hired

(02:11:37):
Jay to come out and put onmy hellproof roof. I hired Schamansky to
come out and paint my house.I hied a landscaper to come out and
replace. But not a lot ofhomeowners, Mark, not a lot of
homeowners do that. I mean,truly they But Tom, the reason they
don't. The reason they don't isthey don't know, right, well,
they don't know how to coordinate it. Like that's right, Okay, that's

(02:11:58):
fair, but I'm but but myreal point was they don't even know about
the overhead and profit. They don'teven know it exists. Well, he's
right about that, but Mark,Mark are you saying without a public adjuster,
if I was to bring three peopleonto my house to to do three
different things, would I be entitledto ten percent overhead and profit. Yes,

(02:12:22):
you would have to talk to yourinsurance company and prove to them,
but yes you would get it ifyou were acting as your own general Okay,
we got more coming up. Gowith a sure thing Denver's Best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Time

(02:12:43):
for an insurance checkup, free,no obligation comparison call Compass Insurance. Pay
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Frank durand the real estate Man dotcom to list your home with Remax Alliance
three all three nine two zero sixteentwenty two. Hi Tom Martinez here three

(02:13:09):
or three seven to three Talk Jim. What's going on with you? Jim?
Hey, what's happening. It's reallysimple, it's not a big deal.
But I was sitting in a turnlane. A guy ran a red
light, bounced off of FedEx Semihit my truck. They've agreed the liability.

(02:13:33):
The insurance companies agreed the liability.They're going to give me a renal
car. Should I do supplemental insuranceon the car? And if I do
that, do they have to payfor it? What do you mean supplemental
insurance? I don't know what hebuy the he's saying buy the other he's
saying, buy all the mop andglow. Oh the rental car insurance.

(02:13:54):
Absolutely not. No, you don'tneed it. Okay. So if somebody
hits me in that rental car andit goes in for the same thing that
happened to me, I can justturn it in broke. Your insurance will
cover you for whatever you have onyour own policy. Did you get injured

(02:14:20):
out of curiosity you mentioned a semitruck. No, it's no ever,
Okay, it's fine. It wasthe guy ran a red light and it
was like a ping bong ball.But no, yeah, don't don't buy
the mop and glow. And toanswer the second question, straight up,
they will never pay for it,period, end of story. Never pay

(02:14:43):
for what part you mean, theextra stuff? The insurance the other driver's
insurance company will never pay for theextra insurance coverage ever. Right, Hey,
guys, who's renting the car?Is it? Is he renting it?
Or is the other person's insurance companyit That's not what I'm sure of.
I don't the other person's insurance isrenting it? Doc, he's going

(02:15:11):
to rent it. But Doc,what does that matter? What's the diff
insurance? If they're the renter,he doesn't have to worry about any damage.
Well, they'd never be the renter. They just pay the bill,
they're not renting it. That's whatI was asking Mark, Well, it
doesn't matter who's paying the bill.What we're saying is they're not going to
pay for extra stuff. They're gonnapay for the car. That's it.

(02:15:35):
What I'm asking is is if somebodyhits me in that car, then the
car's out of service for an extraweek or two. You're calling. What
you're wondering about is what's called lossof use? Right? Yes, okay,
Now let me explain this. It'sreally you got to pay attention to

(02:15:56):
this to help yourself. If you'llpolicy extends to a rental car, it
often includes loss of use, butnot all of them do. So,
if your policy will pay for thecar and the damage to the car,

(02:16:20):
but it will not pay for lossof use. I'm going to tell you
that a rental company will come afteryou for loss of use, and if
they do, there wouldn't be anythingwrong with having that supplemental coverage for that
part of it. Okay, it'sa lost damage waiver for that one part

(02:16:41):
of it for property damage. Youdon't need it for liability. But if
that happens, they're not going toreimburse you for that. That's it.
I'm Tom martinro don't forget Excelroofing dotcom ex cl to get your instantaneous quote,
well, it'll take like a minute, and then of course you can
also call them at three oh threeseven sixty one sixty four hundred. Don't

(02:17:05):
forget three o three Martino and referrallist dot com.