The Troubleshooter 7-1-24

Episode Transcript

(00:00):
Y'all ripped up news need advice,so you don't have the come run into
Just as fast as we can.Shooter's gonna help coming Man Dix. He

(00:20):
is the Troubleshooter Show. No TomMartino, Hi, Tom Martino here.
Welcome to the show, and welcometo summer, and welcome to sun,
and welcome to heat, and welcometo life. We are here to help
you solve problems, answer questions,take complaints, make your life a little
easier. Welcome three oh three sevento one three talk for those streaming you

(00:41):
see in my wife shot. Igot to my right here, Brian Burns
from Compass Insurance Group. We lovetalking insurance as well. I had one
little inquiry on my on my texting. Now you can text the show as
well as call. First you callas I said, three oh three seven
to one to three talk, oryou can call twenty four to seven three

(01:03):
h three Martino three oh three sixtwo seven eight four sixty six and we'll
get that no matter when you call, and you can leave a message and
we'll get right back to you onit. Okay. In fact, we
have someone there who called and thenI did get though. I want you
to look into this. I didget one to see one guys that he

(01:23):
called for an insurance check up Junethirteenth, provided all the necessary documentation.
The same day, some guy there, I'll give you the name off there
says he's been working on it andwould send him results and he never got
any so far. He said,he said, could you ask him what
happened? You know, basically,we don't get a lot of these complaints.

(01:44):
But do you get like waves ofuh, probably when people get their
bills. I mean, do youget waves of insurance checkups? Right?
Yeah, you do, and forthe most part you can. You can
turn them around in a decent time. That's not acceptable. Obviously, I'll
look into the and figure out.But there are times where it's really complicated.
It's much more complicated, and inthis market there's just so many companies

(02:07):
not wanting business that you you reallyhave to work it and talk to underwriters
and it gets suspended into underwriter desksand it could take a couple three days
to hear back from them whether they'llprove it, and they ask you questions.
So it is a process depending onthe circumstance. But yeah, June
thirteenth is way too long. Okay, I'm saying that he is looking into

(02:28):
it. So and that number ofyou guys want to text it now,
you can go as I said,five seven seven three nine, or you
can text my Google number. I'vebeen giving that out. It's been working.
A lot of people are Google aretexting me. Yes, it's kind
of cool. Number seven four sevennine nine, fifty two eighty. And
the reason for that, as Isaid, it was, you know,

(02:50):
seven four seven I love airplanes,and nine nine nine was four as close
to ten as I could get,you know, and then fifty two eighty
for the mile high. So sevenfour seven nine eighty, let's talk to
Robin. Hey, Robin, what'sgoing on with you? What's happening Robin?
So, I have a problem thatwith the United baggage? Oh man,

(03:13):
hold on, I just can't believethis. I've gotten hold on just
recently. I've gotten about five orsix of these complaints just recently in my
email and stuff. And the oneI just got I was just reading a
minute ago before the show started.I'll I just want to tell people what
it is. What just for theheck of it, if yours is like

(03:35):
this, so he said, hetraveled, blah blah blah. Right he
got back, they lost two bags. No one told him anything. There's
no one to talk to. You'rejust left out in the open. He
finally he said, you know,long story short, a guy did find
bags three days later, and thenthey come and they just deliver them.
They drop them on the doorstep andthey were all cracked and destroyed. Sonnyway,

(04:00):
what's your problem? So MINEU is? I can top that. So
I went on a vacation May twentyfifth. I returned home near to Colorado.
I didn't get one of my bags. It was checked onto the carousel.
Looked on the camera literally seeing theman steal my bag from the carousel.
What yes, yep, walked uptook it. So needless to say,

(04:26):
I lived three hours away from theairport, went back up there.
Made wait wait, wait, whenyou saw him do that, what did
you do? Well? I didn'tknow it was my bag because I didn't
I don't really travel, so Ididn't have anything distinctive on it. But
my sister and I we thought toourselves, gee, that looks like our
bag. But it was a blackbag. So we're waiting for the other

(04:47):
bag to come around. Because thereshould have been another one. As that
happened, the United assistant says,if you don't find your bag, I
set some over here. Well,of course they see the other because it's
a teel turquoise color. I'm like, oh, there they are, walk
over there. There's only one.At that point I realized that probably was

(05:09):
my bag. So I went throughthe steps, made the report. I
told him I seen a man takemy bag. I'm certain that. I
mean that, you know, givehim a description. I'm certain that that
man probably Well what were they supposedto do at that point though? Nothing?
Yeah, I understand that, becausethey said it may be it'll come

(05:30):
back, so mind. In fact, I would say that that kind of
puts them off the hook. Theydelivered the bag, somebody stole it.
That's a that's theft. However,they took me. Here's where their responsibility
life. Tom Okay, don't makethey I d me, they make sure
before they take my bag into andcheck it that I proved that this is

(05:56):
my ID and this is my bag. And anybody can walk down to a
carousel and take anybody's bag. Thereis no nobody ID you, nobody's right,
your numbers, nobody checks you atthe door, so anybody can take
it. But they left to sayit didn't come back within a few days.
I called the security up there,drove back up, made a police

(06:16):
report. They went to the camerasbecause I had IDs this person that I
had taken my back and what didthey see? Lawrence? He has some
warrants. He's kind of not areal good guy. How did they know
who he was? How did theyknow from the cameras? And then they
but how did they know his name? Well? Through a picture. They
just send it in and they cansay, yeah, that's so and so.

(06:41):
Okay, so they do have asuspect. Yes, so it was
in your bag. By the way, what was in your bag? All
my souvenirs from my trip? I'mnot I'm not sure. Listen, I'm
not really sure. I'm trying tonoodle this right now. Okay, are
you thinking United it's responsible? Imean it's a thief, right, so,

(07:03):
yes, But United is responsible becausewhy because United took my bag and
they are responsible for my bag untilit gets back to me. No,
that's not actually, that's not actuallytrue. That bag was put on the
carousel and somebody came and stole itbefore. I mean they got your Wait,

(07:25):
they got your bag to the location. It's you that didn't pick it
up. You even saw someone pickit up and walk away. I listen,
I'm not trying to argue with you, but this is completely different than
the other complaints. They did getyour bag to its location, they put
it on the carousel. I mean, how can they be responsible because a

(07:46):
thief went in and took it.What you're saying is in general, Hold
on, you're saying in general.I get it that airline should have a
better system or the airport should havea better system for people retrieving bags.
But I'm gonna tell you something that'snot negligence on United's part. That is

(08:07):
the system. They're operating within thesystem. They've done nothing unusual. Do
you see what I'm saying? Underthe current system, they did nothing unusual.
That's correct, and the system sucks. I agree with you. I
totally agree with you, and Iwould be just as pissed as you are.

(08:31):
The system sucks, but United.I'm not trying to stick up for
United, but they did not doanything wrong. So how do we change
the system? Well, how's thatgoing to help you? Right now?
I mean this is sucky. Canthey find this idiot? It's been a

(08:52):
month, you tell me. Obviouslynot. And then it happened in Denver
two. It came on the localnews about oh, I don't know,
maybe a week or so after that, they actually arrested a guy for stealing
luggage out of it out of Deiaright around the same days. I don't
think it's the same person. Icontacted the police officer that was. You

(09:15):
know what, what I don't understandis what so you had no way of
identifying your bag from sight? Youjust thought it looked like yours, correct,
because it was just a black bag. I mean, I knew what
brand of bag I had because I'mnot much of a traveler. So well,
do you have a tag on yourbag with your name? Was there
a tag on it? It doessort have a tag on it. But

(09:39):
he so confidently just walked up tothe carousel, stood there, took that
bag and walked away. You assume, I assumed it had something on there
that was recognizable to him to knowthat that one was his bag. And
so then tell me what you thinkshould be done right now? I'm curious,
No, I'm its policy. Theyare responsible, Well, I've been

(10:03):
talking to United. Okay, soyou hold on. United admitted they're responsible.
Correct? Why correct? Just tellme why? Because they took my
bag from me and they didn't getmy bag back to me. They don't
guarantee hand to hand handoffs. I'msorry. I'm sorry, Robin, we

(10:26):
can't agree. I'm sorry. I'mso so sorry. Three oh three seven
won three dogs. I'm sorry.Listen. If they agreed they're responsible,
then sue them in small claims courtand collect your money. Okay, because
they're gonna come and they're gonna say, Robin is right, we're responsible.
They did nothing wrong. Does anyoneagree with me? I mean, I

(10:46):
mean, come on, did theydo anything wrong? I want to know
about homeowner's insurance? Brian, it'san obvious question. What about homeowners insurance
in a case like this. Iwant to know about that. Yeah,
your personal property is covering into yourowner's insurance. But most people have a
deductible that's going to be greater thanwhat the value of the stuff in their
and their suit. Well, whatif she bought stuff there that's not part
of her It's still hers at thetime that she purchases, it's her personal

(11:09):
property. So it would fall underneathpersonal property. But I mean, you
know, if you think through,let's say she has at the minimum one
thousand dollars deductible, and let's sayshe has three thousand dollars even worse of
a personal property. If she calledme, I'd tell you, don't make
a claim for two thousand a nettwo thousand dollars just because you get penalized
so much from insurance companies for makingthat claim. I would save a homeowner's

(11:33):
claim for a much greater, youknow loss. Somebody just said on YouTube,
get the Apple air tags. Yeah, you know, wasn't Wasn't there
a story that just came out wherethis happened where someone's luggage was stolen.
They had an air tag in it, and it ended up they tracked it
to an airport employee's house. Ithink it was in Florida, and they

(11:56):
had a whole operation going where theywere stealing luggage bringing it back to their
house and she had computers and everythingin there, and they busted the guy.
You went to jail. Well,you know, Tom, the only
way to prevent this would be tohave somebody check your baggage against the you
a coupon that they give you.And can you imagine, well, some
airports do that, you know,well, can you imagine the uh,

(12:20):
the backlog that would It's not asbad as you think. I've been to
airports where they have a corral andwhen you leave, you show the guy
your tag. Can I can imaginehow many people would lose their tag in
between when they left. I meanit would. I agree with you.
I think you would have a hugeback horrendous well anyway, but that's the
only way to do it, Tom, Yeah, okay, Doc, thanks

(12:43):
for being there. By the way, I don't I don't feel comfortable calling
this their fault. And by theway, we got a lot to talk
about, a lot of consumer newsplus your calls. Please hang on,
I'll get right to you. Threeoh three seven one three talk seven one
three eight two five five. Andof course, waterpros dot At the best
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a believer in pure drinking water.If nothing else, it's even more important

(13:07):
than supplements. For God's sakes,waterpros dot At three O three eight six
two five five five four go witha sure thing. Denver's best roofer Excel
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(13:28):
an insurance check up free, noobligation. In comparison, call Compass Insurance
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 oh three nine two zerosixteen twenty two. Hi Tom Martinez here

(13:58):
three oh three seven one three talksseven one three eight two five five.
I'm gonna go back to the phonesand help you any way I can,
because that's what we do here.And another thing you can get help with
is Frank Duran does real estate analysis. I can't stress this enough. So
many people are thinking about selling theirhouse, but they don't know what it's
gonna sell for, so they callpeople and they usually end up going with

(14:22):
the person who says, oh,yeah, your house can sell for this.
The worst way you can pick listingis by what someone says they can
sell your house for. They haveto show you and don't be surprised with
Frank Duran when he shows you ifhe said that's what your house will sell
for. But we're gonna ask less, and you're gonna say why why don't
you ask more and ask come down. Frank's got this pricing strategy that's proprietary

(14:45):
that it's an amazing phenomenon because hegets all these people interested at that price
and then it goes up because theydo a bidding war. Look at the
man is genius. But you canget an analysis without any kind of obligation.
Three h three nine two zero sixteentwenty two Frank around the real Estate
Man dot Com. Okay, soSharon, no, no, I'm gonna

(15:09):
go to Elaine real quick. Elaine, because she called in, we're calling
her back. She needs advice onan HA. Go ahead, Sharon,
what's happening? Com? Can youhear me? I can Sharon welcome?
What's going on? Oh? Thisis actually Elaine? I'm known with the
HOA question? Okay, I'm sorry, Elaine, you're right, Okay,
go ahead, Elaine. You cancall me Joe Biden if you want.

(15:30):
Go ahead. No, not yourclothes, okay. So I live in
Massa County in northwestern Colorado, andI am out in County and we are
trying to put together in HOA forour small community. Our issue is we
have people that are trying to subdividetheir acreage and we just want to have

(15:52):
some say in what kind of dwellingthey put on the property. Well,
I've done fourteen hoas, so yeah, I can help you, but I
caution you just from what you've alreadytold me. There's some things you need
to know first and foremost, youcan't just go out and take a group
of homes, call it a communityand form an HOA and then make it

(16:15):
retroactive, for example, on rulesand regulations, because people moved in there
with none of those rules or regulations. But it's easier to modify what's already
there. So I need to asksome questions. This so called community.
Is it a subdivision? It's partof what they call the Johnson View estates,

(16:37):
But we're trying to do it justfor okay, I'm asking. So
Johnson View of States was a plannedunit development at one time. That's correct,
and then you just have a subsection of that you want to do.
That's correct. What makes that subsection? It's divided by your roads.

(16:57):
So our private road is John andView Court. But is it okay?
So do you only want to dopeople who live on that private road?
Correct? Who maintains that private road? We do? And how do?
What does we constitute? How manyhomes? We constitute? Seven homes
each has an acreage of thirty fiveOkay, Now these thirty five acres on

(17:21):
this street? Do you have ajoint maintenance agreement for the road? We
don't. Then how do you knowwho pays for what? We just have
always split it up equally between thehomeowners. Pretty dangerous. So this community
is simply loosely this many people ona private road. Yes, okay,

(17:47):
it's going to be near and possibleto do an ha without one participation.
Do you think you'll get it right? We would get six to seven might
be a hard cell. Well outof total? How many will you get
out of total? Give me numbersagain, I'm sorry about how many?
Seven there's seven residents. How manywill you get? The six are for

(18:11):
sure? The seven we're not about. Okay. Now, if there's no
original agreement whatsoever, you got tolook if it was a planned unit.
If it's not, you can't simplyban together six homes. Grab a guy
and call them number seven and thentell them what to do. Right,
Okay, if you can get togetherwith an agreed amount of rules and then

(18:41):
you want to change those rules onceit is in place, you can do
that with you can change retroactively withseventy five percent of the membership. But
if it's not there to begin with, you can't create a membership. Beitryly
throw that guy into it votes seventyfive percent to change what he can do

(19:04):
when he never had those conditions tobegin with. Does that make sense?
It does. The thought was thatwhat is it? What is an existence?
You would kind of be I guessgrandfathered in for lack of a better
term, It would be for quotenew build type thing only. Yeah,
yeah, I understand that. Butthat is retroactive because he had thirty five

(19:27):
acres and you want to you wantto tell him he can't have seven lots.
Great, okay, that's retroactive becausehe he he, you're going back,
he bought thirty five acres. Maybewith the intent of subdividing, you
could do this. You could getthe six homes together that agree to this

(19:48):
and just make the rules so itcan't keep happening. The other thing.
The other thing you could do,and and is the county is the one
that rules whether someone can subdivide.In order to subdivide thirty five acres,
someone has to go and do publichearings and get approvals. So do you

(20:10):
think it's going to be easy.Wait, we went through that process once
already. Who's we who on yourstreet? On your road? Yes,
everybody that touches his property. Wewere all notified by the county. There
was a hearing beginning of June.Was he approved? He was not approved.
He had safety violations that were againstbuilding. Okay, So do you

(20:32):
think he's going to take another shotat it? He has been taking shots
at it every week. They've toldhim that he cannot proceed with the subdivision
until he makes right. Okay,he's wrong with the violations. But in
addition to violations, they could ruleagainst him simply because it's not conducive.
It's they don't have the services,they don't have the you know, that's

(20:56):
what the public hearings and the upplanning commission is all about. And then
they make a recommendation to the countycommission. So does the county commission in
general want to see more development thatI'm not sure they had expressed in the
meeting in June that ultimately, youlive in the county for a reason,

(21:18):
it's your property. You do whatyou see fit. But since he was
in violation of building code and someother easement issues that they were going to
deny at that time. Okay,listen, here's the thing. You're going
to have a tough time doing whatyou want to do. Okay, you
can do a homeowners association, andyou can even do it with him,

(21:40):
but it's only going to be uponagreement, and the agreement's going to be
based on your bylaws and your covenantsand all of that. What you can
try. Do you think he's goingto say no? I think in the
last meeting the commissioners advised him towork with his neighbors since there were so
many of us they're represented the areasaying we are against this and the reasons

(22:07):
why. So they advised him wouldprobably a good idea to work with his
neighbors. So I'm hoping that willbring through, Okay, because that's your
only hope. I mean, youcan't make the guy do any You can't
just go in group some houses togetherand then start dictating terms to somebody.
But that doesn't mean he just getsto subdivide. The county will make sure

(22:27):
it's conducive and they take into considerationadjacency, meaning if the land around it
is not like that and they're allopposed to it, there's a very little
chance that this guy will succeed.Okay, Well, the concern is he
in the plan to split it up. My property is directly across and the

(22:51):
way he had it set up,there would now be three homes directly across
from my home. Yeah, butthat's the only thing. The county is
concerned with, police protection, fireprotection, roads. I mean, what
is he going to do about roads? Is he going to dedicate him to
the county and bring him up tocounty standards. What's he going to do

(23:12):
for access? Right? Yeah,if it's a private road, do you
understand if it's a private road,you guys can and all of you are
maintaining it, you can tell himyou're not going to allow him to do
it because use your road. Youhave to put in another road. Now
that that's something you guys can do. If you all own part of that

(23:33):
road, you can vote to keephim off that road because you don't want
ten times the traffic, okay,And how would I go about that?
Because I well, okay, wellthe way you go about is to see
an attorney. That's what you do. Okay, But let me just because
you're going to do it all wrongif you don't. But the bottom line
is this, and this is reallyimportant. You have a joint road agreement,

(23:56):
whether or not it's in writing,because you all chip in for that
road. Now, logic will tellyou that if this man wants to turn
one lot into seven lots, orone lot into whatever how many lots,
it should not. It's not goingto work. So so what you do
is is he willing when he let'sjust say, instead of one house there,

(24:18):
now you have six? Is hewilling to pay for most of the
road maintenance? Has he ever talkedabout that? That's what you go to
the county about, not about justyou don't like three houses next to you.
None of that matters. You talkabout services and maintenance and fairness.
And I think you guys can forma group a joint road agreement and if

(24:45):
he won't sign it, fine,then he doesn't get to use it.
You can vote him. You know, you have some power there because you
all share a road that you butyou have to look at a survey what
parts of the roads you guys own. Do you all own all of it
or do you each one own partof it. You've got to get a
real estate attorney. Brad O'Brien isone of our real estate attorneys if you
want to call him and he maynot be able to handle it up there.

(25:08):
You know, Brad is very specificin what he will handle and what
he won't handle, which is fine. I'd rather do that than mislead people.
But start with him. Let megive you his number. It's Brad
O'Brien, O'Brien Legal Services seven tozero three seven zero three seven zero seventy
three eighty eight seventy three eighty eight. Perfect, Tom. I just want

(25:30):
to say thank you so much,but going online has been so confusing and
quite frankly er. Yeah, justcall me if you have any questions.
I've been through this a lot threeoh three seven on three talk. By
the way, thank you eight eighteight. Heating dot Com they can handle
your air conditioner problems right now.In fact, that's what they do with

(25:51):
honesty and integrity and great prices.So if you're having a problem, give
him a call. Three oh threeseven seven zero two seven seven six Go
with a sure thing Denver's best rooferExcel Roofing dot com. You don't pay
a cent until you're content. Pleatime for an insurance check up free,

(26:15):
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're troubleshooter. Welcome to the show.

(26:42):
I want to get to the phones. It's it's really important that I take
a priority for calls. But wehave a lot to talk about today.
Sharon. Hi, what's happening Sharon? Well, in May I went to
a guy of Betty meeting here inLakewood. And anyway, what is a

(27:06):
diabetic meeting? Is it of fellowpatients and people with diabetics diabetes? Yes,
it's just a meeting. Yeah,okay, And what was it about?
Well, it's about helping you getbetter basically, you know, getting
well from your issues. It wasjust not for diabetes. It was for

(27:32):
you know, other things people werehaving, Okay, medical issues anyway.
Okay, So my daughter and Ithought, okay, this this program sounds
pretty good. So what happened isshe was going to go in with me
and now put on this This isthe sixty four question. Who put on

(27:57):
this meeting Older Chiropractic in Boulder Shitty, Nevada. Okay, so we're talking
about Boulder City, Nevada, notBoulder, Colorado, right, Okay,
So it was sponsored by the meetingwas sponsored by or put on by Boulder

(28:22):
City Chiropractic. Well, actually itwas Boulder Chiropractic. That's the name of
the company. Got it And itwas put on by a doctor, Tanny,
and he was so impressive, andmy daughter and I were going to
go into the program, and soand what was what what tell me this
program? There's nothing wrong with doctors, both chiropractors, mds and osteopaths.

(28:45):
There's nothing wrong with doctors having conciergeor progressive medicine or proactive health programs.
But what was involved in the program, Well, what was involved is the
signing a what it is? Hereis the program card and you sign that

(29:08):
and the next day, well,what does that mean? What does that
mean? Were you obligating yourself forsome long term program? Yes? Okay,
now that's your first sign In myopinion of a charlatan, I know
of no decent, no decent proactiveconcierge clinic for health will make you obligate

(29:33):
yourself. So how long are youobligating yourself? Oh, for about three
years? Okay? And how much? How much? Well if six thousand
dollars for about three to four yearsto pay it off? Hold on,
no, no, no, I'masking the total cost of this program.

(29:56):
If you had cash that day,what would it be for a three year
program? Six thousand total? Okay? Now I'm going to tell you something.
I don't know what it what itincludes, I don't know. What
I don't like is that you're obligatingyourself upfront and you can't cancel. You're
telling me that's right. I don'tlike that at all. That to me,

(30:17):
to me, that that's a sham. However, the price in and
of itself is not unusually high.There are many many doctors I'm part of
a concierge program with an MD,and I do a I do a monthly
payment. I think it's like threehundred or some but but what I do

(30:40):
is includes supplements and prescriptions, andit includes consultations and blood work every three
months. And I can call ortext anytime. It it but it's I
can cancel anytime too, or Ican downgrade or upgrade the program, depending
on what I want. What Idon't like is that the idea that you

(31:03):
pay six grand and if you don'tlike it, or if you run into
financial troubles, that's just tough crap, is what you're telling me. Well,
right, but the next because thisis this is as a program.
It's one hundred and sixty six bucksa month. That's not terrible. What
I don't like is they don't letyou cancel because okay, but tell me
keep going with your problem. Bythe way, I just wanted to make

(31:25):
that distinction for people. Go ahead, Okay. Well, my daughter and
I met with him and I signeda program card. The doctor filled it
out because he put on the notehe was in a rush to get to
the airport, so she initialed everything. Well, I did not initial everything.

(31:49):
He signed me up for a VIPmembership. The next day two thousand
dollars was taking out out on mycard credit card. But anyway, he
gave me this new clinical nutriceutical shake, and my daughter decided she didn't like

(32:12):
it, and so I compared itto a shake powdered shake I had got
at Costco, and my powdered shakeat Costco has twice the minerals probably yeahs
twice. Anyway, did you decidelet's get right to this. Did you
decide you don't want to be partof it? Yep? Well did he

(32:35):
let them know that? What didthey say? Well, I can't get
out of it, and I've alsosent over an email to them and the
reason why I wanted to get outof it and what they did for me.
Hold On, this is a bunchof crap, Deputy Doc, you
know where I'm going with this.We need to call this clinic. We
need to get some of your permissionor do a conference call. This is

(32:57):
a lot of crap. We gotmore coming. Hold on, we got
just wait wait, wait, waitwait, I'll talk to you. Coming
up. Go with a sure thingDenver's Best roofer excel roofing dot Com you
don't pay a cent until you're content, wait time for an insurance check up
free, no obligation. In comparison, call Compass Insurance paying too much your

(33:20):
coverage at dozens of insurance companies findout now three oh three seven seven to
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate man dot com to listyour home with Remax Alliance three oh three
nine two zero sixteen twenty two.Hi Tom Martine, you're a troubleshooter.

(33:42):
Three oh three seven one three talkthree oh three seven one three eight two
five five. Welcome to the show, folks. Now, what are we
gonna do? We're gonna have deputyDoc? What were you gonna say?
Doc? I think we should callthese people. And what I was saying
was, how the heck is achimeractor dealing with or treating diabetes? It's

(34:04):
absurd. Well, here's what theydeal with. I listen, I've heard
of them all. They deal withwellness. I don't mind that they can
do supplements. They can do allkinds of stuff. Now, a good
chiropractor, there's a difference between givingyou supplements and saying that the supplements are
going to treat diabetes. Well,I don't know what they say because I
haven't been there. Okay, Doc, I'm not that. I don't want

(34:25):
to get hung up on that.Here's what I want to get hung up
on. Okay, you're right aboutit, though, you're right. But
she said she had diabetes. Maybethat's why she went there. I don't
know if he made claims about diabetes. I don't care. I don't want
to get sidetracked. I want togo on one thing. Why is it
non refundable? Why if he's notgoing to render the services, it's a
bunch of crap. What did hego out and buy a bunch of equipment

(34:47):
for her? You know that's abunch of crap. And listen to meet
people. I'm going to tell yousomething about chiropractic, and I don't give
a good damn if people don't likeit. If chiropractors don't like the sure
sign of a bad chiropractor is someonewho becomes a chiropractor and works every day
of their damn lives trying to getout of adjusting people. And they do

(35:08):
everything else from magnetic therapy to lighttherapy to nutritional therapy. To red light
to There are so many scams andripoffs, and they call themselves doctors.
They're chiropractors. They're not medical doctors. Okay, but medical doctors aren't chiropractors.
Stay in your frickin' lane if youwant to do proactive health. Give

(35:30):
people an out in case they wantto get out. We're gonna call these
people. It sucks. 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

(35:51):
much your coverage at dozens of insurancecompanies find out now three O three seven
seven to one help. You'll thinkyou're his only customer when you choose Frank
durand the real estate Man dot comto list your home with Remax Alliance three
oh three nine two zero sixteen twentytwo. Yeah, ripped news. You

(36:15):
need advice who you don't have?Come running sus fast as you can.
Shooter's gonna help. Come man,this is the Troubleshooter Show. No Tom
Martine, Hi, I'm Tom Martino. Welcome to the show. Three oh
three seven one three talk seven onethree eight two five five. Hey,

(36:37):
don't forget that Denver Regen dot comfor your semiglute Tide compounded two hundred and
seventy five bucks a month for theweight loss drug that is making headlines and
it's pennies on the dollar, DenverRegen dot com. Now you know,
Ryan called in while Mark did theshow a few weeks ago or more so

(37:00):
go No, it was actually,yeah, just the last month. And
anyway, he called in, andI'm going to sum it up real quick.
He bought a brand new truck twentythree Dodge Ram thirty five hundred,
and he had an oil change ofBig O'd tires and he heard an engine
knock after that about eight thousand mileslater. Then he took it to the
dealer, Castle Rock Chrysler Dodge Jeep. They said it was the fault of

(37:25):
Big O'. It was low onoil. Not only was his engine ruined,
it would cost him more than fortythousand to get it repaired, but
it would not be done under warranty. And in fact, they voided his
warranty so he could go nowhere else. Ryan, Do I have that pretty
well summed up? I'll be assurd and you didn't know what to do.

(37:50):
You were pissed off. Mark waspissed off. He for some reason
just believed you and took it fromthere. Mark. It was when I
found out the end of the storyand I, you know, we talked
a little bit about it Friday,but I wanted Ryan to come on and
just verify everything I was saying actuallyhappened to him because it's so unbelievable.

(38:12):
Plus we wanted to get the managingpartner, Funky Joe Medina on from Castle
Rod, Jeep Dodge, whatever thehell is doing, well, tell us
what happened? What did you dofirst? Mark? What did you have
Ryan do well? I told Ryanmore than anything, what I needed was
get me the information who he wasdealing with down there, and he got
me. Joe Medeene, I believehis first name is Joe, the managing

(38:36):
partner. So I talked to himand I kept telling Ryan, I kept
pushing them. I said, yougot to have these guys put something in
writing what happened and why it's notunder warranty. Put in writing that there's
only three courts instead of just tellingyou, put something in writing. So
we can talk to an attorney andfigure out what the hell to do next.
And he kept bugging them and buggingthem and got it escalated up to

(38:59):
somebody that worked a Doves. Bottomline, the guy that works that Dodge
said, we're going to go aheadand tear into the engine and make sure
it wasn't a consumption problem, andwe'll go ahead and pay for that,
but you're probably still not going toget a warranty on the engine. So
this guy brings it to a differentdealership, a Rappa ho who did a

(39:21):
bang up job. And guess what, Tom, this is unbelievable. Not
only did they lie about only threequarts of oil in it, it was
full of oil, but on topbeing full of oil, the engine was
in perfect shape. These guys liedabout the entire deal and tried to get
them to buy a forty one thousanddollars engine. Wait a minute, so

(39:44):
are you saying it's now fixed?And what was wrong it was? What
was it? Not? The clutchplate? What do they call it?
Ryan? Yeah? It was theflex plate? You're right, flexplate?
Wow? So you believe it?They had it fixed in a couple of
days. I can't believe what ripoff. These people are Now I started thinking,

(40:05):
Okay, anybody could make a mistake, But how do you tell the
guy that there was only three courseof oil then void his warranty in the
Dodge system And I got a screenshotof it. They literally did it.
I saw it firsthand. They avoidedthe engine warranty on that vehicle right there
in the dealership. How do youdo those two things? Try to sell

(40:25):
them a forty one thousand dollars engineon accident. Do you see anyway that's
possible? Well, yeah, ifyou want to be a liar and a
cheater, I see where it's possible. I mean, could they be that
stupid that it was a mistake?Ryan? You either way, let's put
it this way. Let's put itthis way. Either way, whether it

(40:45):
was intentional or unintentional, why wouldanyone in their right mind ever go to
Castle Rock Chrysler Jeep whatever the hellthey're called, Chrysler Dodge Jeep. Listen,
here's the deal. This is theidiot funky Joe Medina in Castle Rock?

(41:07):
Is that his name? He's thegeneral manager? Is it Joe Ryan
Joe Jose? I think, ohJose, Well that's Joe Monkey Jose Medina,
pull some accent, come to usthat I can, and we'll spend
your money. I really like tohear what you think about the whole thing.

(41:28):
You're the one that dealt with allthese clowns. Yeah, Ryan,
I'm looking. What's Yeah? Ijust I think we brought the truck in
the becher and knocking the engine basicallya doom. There was no oil in
it. And threw his hands upat that point. You know, if
they would have spent the time actuallydigging into the engine that they putting together

(41:52):
to repair the actual truck, FunkyJose Medina, you know it's pretty parent.
You know, I was told thatengine pan was dropped and there was
three courts of oil that never happened. In my opinion, I did that
guy. He actually told him theydropped the pan. A little media,

(42:12):
you know what I'm telling you,they better do something? Is foundation the
owner of this place. A coupleof SIPs of this love. I'm not
positive, man, I just don'tknow for sure. We gotta get go
above Funky Jose Medina's head. TheGM said he won't come on the air
and address this. Why would he? He got caught red handed either,

(42:35):
either they're stupid or they're cheaters.Which one is it? Don't know what?
Okay, well, funky Joe Medinaor Jose Medina. Oh, Ryan,
I do want to say that arapa ho Dodge. Thank guys,
these guys were honest and found theright problem. Man, I can't believe
it. Those tricksterres voided your warranty. Now, Ryan showed the photo.

(43:00):
But they did, Man, theykilled your warranty on that engine nationwide.
It's backed, by the way.Now Ryan has his truck and it's completely
fixed. Ryan, all right,not only Hey, and poor Ryan walched
his wife this year. Man's onlything to do with it. But that's

(43:20):
just you know, he's a singleBye God everything you must all right now
listen, I gotta drop off,guys. I'm coming all right, Manner.
Thank you Mark for chee, thankyou for working on and we definitely
deserve this. The dinger goes toRyan today. Hey, Ryan, Mark
too, So Ryan the man,stay in touch with us. You got

(43:42):
your truck, it's fixed. Weknow better not to go to Castle Rock,
whatever the hell it is Castle Rock. Chrysler Dodge Jeep at seven to
zero seven three three seven zero zerothree don't. I mean, what excuse
do they have? Either stupid orthey're lyars and sheeters? Which one is

(44:07):
it? Which one? How doyou not fix that truck when the other
dealer did and you wanted to spendforty grand for this guy? Think about
that? So we can I thinkwe can add that to our total that
we have helped people with now oncash, merchandise, exchanges, refunds,

(44:29):
and services. So it does payto call the troubleshooter. It does pay.
Three zero three seven one three talksseven one three eight two five five.
I love doing what I do.Hey, renew Home Innovations loves it
too. They love doing beautiful showers, beautiful shower conversions on that old ugly
shub. You know what a shobis. It's a town. It's a

(44:49):
shower and a tub put together.They're ugly, those old tubs. He
takes them out, puts in abeautiful new shower, stone walls, glass
panels, no thresholds to stumble over, beautiful laid out exactly the way you
want, perimeter drains, And here'sthe deal. Two or three days and
you have, guess what, seventytwo months to pay with no interests three
oh three nine zero four to twothousand. Go with a sure thing Denver's

(45:16):
Best roofer Excel Roofing dot com.You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three oh three seven to sevento one help. You'll think you're his

(45:36):
only customer when you choose Frank durandthe real estate Man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.
Hi Tom Arsino here three oh threeseven to one three talks seven one three
eight two five five. Let's talkto B. And then I want to

(45:58):
go back to insurance because I dohave some questions that were texted into my
Google number. Okay, ah,B, what's going on? Okay?
So I had to stay at anr V UH trailer UH spots and they
people live in their trailers. There'strailers and RV's out there, and we

(46:23):
I stayed there for a few months. Now, what do you mean you
stayed there? Do you have doyou have an RVB? Yes, okay,
okay, in a camper. Sowhat's the name of the place you
stayed? Oh, gosh, MountainView at States in Colorado Springs, Mountain
View Estates r V Park, Yes, okay, And what happened? So

(46:51):
I never got a lease from them. The lady would never answer a phone.
In no, no way. Sothis wasn't like overnight. You're talking
about a long term. Yeah,from January, from April of last year
to January of this year. Andit was that originally what you had planned
to do. Yeah, okay,it was a month to month, but

(47:15):
I knew it was going to besix months to a year. Okay,
So anyway, what happened? Soyou went from April to January twenty twenty
four? What happened? I keptasking her for lease, and like they
would never answer their phone. Theyalways had a sign on the office.

(47:35):
It was just a shady you know, it wasn't round properly. But anyway,
they ended up getting a new personin there because they said that she
was still she was stealing from thetrailer park. And anyway, it took
him. I gave my notice onJanuary third, and he goes, I'll

(47:57):
give you the deposit after I getthe last billing from the utility company,
and it took two months to getthat. But well, according to the
check that he wrote, it tooktwo months, but we actually didn't get
the deposit until three months later.Did you get your full deposit? They

(48:22):
kept a little bit because of theYouTube. So what are you call it?
Okay? So what are you callingabout? If you got most of
your deposit back three months later?What can we do for you? Yep?
Because I want to know if thatwas done in a timely manner.
No, it wasn't. Probably,But but you don't have anything. You
don't have anything to Here's the waythe law reads. Okay, it has

(48:45):
to be done in thirty days unlessyou have a written lease extending it to
sixty days. Okay. And itwasn't done, okay, okay. So
the fact that it wasn't done meansyou have to write a demand letter and
then if they don't do it,then you can sue for treble damages.
But you didn't do any of that. You just waited. Now, I

(49:07):
don't know. I don't know theanswer to this, really, b I
don't know. If you didn't takeaction and they sent it late, do
you still have damages. I don'treally know. I think you need to
give them notice. Then they refusethat notice, or they ignore that notice,

(49:28):
then you see them. I don'tknow though, I really don't know
the exact and I don't know thateither because we never got the lease,
or we can try to find out, you know what, as I said,
Brad O'Brien might know that. What'sfar Well, it doesn't matter if
they're statutory damages. For example,doc, if a landlord does not return

(49:52):
your deposit within the statutory timeframe,which is thirty days or sixty days,
depending on the lease, then theycan be sued for trouble damages. And
I don't you don't have to reallyshow damages. But in this case,
she never made a demand. Nowthey sent it late, but she never

(50:15):
made a demand a demand in writing? In writing, did you make it?
Okay? So they're going to sayyou didn't make a demand. Okay,
they're going to say they simply sentit to you. And can you
even prove when you got it?No, because that's the thing I've got.
Well, I do have the stampenvelope, but they wrote the check

(50:38):
in uh, the letter saying wetook blah blah blah for the uh and
what is that letter dated? Whatis that it was on March the third.
That doesn't tell me what was theletter dated? Within sixty or thirty
days? Well, yes, forthem, but the envelope is stamped after

(51:06):
sixty days. Okay, okay,okay, then it's all going to be
a matter of proof. Be andyou never asked, you never made demand
the losses you have to make demand, And so I don't know what happens.
Try soon, I'm a small claimscourt. What the hell I mean,
it's fifty bucks and tell them youon treble damages because they kept your
deposit too long. See what thecourt says. I mean, I think,

(51:31):
And I don't mind getting Brad O'Brienon if he was willing to come
on for this find out Kelly.If he wants to come on and answer
that, she can just listen andfind out. If they technically sent it
late and she had never made actionor took action, can she go back
and get treble damages just for thehell of it. I don't know.
The answer might be yes. We'lltry to get him on to answer that.

(51:53):
So, yeah, but they weresupposed to do it in a timely
fashion. Three h three seven onethree talk three oh three seven to one
three eight two five five. Nowwe're going talking to Brian Burns's Compans's insurance.
In addition to having them here today, we like to do insurance checkups.

(52:13):
Now. An insurance checkup is whereyou call in and tell them what
you have for coverage, and thenthey quote several different companies to see if
you can get better coverage for lowmoney or the same coverage for lower money.
Now, there's a few things Iwant to talk about when it comes
to insurance, and one of thoseis do you know that according to a

(52:37):
re survey, there are twelve percentof people who own homes have dropped their
insurance totally. It's a trend aroundthe country. Now, I thought if
you had a mortgage, Yeah,you couldn't do it if you have a
mortgage. So you're talking about peoplethat own it, says here. According
to a recent study from the InsuranceInformation Institute, twelve percent of Americans have

(53:00):
zero insurance on their homes. It'sthe highest level of uninsured homeowners in recent
history. Again, I still wouldsay that it would have to equate to
people that higher premiums, higher deductibles, lower coverages, that insurance premiums have

(53:21):
doubled or tripled over the last threeto five years, and people, and
it says, oh, forty percentof Americans own their homes outright, and
so I don't know if it's twelvepercent of those or twelve percent of all
overall. I don't know, butit just says so obviously, when you

(53:42):
own your home outright, there's noone that tells you you must have insurance.
Absolutely, Yeah, it's your choiceat that point if you're just taking
on the risk. Yeah, butyou have that right to not ensure.
It's not like auto insurance where youare forced to carry liability because you're covering
other people liability. Can you ifI wanted to ensure my home just for

(54:02):
liability, can I do that?You could get maybe like a renter's insurance
policy, something really doesn't cover youractual structure and it includes liability, you
know, like an umbrella. Theyrequire you to have underlying limits, underlying
liability limits, So you would haveto have some kind of underlying limit for

(54:22):
liability for your umbrella to extend.But as far as a home, if
it gets ridiculous, let's say youdon't want to ensure for full value.
Is that even an option? No, because insurance well preferred carriers. There's
companies out there that would do it. But if you want like a preferred

(54:43):
carrier, they're going to at leastrequire you to ensure it for what replacement
cost is. But what you cando is carry really high deductibles and that
does bring the rate down a lot. I mean, if you're if you're
getting to the point where you're carryinga five percent win in hit deductible,
you're basically saying, if it's awind or hail claim, I won't make

(55:04):
a claim like on this house.We're the home studios. There's no I
can't think of any peril right nowexcept total loss from a fire. Water
where but okay, we have acreak in the back here. No,
no, I'm saying a broken pipe. Oh, that's definitely a very common
claim. Okay, yep, sowater and fire, obviously, the most

(55:27):
common is going to be wind orhail. That's that's the biggest losses here
in Colorado. Is so is myI don't know, is my roof considered
a hailproof? Do I get adiscount? Because yeah, you get a
discount, and you can carry amuch higher deductible because of that. And
I would tell people if you havea roof that is able to withstand wind
or hill, concrete tile, whateverthat might be, then it behooves you

(55:50):
to carry a much higher deductible becauseyou're not going to make a claim in
most No, I mean I'm goingto make a climb. I'm not even
yeah, I mean for it toruin a roof like this one, there's
big giant tile it would have.It has to be humongous hails, humongous
hale at that point, yep.And even then with tile, a lot
of times you would replace individual tilesthat are damaged. If it destroyed the

(56:12):
whole roof, yeah, then you'retalking about an enormous amount of money that
you're going to pay, and allof a sudden, the one percent deductible
or whatever you have is no longeras you know. It at least makes
sense. You're like, Okay,I anticipating in it. But but I
mean people are making sure. Ifind it impossible to believe. But people
are saying, I'm not going tobuy insurance, the hell with you?

(56:32):
All? Yeah? Yeah, wellagain, yeah, but if you have
a mortgage, then they're going toput force Place insurance, which is substantially
more expensive and has less coverage.And Force Place insurance people, is only
to cover the mortgage. That's right. It's none of your personal belong there,
and it really is just to helpthem if something happens. Yeah,

(56:55):
so we have open lines for thefirst time this morning. Three oh three
seven one three talk three all threeseven one three a two five five.
Go with a sure thing Denver's bestroofer Excel Roofing dot com. You don't
pay a cent until you're content,wait time for an insurance check up free,

(57:20):
no obligation. In comparison, callCompass Insurance paying too much your coverage
at dozens of insurance companies find outnow three all three seven seven one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two. Hi,tell Martino you're troubleshooter. Three oh three

(57:46):
seven one three talk three oh threeseven one three eight two five five.
Okay, uh, let's go backto the phones here and oh well,
we don't have uh, we don'thave our expert. He's in court,
so we're not going to be ableto get someone on for b But it
brings up a good question. Ifyou don't bring action or they mail your

(58:12):
deposit before you bring action, youhave your deposit, what are you going
to sue for? And we're goingto talk about that now. When it
comes to insurance and dropping insurance,there is no law that requires people to
have insurance, not even liability right, not like in a car. So
if they have a home, theyit's possible, and if they own it,
they don't have to they don't haveto have any insurance. Yeah,

(58:34):
yep, nope, they can.I mean we'd call that self insurance.
You're you're just taking on the riskyourself. Now, if they have a
roof damage or something that's thousands ofdollars, they're obviously not going to be
able to afford it, right Well, or maybe they do have the money
and they just said I I'd rathertake the risk and you know, gamble
a little bit on it, orlike you said, they just can't afford

(58:54):
insurance. It's one of the two. Either they just think it's it's outrageously
and they don't think it's worth themoney, or they don't have enough money
to pay for the insurance. Doyou actually know of clients right now who
have dropped insurance? Yep, Ido. I Oh my god, I
know. And sometimes the one Ican think of off the top of my

(59:15):
head, it's because they were ina fire risk area and it actually was.
It was a town home that theHOA disbanded because they could not get
homeowner's insurance for the actual structures.So they just said, everybody has to
get their own insurance. And Idid find an option, but it was

(59:35):
expensive, really expensive, and theythey opted to They own that house outright,
and they opted to just take therisk. And they said, they're
you know, they understand that ifa fire comes through there or anything else
happens to the structure, they don'thave any insurance coverage, they are going
to have to pay it on theirown. So I do I And I
hear people all the time say,you know, I'm going to have to

(59:59):
just I'm not going to be toafford insurance. And I feel terrible for
them, you know, I getit. The rates are going up at
just such a you know, anamazing level right now. All right,
I'm gonna just heads up there,Shannon. I'll be calling somebody for on
my local phone here because they havea problem and I can get them on

(01:00:20):
easier at this point. But inany case, here's the deal. There
are listening to this one some SupremeCourt decisions that are massively going to affect
us, I mean massively. Andone has to do with the administ the
administrative powers of agencies being able tomake law. Many agencies, including the

(01:00:46):
I R S would interpret laws andactually not so much even interpret them,
but like the FAA, the IR S, the oh, there's so
many osha, I mean, mygod, it goes on and on and
on and on and on. Whatthey literally have done was they became almost

(01:01:07):
they don't call them laws, theycall them rules, rule making entities.
In the securities business, there area ton of rules that have that never
went through Congress, the rules howyour money's managed. Now, the Supreme

(01:01:27):
Court basically said that agencies can nolonger do that. They cannot make administrative
law. I mean, this isan amazing I mean, well, they
can attempt to, but then youcan take them to court and by precedent
win. There it was called whatwas it called something, It's called the

(01:01:54):
Chevron rules, Chevron deference. Right, Yeah, but Tom different. I
thought the way it came down wasthat if there was a question about the
interpretation, the interpretation of a law, then the agency was the final arbiter
of it. And now, yeah, well yes, in their rule,

(01:02:15):
that's right, they would make rulesbased on what they thought was was the
statutory right. They would make decisions. And now these rules said the decision
is up to the court, notto the agency. That's right, that's
right. And what they used todo is give preference to that. They
would give preference to the federal agencies. Right, it wasn't even preference,

(01:02:39):
it was a final decision. Wasthat what I mean? That's what I
mean when it came to the finaldecision, exactly if you disagreed, they
they got to decide. And soit was it was kind of like almost
legislative and in its and it's aneffect. So right now there is going
to be a major change because beforewell like if you disagree with an enforcement

(01:03:01):
action of an agency, you cansimply say we disagree, and no longer,
no longer is it automatic through anadministrative judge or a hearing within that
agency. Can that agency say nope, we're right. They can't. They
can't determine if they're right or wrong. They used to be able to determine

(01:03:23):
if they're right or wrong. Nowwill this clog up the course? Many
liberals and I'm only saying that becauseit's a fact, are arguing it was
a bad choice because it will tieup the courts. And others are saying,
no, it will not tie upthe courts. It'll just curtail federal
government the way it should have beento begin with. But I think this

(01:03:45):
is drawing distinct political lines. Withall of these recent decisions, including one
on homeless camps. For example,I don't understand the Supreme Court is saying
that cities can ban homeless camps.Okay, so again taking away from the
federal government. If you notice thetrend of the Supreme Court, it's diminishing

(01:04:15):
the power of the federal government infavor of local governments. Do you notice
that forcing a tenth Amendment? Doyou agree though that in general? Well,
I think that if I'm a strongconstitutionalist, So the Tenth Amendment says,
if it's not specifically delegated to thefederal government, that's right, and

(01:04:40):
other issues are up to the statesto determine. That's unless that's right.
And then if it's unconstitutional on thestate level, right, well that's different,
that's right. That's where the federalgovernment and your constitutionalists theory would take
over. If so, they're notsaying the states can do anything they want,
because Biden made a stupid remark inhis debate saying, what if they

(01:05:05):
turned civil rights over to local states. Well, what he was implying is
that some states would have still beenin favor of unconf of well, let's
say, just say slavery. Hedidn't say that, but what he meant
was civil rights are federally protected.Yes they are, but so are all
rights federally protected. So if astate rules something and the federal government says

(01:05:30):
it's unconstitutional even though it's a statelaw, that doesn't mean it'll be enforced.
Correct. So it's really the wayit should be. It's the way
the country was founded. But forsome reason, the liberal philosophy nowadays is
big federal government. Let the federalgovernment make all of our decisions. They

(01:05:53):
do not trust people to rule andgovern themselves. What is a better definition
of a threat to democracy. They'rethe ones, the ones who are saying
that Trump poses the biggest threat todemocracy. Those people are actually the bigger
threat to democracy. They're saying thatindividual states and cities and municipalities, we

(01:06:18):
do not know enough to govern ourselves. You must leave it to the federal
bureaucrats to tell us how to live. That is what they're saying, and
that goes with everything right down tovaccinations. They are all for big government,
less individual rights, less, notmore, less individual rights. You

(01:06:41):
notice that the right to privacy thatthey use for abortion, they never brought
up when it came to vaccinations.Why is that? Why is that?
You know, it's amazing to me. I just don't believe it. I
don't believe what they stand for.Big government, big pharma, no individual

(01:07:04):
rights, and even censorship that's allacceptable now in certain political circles because they
don't trust people to make decisions andchoices on their own. Well, Tom,
you know, when Bill Maher startsto complain about the progressive movement,
you know they've gone through years.What I don't like, Okayne, I

(01:07:25):
don't like the idea that they thinkhate speech should be barred. I don't
think hate speech should be barred atall. I'm not in agreement with it,
but don't you think we as people, if we see something hateful,
it's like we're gonna turn hateful.Come on, well, you know,
I don't know who said it,but you know the classic line, which
I believe in, is the onlydefense against hate speech is more speech.

(01:07:50):
Anyway, we gotta take a break. Three all three seven to one three
talks seven one three eight two fivefive. Donna has a question for Compass.
Donna, please hang on. We'llcome right back to you and more.
Go with a sure thing Denver's bestroofer Excel roofing dot com. You
don't pay a cent until you're content. Wait time for an insurance checkup free

(01:08:15):
no obligation comparison call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three all 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 all three nine two zero
sixteen twenty two. Hi Tom Martinohere, three oh three seven to one

(01:08:40):
three talk. Let's go to thephones and talk to. Donna has a
question for Compass Insurance Group. Goahead, Donna, Hi. The answer
is it's probably very obvious, butI'm old and I can't see it.
Frior to hellowner's insurance. There wasjust fire and years ago, years ago,

(01:09:01):
fire and dwelling. But it wasit well, yeah, that was
a nickname right mainly. But wellit's called a dwelling fire policy. Yes,
but do they also have liability tiedto it or not? Yeah,
there's liability on them. Yeah,So why did they Why was it called
fire and dwelling. It just wasn'tas encompassing. It was just an outdated
policy. They still have them forrental homes. They still use that same

(01:09:25):
form. So what does it notcover? It doesn't cover. It's not
a comprehensive it's not like where youwould becover for everything except for what's excluded
that. They don't offer a policylike that. And it's personal liability on
a home owner policy as opposed topremise liability on a dwelling fire. So
it's only covering liability at the homeitself, whereas personal liability call as you

(01:09:45):
wherever you go. Yeah, SoDonna, you bring up a good point.
Do they still offer it would besubstantially cheaper. Well, my question
is I own my home and Ihave homeowners no mortgage, and I own
a rental no mortgage, and it'sprobably worth two hundred thousand dollars more than

(01:10:08):
my house. Now. The insuranceon my house HMO is fifty one dollars
here, and when I had therough replace, I had to come up
with seven thousand dollars ridiculous and thatalso included an upgrade to hal resistance.

(01:10:30):
I have everything I have in myhouse. Most everything is antiques from family
members, none of my ex Sowhat what is your question though, because
we want to answer it. Okay, well, I'll get to it everything
well hold on, wait, okay, okay there, hold on. Really
I want to get to your question, and we do want to answer it.
I think she's bringing up some goodpoints, but we have to take

(01:10:54):
this break. I'm sorry, I'mfined by the clock. Go with a
sure thing Denver's Best roofer Excel Roofingdot com. You don't pay a cent
until you're content, leave time foran insurance check up free, no obligation.
Comparison call compass insurance paying too muchyour coverage at dozens of insurance companies.

(01:11:16):
Find out now three all three sevenseven to one help. You'll think
you're his only customer when you chooseFrank durand the real estate man dot com
to list your home with Remax Alliancethree all three nine two zero sixteen twenty
two. Yeah, ripped of newsneed so you don't have come runs fast

(01:11:44):
as you can show Shooter's gonna helpcome Man six is the Troubleshooter Show.
No Tom Martino, Hi, TomMartino here, Welcome to the show.
Got compass insurance group with us andanything you want to t talk about give
us a call. And one thingI must urge you if you have a
problem, don't let it wait.The longer you wait, the worse it

(01:12:05):
gets. And by the way,waterpros dot net, if you want a
whole house of softened water, bythe way, your laundry will almost get
cleaned without detergent. I'm not kiddingyou, by the way, and it'll
be cleaner, better for your price, better for you, better for your
skin. Waterpros dot net they havesystems for the whole house at thirty four
hundred. You can't even touch thatwith a plumber three oh three, eight,
six, two five, five yfive four. Donna has a question

(01:12:27):
for compass insurance. We started outby talking about something cold. What is
it, Brian? What is thatinsurance called a dwelling fire versus the homeowner
policy? So an HL policy ismore comprehensive. You have liability of personal
off premiseage and off premises coverage,you have all kinds of stuff. They've
enhanced it over the years. Butnow that things are getting more expensive,
is it possible they're going to comeout with very basic coverages because if they

(01:12:50):
don't, it's going to become costprohibitive. Do you think they'll do away
with a lot of the off premisescoverage, a lot of the personal liabilities
and have basic policies show because thebulk of the cost of the homeowner policy
is because of the dwelling, becauseof wind and hail. Honestly here in
Colorado at least, so you willfind what they'll do is they'll keep raising

(01:13:14):
deductibles or make ACV on the roof. They're going to continue to do things
that are going to cut down onthe bulk of their lawsuit. I want
to talk to Donna. Donna,go ahead, what is your what is
your question? My question is onthe home where I live. My insurance
is fifty one dollars a year,as I said, and I had to

(01:13:36):
come up with seven thousand dollars toreplace my rook. On the rental the
insurance is twelve hundred dollars a year, and I didn't have to come up
with a penny to replace the rookin my home. I have nothing of
value except sentimental except appliance. Wouldit behooves me? I get a dwelling

(01:14:04):
and fire on my home instead andsave pocket the money? Can you do
that, Brian? And will itsave her money? You can? There's
companies that will offer you you canyou can do. I can think of
a company we have right now thatwill allow you to write a dwelling fire
on a primary or occupied home.But the rate isn't that much better and

(01:14:25):
the coverage is terrible. So Idon't the twelve hundred dollars with no deductible.
I don't know what kind of policythat is because I know who's a
carrier on that Hartford on both ofthem, and the dwelling fire is covering
the structure, but there's no deductible, right, Yeah, I've never seen

(01:14:46):
that. Wait, wait a minute, Wait a minute, you're telling me
on that rental you have the Hartfordand you have something called dwelling and fire
and when the roof was destroyed,you did not have have a penny out
of pocket, not a penny,not an I could you? I really
want to explore this. Is itpossible? Would you mind if you gave

(01:15:11):
us a copy, not a declarationpage? Yeah, something like that.
I just want to I just wantto explore it for myself. Okay,
but it happened five years ago,so I've I've saw away my policies as
they expire. But do you haveone? Now? What do you have
now on that rental? I've hadit all these years, you still have

(01:15:34):
it, but you still have thesame policy. Yeah, I've had Hartford
for probably twenty years. Yeah,I'd love to look at the actual declaration
page for that rental property. Eventhough that was five years ago, it
should be renewing now. Things mighthave changed on it. I get you,

(01:15:54):
but I'd be happy to look atit. Be kind of fun to
look at. Okay, Yeah,yeah, I think it's incredible. I
mean, so, what do youthink your opinion about if I should just
go with fire and dwelling on mypersonal home. Well, here here's the

(01:16:14):
thought on that. Again, you'reby all means try it. We have
Hartford where we actually that's one ofthe carriers. We can write for AARP
or Hartford, either one, andthey have rules around not writing rental homes
or dwelling fires unless your homeowner policyis also with them. I don't think

(01:16:36):
they have an option for an owneroccupied dwelling fire. Like I mentioned,
there are carriers that do. Idon't think Hartford's one of them, but
by all means, you could tryit. Yeah, okay, all right,
you know I'm almost ready for anursing home, so yeah, certainly
if there was a fire in myhome, can't replace the memories, and

(01:16:59):
I wouldn't need as much as whatI have. Yeah, no, I
get you. Yeah, you're right. On homeowner policies, they give you
an exorbitant amount of personal property.It's a portion of your dwelling limit.
So some companies that automatic seventy percentof your dwelling limit goes to personal property.
Some of them that's only fifty percent, but still a lot of people
don't have near that personal property amount, and most companies don't allow you to

(01:17:23):
alter that amount. That's just theirautomatic coverage. Okay. Now I'm reading
about different coverages and it says AARPI looked up has a program that has
no deductible. Okay, so itmight just been grandfathered in. I can't
write it new. And it saysit's zero. It's called Protector plus zero

(01:17:45):
deductible. Yeah, no, Idon't have an option for it. I
guess with this benefit, you're deductiblecan be waived up to five thousand dollars
for certain losses. Is that whatit's saying? If you are home sustained
severe damage for a qualifying law.Okay, so some carriers will wave a
deductible if it's over a certain amount. Let's say you have a fifty thousand

(01:18:06):
dollars loss, but they usually don'tallow wind and hail is one of those
options. It's usually fire or oneof those. So it's like they incentivize
here, say, hey, youcan carry a real high deductible, will
wave that deductible. Though, ifyou have a severe you have a total
loss. Here's what it says.For example, if your home is struck
by lightning causing electrical damage, exceedingthe amount, the benefit would be waved

(01:18:30):
the deductible. They would wave yourdeductible to give you added peace of mind.
And then it says, as faras dwelling dwelling fire insurance is designed
for homes you own but don't livein most of the year. And that's
true, That's what I was saying. Usually does when it says when it
says fire dwelling dwelling fire, isit only fire? There's other perils.

(01:18:55):
It's just an aniquated we can sayit. And it covers properties like vacation
homes to juice cabins, investment homessuch as rentals. Similar to homeowner's insurance,
dwelling fire coverage pays for repairs andrebuilding when fire damage occurs. It
protects other structures and porches and garages. However, it doesn't provide possessions or

(01:19:16):
and liability is limited to premise,not personal liability where it follows you around.
So when does anyone ever use personalliability coverage for their homeowners? When
would that ever come into effect?Give me an life exam. You're walking
down the street, your dog bitessomebody, that your liability extends to you,
even though you're not on your premiseon way? What other way?
Oh man, there is a lotof think about any kind of law.

(01:19:39):
If you are sued, even ifit's not legitimate, if you're sued for
something you say, something you do. Yeah, that would be outside of
premise liability. Premise liability would bejust I know, someone trips and falls
at your premise. Personal liability wouldextend wherever. I remember one guy one
time got in a fight with hisneighbor, and his neighbor I think they

(01:20:01):
came to blows. I'm not surehis neighbor press charges. This guy was
then it was being sued civilly,and his homeowners covered him. He wasn't
at home at the time, hewas over at the neighbor's house, but
his homeowners did cover that. Yeah. Absolutely, That's what I'm saying.
You're if it's not an automobile accidentand you're sued for a personal reason,

(01:20:24):
your personal ability on your home iswhat extends to you. I shouldn't ask
this because I don't want to openup a can of worms, but in
my line of work, I certainlythey must exclude me. Well, yeah,
across the board with homeowner policies,they exclude business liability of any kind
of anything that's riding from your businessis not going to be covered underneath personal

(01:20:46):
liability. Okay, yep. Soif somebody sues me, yeah, sues
you for something you said on theradio, they wouldn't cover you for that.
Now. Mark said one time hemade a mistake of mentioning he's in
the media, and he had areally hard time I'm getting coverage. Is
this a few years ago? Doyou recall that? Oh? Yeah,
what was that for? Why I'mwriting for a home owner policy? They

(01:21:08):
don't or an umbrella. I hadto go to a specialty company for Mark
because of the fact that he wasin the media. Because not just the
media, it's the line of workyou guys are in where they yes,
you're consumer advocates, so you area very high target for lawsuits. And
so even though they exclude that ona home owner policy, they still know

(01:21:30):
that they can get roped into thelawsuit. Even if they're not going to
cover it, they're going to stillhave defense costs that are going to be
involved. So they don't want anythingto do with it. For the most
part, companies don't want anything todo with it, all right, three
oh three seven one three talk threeoh three seven one three eight two five
five. Get your calls in anyproblem, question or complaint. We have

(01:21:51):
a lot to talk about today.I want to talk about the UH,
the Supreme Court decisions and how theyaffect us, and even the presidential immunity
one. And it's not about Trump'sand don't worry about it. It's just
about the decisions lately of the SupremeCourt and what they mean. By the
way, Probid Energy is a solarcompany that we recommend probid Energy dot com

(01:22:16):
for your solar needs. 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 check up free, no obligation. In comparison, call Compass Insurance paying

(01:22:39):
too much your coverage at dozens ofinsurance 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 estate Mandot com to list your home with Remax
Alliance three oh three nine two zerosixteen twenty two at Hi, Tom Martina
and your Troubleshooter three O three sevenone to three talk threeal three seven one

(01:23:01):
three eight two five five. Soimmunity for the president meaning for official duties.
I don't know why that surprises anyone. Now, I think that what
they're saying is, I mean,if he goes out and robs a seven

(01:23:23):
to eleven, he's not immune,or if he does something wrong. But
as an official act, as weirdas it may seem to people, he
was elected and can do things likethat. Now was I think? And
one thing that I'm shocked wasn't broughtup is that couldn't they argue? And

(01:23:48):
I know, uh, Dragons withus. And the reason I say that
is because Dragon likes to chime inon Brown Brownie Show. Unlike most producers,
he likes to take part in theconversations. But I can't someone make
the argument that his inquiries about theelection, they were saying he was trying
to interfere. Couldn't the prosecutors tryto make an argument that that wasn't an

(01:24:14):
official presidential duty but more of apersonal endeavor. It could be argued with
both Brown was actually making that comparisonjust this morning, that yeah, it
could be argued either way. Sothat's why it getting sent down to the
courts lower than the Supreme Court thatactually deal with that kind of not the
Supreme Court. So in other words, they could say, we okay,

(01:24:35):
so he can't be prosecuted for presidentialduties. But certainly when he was calling
saying can you find me some votes? That wasn't presidential. Now the other
thing is this, let's say itwas personal. What's criminal about it?
Was he saying you better find memore votes? Or was he saying come

(01:24:57):
on? Even at that case,Brown was also saying, fact that it
is set up to begin with asit it is immune until they prove that
it is not. And it's goingto wind up clogging up the courts.
Yes, because every time there's aprosecutor that says this action A was illegal,
it's going to wind up going tothe court to decide if the action

(01:25:20):
was illegal or not, so thatthe immunity can or cannot be used.
Yep, doctor well knows there,yep, right, Well that I think
the bigger question is was it anofficial duty or not? Well, that's
the first question, right, That'swhy they have to go to court for
it, because until they figure outif it was an official duty or not

(01:25:40):
he's immune, so that then theygo to court to find out if it
was official or not, and whicheverside loses is going to appeal correct anyway
anyway. So but but okay,and then again that that's where we are.
That's where we are. I thinkit's really important that presidents be able

(01:26:03):
to do their duties without regard towhether it's criminal or not, because there
are times that United States and Congress, that the executive and the legislative branch
they do things around the world thatother people around the world would consider illegal.
I mean really, I mean,you know, it's all about disagreement

(01:26:26):
and war and all of that.Now, as far as news, there
is a study that says in theUS right now on the internet. I
don't know, this may not surpriseanyone there are officially they actually did a
survey more fake news than real news. Does that surprise anybody or is that
what you would expect? I wassurprised by this. Now. I know

(01:26:50):
there's a lot of bs on theInternet, but to say there's actually more
fake websites and news outlets then legitimatereal news is is for real that there's
more fake stuff? And do youknow who they say has actually started more

(01:27:11):
fake websites for fake news. Wheredo you think, who do you think?
What do you think? Take ustalk about it Russia. Now,
I'm not sure how much I,by the way, trust even the disinformation
watchdog known as NewsGuard. But andand until this article, I've never actually

(01:27:34):
heard of NewsGuard. Have you haveany has anyone heard of NewsGuard? Supposedly
this is a group, It's likea that was called Snopes. Yeah,
but but but about news and aboutwebsites. And they say that with deep
fakes and fake sites and all ofthis, Russia has an entire cyber army

(01:28:00):
dedicated to misinformation. And that's why, you know, the Bidens contended that
the laptop and all of that wasa Russian hoax. Because of that,
of course it wasn't a Russian hoax. But there are they're saying that there
are thousands of fake news sites thatoutnumber real ones. I'd like to see

(01:28:26):
a fake one. I don't knowif I've ever seen one. I've seen
them, you know, like I'veseen them that catered to one or the
other, you know, Fox andCNN, and I've seen a lot of
I've seen crazy stuff, like what'sthe guy's name, Alex Jones's sites,
but I've not seen I mean that, I guess people could call that fake,
but it's opinion. I mean,it's more of an opinion. You

(01:28:48):
want a little fun. Tom.On one of the other shows that I
work on, we occasionally do asegment called real or fake headlines. Oh
yeah, yeah, yeah, yeah, I've heard of that before. I
mean a lot of people and reallythough I've never I don't know if I
know a fake website. Now youknow it. I've seen some part what

(01:29:09):
are they parodies or satirical? Rememberthe Onion? Is that still? I
love that? God? That wasgreat. It's still on there right?
What is it the Onion dot com? Or what Onion? And Babylon B
as well Babylon b Okay. Anyway, So folks, if you have a
problem question play give us a call. We also have our insurance coming our

(01:29:29):
insurance on Compass Insurance Group and wewill be talking about some of the insurance
comparisons and how they're done and whatresults. But they have any three h
three nine nine six nine thousand isCompass. If you call there and asked
for an insurance checkup, you willget one and then earlier in the show,
I did, I had a complaint, I said. This guy said
he hadn't been called back yet andthey were waiting for additional information on a

(01:29:56):
teenage driver. Remember when you havea teenage driver in your home, you
can't ignore the teenage driver. Theymake you deal with it. Okay,
that's really important anyway. So I'mTom Martino three oh three seven one three
talks seven to one three eight twofive five and for sure. If you
want an honest assessment of your airconditioning or a replacement unit, you can

(01:30:19):
get honesty and integrity from eight eighteight heating dot com and great prices three
oh three seven seven zero two sevenseven six. Go with a sure thing
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're

(01:30:41):
content. Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find
out now three oh three seven sevento one help. You'll think you're his
only customer when you choose Frank durandthe real estate Man dot dot to list
your home with Remax Alliance three allthree nine two zero sixteen twenty two Tom

(01:31:11):
Martino Your Troubleshooter three all three sevenone three talk seven one three eight two
five five. Okay, so wehave some interesting stuff going on here.
What about this? When it whenit comes to colleges, More and more

(01:31:33):
kids are going to trade schools rightnow. In fact, there is a
giant increase in enrollment for young peoplegoing directly from high school into trade schools
for electrical HVAC, plumbing, andconstruction, and the average graduate from these

(01:32:00):
schools make five times more than collegegraduates. Think about this, I mean,
really no, I believe it.But for some reason parents are reluctant
to send their kids straight to atrade school. Do they feel there's a
shame in it, or it's notdignified or what. I love this article

(01:32:29):
I saw on repurposing technology because onething that pisses me off is waste.
And have you ever looked to buya cell phone? And when you do,
you wonder what the old one isworth. It's worth nothing, You
hardly get anything, it's not evenworth it, and to sell them.

(01:32:51):
But I saw this article and Ithought it was pretty ingenious. You can
use, of course, an oldcell phone or an old iPad on Wi
Fi you don't need yeah, andno one will stop you from ever using
it. And you can use themas cams literally mount them. They sell

(01:33:15):
mounts and you can mount them asa permanent Wi Fi cam or a webcam.
You can use them as a universalremote. There are apps you can
download, load it up and justleave it. It will be your remote.
I know, I don't know whatyou guys think, but I mean,
I guess I knew the technology exists, but I just thought, well,

(01:33:35):
you use your existing phone, right. I love the idea that you
take an old phone that's a pieceof crap instead of just throwing it out
or throwing it in a drawer,you can use it. So it's really
a cool idea. A security cam. How about the dashcam? Tom?
You know what? I actually don'tknow that, but why well no,

(01:33:56):
because you need Wi Fi, youneed Wi Fi. They're not going to
work, is the whole idea isyou're not going to have a cellular carrier
if you buy a new phone,so you'd have to keep it activated as
a cell phone would defeat the purpose. I guess you could hotspot out to
your cell phone and do a badthat I don't think that's the original.
And then some people use it intheir kitchen as a kitchen helper for internet

(01:34:19):
for you know, for Amazon,for ordering, for inventory control for you
know, things like recipes and stufflike that. And another thing is scores,
games and videos, ebooks, ane book reader dedicated to that.
You know, you just get anebook app and that's it. Or a

(01:34:40):
noise maker or an alarm clock.It can be an alarm clock. It
can be used to do along withan alarm clock. You can play sleep
sounds, white noise, you cando video conferencing, use it just for
that so you don't have to tieup your phone anyway. Those are kind
of cool. I really think thatis one of the more useful articles because

(01:35:04):
I really have old technology sitting aroundand I guess there's no reason in the
world you can utilize them. Ijust think to me, it's way better
than throwing this crap out, waybetter. And uh anyway, so we
have some insurance questions for Brian.By the way, you can text us

(01:35:26):
and I'm going to give you thatnumber. You can text me out again.
I'm giving out this Google number.Write it down during the show.
You can always text me here itis seven four seven nine fifty two eighty.
So seven forty seven fifty two eighty. Somebody wants to know I was
assaulted at work? What type ofattorney do I use? And will my

(01:35:49):
insurance help cover that? First ofall, tell me about that kind of
stuff. They don't defend you.They write, it's only for when you
have perpetrated something. Right, Well, it's if you are being sued.
So yeah, if you're if you'rethe one being sued, but it's not
compared in your insurance. But yeah, you don't use your insurance to help

(01:36:10):
pay for a defense or an offenseagainst somebody else, right, and so
if you know, so, ifyou're assaulted at work, you can you
can call a personal injury attorney.You can probably call John Fuller receive you're
covered. He'd gladly talk to youabout that. That is a personal injury
attorney for any personal injury. Now, some personal injury attorneys will do only

(01:36:31):
auto accidents. Some want to doyou know, malpractice. Some have specialized
in different areas, but certainly JohnFuller Fuller Law can answer questions about it,
to see if you have a case, and maybe even take it if
you're assaulted at work. Now theuh okay, the other Let's see what

(01:36:53):
else we have. Okay, youknow I is United. Okay. This
person says, they believe that you. Uned Airlines is responsible, and I'll
explain the problem for that bag onceit was taken off the luggage carousel.
I don't understand why. Okay.This is a woman who was traveling and

(01:37:16):
her bag arrived in Denver. Shesaw it go on the luggage carousel.
She wasn't sure if it was hers. She had two of them, two
black bags. She saw a guypick up that one bag and take off.
As it turns out from facial recognition, they found out this guy was

(01:37:39):
someone with plenty of warrants out anda criminal record. It turns out only
one of her bags showed up,the other one he had taken. She
was saying that United Airlines is responsibleto her, I don't see how they
can be. They delivered the bag, then some thief took it, and

(01:38:00):
she said, well, there shouldbe a system to keep that from happening.
But there isn't a system, notby the airline, not by the
airport, not by any airline.So United did nothing different than any other
airline period. They did nothing different, So how can they be negligent?

(01:38:21):
Is it? The question would bewhen is it no longer in their care
custody and control? Is the personthat's texting you, they're thinking that it's
still in their care custody in controlsaid, I don't get it. United
Airlines is responsible for that bag oncethey took it off the luggage carousel.
My opinion, you were wrong.I mean, of course they're not responsible.

(01:38:45):
It says, it's then he goeson or she goes on. It's
a carousel. You let the luggagego around, you let the person grab
it. United took it off thecarousel. No, they didn't. United
didn't take it off the carousel.She saidought she saw somebody take it off
the gas that's what I like,the thief or whatever. Yeah, maybe

(01:39:06):
this guy misunderstood. I don't thinkI think that they did not. I
think that they did not take itoff the carousel anyway. Three O three
seven one three talk seven one threeeight two five five is our number.
And another insurance question on my renter'sinsurance. What am I obligated to have

(01:39:29):
when I'm the landlord? When you'rethe landlord, yeah, and you own
a property you're renting out. Yeah, well, the only thing you're covering
at that point is that is theactual structure you're building that you own,
and liability, of course, Butusually landlords are requiring their tenants to carry
renters insurance. Okay, Now,if I chose on a homeowner's not to

(01:39:53):
carry contents, that wouldn't save youhardly anything. Right, Well, like
I I probably can't even do it. Like on a home owner policy,
it's built in, it's automatic.Now, you could go to a dwelling
fire policy if a carrier will letyou do an owner occupied and you can
choose your level of personal property orput no personal property. But a lot

(01:40:13):
of times dwelling fire policies aren't lessexpensive than a home owner policy. So
I don't I just don't think itwill benefit you in that way. And
I'm going to talk about cafeteria styleinsurance if that'll ever come to be.
Because things are getting so expensive,something's got to happen. I don't know
what it's going to be, butsomething in the insurance industry has to break

(01:40:35):
or or reorganize or something. Threeoh three seven, one three eight two
five five go with a sure thingDenver's Best roofer Excel Roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance check up

(01:40:58):
free, no obligation comparison call CompassInsurance paying too much your coverage at dozens
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. Hi Tom Martinohere three oh three seven one three talks

(01:41:24):
seven one three eight two five five. We have is Linda on? Okay?
I can take Linda. What's goingon? Linda? I'm having a
problem with the company that installed anair conditioning unit. What is the problem,
Linda, Well, it's kind ofa long story. I'll try and

(01:41:47):
make it sure. Yeah. Firstof all, the company came and did
a special thirty nine dollars cleaning thing, which was good. Is that fix
it? Yes? It is?Okay, Well they have the thirty nine
dollars special. Listen, I don'tmind mentioning names. I want to hear
the issue. Go ahead, Well, yeah, I had them do that.

(01:42:08):
And then they wanted to give mean estimate on a new air conditioner
because mine was really old, andthey told me it would be sixteen hundred
dollars worth of repairs. Plus theyalso said that you can't get three on
anymore, which I found not tobe true. Well, it's expensive,
I mean, it's being phased out, but I understand keep going. Yeah,

(01:42:30):
I guess I knew that too.Anyway, they came the very next
day and showed me all this paperworkand apples to apples guarantee and all kind
of discussion, and it was ona little iPad. Well, I mistickingly
read it as three thousand, fivehundred for the air conditioner. And it

(01:42:53):
turns out when they sent me thenext day when they were installing it,
an email that stated the price thirteenthousand, five hundred dollars. They also
initially said it was a good month. I priced that and I did a
lot of research. Let me letme ask you something about your airc air
conditioning. How old is your furnace? Six years old? And they were

(01:43:17):
going to keep your furnace and justdo the AC right, And how old
was your AC? It's at leastI've had it for twenty two years,
so oh okay, okay, there'sprobably no doubt you have probably wanted to
bring that up to at least thestandards of your furnace. But thirteen thousand,

(01:43:38):
five hundred and unfortunately, that couldbe high. It could be low,
depending on I mean not low,it could be high, depending on
what it was. So tell mewhat they had to do. Well,
they ended up installing something different thanI anticipated. First they said it good
money, so I priced that out. And then they said, no,
it's a Bryant, and I pricedthat when out, and you know,

(01:44:00):
did a little bit of research onthose brands, and how much did you
end up paying? You know what? I wrote them a check for thirteen
thousand, five hundreds and then thevery next day, the more research I
get talk to people who are inthe business, I stopped payment on it.
Well, of course, they wanttheir money, and I understand that.

(01:44:24):
But everybody I've spoken to, peoplein the business, professionals, have
said, that's ridiculous. It turnedout there erin as I said, here's
what I want to tell you,Linda. Okay, I'm completely open here,
and I'm going to tell you thisfix it twenty four to seven advertisers
here, but there's no there's nospecial protection for any advertiser. That price

(01:44:47):
sounds high for just an air conditioner. I don't know what the conditions are,
but I promise you I will lookinto it. But here's something else.
I would be skeptical these other companiesthat are saying that's outrageous or something.
I don't know if it is ornot. I want to know the
specs on your system. Hold on, just hang on, go with a

(01:45:08):
sure thing Denver's Best roofer Excel Roofingdot com. You don't pay a cent
until you're content. Wait time foran insurance checkup free, no obligation.
In comparison, call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three all threeseven seven to one help. You'll think

(01:45:28):
you're his only customer when you chooseFrank durand the real estate Man dot com
to list your home with Remax Alliancethree oh three nine two zero sixteen twenty
two rifted of news. You needadvice so you don't have come run anxious

(01:45:50):
ass as you can. Shooter's gonnahelp, Come man This is the Troubleshooter
Show. No Tom Martino min I'mMartino here. Welcome to the show.
Three oh three seven one three talkthree oh three seven to one, three
eight two five five. What's onyour mind today? This is the only

(01:46:13):
show of it's kind anywhere where wetalk about every day aches and pains,
the things that tick you off,the things that make you tick. I
got an email from Linda. Bythe way, Compass insurance group with us
today and Brian, give me aquick give me a quick comparison. By
the way, we do the insurancecheckup when they're on, but they do
it all the time. If youcall three h three nine ninety six,
nine thousand, what is an insurancecheckup? Well, you call and you

(01:46:35):
give your DEX page and you say, here's what I'm paying. People say,
well, they can't beat it.Sometimes, you know, I called
and they couldn't beat what I had, And I said, okay, Well
don't you like that that they're honestabout that? I mean, because if
they say they can beat it,they got to be able to beat it
and put you with a carrier thatgives you at least the same coverage or

(01:46:56):
more for a lower price, Soso I don't mind that people think I'm
disappointed. I've had a few peoplesay, well, Tom, I did
my insurance shook up and they couldn'tsave me any money. Okay, fine,
okay, that's exactly what you wantyou But maybe they can save you
money, but you can believe themanyway, Brian, I digress. What
do you find? What'd you findtoday? Yeah? And again whenever I
do this, I'm only sharing theones we're saving. There are some that

(01:47:18):
we tell them the state disclosure fifteenpercent of the time they can't. And
in this market it seems like it'seven more. It's just so hard to
companies right now. But we do. I have an interesting one that I
thought i'd share with you. Alady called up, sent us their her
deck pages and said she had homein auto insurance, and when they got

(01:47:39):
over to us, she had condoinsurance and auto insurance. No big deal.
Condo insurance meaning she doesn't have coverfor the exterior of the house.
But is it's a single family home. Oh my god, so she did.
She wasn't aware the mortgage company nevercaught that she didn't have home insurance.
If my god was damaged it wasonly covering the inside of her or

(01:48:00):
of her unit, banking on thefact that she has an HLA that covers
the exterior. She does not,So anyways, we did find her an
option that actually covers her. Ofcourse, the rate is higher than what
she's paying now, but she hascoverage. That's that's you know how it's
supposed to be now. Anyways,good A big one that I thought i'd
share here. This guy called inhad auto home and umbrella, had a

(01:48:24):
young driver is paying almost fourteen thousanddollars for auto home and umbrella a year
right now. We were able tofind him and he had actual cash value
on the roof. We got himreplacement cost on the roof auto home umbrella
for ninety seven hundred dollars. It'sa saving of almost forty three hundred dollars
a year on his auto home andumbrella insurance. So pretty big savings there.

(01:48:48):
As I look down the line here, we had someone call in from
all State had a two percent windhail deductible. Was not aware of it,
so that was that equated to atwelve thousand dollars windhil deductible. Wow.
I lowered it to one percent whichis still a six thousand dollars deductible,
but we added an umbrella and savedher four hundred and thirty three dollars.

(01:49:09):
Well, it's today, the firstof July. Today's first July.
Oh my goodness, I just realizedthat. Okay, so thank you for
that. And uh, you knowthat's what an insurance checkup is supposed to
do. Now, going back tothe to the phones, I want to
talk to Linda. Linda. Ilooked at your I don't have the contract.

(01:49:30):
I just have your original email KatchinaLinda, do you have any copy
of a contract you can send?I? Yes, I do. And
here's what I want to say topeople, cause you're not the only one
who complained about the iPad signing theiPad. And it's not just with fix
It. A lot of companies areusing an iPad. They have you use

(01:49:51):
your finger and sign it and thenpeople, now, listen, this is
for everyone, and I don't carewhat anyone says. You should never do
that unless they can print out acopy right then and there or email it
to you right then and there.It's ridiculous. In fact, I would

(01:50:12):
only do it if they email itto me and I sign it on my
device, or they can print itout immediately. I've had too many people
tell me that they've signed an iPadand didn't realize what they've signed, or
didn't have a copy of what theysigned, and when they got the copy,
they said, oh, I didn'trealize I was signing that. Now,
I am not inferring for a minute, because I know the people,

(01:50:35):
I really do. I don't thinkthey intentionally would ever alter the contract,
liar cheat. I really don't believethat about any of the major companies that
I represent. Of course I don't. I, honest to God, would
never ever believe that, and Iknow them, but I still wouldn't do
it. I would not sign aniPad if I can't get a copy immediately,

(01:51:00):
and or I would insist that it'dbe sent as a doc. You
sign of some kind to my individualunit, and then I sign it and
then I can immediately download a copy. That's what you guys do. A
compass. You always send me Idon't know of aside you sign whatever it
is, you send me something tosign on my device. Yep, absolutely,

(01:51:20):
but I use I've had people cometo my house. I don't like
it. Happens all the time.If you're going to bring an iPad to
my house, folks, you betterhave a way to get that to me
immediately. And I don't mean firstgo to your office and then then your
office sends it to me. Iwant a copy of what I just signed,
or guys, I don't know,you need to take a picture of

(01:51:42):
it with your phone or something.You need to protect yourself. Okay.
Too many people say I didn't realizewhat I signed. Too many people say
that. Now, Linda, here'swhat I want to know. You you
stop payment on the check, andI don't mind you doing that, And
that's what you did. Now,what we have to figure out is did
they do you wrong? Or isit a good unit? You know,

(01:52:03):
I need to see the specs.Okay, I don't know what size.
I don't know anything about it.And I promise you this. Send me
the specs of your unit and wewill do some price comparison. Now,
I'm going to tell you something.If it's within three or four or five
grand or no, three or fouror five, I don't know if it's
if it's in the ballpark, Iwouldn't say five grand, but it's into

(01:52:24):
the ballpark. I can't tell themto charge you less. I can't tell
them to charge you more. Butbut you said everyone told you it was
overcharged. Okay, I want toprove it. I just want to see
that because I'm going to tell yousomething. I resent companies that look at
something after the fact and say,oh, I could have saved you big

(01:52:45):
money, because I don't know ofany HVAC company at all at all that
is honest and legit and is cheap. They just don't. It doesn't happen
anymore. Okay, it doesn't happen. Now. That doesn't mean they should
overcharge you or be exorbitant. Butwhat I need to say is what you

(01:53:06):
ought for the money? Is thatreasonable? Yes? Well, what they
sent me in my email that Icould read clearly, all it says is
it has check march through the differentthings. But they install the base comfort
system and then they said the coolingsystem is three point five ton, which

(01:53:29):
I didn't expect. And what doyou mean you didn't expect it? What
does that mean? Well, whenthey first came to me and they were
talking about what they would install,it was supposed to be a Goodman three
tons unit. And after they saidthat. They said Bryant, and then
they said, then they brought afterthey've taken away the old one, they

(01:53:50):
brought a carrier unit. And it'sokay, hold on, is that what
you had install? The carrier unit? That's not what I would expecting.
And it's not writing They didn't writedown the names of the unit number anything.
Linda, Linda, listen, Yes, here's what I'm asking you.
Okay, okay, what did youget for the money? That's what I

(01:54:15):
want to know. What did youget for the money? And are you
saying that they switched you out fromyou what you expected? Yes, okay.
If they switched you from a Goodmanor a Bryant to a Carrier,
you got a superior system. Nowwhy would you care if for the same

(01:54:38):
price you got a better unit anda bigger unit. Well, when we
sat down to discuss the price,he didn't say it out loud, and
it looked like three thousand, fivehundreds. And on top of that,
he had told me, if youlet us install it tomorrow, we'll take
two thousand off the price. Well, I was planning on five thousand,

(01:54:59):
three five hundred. No, waita minute, are they saying that this
thirteen thousand, five hundred dollars unitwould have been fifteen thousand, five hundred
exactly. Okay, now listen,Linda, if you signed something that truly
said thirteen to five, I can'thelp you if you thought it said thirty

(01:55:20):
five, because there's no one.No one would have done an air conditioning
system for thirty five hundred, Noone, And if someone told you they
would, I want the name becauseI want one today. Well, the
only reason I came up with theinitially five thousand, five hundred is because
I did some research on theline.I'm asking you this. Here's what I'm

(01:55:44):
asking you. If you said yousaid it looked like thirty five hundred,
is that right on the little iPador notepad? Okay? Now, in
all of those people you checked withafterwards, did they tell you that should
have been the price about thirty fivehundred? No? All they told me

(01:56:05):
was it thirteen thousand, five hundredis outrageous. How much did they say
it should be? Well, that'sthe thing I'm looking at. Six's apples
to apples guarantee. Linda. No, that's not what i'm asking you.
I know, but I'm asking you. Did you find another company that would

(01:56:26):
do it cheaper. Well, Ibelieve I did, but who apples apples
guarantee? The people installed my airconditioner are mean my furnace six years ago,
and they've done some other things forme? And who was that?
Who is that's the Green Mountain Heatingand cooling? And what did they say
they would do the air conditioner forthe same exact carrier air conditioner. They

(01:56:49):
didn't give me a price, yetthey're supposed to. I send them all
the information. Would you have themgive you a price and let me know?
Listen, really, I think Linda, and I also want to know
what you have installed at your house. And if you do not know,
I will send someone there to lookat it. Well, yeah, I

(01:57:09):
know what kind it is, andI've got these I want to know more
than that. Here's what I wantto know. I'm not going to go
over this again. Put her onhold, get her listen, I want
I'm not dropping this. Put heron hold. Here's what I want to
make the model, the size andif that's what I want make model and
size, that's what I want toknow, okay, and and just just

(01:57:30):
let me know that's what That's allI need to know the make model in
size three three seven one three TalkRick? What is your solar question?
Rick him? Hey, see,my mom lives in California and there's a
company called I believe it's called sunRun. Yeah. I sent you an

(01:57:54):
email in Yeah, but they Okay, he's looking at getting solar and I
just was wondering what you thought aboutit. Have you heard of these guys?
Are they reputable? I mean,okay, I'm going to tell you
something. Okay, listen carefully.Most solar companies are not ittable. How

(01:58:15):
about that? I agree with that, most of them. So without even
knowing, I'm going to go lookat this paperwork, without even knowing,
I'm going to tell you there's moreof a chance they're not reputable than they
are. Okay, hold on,let me look at your email and we'll
come right back to you. I'mTom Martine. Go with a sure thing

(01:58:43):
Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkupfree, no obligation. In comparison,
call Compass insurance paying too much yourcoverage at dozens of insurance companies find out
now three all 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

(01:59:06):
home with Remax Alliance three all threenine two zero sixteen twenty two. Hi,
Tom Martino, your troubleshooter three allthree seven one three talks seven one
three eight two five five. I'mhere to help you and to answer questions.

(01:59:27):
And Rick called in about solar forhis mom, and I looked at
I did not see anything here inthe contract you sent that has a price
in there. How much is thisrick bike? It says they're not charging
to hurt anything at all except forthe one hundred and eighteen dollars a month

(01:59:51):
for the first year, and thenevery year goes up three point five percent.
That's what she pays for. Howlong out it does have a battery?
Well, I'm well, she's she'seighty one, so I guess Well,
I'm not asking how old she is, I'm asking how old? How
long is the contract? I don'tknow that, Tom. Well, what

(02:00:14):
happens? Okay, let's see youinherit this house. Most likely you will
right? Most likely? Yes?Okay, so you inherit the house and
you have a solar system and youhave another twenty years to pay on it.
Let's say, what do you do? Well? Kind of what?
I was just glancing through it?The reason why I called you that I

(02:00:36):
know you know well, I'm gladyou were glancing through it. I tried
to glance through it. And there'snothing here to glance through. It's all
I have is says that. Itsays you can't transfer it. You can't,
you can't. You can't transfer it. She can't do anything with it.
The sun Run owns the system,so they'll just take it back,
they'll just support. I mean,that's where does this say that? I

(02:00:58):
don't have your contract? So youdid and send me what you think you
sent me. I sent you thewhole email I got and had an attachment
to it, and you click onthe attachment. I clicked on it,
and all I have I don't.It's a forty seven page document and all
I have is one, two,three, four pages so and most of

(02:01:20):
those are just her name and addressand all that. No price is nothing,
there's no conditions, there's nothing here. I mean, I know that
you're looking at something, but notme. I mean, I have a
general disclosure and all of that.But it talks about changing your mind.
It doesn't talk about anything to dowith how long it is, what happens

(02:01:41):
if you want to sell the house, how much. I mean, it
doesn't say they're going to take actnothing. I don't see any of that,
So I can't help you. Imean, you're telling me they're going
to take it back, like,so you mean to tell me you can
say, then why not take itback now? Yeah, so you're telling

(02:02:04):
me. I'm only going by whatyou're reading. So I'm trying to get
your your take on it. So, so tell me your mom wants to
cancel. Yes, well, shehasn't signed nothing yet, and you know
she had she was Wait a minute, Wait a minute, Wait a minute,
wait a minute, she hasn't signedanything yet. Her signatures all over
this. Yeah, what are youlooking? It's even timestamped on the date

(02:02:29):
in time she signed. It isher name, Marge. Yes, what
are you looking at? I'm lookingat a signature page with with an idea
a digital ID on it, aDOCU sign a DOCU signed document with her

(02:02:51):
signature, the IP address, theI D number, the date and the
time she's she's on the hook here, bro, what was the date on
you? Is she within her fivedays? She signed it on June twenty

(02:03:13):
first, Oh, yeah, she'swithin She's way past her five days for
sure. What five days? Thefive days of the right of your sin?
Because she signed it in her homeand even said it on the contract
that yet, but she had fivedays to do right today? Well,
the federal laws three days. Idon't know where the five days came from,
but I will say this, Iokay, I don't see that either

(02:03:38):
because I can't see the documents.So what you thought you sent me?
You didn't. But here's the thing, man, she's got a problem.
No, she doesn't, not really. But she's going to pay one hundred
and eighteen dollars. That's not theend of the world. But she still
has to pay her electricity or dothey say it's going to handle all of
her electrical needs. No, she'llstill have a little bit of electricity bills.

(02:04:02):
What is what I'm assuming? Whyare you assuming? Well, if
her house isn't big enough, herroof isn't big enough to have as many
panels as she needs to power thewhole house, then she's gone. Well,
they already sold it. To her. They already sold her what she's
going to get. It's not ifher roof is big enough. It's it's

(02:04:25):
right here. I mean it saysthe kilowatts or something. I saw that
somewhere. So is it a bigenough kilowatt system? I mean, how
old your mom? Eighty one?Does she have her wits about her?
Oh? Yeah, she's on.She's on. She'll outlive us almost likely.

(02:04:47):
She should have never signed this.So what she has here's what she
bought, A five five hundred andeighteen Kilowa system, okay, and a
battery backup. And it's guaranteed fortwenty five years supposedly, And it's one

(02:05:14):
hundred and eighteen dollars a month.It's three point five percent annual payment escalator
with no deposit due. But itsays here the total cost is one hundred
and eighteen dollars escalating three point fivepercent a year. This is on a
brochure. This is not part ofa contract. And it says here a

(02:05:39):
five day right to cancel. Isee that where you're seeing that now,
and it says this is our agreement. Okay, So now I'm looking at
something that says it's the agreement it'snot. It could have been the one
she signed, okay, and itsays it says, it says we'll produce
approximately five five hundred kilowatts, whichmeans it'll produce a hundred and fifteen percent

(02:06:00):
of your current use. So they'resaying she won't have an electric bill.
Listen, do you know what shepays for electricity now? A year a
month? Well, and I thinkone of the reasons why she wanted to
go with the solar is because SouthernCalifornia Edison next year is going to raise

(02:06:21):
everything sixty percent. But how muchis she paying now? Do you know?
I think she doesn't. She triesnot to run her air creshing her
or her here all year around,and I think she pays right around I
think a couple hundred bucks a month, Okay, So she's gonna save a

(02:06:41):
few bucks. It'll never pay foritself in her lifetime or in yours.
So the system is twenty five years, twenty five years, you have to
pay now. If it truly trulycan produce electricity for twenty five years,

(02:07:04):
and the escalator is three point fivepercent, she will save very little on
electricity, but she'll save some.But it try to sell the house man.
You got to get somebody to inheritthis too. I'm telling you that

(02:07:25):
it's not a good deal. Okay, Well that's what. That's what.
That's the reason why I called.I mean, I wish it was.
It's not a good deal, andthey have terrible ratings, by the way,
terrible. I'm so sorry your momdidn't call you first, you know,
right, I don't know that.Yeah, I'm sorry, And there's

(02:07:45):
really nothing new. I don't knowwhat the hell you can do about it.
I mean, there are some optionsin here. I don't know.
If I were you, i'd getan attorney to look at it and see
if there's an out. It's she'seighty one years old. She should have
never signed this. It'll never payfor it. I don't even know what

(02:08:09):
she was thinking. What difference doesit make of electricity goes up? She'll
never ever make up for it.Ever, What was she thinking? You
know? I mean, I feelbad for her. I'm not trying to
give you a hard time into it. I'm sure. Yeah, of course
they suck, they really suck.So I'm sorry that this happened to you.

(02:08:31):
If she can get out of it, I mean you ought to talk
and talk to the solar people directly. It's in California. I don't know
what you can do, but Iwould have somebody look at that contract to
see if there's an out for her. If not, then she's stuck with
it, and so are you.I mean, you're more stuck with it
than she is. It's a twentyfive year contract. I'm tell Martina,

(02:08:54):
we have more coming up. Gowith a sure thing Denver's Best roofer Excel
Roofing dot com. You don't paya cent until you're content. Time for
an insurance checkup free no obligation comparisoncall Compass Insurance paying too much your coverage

(02:09:16):
at dozens of insurance companies find outnow three oh three seven seven to one
help. You'll think you're his onlycustomer when you choose Frank durand the real
estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. HiTom Martino here, Welcome to this show.

(02:09:41):
Three oh three seven one three talkthree oh three seven one three eight
two five five. Now, speakingof insurance, somebody wants to know what
does homeowners insurance add or what whatdo solar systems add to your homeowners If
anything, it's that's just part ofyour dwelling limits. So you just have

(02:10:01):
to make sure that whoever you're talkingto knows about it so that when they're
doing they don't surcharge you because ofthe roof stuff. No, it's a
replacement, but when they're running thereplacement cost estimate, they have to account
for the actual solar panels, andso the dwelling limit that they're going to
use is going to be higher becausethe solar system is part of that dwelling.

(02:10:24):
Okay, that is interesting, Sookay, So in other words,
it's not going to be that much, is what you're saying. No,
because you know, to go fromsix hundred to six hundred and fifty thousand
isn't a huge difference in premium.Okay. And as far as solar,
Brian asked me some stuff off theair that I think we really need to

(02:10:45):
explore. What were your question Brianfor every because it's a good question.
Your questions were good about solar.I was it's Brooke coming on by the
way, Oh she's there, Goahead, what's your question? We'll bring
Brook up to Brooke. Yeah,yeah, no, I was just trying
to figure out, you know whenwhen they were trying to calculate how much
one hundred and ten percent of herusage right now? Is that a good

(02:11:05):
figure to account for. If you'rescrimping on electric now and it's not a
true usage, it's not good.But Brook, this is what I said
to Brian off the air. Hesaid, Tom, what will this solar
do for me? Like when ratesgo up? And I said, that's
the system will become more valuable ifyou do it properly. What I said

(02:11:26):
was, if you get a systeminstalled properly that truly can handle all of
your electrical needs, your electrical needsdon't increase when the prices go up.
It just gets more expensive. Butyou're that's your solar system doesn't know how
much you're spending for electricity. Allit matters is it will generate your electricity.

(02:11:50):
And I said, if you've gota battery backup system, you can
use that with smart metering to usebatteries at the most expensive times of the
day and maybe sometimes even switch backto the power company or use as much
as you can from your solar andsell back. I mean, but a
computer would would control all that isthat true or not. Yeah, that's

(02:12:15):
definitely true. So the way thatsolar works is is that your panel feed
into your electrical box to your mainpanel. So anything actively running in your
home gets powered by the solar andthen the excess goes out to the grid.
And so at night, when obviouslythe sun's not out, that's when
you start pulling power from the grid. And what's called a net meter determines

(02:12:37):
the difference. So whatever your annualusage is, as long as it remains
about the same, I mean usuallypeople fluctuate about five percent year between each
year. But as long as theusage remains the same, your solar system
will completely eliminate your electric bill,minus your connection fee and maybe your demand
charge, depending on the utility companyyou're working with. If you're in Excel

(02:13:01):
Territory or Black Hills Territory, thenactually all of your fees are eliminated because
it's a public company. Now,this woman, excuse me, this guy
his mom eighty one years old inCalifornia signed up with I have the company
written down and I want to makeIt's called sun Run. What do you

(02:13:24):
know about Sun Run? So?Sun Runs a nationwide company. They're the
folks that if you get asked aboutsolar and Costco, that's who they work
with as far as how solar works. Though in California, I would be
very wary because their net metering lawsjust updated, so you're only getting about

(02:13:50):
five cents on the dollar for anythingyour solar system's producing. I would highly
recommend that they look into that toensure they're getting exactly what the sun Run
representative told them they were. Shebought a five hundred kilowatt system. Is
that big? No, that's prettyaverage for one, I'm assuming if it's
like a one or two person ina household, that's pretty normal. But

(02:14:13):
what I'm saying is that even ifit's producing as much power as she's using,
she's only getting five percent credit onher net metering. So she's only
getting five percent of her bill removed. What wait a minute, what if
it produces but can't she use theelectricity directly from the system? Yeah?

(02:14:35):
Yeah, just like what I wassaying. So let's make it kind of
easy numbers. So, if yoursolar system produces one hundred thousand kilowat hours
in a year, your house isprobably going to use about two to three
thousand before the other seven goes outto the grid. So it'll definitely reduce
her electric bill on that front becauseit's using it first. But then anything
excess is up to the net meteringagreement. So here in Colorado our net

(02:14:58):
metering at one hundred percent, meaningthe utility company has to give you full
retail value for anything that you sendit. But in California, Nevada,
Arizona, it's not at one hundredpercent, And in California right now it's
five cents on the dollar. Now, why would California do that. That's
supposed to be one of the greenieststates in the world. You would think

(02:15:20):
they were to reward people for solar. They did, they used to,
but now so many folks went solarthat PG and ease grid cannot handle it.
So they have brownouts and blackouts becauseof the third of electric power between
one pm and seven pm that thesolar systems sending to their grid, and
they don't know how to handle itappropriately yet. In other words, they're

(02:15:41):
getting too much power from solar systems. So instead of rewarding people for going
solar and spreading that power around,they're actually reducing the reimbursement rate. Yes,
So anybody going solar right now inCalifornia, if they do not have
batteries cistern in their system quote unquoteoff read, then they're actually boozing money

(02:16:01):
and it's a bad Do you knowsomething, Gavin Newsom not only I mean,
I swear to God I want Bideninstead of Gavin Newsom. If he's
going to be the replacement, whata what a moron? I mean,
he's doing exactly the opposite of whatyou think he would do, being such
a progressive weirdo. Go ahead,I'm sorry, right not, young Brook,

(02:16:22):
I have a question for you.So, what how do you protect
yourself from Colorado changing law? Canyou? I mean you're saying they give
one hundred percent. Now, whathappens if someone signs up and then two
years down the road the same thingis happening here and they cut it down
to five percent. Yeah. Absolutely, So the interconnection agreement, which means
that it's a contract between the homeownerand the utility company, have to be

(02:16:46):
for twenty years in the state ofColorado. So even if that changed in
two years, those folks would stillbe protected for the full twenty years.
Okay, And then Colorado's got somepretty good laws for us. It was
amazing for Solar in that sense.They don't incentivize, like no tax break
for folks in Colorado to go solar, but they do make the utility give

(02:17:09):
you retail value, which I feellike is a great compromise. All right,
hold on a second. I wantto come back with a little more.
I have a couple other questions foryou. We have more coming right
up. Go with a sure thingDenver's Best Roofer Excel Roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance checkup free

(02:17:30):
no obligation comparison call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three all threeseven to 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. Hi, Tom Martino, Here a brook White from Rocks roof

(02:18:00):
and Solar. I want to bringher back up and ask a quick question
here. So basically, her dealis no money down one hundred and eighteen
dollars a month, escalating three pointfive percent a year for twenty five years.
Now. I haven't done future valuecalculations on that, but I don't
know. I mean, what doyou think about systems like that where you
pay a flat rate, Well,it's not a flat rate, but it's

(02:18:22):
an escalating rate for twenty five years. Have you heard of them? I'm
I apologize. So she's got onehundred and eighteen dollars a month that she's
paying for the solar system. Yeah, and it's escalating by three point five
percent a year. I mean Icould, I could probably do the math
real quick. Go ahead, inthe in the loan documents, does that

(02:18:46):
have anything about her federal past creditbeing brought? They get all of that,
they get. All she does iszero down one hundred and eighteen dollars
a month, and we're running outof time. I'd actually like to get
you back on to talk about this. If you can look into it,
I'll send you the documents. Broke. How's that? Yeah, if you
can done this to me, justbecause it is somehow percent of the whole

(02:19:09):
thing is put into it, thatmakes a huge difference. So that anyone
hold on and I will send themto you. I'll send him to you.
I'm Tom Martinez Rehmert Compass Insurance Groupthree zero three nine nine six nine
thousand, and save all your problemsfor me.