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October 8, 2024 135 mins
Mark as Played
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Episode Transcript

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Speaker 1 (00:05):
Ripped up.

Speaker 2 (00:07):
News.

Speaker 1 (00:08):
You need advice, who you don't have? Come running to
sustass as we can. Shooter's gonna help coming man, This is.

Speaker 3 (00:20):
The Troubleshooter Show. No Tom Martinez, you know here.

Speaker 4 (00:26):
Welcome to the show. Three oh three seven one three
talks seven one three eight two five five. We have
uh calls out the nose. We're gonna go right to
the phone. Today is insurance. They have Brian Burns from
Compass Insurance. We'll be talking about insurance, the smart things
to do, the stupid things to do, what people are
running into. Also, you know what to do with adults

(00:49):
living in your home, what to do with children living
in your home, what to do with new the with
the condos and town homes. We got so much on
the on the forefront here with insurance. And I believe
I'm going to get Mark ups soon here on video.
But I believe he's in the studio. Mark are you there? Yeah, yeah, gosh, okay,
just time in. I'll send you that link in a minute.

Speaker 5 (01:09):
Here.

Speaker 4 (01:10):
I got behind. I'm sorry, April, April, what is going
on with you? Let's start right out with you. April. Hello, Hey,
what's happening?

Speaker 6 (01:23):
Oh well, we have a situation with a vehicle that
I have a son that is now seventeen, almost eighteen,
will be. He's in college right now doing the aviation
program at Metro.

Speaker 4 (01:36):
Oh cool.

Speaker 6 (01:37):
This has been a two year battle that we don't like.

Speaker 4 (01:41):
Now, is it your son's car?

Speaker 5 (01:44):
It is?

Speaker 4 (01:45):
Okay? What kind of car?

Speaker 6 (01:48):
Well, it was a nineteen sixty five Carmen Ghia that
his dad helped him to purchase two years ago.

Speaker 4 (01:54):
I had one of those. I had one of those.
I love. Oh my god. It was orange, by the way,
they of them were orange in that time. So what happened?

Speaker 6 (02:02):
Yeah, So we we purchased it knowing it was going
to need work obviously a vehicle of that age.

Speaker 4 (02:09):
How long ago?

Speaker 6 (02:11):
Two over two years ago?

Speaker 4 (02:12):
Now, okay, and you were going to restore it?

Speaker 7 (02:16):
Correct?

Speaker 5 (02:17):
Correct?

Speaker 4 (02:17):
Okay?

Speaker 6 (02:18):
So we went to this shop they were recommended. I
think my ex husband is actually kind of the one
that did this. So I don't know how we ended
up specifically at this shop, but they had promised all
of this work to it.

Speaker 4 (02:32):
What shop did you take it to?

Speaker 6 (02:34):
Took a automotive in north wind and you don't know
how they found it?

Speaker 4 (02:38):
Okay, Advanced automotive and what happened.

Speaker 6 (02:43):
They had told us that it needed a full engine
swap because of the age of it, and likely a
body swap that they were going to have to put
it on.

Speaker 4 (02:52):
Then what did you there's nothing left of the car.
They bought a frame. Wait wait wait, seriously, they needed
to swap the body and the motor.

Speaker 8 (03:04):
That's the whole car.

Speaker 6 (03:06):
Well, the body needed to the body needed to go
on a different frame. From my understanding, I'm not the
most mechanically inclined I like I said, my ex husband
is the one that kind of set this up. But
they agreed to the work so that the car was
purchased for around six thousand as is, and then we
have paid this shop over ten thousand in the last

(03:26):
two years with promises.

Speaker 4 (03:29):
Wait wait wait you spent how much you spent? How much?

Speaker 6 (03:33):
The original purchase of the car was about six thousand, right,
and then the stop has been paid around ten thousand for.

Speaker 4 (03:41):
Wait wait wait wait, ken, you're sixteen thousand dollars in
a sixty five carman Gia. Yes, that's now. Have they done? Wait?
Have they done? Have they done any work?

Speaker 6 (03:55):
The engine slop was complete, but then when they got
the engine slopped done. They said they decided against the
new frame they were going to put it on.

Speaker 9 (04:03):
But now it.

Speaker 6 (04:04):
Supposedly has rhast problem. There's a whole list of new
problems that they've now come up with, saying that it
needs an excess.

Speaker 4 (04:11):
Of Okay, is your husband, is your ex around that
we can talk to or your son?

Speaker 6 (04:18):
Us?

Speaker 10 (04:18):
My son?

Speaker 6 (04:19):
Yes, I'm driving right now, but I can get both
of them. I can try to get them on the phone.

Speaker 4 (04:24):
All right, because really we'll try to help you, We
really will.

Speaker 8 (04:26):
We have our.

Speaker 4 (04:27):
Deputies listening right now, but I'm going to put you
on hold because we truly do need to know more
about this. Okay, Now do you feel let me just
ask you some gut questions. Do you think advanced automotive
is trying to cheat you?

Speaker 6 (04:42):
Well, we're not sure. First, my son, he was in
high school at the time. He gets straight a's, he's
a good student. He worked two jobs to try to
fund this fix of this car that was kind of
his little dream fix up car because he wanted something
as a young kid, unusual, and you know, he excited
about finding this cop that was going to stand out

(05:02):
from your typical Honda that a sixteen year old kid
would drive, and he worked his butt off while still
pulling great grades, paying his own money, working at Taco Bell.

Speaker 5 (05:12):
To do this, So, okay.

Speaker 6 (05:15):
Drug out for two years is problematic enough.

Speaker 4 (05:18):
But then well, well that's not unusual for this kind
of a project.

Speaker 6 (05:23):
Yeah. So we get to the point that it's supposed
to be done, and now they're saying it needs about
fifty thousand dollars more of work.

Speaker 4 (05:29):
Wait, wait, you're not saying fifty as in five to
Oh oh no, I am okay, wait a minute. Who
are you working with.

Speaker 9 (05:37):
That advanced I'm the owner.

Speaker 6 (05:40):
Alex Kuba Suck or something like that is his name.

Speaker 4 (05:44):
Yeah, and I'm not assuming. I'm not assuming he's doing
anything wrong. I don't have any I mean basically, you
bought a car and you're replacing everyone for fifty grand.
I mean, my god, almighty. You buy a brand new car.
You all know that, right, You can buy a Tesla.

Speaker 6 (06:01):
Oh yeah, yeah, that's why when it came back with
you know, the original ten thousand, we figure in older car.
It's an investment. You know, you're going to spend the money.

Speaker 4 (06:09):
You might be able to sell what you have and
at least recoup some of the money. Obviously, what is
your son an ex inclined to do right now? Do
you know?

Speaker 6 (06:20):
Well, so what they have offered us, and this is
where it takes another weird turn. What they have offered.
They've admitted now that they spit off more than they
can chew.

Speaker 9 (06:28):
The scope is out of their work.

Speaker 6 (06:30):
And so this fifty thousand they're wanting us to spend,
they would be sending it to a Volkswagen specialist.

Speaker 4 (06:36):
For fifty Come on, this is did no? Come on? Did? Okay?
Am I hearing this right? I'm almost feeling like I'm
in the Twilight Zone. I swear to God, there's something
wrong here. There really is something totally wrong, totally wrong. Yeah,
what I'm hearing is I mean, come on, it's just

(06:56):
too crazy. I mean, fifty thousand? Do they think that
you're crazy? All right? I want to talk to your son. Okay,
let's hold on three h three seven or three talk
Just wait, KITCHENA get a hold of get Maybe Mark

(07:17):
can call the sun off the ear. I don't know, Mark,
Is this the craziest story we've heard now for restoration?
Yet here's something wrong with it?

Speaker 5 (07:26):
Man?

Speaker 1 (07:27):
Yeah?

Speaker 4 (07:28):
Okay, David's turn, David, what's going on? David?

Speaker 9 (07:34):
Hi, David, what's happening in a parking scam?

Speaker 5 (07:37):
Uh?

Speaker 4 (07:37):
What do you? What do you mean by a parking
were you let me ask you this? Were you toad?

Speaker 11 (07:43):
No?

Speaker 10 (07:43):
I was not.

Speaker 4 (07:44):
Okay, tell me about it then go ahead?

Speaker 8 (07:47):
Okay.

Speaker 9 (07:48):
Several weeks back, I went to a restaurant on South
Colorado Boulevard with a friend of mine. We sat there
and talked for just a shade over three hours.

Speaker 4 (07:55):
Which restaurant it was?

Speaker 9 (07:58):
Actually the Kava Restaurant in South Colorado, got it and
we left. We thought no more of it. Just yesterday
I got a bill in the mail from a parking
company they're called Parking Revenue Recovery Services, for eighty two
dollars for parking in the parking lot of that restaurant.

(08:21):
The problem is when we drove in there was no gate.
Saying you know there was no gate? We didn't.

Speaker 4 (08:26):
Well, first of all, is it parking for the restaurant
or not?

Speaker 10 (08:32):
Yes, it is.

Speaker 4 (08:33):
What's the restaurant called again, Kava?

Speaker 9 (08:36):
Tava?

Speaker 4 (08:37):
How do you spell it?

Speaker 11 (08:39):
C a va?

Speaker 4 (08:42):
Okaykava? Now you got a ticket, You got a ticket
for parking there. Now, now what I want to know
is this was it? It was the designated parking for
the restaurant, right, yes it was. And I don't get
this part. Why did you get a ticket for it?

(09:04):
I don't get it. Were you supposed to put money somewhere?
What were you supposed to do to not get a ticket?

Speaker 11 (09:12):
You were not?

Speaker 9 (09:13):
There was nowhere to put money. It turns out there
was a QR code you could scan to pay electronically.

Speaker 4 (09:19):
Okay, Now, I've seen that before, where there's a little
sign on the pole that says scan this blah blah blah.
I've done this before, and Cherry created the same thing
where yep, yep. Now are you claiming are you wait? Wait,
are you claiming there is absolutely no way to pay?
And they do this to everyone.

Speaker 9 (09:38):
No, there is a way to pay. I'm claiming the
sign is so small that you're okay, aware.

Speaker 11 (09:43):
That you have got it?

Speaker 4 (09:44):
Okay, got it? Now. I don't think it's a scam.
I think it's a scam. I don't think think. I
think it kind of is. It's weird. Now here's what
I want to know. First of all, let me explain
a few things to you. Okay, this is nothing more
than a collection notice from a private entity in order

(10:05):
for you for them to collect a dime from you.
They can't do anything to your license. They can't do
anything to your car. They can't do anything. It is
a private collection notice. I used to own parking lots
and we would put up a notice. It looks a
lot like a ticket. It's a private thing. They'd have
to take you to court and get a judgment where

(10:27):
you can tell your story and tell them to go
shove it. Until then you can do that. They can't
do anything to you. It's private, Okay, I mean, does
that make sense? So I'm not telling you not to
pay it. I'm telling you that if you feel it
was not right, then you write them a letter saying

(10:48):
you had no idea. You'd be happy to pay for
what would have been the parking. You might do that,
or you might ignore it altogether. Do they have a
picture of your car in the lot?

Speaker 9 (11:00):
They have a picture of my car entering and leaving
the lot.

Speaker 4 (11:02):
Okay, good? And what I would say now now, did
you go back to the lot to see the QR code? Yes?

Speaker 9 (11:11):
I did?

Speaker 4 (11:12):
And and are you looking at it mark on Google Maps?
If I know you. I I'm trying to find this Kava.
I just Brian, did you look at it? Brian Burns
here with compass and church? Were you looking at it? Brian?
Did you? Did you find it? Dmitri? Did you see
the sign anywhere?

Speaker 12 (11:31):
Just found their website and their address and I haven't
been able to get an image of the of the street.

Speaker 4 (11:37):
All right, so tell me about the sign. How big
is it? All?

Speaker 13 (11:39):
I see there is a five guys, a Zoe's Kitchen
and red Wing. Is this the same place or what?

Speaker 9 (11:48):
No, it's not. It's almost directly across the street from
Dave and Busters.

Speaker 13 (11:53):
Yeah, okay, Oh wait, is it the parking garage by
Dave and Busters?

Speaker 9 (12:00):
A parking garage? It's a parking lot. It's the parking
lot of a strip mall. This is in a strip mall,
and it's just the normal parking lot of a strip mall.

Speaker 8 (12:07):
Is there a natural Grocer's there?

Speaker 9 (12:11):
I think there is?

Speaker 4 (12:11):
Yeah? Okay?

Speaker 12 (12:12):
Are you ninth in Colorado?

Speaker 9 (12:17):
No, it's actually about twentieth in Colorado. It's on the
west side of Colorado at about twentieth Oh sorry, two
zero something something. It's South Colorado. It's twenty blocks South Colorado.

Speaker 13 (12:29):
Well, I see, I see signs in this parking lot.
And it's not just one. I see quite a few
of them. What I don't understand is it says it
looks like most of them are it's just for patrons.
In other words, if you're there shopping, you should be
able to park there.

Speaker 8 (12:44):
So I don't get it.

Speaker 4 (12:45):
Just look at man. Here's what I would do. I
would take my if you feel confident about your argument.
What by the way, there is no requirement for the
size of sign except for the towing sign. There's a
requirement for that side eyes. What I would do is
is that that's the law that would probably apply, because
they probably tell you you're subject to towing. Probably. But what

(13:09):
you should do is do what I said, offer and
then tell them to stick it unless you may lose.
And you may lose because that sign does. I don't
know how big is it, David, How big is the sign?

Speaker 9 (13:23):
Actually I went back and looked. The sign is about
three feet by three feet wide. But the lettering on
the sign is now an inch high.

Speaker 4 (13:32):
Wait wait, wait, now, come on, the lettering on the
sign telling you to pay is one half inch.

Speaker 9 (13:39):
That is correct. I have David the sign to prove.

Speaker 4 (13:42):
It, send it to us, send us a picture.

Speaker 13 (13:45):
Oh, I see it. It's a big red sign. Correct, Yeah,
I'm looking at it. I mean, wait a minute, is
it a half inch letters? Come on, man, there're half
inch letters.

Speaker 4 (13:57):
It's it. Come on, man, Marcus Well familiar with a
half inch? Mark?

Speaker 5 (14:03):
Mark?

Speaker 4 (14:05):
A half inch? Really? Come on, it's pretty small man.

Speaker 9 (14:09):
Actually, if you'd like, I'll go back with a ruler.

Speaker 4 (14:13):
Okay, David, that David, because I would challenge it, Okay,
I mean I would what would Mark? Wouldn't you think
of half an inch? Would you? David?

Speaker 13 (14:23):
I wouldn't. I just wouldn't pay it. There's I wouldn't
challenge it. I wouldn't do it.

Speaker 4 (14:27):
I want you to, David. I will take you literally,
I will take your video and put it up for
people to see. Would you can you get over there
today before the show ends?

Speaker 5 (14:36):
Yes?

Speaker 9 (14:37):
I can.

Speaker 4 (14:37):
Okay, Kachina talk to him. I want to get that video,
I swear to you. Hold on, I'm gonna mark this pending.
This is crazy stuff we're dealing with today, and I
am way over time, by the way. Oh my goodness,
gracious me, oh my okay, So hang on Please, we
got more coming up on the troubleshooter show. Waterpros dot

(14:59):
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(15:20):
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(15:43):
of insurance companies find out now three oh three seven
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com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino

(16:06):
here three oh three seven one three talk three all
three seven one three eight two five five.

Speaker 13 (16:13):
So there's free parking there, he said, the only time
there'd ever be an issue if someone was parked there
for a long period of time and weren't in the restaurant.
So I don't think this has anything to do with
signage being a half inch or whatever. I think it's
got to do what the guy was there forever and
it got towed.

Speaker 4 (16:32):
You really think so? Hum?

Speaker 14 (16:33):
Hm?

Speaker 5 (16:33):
Well?

Speaker 13 (16:34):
I called the restaurant. I said, you have free parking, No, I.

Speaker 4 (16:36):
Get you, I get you, And he said there was
free parking. My god, absolutely free parking.

Speaker 13 (16:42):
Now if you're if you're parked in front of us
for ever and you're not here, the landlord might tow it,
but we wouldn't toe it.

Speaker 1 (16:51):
Gosh.

Speaker 4 (16:54):
I I I just am baffled by this whole thing.
I just am. I'm baffled. But anyway, three oh three
seven one three talk three O three seven one three
eight two five five Mark, I just sent the uh
the zoom link so you can join us on YouTube,
and I sent it to help into you two and
so let's keep going here. Three oh three seven one

(17:16):
three talk seven one three eight two five to five.
I went, I guess he's going out to get the
sign though, because no matter what he'll need that. Let's
talk to Sue about a construction company. Sue, what's going
on with you? Sue? You good? What's happening to me?

Speaker 6 (17:33):
Yeah, so you talked to us a while ago.

Speaker 2 (17:36):
This has been an ongoing issue. I live here in
Westminster at yacht club one.

Speaker 4 (17:42):
How long ago did I talk to you about this?

Speaker 15 (17:46):
Probably almost a year ago?

Speaker 4 (17:47):
Yeah, yeah, yeah, it was a long time.

Speaker 2 (17:50):
Yeah.

Speaker 4 (17:51):
I remember something about the yacht club. I do, So
tell me what's going on.

Speaker 2 (17:56):
So it's been ongoing. We have one hundred and fifty
one units, and some of them I will say rental,
but you know, the owners are fully aware of this.
So twenty seventeen there was a hailstorm, so.

Speaker 4 (18:12):
We have I'm gonna I'm going to bring up my
expert here too. I'm going to go to watch it. Am.

Speaker 13 (18:17):
I to understand there's a yacht club in Westminster.

Speaker 4 (18:21):
Yeah, okay, it's fun.

Speaker 2 (18:23):
Oh and we're pretty blessed as a It's called Hidden
Lake sixty ninth in Sheridan.

Speaker 4 (18:30):
It's okay, I know I know about it. Yeah, So
tell me what the issue is now. So you have
one hundred and sixty one units and there was a hailstorm.
The hailstorm was.

Speaker 2 (18:40):
When twenty seventeen.

Speaker 4 (18:43):
Okay, so what's going on now?

Speaker 2 (18:46):
So we won the litigation. It took years.

Speaker 4 (18:48):
Why was their litigation that part? You got to tell
me now?

Speaker 6 (18:52):
Why, I'll tell you.

Speaker 2 (18:54):
When I bought the house, I didn't even know that
we would.

Speaker 4 (18:57):
What was the litigation for the hailstorm?

Speaker 2 (19:00):
Yeah, regarding the repair the roofs so siding.

Speaker 4 (19:06):
Okay, Well, what I mean is who were you? Who
was the HOA suing.

Speaker 2 (19:11):
The insurance company? Why for funding? Allocations of funding? How
much money we were to delop to get allocations for
the repairs?

Speaker 4 (19:21):
In other words, the the it was almost a bad
faith lawsuit because your your insurance was turning down and what.

Speaker 2 (19:29):
Well, that wasn't the issue. We won that case. Yes,
that was the issue. We won the amount of the
money that we.

Speaker 4 (19:35):
Need, Okay, Okay, that's always is.

Speaker 2 (19:38):
We won that. So we had got eight point four
million dollars, We have that in our We have that
have or had that money in our HOA?

Speaker 4 (19:52):
Got it find.

Speaker 2 (19:53):
Okay, moving on, We won that. We We were very
happy about that. He had a board and the board
we had some people that have been in the.

Speaker 6 (20:06):
Board for quite a while.

Speaker 5 (20:08):
Yeah, and I.

Speaker 2 (20:09):
Don't really want to say the names.

Speaker 4 (20:11):
Did they all take vacations?

Speaker 2 (20:14):
Oh that's exactly it.

Speaker 4 (20:16):
Oh no, wait wait, Sue, Sue, wait wait wait wait
wait wait wait wait you're not kidding, right, are you
saying they took the money?

Speaker 2 (20:23):
I'm on my soul? So let me tell you.

Speaker 4 (20:26):
I'm going to no no, wait, wait, where's the eight
point Hold on? I just have to ask a few questions.
Where's the eight point four million?

Speaker 2 (20:32):
Okay?

Speaker 4 (20:33):
So wait, no, can you is it there?

Speaker 2 (20:37):
No? We can't find it. So according to.

Speaker 4 (20:40):
Our oh my god. Now, now here's what's funny, Mark,
as you know Mark, because it's happened to us how
many times in forty five years. What's going to happen
is you're going to see this now on TV and
then if some TV reporter is going to claim that
he uncovered this. So I want everyone to know, well
if she ever gets to what happened to it?

Speaker 5 (20:57):
All?

Speaker 4 (20:57):
Right, hold on, I gotta take a break. I want
to I want to hear this story, I promise you,
but I want to give you more time. I'm Tom Martino.
Eight million missing or four wait whatever it's missing? Come on? Three?
Oh three seven one three talks seven one three eight
two fivety five. Frankaranderealestateman dot com will do a free
market valuation of your home for the asking. If you're

(21:17):
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It's all free. It's part of his complementary service of
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sixteen twenty two. He takes into consideration all elements. Frank
rand the real Estateman dot com. Go with a sure
thing Denver's best roofer Excel Roofing dot com. You don't

(21:39):
pay a cent until you're content. Wait time for an
insurance check up free no obligation. Comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three oh three seven seven one help.
You'll think you're his only customer when you choose Frank
Durand the real estate Man dot com to list your

(22:00):
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey, Tom Martine, I got to go
back to sue now. According to her, there was an
insurance lawsuit the HOA was awarded eight point four million
dollars and it probably if they if it happened in
twenty seventeen, the money was probably awarded in eighteen. Who knows,

(22:23):
but that's like nineteen twenty one, six years ago, Sue,
I need to ask. I know you want to tell
a story, but I need to ask for you. Is
the money actually missing?

Speaker 2 (22:35):
So this is what happened. Okay.

Speaker 16 (22:37):
Now, as far as our visit statue, and it's called
h like in Harry be Is in Bill twelve Best
twelve thirty seven, it states that they have to give
us all of our financials as in the HOA.

Speaker 4 (22:58):
Yeah, okay, what is that? I just now? Okay, keep going,
keep going. I'm never going to get an answer from
you if the money is in the bank or not.

Speaker 2 (23:07):
No, it's not, it's not. They will not show us anything.

Speaker 4 (23:11):
Well, then hold on, hold on. There's a difference between
they won't show you and it's not there. I need
to know, did anyone verify the money is missing?

Speaker 5 (23:25):
Okay?

Speaker 2 (23:25):
So the to the Vice president, we do, we do not.
We cannot see it. They are not allowing us.

Speaker 4 (23:32):
So I'm going to ask this one more. I'm going
to ask this one more time, so it has anyone
verified it is missing.

Speaker 2 (23:39):
Yes, we cannot see it. We are not allowed.

Speaker 4 (23:42):
Okay, Sue, Sue, hold on, Sue, you can't see my
money and it's not missing.

Speaker 2 (23:50):
It's missing.

Speaker 4 (23:52):
Now how do you know? How do you know it's missing.

Speaker 2 (23:57):
Us residents of the community, the home owners. It's gone.
We can't see it.

Speaker 4 (24:02):
Okay, meaning what what does that mean? Did you go
to the bank and the bank said the money is
not here?

Speaker 5 (24:10):
Okay?

Speaker 2 (24:11):
They will not share financial records about the millions in renovations.

Speaker 4 (24:16):
Okay. Hold on now, So since twenty seventeen, has any
repairs taken place? Have any repairs taken place?

Speaker 6 (24:25):
All?

Speaker 2 (24:26):
Yes, they have?

Speaker 4 (24:28):
Okay, now hold on, hold on during from twenty seventeen
till now. Please, I don't want exaggeration or hyperbally or accusations,
although they all may be true. Trust me, Sue. I
want to help you, but first I need to know
this hold on, what major renovations since that twenty seventeen

(24:51):
lawsuit have been done. Just give me a list of
what has been done.

Speaker 2 (24:56):
I'll start with the roof, the gutters, the the walls,
you know, the privacy walls, and the shiding.

Speaker 4 (25:07):
Now now, hold on, so are you are you saying
that the roof, the gutter, the walls and the siding
cost zero and the whole eight point four should still
be in the bank.

Speaker 2 (25:22):
I will rephrase it. They have been done. The financial
statements haven't been up.

Speaker 4 (25:32):
To par because.

Speaker 2 (25:35):
The materials were poor.

Speaker 13 (25:37):
Materials were from stolen money and vacations too, you know, Sue.

Speaker 4 (25:43):
I want to I want to know something. Are you part?
Did you guys all go to a meeting and demand information?

Speaker 5 (25:50):
Oh?

Speaker 2 (25:50):
Most definitely?

Speaker 4 (25:51):
And what how many of you? How many of you?

Speaker 6 (25:55):
I have, well some of them?

Speaker 4 (25:58):
Are how many of you? I'm not going to go
on until you answer one question directly? How many residents
have been questioning the board at meetings.

Speaker 2 (26:11):
On March twenty seventh through? We're thirty two?

Speaker 4 (26:13):
Okay?

Speaker 2 (26:15):
Yeah?

Speaker 6 (26:16):
I have ok now written down.

Speaker 4 (26:19):
I want to know this again. Are they literally refusing?
Now before you answer, listen to the whole question. Are
they literally refusing to show you financials? Or do you
simply disagree with what they're showing you?

Speaker 2 (26:37):
They are refusing so they.

Speaker 4 (26:39):
Have not shown you anything?

Speaker 10 (26:42):
Nopegerating?

Speaker 4 (26:46):
Okay, So who represents the h A board members? Do
you want names, Yes, who represents them?

Speaker 2 (26:54):
Julie McLain and Larry J.

Speaker 13 (26:58):
I R.

Speaker 2 (27:00):
And they will not I'm just reading a fly.

Speaker 4 (27:03):
Are they attorneys? Are they attorneys?

Speaker 13 (27:06):
No?

Speaker 4 (27:06):
Do you realize? Okay? First of all, okay, I don't
understand when you say they will not show you financials.
So why don't you get a petition to house those
board members?

Speaker 6 (27:21):
We did, and we have it.

Speaker 4 (27:24):
How many signatures do you have?

Speaker 5 (27:26):
We have the.

Speaker 2 (27:29):
One hundred and fifty, We have the percentage to boost
them out.

Speaker 4 (27:33):
When are you going to do it?

Speaker 2 (27:39):
Well in January? First, we are supposed to have the
whole new board member. I'm not on the board. My
neighbor is. So this lady that's been on the board
for multiple years think she can kick him off. I
don't know, you know the of being on the HOA.

Speaker 4 (27:59):
But here's what I want to know, Sue. Why don't
the people that sign that petition, if they each if
they each chipped in just one hundred dollars, they can
retain an attorney to look into this.

Speaker 2 (28:14):
I have one, Actually, well, did.

Speaker 4 (28:18):
You hire him?

Speaker 2 (28:21):
We're doing the steps we want, but we want the
news to do this because we do not want other
people to deal with this.

Speaker 4 (28:30):
Well, I know, but you have to do it through
the courts. I'm going to look into it. But I
don't think the money is missing. I think they've used
the money for a lot of this. They might have
some left. I just don't know why they're not sharing it.
In other words, I need to know.

Speaker 2 (28:47):
Yes, one one man, and I don't even want to
say gentlemen, is suing us. And he moved into a
nine hundred thousand dollars home.

Speaker 13 (29:00):
Now what do you mean, He's, Sue Hells a nice
hundred thousand dollars home.

Speaker 4 (29:04):
The average is six hundred thousands.

Speaker 2 (29:07):
It's an eerie Okay, So.

Speaker 4 (29:09):
What are you saying? He was on the board. He
was on the board, and he took money and left, yep, and.

Speaker 2 (29:16):
He tried to run. Can I tell you the name
of the construction company? Because this guy didn't even know
how to run a construction company. I have one hundred
and eighty pitchers of falsified the job. They were trying
to pour cement over rotted wood.

Speaker 4 (29:30):
Okay, listen, Sue, you were either a genius or a nut.
There's no in between here. So you are you claiming
that the current HOA stole the money.

Speaker 2 (29:45):
I'm not saying all of it, but they were in part.
Instead of getting goodwood, they got third class and this
guy and this.

Speaker 4 (29:53):
So you're saying, hold on, are you saying though they
dummied up the bills so they could keep some of them,
so they exaggerated the bills.

Speaker 2 (30:01):
You think most definitely he paid himself. He sat out
here in a forget Wait wait, wait, who is he?

Speaker 4 (30:08):
Is he? Hold on? Is he the contract? Just wait, Sue,
please wait for the question. The person you're talking about.
Was he the one hired to do the work or
was he an HOA member HOI member?

Speaker 2 (30:23):
And he owned a private construction company?

Speaker 4 (30:25):
And was that construction company the one to do the repairs?

Speaker 2 (30:30):
Yes, he hired him.

Speaker 4 (30:32):
Wait, so he hired himself to do the repairs.

Speaker 2 (30:38):
She hired Blue Spruce without any of us.

Speaker 4 (30:41):
Okay, I'm asking again, does he own or is he
part of the construction company?

Speaker 2 (30:48):
No, she found the company he found.

Speaker 4 (30:54):
Do you think he's getting kickbacks from this company?

Speaker 2 (30:57):
Most definitely did Blues.

Speaker 4 (31:00):
Well, you know you better. You know you're on the
air saying this, by the way, and you're subject to
a lawsuit. Okay, Now, Blue Spruce. Did they do all
of the repairs or they just do some of them?

Speaker 2 (31:13):
They subcontracted to some people, Okay.

Speaker 4 (31:16):
I understand, but they were in charge of the whole project. Correct, Okay,
Hold on a second, Okay, I need to take a break.
We are going to look into this. Okay. In fact,
I'm gonna I really mean this sincerely, I'm gonna have
someone contact you off the air and sue this is
not an insult to you. But we also need to
talk to other people involved, not just you. Okay, do

(31:41):
you think you can give us the names of other
concerned citizens? There? Did she hang up?

Speaker 12 (31:49):
No?

Speaker 2 (31:49):
I'm right here, I just did.

Speaker 4 (31:51):
Okay, she's on hold good, hold on, Katschina. I want
to give this to d right here. Please hang on.
We got more coming up on the Troubleshooter Show. Go
with a sure Thing Denver's Best Roofer Excel roofing dot com.
You don't pay a cent until you're content. Time for

(32:13):
an insurance check up free, no obligation. In comparison, call
Compass insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one. Help you'll think you're his only customer when
you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino, you're

(32:38):
a troubleshooter. Three O three seven one three talk seven
one three eight two five five. Okay, So Troy has
an issue with Frontier Airlines and uh we still have
an insurance expert here. Of course you hear Brian Burns
Compass Insurance Group. This this whole thing has has me crazy,
This hoa thing. Things going on with that Mark.

Speaker 13 (33:02):
I have no idea, but I don't like how it
started out. They absconded with the money and went on vacation.
Then they're buying million dollar homes. I don't see any
proof of that. We don't see anything. Something's wrong. I
don't understand why they don't share the books that should
be done. It looks like you're going through the proper
sequence too, in order to kick these people out.

Speaker 4 (33:24):
Yeah, okay, now we're now and Deputy D's talking to her. Now,
let's talk to Troy. Troy, what's going on with Frontier?

Speaker 11 (33:32):
Hey, good morning, Tom, Thank you for saying Troy. Yeah,
it's interesting because on Sunday I was flying out from
Dimmer to Little Rock to go visit my daughter grandkids,
who was gonna throw me my party for me for
my sixtieth birthday when I turned sixty. On the fourth,
we had flights on Frontier. We went to the airport well,

(33:57):
flight was delayed, but when we started the board, we
were asked to go out on the tarmac and there
was a three tier ramps smoked ramp to get onto
the plane. There were three passengers that were on had
wheelchairs and the first two were put on the plane,
went up the ramp and buy an attendant of Frontier.

(34:20):
The third lady in the wheelchair had a friend with her.
They started to go up the ramp and I noticed
that she was struggling and.

Speaker 4 (34:31):
All right, you hold on. I want to come back
to you. I want to hear this story. Please don't
go anywhere. I'm Tom Martina. We have more coming up.
Go with a sure thing Denver's Best Roofer Excel roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup, free no obligation comparison call

(34:52):
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven seven
to one help you'll think are his only customer when
you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two.

Speaker 1 (35:14):
Ripped of new need advice, So you don't help come
running just as fast as can. Shooter's gonna help. Come man,
This is.

Speaker 3 (35:30):
The Troubleshooter Show. Now Tom Martinez, Hi.

Speaker 4 (35:36):
Tom Martin here, Welcome to the show. Three oh three
seven one three talks seven one three eight two five
five Here to help you solve problems, answer questions, take complaints,
make your life just a little easier here, and we
have a lot going on. We have, of course Brian
Burns here the Insurance Health Center. You can always get
your quotes at three oh three nine nine six nine

(35:57):
thousand on Well, it's not just a quote, it's a
review of what you have and if you have a
great deal, they're going to honestly let you know. We've
been very busy this morning. We have to go back
to the phones. This issue with Frontier Airlines. Troy was
telling us that he was boarding a plane. There was
a three level ramp to board the plane. There were

(36:17):
three people in three passengers and wheelchairs. Continue your story, Troy,
What was going on then?

Speaker 11 (36:24):
All right? Thanks Tom? Yeah, the main purpose is that
I was removed from the air the airline that day
for I didn't know.

Speaker 4 (36:33):
Hold on, how did that happen? I mean you you
talked about, well, how did that have?

Speaker 13 (36:39):
Talked about three people in wheelchairs going up a ramp.
Two of them got it, and.

Speaker 4 (36:43):
Now you were removed from the flight. Why were you
removed from the flight? For goodness sakes?

Speaker 11 (36:48):
Because when I noticed that the third person in the
wheelchair needed assistance, I went up to the gentleman and said,
are you not going to help this lading and go
up to the ram, I said I, And he gave
motion that I could help her. So I went and
I took over the wheelchair and I pushed it up
the ramp. When I got to the entrance of the

(37:12):
door of the airplane, there were two flight attendants just
standing inside. They did not recognize that we've got there yet.
So I tilted the wheelchair back at an angle and
got the front wheels up into the airplane. I started
to push it into the plane and I got the
rear wheels to the small, little six inch ramp. The

(37:32):
flight attendant then noticed.

Speaker 5 (37:34):
That I was there.

Speaker 11 (37:35):
She walked up in front of the wheelchair and said, sir,
we can't have the wheelchair come into the into the airplane.
And I said, well, here, let me just get it
up level and we can get her out. So I
picked up the rear of the wheelchair and pushed it
in another six inches. The wheelchair was level. I helped
the lady get out of the wheelchair. She stood there

(37:55):
with her hand on the wall. I removed the wheelchair
from the airplane. Her friend and her thanked me very much.
I took the wheelchair down the ramp. When I came out,
all of the passengers applauded this started copying they did.
They then allowed us to board the plane. We got
on the plane. We were sitting on the plane for

(38:17):
at least thirty minutes with the door not being closed,
and the staff was up front have being conversation, and
we knew something was going on. And shortly after I
thought that they started to talk about me, because I
saw him pointing at me a couple times. And after
forty five minutes of delay, one of the supervisors customer

(38:39):
service walked up to me and said, sir, do you
have a bag? I need you to talk to you.
Off the plane. I was traveling with my girlfriend.

Speaker 4 (38:46):
Now, let me ask you something, Troy. Troy, Yeah, I
understand you're telling me your story. But did you say
or do anything out of frustration or anger or anything? Now,
now we all remember story about Terrell Davis being kicked
off a plane for nothing. I mean, did they was
there anything that they mistook for aggression or frustration or anger? Okay?

Speaker 11 (39:11):
So since I did not know why I was getting
removed off the plane. Once I did get off the plane,
I was told that the flight attendant said that I
rammed her with the wheelchair.

Speaker 4 (39:22):
Okay, so there was there was a reason. And again,
like they said, like Terrell Davis was accused on another
airline of of of attacking someone. I can these these
flight attendants are overly sensitive. I swear to God they
are so so they basically punished you. Correct.

Speaker 11 (39:43):
Yeah, So what was so interesting is that if me
hitting her or ramming her with the wheelchair, it had
to be at that moment when I lifted the wheelchair up.

Speaker 4 (39:53):
I get it.

Speaker 11 (39:54):
Yeah, And so when we were getting off, I didn't
want to go off in handcuffs, so I most definitely
did not say anything. All I said was that when
I stood up to grab my bag, I turned to
the passengers and I said, I apologize for this delay.
Didn't realize I said to the lady that I helped

(40:15):
in the wheelchair. I hope you can help explain this,
you know, because she's I think there's two sides.

Speaker 4 (40:22):
I understand. No, Troy, you don't sound like a nuts.
So what happened then?

Speaker 11 (40:27):
So we went ahead and exit the plane. When we
got down by the ticket area, the customer service was
explaining to me the reason, and she said that the
flight attendant accused me of hitting her with the wheelchair,
and she felt unsafe for me to travel on the plane.

Speaker 4 (40:47):
This is the Terrell Davis story all over again, all
over again.

Speaker 11 (40:51):
I never had two words with this lady other than
can I you know too, Let's get this lady.

Speaker 4 (40:58):
Troy, I believe you. So what happened? Since then?

Speaker 11 (41:02):
Since then I filed a couple of complaints. I have
received a couple of letters from Frontier, and in my opinion,
the letter. Most definitely references you know that there was
obviously the issue.

Speaker 4 (41:19):
Did you ever get the name you need the woman
you were pushing? Was she aware? Was she alert? Could
she say he never intentionally touched her or rammed her
or anything?

Speaker 11 (41:30):
Yes, most definitely tell him that's what I mean.

Speaker 4 (41:32):
Do you have her name and number? Sir? Yeah?

Speaker 11 (41:35):
No, I never got it because they just made me
exit the plane. I wish I have reached out, and.

Speaker 4 (41:41):
I don't know what you can do about it at
this point. Does anyone have any suggestion?

Speaker 13 (41:45):
Well, did you get a refund? Did you get on
another plane? What happened in that aspect?

Speaker 11 (41:50):
They did said that they could refund us and that
they could get us on the next flight, But the
next flight they only do it on Sundays and Thursdays.

Speaker 8 (41:58):
And did you get another flo.

Speaker 13 (42:01):
We did not, because I would have got another flight
then I would assume him.

Speaker 11 (42:07):
So I'm looking for legal counsel advice right now.

Speaker 8 (42:11):
We also know that you don't need legal counsel.

Speaker 4 (42:13):
What you need is a damage.

Speaker 8 (42:15):
I don't know what your damage is.

Speaker 13 (42:16):
You didn't you didn't end up going they gave you
a refund, You didn't buy another flight that was more expensive.
Did you cancel a hotel? Did something happen where you
lost money?

Speaker 4 (42:27):
Yes?

Speaker 8 (42:29):
Yes, that I would assume him.

Speaker 13 (42:30):
For whatever that is in small claim score. You don't
need an attorney. It sounds like it's under seventy five
hundred bucks and if it's valid, I would agree with you, right.

Speaker 11 (42:40):
I think, I think Tom. The issue that I have
is I have two Frontier employees that are basically not
telling the true story. They said that they asked the
lady if she needed help, And there is on a
Reddit response that has now five and response the gentleman

(43:02):
rights On there he says, the craziest thing happened on
the flight today. A man was requested to removed from
the thing for helping a lady in a wheelchair.

Speaker 13 (43:13):
And the stories wonderful and all I'm telling you just
sue them. Just sue them in small claims court for
whatever the actual damages are. And if if they're true
damages and you missed a hotel where you have money
out of pocket, they'll probably show up and pay for it.

Speaker 11 (43:29):
Okay, Yeah, I think probably the damage is just me
not getting the ability to go see my granddaughter who
was sawing me a birthday party, and we would have
had to buy flights on another airline. And I'm an
elite member for a Frontier and so I was using
miles to get there. And so yes, they afterwards yesterday

(43:52):
and they're on my complaint.

Speaker 8 (43:54):
Roy, I get all that.

Speaker 13 (43:55):
Unfortunately, with small claims court, you're not going to sue
for missing your birthday party. Your granddaughter was throwing you.
But if you had a hotel there, if you had
a rental car, if you truly lost money, or if
you did buy another ticket, which we already know you
didn't and did have additional expenses, that would be valid too.
But you don't have any of that. Sure it does suck, though,

(44:20):
if you don't know how to fly Frontier.

Speaker 4 (44:23):
It's hard, man, It's really hard.

Speaker 8 (44:25):
I hate.

Speaker 4 (44:26):
But it's not just Frontier. The airlines are getting crazy.

Speaker 8 (44:29):
Yeah, I agree.

Speaker 13 (44:30):
They you know, they kind of became like Nazis over
a COVID, you know they, I mean really they've become
I hate throwing that word around. I'm going to take
that back. They become very hard to deal with since COVID.

Speaker 8 (44:42):
It seems.

Speaker 4 (44:45):
I don't know, man, it's weird. I mean, she didn't
feel safe with you there, Troy. Were you grumping? Were
you yelling? Were you causing a scene?

Speaker 11 (44:57):
Not at all, Not at all in that.

Speaker 8 (45:00):
That's the thing.

Speaker 11 (45:00):
If you read the Reddit responses, the customers were blown away.
They said, this man helped his lady in a wheelchair
and now he's getting kicked.

Speaker 4 (45:09):
I would I would post and post and post as
much as I could. I would have gotten the name
of the lady and I would have you know because
you needed some witnesses on that flight. What flight number
was it? And really we should we should put the
word out in case someone is listening. Weirder things have
happened on the show.

Speaker 11 (45:28):
Yeah, it was a Frontier flight F nine four seven
seven six leaving from Denver to Little Rock at two
point thirty on Sunday.

Speaker 4 (45:38):
It actually on Frontier flight F nine four seven seven six,
And it was leaving departing for Little.

Speaker 11 (45:47):
Rock YEP when partying Denver, going too Little rock.

Speaker 4 (45:52):
YEP departing four Little Rock.

Speaker 11 (45:54):
Win at two thirty DM, and it wouldn't leave until
four forty. It was the way two hours and ten minutestosa.

Speaker 4 (46:03):
And it was on Sunday afternoon. Yes, it was this
just this past Sunday. Yep, Hey, Mark, you've done this before.
How do you serve Frontier? You know how to do that?

Speaker 13 (46:17):
Yeah, you just look at Yeah you you serve them
in Littleton to be precise.

Speaker 4 (46:21):
But yeah, well you did lose something, did you? When
did you end up going or did you skip the
whole trip?

Speaker 11 (46:29):
You skipped the whole trip just due to that. We
weren't willing financially and everything to want to buy new
tickets because I didn't know if I'd ever get refund.

Speaker 4 (46:37):
So then did you? Oh you did get a refund though, Well.

Speaker 11 (46:41):
The thing is a Frontier only flies on Sundays and
Thursdays to Little Rock, and so they offered.

Speaker 4 (46:46):
But you, but you did get a refund.

Speaker 11 (46:49):
In the letter they said that they would refund my
forty thousand miles And yes, okay, so I did get
that refund.

Speaker 4 (46:56):
Yeah, then you'll sign a release, I assured. All right, listen,
And I think it sucks. I'm sorry it happened to you,
and I wish week. I don't think it's just uh,
I don't think it's just Frontier Airlines. Look what happened
with Terrell Davis, wasn't it Terrell Davis? Right, yes on Frontier.
I'm excuse me, United, it was terrible. Did you hear

(47:20):
the story Mark, Yeah?

Speaker 13 (47:21):
I did.

Speaker 4 (47:21):
I just don't remember what airline? Yeah it was United
and uh anyway, we have more coming up on the
Troubleshooter Show three oh three seven one three A two
five five. You know this whole thing, man, people are
getting crazy by the way, Denverregen dot com. Yes, my
hair is growing. I actually had the you get three
treatments for one price for hair restoration using stem cells,

(47:44):
and it's it's working. It really is. I mean, I'm
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(48:09):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the Real Estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino,

(48:39):
your troubleshooter. Three O three seven one three talk seven
one three eight two five five. All right, let's uh
talk here Ron. Now this is a big follow up.
This thing sucks. Is Bo around to talk about this?

(49:00):
And he is not here today, Sir, I don't know
if he's listening. Here's what happened. Ron has had a
leak in his ceiling in his apartment and it was
coming from a heat exchanger in the ceiling. They claim
that it froze up because of his air conditioner and

(49:21):
he tried to make his place too cool.

Speaker 13 (49:24):
Yeah, he dropped a temp on the thermostat too much
and it froze the.

Speaker 4 (49:27):
Unit, which leaked hot water. And then it's just a
long story. Bo says, there's no way in hell he
was responsible for that. Bo, by the way, for years
and years and years and years and years, was in
the HVAC system and the supply system and the whole life. Yeah,
he knows all about it. He went out there and
looked at it. But they're still charging him for damages

(49:50):
they were charging Ron. So, Ron, what is the follow
up that you have? We told you, you have an
expert defy them. What's going on on now?

Speaker 17 (50:02):
Oh yeah, I try to contact Bo, but I hadn't
hurt her back. But I tried to pay the rent
Thursday and she refuses. She returned it and said I
have to pay the damages along with the rent.

Speaker 13 (50:14):
Well, here's the deal. We already talked to Brad O'Brien
on this.

Speaker 4 (50:18):
What did he say, Mark, I'm looking up the colt
go ahead.

Speaker 13 (50:20):
It's pretty straightforward. He's going to have his time in court.
If they're actually not going to take his money, you
need to make sure not to spend that money like
a lot of people do. And then if they actually
post the eviction notice, you show up to court and
that's where you will have your time to fight the eviction.

Speaker 4 (50:36):
And in fact, I thought Brad said you had. Brad said,
you probably have a really good chance of prevailing.

Speaker 13 (50:42):
Really really good chance if everything you're telling us is correct,
and Bo would be happy to go with you.

Speaker 9 (50:49):
Okay, that's all I needed to know.

Speaker 4 (50:52):
So here's what I want you to do.

Speaker 8 (50:53):
But don't mark money.

Speaker 4 (50:55):
Mark said truer words than if we're ever spoken here.
Most people when they withhold or when rent's not accepted,
or they withhold they spend it. You want to show
the judge a cashier's check for every dime you owe
the day you show up and said your honor. They
were trying to evict me for not paying damages. I

(51:19):
am not responsible for those damages. It was in a
unit in the ceiling. You'd be very simple. Remember, the
one who wins is the one who explains their their
their explains it better. And you'll have an expert with you.
So if they have an expert saying he calls the
damage bo is very convincing.

Speaker 17 (51:39):
I'm telling you right, Okay, sound good?

Speaker 13 (51:43):
What the hell was that?

Speaker 4 (51:44):
I didn't do it? I didn't touch anything, Shannon?

Speaker 18 (51:49):
Was that you?

Speaker 4 (51:51):
Shannon? All right? I have a question for Brian Burns
from Compass. Let me get to my way chat here
and then okay, so listen, Brian. They want to know
what do you recommend now? Because we've talked about ACV policies.
Their condo development has an ACV policy. This person's afraid

(52:15):
of being socked with big giant bills. What do they
do to ensure themselves?

Speaker 14 (52:20):
Okay, so on their condo policy, also called an HO
six policy, make sure you have coverage for loss assessments.
But that's not even good enough. So first of all,
for loss assessments, I would carry as high as you
can go. A lot of carriers will go up to
fifty thousand, and it's not very expensive right now, at
least to get that coverage. But then you need to

(52:42):
read the policy and make sure they don't have a
limitation if it's as of the result of an HOA deductible.

Speaker 8 (52:51):
There's language in a lot now.

Speaker 4 (52:53):
I explain that, okay, So if you get loss assessment coverage, yep,
you want to make sure the policy covers the assessments
for deductibles.

Speaker 14 (53:04):
For an HOA deductible, and they have some of them,
don't There's language in there that you might on your
declaration page have a fifty thousand dollars limit for loss assessment,
but if you read the policy, it says we'll only
cover up to five thousand if it's the result of
an HOA deductible.

Speaker 4 (53:20):
Then when would they cover fifty?

Speaker 14 (53:22):
To me, there's very little chance they're ever going out
to pay the fifty in that case, because I guess
if the HOA, if the policy doesn't cover it all together,
In other words, if it's not covered there and it's
falling to you and it's a covered peril, I guess
you would. But majority of losses are going to be
because of the HOA deductible.

Speaker 4 (53:45):
That's very interesting. So you have to make sure you
have the type of loss assessment coverage that does cover
you for deductibles.

Speaker 8 (54:00):
For the HOA deductor for the whole amount.

Speaker 4 (54:02):
And of course if you don't have insurance, loss assessment
coverage will cover your assessment. If if it's a covered peril,
you got to really be careful. The easiest thing is
just called compass. Seriously, Yeah, three h three nine ninety
six nine.

Speaker 13 (54:17):
Hey, real quick. I doubt this would ever happen because
it's mostly liability, but some property do any umbrellas kick
in after that?

Speaker 8 (54:24):
Or that's never been done.

Speaker 14 (54:26):
I'm sorry, so say that again. The umbrella to cover
what if.

Speaker 13 (54:29):
Umbrellas are Yeah, go ahead, if you had some form
of umbrella coverage, would it actually extend on top of that?

Speaker 4 (54:36):
Umbrellas are only for liability, That's what I started.

Speaker 14 (54:39):
It will ever cover lost assessments coverage. It is purely
for your liability. If you're if you're getting sued.

Speaker 4 (54:44):
For some reason, Tim had an issue with his son's
dirt bike. Ee, I think a month ago. Hey, Tim,
I can't find the call right this second. I'm going
to look for it. Explain what the situation was with
that dirt bike.

Speaker 10 (54:57):
Oh yeah, I called you a while back. It's a
sund I'm that electric dirt bike I called you that
I got.

Speaker 4 (55:02):
Oh yeah, I remember he saved up his money for that.
How long ago did you call? Tim?

Speaker 10 (55:07):
God, I'm on say, four or five weeks ago. It's
been it's been a bit a minute, okay.

Speaker 4 (55:12):
And and what happened?

Speaker 8 (55:14):
Where did you get stolen from?

Speaker 10 (55:16):
I got stolen monument right behind the high school? Because
didn't you.

Speaker 4 (55:20):
Say you kind of know who took it?

Speaker 10 (55:22):
Yeah, we do, and our hunch was right. We got
the bike back last night. We we we saw this
kid riding all over town. We chased him down a
few times, and we finally caught up to him and
got an address, and we got it back last night.

Speaker 4 (55:35):
But my question was, now, how'd you get it back?

Speaker 10 (55:40):
Well, we called the police because we know where the
kid lived, and we said, we chased this kid all
over town and these things are.

Speaker 4 (55:46):
Yeah, but what did police help you get it back.

Speaker 11 (55:49):
They did it.

Speaker 10 (55:49):
Yes, the police went and knocked on the door and
interviewed the parents, and then the kid came home and
then they saw that they scraped the cereal numbers off,
so they drinded him off completely. So I had a
hard time proving it was mine. But there is certain
things on the bike that we did do it and
it matched the description. So they give it back to us.

Speaker 4 (56:07):
Wow.

Speaker 13 (56:08):
What did the parents have to say about all this?
They would have known if the kid charged. Was the
kid charged?

Speaker 10 (56:16):
He's getting charge with the felony. Yes, he repression charges
absolutely good. And ironically the parents, believe it or not,
are mad because they put a thousand dollars into upgrades
on the bike, they said, and they they're asking for
their money, like, are you kidding me? So that was weird.
But my question was it does have a lot of
damage to it, and this bike was brand new, it

(56:37):
only had two hundred miles on it. And well, the
home owners told me that since it has wheels, it's
not covered. It would be a special ATV.

Speaker 8 (56:48):
Okay, Well.

Speaker 4 (56:51):
Is that under your belliwick, Brian, hold on? Go ahead?

Speaker 14 (56:54):
So yeah, I'm sorry, it was a bike, Is that
what he said? Or a motorcycle, motorcycle? Yeah, anything so
the way, not.

Speaker 4 (57:00):
A motor kind of like an electric bike, it's.

Speaker 19 (57:03):
Not well it's electric, yeah, an electric dirt bike?

Speaker 14 (57:07):
Okay, well electric bikes, there's some You could have coverage
underneath your personal property, yes, but if it if it's
deemed more of a motorcycle or motor vehicle, man, then
then you wouldn't because you have to get anything you
can get insurance on its own. That's what I was
going to have an exclusion on that homeowner policy.

Speaker 13 (57:25):
Can he get tags on this and actually get insurance
on this motorcycle thing.

Speaker 14 (57:30):
That's what I'm saying. Yeah, I would sure think so.
If it's a dirt bike, you could, I don't know.
I'm asking the guy, can.

Speaker 10 (57:35):
You No, we have to get an always be sticker
to ride it up in the trails and park.

Speaker 13 (57:39):
Yeah, it's just a trail bike, man, it's probably not
even straight legal.

Speaker 8 (57:43):
Brian, Yeah, I know.

Speaker 14 (57:44):
But the same thing if you had a dirt bike
like a you know, a Kawasaki two fifty or something
that's a dirt bike not used for the road, but
you still can get insurance on it.

Speaker 8 (57:56):
Wow.

Speaker 13 (57:57):
Okay, I get it. I guess I don't see the
river between that and my tractor.

Speaker 14 (58:02):
Well, tractors, you also need to get insurance on a
tractor if you're going to get it off of your land.

Speaker 4 (58:08):
Well, you've never told me that.

Speaker 13 (58:11):
Okay, this is thirty thousand dollars tractor and I don't
have coverage on it.

Speaker 4 (58:15):
You're telling me.

Speaker 14 (58:16):
You got to actually schedule a tractor. Yes, you got
to cover a tractor.

Speaker 13 (58:21):
Well, Lord, have mercy Tom write this down. I am
officially mad at Brian.

Speaker 14 (58:26):
I'm actually excited. This is one more thing I get
to add on a on the mark's insurance.

Speaker 8 (58:31):
Well, sorry about how about a four wheeler, Brian? Same thing,
same thing you can't cover. No, you can cover. There's
policies for a four.

Speaker 4 (58:40):
No, no, no, you can't get it as personal property.

Speaker 8 (58:43):
It's not personal property.

Speaker 14 (58:44):
No, your EV bike is a bike is the one
that's right in that middle. Because it's if you think
about a regular bike that you have that would be
covered as personal property on your policy. The EV has
complicated it because there is some language and policies that
would exclude it because it's a motor vehicle. A lot
of them still are saying no, this is still considered a.

Speaker 8 (59:04):
Bike all right.

Speaker 4 (59:06):
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He can do very creative things to move your assets
through your state, including LLCs. He can do trust, he
can do, of course, wills. Anything that you need. Dan
McKenzie can attend to McKenzie Law. We love having him
here as our expert for estate planning. Eight three three
co plans eight three three co plans. Go with a

(59:34):
sure thing Denver's best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an
insurance checkup free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three O three seven to seven to
one help. You'll think you're his only customer when you

(59:56):
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three all three nine
two zero sixteen twenty two. Hi Tom Martino, your troubleshooter

(01:00:18):
three all three seven one three talk seven one three
eight two five five. Okay, so let's keep going here
and let's see who's okay, day Uh wait, yeah, I
have Tim. The wait didn't we take tim? I mean
we we handled the dirt bike thing. Wait what is

(01:00:41):
your question actually you had about yourself. You got the
dirt bike back, So what is your actual question?

Speaker 10 (01:00:47):
Well, since the homeowners were uncoverage, I didn't have actual insurance,
am I is it possible to see the parents for
allions for damages?

Speaker 4 (01:00:55):
Well? Yes, how hold on? Hold on? How old is
the kid? Fifteen? Brian. We go around a round about
this about parents and the responsibility. John John Fuller said
parents can be liable for minor children.

Speaker 13 (01:01:13):
The younger the better. But I don't know, Mark, you said, hell, yes,
what are you thinking? Oh my god? He said that
kid damaged the bike. I don't know what he means
by that, but if it needs new parts, absolutely, the
kids stole it, he wrecked it. His parents will be
held responsible through a judge.

Speaker 4 (01:01:32):
Absolutely, all day long. I want to get look at it.
I'm not doubt I'm not doubting it. I want to
get John Fuller's take on it. I just want to
ask him a couple of questions about it. He knows
about liability and all that. I just want to ask
him some questions.

Speaker 13 (01:01:50):
He might be able to help with the James too,
if we get to James.

Speaker 4 (01:01:54):
So let's get him on there. Let's get him and
I'm going to go to Dale then because we're gonna
wait for John. He has a question about a roofing company. Hey, Dale,
what's happening? What's going on?

Speaker 19 (01:02:07):
Okay, Ba's when we had the big storms. I think
it was in twenty two, it might have been twenty three.
It was twenty three, I believe in June of twenty
three in the south end of town. We had a
roofing company that we've used in the past, supposed to
do roofing and painting, and they've done a great job.
They've always done excellent, excellent work, and they did excellent
work this time. But with all the debacles between supply

(01:02:31):
chains and everything, it took a year to get everything completed.
So we got the roof paid for and done and
all the other exterior work, and then when it came
down to get the paint done, we've never seen the
bill for the paint. We didn't get an estimate for
the paint itself, and he's never sent us a bill.
And I've contacted him three or four times to say, hey,

(01:02:52):
what do we wait a minute?

Speaker 4 (01:02:53):
So he's never collect but he did the paint, right, he.

Speaker 19 (01:02:58):
Had the paint done, yeah yeah, okay, but he never
so what do we owe you for the paint? And
he just he won't get back to me on it, like.

Speaker 4 (01:03:07):
It's well, why do you care? Then, I'm serious, why
do you care?

Speaker 19 (01:03:11):
I just I just don't want to end up in
a situation And he tries to say, hey, you know,
I'm going to send you to collections over there.

Speaker 4 (01:03:17):
Well, first of all, first of all, he's going to
lose it. He's hold on, hold on, He's going to
lose his right. He already lost his right to lean
your house. I'm not suggesting you don't pay him. I'm
suggesting that until he bills you, you don't pay him.

Speaker 19 (01:03:34):
Okay, yeah, I mean, I mean I'm fine with that.
I just don't want to get into a situation where
I'm in trouble over That's why I wanted to know
where are we?

Speaker 4 (01:03:41):
I mean, how what's going through your mind? Like how
could you be in trouble?

Speaker 19 (01:03:47):
Well, I just you know, I don't want him to
try to put a lean on the house or send
us to collections or anything like that.

Speaker 4 (01:03:52):
But how can he if how can if he never
asked for payment?

Speaker 19 (01:03:57):
Yeah, I get it, I definitely understand.

Speaker 8 (01:04:00):
That's I just want to make sure I'm on.

Speaker 19 (01:04:01):
The right page.

Speaker 4 (01:04:03):
Okay, that's I mean, you're you're a really nice guy.
But when was the last time he contacted him?

Speaker 19 (01:04:09):
I haven't been in contact with him probably for two
months now.

Speaker 4 (01:04:13):
And when you do, does he say he's going to
send you a bill?

Speaker 19 (01:04:17):
He just says he'll get back to me and let
me know what's going on. And so, you know, I
asked him, was there was there any other things that
needed to be done, because the insurance had kind of
put a few things on this bill, and I wanted
to make sure that, you know, it wasn't already done
or if it was, or did we need to still
have some work done or whatever it is. And he
said not, I think everything's complete as far as I'm knowing.

Speaker 11 (01:04:38):
He goes, I'll check out.

Speaker 19 (01:04:39):
Everything and I'll get back to you. And I mean,
it's it's been over three months since they painted the house.

Speaker 4 (01:04:44):
Oh so it's only been three months. It hasn't been
you said it was back in twenty Okay.

Speaker 19 (01:04:51):
Yeah, that's when the damage originally occurred.

Speaker 4 (01:04:53):
Well, then if he if he completed it, he has
four months to lean after the work. But you haven't
refused to pay. Look, I would just sit back and wait.
What the hell's the difference you get? You'll you'll always
have the money to pay him?

Speaker 8 (01:05:06):
Right?

Speaker 19 (01:05:07):
Well, well, I mean did you get paid?

Speaker 4 (01:05:11):
Wait a minute, let me let me ask you this. No, wait, wait,
wait wait bro, you got insurance money? Is that right?

Speaker 19 (01:05:18):
Yes?

Speaker 11 (01:05:18):
Yes, we got to check for the.

Speaker 4 (01:05:19):
Insurance and so far you only paid for the roof.
How much do you have left from the insurance payment?

Speaker 19 (01:05:26):
We have about ten brands.

Speaker 4 (01:05:28):
You have ten thousand dollars left above and beyond what he.

Speaker 19 (01:05:33):
Did well without without I mean that's that doesn't include
the paint. I mean that this particular I didn't ask.

Speaker 4 (01:05:41):
Here's what I asked, al. I asked how much you
paid out? And you said you have ten grand left?
Is that right at this time?

Speaker 18 (01:05:49):
Yes?

Speaker 4 (01:05:50):
How much do you think when you say paint? Was
the whole house painted? Yes?

Speaker 19 (01:05:56):
Well, for goodness done important to the insurance.

Speaker 13 (01:05:59):
Well he's trying to get paid though. Those guy's not
doing anything wrong, of course he's not.

Speaker 4 (01:06:04):
But what I'm saying, is is why I can't believe
that the contractor won't doesn't want to be paid for
the whole house. How much do you think that's going
to cost that whole house job of extra.

Speaker 19 (01:06:19):
I don't have any earth of the idea.

Speaker 4 (01:06:21):
I mean, it's how big is your house?

Speaker 19 (01:06:23):
Out on the backside?

Speaker 4 (01:06:24):
Well, you mean you didn't have a bid, You got
an insurance checked, you didn't get a bid for it.

Speaker 19 (01:06:29):
We didn't get an actual bid for just the paint.

Speaker 4 (01:06:33):
You got a bid for the whole Wait? Wait, Dale, Wait,
did you get a bid for the whole thing?

Speaker 19 (01:06:40):
I don't remember the paint being in there, because he
was trying to do with one thing at a time,
because he subcontracted paint out.

Speaker 4 (01:06:46):
Do you have a copy of the contract?

Speaker 19 (01:06:49):
I do have a copy of the contract for the
roof and the screens and the gutters and all that.

Speaker 4 (01:06:53):
Yet, but the paint is absolutely not on there.

Speaker 19 (01:06:57):
It's done, not that I've seen.

Speaker 4 (01:06:59):
No.

Speaker 13 (01:07:00):
Okay, Well, I wonder if he did some kind of
supplemental and actually got paid on it. Is that a
possibility it could be.

Speaker 19 (01:07:07):
I mean between pain and insurance, I mean between I'm sorry,
between roofs with just the roofing and all of the
other exterior issues other than paint. I mean he's been
paid like forty three grands.

Speaker 4 (01:07:20):
Okay, yeah, but listen, here's the deal. So I would
just there's nothing you can do about it if he
hasn't built you, but you will be billed. Come on,
if he subbed it out, I need to get John
Fuller on. We're out of time. I got to take
a break. I hope he can hang on. I have
a question for him coming up. Go with a sure

(01:07:42):
thing Denver's Best roofer Excel Roofing dot com. You don't
pay a cent until you're content. Time for an insurance
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paying too much your coverage at dozens of insurance companies
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(01:08:04):
the real estate Man dot com to list your home
with Remax Alliance three all three nine two zero sixteen
twenty two. Hi Tom Martino, your troubleshooter three O three
seven one three talk three O three seven one three
eight two five five All right, So I want to

(01:08:26):
talk to John Fuller very quickly. John, this is not
about personal injury, but it's about liability. You deal with
it all the time. I just want to lay out
this scenario. If a kid, fifteen year old kids steals
my kid's electric dirt bike or is dirt bike whatever,
and he does damage to it, the police retrieved it,
the kid is charged, he's fifteen. Can I hold the

(01:08:49):
parents responsible for the damages to the bike?

Speaker 5 (01:08:58):
You know, probably in a legal sense, but the can
is going to be responsible for restitution, which is going
to have to be paid through the courts, or you
can you know, you can probably file that against your insurance,
but I don't know if the parents are going to
be legally responsible for paying you off for that damnage.

Speaker 4 (01:09:21):
All Right, we have more coming up. I'd love to
get some more thoughts on that coming up. I'm Tom
Martine Go with a sure thing Denver's Best Roofer Excel
roofing dot com. You don't pay a cent until you're content.
Time for an insurance checkup, free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of

(01:09:44):
insurance companies find out now three O three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
Com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 5 (01:09:58):
Y Rip.

Speaker 13 (01:10:05):
News.

Speaker 1 (01:10:07):
Need advice so you don't have run into Just as
fast as we can, Shooter's gonna help. Come man, This is.

Speaker 8 (01:10:18):
The Troubleshooter Show.

Speaker 4 (01:10:20):
Now, Tom Martine, Hi, Tom Martino here, Welcome to the show. God,
what a busy day today on the Troubleshooter Show. Multiple
calls and help and information we're helping. We have UH
the Insurance Help Center with us. I want to go
right to John Fuller because we have a thing that
came up we were all curious of. And John the
league you know of a personal injury attorney who's always

(01:10:44):
looking for damages and responsibility and liabilities. This is not
necessarily personal injury, but it has to do with liability.
And you know I, John and I have these conversations
a lot about UH people and liability for their kids
and people who live with them. In fact, we had
one the other day about something I'm doing with my daughter.

(01:11:06):
And also people want to know about their minor kids.
So John, what I thought was that, and Mark thought as.

Speaker 8 (01:11:15):
Well, I'm gonna I'll go beyond that, I know.

Speaker 4 (01:11:18):
But just let me, let me explain the situation and
then you can. Because Mark, Mark thought that the kids,
that the parents would be responsible for minor children. And
Mark explained the case.

Speaker 13 (01:11:28):
Well, the case that we're talking about now is a
kid willfully steals another kid's dirt bike. When he has it,
he causes damage to it and basically the parents see
the kid driving it around, they get with the police,
The police go over there, they convince and prove to
the police it was the stolen bike and it's theirs.

(01:11:49):
The police give them back the bike, but it's got
some damage on it. And my contention is quite simple.
They can take those parents because it's a fifteen year old,
I believe to small all claims court or to court
or if the cops actually arrest them, with restitution. But
the bottom line is, because it's a minor child, those

(01:12:09):
parents are going to be responsible for the bills. And
I'll give one more another analogy. You know, your fifteen
year old goes over and spray paints your neighbor's house
or toilet papers it or does something that leaves real
damage to the paint or something. You are going to
be libel as the parents of that minor, no matter what,

(01:12:30):
at least in Colorado.

Speaker 4 (01:12:35):
Okay, John Fuller, what are your thoughts on that? Well, Mark,
what do you say, at least in Colorado? What are
you basing that on? Are you looking at a law No.

Speaker 13 (01:12:43):
I'm basing it on a neighbor whose kid did something
and got in trouble and the parents ended up paying,
and they didn't want to pay, and it went to
court and they ended up paying. Oh wait, you actually
know of a case, Yes, in our old cul de sac.

Speaker 8 (01:12:57):
Yes, I do.

Speaker 4 (01:12:59):
Okay, John, Hey.

Speaker 5 (01:13:03):
You know Mark's probably filed more lawsuits than I have
over the years, so he listen. I don't know. I
can tell you that, you know, we're not generally liable
for the acts of another person unless we have some
you know, some some responsible relationship over them, and maybe

(01:13:25):
a parent is enough to make me legally responsible. I
don't know. I could look that up, but I do
know that the kid, if he was charged with taking
the motorcycle, that as a crime victim, you're entitled to
restitution through the criminal course, and it doesn't matter if
he's a juvenile or an adult. The courts are still
going to impose a restitution order that makes.

Speaker 4 (01:13:47):
It right, So it becomes a moot point anyway. I bet,
I bet a Lazari's dealt with this time.

Speaker 5 (01:13:54):
Hey probably has, you know that would be a But
I dealt with enough criminal cases to note as well
that that restitution order, whether the parents paid or the
kid pays it, it's still going to have to be
paid before that kid ever gets sought for probation or
whatever the need.

Speaker 4 (01:14:09):
Let me put this another way, John, what if while
he's on this stolen electric bike he hits someone and
they there, and they come to you with five hundred
thousand dollars in pain and suffering and medical bills and
all that. You damn sure well would go after the parents.

Speaker 5 (01:14:27):
I sure would, And I would do it under some
theory against their homeowners policy or perhaps their their auto policy.
But it wouldn't be their personal responsibility. It would still
and and Tom, I could be wrong on this, don't
I haven't done this in forever, but it would be
a theory of either if it was against the parents,

(01:14:48):
it would be some sort of negligent entrustment. I mean,
you can't make the parents liable for something unless they're
actually negligent of doing something. Maybe there's some contract deal
that makes them just have to I'm not familiar with it, but.

Speaker 4 (01:15:02):
Okay, I'm I'm looking it up here and it says
this criminal responsibility. Parents are not generally criminal libel unless
they contribute to it, as we've seen in the school shootings. Okay,
a civil liability parental responsibility law, it's what it's called.
And they can be held for civil liability for any

(01:15:24):
kids under eighteen the result or injury of damage excuse me,
that result in injury or damage property damage. This is
typically limited to a certain amount of financial damages, which
is capped under state oh state law is at thirty
five hundred, capped at thirty five hundred.

Speaker 5 (01:15:45):
Got of Colorado's at some AI, General.

Speaker 4 (01:15:49):
Colorado's no, No, it's my girlfriend AI And it says
Colorado's parental responsibility law. Again, John, you're well to point
that out because my girlfriend has been irresponsible at times.
This is typically limited to I never heard of that
thirty five hundred dollars limit, but say that, but you.

Speaker 5 (01:16:08):
Know that, Yeah, that just doesn't seem based in anything
that makes sense. And again I'm got the expert on that.
I don't really handle a lot of you know, juvenile cases,
but if I had one, I'm sure i've you're bonn
up on it and the uh be able to go
to town. But again, you know, my, my, my challenge
all the time on civil cases is getting coverage. You know,

(01:16:32):
because nobody has five hundred thousand dollars laying around. We're
looking for insurance coverage that's going to provide a source
of revenue to help my clients recover for their damages.
And so that's always a challenge, and that is a
little bit different of an analysis than just simply whether
or not the parents are on the because.

Speaker 4 (01:16:51):
I did I did look up the CRS. Though now
I did look up the CRS. This is the actual
CRS is thirteen twenty one, one oh seven, and it
does say that any person entitled to recover damages in
the amount that exceed three thousand and five hundred in
a court of competent jurisdiction from the parents of a

(01:17:12):
minor under eighteen years old living with such parents who
know only called the blah blah blah blah blah is
used the recovery shell be actual damages. Uh, and not
to exceed three thousand and five hundred. I don't I
don't get it. So Hey, on that same mark three
thousand and five hundred, it says, is the limit to
civil damages for a minor?

Speaker 8 (01:17:34):
Yeah?

Speaker 4 (01:17:34):
Well, I don't know what it is.

Speaker 13 (01:17:36):
But the on that same kind of thread, John, if
someone if a fifteen year old took their parents' car
for a joy ride and ended up hurting somebody, they
the parents' insurance would cover whatever if they had insurance
correct the liability.

Speaker 4 (01:17:55):
I don't know, Brian, Brian should weigh in on that.

Speaker 14 (01:17:57):
To be permissive use? So yeah, I mean, I I've
had this conversation and sorry, John, you're the expert on this,
but I have had conversations with clients that are sitting
there saying no, I did not give my kid permission
to take my car, and said, for insurance purposes, you
sure better hope you did, because that's permissive use.

Speaker 4 (01:18:16):
Oh so if you gave permission, even if they're unlicensed,
they're covered.

Speaker 13 (01:18:22):
Yeah, but who would give their fifteen year old permission
to go driving?

Speaker 4 (01:18:26):
Well, what Brian is saying is is for use for coverage.
Maybe you'll never be insured again, but if you want
this covered, you better have given permission.

Speaker 9 (01:18:36):
So here's an interesting thing, Tom.

Speaker 5 (01:18:38):
If you look at that statue, the first section of
it deals with a kid who maliciously or willfully danities
or destroyed property.

Speaker 11 (01:18:46):
That's intentional, yeah.

Speaker 8 (01:18:48):
Or steals it.

Speaker 5 (01:18:49):
That's not negligence. Okay, that's intentionally. So maybe with the motorcycle,
yeah you can recover. But now the causing of an accident,
that's very likely not to be considered an intentional act. Rather,
it's more likely to be considered a negligent act. The
next section deals with knowingly causing hodily injury, and I

(01:19:14):
think we'd have to really get into the court you know,
definition knowingly because it kind of impliedly still comes down
on the side of an intentional act, which is by
definition not negligence and not covered by any policy that
you're esteemed guest Brian over there rights. So that gets

(01:19:34):
back to the whole permissive use thing. He's if he's
a permissive user, which you might say, why the hell
would we ever do that and give our kid permission?
But you know, maybe that's not a terrible thing because
you want to have that insurance coverage against an accident
and it's considered negligence. You want that kid to be
covered so that it's not coming out of your own

(01:19:56):
personal resources.

Speaker 4 (01:19:57):
Now, while you're on John, listen to James, James, I'm
not sure if this involves personal injury. Does your car
accident involve personal injury? James, No, it doesn't. Okay, maybe, okay,
go ahead. What is it?

Speaker 18 (01:20:13):
Well, it's a pretty simple case. I was driving out
of my parking lot and a guy backs up in
front of me and hits right front of my car,
in the side of the car. My insurance company. I
called my insurance company. He called his insurance company. He
admitted claim to me. He admitted liability for the accident

(01:20:37):
because he didn't look moving back.

Speaker 4 (01:20:40):
Yeah, and.

Speaker 18 (01:20:42):
I called I didn't just rely you.

Speaker 4 (01:20:45):
Were both Were you both moving at the time? Yes, Okay, Okay,
got it. It's going to be fifty to fifty. But
let me explain something to you. And this is something
I need to explain because it happens all the time.
Brian Brian burns us with us with Compass Insurance Group.
People say he admitted liability. Once you talk to your

(01:21:08):
insurance company. Heber sends that I'll guarantee you his insurance
will say he didn't admit responsibility.

Speaker 8 (01:21:14):
Right, oh man.

Speaker 14 (01:21:15):
The story that happens at the scene of the accident
changes so frequently right after the act.

Speaker 4 (01:21:22):
He didn't create a contract or liability by saying that
to you, right r. Nor does he know the actual law.
So so here's what I'm getting at. It doesn't matter
what he told you at the scene, Okay, it's what
can be proven. So tell me where it stands right now.

Speaker 18 (01:21:43):
Well, they want me to give them a verbal statement,
and I was reluctant to do that without some kind
of advice.

Speaker 4 (01:21:52):
Well, what do you mean, what kind of statement?

Speaker 18 (01:21:57):
Caliphonic?

Speaker 7 (01:21:58):
Lay?

Speaker 4 (01:21:59):
Yeah, here's what they're going to try to do. And
I think we let John go, didn't we and if
we did, if we didn't it? Okay, here's what is
going to happen. They're going to try to trick you
into either comparative negligence, meaning they're going to ask you
questions like could you have prevented it had you seen
it sooner? Or could They're going to ask questions in

(01:22:20):
such a way that they're going to turn down the
claim or they're going to do as Mark mentioned, fifty
to fifty or sixty forty or whatever it's You know,
you don't have to talk to them. You understand that, right?

Speaker 11 (01:22:33):
Oh?

Speaker 18 (01:22:33):
I didn't know that.

Speaker 4 (01:22:35):
Well, what tell me what would require you to talk
to the other insurance? What would require it?

Speaker 13 (01:22:41):
Well, he just wants to get paid.

Speaker 4 (01:22:43):
Do you have a do you have a contract claim?
Do you have a contract with them?

Speaker 20 (01:22:47):
No?

Speaker 4 (01:22:48):
Yeah, you're not required to talk to them at all.
He's required to talk to them. They're not required. You're
not required to talk to him at all. They can
look at it. Did you have a police report or not?
Because it's private, they wouldn't do it.

Speaker 5 (01:23:00):
No.

Speaker 4 (01:23:01):
Okay, Now here's the deal. You can sue him for
the damage directly. If he's admitting fault, then it won't matter.
You'll get a judgment and then he'll just have to
get his insurance to pay. Brian chime in on this
if you want. But I don't see why he has
to talk to them.

Speaker 14 (01:23:17):
Well, no, other than to Mark's point, he's trying to
get paid. He doesn't talk to him, they're not going
to pay him.

Speaker 4 (01:23:24):
But there, but hold on, Well, guess what they may
not pay him, but why wouldn't they?

Speaker 14 (01:23:31):
Well, because are we still saying that this driver is
admitting fault. I understand he said he did it at
the scene. Is that his story still?

Speaker 18 (01:23:40):
I haven't talked to him.

Speaker 8 (01:23:42):
I will put money down that his story has changed.

Speaker 20 (01:23:48):
Now.

Speaker 18 (01:23:49):
I went to my insurance company and they totaled my car.
They say, First of all, they said, I can either
go with his insurance company, just deal with them, or
I can deal with my insurance company and use my
deductible or whatever. Yep, they totaled my car after they

(01:24:15):
visually assessed it.

Speaker 4 (01:24:17):
And so what's the point. What is the point? What
do you need from us right now? What kind of help?

Speaker 18 (01:24:26):
Well, one thing is understanding how the the totaling process were.

Speaker 4 (01:24:35):
Okay, that's a whole different topic. Hold on, we'll come
right back to you. I'm Tom Martino. Three oh three
seven one three eight two five five. Go with a
sure thing Denvers Best Roofer, Excel roofing dot com. You
don't pay a cent until you're content. Time for an

(01:24:56):
insurance check up free, no obligation. In comparison, call Compass
insurance paying too much your coverage at dozens of insurance
companies find out Now three oh three seven seven to one. Help.
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here three oh three

(01:25:26):
seven one three talk seven one three eight two five five.
So we have a question on a car accident. But James,
here's the deal. Now you're facing a whole different dilemma.
You want to know how the totaling process works. Okay,
here's how it works. When they feel like it's cheaper

(01:25:48):
for them to fix your car. I mean to fix
your car. They're going to fix it or to total it.
They're going to total it. They just do it, okay.
And all they have to do, you don't have a choice.
They just have to put you in a better position
or the same position you were in before the accident.

(01:26:10):
So normally what happens is and I know what's happening here.
You don't agree with what they're valueing your car at
Is that true? Is that true? That's what it is?

Speaker 21 (01:26:23):
Right?

Speaker 18 (01:26:24):
I don't know yet, but yeah, okay.

Speaker 4 (01:26:27):
They're not going to give you what you think it's worth.

Speaker 13 (01:26:29):
They never do, never, no, but they never give you
if you if you follow our advice, they will give
you what it is worth.

Speaker 4 (01:26:39):
Okay, so Mark, I'm continue continue.

Speaker 13 (01:26:42):
It's simple as that. We have a company called Petty
Details on our referral list. So go to referral list
that time, start typing in Petty. He will give you
an honest number of what that vehicle's worth, and they
will give you that much. If they won't give you
that much, you can hire Petty Details or other companies
to actually invoke something in your policy that basically creates

(01:27:06):
an arbitration and they're gonna come up with that number
and he'll do all the legwork behind the scenes to
get that done.

Speaker 4 (01:27:13):
But well, that's hold on. You invoke you can only
do you have the appraisal process. You can only invoke
that with your own company, not with the other party.

Speaker 13 (01:27:21):
Yeah, well, okay, that's that's you. That's absolutely true. That's
absolutely true.

Speaker 4 (01:27:26):
So so if it's the other party, you would have
to sue that other party directly, not their insurance.

Speaker 8 (01:27:32):
That's true.

Speaker 13 (01:27:33):
Well, let me ask you this. Do you have full
coverage on the vehicle? Yes, Well, then you could go
through your own company and not even worry about this.

Speaker 18 (01:27:43):
No, just for a second, when you say full coverage,
I have a thousand dollars deductible.

Speaker 13 (01:27:48):
Well you could still go through your own and then
sue them for the thousand dollars deductible, or your own
insurance company will will subrogate or not suburgate, but they'll
go after the other insurance company for your thousand dollars back.

Speaker 14 (01:28:03):
Oh yeah, subrogate's the right term for that. Okay, the
first dollar they get back goes to your deductible, just
so you know that's how it works.

Speaker 13 (01:28:09):
Yeah, so they will, they'll subrogate for that money and
then ultimately make you whole.

Speaker 8 (01:28:14):
That's why you want.

Speaker 13 (01:28:16):
If the other company is not paying you what the
vehicle's worth, but you got to figure out truly what
it's worth, then go through your own company and then
you can go into that appraisal clause I brought up
at the beginning.

Speaker 4 (01:28:29):
Brian, if he goes through his own company, can he
go directly after that other guy and sue for the
thousand dollars deducted world? Does he have to wait for
his company to subrogate?

Speaker 14 (01:28:39):
Well, no, I believe and that would be a John
Fuller question more than me. But I believe he can
sue them directly. But if they're going to subrogate, then
he'll get that money back. In other words, like I said,
first dollar back, he'll get. But I I'm based off
of the conversation or the story behind it, I don't
see him getting anything back for subrogation. I see this
being a fifty to fifty. His insurance will pay his
and the other why because it's on private property. Unless

(01:29:02):
the guy continues to say he's at fault. But if
I heard that correctly, that both were moving, so the
assurance companies will just throw up their hands.

Speaker 8 (01:29:10):
Hey, James, is fifty to fifty.

Speaker 4 (01:29:11):
James, is the guy still claiming uh fault?

Speaker 18 (01:29:17):
I don't know.

Speaker 13 (01:29:18):
But even if he is claiming still fault, that I'm
just arguing, that doesn't even really matter. That guy might
be at fault, but that doesn't mean he is at fault, right.

Speaker 4 (01:29:31):
Yeah, that's true, that's true, James. I hope, I hope
we gave you enough information. Three oh three seven one
three eight two five five Joe, Yeah, Joe, what is
going on? You called last week? Let me let me
bring up your call. And wasn't it about landscaping or something?

Speaker 13 (01:29:53):
Yeah?

Speaker 4 (01:29:53):
It was. Uh, you bought your home in Loveland. People
built a home on the lot next to you, and
and you started having water problems. They built a retaining
wall between the properties. Now your property is flooding, and
uh what happened?

Speaker 21 (01:30:10):
Well, so yeah, that was the issue. And then Bob
from La M Landscaping came up.

Speaker 4 (01:30:16):
That's right, he was going to he was going to
look at it to see what the issue was because
I said if they changed the drainage, they could be
responsible to you. Go ahead. What happened?

Speaker 18 (01:30:26):
Correct?

Speaker 21 (01:30:27):
So Bob came up and looked everything over and his
in agreeance of everything we have said. And he's basically
saying the house itself is the issue. But he did
go through all of the landscaping. And is Bob on
the phone because.

Speaker 4 (01:30:43):
He can get no, he's wait, wait were we supposed
to get him? I'm sorry, now, what did you? Can
you can tell us what he said? Did he say it?
Did he say it could be fixed the drainage?

Speaker 21 (01:30:53):
Yeah he can. He said he could fix it, but
do not the people next door? Awkward to put a
French strain in he says, a French train is not
going to fix the issue. It's more complicated than that.

Speaker 4 (01:31:06):
What did he say it would include? Do you remember
he's probably listening, and I'm sorry we didn't get him
on while you were waiting. But what did he basically
say from what you can remember, that he needed to do.

Speaker 21 (01:31:20):
Basically, it's going to be totally regrading our whole lot
on the side, bringing in dirt, doing a swell in
their backyard which is supposed to be there anyways. It's
going to be a lot of work.

Speaker 4 (01:31:39):
Because what he did he give you a price.

Speaker 21 (01:31:43):
He did not give me a price, but he said
he would work with me no matter what on this issue.

Speaker 4 (01:31:52):
Okay, and so he didn't give you any idea. Do
you know if they'll help pay?

Speaker 21 (01:32:01):
Well, that's what he's saying, and we're saying it should
be the neighbor's responsibility, uh, the engineer who signed off
on it all. They should be compensating us for all
the damage we've incurred.

Speaker 4 (01:32:17):
Well, yeah, that's nice. However, he's not an attorney. We
don't know about that yet, but we do know that
it wasn't like that before they built. What were you
going to say, Mark, sorry, did they pull a permit?
Was the county involved?

Speaker 21 (01:32:29):
The City of Love?

Speaker 8 (01:32:31):
Oh, you're going to.

Speaker 4 (01:32:31):
Have a hell of a time if this was signed
off by.

Speaker 13 (01:32:34):
People that how would they possibly go after the neighbor
or go after the engineer when when the city actually
signed off on it substance over form.

Speaker 21 (01:32:44):
Yeah, it's been a long drawn out We've been dealing
with us for a year over a year now and
the city is taken out no responsibility, even though they did.
We have talked to the engineer company and they are
going to come out on Thursday and two elevations all
over our property and the other property, and they're offering
the fix. So we are getting somewhere we.

Speaker 4 (01:33:07):
Do well instead of their fix, just tell them you
want your fix exactly.

Speaker 21 (01:33:11):
We have to file a suit too, because we're already
in you know, a lot of attorney fees already, which
our attorney hasn't done a whole lot.

Speaker 4 (01:33:18):
Wait wait, wait, how much are you into fees right now?

Speaker 21 (01:33:22):
Nine attorney fees?

Speaker 4 (01:33:23):
And how much do you think the fix would be?
Bob didn't tell her.

Speaker 21 (01:33:29):
He didn't say, but.

Speaker 8 (01:33:31):
Well, I think Bob would have I listen.

Speaker 13 (01:33:33):
I like Bob, but it sounds like an engineer asked
to get out there and get this thing handled.

Speaker 21 (01:33:38):
Yeah, they're coming out, they're coming back out. But here's
a deal. I mean, we have to file a suit now,
which we've contacted our attorney.

Speaker 13 (01:33:45):
Wait a second, Wait a second. If the engineer company
that is coming out and they want to fix it,
and long as everybody signs off on it, why wouldn't
you just do that?

Speaker 10 (01:33:54):
Yeah?

Speaker 4 (01:33:55):
Why do you need a suit? A lawsuit?

Speaker 21 (01:33:58):
Because we can't repay or recoup our attorney sees without
a suit.

Speaker 4 (01:34:03):
Now, hold on, hold on, hold on, you might do
you understand Wait a minute, Wait a minute, do you
understand that to try to go after attorney fees will
incur new attorneys fees? Right?

Speaker 18 (01:34:15):
Correct?

Speaker 4 (01:34:16):
So what makes you think you're gonna get attorney fees?
That this is not a statute that pays attorney s fee.
I think you're getting bad advice from whatever attorney. I
think you're getting bad advice too, that's my opinion, Joe.
What makes you think you'll get attorney fees?

Speaker 21 (01:34:32):
I'm not saying we're getting attorney sees, but it would
be nice to get attorney sees.

Speaker 4 (01:34:36):
But you're going to spend another nine to ten thousand.
Define hold on, you're going to spend another nine to
ten to see if you do get them.

Speaker 8 (01:34:43):
First of all, I would argue with that.

Speaker 13 (01:34:45):
I mean this, they're going to have to depose all
these original engineers. This thing could be forty fifty thousand.

Speaker 4 (01:34:53):
Yeah, yeah, Joe, I would forget you know. First of all,
I think you prematurely spent attorneys fees and they overcharged you.
So I don't think you're gonna get attorney's fees. That's
my humble. I think you ought to try to get
them to fix it or to pay for the fix,
and you ought to get a You ought to get
an engineer to back up what Bob is saying. Maybe

(01:35:13):
he knows of some. I'm Tom Martino. We have more
coming right up. Go with a sure thing Denver's Best
Roofer Excel roofing dot com. You don't pay a cent
until you're content. Time for an insurance checkup free, no obligation.

(01:35:33):
In comparison, call Compass insurance paying too much your coverage
at dozens of insurance companies. Find out now three all
three seven to seven to one.

Speaker 8 (01:35:41):
Help.

Speaker 4 (01:35:42):
You'll think you're his only customer. When you choose Frank
durand the real estate man dot Com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino, your troubleshooter three three
seven one three talks seven one three eight two five five. Wow.

(01:36:04):
Busy day, Keith. What's going on with you? Keith?

Speaker 22 (01:36:08):
Well, first of all, I want to thank you in
the past for saving me a lot of money and
helping me get out of timeshare.

Speaker 4 (01:36:16):
Oh that's cool.

Speaker 18 (01:36:19):
Yeah, save me a great deal.

Speaker 22 (01:36:21):
Now, I'm seventy five years old. I don't have a computer.
I'm still trying to learn how to use a smartphone.
So that's kind of my background. I rented a car.
I'm not positive about the dates to visit my brother
in Florida in March. They tacked on what they call

(01:36:42):
a thrifty toll. I told them I didn't want that.

Speaker 5 (01:36:45):
They said, what is that?

Speaker 4 (01:36:46):
What is it? What is it?

Speaker 5 (01:36:49):
What it is is?

Speaker 22 (01:36:51):
They tack eleven eighty eight on?

Speaker 4 (01:36:53):
And then what that does?

Speaker 22 (01:36:54):
It gives you a discount to go through all the
toll roads.

Speaker 4 (01:36:59):
Oh, I get it.

Speaker 18 (01:37:00):
Words you pay up front and there I get.

Speaker 4 (01:37:02):
A lot of them down there. Boy, where are you
by the way, where are you going? Is this Florida?

Speaker 22 (01:37:09):
Yeah, I'm not there. I was down there in March
to see my brother, and then the car broke down
after the second day, and then it took me two
days to get a new car, and then they charged
me double and they wouldn't so I couldn't get that
off my card through thrifty.

Speaker 9 (01:37:30):
And here again, what.

Speaker 4 (01:37:31):
Were you trying to get off your card just one day?

Speaker 22 (01:37:36):
There was two days. I rented the car for a week,
and there's two days I couldn't use it. And then
they charged me extra for a new car that worked.
So I gave up on trying to get that off.
That was a year ago. But now I see on
my Discovery card by accident, thrifty toll is charging me

(01:37:56):
a reoccurring charge of eleven eighty eight. And when I
try to call their customer service or try to get
hold of them, they put me in a phone maze
and I wind up going back to the first number.

Speaker 18 (01:38:09):
I went one, two, three.

Speaker 22 (01:38:11):
Four or five, Okay, I went Keith seven phone mazes
to get right back Keith.

Speaker 4 (01:38:17):
I can identify with that frustration. I can One time
I had to actually literally nix my card I did.
Recurring charges are almost impossible to get rid of. Your
credit card company will not get rid of them. They
will not do it unless you instituted the charge on
your online portal, which you don't have. No, they won't

(01:38:40):
get rid of it. They won't get rid of it.
So I'm gonna I'm gonna be look at. I know
you'd like to hear something different, but I'm going to
tell you the truth instead of just trying to make
you happy. The truth is, you have to can you
have to cancel the credit card.

Speaker 7 (01:38:55):
I did an hour ago.

Speaker 4 (01:38:58):
Okay, good, get a new card and forget it.

Speaker 13 (01:39:01):
Oh you should also tell that bank you want it.
Sounds like they've charged you about one hundred and twenty
bucks over a year, right, Yeah, you should be able
to get at least three or four months of that back,
or you can sue drifty car.

Speaker 7 (01:39:15):
Oh.

Speaker 22 (01:39:17):
Yeah, like I said at my age, it's almost not
worth a hassle. That's why I got rid of the timeshare.
Now when I called Discover.

Speaker 4 (01:39:26):
Yeah, you are pretty damn you know I was.

Speaker 8 (01:39:29):
You took the words out of my mouth.

Speaker 4 (01:39:31):
My goodness, he's an old fart man man I can't
believe that. I can't believe that a seventy five year
old actually could find my number and call me. Benson
Hurst four four seven. Please Keith, Keith, you're old enough
to be my friend.

Speaker 18 (01:39:48):
Bro.

Speaker 4 (01:39:49):
We're four years apart, so stop.

Speaker 8 (01:39:52):
Hey, hey, don't lie three years.

Speaker 4 (01:39:54):
Wait, I'm seventy one. What No, you're seventy two. I'm
seventy one, seventy two. I just turned seventy one, so
thank you. But anyway, what is your What year were
you born June nineteen fifty Yeah, and I was born
in fifty three. So listen, you are you are, You're

(01:40:20):
doing the right thing. You're on the right track, by
the way, with your credit card, you are. But Keith,
get a computer.

Speaker 9 (01:40:30):
Yeah, I'm trying to discover.

Speaker 4 (01:40:32):
Said what discover? Said what they said?

Speaker 22 (01:40:36):
Even if they said they're sorry to lose my business,
they gave me a better They gave me two percent.
I would get two percent back on all my purchases
if I didn't cancel my card. They'd lower my interest rate,
which I don't where because.

Speaker 4 (01:40:52):
I hold on, hold on, hold on? Did you tell
them hold on? Did you tell them you would keep
the account if they would stop that charge.

Speaker 22 (01:41:02):
They said, they know they want because ongoing things, ongoing things.
They couldn't promise me that.

Speaker 4 (01:41:07):
You're right, block it, you're right, and even and by
the way, by the way, just so you know, even
if even if you get some kind of a new
card with them, they can go after your new card.
So don't do it. We got to take this break.
We got more coming up. Go with a sure thing

(01:41:33):
Denver's 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 comparison call Compass Insurance Paying too
much your coverage at dozens of insurance companies find out
now three oh three seven seven one help. You'll think
you're his only customer when you choose Frank durand the

(01:41:55):
real estate Man dot com to list your home with
Remax Alliance three nine two zero sixteen twenty two. Hi
Tom Martino, your troubleshooter three all three seven one three
talk three oll three seven one three eight two five

(01:42:18):
five Okay, So what's going on in your life? And
how can we help you? My goodness, gracious, So we've
cleared the calls, we've had a ton of calls. If
you need to get through, give us a call. But
I do have a ton of questions for Brian. People
with condos and town homes are going nuts. One says

(01:42:39):
they have no insurance for roofing. What do they do?
Can they get on a condo their pro rat ashore
share of roofing insurance in a policy like a homeowner's policy? Brian?
Can they do that? Sir?

Speaker 14 (01:42:55):
Most of the people that have lost roof coverage or
where the HOA is basic. We just said they're not
going to have insurance for the property itself. There's a
letter that goes out and informs them they need to
get what's called an HO three policy. You know, a
condo policy is inn HO six, which means it is
just covering the walls in basically is what a co.

Speaker 4 (01:43:17):
Can they buy? If you have a condo and the
condo place has no roof insurance, will they be covered
for their own portion?

Speaker 14 (01:43:25):
Well, it's going to fall again. If it's truly a
condo where you have people above and below you, then
you can't get an HO three. So in those cases
you can get Here's the problem, and this is horrible
advice for you. But the fact of the matter is
you have to read your policy. You can get on
an HO six policy, you can get dwelling coverage. Now
usually dwelling coverage is just going to cover the interior

(01:43:49):
of the unit, but there are policies that will extend
to what you're responsible for, meaning the exterior or the
roof in that case. So there are policies you can get.

Speaker 4 (01:44:00):
Here's the short answer. Call you guys.

Speaker 8 (01:44:02):
Yeah, this series it gets too complicated.

Speaker 4 (01:44:04):
Are you facing a lot of this lately?

Speaker 15 (01:44:07):
Time?

Speaker 8 (01:44:07):
I even have an example of someone that's called today.

Speaker 4 (01:44:09):
Okay, I want to go over that. Three oh three
nine nine six nine thousand is a Compass insurance. We
are three oh three Martino coming back with you right
after this. Go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay a cent until
you're contenth time for an insurance check up free no

(01:44:30):
obligation comparison call Compass Insurance paying too much your coverage
at dozens of insurance companies. Find out now three oh
three seven seven to one help. You'll think you're his
only customer. When you choose Frank durand the Real Estate
man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty.

Speaker 1 (01:44:48):
Two new you come running just as.

Speaker 8 (01:45:03):
Fast as we can.

Speaker 1 (01:45:06):
Shooter's gonna help come Man.

Speaker 3 (01:45:09):
Dix is the Troubleshooter Show. Now, Tom Martine.

Speaker 4 (01:45:14):
Hello, Tom here, Welcome to the show. Three oh three
seven one three Talk seven one three eight two five five.
I don't know why it says standby for the troubleshoot there.
I am okay. Anyway, We are here to help you,
solve your problems, answer your questions, take your complaints, make
your life just a little easier. All you have to
do is tune in and call three oh three seven

(01:45:35):
one three talk or call three oh three Martino three
oh three six two seven eight four sixty six. Let's
talk and see what's on your mind. And we have
Chris who wants to talk about shipping a tractor, and uh,
go ahead, Chris, what's going on?

Speaker 11 (01:45:53):
Yeah, I'm looking to get a tractor hauled from Little
Tin down to Alamosa.

Speaker 7 (01:45:57):
And I'm wondering if you guys have any shipping company.

Speaker 4 (01:46:01):
For that kind, for that kind. I don't.

Speaker 13 (01:46:05):
Actually, I think we had a call similar to this
recently I would call up Potestio Brothers and Parker or
one of their locations and ask them who they use
for shipping.

Speaker 4 (01:46:14):
They ship tractors all over the country. That was yeah,
they man, have they been around a long time and
they've got locations everywhere.

Speaker 13 (01:46:25):
I happen to have to go pick up a part
at one they open one out in Elizabeth.

Speaker 4 (01:46:30):
Yeah. Yeah, there's all kinds of tractor dealers. Potestio is
the big one around here, and they can help you,
probably by referring someone to you. Yeah.

Speaker 8 (01:46:42):
They literally ship everywhere.

Speaker 9 (01:46:44):
Man.

Speaker 4 (01:46:46):
Yeah, that's a great idea. You guys do. All right,
Thank you, Chris, appreciate you calling three oh three seven
one three eight two five five. Ricky, what's going on? Ricky? Ricky?

Speaker 9 (01:47:01):
Hi Tom.

Speaker 23 (01:47:02):
I just wanted to call in and give K and
H windows props up and to their salesman, Todd Keefer,
I bought five windows from this morning.

Speaker 8 (01:47:12):
Great guys.

Speaker 5 (01:47:14):
I bought a bay window.

Speaker 18 (01:47:15):
A while back from I just wanted to give it
Todd up.

Speaker 4 (01:47:18):
Hey, I really you know what, I really appreciate that
because K and H. Here's something amazing about K and
H Home Solutions. Okay, they've been around sixty five years
with three owners. And you know what's great about that.
When Henry sold to Bernie who I knew, and Ted
I've known him for years. They they and Larry was

(01:47:39):
there for a while. They did a great job, and
then they sold to Lee Diamond. He's doing a great job.
They keep that tradition going. So they also have that
beautiful siding and everything. I know a lot of love
hearing this.

Speaker 13 (01:47:51):
A lot of the employees, I don't mean from sixty
five years ago, but from the last few years where
they sold, they're all still there.

Speaker 4 (01:47:59):
It's still the same core people, just like the ownership,
I know it.

Speaker 18 (01:48:03):
Uh.

Speaker 4 (01:48:03):
And for those listening, if your if you're looking for
siding or windows or doors or whatever, they do, they
do it all. Okay, it's K and H Home Solutions
and it's three O three four to one seventy one hundred, uh,
three oh three four to one seventy one hundred Cage
Windows dot com. And I appreciate you doing taking the
time to do that. Mark.

Speaker 13 (01:48:24):
I want to ask Brian something, Brian, this hurricane is
going to be massive in Florida. And I know you
guys don't sell in Florida, but let's just pretend we're
all sitting in Florida. The difference the flood insurance that
people that do have it generally coming from FEMA. My
understanding is the maximum they'll get is two hundred and
fifty thousand.

Speaker 4 (01:48:43):
So tell me if I'm correct.

Speaker 13 (01:48:45):
If your house is flooded forget wind damage other stuff,
but flooded, the most they would get is two hundred
and fifty if they just had the government backed FEMA insurance.
But if the wind came through and like bleue the
off and stuff, then their regular homeowners would step in
for that coverage as long as it's not.

Speaker 8 (01:49:06):
Uh to do with flood. Is that how it works?

Speaker 14 (01:49:09):
Yep, exactly. So those are two different perils. So the
peril of wind would be covered underneath the home owner policy,
you know, with whatever appropriate deductible they have, But yes,
the actual flood would be handled through FEMA. There are
private insurers, at least here in Colorado. I can't speak
to Florida if they don't offer it there or something,
but that you can get higher limits than that two

(01:49:31):
hundred and fifty.

Speaker 13 (01:49:32):
What's amazing to me is there's going to be a
lot of homes that only have coverage for two hundred
and fifty thousand dollars with flood and let's say they've
got a five foot flood certificate and they're looking at
fifteen feet of water coming in. I mean literally, that
will wipe their house away with water. And if it's

(01:49:52):
a million dollar, two million, three million dollar house in Tampa,
my god. I mean, I'm not saying those would be
swept away, because hopefully they have been built recently to
where they're supposed to withstand quite a bit. But I
don't know of anything that's got a five year flood
certificate or a five foot with fifteen feet of water.
I mean literally, it could wipe it away, and all

(01:50:13):
they have is two hundred and fifty thousand dollars to
deal with it well.

Speaker 14 (01:50:17):
And you know, FEMA's the policy with FEMA is also
very limited and what it covers, and so you know,
like FEMA doesn't the FEMA policy doesn't cover loss of use,
so you have to live somewhere else. They're not going
to pay for that. You know, there's like a lot
of limitations dealing with the basement, like it's below grade. Now,
that's not an issue there, I understand, but there's all

(01:50:40):
sorts of limitations to a flood policy.

Speaker 13 (01:50:42):
Now, let me ask you this one in California where
they're having these mud slides and landslides, and you'll see
an entire house literally just go off into the ocean.

Speaker 4 (01:50:52):
You know what I'm referring to.

Speaker 13 (01:50:55):
So I understand the house is gone, and I assume
they have coverage for the house, But the land's gone.
That land that was right on the ocean is now
in the ocean. You don't get anything for that, right,
I mean, it's just simply gone.

Speaker 14 (01:51:11):
Yeah, there's no coverage for land on an insurance policy.
It's you know, that's one of the first exclusions on
any home owner policy as the land itself.

Speaker 13 (01:51:21):
So some of these smaller islands, it maybe I mean
it truly, an entire island could be wiped out with
something like this. There might not even be a place
for people to rebuild, nor a way.

Speaker 4 (01:51:33):
That they could have started way waymark, are they saying
it's gonna be that this is gonna be to.

Speaker 13 (01:51:39):
I have a feeling this is gonna be worse than Katrina.
And let's all remember Katrina. The reason is Chopper actually
put it to the beginning of the show. When we
were talking, it was in a toilet bowl. And the
reason it got so bad is when the levees broke
the entire town is it's below sea level. Now Florida

(01:52:00):
where it's hitting is not below sea level, but they're
talking fifteen feet of water hitting Tampa. I mean, this
thing is going to be devastating. People are going to
be dead left and right. I have no idea how
long it's going to be for power and internet in
everything like that. My parents that are in Leesburg, which
is basically south I think southwest of Orlando, they actually

(01:52:24):
have hurricane warnings in the middle of the state. Tom
It's absolutely insane right now, and trying to get out
of there looks like an absolute nightmare.

Speaker 8 (01:52:33):
Everything.

Speaker 4 (01:52:33):
Well, what are your parents going to do?

Speaker 13 (01:52:36):
Well, they don't have any kind of evacuation orders, so
they're just sitting there. God, it's amazing, man, I mean
it's absolutely amazing. I think this is going.

Speaker 1 (01:52:47):
To be.

Speaker 8 (01:52:49):
I don't know about death toll.

Speaker 13 (01:52:52):
I think over the years, hopefully people get smart and
when the officials say get the hell out, they get output.
For some reason, people don't. But I think this could
be as far as dollars, just absolutely devastating, devastating. I
think a lot of people are gonna lose everything everything.

Speaker 4 (01:53:15):
I saw people today leaving saying goodbye to their home,
knowing it's not going to be there. When you see
the satellite pictures, God, it looks like a freaking science
fiction movie.

Speaker 13 (01:53:25):
And it just went back. One of the things we
were talking about off air with John Fuller. Folks listening
out there, picture this. Remember this area just got nailed
by a hurricane a couple weeks ago. When you get
hit and saltwater gets into your house on these coastal communities,
everything's got to come out of your house. Once saltwater's
in your couch, your carpet, everything comes out, your TVs,

(01:53:49):
everything goes in front of your house, and eventually you
take some pictures for insurance and the dump trucks come
around and they grab everything. The problem is all of
that stuff is still sitting in front of the home homes.
So when this new storm comes through in about thirty
six hours with one hundred and fifty one hundred and
twenty five mile hour winds, it's going to be picking

(01:54:09):
up couches, televisions, all these trash, all this trash that's
been put out front from the last hurricane is going
to be thrown around like nobody's business. So you might
not get flooded, but you might have a couch come
through the side of your house. Bad stuff, man, really
bad stuff. So what are your parents doing?

Speaker 4 (01:54:32):
Well?

Speaker 8 (01:54:32):
There?

Speaker 13 (01:54:32):
Once again, they're very inland I mean or no. But
are they upset. No, they're not upset. They did look
up different places to go. So in their town of Leesburg,
there's three high schools I think they told me I forget,
but all of them are set up with generators in
case of powers gone for a while, and water, hopefully

(01:54:53):
enough water to where if you if you have no
electricity you can at least go down there cool off
in the next couple weeks, get some food stuff like that. So,
I mean, there's a lot of shelters already set up
ready to go with generators and everything.

Speaker 4 (01:55:10):
All right, Brian, I have some insurance stuff coming up
right after this again from condo and townhome owners.

Speaker 13 (01:55:19):
Oh hold on, let me let me even bring that
conversation real quick with Brian into that. I mean, these
people that have condos that are in a place like
this in Florida. I mean, how does that work? Their
possessions are covered by everything what is it, Brian? Everything
inside of the dry wall if you will, or inside

(01:55:40):
of the walls your own insurance covers.

Speaker 4 (01:55:42):
Oh you're talking about for hurricanes?

Speaker 13 (01:55:43):
Yeah, but how does that work? I mean, you know,
let's face it, Tampa, Jacksonville, these places have absolutely gorgeous
You can find a one two million dollar on the
ocean town or a condo people own.

Speaker 4 (01:55:56):
What happens to.

Speaker 14 (01:55:57):
Those well, again, if you're talking about for their personal
property or their drywall inside, it depends on what that
hoa you know, regulation or documents say of who's responsible
for what. But if you want it to be covered
for flood, you've got to get flood insurance for that
as well. They do offer flood insurance for condos for

(01:56:19):
ho sixes.

Speaker 4 (01:56:20):
Wow.

Speaker 14 (01:56:21):
And so if the damage is caused by the flood,
then you would have an exclusion there. If it's caused
by the hurricane, then you have your guess.

Speaker 4 (01:56:31):
I'm going more to this question. I didn't phrase that right.

Speaker 13 (01:56:34):
They had one where the pool deck collapsed in Florida
a couple of years ago, was horrible. A bunch of
people died. It was a big condo, and they ended
up shutting the whole thing down. In other words, they
totaled it. There wasn't enough insurance to fix it. And
then if if a big condo is hit so hard
with this storm to where it's unlivable anymore, what does

(01:56:55):
someone get that live there? I mean, okay, you get
your contents, but it might to cost you a million
bucks for the condo that you can't move back into.

Speaker 8 (01:57:03):
There is no coverage for that, is there?

Speaker 14 (01:57:06):
Well, I mean the HOA should have a policy for
the for the actual exterior that and that would go
to each of the members of each of the unit owners.

Speaker 13 (01:57:14):
Well, that's great if they could actually rebuild it, I
guess if they had enough money.

Speaker 14 (01:57:19):
Well, but if they can't rebuild it, let's say it's
not even possible to rebuild, there's gonna be a settlement
of some kind, whether it be a cash out offer.
But you're right, they're gonna lose money out of that.
I totally agree.

Speaker 8 (01:57:30):
Yeah, I just.

Speaker 4 (01:57:31):
Yeah, Well you always, you always lose equity and a
casualty loss always because equity cannot be insured, and that's
what happened with the fires. You will lose your equity
even if you're adequately insured, because they do not base
it on appraised value. They base it on replacement costs.

Speaker 14 (01:57:53):
Right, So the only reason you wouldn't is if you
rebuild and the value is still there, give it. Value
of the house is higher than what the rebuild cost was.

Speaker 4 (01:58:03):
Yeah, but it's almost impossible. No, you're right, I'm Tom Martino.
We have more coming up. Go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance checkup free,

(01:58:25):
no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now
three oh three seven seven to one Help. You'll think
you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two.

(01:58:46):
Hi Tom Martino, your troubleshooter three oh three seven to
one three talk three oh three seven one three eight
two five five. Brian Burns is with us from Compass
Insurance Group. We're getting a lot of a lot of
questions really, and so the main questions we're getting about

(01:59:08):
condos and town homes. So what they're saying is are
you finding that more and more town homes or condos?
The calls you're getting from people is it because they
can't get insurance at all, or they're ridiculous deductibles or
actual cash value? And it's mainly roof we're talking about
with condos, right, is that the main issue right now?

Speaker 14 (01:59:31):
Yeah, unless it's in a fire risk area, then it's
the entire you know thing is difficult to find insurance on.

Speaker 4 (01:59:37):
But yes, it's more than homes.

Speaker 8 (01:59:40):
Well, so because it's just a big exposure there, you know.

Speaker 14 (01:59:44):
And yeah, yeah right, yeah, yeah, yeah, So yeah we
hear from me because that's.

Speaker 4 (01:59:50):
Like one insured, that's like one company having the entire neighborhood.

Speaker 14 (01:59:57):
One hailstorm destroys it, all right, and so it's it's
become you know, very difficult to find insurance for hoa's
that is affordable for them. And that's the point, you know,
you'll what they used to pay, you know, a decent
size HOA would have paid maybe one hundred thousand for
premium is now being quoted you know, six hundred thousand,

(02:00:17):
and they're going to have a deductible of you know,
two million across the entire thing, and so they just
they they've got to pass that or that's what they've
done is pass that on to the individual unit owners
and said, you know, you need to get insurance to
cover yourself from these deductibles.

Speaker 8 (02:00:37):
And that's where that loss assessment comes.

Speaker 4 (02:00:39):
In at PITDD. You have an insurance question.

Speaker 12 (02:00:42):
Yeah, Brian, Yeah, Brian, speaking of condos, I just looked
at the renewal paperwork for my condo policy, and specifically,
there's an option that I purchased there. It's called Equipment
Breakdown Coverage and it's from one of the big national carriers.
And I looked on their website and it says that
protects my equipment such as air conditioning in my case,

(02:01:02):
a heat pump. But then there's also a section that
says normal wear and tear is not covered.

Speaker 4 (02:01:07):
I know, right.

Speaker 12 (02:01:08):
So my question is when things wear out, they break down,
and so this information seems to be in conflict with
each other.

Speaker 8 (02:01:16):
Am I covered or not?

Speaker 14 (02:01:17):
Yeah, here's the problem, and Tom, you and I have
talked or it's like warranty service, the home services warranties.

Speaker 4 (02:01:25):
They suck the home the like the Blue Ribbon policies
and all that normal wear and tear is not covered.
Owner abuse not covered, lack of maintenance not covered. Do
you realize that that's ninety eight percent of everything?

Speaker 8 (02:01:35):
Yeah, that's why I'm asking what am I covered for?

Speaker 4 (02:01:37):
For catastrophic failure for no.

Speaker 14 (02:01:39):
Reason, sudden, direct, and accidental? That's what that's like? What
which is almost nothing?

Speaker 4 (02:01:45):
Asking almost nothing? Almost nothing? You're answering the question is
why I do not recommend home warranties.

Speaker 8 (02:01:51):
Oh, it's not a warranty, it's actually insurance.

Speaker 4 (02:01:54):
I know it's not, but it's the same thing.

Speaker 8 (02:01:56):
This is ridiculous.

Speaker 13 (02:01:57):
Yeah, but honestly, Brian, give a real example of what
would be covered under that.

Speaker 4 (02:02:03):
I don't know. How is my air conditioner?

Speaker 13 (02:02:06):
Like someone takes a baseball bat to his air conditioner?
Wouldn't that be covered anyhow? Under normal homeowners?

Speaker 14 (02:02:13):
Well, and yeah, to your point, like a lightning strike,
but that that would be lightning and that would be
covered by the policy.

Speaker 8 (02:02:20):
Anyways, I really.

Speaker 4 (02:02:21):
Can't there there aren't many.

Speaker 13 (02:02:23):
Yeah, I would be covered that wouldn't be covered by
your astrophic breakdown. Yeah, but that's that's covered by your
normal homeowners, isn't it.

Speaker 8 (02:02:32):
Well, let's say no, it's not.

Speaker 14 (02:02:34):
Let's say a refrigerator just goes out for no reason.
It's it's not old, it hasn't shown where in tearor
it's it's sudden and accidental. Something happens. You can put
a claim in for that, and that could be something
that could be covered.

Speaker 4 (02:02:46):
Or the compressor.

Speaker 12 (02:02:47):
Yeah, so my compressor breaks down, that's covered.

Speaker 8 (02:02:50):
Well, it breaks down as it just depends on what happens.

Speaker 4 (02:02:54):
If it's a lack of maintenance, well, there is no
maintenance for a compressor. So let's say it's normal wear
in tear. No, if it's just old, no.

Speaker 8 (02:03:01):
Yeah, if it's ten years old and it goes out
and it's there.

Speaker 4 (02:03:03):
Are things, there are things that break. Okay, there are
things that break, but it could happen, but very seldom.
That That's why I'm telling people when you pay, And
what I hate more than that is that pre existing
conditions normal warrant here, right, So that that means you
don't know if it's covered or not until it breaks down.
So they're telling you pay now and find out what

(02:03:26):
we cover later.

Speaker 12 (02:03:28):
Yeah, I think I'm not gonna like that answer.

Speaker 8 (02:03:30):
If I ever have to find out get it.

Speaker 13 (02:03:31):
I know someone that would if something did break, I
know someone that could argue it and most likely get
you paid.

Speaker 4 (02:03:37):
Though, who's that, Matt, Oh you mean paragram? Well if you're, yeah,
but are you gonna call them on a compressor.

Speaker 12 (02:03:44):
For a refriger it's a ten thousand dollars. My neighbors
replaced the heat pump. It costs ten thousand dollars.

Speaker 4 (02:03:50):
It's a bit well that's different the heat pump. And
but you know what, that sounds a lot like a
warranty to me. It does not sound like insurance. In fact,
i'll bet you if you read it, it's not insurance,
because insurance that's not insurance.

Speaker 14 (02:04:03):
Isn't well, there is tons of policies that you can
put an endorsement for equipment breakdown.

Speaker 8 (02:04:09):
Okay, that is something, but they're actually insurance.

Speaker 14 (02:04:13):
It will not cover anything other than a sudden, direct
and accidental loss, and so overall wear and terror is
always going to be excluded. And that's where the problem
comes into play. What's what happened?

Speaker 12 (02:04:23):
That's all I'm worried about. I'm not going to back
my car into it, it's something.

Speaker 13 (02:04:27):
Does that line coverage work that same way like what
I have?

Speaker 8 (02:04:30):
Brian, No, you mean service line?

Speaker 4 (02:04:33):
Yeah, because I'm saying it's not sudden.

Speaker 14 (02:04:35):
Service line is one of those really outliers, one of
those bizarre coverages and insurance where they do pay wear
and terror. Okay, it is covered if a route goes
through it, if it's something that happens, if something happens
to it, it will cover, you know, replacing that line
up to whatever that dollar a matter.

Speaker 13 (02:04:53):
How many times do you see someone actually have a
claim on line coverage all the time.

Speaker 8 (02:04:58):
One of the most common claims.

Speaker 4 (02:05:00):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com. You don't pay a cent until you're content
the time for an insurance check up free no obligation
comparison call Compass insurance paying too much your coverage at
dozens of insurance companies find out now three all three seven,
seven to one help. You'll think you're his only customer

(02:05:22):
when you choose Frank durand the Real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi'm Tom Martino,
here three oh three seven one three talk seven one
three each five five. Melanie, you have a story about
a condo in Tampa.

Speaker 20 (02:05:39):
What's going on, Hey, Thomas, Melanie Rince. I just wanted
to call and give a shout out.

Speaker 4 (02:05:44):
I have.

Speaker 20 (02:05:45):
My daughter is a junior at University of Tampa and
this is the third time they've had to evacuate for
major storms. This one, this one they were going to
ride out, you know, they thought, because the other two
didn't hit. But thankfully they came to their senses. But
I just wanted to give a shout out. And you know,
there's a lot of people in need down there.

Speaker 6 (02:06:03):
But these girls, these four girls.

Speaker 20 (02:06:04):
Are in this rinkety dank suv headed headed wherever they
can to high Land. But they actually went and the foster.
There's a dog foster fostering center near the university and
they put it out a call if anybody can come
pick up a dog to foster it. During the story,

(02:06:26):
world went yeah, So the girls went and picked up
one German, beautiful German shepherd. Her name is Maryland and
she's traveling. But then they called the girls back and
said that another, uh, another foster person returned Maryland's twin
sister France. Oh another the other German shepherd, and could

(02:06:47):
the girls come back and get Franny too. So we've
got four girls, four nineteen year old girls in a
rinketying suv with two giants German shepherds.

Speaker 4 (02:06:58):
Where are they going?

Speaker 20 (02:07:00):
Well, they went to Georgia University of Georgia and they
got there and they were going to stay at another
friends sorority house. But they can't have the dogs. So
now they're headed to North Carolina.

Speaker 4 (02:07:12):
Holy crap, they're really getting out of there.

Speaker 20 (02:07:16):
Yeah yeah, I mean there's just nowhere. There's no hotels,
there's no and so they're just driving.

Speaker 6 (02:07:20):
Anyways.

Speaker 20 (02:07:20):
I just wanted to share the story.

Speaker 4 (02:07:21):
Because it is Oh Melanie, my goodness, what good souls
to go and rescue two dogs. Now are they going
to bring the dogs back after the storm? What's this?

Speaker 11 (02:07:33):
Oh?

Speaker 4 (02:07:33):
Yeah yeah, really what they're going to start loving them? Melanie?
Thank you, thank you very much. Okay, Ernie has an
insurance question, Ernie, go ahead, we got compass with us today.
Go ahead.

Speaker 7 (02:07:46):
It's Tom.

Speaker 19 (02:07:47):
I have a stream baller and uh it's a the
lines that takes the steam up to the radiators.

Speaker 4 (02:07:55):
Are yeah, yeah, yeah, yeah, insurance those well, well, insurance
doesn't cover any of that. Well, it depends what happens
to it. Well, Mark, give me an example of where
a boiler covered someone breaks in and beats it up
with a baseball. Come on, Ernie, Ernie, what we're talking
about is normal insurance does not cover breakdowns. Okay, amazing,

(02:08:19):
is that what you're asking about.

Speaker 11 (02:08:21):
I'm talking about the lines as the leak.

Speaker 14 (02:08:25):
Okay, if the line breaks, So what would happen with
insurance is the damage caused by the leak would be covered,
but they wouldn't cover the actual machinery or the line
itself to be fixed.

Speaker 8 (02:08:36):
But they would fix they would have to pay for
the damage.

Speaker 13 (02:08:39):
Car of course, that could be something that that other
person's insurance would cover. Though, right that last caller we
had where the actual insurance company had a policy on
his boiler system.

Speaker 4 (02:08:52):
On an equipment.

Speaker 14 (02:08:53):
Breakdown, there is specific coverage for boiler insurance, like it's
a commercial type of policy, got it. And those are
more comprehensive than talking about like the you know, equipment
breakdown that way.

Speaker 4 (02:09:05):
But but even with equipment breakdown, remember it has to
be such a distinct breakdown. Hey, Charlie, what is your
question for Compass?

Speaker 9 (02:09:19):
Charlie, Yes, yes, can you hear can you hear me?

Speaker 4 (02:09:22):
Yes? Yes we can, sir.

Speaker 7 (02:09:26):
Okay, So I just had a question. My mom's insurance
went went from like nineteen hundred dollars a year on
her house to forty eight hundred what.

Speaker 4 (02:09:39):
Wait wait wait wait wait wait wait wait wait more
than doubled. Yes, but but test she had a lot
of claims.

Speaker 7 (02:09:50):
I mean she had a water backup claim. I'm back
two years ago.

Speaker 4 (02:09:59):
What about a roof?

Speaker 7 (02:10:01):
Her roof was replaced back in twenty twelve. But it's
not a.

Speaker 4 (02:10:05):
Class for that's okay? Did you Ryan shot?

Speaker 7 (02:10:10):
What's that?

Speaker 4 (02:10:10):
Did you shop around to other companies?

Speaker 7 (02:10:14):
I've got a quote from USA, she's with Travelers. They
got a quote from the USAA and a quote from
State Farms.

Speaker 4 (02:10:21):
You better do the insurance checkup.

Speaker 13 (02:10:23):
By the way, Yeah, it's free, and you're going to
have like twenty companies.

Speaker 4 (02:10:26):
Man through Compass, I mean or yeah, it's free, there's
no obligation.

Speaker 7 (02:10:34):
Well, but what I'm being told is that the insurance
companies now are looking at aerial views and if you
have this house is almost eighty years old.

Speaker 13 (02:10:47):
That could be true, but it still doesn't matter. They're
still calculator.

Speaker 4 (02:10:51):
They're doing aerial views and doing what tell.

Speaker 7 (02:10:53):
Me what aerial views? And if you have trees over
your roof that they just basically don't want to ensure.

Speaker 14 (02:11:00):
They'll just require it be trimp back. I'm guessing is
what is what would happen if they did earl of
view they would say these these Yeah, they don't want
branches touching your roof.

Speaker 18 (02:11:10):
Yeah, but you shouldn't.

Speaker 13 (02:11:11):
I mean, that's common sense though, right guys, yes.

Speaker 4 (02:11:15):
Right, Why don't you call them though? Three oh three
nine ninety six, nine thousand, for the hell of it.

Speaker 13 (02:11:22):
And seriously, and let us know.

Speaker 4 (02:11:25):
Now, coming up, we'll discuss Valencia apartments, which, by the way,
it's Valencia condos. They believe the Club of Valencia. It's
it's been the worst thing I have ever heard of
in my life. And they need to get they truly
need to get a public adjuster mark. When you hear
the story, I'll go over it again. It is unbelievable.

(02:11:48):
More coming right up, Hi, Tom Martino here three three
seven on three talk Anastasia. Were you living in Club Valencia?

Speaker 2 (02:12:03):
Hi?

Speaker 15 (02:12:04):
No, I was not living there.

Speaker 2 (02:12:05):
I own a unit there.

Speaker 4 (02:12:07):
And you were renting it out unit God, I want
to explain what's going on? Did you guys? Did a
start with a fire?

Speaker 15 (02:12:17):
It started with one fire in November of twenty two.

Speaker 4 (02:12:21):
And then they found asbestos? Is that right?

Speaker 2 (02:12:24):
That's correct?

Speaker 4 (02:12:26):
And has in it? Sat that vacant the entire project?
Didn't they vacate it?

Speaker 18 (02:12:34):
Yes?

Speaker 4 (02:12:35):
And how many owners were displaced?

Speaker 15 (02:12:40):
There were one hundred and sixty four units affected after
the second fire. The first fire included eighty units. The
second fire included the balance of the others to be
boarded up in chain linked. Are you closed up from

(02:13:00):
that point forward?

Speaker 4 (02:13:02):
Now here's the deal. Not only are they displaced, Brian,
but there's all kinds of lawsuits going on and the
insurance companies are not paying. Right, you didn't get paid,
did you? Anastasia correct? No one's paying anything? Did they?
What is the HOA doing? Did they get together to
hire a public adjuster or something?

Speaker 15 (02:13:25):
They did the AKA they had a public adjuster.

Speaker 4 (02:13:28):
And is the public adjuster? Well, is the public adjuster
doing anything?

Speaker 15 (02:13:34):
He's being very proactive on behalf of the HOA and
the owners. He has good advocated with a Rapo County
to have the value of the property reflect what has
happened so that property owners are no longer paying on

(02:13:55):
the full value.

Speaker 4 (02:13:56):
Well, what's going to happen, anaesthesia? Are our insurance company?
Is the insurance company going to finally pay?

Speaker 15 (02:14:05):
It depends on the outcome of the current lawsuits.

Speaker 4 (02:14:11):
Why is the insurance company refusing to pay? To begin with?
Why did they not pay.

Speaker 15 (02:14:19):
The master carrier? It's my understanding the master carrier use
some technicalities in the coverage to deny payment. We like,
what do you remember something to do with the smoke alarms?

Speaker 13 (02:14:39):
Oh, like they had to be up to a certain
criteria in order for the coverage to kick in.

Speaker 4 (02:14:45):
Yes, Brian, have you ever heard of that their fire
reduction equipment is not proper? It's or fire prevention whatever.

Speaker 14 (02:14:53):
It's very hard to imagine that there was a clause
in there that if you didn't have a smoke alarm
up to date, that they can Who is who was
the insurance carrier?

Speaker 15 (02:15:03):
You know, I'm not sure the name of the carrier.
They are out of another state.

Speaker 4 (02:15:10):
Well, what about your individual what about your individual policy?

Speaker 15 (02:15:16):
Well, in my own case, and I can't speak for others,
but let's.

Speaker 4 (02:15:22):
Get her up in the morning. Tom, I want to
get you back on We got to talk about this issue,
and I'd like to get Matt's perspective on it as well.
And maybe you can give us the number of your
public adjuster. I'm Tom Martine. Don't forget your free insurance
check up with Compass Insurance Group and that's three h
three nine nine six nine thousand. Save all your problems
for me.

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