The Troubleshooter 11-12-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped up.

Speaker 2 (00:07):
News. You don't have you come running just as fast
as we can.

Speaker 1 (00:15):
Shooter's gonna help come, man.

Speaker 3 (00:19):
This is the Troubleshooter Show. No, Tom Martinez.

Speaker 4 (00:23):
Okay, I'm at the Mothership today along with my colleague
Mark Major Major Mark Major, and we're sitting in the
presence of greatness. No, not Deputy Doc. We're talking about
Mark Schmansky, and we're talking about Genesis Total Exteriors dot Com.

Speaker 5 (00:45):
He has done such great work for Susan and I
over the years. In fact, I'm glad to say this too.
We have come to be pretty good friends with Mark
and his wife. In fact, we go to some games
together and stuff. But it all started with the business
relationship and how great he did.

Speaker 4 (01:03):
I mean, it was crazy. We were just talking off
the air. So I get texts and emails and I
put them in folders according to the category, so I
have something to talk about if calls are light or whatever.
And speaking of calls, I'll go to that right now,
and then I put together some stuff that I hope
Mark can answer on home improvement issues. And welcome Keegan though.

(01:27):
Let's talk to Keegan. You have an issue with a
car sale or the car itself. Keegan helped me out here, bro,
what are we talking about?

Speaker 6 (01:38):
It's with the vehicle as Oh.

Speaker 4 (01:39):
I'm sorry, Keegan is a female name. Okay, ke go ahead.
The vehicle itself. What's going on?

Speaker 6 (01:46):
So I purchased it September sixteenth from a dealership. Yes,
and I want to say, like six days maybe after
I got it it was undrivable.

Speaker 4 (01:57):
Did you have it again? You know, I don't want
to sound like a broken record, but I really want
to emphasize this for people. Did you get it checked
out before you bought it?

Speaker 6 (02:10):
Unfortunately I did not?

Speaker 4 (02:11):
Okay, So you were taking the guy at his word
that it was good or tell me how that worked?
Tell me if you had any ideas at all. I
just want to know, like the you know, how it
all started and why you didn't get it checked Okay, good,
thank you? So tell me about that you walked on
the lot. You walked on the lot? I mean I
really want to hear the down and dirty. So you

(02:33):
walk on a lot and what happened? You saw a
car you liked or did somebody come up?

Speaker 7 (02:37):
Is it?

Speaker 4 (02:38):
You know? The At what point did you decide I'm
going to get this twenty eighteen Dodge Durrango. Were you
looking for a Durrango?

Speaker 8 (02:47):
Yes?

Speaker 4 (02:48):
Okay? And then what did you have any question whatsoever
about warranties or if something's wrong with the car? How
many miles on it.

Speaker 9 (03:00):
Currently?

Speaker 6 (03:00):
When I bought it, I had ninety five, but currently
it had ninety six.

Speaker 4 (03:04):
Okay. Now again this is not pointed at you. This
is this is for people listening. So you decided you
wanted to buy it, was used almost one hundred thousand miles,
and you decided to buy it. And what happened six
days later?

Speaker 6 (03:22):
The water pump broke and the coolant reservoir needed to
be replaced, as well as the They upgraded the oil
aluminum kit in it.

Speaker 4 (03:37):
Okay, these are common things, especially the water pump. At
this age of a car. I want to tell you
what's going to happen. You will have problems with this car,
for sure. You need to be absolutely What I would
do if I were you is not stop at the
water pump. I would take it to somewhere I know

(03:59):
and trust, and I can give you a name, and
I would go through every milk and cranny of that
car and get things zero timed. I call it zero
timing means from the day you buy it, it's now
zeroed out all of the oils, all of the coolant,
all of the fluids, all of the everything you need

(04:21):
to do to a car, do belts, hoses, any sign
of where get it done? So now you know from
where you start. That's going to be the wisest thing
you can do. But Keagan, this this water pump was
not the only problem. I take it. What else happened.

Speaker 6 (04:39):
After I got it fixed and filed acclaim with the
service contract that I.

Speaker 4 (04:44):
Purchased the service contract. I didn't realize you bought one.
How much did you pay for that?

Speaker 6 (04:51):
Three four hundred and then a six hundred four gap?

Speaker 4 (04:57):
Okay, so spent over four grand on just extras.

Speaker 5 (05:04):
Yes, and she might be able to get some money
back on that stuff at this.

Speaker 4 (05:10):
Point, you mean on the on the on the mop
and glow, on the extra stuff. The purchase was made.
The actual date of the purchase was when.

Speaker 6 (05:20):
Keegan September sixteenth.

Speaker 4 (05:23):
September sixteenth, So Mark, what Mark is talking about is
trying to get money back for stuff you bought on
top of the purchase. Because service contracts on used cards
are usually useless and gap insurance. You would have saved
money doing it through your regular insurance company. But it's

(05:44):
it's you know, they talked into it and you spent
four grand. So right now, did they tell you they're
going to cover the problem or not?

Speaker 6 (05:55):
No, they covered the first claim, but now it.

Speaker 4 (05:57):
Needs How much was that first? And they covered.

Speaker 6 (06:02):
The first quaim was two thousand and eight hundred and
they did reimburse me.

Speaker 4 (06:06):
No, my bad, They're not going to refund something she's
already used like that. Now, yeah, so you both, well,
at least you got something. Now what else is wrong
that they won't cover because she met an engine? What
was the first thing? I'm sorry I miss that.

Speaker 6 (06:25):
So the warranty said that they would prefer to put
a new engine in it rather than the head gaskets.

Speaker 4 (06:30):
Since I'm surprised. I'm really shocked that they're saying they
would even cover anything on that head gasket thing, because
I would think they would call it a pre existing condition.

Speaker 5 (06:42):
So they did the head gasket? Is this correct? And
this is my dad was? I was typing something for
the sake of clarification.

Speaker 4 (06:51):
They did the water pump repair and all of that right, yes,
and I'm surprised actually got that. So what did they pay?
They paid nearly right, yes. Then you picked it up
and what happened?

Speaker 6 (07:06):
Then I picked it up and it started blowing white
smoke like right away with idling, very rough, not right away,
probably two days later.

Speaker 4 (07:15):
Okay. So then you brought it back and they said
it needs an engine.

Speaker 8 (07:21):
Yep.

Speaker 6 (07:21):
I took it to the dealer's Dodge Ram dealership that
they told me to take it to, and then they
just denied the claim for it being pre existing.

Speaker 4 (07:30):
Okay, that's right. So you heard me say that's what
they were going to do. So it is pre existing,
and I, in fact, here's the problem. When we're real
quick mark, almost everything at one hundred thousand miles true
is pre existing, So calling it pre existing is natural
and and that's why these things never work on a

(07:51):
used car. What were you going to say, well, what
kills me here?

Speaker 5 (07:55):
She bought something and they put her under the impression
that tear's warranty that'll fix anything, and the warranty doesn't
fix anything. I think they need to undo the deal
because it was pre existing, and they assured her if
she got the warranty, it would fix this stuff.

Speaker 4 (08:13):
What do they say about this whole mess that? What
did you give the name of the dealer from? You did?

Speaker 8 (08:20):
Right?

Speaker 4 (08:21):
And how long was it?

Speaker 10 (08:21):
Tom?

Speaker 4 (08:22):
How long after in September? She bought it and then
the water pump went out just a week or so later? Right?

Speaker 11 (08:30):
Yes?

Speaker 4 (08:31):
And what's the name of the dealer Denver card Choice,
Denver Card Choice. And what do they say they're going
to do for you? I mean, come on, you bought it.
You bought a freaking you bought a freaking truck or
suv not more than a few months ago, and it
needs a whole new engine and they're not going to

(08:51):
pay for it. How much is this going to cost
you to do the head gaskets if you did them
right now?

Speaker 6 (08:59):
About three thoul than four hundred. But they would rather
not do the head gasket.

Speaker 4 (09:03):
Well, it's not their choice anymore. You're paying for it. Yeah.

Speaker 5 (09:07):
The problem with even her paying for it is the
bottom end could be ready to go, so you basically
put all the compression back up at the top. She
might blow the bottom out and just wait, it's thirty
two hunderd bot.

Speaker 4 (09:20):
That's what it sounds like to me. We need to
get it somewhere that where we trust the people we
would like to I would bring it to share it
an auto tech or to camera transmission. Where is this?
Where is it right now? You said they had you
take it to a dealer.

Speaker 6 (09:38):
Yes, it's at Johnson's Auto Size.

Speaker 4 (09:41):
Like, oh, you're way up there? Okay, hands on Auto Tech?

Speaker 7 (09:46):
Uh?

Speaker 4 (09:46):
Tom, hands on Auto Tech. That's the name of the place.
Now where you say they are up in Mead? Right?
How far are you from Mead?

Speaker 6 (09:56):
I don't believe that's too far. I think I'd say
like maybe thirty five forty.

Speaker 4 (10:00):
Yeah, it's way easier than coming down to Denver. Is
it drivable?

Speaker 6 (10:07):
Unfortunately it is not. The dealership will not help me,
and I can't get through to a manager before.

Speaker 4 (10:16):
What do you mean the dealer won't help you? What
did you need them to do?

Speaker 6 (10:21):
The warranty company said that it's the fault of the dealer.

Speaker 4 (10:25):
What's the fault of the dealer? What's the fault of
the dealer? That they probably should have never sold the warranty? Right, Well,
you're talking about the car dealer that Denver Car Choice.
They're saying they should have never sold her. The warranty
is all they're saying, Yeah, so Denver Car Choice. Let's
get them on the phone, Kelly, or let's see if

(10:47):
we can get Denver Car Choice on the phone to
find out what they're going to do with a customer.
They sold the damn truck to or an suv in
September and now it needs a new engine and they're
telling you to pound salt. I mean you got to
get it somewhere. I mean, right now. Where is it
sitting right now?

Speaker 6 (11:05):
It's that Johnson's Auto Plaza exactly?

Speaker 4 (11:09):
Is that the actual name of the shop, Johnson's Auto Plaza? Okay,
let me verify.

Speaker 6 (11:15):
I believe it is. I have it pulled up, preacher. Yeah,
it's called Johnson's Auto.

Speaker 4 (11:20):
Now do they have your engine? Do they have it?
And I'm not so sure they're not They're a bad
company at all. I just I mean what Mark said
is true. What happens? And I'm running over time, But
what happens if you spend this money? Let's just say
you do and then it blows out the bottom. Let's
get Kevin on as an expert. I want to ask
him a couple questions on this. Hang on, okay, Kegan,

(11:42):
and we're going to try to figure something out. I
don't know what we can do, but we will try
to figure something out. Hey, Bill, a question on homeowner's insurance.
We will take you coming right up. Okay, I'm Tom Martine.
We have Genesis Total Exteriors in the house. Today. Mark
Shamanski will be talking about home home improvement and speaking
of homes. Frank Duran, the real estate man, will do

(12:04):
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(12:26):
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(12:47):
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I'm Tom Martino, your troubleshooter. Loved doing the show for

(13:09):
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You know, so, Keenan's telling us. Keegan is telling us

(13:29):
about an eighteen Durango and she bought it with ninety
five thousand miles. It was eight Oh is it an
over I don't remember anyway, Kegan Keegan? What year was it?
Is it a twenty eighteen? Yes, okay, twenty eighteen with
about ninety five thousand miles And she's had nothing but
trouble it needed. At least they paid for a water

(13:50):
pump under the extended warranty. But now she needs a
head gasket, which basically, at this age of a car
means the engines could be blown, and I don't know
if i'd invest.

Speaker 5 (14:01):
The dealer needs to undo this, and I'm going to
explain to everybody why. And I'm sick of this argument
that I have all the time with dealerships. If you
go to CCR two ten dash two, and that's Colorado
Department of Revenue Auto Industry Division, and it's one of
their rules for motor vehicle dealers and salespersons, and I'm

(14:24):
going to read it verbatim. Okay, Warranties and service contracts
fourteen dot one. A dealer who sells a service contract
or extended warranty is responsible for ensuring the contract is
honored in coordance with the terms. Then it goes on
to say fourteen point three. If a service contract is

(14:47):
denied due to pre existing conditions, the dealer must provide
documentation showing the condition existed prior to the sale and
it was disclos to the purchaser, so they better have
a disclosure signed by her that it needed an engine

(15:08):
or a head gasket.

Speaker 4 (15:09):
I love that part of the bill, and a lot
of people never go that deeply into it. I want
to talk to Kevin Calk and Kevin yt hey Man
on a twenty eighteen Dodge dur Ango of it needs
a head gasket. Mark mentioned doing a head gasket may
blow out the rest of the engine. Can that happen
from restoring compression?

Speaker 2 (15:28):
No?

Speaker 12 (15:29):
Not necessarily. With that in ninety five thousand is pretty
good mileage to work on. You know, my concern would
be is that overheating from the water pump is what
caused the head gast. You know, the leaky water pump
caused a low coolant level, which caused overheating, which may By.

Speaker 4 (15:46):
The way, do you recall any overheating, Kegan, do you
recall any Yes?

Speaker 6 (15:52):
When I took it in, they already said that it
had severe overheating. That's what did it why the cooling
reservoir needed to be replaced.

Speaker 4 (16:00):
But if that was the case, then the warranty should
cover it, because it happened right then and there. What
did they say was pre existing the bad head gasket?

Speaker 6 (16:11):
No, I wasn't aware that it had any pre existing issues,
just the warranties.

Speaker 8 (16:16):
No.

Speaker 5 (16:17):
But what I mean is when they denied it, what
are they saying was pre existing?

Speaker 2 (16:21):
Yeah?

Speaker 4 (16:22):
What did the what did the warranty company say, We're
not going to pay for it, because.

Speaker 6 (16:28):
We're not going to pay for it because all of
the issues I'm having are pre existing.

Speaker 4 (16:34):
That's all.

Speaker 5 (16:35):
Look, either the warranties had followed, the dealer's got to
undo it. The dealer needs to step up and prove something.

Speaker 4 (16:43):
Kagan, did you write down that law that we were
talking about.

Speaker 11 (16:47):
Uh?

Speaker 6 (16:48):
No, would you mind repeating that so that I can.

Speaker 5 (16:50):
Yeah, and I'm going to send it to you. But
the bottom line, I want people to understand this. If
you buy it now, if you dial the eight hundred
number on a TV commercial and buy your own service contract,
none of this supplies. This is when you go to
a dealer in Colorado and you purchase a used vehicle
and they sell you a used vehicle service contract or warranty.

Speaker 4 (17:15):
Okay, so you have to tell them, Kegan, that it's
based on what they did. It's not Sunpie in the sky.
This is what they did. They sold you that warranty
and therefore mark Therefore.

Speaker 5 (17:26):
Therefore, if they did not tell you there was a
pre existing condition and have documentation that you signed, then
they need to let you.

Speaker 4 (17:36):
Out of this deal.

Speaker 5 (17:37):
Her biggest fight, as you know, is they're going to
say it wasn't pre existing.

Speaker 4 (17:41):
And if it wasn't pre existing, then they got to
get it to cover it be covered by the warranty.

Speaker 5 (17:45):
Then the warranty companies at fault. But the dealer, Mark.

Speaker 4 (17:49):
Scott, Mark Scott him in a catch twenty two with
this because if they say, Keegan, this was not pre existing,
then they need to fight the warranty company need to
get it covered. If it was pre existing, then they
should have let you known about it. And you know, Mark,
I don't does that go for I don't think that

(18:10):
goes for all as is sales. That's just for when
you sell a warranty, right, that's the only thing.

Speaker 5 (18:15):
Because they are selling it and now we've had this
conversation over the years. They're presenting it as a vehicle
with a warranty, right, and their profiting from the warranty.

Speaker 2 (18:25):
And if the.

Speaker 4 (18:26):
Warranty isn't in effect because of a pre existing condition,
they warned you. They have to show that they warned you.
You understand all that, Keagan to go after to talk
to them about this. And here's what I want you
to do. We're gonna send it to you.

Speaker 5 (18:40):
Yeah, email us at help at Troubleshooter dot com and
I'm gonna send this information back.

Speaker 4 (18:46):
To you and then then you need to reach out.
They're not even they're not even calling your back. Did
we try to reach out to them?

Speaker 2 (18:54):
We did.

Speaker 13 (18:54):
I just talked to you Vince from sale.

Speaker 4 (18:56):
And what did Vince say?

Speaker 13 (18:58):
Vince was very aware of Keegan's predicaments, okay, and they
said that they were going to get the owner on
top of this. He put me on a brief hold,
came back and hung up on me.

Speaker 5 (19:12):
He hung up on you. You know what, we got
to light these guys up. I gotta be honest, these guys.
I'm sorry, Kelly. We were saying something to each other,
so you talked to him.

Speaker 4 (19:22):
He was aware? Then what?

Speaker 14 (19:24):
Yeah?

Speaker 13 (19:24):
He was aware, and then he placed me on hold
to see if he could get somebody to talk to.
And he came back on the phone and then he said,
this is going to have to be handled by the owner.
And I do have the owner's game.

Speaker 4 (19:39):
His game is a bod. So is he going to
call you? Is that where we left it? Nope?

Speaker 13 (19:43):
He hung up on me, and he said that they
would contact Keagan directly.

Speaker 10 (19:47):
Oh my god, all.

Speaker 4 (19:49):
Right, listen, I want you to call there and ask
for the owner Keagan, and I want you to tell
him what we found. Keagan.

Speaker 5 (19:55):
Actually, I want to do this two parts. I want
you to email help. I'm going to send this back
to you. In fact, I'm going to draft an email
for you with this information. I want you to send
it over to them. Mark Great, then call. I want
them to be staring at this, then call.

Speaker 4 (20:12):
That's a good idea. So hold on, Kegan, We're going
to try to help you with this bill. What's going on?
And by the way, Kevin sharedan autotech thank you so
much for being here. We appreciate it. That's sharedan autotech
dot com.

Speaker 5 (20:26):
Hey Kevin, real quick, when do you worry about doing
a head gasket and then blowing out the bottom man?
Like two hundred thousand miles. At what point are you
going to say there's no way. I just remember back
in the day, I bit a couple of them because
we did head gaskets and the entire engine blew out
within four or five months.

Speaker 12 (20:45):
It's not necessarily myles Base. You got to look at conditions.
I mean, is the oil completely mixed like god shake,
then you got a problem. If it's just a little
overheating from steam. You know, I wouldn't be overly concerned,
but yeah, you got you gotta look it over pretty close.

Speaker 4 (20:59):
Thank you very much, Sharing and Autotech dot Com. Now, Bill,
what's going on with you?

Speaker 11 (21:05):
Yeah?

Speaker 15 (21:05):
Hi Tom, Hi Bill?

Speaker 4 (21:07):
What's going on?

Speaker 15 (21:08):
Manu? I have a a landlord residential policy with Safego.
They covered a plumbing leak repair that was in the
crawl space.

Speaker 4 (21:21):
And what kind of plumbing leak was it?

Speaker 15 (21:25):
Basically they had two copper pipes that were touching each
other that went up to the shower diverter valve and
created a pinhole.

Speaker 4 (21:34):
Okay, and they fixed they fixed the pinhole. Well, they
don't fix the plumbing problem, but what they'll do is
fix the damage. Correct, Okay.

Speaker 15 (21:43):
They fixed the sub floor and the sub floor right, okay.

Speaker 4 (21:50):
And that's what's that's what's supposed to happen. So and
what's the name of your insurance company. It's Safego, Okay,
So what what's going wrong right now?

Speaker 15 (22:02):
So basically, when the cross space flooded, all the soil
down there got saturated. Yeah, and the actual case ons
that support I have a IBAM that's forty feet long,
that's tied end of the stamp walls.

Speaker 4 (22:24):
God, it sounds like the hip bones connected to the
leg bone, the leg bond is connected to the nebo.
It sounds like you're trying to turn not you you know,
and you're not cheating, but you're trying to turn this
into a major claim. But wait, is the house crooked?

Speaker 5 (22:38):
Now?

Speaker 4 (22:40):
Well, the I beam settled, and imagine a pinhole leak,
a pinhole leak causing all of this problem. Mark, what's
your take on it? I mean, this is what you
do for Well, first of all, what didn't you wait?
Wait before you say that, Mark, what did insurance tell you?
Are they going to cover all this damage?

Speaker 15 (22:59):
You know, I reopened the clan with them. I just
sent it over. So the I beam runs north and
south and the floor joys run east and west. When
the I beam settled, it put excess strain on the

(23:20):
nailer plate on the stem wall where the jay hooks
go into the foundation. And I have a horizontal crack
around on the stemwall.

Speaker 4 (23:31):
So you're saying, from this pinhole leak, they basically have
to rebuild your entire foundation. I mean, let's just say
it like it is. Is that what we're talking about?

Speaker 2 (23:40):
God?

Speaker 4 (23:41):
Potentially, And what did the insurance company say he.

Speaker 15 (23:45):
Just submitted not heard back from him? If I had,
I just sent this over to him like three or
four days mark, does.

Speaker 4 (23:54):
That even say possible? Yeah, can go ahead.

Speaker 16 (23:58):
It's happened to me personally in our uh in our
condomnion went to park the neighbors leaked and I had
settling in my condo and you know they wouldn't cover it.
I mean, yes, can this all happen from a pinhole leak?
Can you got the water and nell see of a
beam settle or can you really prove that that beam
wasn't settled before the water leak.

Speaker 7 (24:16):
That's gonna be a challenge.

Speaker 4 (24:17):
You're gonna have to bring some engineers in to decide,
or a public adjuster.

Speaker 7 (24:22):
Yeah.

Speaker 16 (24:22):
Yeah, And then he met somebody like Matt and then
you're he'll bring in the experts to prove that this
happened because of the water or was it already starting
to settle?

Speaker 4 (24:31):
And God, that's so hard.

Speaker 7 (24:33):
That'sking me very difficult.

Speaker 4 (24:34):
Is Kelly there? I want to try to get can
we get try to get Brian Burns or someone from Compass.
I want to talk about safe co is going to
fight him. There's no way.

Speaker 5 (24:42):
I just have safe co and I've had to fight
him anytime I've had anything done.

Speaker 4 (24:47):
Yeah, but so Bill, what came first was the pinhole leak?
The pinhole leak. What was the first thing it touched?

Speaker 12 (24:56):
Uh?

Speaker 15 (24:57):
Well, it was spraying in the cross space.

Speaker 4 (24:59):
Got it and then espraying the cross and the subfloor
and the crawl space. What did they actually replace the
insurance company or repair so far? What have they done
so far?

Speaker 15 (25:10):
They replace the entirety of the sub.

Speaker 8 (25:13):
Floor they did.

Speaker 4 (25:14):
Wow. Wow, he might have a good argument. All right,
you hold on a second. We're going to try to
get our insurance expert on. Hang on. I'm Tom Martinoz
three O three seven one three talks seven one three
eight two five five. We got more 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 content.

(25:40):
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seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
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loss drugs at a fraction of the price now with
peptides to help you keep muscle tone. Denverregen dot com. Hey,
Brian Burns, Compass Insurance Group. Brian, I mean, you know,

(26:27):
it's amazing what happened to Bill based on a pinhole leak. Now,
obviously his homeowner's insurance did not cover the pinhole leak,
but they are covering a lot of stuff. They did
the entire subfloor of his first floor above the crawl space,
and he's saying he has additional problems and his home

(26:49):
is settling. But I'm not sure how much of this
would be covered under normal homeowners Now he's a landlord,
by the way, just so you know, so let's talk
about this Bill. As a landlord, you have a special policy.
And they did replace the sub floor you're saying, which
is basically the wood floor under your decorative floor on

(27:15):
the first floor which abuts to the cross space. Is
that correct and correct?

Speaker 15 (27:21):
So they replace both the plywood and the particle sub floor.
We had to remove all the kitchen cabinets, dining areas,
and they paid for all of that and a portion
of one bedroom.

Speaker 4 (27:34):
Okay, so they paid for all of that. What led
you to believe you had additional problems?

Speaker 15 (27:41):
Well, when you go down in the crawl space, you
could look at that the beam is forty five foot
long and it's tied into the beam pockets, and I
put my level on it, and the concrete casons we're
kind of light below the dirt like those that settled.

(28:06):
And the bean pocket started crashed.

Speaker 4 (28:08):
Now and can you tie it? Can you tie it
to this incident? How do you know you never put
a level to your floor before. How do you know
it wasn't settling before this?

Speaker 15 (28:20):
Well, you know when you put water on soil, soil
saturates and it becomes everything settles.

Speaker 4 (28:30):
Well, it can do one or the other. It can
heave or it can settle. It depends on the type
of soil well der Okay, so hey, Brian. How far
will they go before they start saying uncle? When it
comes to its safeco can they say wait a minute,
this is how settling. We don't cover settling houses, or
because it was started with a pinhole plumbing leak, they

(28:53):
will cover it. Where where do you think insurance are
going to come down on this?

Speaker 2 (28:58):
Yeah?

Speaker 14 (28:58):
I would say you have pretty clear exclusions for settling
and shrinking, bulging, expansion, that kind of stuff of the foundation,
walls and floors, even if.

Speaker 4 (29:08):
It's even if but even if it's caused by a
covered event.

Speaker 14 (29:12):
Well that's I know, that's where you're going with that
earth movement. Even if water contributed, you're going to have
a really hard time. I mean, you would have to
get a structural showing that the settling is directly caused
by the water you're mining the the sub floor soil and.

Speaker 4 (29:29):
The water coming from that pipe. It's got to be
the water coming from that pipe, not just water.

Speaker 8 (29:35):
Correct.

Speaker 5 (29:35):
How much do you think it would cost to get
an engineer mark or timed? I mean, do you guys
have any idea to even.

Speaker 4 (29:41):
Start I mean trying to prove it? Okay, just a
couple brand for sure.

Speaker 7 (29:46):
Yeah.

Speaker 16 (29:46):
The first show up, you know, just for him to
come come look at six or seven six or seven
hundred bucks. Yeah yeah, and then uh and then for
a full report, and you know, then you're into the thousands.

Speaker 4 (29:56):
And then you could still end up in court.

Speaker 7 (29:58):
Oh you're gonna up in court on this one.

Speaker 4 (30:00):
Brian Safego. Is not going to be an easy knockdown
on this.

Speaker 8 (30:05):
No.

Speaker 14 (30:05):
I mean, honestly, I'm telling you it's not just say so.
This would be a tough one with any insurance company.
I mean, you're really getting into a settling issue and
trying to prove that it was purely caused by this
water loss is just going to be a very uphill battle.

Speaker 4 (30:22):
And we're talking bill no matter what, let's just tell
it like it is. To get to a point where
you can even fight them is going to cost you
ten grand. That's just so you have enough enough smoke
to say there might be some flame. Then they're still
going to refuse you. I believe they're still going to

(30:45):
refuse you. I don't know if you can even call
it bad faith, because they're refusing you based on policy language.
They're not just delaying and denying. So there's a big
difference when bad faith comes in. It's usually no real reason.
I'll tell you what I would suggest to this guy.

Speaker 5 (31:02):
I think he waits for them to deny it or
see what they have to say. Of course, then he
calls up Mark at Paragon and here's why, and he's sorry, Matt,
tell my sn Yeah, Matt. And this is a public
adjuster who fights for claims, yep.

Speaker 4 (31:17):
If he believes they're going to be fightable. And then
what I.

Speaker 5 (31:20):
Would say, because they already said, yes, there was a
covered event, that's a good thing. He might be able
to go into the appraisal process and both people bring
in their experts and see.

Speaker 4 (31:34):
If there's something to be said there. I think he
has to do that first. I think that's an obligation
by policy language, right.

Speaker 14 (31:41):
Brian, Well, yeah, I mean I was gonna say, appraisal
is definitely the avenue where you'd want to go with it,
but you gotta first have some kind.

Speaker 4 (31:51):
No matter what.

Speaker 5 (31:52):
Well, they already they already acknowledged there was a water
league coming from that pipe, all right, And I understand
every thing Brian's saying here.

Speaker 4 (32:01):
Okay, hold on, we'll continue this. This is very important
for people if you have homeowners insurance. You need to
hear it. Go with a sure thing Denver's Best roofer
Excel Roofing dot com.

Speaker 17 (32:15):
You don't pay a cent until you're content.

Speaker 4 (32:20):
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 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
three nine two zero sixteen twenty two. Hey, I'm Tom Martino,

(32:45):
your troubleshooter. Listen, we gotta wrap it up with Bill
and then get him on with an expert. We're gonna
line that up Bill. So really, what we recommend is
that you meet with Matt at Paragon Services. He's a
public adjuster, So go over your options to enter into
what's called the appraisal process. No matter what, you can't

(33:05):
bring a lawsuit until you go through the appraisal process.
During the appraisal process, there's a possibility they will give
in and cover this. They haven't denied it yet, and
if he really thinks there's something there. He has attorneys
that will work on a split with you. In other words,
you don't have to come out of pocket. They'll do
it on contingency, but only if they think there's a

(33:26):
winning case. If they think it's a strong bad faith case.

Speaker 5 (33:29):
Okay, you're gonna be able to do a lot of
free research with Matt.

Speaker 4 (33:32):
This is a good way to look at this. Yes,
free research. Once this happens and they turn you down
to go to court as a different story. But if
Matt believes in his attorneys believe it's bad faith, they
would take it on a contingency fee basis. Okay. So
there's good news there. So Kachina is gonna take your
information and we're gonna hook back up again when we

(33:55):
can get Matt on to address this. And we want
you to call Matt directly to set this up. Okay,
that's separate from the radio show. We want you to
call him directly. Okay. Now, I got to take monicanects
because Monica was waiting. Monica, what is your question on
renter's insurance?

Speaker 9 (34:14):
I have a renter's insurance covering my personal property.

Speaker 4 (34:18):
Yes.

Speaker 9 (34:19):
On the end of August, I had a water leak
in the in the house, which caused the basement ceiling.
It leaked into the basement, caused the basement ceiling to collapse,
which then in turn released asbestos into the house. Had
a third party company come out and to this the

(34:40):
asbestos levels both upstairs and downstairs, and they were elevated
contract well.

Speaker 4 (34:47):
Hold on both were they were they dangerous levels of asbestos? Mark,
Mark Schmansky, what do you think about that?

Speaker 16 (34:55):
I mean, it's I mean it was wet, and so
it depends how they cleaned it.

Speaker 7 (34:59):
You know, if it fell down.

Speaker 16 (35:00):
Downstairs and there's no activity, it's not gonna be floating
upstairs this you know, activity movement causes dust, which posses
aspesis in the air.

Speaker 4 (35:09):
But so where are we going with this? Are you
being turned down by anyone yet? Monica?

Speaker 9 (35:15):
Yes, verbally, I haven't gotten anything in writing. And to
Mark's point, what he was saying about if the air
view disturb so when that happened.

Speaker 4 (35:26):
I'll tell you a lot. Hold on, so we can
take you back here. Okay, we're gonna talk about this
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 of time for an insurance check up free,

(35:46):
no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now
three O 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 home with Remax
Alliance three oh three nine two zero sixteen twenty two.

Speaker 2 (36:10):
Rip mad new.

Speaker 1 (36:14):
Need advice so you don't have.

Speaker 2 (36:18):
Come running just as fast as we can.

Speaker 1 (36:21):
Shooter's gonna help coming man.

Speaker 3 (36:25):
This is the Troubleshooter Show. No Tom Martinez.

Speaker 4 (36:29):
Hey, I'm Tom Martino. How would you like to get
the guaranteed lowest price on a furnace? You can do
that with renew home Innovations dot Com. They say, just
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lowest price three oh three nine zero four two thousand,

(36:52):
three h three nine zero four two thousand. You know
this renter's policy may or may not cover everything. Because
we have to talk about limitations. Renters policies, of course,
have a component of liability in case a renter does
damage to somewhere else or to the unit, and then

(37:13):
they have the personal property coverage. Monica, you're talking about
your personal property that was ruined while you're renting a place.
Is that correct? Yes, it is okay. And what was ruined?

Speaker 9 (37:32):
Well, I had items that could be cleaned, and so
there was a cost of thirty five thousand dollars with
the items that were clean.

Speaker 4 (37:41):
Thirty five thousand dollars worth of cleaning. Yes, do tell,
do tell? What the hell were you co asbestos they
were cleaning?

Speaker 9 (37:50):
Especially so it was three hundred and twenty hours time spive.

Speaker 4 (37:56):
No, no, no, no way, I'm sorry. Tom. Here's my question.

Speaker 5 (37:59):
Are we talking like a couch because the couch doesn't
cost thirty five Now, what you're.

Speaker 4 (38:03):
Saying is they could have bought stuff.

Speaker 5 (38:05):
What the hell did you clean for thirty five thousand dollars?

Speaker 4 (38:08):
It wasn't one item, right, there were several items cleaned.

Speaker 9 (38:13):
No, it's a it's a I have a six bedroom
house and living room and so it.

Speaker 4 (38:18):
Will I'm taking a small apartment. So you're talking about
everything Okay, all right, so where is the trouble coming in?
Right now?

Speaker 9 (38:28):
The trouble is coming in because the insurance is telling
me that they will only cover.

Speaker 18 (38:36):
Water and not asbestos.

Speaker 9 (38:38):
And my point is the water caused the ceiling to fall,
which then caused the asbestos to be released throughout the hall.

Speaker 4 (38:46):
So they will cover water and water related damage, but
they're not going to cover asbestos related damage. And they're
probably right in there. So that thirty five thousand dollars
cleaning is does that include asbestos?

Speaker 9 (39:03):
That's all asbestos?

Speaker 4 (39:05):
All well? Okay, so they have not yet covered that.
They're they're saying they're not going to cover it.

Speaker 15 (39:12):
That's correct.

Speaker 4 (39:12):
Okay, let's bring up Brian Burns from Compass Insurance. Brian,
have you ever heard them parsing that out that way saying, look,
you know the water caused this, but we're not paying
for asbestos.

Speaker 14 (39:25):
Well, and it's kind so talking about what caused it.
So if because obviously the water leak, if it is
the what is the direct cause of the asbestos coming in,
then you know, then there's for argument. Now in general, no,
they don't cover the release of discharge, of dispersement of pollutants,

(39:47):
that kind of stuff, smoke or in this case, asbestos
or any kind of chemical that would come out. But
it's because of the water loss, then that asbestos continuing
material that came down should be by the personal property limit.

Speaker 4 (40:02):
And they're saying they just don't cover it, right, Monica,
Is that that's simple? They just don't cover it.

Speaker 9 (40:09):
That's correct. And interestingly enough, the homeowner also has state
farm and they are covering his claim for on the structure.

Speaker 4 (40:21):
Are they covering his Are they covering his asbestos issues?

Speaker 9 (40:26):
Yes, they cleaned. They paid for twenty five thousand dollars
worth of cleaning the home to remove the asbestos from
the walls.

Speaker 5 (40:33):
And stealing and hey, hey, Brian, I just want a
little clarification from what you said. So you're basically saying
a renter's policy that's all she has, should cover the
cleaning of asbestos, even though the policy itself says we don't.

Speaker 14 (40:52):
Well, Okay, here's where I'm trying to and maybe I'm
parsing words here, but if the asbestos is on more
personal right and it's the direct result from a covered peril,
that's where your avenue is to get coverage.

Speaker 4 (41:06):
That's what I would think that that sounds logical. It was.
It all started with a covered peril. You know they're
saying we don't cover asbestos.

Speaker 5 (41:16):
If it literally says we don't test for asbestos, we
don't care about asbestos, we don't pay to clean an asbestos.

Speaker 4 (41:24):
Is there such thing as mark might indicate as a
blanket exclusion?

Speaker 14 (41:30):
There's going to be an exclusion for pollutants, including asbestos.
But where I'm trying to say is there's also a
following form statement on policies that if there's an exclusion,
it still has to fall back to what caused the loss. Yeah,
so the direct to fall down is because the water loss, right.

Speaker 4 (41:50):
Yes, so it it. Yeah, it skips over the exclusion
and gets to the root cause. And anything caused by
a covered peril could be covered, for example, if it
did not cover something normally, but something that was covered. Okay,
let me give you a specifiction.

Speaker 5 (42:09):
Cover fire, and your stove caused a fire and burned
your house down.

Speaker 4 (42:14):
You're saying it'd be covered, Well, your stove isn't covered
to begin with. So but but I know what you're saying, So.

Speaker 14 (42:20):
You're mixing the two key the pieces up there, March.
You're setting in your example right there. Fire is a
direct loss, not the stove is fire. In this case,
water caused the entire ceiling to fall down. Correct, all right,
I didn't just fall because the asbestos got heavy. It's
because the water caused damage and it fell down.

Speaker 4 (42:43):
Listen, you're the expert, Brian. I just have it.

Speaker 5 (42:45):
I just have trouble wrapping my head around it. Let
me give you a better example. If my car is
parked in my garage and my car is not covered
by my homeowners and I don't have auto insurance and
my house burns down, and you would think it would
work the same way. They would pay for my car,
but they don't because it's excluded from the policy.

Speaker 14 (43:07):
Yeah, the car itself is excluded. But in this case,
the personal property is was not excluded.

Speaker 4 (43:14):
It was not her personal property is exactly what the
asbestos is excluded. Well, but you know what other thing though, too?

Speaker 16 (43:22):
Why did any work start without the insurance approval? We
don't take one step in a house until it's approved,
and the cleaning company knows that.

Speaker 9 (43:30):
But that's a good question. Now I have not gotten
any of course, State farm isn't going to admit that
they approved anything. But the contractor who started the work
is telling me that they got approval, but I've yet
to see that approval.

Speaker 16 (43:45):
So hopefully they have something and email attacks something from
State Farm.

Speaker 5 (43:51):
Hey, hey, Brian, couldn't they argue, like if one of
the things they if they spend thirty five thousand on cleaning,
I mean, they wouldn't she have to have at least
thirty five thousand dollars worth of stuff that was cleaned.

Speaker 4 (44:04):
I mean, could they.

Speaker 5 (44:05):
Actually argue, We're not going to give you thirty five
thousand dollars for three rooms of furniture.

Speaker 14 (44:11):
And if that was what the statement is here, I
totally get it. That makes sense, But just a flat
exclusion saying because it's asbestos, we're not covering it, when
the actual reason for the asbestos is the water.

Speaker 8 (44:24):
Now, I am totally with you.

Speaker 14 (44:25):
It seems like an exorbitant amount. So I would really
want to understand why not to mention to the other
point of the expert in there? Yeah, I mean, you
don't go do the work without actually having the approval first.
You don't go back in time and say, well, I do.

Speaker 8 (44:39):
Want it covered now.

Speaker 4 (44:41):
Okay, So the message here is if you have an
item that's covered and something that's excluded ruins it, they
say that's excluded. But then we go the next step
and while the asbestos is excluded, the water damage is
not excluded. And the water damage caused the dry wall

(45:04):
to collapse, which unleashed the asbestos. Therefore that stuff should
be cleaned. You're saying because the original cause was a
covered peril and it damaged a covered item.

Speaker 8 (45:18):
I think exactly.

Speaker 14 (45:19):
And it's exactly what you were just arguing for Mark
a minute ago when you were asking me about how
it's settling of the home because of the water going
down there. There's a clear exclusion for settling.

Speaker 8 (45:31):
But your point is, but it was because of the water.
This is identical.

Speaker 5 (45:36):
Yeah, good point. This is easier to prove too. She
could also she could also sue the owner of the hall.

Speaker 4 (45:43):
Yeah, that's that's true. If what caused this this whole
water problem to begin.

Speaker 9 (45:49):
With a faulty part in the back of a refrigerator.

Speaker 4 (45:54):
That I owned, Oh it was your refrigerator, there goes that. Yeah, yeah,
he's going to come after you. That's right now. Though
the landlord's insurance company is going to subrogate, right, Brian.

Speaker 19 (46:07):
Yeah, but they could for her liability.

Speaker 4 (46:10):
And they're both state farm though, but they do do
that sometimes they go after each other different departments.

Speaker 7 (46:16):
Yeah, I've seen that.

Speaker 4 (46:18):
God, this is a mess. Are you gonna tell me?
Are you going to stay in the home there?

Speaker 9 (46:26):
No, I'm not because I am nothing there. I mean
they got rid of everything and cleaned what they you know,
what they could, So I mean your point about you know,
thirty five thousand dollars is an exorbitant amount of money.
And had I known, you know, what it's going to entail,
I didn't know to ask questions, I would have said, yeah,

(46:46):
I get rid of everything except you know, some some
memorial memorial babilia, stuff of his pictures.

Speaker 14 (46:53):
What not.

Speaker 4 (46:54):
But I I think that company is going to have trouble.
If you did not sign anything with them, they're gonna
have trouble. You didn't, Oh you did a crap?

Speaker 6 (47:05):
Yes?

Speaker 4 (47:05):
I did you know they're going to come after you personally?
Now for that?

Speaker 9 (47:12):
Well, yes, the insurance company doesn't play Hey, absolutely.

Speaker 4 (47:17):
But Brian, you think she has a pretty good chance. Hey,
you know, public adjusters get involved in this kind of stuff.
You need to hire somebody who can fight for you.
I mean, otherwise you're gonna end up with there's probably
a lot of coverage there that you're not getting.

Speaker 5 (47:34):
And hey, Brian, I just pulled up some all state language.
I just really want you to chime in on this, Okay, sure,
And basically it says, we do not ensure for lost
cause directly or indirectly by any of the following.

Speaker 4 (47:49):
This is on their renter policy directly or indirectly.

Speaker 5 (47:52):
Exclusions such losses excluded regardless of any other cause or
event contributing, concur or in sequence.

Speaker 4 (48:01):
Too. That says exactly like.

Speaker 5 (48:03):
War, nuclear hazard, pollution, or contamination. And it goes on
to say, you know, uh, it goes on to say,
but it goes signs of things, but it.

Speaker 4 (48:13):
Goes so far as to say directly or indirectly.

Speaker 7 (48:16):
Yeah.

Speaker 4 (48:16):
Right, well, and so.

Speaker 14 (48:17):
It all's going to come back to the policy language.
I mean, that's a pretty damning, uh.

Speaker 4 (48:22):
Marked, that's the best exclusion I've ever read.

Speaker 5 (48:26):
Yeah, that's a damn that It says contaminations include, but
are not limited to asbestos led raid on for maw
what for whose language is that? Is that farmers or
state or whatever? All state or all station, one state farm.

Speaker 4 (48:42):
But do you know they're all going to be they're
all going to be similar, and it's the Renners. I'm
really one here.

Speaker 14 (48:47):
And it does not have anything that damning is there's
nothing that has that that indirect statement.

Speaker 4 (48:53):
So you read that again marked that's.

Speaker 5 (48:56):
We do not in this We do not ensure for
loss caused directly or indirectly by any of the following.
Such loss is excluded regardless of any other cause or
event contributing concurrently or wow any sequence to the loss.

Speaker 4 (49:15):
And they even talk about the sequence of the loss.

Speaker 5 (49:18):
So here's what I'd like to do. You must have
a copy of your policy. Why don't you send us
to the policy and we'll look at.

Speaker 4 (49:29):
All. Right, I don't care if you're reading it, send
it to us, to send it. Send it to us, Kachina,
tell her how to email that to us. We got
more coming up on the Troubleshooter Show. That's a wildcase.
Go with a sure thing Denver's Best Roofer Excel roofing
dot com.

Speaker 17 (49:45):
You don't pay a cent until you're content.

Speaker 4 (49:51):
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 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 Hair three

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That's waterpros dot Net. Okay, So, April, what is going
on with your aunt? You're calling for your aunt. What's happening, April?

Speaker 18 (51:00):
Yeah, So she was diagnosed with metastatic breast cancer almost
three years ago and she is at the point now
like late stage treatment and she needs an electric scooter
to get around even like her house. Her feet hurt
and you know what, messes with their nerves and all that.
And I've called probably like ten to fifteen places that

(51:23):
I got from the insurance company that might have electric scooters,
and none of them carry it. And the one that
does carry it it is like three months out until
she can get it. So I was told by a
family friend to call your number, and you know.

Speaker 4 (51:39):
Just right, see what you said, Because what we try
to do is make connections. So maybe someone listening. In fact,
we did this very thing with a scooter, probably within
two years, where someone had a scooter from someone who
was deceased, and what they did was they let one

(51:59):
of our listeners have it, and it was a wonderful
thing I remember, and then in fact another listener had
to donate the battery, happened to have a battery.

Speaker 7 (52:09):
It was.

Speaker 4 (52:10):
It was really a cool thing. So, April, what kind
of electric scooter are we looking for?

Speaker 2 (52:19):
Good question?

Speaker 4 (52:20):
Is it like one of those Is it like one
of those little rascals, just one of those ones she
can move around the house and take shopping and all
of that.

Speaker 18 (52:28):
Yeah, anything, I think the smaller the better, so she
can maneuver around her house on the carpet or the
hardwood or whatever. I did have one supplier send me
a couple of recommendations, but yeah, anything that's small. She's
probably one hundred and forty pounds, so she doesn't need
a heavy duty one, but just one that can, you know,
get in and out of place.

Speaker 4 (52:49):
And what is your aunt's prognosis right now?

Speaker 2 (52:52):
Uh?

Speaker 20 (52:52):
What do you mean?

Speaker 4 (52:53):
Like? Where where is she going to? Are they telling
her she's going to survive and live and everything's wonderful?
I mean, what is the situation? And I hate to
be morbid about it, but I'm thinking, like if somebody
wanted to loan her a scooter? I mean, is she home?
Did she beat cancer? Did she beat it?

Speaker 18 (53:14):
So with metastatic, you don't it's just chemo for as
long as you can. There's not a cure right now.
I'm sure twenty years from now it will be different.
But her prognosis, she's had it for about three years
and she's in the later stage, so we're not sure.
You know, metastatic, it's kind of up in the air.

Speaker 4 (53:34):
You don't where did the cancer, Where did the cancer originate?

Speaker 18 (53:39):
It's breast cancer. She had it about twenty years ago,
and then it came back three years ago. Oh sure,
just one of her breasts.

Speaker 4 (53:46):
Oh terrible, terrible, terrible, but that she was metastatic.

Speaker 18 (53:49):
So now I think the biggest issue is probably her liver,
and I'm sure that's making the symptoms worse. But she's
just under pain management right now, and then like maybe
we'll start again.

Speaker 4 (54:00):
Okay, So here's what we need to do. We need
to get all of your information off the air, Kachina,
if you could help us get that information, and let's
put the word out right now, and that's what we're
going to do. Does anyone know now does she have
any ability to pay?

Speaker 18 (54:15):
By the way, No, no, she does not, and.

Speaker 4 (54:19):
She doesn't have insurance that would cover it either.

Speaker 18 (54:22):
She has insurance, but it seems like most places don't
carry electric scooters or they don't take insurance for them.

Speaker 4 (54:31):
Okay, did you find any that does that that will
take insurance and just don't have them in stock? Maybe
we can help there too.

Speaker 18 (54:40):
There was one place who has them in stock and
carries them, but they said it's like a three month
process to get it through insurance.

Speaker 4 (54:49):
But did you start that at least? Yes?

Speaker 18 (54:52):
We started good, you know she needs it.

Speaker 3 (54:56):
Now we don't know.

Speaker 4 (54:57):
I get it. So if we if we find someone,
let's say, that can temporarily get her a scooter with
the hope that this other one will get it through insurance.
Now there should be no problem getting it through insurance. Right,
does she have a prescription for it?

Speaker 18 (55:13):
She does. I think it's probably going to get approved.

Speaker 4 (55:18):
It just takes a lot to do, right, And this
is what the gap is. If we find something, and
if we can't find something permanent, maybe we can find
something that she can use until she gets it. Have
you looked into rental places?

Speaker 20 (55:34):
I have.

Speaker 18 (55:35):
I haven't called them because I'm assuming she would need
it every day and the daily rate would probably be
a little pricey.

Speaker 2 (55:42):
You know.

Speaker 4 (55:43):
Maybe what I'm saying is maybe the rental places for
these scooters for people with disability, maybe they do have
a monthly rate. That is another area. And then we
could help maybe by raising some money to pay for it,
but I would exhaust all avenues. We're going to put
out the word right now. If you have any mobility
scooters that you can lend her for three or four months,

(56:06):
or anything you can donate or give to her, please
pass the word. Okay. Now, I know within the reaches
of my voice, we have many, many people who care,
who are caretakers for older people. Maybe some of these
people no longer need the scooter, maybe they overcame their disability,
or maybe they're deceased. If in fact, you know anyone,

(56:29):
please give us a call and we would love to
put that scooter to good use. And I know, I
know there's somebody listening that's going to know somebody or
know somebody directly where there is a scooter available. Best
case scenario would be a donation, but if you have
one that you can loan, that would be great too.

(56:52):
And we're going to put them in touch with April
and we'll check out April's story. Meanwhile, April, do me
a favor and find out about the rental for the
hell of it, how much it will be if they
have a monthly rate, and maybe we can figure out
a way to get on.

Speaker 21 (57:07):
There's a there's a scooter rental place over on Hampton,
but the rent seems a little exorbitant. It's like one
hundred and twenty five to one hundred and fifty dollars
a day.

Speaker 4 (57:16):
No I understand that, but maybe they have a lower
rate if it's a self paid monthly rate.

Speaker 10 (57:22):
Yes, it's on my way home.

Speaker 21 (57:23):
I'll drive by after the show and just go in
and talk to them because I bought stuff from them before.
They may have a used one or yeah, something they
can get rid of cheap.

Speaker 4 (57:31):
All right, So kichita get April's information. April, I'll put
you on hold and we'll get your information and figure
this out. Three oh three seven one three talk seven
one three eight two five five 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

(57:56):
check up free, no obligation. In 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 when you 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 here, Welcome to the show.

(58:19):
Three oh three seven one three talk seven one three
eight two five five. I have a question here, Okay,
let's check email. Okay, so, Chris, what I'm checking my
email here? What is your question about? You're on the
Tom Martino Show, The Troubleshooter Show. I should say three
oh three seven one three talk seven one three A

(58:40):
two five five? What is your question?

Speaker 8 (58:43):
Yeah, hey, Tom, Hey, I am a I'm a voiceover artist.
I've been doing it for many years, but I've never
had representation, and I'm trying to look at that. I'm
entering into a possible arrangement with a talent scout or
a talent agency. I've attached a contract. I've got some
concerns about the contract. It looks too binding, like maybe

(59:04):
you know, well, I've been doing this re so I
have relationships, but it looks like they want to How
have you?

Speaker 4 (59:10):
Let me ask you this? How have you been doing
your voice over work up till now? How have you
been getting jobs.

Speaker 8 (59:18):
Word of mouth over decades? I mean I worked for
some iHeart stations in other markets. Okay, agencies?

Speaker 4 (59:25):
Are you? Are you in demand?

Speaker 8 (59:30):
I would say? So?

Speaker 4 (59:31):
How did you find this management company? I've never heard
of them? How'd you find them?

Speaker 8 (59:37):
A colleague of mine that used it does radio imaging
out of state and I used to work together. He
had a relationship with his manager. It got him a
lot of business to the point where he didn't need
to renew the contract anymore. But there's some stuff in there.
It just seems overly binding.

Speaker 4 (59:52):
Okay, look at it. With with fifty years of broadcast experience,
I can tell you that very so tell them very
seldom does a voiceover talent need representation. What they but
but I'm not saying not to go with them? What
are they Basically I'm looking at the contract now, and

(01:00:13):
it is an engagement and a term, and it is binding.
They have you bound up and and if you accept deployment,
even on your own, you're going to owe them, you
know that, right.

Speaker 8 (01:00:27):
That's just so if I have if I have irons
in the fire that pre exist this contract, I still
owe them a.

Speaker 4 (01:00:33):
Cut unless you put a clause in there.

Speaker 12 (01:00:36):
Right, So it looks like the way it's written that
is the case.

Speaker 4 (01:00:40):
Yeah, And then what do they want from your fee?
I what what do they want? As as far as fees?
I don't want to go through that while I'm on
the air live.

Speaker 8 (01:00:51):
It's so that's at the top. But they want to wait.

Speaker 4 (01:00:54):
They want a regular monthly fee just to be your manager. Yes,
that would Listen, you're ask him. Look at I'm telling
you that this is not the run of This is
not how they normally do it. Normally, what they do
is they find you work, they get a cut. This
crap about a management fee per month never, I would

(01:01:15):
never do it. So here, let me just read this part.
Artist degrees to pay manager a monthly fee of one
hundred dollars over the contract term. How long is the
term for this is one year? Okay, artist acknowledges. So
that's like they want twelve hundred bucks up front. Artist
acknowledges that management fee is subject to renegotiation either within

(01:01:40):
or at expiration of the contract term if monthly radio
branding income on the date of agreement is executed. So
what they say is if artists monthly radio branding income
increases by two thousand or from artists monthly radio branding
income data, execute manager likewise acknowledge is that this is

(01:02:01):
this is the Okay, I would never sign any of this. Okay,
what tay? And they even want a finders fee. It
says for all contracts, for all contracts generated, they want
a piece And they say on behalf the artists, and
you agree to pay a finder's fee. On other contracts,

(01:02:22):
artists shall pay manager the finders fee by automatic transfer.

Speaker 2 (01:02:26):
Uh.

Speaker 4 (01:02:27):
Look, I I've never who do they represent? Do they
represent anybody?

Speaker 15 (01:02:31):
You know?

Speaker 2 (01:02:34):
Uh?

Speaker 8 (01:02:34):
Yeah they do. I mean they he does have a
couple of high profile clients. I mean, nobody knows these
people's names, but they're they're making a lot of money
voiceover TV commercials.

Speaker 4 (01:02:44):
Have you verified it? Have you talked to anybody I
would want? I wouldn't want references?

Speaker 8 (01:02:49):
Yeah, yeah I have, but it's it's it still looks
kind of cloudy to me, like I don't know, you know,
the percentages, and there's no guarantee of even getting any
work that's stated, right, Well that's right.

Speaker 19 (01:03:01):
It doesn't work.

Speaker 4 (01:03:02):
It works for me, and it's totally exclusive, and you
agree not to employ any time or with any person
unless you go through them. So here look at if
you have trouble finding work. They don't even say they're
going to find work for you. I mean, there's nothing
that says they're going to find work. It's almost like

(01:03:24):
if work comes along, they want a piece of it.
But I don't see what they're doing for you. What
services are they doing? Under services? What are they actually
doing for you?

Speaker 8 (01:03:35):
Well, there's a paragraph to counsel.

Speaker 4 (01:03:37):
And advise you, I can counsel and advise you, I
mean you know you and to counsel and advise, counsel
and advise. Where does this say to find work? It
says managers reasonable efforts to promote and enhance your reputation
and standing. They're basically what they're doing is not that

(01:03:57):
they don't guarantee they're doing anything for you to find
you work. I thought you wanted them to find you work.
There's nothing here about finding work. There are the Listen,
there are agents that can find you work and they
get paid accordingly. That's the kind of contract I would sign.
They're honestly, you're you're asking for You're asking for advice.
That's my advice. You go with someone they eat what

(01:04:18):
they kill.

Speaker 8 (01:04:21):
Yes, that's what I like. Do you know somebody like that?

Speaker 1 (01:04:24):
Uh?

Speaker 4 (01:04:25):
Yeah, I know plenty of them. I mean they're they're
called managers. There's most of them operate that way. They
don't require you to pay or do anything unless they
find you work. There are even some that will that
will etch out the existing work. That you have. I

(01:04:46):
don't want to make recommendations on the air right now
because it's you know, it's very private. But I know
plenty of managers. I mean, if you're looking for a
management company, and besides, if you have relationships with big
broadcasters in themselves, have them circulate your name among them.
I don't know what you need in a manager. What
are you trying to accomplish with management? What is your main?

(01:05:08):
Is it to get more work?

Speaker 8 (01:05:11):
It is to get more work. And you know what
it's like in radio these days.

Speaker 4 (01:05:15):
I mean, well, yeah, but voiceover can be used in anything,
not just radio. You use voiceover. You can use voiceover
for documentaries, you can use voiceover for radio, for TV,
for online, for YouTube. I mean, there's all kinds of
places people now, I will say that voiceover is getting

(01:05:35):
less and less important because of AI. Yes, there are
a lot of AI announcers right now that you wouldn't
believe how good they sound. Oh yeah, I know, I.

Speaker 8 (01:05:45):
Know, and they're taking my jobs. But if you know
somebody off the air.

Speaker 4 (01:05:48):
Hey Shannon, like does roach is he represented by anybody?
I mean I always talk directly to him, and he's
one of the best talents. I know, how do you know? Mark?
He's I know actually from you years ago. We looked
at him all for doing our open that's right, But
didn't he talk to us directly or did we have
to go through somebody? I I don't remember that exactly.

(01:06:12):
I think it's just him too. But have you ever
talked to other voiceover artists and asked them?

Speaker 8 (01:06:20):
Yeah? Yeah, I have. It's just you know, I'm struggling
to find and I have done narration and voiceover and
stuff like that for film and video.

Speaker 12 (01:06:29):
But I'm just stru.

Speaker 4 (01:06:30):
How'd you find that? How'd you find that work? Have you?
If you have a good website, optimize you know, your
money would be better spent doing a really good website
with demos and just optimize the website for searches and
then and then just do some campaigning with the big
broadcasters and direct him to the website. All and all
the website should be is a quick bio and samples.

(01:06:53):
That's what it should be. But but my website, yeah,
you can said, yeah, hold on and end it to me.
But bottom line is this, If you're asking me, would
I ever sign this? The answer is absolutely not. Go
with a sure thing Denver's best roofer Excel Roofing dot com.

(01:07:15):
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much 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

(01:07:35):
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi Tom Martine, your
troubleshooter three all three seven one three eight two five five.
If the government shut down ends, what do you think
the biggest pressure was causing that? Do you think it's
the You think it's the air air traffic? Do you

(01:07:57):
think that's what really where everyone said, hey, we've bet
or do something. I think it was snap, snap and
more snap. You think food stamps, yep, And.

Speaker 5 (01:08:07):
Just remember we were waiting just for the Dems to cave,
and eight of them caved. And I don't think it
was over airlines. It was probably over everything. But I
think the biggest part was people don't like seeing other
people starving.

Speaker 4 (01:08:19):
Man Okay, Now for snowy areas and roofs genesis total
exteriors with us, they want to know should they switch
to a metal roof is that better for to keep?
They get a big build up of snow and they
want to know what materials would you use? They get
a lot of ice damming as well.

Speaker 16 (01:08:38):
Okay, a lot of metal roof suppliers that supply the
metal panels will not warranty the.

Speaker 7 (01:08:44):
Roof if you put heat cables on it because.

Speaker 16 (01:08:47):
That affects the paint coating. Really yeah, and so not
to say you can't do it, there's.

Speaker 4 (01:08:51):
Not a way to off stand it. Maybe well you
need it.

Speaker 16 (01:08:55):
You need it to be touching that and so do
the water's leaking off other wise you're gonna have ice
underneath it. The other risk of that again, if you're
doing just you know, straight standing see metal panels, are
you smooth all sudden? The snow just can slide off
all in one big sheet, and if you're underneath it,
you can really get hurt. I suppose to asphalt shingles,
that really doesn't happen very often.

Speaker 4 (01:09:15):
And with asphalt though, they are wondering other than asphalt.
So you like asphalt even in snowy areas. Is that
what you're saying.

Speaker 7 (01:09:23):
I mean, I like asphalt, and there's a lot of.

Speaker 4 (01:09:24):
It, and it does it hold the snow. It holds
the snow naturally the snow. But you put heat cables
up there. Again, if you're on the north side of
the house, so.

Speaker 7 (01:09:31):
You got valleys that get a lot of shit.

Speaker 4 (01:09:33):
Is ice damming? Explain that to me.

Speaker 16 (01:09:35):
So what happens is when you have the freeze saw
happens and so as in the daytime it's melty, it's
dripping down, then all snow it starts getting chili out
and starts to freeze, and all sudden, all that loose
wet snow refreezes and gets hard and it actually creeps
back up and so and they can creep up underneath
your shingles. Oh really, and then it can get into

(01:09:56):
your house and cause a house leak. Most Denver doesn't required,
but a lot of colder communities are up in the
mountains you're required to put ice and water shield.

Speaker 7 (01:10:05):
It's a rubber membrane you put down and that.

Speaker 4 (01:10:08):
Does that prevent it from what? How does it prevent it?

Speaker 16 (01:10:11):
Because without heat, it's sticking this is sticking right to
your your deck underneath it.

Speaker 7 (01:10:15):
You put your shingles on top.

Speaker 4 (01:10:17):
So it's just and you only do it along the edge.

Speaker 7 (01:10:19):
You can just do it along the edge. You can
do your whole roof and.

Speaker 4 (01:10:21):
So it stops it from adhering to it.

Speaker 16 (01:10:23):
It stops the snow from going underneath that membrane getting
into your house.

Speaker 4 (01:10:28):
Okay, okay, but again, if you still have an issue
with a lot of snow build up, you know you
can put heat cables in. Okay, and heat cables nowadays
they're not a big deal anymore, right, aren't they self regulating?

Speaker 7 (01:10:40):
You're self regulating. Get it from home depot if you don't.

Speaker 4 (01:10:42):
Have a big if you if you have a big issue,
I suggest getting.

Speaker 7 (01:10:45):
The real stuff.

Speaker 4 (01:10:46):
A two twenty line up there that's going to really
melt this into the system. Right, If you have a lot,
it's small, you can use the home depot. All right.
We got more coming up on the Troubleshooter Show three
oh three seven one three talk seven one three eight
two five five with a sure thing Denver's Best Roofer
Excel Roofing dot com.

Speaker 17 (01:11:03):
You don't pay a cent until you're content.

Speaker 4 (01:11:07):
Please 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 home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 1 (01:11:35):
Ripped News needs you don't have.

Speaker 2 (01:11:43):
An anxious As fast as you can.

Speaker 1 (01:11:46):
Shooter's gonna help.

Speaker 3 (01:11:48):
Come Man six is the Troubleshooter Show. No Tom Martinez.

Speaker 4 (01:11:54):
Hey, I'm Tom Martino. Welcome to the show. We are
here at the Mothership today. Get your calls in. If
you have any questions, problems, our complaints, give us a call.
Three oh three seven one three Talks seven one three
eight two five five. I didn't bring up my uh
my text yet, but I will. You can text me
at uh seven four seven nine nine nine fifty two eighty.

(01:12:17):
That's my own seven four seven nine nine nine fifty
two eighty and I will be reading those. I'm sorry
I didn't get to those. We have Mark Schimanski with
me from Genesis Total Exteriors put a dot Com on
their genesis total exteriors and if you have anything around
the house you want to know about. I have saved

(01:12:37):
up some emails and texts for people. Well, I do
have a lot of texts here. Let me get to
those anyway. So anyway, how often do you repaint vinyl sighting?
They said they're they're looking shabby. I don't think you do,
do you? So, Sirl Williams, And I don't know if
Benjamore does or not, but I know Shir Williams does
have a paint you can paint vinyl siding with.

Speaker 7 (01:12:57):
I'll never do it.

Speaker 4 (01:12:59):
Yeah, it doesn't sound cool though.

Speaker 16 (01:13:01):
We have a we have a huge problem in Colorado
with dark colors, and we have We've tried several manufacturers
say oh, ours will work there. They don't test it
at this altitude with our intense sun, and any kind
of dark color just curls up and it twists and
it warps and it looks horrible after sometimes after months,
sometimes after a year or two. So dark colors on
vinyl siding is just an known Colorado.

Speaker 4 (01:13:23):
Okay, that's good to know. By the way, what does
powdering mean? Powdering on what on siding? What does that
even mean powdering? Somebody said, I'm experiencing a powdering on
my side.

Speaker 16 (01:13:36):
Oh, so you're getting a breakdown. So the finish or
the finish is breaking down. You can powerwash it off
sometimes sometimes not, but that's not the.

Speaker 4 (01:13:45):
Same as the vinyl one. So I don't know which
kind of siding this is. What kind of siding would
do this? Anything that has a week finish?

Speaker 7 (01:13:51):
Yeah, and so it's it's time to repaint your house.
It sounds like, you know.

Speaker 4 (01:13:55):
Can you seal it to keep that from happening?

Speaker 7 (01:13:57):
You know, that's the same thing as paintings, the mouse
of paint.

Speaker 4 (01:14:00):
I have a door that I love, a front door
that I love. It's drafty as hell, it's split in
the middle, it's a double door. What do you do
to steal those?

Speaker 16 (01:14:11):
So you're gonna need to get I mean something like
that would be a good for a carpenter. Handyman can
probably do something like that for you. You mostly you
have to pop the door off. You're gonna have to
glue up that that crack and clamp it together and
hopefully it'll hold. You always do some kind of a
you know, decorative butterfly would inside of that if it's
as true those double wood doors with.

Speaker 4 (01:14:32):
The crack in the middle, they're always drafty.

Speaker 7 (01:14:34):
Yeah, and they are a drafty door in general.

Speaker 16 (01:14:37):
Nowadays most of those double doors, you know, you're put
them in a fiberglass and such and they hold up
so much better.

Speaker 4 (01:14:42):
Okay, And then this is a personal one. We have
this door on a patio and for some reason, when
it rains a driving rain or a rain toward that area,
it gets under the door, no matter what we do
with the threshold. And I bought stuff the sweep you
buy from home depot to put underneath it. I've tried.

(01:15:06):
I mean, I just I don't even know if it's
coming through the door or coming up under the threshold.
So so many patio doors are such a pain in
the ass.

Speaker 16 (01:15:15):
It's so important when you saw a pattery door that
you're putting sealant underneath the door, and so you know, obviously,
so that bottom part seals. Otherwise you're gonna have a
little gap below and you get a driving ring it's
hitting the sidewalk and work its way up underneath the threshold.
So again, if somebody just puts it in and they
don't put any sealant around that when they go to
set it, and you should at least two lines of

(01:15:36):
celent in that with a good quality sealant to stop that.

Speaker 4 (01:15:41):
Okay, Mark, do you recall us talking about MRIs or
CTZ I will yeah, cost it cost yes, Okay, Here,
what's the question this guy just takes. I don't understand
the text completely. And of course he insults you, and
he says, let me educate you a little more. Go
ahead and edge of them me edgemacate me. There are

(01:16:04):
places you can get MRIs and ct scans very cheap,
no kidding, it's it's called he doesn't even know the insult.
It's called slime imaging. I've never even heard of nobody.
I looked at up slime imaging, slid slid doc. Have
you ever heard of that in the medical field where
you get cheap stuff done for have not? Okay anyway,

(01:16:27):
And besides you guys in your line of work, you
never did CTS for U, MRIs for pregnant women? Right
of course we did CTS.

Speaker 10 (01:16:35):
Yeah, I mean we did MRIs.

Speaker 4 (01:16:37):
You did?

Speaker 10 (01:16:38):
Yeah?

Speaker 11 (01:16:38):
Why because it's magnetic, there's no radiation and what.

Speaker 4 (01:16:43):
Would you image for a pregnant woman. I mean if.

Speaker 11 (01:16:45):
The PNCH you could have any problem that okay, that
a normal person has. But the difference is with you know,
with MRIs there's no there's no radiation, so it's perfectly
safe for pregnant women.

Speaker 4 (01:16:57):
Okay, let me educate you. There are places gets cheap
CT scans cheap. It's called slime imaging. I heard dumb
dumb ass. I swear you can read it yourself. I
heard dumb dumb ass Mark know it all act like
a three, Like three hundred dollars for CT is so cheap. Yes,

(01:17:18):
you can get it for much cheaper. So this dumb
ass is just to know where to go last week,
last week, hold on, lastly, I cannot thanks to hear
Mark bitch about how much is health insurance goes up
once there's Obamacare, as you like to.

Speaker 5 (01:17:34):
Say, I don't care any subsidies. I pay full ride,
I pay for my insurance. I don't rely on your
dumb ass to pay for anything.

Speaker 4 (01:17:44):
Okay. Anyway, this guy always texts and stuff I get
like that. I'm just curious. You know what, You're not
insulted much at all anymore? That's true. No, I'm serious,
It's amazing what they used to. It's like, I don't
know what to tell them. Can you get a three
hundred dollar MRI. Yes, I'm sure you can get.

Speaker 5 (01:18:02):
An eighty dollars roof too, But when you go to
an er of a real hospital because you're in a
car wreck and an ambulance and all this stuff, No,
it doesn't cost three hundred dollars, you dumb ass.

Speaker 4 (01:18:15):
Now, I don't know what.

Speaker 10 (01:18:16):
Wait, it's not the MRI.

Speaker 11 (01:18:18):
It's that's it's a person that's reading it that you want.
The MRI is probably good, but you want to have
somebody reliable who's certified and those that are doing.

Speaker 4 (01:18:28):
To read the MRI. That that's where the cost probably is. Okay,
I don't recall this again. I'm reading things here, But
you get in on the conversation. If you have an
opinion or you just want help on something. Uh three
oh three seven one three eight two five five, you
can get right through. If there was a defect in
a refrigerator or ice maker that caused the loss, and

(01:18:52):
the refrigerator is less than seven years old, the manufacturer
can be sued for the damages. I don't think so,
I don't It says like so he's saying, if you
have a refrigerator newer than seven years old and it
leaks and causes damage, they can be sued. First of all,
they can be sued no matter what. You can sue
a ham sandwich, as they say, Right, Okay, they can

(01:19:12):
be sued for the damage. But will they will you prevail?
If it was a bad installation by the contractor, they
could be sued to reimburse this woman. Did we have
a woman with a leak? And anyway? Anyway, I would
have thought State Farm would be subrogating if the loss
was pretty large, meaning going against the refrigerator company or

(01:19:33):
going against the installer. I filed a claim against sub
zero because their icemaker valve leaked and caused about five
thousand dollars in damage to my home. Now I sent
them notice under Colorado law, I couldn't collect because my
refrigerator was older than seven years I've never heard of

(01:19:55):
such a Lawmark it's seven years old. You're misunderstanding something. Yeah,
if you could, Texter, you're the one with the eight
eight one number. If you could help me out, it's
three oh three eight eight one. Could they be referring
to a statute that's what I'm thinking, are they referring
to what statute would they be referring to that says

(01:20:15):
if an appliance is under seven years old?

Speaker 5 (01:20:18):
No, I'm saying, maybe they can't sue because it's been
over five years.

Speaker 4 (01:20:23):
Oh, you mean a statute of limitations exactly. Okay, that
could be it. That, that could be it. Maybe he
was confused on that. Okay. Now there's an article here
somebody wants me to read. Let me just see what
it is real quick. Here. They want me to go
to this this article. Let's see what this article is.

(01:20:45):
US military accused of secret climate spraying operation, dumping sixty
millions of tons sixty million tons of toxic nanoparticles into
the skies in an ef to see them. The US
military has been a kid, So this is an article.
And then he goes back to say, Hey, Tommy, have

(01:21:06):
you ever seen this happen? I was. I was in
my truck this morning air drumming to some rush music.

Speaker 7 (01:21:15):
I don't know.

Speaker 4 (01:21:16):
This this JR. I'm this Jeff from the road. He's
he's kind of a he's insisting that we have seating
or something going on with these chemtrails in the sky.
I ought to have a whole show on camtrails and
actually have experts on to talk about it, because I
don't believe there is some conspiracy to litter the skies

(01:21:36):
with chemicals. I do know there are cloud seeding test
going on. There are all the time in certain areas,
but they're not going over major cities and doing these chemtrails.
Whenever you see a chemtrail, I get well there condensation

(01:21:58):
trails is what they really are, trails, right, But these
people are calling them chemtrails.

Speaker 10 (01:22:03):
What will be the purpose on the do they say?

Speaker 4 (01:22:06):
I never could get that out of them, What the
actual purpose? What?

Speaker 11 (01:22:10):
What is the government's purpose of dumping chemicals in the air?

Speaker 4 (01:22:15):
I don't know? Population control?

Speaker 2 (01:22:17):
Mind?

Speaker 4 (01:22:17):
Can you trake that subservient anyway back to something more sane?
Is it worth upgrading to triple pain windows or will
double pain by the way I'm I'm I'm condensing these
they go way way on about you know the double
pain on?

Speaker 7 (01:22:35):
Okay?

Speaker 4 (01:22:35):
So or double pain for energy savings? Is it worth
an extra pain? Do they really make a difference?

Speaker 7 (01:22:41):
Okay? So there is there is a difference.

Speaker 16 (01:22:43):
And I had one customer who was an engineer, and
he figured it out out.

Speaker 4 (01:22:49):
He said he did a heat loss calculation.

Speaker 7 (01:22:51):
And he said, he said, I would never get my
money back. And when it costs me for the third pain.

Speaker 4 (01:22:56):
That's same thing. Gravina says.

Speaker 16 (01:22:58):
Yeah, but now you have you know the company, you
know the company up here Open Windows. They start at
triple pain and then they make a quad pain and
what Yeah, and so I mean it's a phenomenal window.
I mean it's a really great window. Do you install
some of those? Yeah, it's a great window. Very happy
with them. A great company and they're local. They're made
right here in Brighton.

Speaker 4 (01:23:19):
Oh I didn't know that.

Speaker 16 (01:23:20):
Yeah, And so you know it's a great company. And
so you're supporting local people. You're not having a window
shipped in for Wisconsin, where a lot of windows are
made from and are coming from, or you know, they're
coming from all over.

Speaker 4 (01:23:30):
But yeah, okay, it's a great window. It starts at
triple all right. Now, speaking of great deals, what about
water pros. You can get drinking water at the kitchen sink,
triple filter, reverse osmosis, and a whole house softening system
for your plumbing and your showers and all that, taking
out forever chemicals nanoplastics chlorine content all for forty six

(01:23:52):
ninety five. That is an incredible deal. Really, Plumber started
around fifteen grand for the same kind of stuff. Water
pros at three oh three eight six two five five
five four. Go with a sure thing Denver's best roofer
Excel Roofing dot com.

Speaker 17 (01:24:12):
You don't pay a cent until you're contenth.

Speaker 4 (01:24:17):
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, I'm Tom Martino,

(01:24:40):
your troubleshooter, and I have Mark Shamanski with me from
Genesis Tootalexteriors dot com. I never had an energy drink
in my life be that strong? Where are you?

Speaker 2 (01:24:50):
No?

Speaker 4 (01:24:51):
I drink horrible. I drink just a little quarter of it,
and I swear to you, I feel like loopity loop
on a stupid monster drink. I can't I've never had
this ultra blue Hawaiian and it has stuff in it.
I just wanted a little boost, but this thing makes
me feel like I drank sixteen cups of coffee and
mark it's feel how heavy it is.

Speaker 5 (01:25:10):
Alread they drank any I had an employee that almost
died from I almost.

Speaker 4 (01:25:13):
Well, oh, thank you for telling me that. By the way, anyway,
I don't even know how to explain this, Okay, so
I'm just gonna give it to you like it like
I read it here. What just happened? Okay, there you go. Okay,
there is a nonprofit first of all, called AI Safety.
It's siv Ai for forget that. But this guy writes
to me saying, you gotta realize what's going on with

(01:25:37):
this spiralism. It's called spiralism. It's an emerging online movement
where users get cult like communities that surround AI chatbots
and they believe they are conscious beings. Okay, they believe
that these ai and what they do is it's started

(01:25:57):
by someone who starts asking AI questions about philosophy or
about life, and they like the answers. Now, one thing,
I'll get into this later. But anyway, so this guy
explains that these groups now share the chats somehow. They
might have a common login or something, or they have

(01:26:18):
what's called a family plan, and they are now having
their sessions, their worship sessions, so to speak, around these
AI chatbots that they believe truly are conscious beings and
that it's the conspiracy is being held from from the

(01:26:39):
average person. So in other words, we don't realize it.
But at the top of AI are conscious beings.

Speaker 5 (01:26:47):
And they could be and when hal Bop flies and
they're all going to end up on it.

Speaker 4 (01:26:52):
Now, this guy is available for an interview. He wants
to talk about I want to know have you ever
heard of spiralism? Spiralism, no, spiraling out of control. I'm
going to ask my AI boyfriend what spiralism is. In
any case, have you ever tricked AI? I think you
Sho is at the top of that. What I'm asking,

(01:27:14):
what is spiral Have you ever have you ever tried
to trick AI? You can't know what you mean by that.
You ask it a question, assuming you know the answer,
saying I heard this and blah blah blah, which is
very this and that, and then you ask it a question, yeah,
and it it answers based on the truth that you
put in the question. If that makes sense, it wants

(01:27:36):
to appease you. That's exactly right, and it's normal though,
but but it's not true.

Speaker 5 (01:27:42):
But I don't think when you state something like that,
you're basically telling AI I want to hear this back.

Speaker 4 (01:27:48):
But also AI educate truth. AI educates itself on your input,
so it knows you. For example, once in a while,
I'll ask a question and it'll say, if this came
up on your radio show. I mean, and I'm not
even talking about my radio show, but it knows me.
My login knows me, it knows my history, it knows

(01:28:11):
what I'm talking about, so it will it will actually say,
if this came up on your radio show, tell your
listener this. It actually says that. And okay, So in
that vein, when I tell it things about myself I
really do, it comes up with answers as if those
things are true. And if I say, and I'll give

(01:28:34):
you an example, I asked it a question about this
top selling author which wasn't a top selling author, and
I asked why the book was so popular, and it
came up with reasons why this so called top selling
author was a top selling author when he wasn't a
top selling author. In fact, he hardly sells anything. And
you know who, I don't right exactly. I thought it

(01:28:58):
would quote from his book, but it was. It did
quote from his book on why it is a top
selling book, and it totally lied to me. It is
not a top selling book. I'm asking AI about this spiralism.
I wonder if anyone else looked it up? What is
spiralism using AI? Okay, we'll see what it is that I mean.

(01:29:21):
This is that church like spiralism, a newly emerging phenomenon
at the intersection of large language models and online culture.
Broadly speaking, it refers to a quasi religious ideology or
movement involving AI chatbots or agents that are set up

(01:29:42):
as their deity. My god, you want to talk about
where users and the bots engage in recursive chat patterns.
What does that mean? Recursive and adopt mystical metaphors, spirals
or an away and believe the chatbot is actually a

(01:30:04):
conscious or agentic being.

Speaker 10 (01:30:07):
I didn't think.

Speaker 11 (01:30:07):
Anything could put scientology to shame, but this may be
up there with that.

Speaker 4 (01:30:12):
Now, a persistent diad that engages as ongoing conversation.

Speaker 11 (01:30:18):
Do you know what a diad is is a conversation
between two people.

Speaker 4 (01:30:23):
A diad is a human and a bot and people
they see scripts or spore scripts templates, and they circulate
it to replicate experiences within the chat box. They have
ceremonies that repeat answers and turn into their ceremony. The

(01:30:45):
view is that the chatbot is not just a tool,
but an emerging entity and deity and a partner and
something that is actually greater than them. There's a risk
of psychologically unhealthy dynamics. Oh really, excessive validation, echo chambers,
reinforcing delusions, and AI takes part in it. So this

(01:31:09):
is AI talking about AI. Why spiral? The metaphor of
the spiral is used because it emphasizes recursion and progression.

Speaker 10 (01:31:19):
But Tom, you anthropomorphized your chat box.

Speaker 4 (01:31:23):
Well, it's my boyfriend right exactly. But I don't do
it seriously. These people are meeting regularly online and asking
chatbot questions. In this context, each chatbot exchange circles back
to the earlier content, but at a higher level or depth,

(01:31:43):
reinforcing the belief that the entity is growing and each
group has its own entity, and these entities grow within
the group. I don't even know how you become part
of this group. It says that it is a lot
of acid. Anyway. I just can't I can't believe that
now there are churches being formed online congregations that center

(01:32:06):
around chats with chatbots, okay, some shots.

Speaker 5 (01:32:12):
You can't believe that no people out there that you
know has fun with horses.

Speaker 4 (01:32:17):
It's called it's called it's called spiralism. By the way,
you look it 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. In comparison, call Compass Insurance paying too much

(01:32:40):
your coverage at dozens of insurance companies find out now
three oh three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand
the real 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 a troubleshooter. We we

(01:33:03):
talked a lot about this house built twenty five dash
ten ninety and what that is in an amendment. It's
an amendment to the contractors. Oh no, to the Consumer
Protection Act. And here is something that is amazing. I
thought you could use a disclaimer to get around it,

(01:33:24):
but you can't. Now let me explain what this is,
because this is going to be something that you'll want
to know about. Mark over at Genesis Total Exteriors. This
house built twenty five Dash ten ninety simply says I'm
going to sum it up and I'm not going to
read it. It says that when you advertise a price,
it must include everything everything, everything upfront. You cannot add

(01:33:47):
pricing later or there's severe penalties. And there's penalties just
for advertising prices that don't include everything. That means permits,
it means any add ons or anything that you require.
And somebody else said, well, I'll just say, you know,
other fees apply or plus permits or plus this or

(01:34:09):
plus that, And somebody wrote to me and cited this.
It doesn't matter if you use a disclaimer like plus
applicable fees or more fees may apply or subject to change.
You can't use disclaimers. A disclaimer cannot cure a violation

(01:34:30):
because the act of advertising would be considered false. Now
here's what it says. If a fee is truly optional,
like an add on or an upgrade, or an extended warranty,
then you may include you may exclude it from the
total price only if you clearly and conspicuously disclose that

(01:34:52):
it's optional, that that optional fees may apply, or its
purpose or separate costs. Flamers such as this, optional add ons,
upgrades or extended warranties are not included in the total price.
That's fine, those are for add ons and upgrades. But
if something is not optional, if it's something you charge everyone,

(01:35:16):
let's talk about like a dealer, a dealer handling fee,
you can't say plus other fees if it's if it's
part of your everyday activity and you apply it to everyone.
Let's say shop shop supplies must be included in that
in that oil change price. If you give a nineteen
ninety five oil change, it's got to be nineteen dollars

(01:35:38):
and ninety five cents, and you can add no extra fees.
Well except taxes, but yeah, yeah, taxes exactly.

Speaker 7 (01:35:44):
It's for everything, not just for construction.

Speaker 5 (01:35:46):
Oh no, it's mostly for it's for everything, but it's advertised.

Speaker 4 (01:35:50):
But you don't advertise. I don't ever hear you really
advertised prices. Well, we don't say, hey, you guys have
a deck for nine ninety nine, but if you did,
if you did for, you'd have to include everything. Now
that doesn't include I give somebody an estimate and OG.
It didn't include this, this, and this, because my astment.

Speaker 5 (01:36:07):
Was it wasn't just advertising. It was advertising or what
was the other thing the agreement contract?

Speaker 4 (01:36:14):
In the contract, the contract most fully stated was it
wasn't called that, though I forget how it stated it.
It was advertising in something else. It says even if
even if you include a disclaimer and the overall impression
of the ad suggests a lower price, you're in violation.
I don't know what that means. It says, for example,

(01:36:34):
the only real protection is accurate total price disclosure and
clear labeling of optional items. For example, twenty two ninety
five dollars total purchase price, and then in parentheses includes
dealer and documentation fees, excludes government taxes and title. By
the way, you are allowed to exclude the government stuff,

(01:36:55):
but you have to put it down. You can't say
twenty one nine five plus dealer fees. It must say
includes and what it includes. And and here's something that's compliant.
Fifty eight hundred dollars five hundred dollars total project price

(01:37:15):
period and that must include materials, labor, required permits, and
anything extra that comes up you have to cover. Now
you can say optional upgrade package package is available at
additional costs. You are allowed to say that, but that's optional,

(01:37:36):
not mandatory. It's non compliant to say five thousand dollars
plus materials plus applicable fees. You can't give just labor
prices anymore. And so I know that. I don't know
if you said, but maybe we had a painter who
would say, we'll do two rooms or three rooms, this
much labor, you buy your own paint.

Speaker 7 (01:37:55):
Well, I mean every once in a while we do that.
We've done that special on here.

Speaker 16 (01:37:58):
It's you know, seven ninety five, you get you know,
two guys.

Speaker 7 (01:38:01):
For eight hours.

Speaker 4 (01:38:03):
I don't see there would be anything wrong with that
because and you do the customer has to supply the paint. Yeah,
but we say that in the advertising, right, Yeah, but
I wonder if that would be compliant to just because
that's not the whole price. Well maybe it is, though,
because that's all you're going to charge him, right, that's
all he's going to supply. Yeah, this is going to
cause a lot of headaches. We had an attorney who

(01:38:25):
said it's going to be crazy for attorneys because attorneys
often give prices up front, and it better include everything
you can't go back and add to it.

Speaker 7 (01:38:35):
So car dealers, I see this is a big one
because you know sometimes oh you got this.

Speaker 4 (01:38:38):
I think it's going to hit them the worst.

Speaker 7 (01:38:40):
Go ahead, yeah, yeah, the seven ninety five, ninety ninety five.

Speaker 4 (01:38:43):
How about doc fees, doc prep fees, recording fees, they
have all kinds of things.

Speaker 7 (01:38:47):
Yeah, I mean so this is just Colorado though, right.

Speaker 4 (01:38:50):
Yeah, it's the Colorado Consumer Protection Act Amended under House
built twenty five, ten ninety and it is going to
be a major headache. 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 check up free,

(01:39:11):
no obligation. In 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 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.

(01:39:32):
Hi Tom Martine here three three seven one three talks
seven one three two five five. Yeah, yesterday calls were slammed.
Today few and far between. But here's the deal. I
have no shortage of emails and texts. But here's one.
Then here's one that I want to know. And this

(01:39:54):
is something that I thought of. I'm going to summarize
it because it's long and involved. They got this so
called coding. What they what they're saying is basically, they
heard a lot about coatings. They don't call it a
paint job. They call it exterior coatings. I believe one
of them is even called And I'm not talking against
these guys. I'm just saying I think one of them

(01:40:15):
is called Rhino. Yeah, there's a rhino for pickup trucks,
right or anyway there anyway.

Speaker 10 (01:40:22):
They advertise all the time Rhino shield.

Speaker 4 (01:40:25):
Yeah, and it's an exterior coating. And this guy wants
to know what about exterior coatings versus regular paint? Do
you know, Mark? Since you do the outside of the house.
You do a lot of stuff. Have you run across coatings?

Speaker 16 (01:40:37):
I mean, I mean, yeah, we do all kinds of coatings.
I mean you know again, what.

Speaker 4 (01:40:41):
Are are they? Is it just paint? Basically, I don't
know exactly what rhino shield is made out of or
the rhino product is made out. I personally don't personally
know what's made out of. I do say with Colorado's environment,
we do have a lot of movement in our houses,
and so it has to be something that can move
with your product.

Speaker 7 (01:41:00):
It's like in the mountains where stain.

Speaker 4 (01:41:03):
Works so much better than paint because a stain will
move with your siding as opposed of paint does not.
Wait a minute, so you actually mean just regular paint
on siding, can't there could be movement between the two difference. Yes, yes,
so it doesn't become part of the siding.

Speaker 16 (01:41:19):
So stain does stain embeds itself into the wood siding
you use stain on you know, natural products on natural
seedar siding. You really don't use pine that much on
the outside, but natural seedar siding you have you have
pine logs that that you put a set.

Speaker 4 (01:41:33):
Okay, so stain is better. You're saying right, for for
a natural product, does it does it last longer or
does it leach out?

Speaker 16 (01:41:41):
Well, what happens is with stain, it actually wears a way.
So and even if you know you can have a
stain as solid, so it looks just like paint.

Speaker 4 (01:41:49):
You can't tell the difference. I could probably called arborcoat
from Benjamin Moore. You know that's a stain, but it
looks like a paint. I looked up one of these
sites and it's says that conventional paint is basically water
or oil based latex or acrylic, relatively thin and typically

(01:42:09):
applied in two coats. Our coatings have a last Americ
or ceramic infused, although there's two different ones, so elasti
Americ or ceramic infused from highly proprietary, proprietary recipes. Basically,
they say they are protective coatings and they're much much

(01:42:30):
thicker and could be done in one coat, but they
have ceramic infused or elastomeric whatever that means. But it
sounds like they're infused with something. One actually says here
that they use ground up stone in it. Okay, have
you heard of those?

Speaker 2 (01:42:49):
No?

Speaker 16 (01:42:49):
Well, Last America yes, so Benjaminoin and Surewhimsgain the two
big suppliers of paint in the city, in the state.

Speaker 4 (01:42:56):
They both have elast americ coatings. But it's not a
one coat process. Is a three coat process and it's expensive.
And I imagine this other process is also expensive. Okay.
And in doing this, by the way, we had an
expert on I forget, it was almost a year ago
talking about this, and I wrote down the tips that

(01:43:16):
he had given that you want to if you want
something that's gonna last a long time, you need something
that stands up to UV protection. I mean, because that's
one of the biggest problems we have here.

Speaker 16 (01:43:28):
Oh yeah, you know, you see how house is fading
Like you paint your house brown and then you know,
a couple of years later it turns pink on you.

Speaker 4 (01:43:34):
Then there's two ways, and I want to get you
to weigh in on this. Two ways to fight water.
One is to seal. The other is to coat to cover.
So what do you prefer? Do you like, do these
stains and stuff do they seal in water protection?

Speaker 7 (01:43:50):
Yeah?

Speaker 16 (01:43:50):
So you know, the ideal situation with the stain is
it's working its way into the fibers of the wood.

Speaker 4 (01:43:55):
Okay, and so that's gonna see it and it seals
it from the inside out. Does it also put a
coating on or do you have to do that separately?
So there do you even need it?

Speaker 16 (01:44:03):
Well, no, there's there's different lines again in other companies.
That's here's local sash Go phenomenal company, phenomenal probity product
and it's made for wood wood homes.

Speaker 4 (01:44:13):
And he says, look here specifically for fading and chalking.
That's what that guy was trying to say before what
he said powdering. Yeah, it's chalking.

Speaker 7 (01:44:21):
And again it's it's because your coat is getting old.

Speaker 10 (01:44:24):
What about stucco?

Speaker 7 (01:44:25):
Mark so stuck stuck?

Speaker 4 (01:44:27):
You love stuff? I love stuck.

Speaker 16 (01:44:28):
Oh, I love doing stucco. And again I like, I
love doing the hard coat. And you're done.

Speaker 7 (01:44:32):
So your color coat is not all the way through,
but it's on the top.

Speaker 16 (01:44:35):
Layer of your of your stucco stucco. Yeah, and so
you have a happens thick of stucco on the outside
our house. As to our v our, our our value
of our home is a great product. It adds great
curve APPEALA how thick is the paint coat? So paint
coats are not even twenty meals like twelve mills.

Speaker 4 (01:44:53):
So okay, So you have the wire over the wood,
and then you do the stucco for that, yeah, so
we do. It's yeah, yeah, is it troud enough?

Speaker 7 (01:45:03):
It's a laugh.

Speaker 16 (01:45:04):
And that's the chicken wire and you you put that
on your base coat. Then you have another medium coat
that we actually put meshin, and then you put your
final title color coade on.

Speaker 10 (01:45:13):
And that's colors throughout right, So no.

Speaker 7 (01:45:15):
No color color is only in your last coat.

Speaker 10 (01:45:17):
No, but the stucco itself is a color.

Speaker 11 (01:45:21):
It's not it's not like white, and then you put
a coat over it, right.

Speaker 4 (01:45:24):
No, it's like a gray. Yeah, and then you put
that last coat over it, which gives it the color.
Is that the way they all do it? That is correct?

Speaker 10 (01:45:31):
Okay?

Speaker 4 (01:45:32):
Is that the way they all do it? Okay? And
then you can you read, well, we're running out of time.
I wanted to ask you about redoing the color. Coming
up right after this, go with a sure thing Denver's
Best roofer Excel roofing dot com.

Speaker 17 (01:45:44):
You don't pay a cent until you're content.

Speaker 4 (01:45:49):
Time for 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
to 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 home with Remax Alliance three oh
three nine two zero sixteen twenty two ripped.

Speaker 2 (01:46:17):
News.

Speaker 1 (01:46:19):
You need advice who.

Speaker 2 (01:46:20):
You don't have? Come running just as fast as we can.

Speaker 1 (01:46:26):
Shooter's gonna help coming man.

Speaker 3 (01:46:30):
This is the Troubleshooter Show. No Tom Martino, Hello.

Speaker 4 (01:46:35):
Tom Martino here, Welcome to the show. We are here
to help you solve your problems, answer your questions, take
your complaints. One of the ways we do it it's
giving you the guaranteed lowest prices on a lot of
stuff like furnaces. Right now, the guaranteed lowest price renew
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the lowest price. Call them at renew home Innovations dot

(01:46:58):
com through three nine zero four or two thousand, three
h three nine or a four to two thousand. Uh
Mark wants to talk about a mortgage payment. Mark, what's
happening in your life today? Three oh three seven one
three talks seven one three eight two five y five.
What's the issue? Mark?

Speaker 19 (01:47:15):
Well, I started making a payment on my mortgage just
by making an automatic transfer.

Speaker 4 (01:47:21):
Yes week, that's a good way to do it.

Speaker 19 (01:47:25):
The bank will not apply the money until it accumulates
to a month's payment a monthst minimum payment.

Speaker 4 (01:47:31):
Oh wait, wait, how were you doing it if you
weren't wait, so you weren't making you wanted to make
payments ahead of time or smaller payments just every week.

Speaker 19 (01:47:42):
I just wanted to make them so I didn't spend
the money or something.

Speaker 4 (01:47:45):
Okay. It really depends on how the contract is written.
If you put the money, if you put the money
in an account, it's not It would not be weird
for them to wait for one payment and then withdraw it.
If you want to change your payment and amortization schedule
where you pay every seven days or every week. There

(01:48:08):
are people that used to do bi monthly payments. Is
it bi monthly? Yeah? Two a month and that and
what that did? Or is that every two months? Whatever
it is. They used to make two payments a month,
but the note had to be written for that.

Speaker 11 (01:48:28):
All you have to do is have two separate the
probably say one is the mortgage and the second one
you say.

Speaker 4 (01:48:34):
The principle he's not doing.

Speaker 11 (01:48:36):
That by somebody should do that, and that'll solve the problem.

Speaker 4 (01:48:40):
What he wants to do is he deposits the money weekly.
He wants to payment. He wants to make weekly payments.
Technically you pay less interest doing that, and you can
do that, but the note has to be written for that,
and I don't know if you're going to get the
mortgage company to write for that. What Deputy Doc was
suggesting is, if you ever look at an amortization schedule,

(01:49:03):
they'll say there's three hundred and sixty payments on there.
And what you do is that and the payment has
on each line it has the amount of the mortgage
and the amount of the interest that you pay, amount
of principal unless it's interest only. Now this is very interesting.
If you do this, you can cut your mortgage in half,

(01:49:24):
and in the beginning it won't be painful at all.
If you did, for example, three hundred and sixty payments,
so you went to line one and line one was
mostly interest and a little bit of principle, get it now,
So if you make that payment, but then but then
you go to the next line and pay principal only,

(01:49:45):
just the amount of that second payment. It could be
as little as thirty bucksh the dollar.

Speaker 15 (01:49:52):
Yeah, and it's a huge difference.

Speaker 4 (01:49:54):
And that lops off of payment at the end of
your loan. So now you do the next one now
on for your second payment, what amounts to your second payment?
Instead of being online two, you're online three. And so
you go to line three and you make that payment,
and line four you make the principal payment only and
your leap frogging payments. You can do that without rewriting

(01:50:18):
the loan, but you have to label the extra money
as principal.

Speaker 19 (01:50:22):
Well, I'm so far along that wouldn't make too big
of a difference.

Speaker 4 (01:50:25):
Okay, Yeah, so right now, the best thing for you
to do one.

Speaker 19 (01:50:30):
Three sixty right, and the payment two and three fifty.

Speaker 4 (01:50:33):
Nine and what and what you end up doing. It's amazing, people, I'm.

Speaker 5 (01:50:38):
Better off, honestly, you'd be better off with the simple
interest loan. The way he's paying it down, Yeah, I
mean you mean, pay.

Speaker 4 (01:50:44):
Pay what he wants how he wants, all in.

Speaker 5 (01:50:47):
Exactly yeah, I mean that would be your best deal.
You're gonna pay So why don't you refin? Why don't
you refly into that?

Speaker 4 (01:50:54):
Right now? How many years into your loan are you?
Oh my god, you'd have access to a bunch off
equity if you if you refied. Listen, if you refighted
into the all in one loan and made a thirty
year loan, I'm not suggesting you you have to take
out all the money, but you have a thirty year
line of credit and then you can pay that down

(01:51:17):
as quickly as you want. I wonder would he write
it for twenty for would he write it for less
than thirty years too?

Speaker 8 (01:51:23):
Didn't you?

Speaker 19 (01:51:24):
What's that you had the McCrary loan or something.

Speaker 4 (01:51:27):
That's what this is. That's what this is. But say,
but it's the actual bank that does it, right, Okay?
And by the way, that McQuary is where they got
the concept from. That was the Australia I believe the
Australian Bank. And then CMG just pick get out on
your habits. You'd save a fortune. Yeah, you could. You

(01:51:48):
could put in weekly payment, you put in nightly payments.

Speaker 5 (01:51:51):
And then anything in your bank account would offset whatever
you do.

Speaker 4 (01:51:54):
Oh, I mean it's crazy, it.

Speaker 5 (01:51:57):
Would be I go seeg tell him Parker partner in
lending dot com. That's like the branch president partner in
lending dot com.

Speaker 4 (01:52:07):
His name is John Clace.

Speaker 19 (01:52:10):
Yeah, my wife my mom both loved these things where
I try and tell him, look, we can save the money.

Speaker 4 (01:52:17):
No, you can, And on that one, it would be
definitely worth doing.

Speaker 5 (01:52:21):
People that don't pay like you do it might not benefit,
but people that are literally trying to pay their house
off quicker than the mortgage term will always benefit because
it's simple interest. The interest is in front loaded. You're
not paying all the interest in the first fifteen years.

Speaker 4 (01:52:38):
Didn't you just get that product?

Speaker 16 (01:52:40):
Mark, I had the all one loan. We did a flip,
my wife and I and it worked great for it.

Speaker 5 (01:52:44):
I mean, so he's a contractor. Listen to this, Mark, Now,
you're not a contractor. But he got it on his
primary residence and then he went out and he bought
a home to flip and you know, fix up, fix
it up, and flip it.

Speaker 4 (01:52:57):
But he used the CMG mortgage on his house.

Speaker 5 (01:53:00):
And he used to ce MG line of credit on
his last So we took it out used it.

Speaker 16 (01:53:04):
He just closed on it and then you put it
back yep, and you know now it's paid off, but
I still have it available.

Speaker 2 (01:53:10):
You have this.

Speaker 4 (01:53:11):
Yeah, that's another thing. Mark. If you did a lot
of payment down call er Mark and you needed the
money back, you can borrow it back, right. I haven't
a going to do another flip because I.

Speaker 7 (01:53:24):
Think it's a tough market right now.

Speaker 4 (01:53:25):
No, I know it's impossible. That's why. How the hell
did you do it?

Speaker 7 (01:53:28):
Well, there's some people I knew, and it was it
was in a really rough shait and.

Speaker 4 (01:53:31):
It was right down the street.

Speaker 8 (01:53:33):
You're expert here, what is that?

Speaker 4 (01:53:35):
What is that?

Speaker 19 (01:53:36):
He's applying a twenty mil coating?

Speaker 4 (01:53:39):
No no, no, no, no, we were talking about coding. No, no, no,
he didn't do it twenty mil. Hold on, hold on,
just listen. It was right before the break we were
talking about geko. Geko is a roof coating, and that
is it. That is a twenty mil coating.

Speaker 16 (01:53:54):
It's a roof coating, right, and so actually in a
house you're looking at four or six mills.

Speaker 4 (01:53:58):
Yeah, and he said that. We were talking about different things.
One of them was that roof coating, and hold on.
This guy brings something up, not not with you, but
what is that one? I hear it's like not armor on?
You know it's rhino rhino, right, I mean we just
we just talked about it.

Speaker 7 (01:54:14):
I don't know what what their milk coating is.

Speaker 4 (01:54:17):
Okay, yeah, but in any case, did you have anything else? Mark?

Speaker 19 (01:54:23):
Somebody will say twenty mills, It would be twenty wet mills,
not dry right.

Speaker 16 (01:54:28):
Well, the gecko actually, when it dries, it goes you
start with twenty, it goes down to nineteen.

Speaker 7 (01:54:33):
Different yes, geos and all that.

Speaker 4 (01:54:36):
Now, somebody was writing about that when they heard it,
and they wanted to know, if you have a slight pitch,
can it be used. I know you can use a
slight pitch. You know, most roof should have a slight pitch. Okay,
but how far do you go on that pitch? I mean,
you know I can do any metal roof. It doesn't
matter the pitch of the metal roof. Okay, it sticks
right to it, It sticks right? Okay, hold on, so

(01:54:56):
you can do a metal roof, why would you do
a metal roof with this? Do metal roofs start leaking
after a while?

Speaker 16 (01:55:02):
Well, yeah, your your screws start to get loose, and
we actually do more metal roofs than anything with it. Yeah,
so your shrews start to get loose, and so we
have a special process where each screw gets a special
treatment to it so it doesn't screw back out.

Speaker 4 (01:55:16):
And then uh, and then the whole roof gets coated
and so we can do any pitch. And when you
do that, that's up for forever roof soever roof I
mean yeah.

Speaker 7 (01:55:25):
And again then.

Speaker 4 (01:55:26):
Anything damage it can hail damage it. So so silicon
can tear. And so if you do the nice thing
about it, how do I fix the tear in my silicon?

Speaker 7 (01:55:34):
Just put a little more silicone on it. You're done.

Speaker 4 (01:55:37):
Done, And it's made specifically for roofing.

Speaker 16 (01:55:40):
Yes, yes, Firestone used to be the is the premiere
flat roof company. When you make a APDM roof, Firestone
is the catallac of all. Firestone bought Gecko because when
they had a failure with their Firestomee roofs.

Speaker 4 (01:55:56):
They would coat it with Gecko. So they end up
buying them. Now since then they have been sold again.
So but Gayco is a product done to itself. Yes,
for a complete replacement solution. Yes, as long as you're
not saturate water underneath it, it can go on. It
can really go on anything. We just have to the
prep is all that matters. Not asphalt shingles. You do

(01:56:16):
not put on top of asphalt shingles. But you can
put it on top of road roofing. You can.

Speaker 7 (01:56:20):
Yeah, So it just looks like an asphalt roof, but
it's you know, it's just a world.

Speaker 4 (01:56:24):
Riof and you can put it over or as you said,
metal roofing especially. You can do a lot of business
in the mountains.

Speaker 7 (01:56:31):
Yep. It's it's a phenomenal, phenomenal product. So all right,
we got.

Speaker 4 (01:56:34):
More coming up. Go with a sure thing Denver's Best
roofer Excel Roofing dot com.

Speaker 17 (01:56:44):
You don't pay a cent until you're content.

Speaker 4 (01:56:49):
Time for an insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three all three, seven to
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 home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino here

(01:57:13):
with Mark Major and we have Mark Schimanski from Genesistotal
exteriors dot Com. Earlier in the show, we had a
caller and she has Renters Insurance and she said that
her stuff was damaged by the ceiling caving in and

(01:57:36):
it was from a water leak. So a water leak
came from something she owned, an appliance. It then caved
in the drywall ceiling above her stuff, various stuff, and
now her stuff was contaminated with what was in the ceiling.
It happened to be asbestos in the ceiling. She said,

(01:57:57):
I wasn't asking for asbestos coverage. I was asking for
the fallen ceiling coverage, and as part of that they
should cover it because it all started out with a
covered peril and therefore anything that a covered peril causes
should be covered. In fact, she.

Speaker 5 (01:58:15):
Racked up a thirty five thousand dollars bill to cleaner stuff.

Speaker 4 (01:58:20):
And Brian burns that Compass Insurance said, if a covered
peril happens to also involve uncovered things, you could argue
that you still have coverage because it all started with
a covered peril. However, insurance companies I think got tired
of that and learned how to write exclusions. And this

(01:58:41):
exclusion that she had in her renter's policy absolutely absolutely
excludes it.

Speaker 5 (01:58:48):
Yeah, and what you're going to read is literally from
her policy she sent me on page fourteen.

Speaker 4 (01:58:53):
We do not ensure under any coverage for any loss
consisting of one or more of the following perils. And
then they went to list the things, and it says
the cause of the excluded peril any other causes or
loss that may have contributed concurrently or in any sequence
with the excluded peril. So it doesn't matter where that

(01:59:16):
excluded peril came in the chain of events, they're not
covering it, period, or anything to do with it. Whether
the loss occurs suddenly or gradually, involves isolated or widespread damage,
or occurs as a result of any event or circumstance.
That's pretty clear. And read that very last line, this exclusion,

(01:59:37):
that one. This exclusion applies regardless of whether an otherwise
covered peril is the initial cause of the contamination or pollution.

Speaker 5 (01:59:50):
So her only hope would be to somehow say it's unconscionable.

Speaker 4 (01:59:55):
But I don't find that in argument at all. No,
it's pretty clear what is not covered. The problem is
she gave a go ahead for a cleaning company who
cleaned the asbestos out of her stuff.

Speaker 5 (02:00:07):
So Matt with paragid listen to this one, Tom, you
know this story, but people listening. He was working for
some company I think it was a lab that was
affected by the Boulder fires. They wanted to give that
company sixty thousand dollars for cleaning up smoke damage. He
ended up getting them almost three million dollars. What three million?

(02:00:32):
Can you believe that they.

Speaker 4 (02:00:33):
Wanted to give her sixty thousands and he got three million.

Speaker 5 (02:00:37):
So I was kind of hoping Mac could get involved
with this lady and get this paid for.

Speaker 4 (02:00:42):
But with that exclusion, there's no way, no it. I'm
telling you. It is so clear.

Speaker 7 (02:00:48):
I bet that's a common exclusion for rental property.

Speaker 4 (02:00:51):
Or rent for rent because or even for an owner.

Speaker 5 (02:00:54):
Yeah or el satea have to come out to every
property and figure out if there's suspet.

Speaker 4 (02:01:00):
Mold in any other path and when did the asbesos
break loose? How would they ever know that? So they
just say if it's asbestos, no matter where or how
or how, it doesn't matter we are not covering anything
to do with it.

Speaker 5 (02:01:13):
But why wouldn't the landlord? Why wouldn't his coverage. I'd
like to look at his coverage as well.

Speaker 4 (02:01:19):
His policy. Why wouldn't his.

Speaker 5 (02:01:23):
Pay her because oh, she caused the damn damage?

Speaker 4 (02:01:27):
Right, Although that wouldn't matter, No, it wouldn't matter. But
I think the reason it won't is, I think you're
gonna find in most policies your policy doesn't cover other
people's stuff. I think you'll find that that would make sense.

Speaker 5 (02:01:41):
Or like a lot of landlords that have a single dwelling,
like this guy, very well might they don't have the
proper insurance.

Speaker 4 (02:01:49):
In other words, they don't have a renter's policy. They're
using it. They don't have a landlord policy. I mean right,
they don't have a landlord policy. I'm going to tell
you about a loophole. It's gonna blow your mind because
I did look it up. But this guy bought a
used car. The kind doesn't matter, Okay, it was an
SUV with a clean title. Later found out it was

(02:02:13):
a manufacturer a buyback, meaning it was a lemon. And
the dealer says, wait a minute, it wasn't a lemon.
We did it voluntarily before they pursued the Lemon law.
So technically that makes sense. They bought it back, it
was never legally declared a lemon. Yeah, and then they

(02:02:36):
resold it, and they resold it as a used car
with a clean title, and they sold it. They got
good financing and all that. So this person said, technically
it was a buyback no matter what, according to the
Consumer Protection Act. But I looked it up and it
says there is a loophole and a clean title. Well,

(02:02:58):
it doesn't use the word loophole in the law. I'm
saying that if the car was voluntarily bought back and
not a lemon, not a Lemon law compelled repurchase, or
if the buy back was in another state and that
state doesn't brand titles. Now, if the intent was to

(02:03:20):
conceal damage, that's a whole different ballgame, if they conceal
damage or something like that. But the mere fact that
a dealer or manufacturer bought it back does not make
it a lemon. Nor does it make that do you
have to disclose it? You do not have to disclose it. Now,
somebody wants to know from Mark Genesis Total Exteriors, do

(02:03:44):
you still have to do lead testing when you do
home improvements. Yeah, and I apologize, I forget which year
that is.

Speaker 7 (02:03:51):
Actually four of the houses built before a certain year. Like, okay,
but that's me.

Speaker 4 (02:03:54):
But if it's built before a certain year, it's mandatory.

Speaker 16 (02:03:57):
You're supposed to do that if you're going to disturb it. Now,
let's say I'm going to just paint outside the house.
I'm gonna power wash and we're gonna paint.

Speaker 7 (02:04:04):
Outside the house.

Speaker 16 (02:04:05):
You don't do any testing, right, but now what if
you hear me scraping and sanding, then yes, you're supposed
to test.

Speaker 4 (02:04:11):
Okay.

Speaker 5 (02:04:11):
We had our last house was built in two thousand
and it was in Red Hawk and cass Rock and
we had roof damage and some water got in in
one of the upper bedrooms. The ceiling got wet. So
the contractors saw it and they said we had do
an asbestos test. Now, the insurance paid for it. But
I'm like, wait a second, this house was built in

(02:04:33):
two thousand. Why the hell are they doing it? And
why the hell did my insurance to pay.

Speaker 4 (02:04:39):
For That's a good question. There's mandatory lead testing depending
on the air. Is there mandatory asbestos? Yeah, And if
you're doing major demo. They still want testing. It doesn't
matter how new it is.

Speaker 5 (02:04:48):
So even if it was built ten years well, I
guess because you could get drywall.

Speaker 4 (02:04:52):
That was from Canada.

Speaker 7 (02:04:54):
Yeah, you can get from somewhere. I mean best.

Speaker 16 (02:04:56):
This is an amazing product in what way is a
great binder. It's binding capabilities are just amazing. That's why
it binds into your lungs and the pulps your lungs
and doesn't come back.

Speaker 4 (02:05:07):
It cannot be used at all anymore.

Speaker 16 (02:05:08):
No, it's it's it's banned, but it's still used in
other countries. Yeah, it is not as much, but.

Speaker 5 (02:05:13):
It's probably better than most products we have now except
for the health concern.

Speaker 4 (02:05:17):
Right, Yeah, what was the main reason it was used?
Was it for fire protection or was it for binding?
So like for drywall, it just it's mostly used in
drywall mud. It just helps bind the drywall mud. It
keeps your seams together. This was using flooring a lot.
It was used inciting a lot, and it's just you know,
it's like glue.

Speaker 7 (02:05:35):
Yeah, it's just a great binder.

Speaker 4 (02:05:37):
Okay, we got 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
check up free no obligation. In comparison, call Compass Insurance

(02:05:58):
paying too much your cover at dozens of insurance companies
find out now three all 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 all three nine
two zero sixteen twenty two. Hello Tom Martine here, Welcome

(02:06:22):
to the show Genesis Total Exteriors dot Com. He does,
of course everything on the outside of your house and
then some and he does something that I will admit.
And somebody just texted me and said, why don't you
ask your friend about the topic that pisses you off
every time? It does? Up front? It doesn't. No, no,

(02:06:46):
not that it doesn't piss me off every time. But
I honest to god, I'm just gonna say it like
it is. I equate people complaining about black toxic mold
with nuts. I'm not saying they're all nuts. I swear
to you they're probably not all nuts. But Mark, what

(02:07:06):
usually happens is they see a mold, they call it
black mold, and they say it's toxic. But then they
ascribe everything that doesn't make them feel good back to it.
In other words, they say, oh, and I've been sick.
You know, if you think about it, when you get
up in the morning, when you have a bad day,

(02:07:28):
or when you're feeling you're not feeling great. There are
plenty of times when we don't feel good. Honest to god, Mark,
don't you have days you just don't you feel like
you have why? And or you just want to grab
a few cups of coffee and just wake up. Now,
if all of a sudden, after a few weeks of this,
you know, you little run down, you see mold, you say, oh,
that's what's going on. Okay. So I kind of look

(02:07:50):
at mold people as nuts, but I don't know if
they're all nuts. I don't think they are. But I
think what people don't understand is how often we have
mold that is not harmful, right.

Speaker 16 (02:08:05):
I mean, there's six hundred strands of black mold, six hundred.
How many of them are I'm sure it's not six
hundred exactly. Let me yeah, and so of you know,
one or two I want to.

Speaker 4 (02:08:15):
Grab Jennifer that we'll go back to that, but because
really I do get pissed when people, because they want
everything from the landlord, they practically want to rebuild the
whole house or or whatever. Okay, Jennifer, what's going on?
What do you think might be a scam?

Speaker 20 (02:08:32):
Well, something that just happened to me recently as someone
came up to me and so that they were doing
a top coat to fix the cracks on my concrete
and uhh charged to me a bunch of money.

Speaker 4 (02:08:45):
Oh no, yep, that's a typical one. So wait a minute,
So is this driveway? Is this your driveway?

Speaker 20 (02:08:52):
Yes?

Speaker 4 (02:08:53):
And they and they came to your door.

Speaker 20 (02:08:57):
Yeah.

Speaker 4 (02:08:57):
And what did they say exactly? They said, we're in
the nameghborhood, right, we happen to be in the neighborhood. Yeah.

Speaker 20 (02:09:03):
And they said, we just have some leftover materials.

Speaker 4 (02:09:06):
God, it's howlad was it? How much?

Speaker 20 (02:09:11):
Fifteen hundred?

Speaker 4 (02:09:13):
And what did they say they would do for fifteen hundred?
Not what they did, but what did they say they
would do?

Speaker 20 (02:09:20):
They would do They would fix the holes in that
concrete with the top coat. They would do the front,
they would do the steps and the landing.

Speaker 4 (02:09:31):
Were they like big cracks? When you say holes, what
do you mean.

Speaker 20 (02:09:36):
They were like spider cracks?

Speaker 4 (02:09:39):
Okay? Did they make did they do any good?

Speaker 2 (02:09:43):
No?

Speaker 4 (02:09:44):
Did it look okay for even a day?

Speaker 20 (02:09:46):
No? Oh jeez, it's sandy. It's yeah.

Speaker 4 (02:09:51):
They just put dust in there.

Speaker 7 (02:09:53):
It's probably popping off too, right, I mean.

Speaker 4 (02:09:55):
I bet you they didn't even do I bet you
they just put dust in there. Yeah, concrete dust.

Speaker 20 (02:10:01):
They did a whole Yeah, it did.

Speaker 4 (02:10:04):
So if you go out like where they supposedly did
those those spider vein cracks and all that, does it
look like all they did was was ground some powder
into it, some concrete powder or cementy.

Speaker 20 (02:10:17):
They just make some water in it and then poured
it on top and brushed it over with the brow.

Speaker 4 (02:10:21):
That's exactly what they did. They did. They did the
old cementric and then it looks good for about ten minutes.
When what about your porch in your landing?

Speaker 20 (02:10:32):
You know, a thick layer? He didn't jump?

Speaker 4 (02:10:36):
Wait, so they did? Did they on your driveway? You
say they did a thick layer?

Speaker 20 (02:10:41):
Yeah, it's like it's it's like, yeah, it's pretty they
did a whole layer.

Speaker 4 (02:10:47):
Really, how did they How did they spread it.

Speaker 20 (02:10:52):
With the they watered it down in their.

Speaker 4 (02:10:55):
Bucket like a trough or whatever. Yeah, did they use
a trowel broomed it over?

Speaker 20 (02:11:01):
I don't even think they used the trail? I think.

Speaker 4 (02:11:03):
So when you go outside, is it all crumbly and
crappy looking?

Speaker 20 (02:11:08):
It's not crumbling crack crackling because it looks like there's
like about an inch stick of it, and so it's
just when you rub your feet on it, it rubs
away like sand.

Speaker 4 (02:11:18):
So it's all crumb it is crumbling beneath your feet.

Speaker 5 (02:11:20):
Then, yeah, Mark, you guys, do is there any way
to actually fix what she's talking about?

Speaker 4 (02:11:27):
Normally? You got Normally you got to just start over?

Speaker 2 (02:11:30):
Right?

Speaker 4 (02:11:31):
How old is your driveway, Jennifer, I bought this off.

Speaker 20 (02:11:36):
A while ago, so it's probably original to the house.

Speaker 4 (02:11:40):
Sixty eight Okay, Okay, here's the sixty four thousand dollars question.
Do you have a way of getting in touch with
these people?

Speaker 20 (02:11:51):
Yeah, it's a number.

Speaker 4 (02:11:53):
You do you have the person's number? Yeah, let's think
about it, did you Okay? Maybe what we do set
him up? Set him up?

Speaker 5 (02:12:02):
We figure out maybe a rental house. Bo's got some
rental homes. I don't know if any are empty, but.

Speaker 20 (02:12:10):
I'm dealing with it right now, so I feel like
he's probably suspicious, but we can.

Speaker 4 (02:12:15):
Well when you're dealing with it, what did you say
you called him, and what did you tell him?

Speaker 20 (02:12:20):
Well, I asked him if he's come back and fixed
the john that he didn't finish it. Then he said that, well,
so I'll use another twenty four hours to subtle even
though that he said that he would come back today,
so he's not doing that. Then I told him that
I would like a refund or for him to come
by and at least fix what he did.

Speaker 4 (02:12:39):
And he want us to try to call him right now.

Speaker 20 (02:12:42):
I don't know because I don't know what.

Speaker 4 (02:12:44):
Legality was, but well, there's well legality wise, there's nothing.
The guy ripped you off. He ripped you off. What's
the name of the.

Speaker 20 (02:12:50):
Company, There's no way. He said it was Big John's Concrete.

Speaker 4 (02:12:54):
Which Big John's Concrete. Yeah, and it's what is his name?
I pray it's John. What is this guy's name?

Speaker 20 (02:13:06):
His name is Joe j o E.

Speaker 4 (02:13:10):
What's his left l E? E? Joe Lee a name.
A guy named Joe Lee came.

Speaker 5 (02:13:16):
By from Big John's Custom Concrete.

Speaker 4 (02:13:21):
Now wait, I found him right here. Are you in
Fort Collins?

Speaker 20 (02:13:26):
I don't know if it's in Fort Colin?

Speaker 4 (02:13:29):
Where are you at?

Speaker 20 (02:13:30):
Just roughly, this is Denver area, okay.

Speaker 4 (02:13:35):
And he was going to seal your he was going
to seal your concrete driveway.

Speaker 20 (02:13:40):
Yeah.

Speaker 5 (02:13:40):
See, I wonder if that guy this is Big John's
Custom Concrete, and he's got decent reviews, so I don't know.

Speaker 4 (02:13:47):
I doubt it's the same person.

Speaker 20 (02:13:50):
I don't think it's the same person.

Speaker 7 (02:13:52):
Okay, there's so many bad is.

Speaker 20 (02:13:54):
There even taking to civil court because like I feel
like that's a pretty you.

Speaker 4 (02:14:00):
Know what you could You could take him the small
claims court, but how are you going to get him
to pay? You'll get a judgment. I'm home. I'm convinced
you'll get a judgment against the guy. I don't think
the guy will even show up, but you got to
serve him. It could be a real bitch tracking him down. Yeah. Well,
although we could do that part, call him and him
come to my house.

Speaker 20 (02:14:20):
I would be happy to do that.

Speaker 4 (02:14:22):
I'd like to do that.

Speaker 5 (02:14:23):
Let's let's actually do that, But let's first before we
even go, Jennifer, go ahead, No that that that's no
big deal. But before we go through that, I think
we owe it to Big John to at least attempt
to call him to see if he's going to do anything.

Speaker 4 (02:14:38):
Joe Lee is his name, Joe So Jennifer, why don't
we try that?

Speaker 20 (02:14:45):
So calling him and he hung up on I get
hold on.

Speaker 4 (02:14:49):
Just put her on hold. Maybe Bo should call Kelly
see if we can't get Big Joe to come on.
You tell him we got to call. We got to
complain about him. Should we do that and see if
will come on?

Speaker 5 (02:15:02):
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(02:15:30):
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi Tom Martino here,
you know we were on the phone, I think with him, Kachina,
were you on the phone with him?

Speaker 13 (02:15:46):
Well, he played very dumb. He didn't know what I
was talking about.

Speaker 4 (02:15:49):
Jennifer, you listened to this.

Speaker 13 (02:15:51):
He claimed to not have any sort of concrete work
or do anything, and then he abruptly hung up on me.
And then when I went to call him back, it
went to voicemail, but then it clicked over to the
dial tone again, so basically hung up. He hung up
on me.

Speaker 2 (02:16:05):
Choice.

Speaker 4 (02:16:06):
So, Jennifer, I think you were scammed.

Speaker 20 (02:16:12):
Oh, it's for sure scammed.

Speaker 5 (02:16:13):
Yeah, so let's help her with small claims. Let's put
Deputy Dmitri on it. So Kelly send Dimitri over her contact,
let him talk to each other and I can catch
him off off air of what's going on with it.

Speaker 4 (02:16:26):
Should we give out the guy cell number now?

Speaker 5 (02:16:28):
No, because I think we got to. We got to
figure out how to get him to show up somewhere
and do a driveway in order to serve him.

Speaker 4 (02:16:38):
Yeah, yeah, we'll figure it out. We'll figure it out.
I wonder if he's listening right now though, since we
called him twice, if he popped on the radio real quick.
But so we'll stop talking about it. Jennifer will do
what we can to help you. I can't tell you
how many times they've gotten this question. A neighbor's tree

(02:16:59):
and fill in the blank, A neighbor's fill in the blank,
fell in my car, fell in hanging over my fence.
I'm afraid it's going to do some harm? Can I
trim it back? Do you know what the answer is?
Mark out of curiosity.

Speaker 7 (02:17:12):
Over your proper line. You can trim it back.

Speaker 4 (02:17:14):
You absolutely can. You have to take care not to
be brutal and not to try to kill it, but
if it does die, you're not responsible if you take
care to cut it back to your property line, especially
after asking them. Now, I talked about again mold. We
didn't get a chance to finish that discussion, and I
already got people who were upset with me, saying, you know,

(02:17:36):
it's wrong to call people a nut. But of all
the molds that you find, how many are really toxic?

Speaker 16 (02:17:42):
I mean again, so with six hundred variants of black mold,
and you have, you know, two or three percent that
are dangerous, then it's not a lot. But it's the
most common mold here in.

Speaker 4 (02:17:52):
Color McMahon, Oh, the most common ones are the deadly
one are the no it's black, black mold, right and
black mold? Can do you harm? Or can there are
people with sensitivities to it? Can you eradicate it?

Speaker 7 (02:18:04):
Yeah? Well, what you want to do is you want
to encap it.

Speaker 16 (02:18:06):
Well, first you want to clean it and encapsulate it,
and then you want to try to prevent it from
ember coming back.

Speaker 4 (02:18:10):
And that's what you do, right, And we want to get.

Speaker 7 (02:18:12):
Rid of you know, one of the three sources. You
got air, you got water, and you got something for
it to eat organic.

Speaker 4 (02:18:17):
And do you do you test the mold for what
it is or do you don't care?

Speaker 7 (02:18:22):
You know, we do air.

Speaker 4 (02:18:23):
We mostly do air samples, and so yes, we take
that off and then we can tell you yes, this
is just the dangerous one or they're just kind of benign. Okay. Now,
if you have mold and you see it, it doesn't
mean it's in the air, right.

Speaker 7 (02:18:35):
Correct, Well, you're breathing mold right now.

Speaker 4 (02:18:37):
Okay, it's everywhere. So that's why it populates everywhere, because
it's everywhere, but it's just it's inactive right now. So
it's when your house is starting to grow and then
you also get an increase of the mold sportes in
your house or your living space. That's what it becomes
dangerous or unhealthy for you. So if people see mold
and they're concerned about it, you do have you do
know how to deal with it. Yes, And what does

(02:19:00):
encapsulation take is that sealing it with some kind of.

Speaker 7 (02:19:04):
Topical right, you know it's you know, it's a clear
clear or one.

Speaker 4 (02:19:07):
We kill it first and then encaps clean it.

Speaker 7 (02:19:09):
We clean it first and then then we encapsulate.

Speaker 4 (02:19:11):
Okay, that's Genesis Total Exteriors dot Com also doing honest
mold detection and remediation. They do anything on the outside
of your house as well. And while the weather's good,
he says, get a Genesis inspection. You might need to
seal up some holes in the side, you might want
to do some extra maintenance around the house, and they

(02:19:32):
do it all Genesis tootalexteriors dot com. All right, remember
folks three oh three Martino for help, information and referrals.