The Troubleshooter 11-19-25

Episode Transcript

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

Speaker 2 (00:07):
News.

Speaker 1 (00:08):
You need advice, you don't.

Speaker 3 (00:10):
Have come runing just as fast as we can.

Speaker 1 (00:16):
Shooter's gonna help coming.

Speaker 4 (00:18):
Man Dix is the Troubleshooter Show.

Speaker 3 (00:22):
No Tom Martine, Hey, I am Tom Martino and I
have with me Major Mark Major signed on. Uh if
you're streaming video or not yet. I don't think his
video is up yet, but it doesn't matter. We're still
here together solving problems, answering questions, taking complaints. Today my
guest Brian Burns from Compass Insurance Group. We try to

(00:44):
have a guest on from day to from time to
time to talk about what they do and how they
do it because we we believe we deal with only
the best of the best when it comes to your
everyday life.

Speaker 5 (00:56):
And in fact, Mark, what do we want to hear from?
What do we want to hear from?

Speaker 3 (01:02):
On people?

Speaker 5 (01:03):
I mean people sometimes think I don't want to go
on there. It's not big enough, it's not important enough.
How do you look at that?

Speaker 4 (01:13):
We love it all any issue out there, any issue.

Speaker 5 (01:17):
Anything, no matter how small it is, because.

Speaker 6 (01:20):
Think of all the neighbor disputes, think of all the
tax issues we've dealt with over the years, contractors, car dealers,
car service areas.

Speaker 3 (01:29):
Oh my god, there's and I think the idea that
it has to be big and important is absolutely a fallacy.
In fact, I think taking problems from their infancy, or
even before you decide to have that roof done or
buy that insurance or get that used car, bounce it
off us, because we're bouncing it off of thousands of

(01:50):
people with their instant feedback on text and on YouTube,
chat and on I even have. You can leave a
message on this Google Voice. We have so many ways
you can get in touch with us, primarily twenty four
to seven. You can call three h three Martino and
that comes through to us while we're on the show

(02:10):
three O three six two seven eight four sixty six.

Speaker 5 (02:13):
Or you can call one.

Speaker 3 (02:14):
We're on the air here three O three seven one
three talk seven one three eight two five five. And
I got a lot of texts follow up on one
problem I want to recap from yesterday where a guy
simply said he made a deposit on a service and
the guy could buy the service he wanted for a
car rep so he asked for a refund and uh,

(02:38):
and he said he never got a refund he said
he put down a thousand bucks.

Speaker 5 (02:42):
The other guy said, I did give him a refund.

Speaker 3 (02:45):
When the police came with him for what's called a
civil assist. They came to my home and he was
out on the curb with his truck. He was standing
in front of his truck at the curb and the
plea came to my door. I he's the guy. The
guy said, I counted out the money. He said, I literally.

(03:11):
Anthony said, I counted out the money and gave it
to the sheriff's deputy and said here, here's his money.
I just took out some for shipping to shipping to
ship the product back. But he swears to God that
he counted out eight hundred and sixty dollars in cap. Matthew,
who was waiting over at his truck, said when the

(03:32):
deputies came over, they didn't have any money. They didn't
give him anything, and really both of them were so
adamant that you know, of their side. Matthew said, I
just want my money back. Anthony said, look, I gave
him his money back. We were supposed to get both
of both of them were going to ask for bodycam footage,

(03:54):
and that's why I'm mentioning this today. I've gotten at
least four texts asking did you get the video? And
we As of yet, I've not heard from either of them,
but I imagine it might take a day or so
to get that video. And according to Deputy D. Deputy

(04:16):
D says that as public record, they have to give
it to you. They can charge reasonable costs and the past,
Deputy D has used bodycam footage, and I believe he
said he paid twenty five bucks per video.

Speaker 5 (04:29):
But what do you think's going on there?

Speaker 3 (04:32):
Mark? Did you have time to ruminate on this after
that call? I thought about it the other night in
my or last night, and my wife said, Tom, it
was so interesting because both of them sounded like they're
telling the honest to god truth. What about you?

Speaker 6 (04:49):
Did you think my gut? My gut is the guy
that says that he gave the cops the money did not.
But I don't know, man. They are both so and
he seems so authentic. But the one guy, he changed
his story so many times. He kept saying he was
going to send stuff, then he'd send other stuff. He

(05:09):
gave us an address that's an apartment complex of his
retail store that I have no idea if it exists.

Speaker 4 (05:16):
I mean, there was a bunch of holes there.

Speaker 3 (05:19):
Yeah. So anyway, the way it stands now, we're waiting
for body cam for those many people who have texted
me about this and with their opinions, many of them said,
first of all, the sheriff's deputies would never take cash, never,
never take cash. If the guy said here's his money,

(05:39):
I want to give it to him, and they counted
it out, he said, he counted it out, gave it
to the deputy. There were two deputies there, so the
other deputy would have observed it as well. Either one
of their bodycam footage would probably show it.

Speaker 5 (05:53):
And then they went over and handed him the money.

Speaker 3 (05:56):
Now, the video shows those two deputies walking away from
the house from Anthony's house, but I could not see
anything in their hand other than I think there was
a flashlight or something. And when they went over to
the truck where the guy was waiting, there was no
clear handoff of anything that I could see.

Speaker 5 (06:16):
But I just want everyone to know because I often
do this because people, you know, hear the original you
recall it.

Speaker 6 (06:24):
At one point he said, hey, I've got a video
that shows the money being counted out totally.

Speaker 5 (06:30):
Right, he said that. No, he said, Y had that's right.

Speaker 3 (06:33):
Then he said, well, he says, the bodycam footage will
will show it many times.

Speaker 5 (06:38):
I feel like I'm on a soap opera here, and.

Speaker 3 (06:41):
So basically as the troubleshooter turns continues with this when
they get back to us, We're just gonna hope that
eventually they do get back to us, because I am
really really anxious. Yes, Mark, I'm going to introduce Brian

(07:02):
Burns after you go ahead, sir. Yeah, Well, I got
a question for Brian Burns. Compass insurance. I was thinking
about some while I was walking my dogs this morning.
Tell me how this would work.

Speaker 6 (07:14):
Someone has something in their house, like a diamond necklace
that's worth let's just say, twenty thousand dollars, and they
have it insured.

Speaker 4 (07:24):
There's a rider for that piece of jewelry on their homeowners. Okay,
follow me so far.

Speaker 6 (07:30):
It's lost or it's lost all of a sudden it's lost,
and you turn it in and you get the insurance payment.

Speaker 4 (07:39):
I assume if you lose it, you get the payment right.

Speaker 3 (07:42):
And by the way that you do, And I often
wondered about that my God, if people are in financial trouble,
how easy would it be to say you lost something
and we keep going.

Speaker 6 (07:51):
Next But now, no, I'm going to go I'm going
to go even further. So let's say they give you
the twenty thousand bucks and then two years goes by
and you're in your backyard or something, and you look
down and that son of a gun necklace is sitting there.
It fell off, It fell off years ago or whatever.

Speaker 7 (08:10):
What do you do?

Speaker 8 (08:10):
Right that?

Speaker 3 (08:11):
That is a good question. You lost something and then
it shows up.

Speaker 9 (08:17):
Yeah, it's the insurance company's property at that point, so
you have to turn that item into the insurance company
that feels the population, right, Yeah, and it could because
you can imagine there's no way they can have the
expectation for you to come up with that money again.

Speaker 10 (08:33):
So that money's long gone, you know, of course should
they put me?

Speaker 9 (08:38):
So they're the responsibility of the insured at that point
is they have to notify their insurance company and then
that that diamond necklace in this case would go back
to them.

Speaker 3 (08:47):
So much of insurance is done on the honor system.
Think about that.

Speaker 9 (08:52):
Yeah it is, but with the repercussion if you get
caught you know you're going to jail A.

Speaker 4 (09:00):
Mean out fraud.

Speaker 5 (09:00):
But let's put it this way.

Speaker 3 (09:02):
I imagine once you've lost something once, losing something again
would be really hard to get insurance or are you
canceled after the first time, I mean losing something. It's
different if you had to break in, you report it
to the cops and there's an actual police report. But
when you simply say I can't find it, when does
that become an insurance loss?

Speaker 5 (09:24):
I can't find it?

Speaker 3 (09:25):
More A good topic, man, because I was thinking about
this the other day when I couldn't find something, and
I thought, and it was expensive, and I thought, when
does it become an insurance loss?

Speaker 9 (09:36):
Well, and when we're talking jewelry specifically, because that's probably
the most common thing to happen.

Speaker 10 (09:41):
To Mark's point, you have to have it scheduled.

Speaker 9 (09:44):
You have to have a separate writer on that item,
because coverage for jewelry underneath the homeowner policy is very
limited and it doesn't cover lost. It is covered underneath
the home. But if you get a writer, if you
get a scheduled personal property writer, then it opens up
the perils and it covers everything except for like wear

(10:05):
and tear I would say.

Speaker 5 (10:06):
Right, I understand, so it has to be go ahead.

Speaker 4 (10:10):
Well do you schedule like a diamond ring.

Speaker 6 (10:13):
I know we have one or two things scheduled on
our policy with you, but I forget how the pricing worked.

Speaker 3 (10:19):
Is it what you paid for? It? Is it what
it appraises for? What is it?

Speaker 6 (10:24):
Is it whatever you want it to be because you
you basically do it by the dollar.

Speaker 4 (10:28):
Amount that you want.

Speaker 3 (10:29):
What is that?

Speaker 11 (10:31):
So?

Speaker 10 (10:31):
Okay?

Speaker 9 (10:32):
So you it allows you to pick a value up
to a certain amount, and as long as it's written
on an agreed value state you know, status, then you
would get that money. A lot of them are written
at replacement cost status. In other words, even if you
had insured it for ten thousand, if they can replace
that item for seven that's all they have to do

(10:53):
is replace the item. So it depends on what your
policy says. God, if it gets over a certain value,
and that value is determined by different insurance companies have
different thresholds, but I would say most of them over
twenty thousand. If one item is over twenty thousand, they'll
require an appraisal at that point. So to say I
want to ring for two hundred thousand, what's up?

Speaker 6 (11:15):
How do they do like artwork then, because you could
have one person. I mean, most of the stuff is auction.
Let's face it, you had a painting that just went
for two hundred and twenty five million a couple days ago.
How do you value something like that because you don't
know what it's worth until the auction's over.

Speaker 10 (11:33):
Right, no doubt.

Speaker 9 (11:34):
And artwork is a little bit different, but it is
written more on replacement costs than a great value artwork is.
But to your point, there's some items that are not replacing, right, So.

Speaker 10 (11:46):
Then they would have to do that.

Speaker 9 (11:47):
I mean, if it gets over a certain value, they're
going to require you to get that.

Speaker 3 (11:51):
There are there are a lot of expensive things that
are put on schedules. Yeah.

Speaker 9 (11:55):
Yeah, Now here's my thought on schedules. So which is
probably a little counterintuitive for some people. But I don't
usually advise if they're asking my opinion, I don't usually
advising advice ensuring like jewelry, unless it's of extravagant value.
In other words, if it's something where man, I, this

(12:16):
is gonna hurt me if something happens to it. Because
if you make a claim for a ten thousand dollars.

Speaker 3 (12:22):
Ring.

Speaker 9 (12:23):
Right, You're gonna have a theft claim on your homeowner
policy for the next five years.

Speaker 5 (12:29):
And it's gonna count against It's gonna count against you.

Speaker 9 (12:31):
And then let's say you have a hail claim because
something came through. Now you have two claims in five years.
The way the insurance market is set up, you really
need to use insurance. And I'm not saying that I'm
about this, but this is truly more catastrophic loss.

Speaker 5 (12:45):
Okay, I agree. By the way, Rick, before we go
to break, let's start on your problem.

Speaker 3 (12:51):
You're a landlord. What's going on? Rick? Rick? What's happening?
Rick's what's going on?

Speaker 11 (13:00):
Man?

Speaker 12 (13:00):
I had talked to Mark about this earlier. But what
the deal is is I had a tenant, okay, and
obviously arrears, and so I went to small claims just
like here it advise me on your show and all that.

Speaker 3 (13:14):
Yeah, yeah, yeah.

Speaker 12 (13:16):
Somewhere between that, the tenant claimed the bankruptcy. Okay.

Speaker 3 (13:21):
Did you by the way, did you get a judgment
before he filed bankruptcy?

Speaker 12 (13:26):
No, it was all welled in.

Speaker 3 (13:27):
I went to court.

Speaker 12 (13:28):
She lied in court. Excuse me, she lied in court.
Judge rescheduled the entry filed bankruptcy before the next court.

Speaker 5 (13:38):
Okay, hold on, we'll come right back to this.

Speaker 3 (13:40):
Okay, we have to take a break on Tom Martino
three O three seven one three eight two five five.

Speaker 5 (13:45):
Frank Randereal Estate Man dot com.

Speaker 3 (13:47):
Call him if you're wondering in this crazy market, Well,
your house will self war. He'll give you a complete
valuation and indication without a full appraisal, without all of that.
But it's detailed and it's based on his thirty years
of experience, so there's there's no fear there. If you're
looking to the list and you're wondering, what will my
house sell for? Frank Duran, the real Estateman dot com.

(14:08):
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Wait time for an insurance check up free no obligation

(14:30):
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seven seven to one help. You'll think you're his only
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dot com to list your home with Remax Alliance three
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(14:52):
Tom Martino here three oh three seven one three talk
seven one three eight two five five.

Speaker 5 (14:58):
Rick said.

Speaker 3 (15:00):
He has a tenant in the rears, took her to
small claims court and before you got a judgment, she
files for bankruptcy. Is that what happened? Rick? Yeah?

Speaker 12 (15:14):
Here was chapter seven.

Speaker 3 (15:16):
Yeah. How much?

Speaker 5 (15:17):
How much in the rears were you suing for at
the time?

Speaker 12 (15:21):
All about seven thousand. It was within the limits. The
difference is I'd spoken to Mark about this earlier.

Speaker 3 (15:27):
Yeah.

Speaker 12 (15:28):
Yeah, story short on that particular thing was I was
given every roadblock.

Speaker 3 (15:34):
In the world.

Speaker 12 (15:35):
I was a small LLC, single person. The judge insisted
that I did an attorney. I mean, I couldn't get
an attorney to touch it because all he wanted was money.

Speaker 3 (15:47):
But wait, a judge, if you take someone to small
claims court for seven grand, a judge won't refuse to
hear it.

Speaker 12 (15:56):
No, No, he was perfectly fine to hear it.

Speaker 3 (15:58):
But then.

Speaker 12 (16:00):
When it went to when it was denied under uh,
what do you call it? The bankruptcy? The bankruptcy required
I had filed a piece of paper forms or it was,
you know, to be dismissed of it. However, then the
judge came back, the bankruptcy judges, I need an attorney
because I was an ll.

Speaker 5 (16:19):
Yeah yeah, yeah person.

Speaker 3 (16:20):
Yeah. Well, so in other words, you went, you went
from small claims court and you were going over to
the bankruptcy court where you were putting in a claim.

Speaker 12 (16:31):
Correct, yeah, okay, it was. I was listed as a
creditor and I was right, got you anyway, I accepted
all that. Okay, I understand. Uh, where I'm coming from
now is damages. Okay, after the small claims court, da
da da dada, and after all of the judgment and
all of the bankruptcy. Now I'm going in and uh,

(16:53):
she had an animal that totally destroyed the carpet I had.

Speaker 5 (16:56):
Yeah, she's not going to be held responsible for any event.

Speaker 8 (17:01):
Well, that was my question.

Speaker 12 (17:03):
Can I file a claim now for damages?

Speaker 3 (17:05):
Okay, that's a very interesting question because you can after
the bankruptcy everything.

Speaker 4 (17:11):
So all the damage was created prior to the bankruptcy.

Speaker 3 (17:15):
I just said, that's an interesting question. And I was
about to tell them that when you have a bankruptcy,
all of the debt accumulated up to the point of
bankruptcy is discharged. It's gone. Okay, So anything new you're
allowed to go after her for now that doesn't necessarily discovered.

(17:36):
If that was done clearly before she filed, she can
simply include it in her filing.

Speaker 5 (17:43):
So it's when the debt was incurred that counts.

Speaker 3 (17:46):
The fact that you've found it late.

Speaker 6 (17:48):
Technically, a lot of stuff she doesn't have to include
in it. It's automatically included.

Speaker 3 (17:54):
Yeah, when you have a zero asset bankruptcy, things are
automatically included. If she was rich or had a lot
of money and was you know, doing a settlement, that's different.
But in her case, she didn't have anything. So basically,
even if you discovered a lot of new stuff, if
it's prior to that data filing, I mean, she's not

(18:16):
going to have to pay it.

Speaker 5 (18:18):
But from this date forward, or from the date forward.

Speaker 3 (18:22):
Of the discharge, she's responsible for everything. Again, did she
finally leave or is she still renting from you?

Speaker 13 (18:31):
Oh?

Speaker 12 (18:31):
No, she's gone, she moved out and all that. But
the thing is she owns the house out in somewhere
else and anyway, but that well, she was trying to
protect that asset from me getting a judgment on it.
Now I understand all that. My question, yeah, now the
discovery of the carpet when I went in there, you know,
after the bankruptcy.

Speaker 3 (18:50):
I know, I get it. After she moved out. It
was long after the bankruptcy. What you're asking is, can
you go back now and say, wait a minute, I
just found this damage.

Speaker 5 (18:59):
And the answer is probably not.

Speaker 3 (19:01):
I mean unless now, now there is a there is
an exception if she hid something from you, and I
mean intentionally, that would be different.

Speaker 5 (19:13):
You said she owns a house.

Speaker 3 (19:15):
I imagine the trustee took all of that into consideration
because her assets are supposed to be a liquidated If
she has too much equity, she must not have a
lot of equity in that house.

Speaker 12 (19:27):
No, the house, I mean basically she had about seventy
thousand inequity, which is under the two hundred thousand or
whatever it is. Well, yeah, yeah, my question really was Kenna,
got you my point?

Speaker 3 (19:40):
Say?

Speaker 8 (19:41):
Right?

Speaker 12 (19:41):
I discovered No, you can't. Yeah, I can't.

Speaker 8 (19:45):
That's fair.

Speaker 3 (19:46):
Yeah, it's too bad, Rick Listen, Rick, so many people
you know, do get burned by that kind of thing
where they have a claim and then somebody just goes bankrupt,
you know, I mean that that is a That is
the system we have Brian Burns with us today from
Compass Insurance Group, and there's a new insurance we're going

(20:07):
to talk about coming up. And I don't know if
it's added on or if it's part of an already
existing policy, but it's a kind of if we wanted
to tease this, it's a kind of gap insurance for
home losses, specifically as it pertains to roofs.

Speaker 5 (20:25):
Yep, all right, I want to talk about that coming up.

Speaker 3 (20:27):
By the way, Brian is with us from Compass Insurance,
and that's where they do the home of the insurance checkup,
which means today and every day, but today especially we'll
highlight it and give some examples. If you have home insurance,
homeowner's insurance look at your declarations page, or car insurance
or a combination of both, you can get a Compass

(20:48):
right now to do the insurance checkup when you call
their office, and then they will shop like twenty five
companies within a few minutes and let you know if
you have a great deal. Now here's the thing truly
let you know if you have a great deal, and
if you do, you do, and if you don't, then
they can tell you how much you could be paying

(21:10):
for the coverage you could be getting right now, and
that number to call off the air and then we'll
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(21:30):
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(21:58):
Roofer Excel Roofing. You don't pay a cent until you're content.
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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

(22:20):
dot com to list your home with Remax Alliance three
three nine two zero sixteen twenty two. Hey Tom Martine here,
Welcome to the show with Mark Major. Major Mark Major.

(22:42):
For those streaming, he's giving us a break. Today's camera
is not up and running, so you're just gonna see
me at Mikasa Studio along with Brian Burns's Compass Insurance Group,
and we have a lot to talk about. Rick. Sorry
about your bankruptcy. Nothing you can do about it. Bankruptcy.

(23:03):
Almost anything can be discharging a bankruptcy except fraud, intentional
fraud and taxes.

Speaker 5 (23:11):
Give us a call though, on any issue.

Speaker 3 (23:14):
If you're a landlord, if you're a tenant, if you're
working somewhere and you don't like what's going on, if
you have hired someone they're putting you off. I know
right now and the sound of my voice, there are
people who put paid money up front right now and
they're going to get screwed.

Speaker 5 (23:28):
I can almost predict it.

Speaker 3 (23:30):
If you got the first delay or brush off, or
they started work and then didn't come back. Contractors are
the worst at stealing money, and that's what I call
it theft. I get a lot of feedback when I
talk about this because they say, hey, we're in business,
we're trying to make a living. Well. The cost of

(23:52):
doing business includes buying stuff and floating some stuff, and
you don't necessarily need money upfront. If it's a giant
order and you need to put money down, then the
consumer should be able to verify the order and put
money down on the order itself. But to pay a

(24:14):
contractor or a service provider money upfront for nothing is
just ridiculous, and it puts you in a really precarious
situation and you're always is.

Speaker 5 (24:29):
The job going to get done?

Speaker 3 (24:30):
You know, even people that you know and trust, they
could be hit by a truck. If you put money down,
you're in a position of risk. And as I said,
I know people listening right now have done it and
they're wondering what's going to happen now. And also when
you have quality issues, if you have paid way ahead
of time, they start avoiding you. Now. Contractors might be

(24:55):
great at the actual contracting, but terrible the business end.
And in fact, there are many businesses that do that.
They're good at what they do, the actual trade or
the actual service, or the actual installation or use of
a product, But when it comes to shuffling dollars, they're.

Speaker 5 (25:16):
No good at it.

Speaker 3 (25:17):
That's why the Contractor's Trust Act was invented. It's probably
as useless as auto car theft alarms. When I say useless,
I've never seen anybody react to a car theft alarm. Ever,
they always think, oh, somebody must have done that by mistake.
It's the most useless piece of technology you know and demand,
is the car alarm. But anyway, I digress. When you

(25:41):
have a contractor and the Contractors Trust Act, it's supposed
to be held in trust, literally held in trust for
the consumer's job only, and you're not allowed to co
mingle or use it for anything else. Now you can
use You can take jobs A, B and C and

(26:03):
take money for A, B and C and have them
in your account in one account. They don't have to
be a separate account. But the money you took for A,
B and C has to be spent on A, B
or C. It can't be spent. You can't take money
from A to pay for B or B to pay
for a and you can't take new money to pay
for where you screwed up the last job. As they say,
Rob Peter to pay Paul. But unfortunately that's what happens,

(26:26):
all right. So Brian Burns is with us from Compass
Insurance Group, and I want to remind people while he's here,
especially because we want to get some good examples. They
do it every day, okay, but they well, while they're here,
I want you to call specifically you have nothing to
lose and do an insurance checkup. That's simply where they

(26:46):
take whatever coverage you have on home and auto and
they compare it to the marketplace. And what's great about
comparisons like this, this is what I love. And when
we talk about guaranteed lowest price, I love what we're
doing lately with our sponsors and hammering them on value

(27:06):
and price. So if Compass they're not going to guarantee
you the lowest price, what they will guarantee.

Speaker 5 (27:11):
You is the truth.

Speaker 3 (27:13):
So if they tell you they can beat the coverage
or the premiums, that means they can.

Speaker 5 (27:20):
And what's really great is math doesn't lie.

Speaker 3 (27:22):
So if you're paying twenty three hundred dollars a year
now and they can get you in there for sixteen
or seventeen hundred a year, Or if you're paying twenty
three hundred for a certain amount of coverage and they
can get you substantially better coverage for the same price
or slightly lower.

Speaker 5 (27:38):
That is where it's a win.

Speaker 3 (27:40):
So it's impossible to cheat when you're comparing prices unless
they flat out live. But you'll know if somebody says
we can do it for this money, they have to
be able to do it for that amount of money.
So to get in on this quote, if you want
to call them directly and then we'll highlight the example.

Speaker 5 (28:03):
I use the statistic one time.

Speaker 3 (28:05):
I believe Brian that about eighty five percent at the
time you can save people money about eighty five percent
of time, and then a lot of the time they
can do better or they're doing better already.

Speaker 9 (28:16):
Yeah, I mean that that percentage has definitely gone down
just because of the market we've been in the last
two years. And it's not because we're getting beat by
a bunch.

Speaker 5 (28:24):
Of carricases seventy of the time.

Speaker 3 (28:26):
Maybe.

Speaker 9 (28:27):
I mean, like I said, where sometimes we tell people
not to switch as if the new policy is a
degradation for like roof coverage or whatever it.

Speaker 3 (28:36):
Might be, and then you get them better coverage. Man.

Speaker 9 (28:38):
Yeah, right, So we give them options on it, but
we always try to point out what the pluses and
minuses are on any kind of switch.

Speaker 3 (28:45):
Right, there are a couple of things I want to
talk about. There was a new coverage that we want
to talk about. What is the new coverage? Exactly? Tell me.
I'm enthralled with insurance, especially when you can talk about
new Coverge.

Speaker 5 (29:00):
What new coverage are we talking about?

Speaker 9 (29:02):
Okay, So we have a new carrier that we just
started working with, I mean in the last week. And
what it is, it's a This isn't what they would
define themselves at, but like you had mentioned, it's almost
like a gap coverage for these giant deductibles that are
now being required by home insurance carriers. So most carriers,

(29:23):
I would say in the front range here are going
to require a two percent wind hail deductible. So that's
two percent of your dwelling limit.

Speaker 5 (29:32):
So give an example of what that would be.

Speaker 10 (29:33):
So a five hundred.

Speaker 9 (29:34):
Thousand dollars dwelling limit, a two percent deductible would be
ten thousand dollars, okay, so that would be your wind
hail deductible, and then a lot of carriers, depending on
the edge of the roof, will require actual cash value
on the roof. So in essence, if there's a loss
and you have a roof that's let's say ten years old,
you're essentially paying for a you know, over half of

(29:57):
it out of pocket.

Speaker 3 (29:58):
So there are definitely policies right now where they're only
going to get actual cash value.

Speaker 10 (30:05):
Oh, tons and tons of policies.

Speaker 3 (30:07):
What that means, folks, is the longer you're in your home,
the older your roof gets, and the less you're gonna
be paid on it. Because if you have an actual
cash value roofing claim, you're gonna get paid actual cash value.
It's kind of like on a car. All cars are
actual cash value. If you get into an accident with

(30:28):
a car, they're not going to buy you a new car.
They're gonna buy you a light car. And that's what
actual cash value is. Unroofing, you get paid the value
of the roof at the time of the loss, or
you know, right before the loss, what was that roof worth?
And that can devastate people because if you're in a
house twenty years, you could end up paying a substantial event.

Speaker 9 (30:48):
Entire amount at that point. I mean, if you have
you have a roof that's twenty years old and asphalt roof.

Speaker 10 (30:54):
Uh, you're not sure. You have no insurance on your roof.

Speaker 5 (30:58):
So keep in mind a CV actual cash value.

Speaker 10 (31:03):
Or roof schedule. That's what you usually see.

Speaker 2 (31:05):
Just to it is.

Speaker 3 (31:06):
It's called a roof schedule, right, and what they mean
is a schedule of depreciation and it's.

Speaker 10 (31:12):
Shown in the policy. You can go to your policy.

Speaker 9 (31:14):
It's usually one of the back pages, but you can
see based off of the year of the roof, how
much they're willing to pay the percentage.

Speaker 3 (31:20):
You'll see that right up front. It will become the policy.

Speaker 5 (31:22):
Now, what is this new product we're talking about.

Speaker 9 (31:24):
It's a totally separate policy. It really has no tie
into your current policy. But it is there to cover
the roof for hail damage.

Speaker 3 (31:35):
Really.

Speaker 10 (31:35):
Now they do say wind as well.

Speaker 9 (31:37):
And the reason I don't I'm not going to promote
it as a wind and hail coverage is that you
have to have tornado force.

Speaker 3 (31:44):
But real quick, because I got to take this break. Okay,
we're going to talk more about it. But what you're
talking about is a separate policy to fill in the
gap for your roof. Yep. Now you can have it
concurrent with any other policy. Of course, you don't have
to have all your other insurance with this company.

Speaker 10 (32:00):
Nope, Nope.

Speaker 9 (32:01):
It could be someone is with another carrier that we
don't even write and that they want to have some
coverage for the roof they can, and that's.

Speaker 3 (32:08):
So it will keep you from being surprised at the time.

Speaker 5 (32:11):
And it's only for Hale.

Speaker 9 (32:13):
Yeah, they do say win, but again it has to
be almost like tornado force wins.

Speaker 10 (32:17):
So this is more for.

Speaker 3 (32:18):
Hale, specifically for Hale. Does it mention Hale as as
the peril?

Speaker 10 (32:23):
It says wind and Hale, But then there's definitions of
what that is.

Speaker 5 (32:26):
So we're going to talk about that coming right up.

Speaker 3 (32:36):
Go with a sure thing Denver's Best Roofer Excel roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free no obligation comparison call
compass insurance paying too much your coverage at dozens of
insurance companies find out now three O three, seven to
seven to one help you'll think you're his only customer

(32:58):
when you choose Frank Durant, the real estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 5 (33:06):
I want you to contact them for your pain and
your misery.

Speaker 3 (33:11):
No seriously painful joints in Tendons denverregion dot com for
stem cell therapy. Okay, So what's going on in your life?

Speaker 5 (33:23):
Folks? If you have a problem, question your compape, we
want to hear about it.

Speaker 3 (33:26):
And they're earlier the better, because I'm telling you so
many people get caught after the fact.

Speaker 5 (33:34):
Now, let's talk about this gap insurance real quick.

Speaker 8 (33:36):
Here.

Speaker 3 (33:37):
I call it gap insurance, So give me a real
life scenario when someone would have it and use it.

Speaker 9 (33:43):
So, like I said, it's independent of your home insurance policy.
But okay, you can buy limits from I think five
thousand up to twenty five thousand. So let's say, yea,
let's say you don't even want to make a claim
on your home insurance. What I have been playing around
with now is I've been offering people to raise their

(34:04):
Windhill deductible up to twenty five thousand. Okay, you get
the twenty five thousand dollars of coverage here, and then
you essentially have no deductible and you could just make
the claim with them.

Speaker 10 (34:15):
There's no search parts.

Speaker 3 (34:16):
From the claim. Coming up, we're going to talk about
how much it costs to add to your policy, but
this could be just the ticket folks to keep you
in coverage without giant deductibles and have a good insurance
policy in place of it. Coming up, go with a
sure thing Denver's Best Roofer Excel Roofing dot com. You

(34:39):
don't pay a cent until you're content. Time for an
insurance checkup free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out Now three 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 your home

(35:00):
with Remax Alliance three oh three nine two zero sixteen
twenty two.

Speaker 1 (35:05):
Yeah, Rita.

Speaker 2 (35:12):
News.

Speaker 1 (35:13):
You need advice, so you don't have time. You come
running just as fast as we can. Shooter is gonna
help come Max is the Troubleshooter Show.

Speaker 3 (35:27):
No, Tom Martine, Yes, it's Tom Martino with Major Mark Major.

Speaker 5 (35:34):
Major Mark Major is in.

Speaker 3 (35:36):
His Kasa studios and I am in my Kasa studios
and we are here serving you. Brian Burns is my
guest today from Compass Insurance Group, and I want to
explore this new coverage deeper because it really sounds almost
too good to be true. But we'll talk about what
it does to your total premium. It's a coverage for

(36:00):
people with high deductibles, and it basically covers the deductible.
It's kind of like roofing Gap insurance. Compass Insurance Group.
We're also taking calls from you directly at Compass if
you want to have an insurance comparison. I believe comparisons
are the best things any consumer can do ever, because

(36:24):
you can't say I can beat the price unless you
can beat the price. And you can say, hey, you
got a great deal if you have a great deal. So,
as I say, math never lies. If you have a
certain amount of coverage for a certain amount of money,
that's your coverage and it's easy to understand.

Speaker 5 (36:44):
So if there's better coverage out there, it's easy.

Speaker 3 (36:48):
You simply measure the coverage and the premium and decide
is it better or not? Three to zero three, seven
to one to three talk is our number? Seven one, three,
eight two five five. Mark you there, sir?

Speaker 5 (37:04):
Who should call us?

Speaker 3 (37:05):
Mark?

Speaker 5 (37:05):
People are waiting and wondering if they should call.

Speaker 6 (37:09):
Well, anybody anybody that's been ripped off or taken advantage
of I.

Speaker 4 (37:13):
Mean, for lord's sake, we've recouped over.

Speaker 6 (37:15):
Three hundred million dollars. I know it's simple. Three h
three Martino, pick it up. How about someone out there
it's got a bad landlord?

Speaker 5 (37:23):
I love those booms, you know what.

Speaker 3 (37:26):
There are so many things now tenants can do that
they never were able to do before. In fact, some
people think it went too far the other way when
it comes to tenant landlord issues, or people who are
just thinking, wait a minute, this doesn't sound right. As
soon as that little voice says this doesn't sound right, give.

Speaker 5 (37:48):
Us a call.

Speaker 3 (37:49):
And I have a few that have that have texted
me about it. Somebody said, I want to say they
have Okay, here it is. I'm in a situationuation hit
and injured by an uninsured driver, and do I go
against my own insurance? Now, this uninsured motorists is very difficult.

(38:13):
People don't understand it fully. But uninsured motorists coverage is
they step in too. They step in.

Speaker 5 (38:24):
Your own coverage steps in.

Speaker 3 (38:27):
As the other party.

Speaker 5 (38:28):
So if you were going to sue the.

Speaker 3 (38:30):
Other party for pain and suffering, you are now getting
acclaim from your policy. It's not for medical Okay, it's well,
it can be reimbursing you, but right now what you
should have is medpay and then regular health insurance coverage
and all of that. But really, uninsured motors coverage is

(38:52):
this when the other party doesn't have insurance or they
are under insured, and you really have pain and suffering
beyond any coverage they have, then you can go after them.
It's not for your car, it's not for your property.
It's uninsured motorist coverage means that they will pay or

(39:17):
you put an acclaim with your insurance company and your
insurance company will pay you instead of the other party,
the other party. Basically, you're insuring the other party.

Speaker 9 (39:29):
You really are yep, yeah, you're basically putting insurance on
all those drivers out there that don't have it.

Speaker 5 (39:35):
That's a great way of putting it.

Speaker 3 (39:37):
You're putting insurance on those people who don't have insurance.
But when do you use it? That's what this guy
is asking, when do you use it? Okay, you said
you could use it for medical bills, but not right away.
That's in a final settlement, right right.

Speaker 10 (39:51):
But I'm saying that would be accumulated.

Speaker 9 (39:53):
As part of that claim is that you would have,
you know, any of your medical bills that weren't being
covered by house insurance or whatever else.

Speaker 5 (40:00):
Look at it this way.

Speaker 3 (40:01):
If you're in a regular accident with someone who's heavily insured, right,
what you would do is you would have your meda
pay for your medical bills.

Speaker 5 (40:10):
Their liability would pay for your medical bills.

Speaker 3 (40:13):
Right.

Speaker 9 (40:13):
Eventually, Yeah, the other party didn't have enough or have
insurance at all.

Speaker 3 (40:17):
Right, But then if you were going to sue that
other party for pain and suffering literally all loss of
enjoyment of life, all those things come, right. So the
pain they call it pain and suffering. If you were
going to sue that other party and that other party
had good insurance, that other party would pay you and

(40:37):
then you get a settlement. It's what John Fuller does exactly.
It's what personal injury. But he's a personal injury attorney.
This's what personal injury attorneys do they go out to
try to get as much as they can for your
pain and suffering, to reimburse you, to put you in
a position where you were before the accident. Now, if
the other party doesn't have enough insurance, and that's where

(41:01):
you're uninsured or underinsured, motorist coverage comes in.

Speaker 9 (41:05):
Exactly, they step in and give you coverage for what
you should have gotten from the other carrier.

Speaker 3 (41:10):
Do they get Do they hold that against you? Is
that considered a claim where they look at your clue
report and think, well, they've had two, you know, two
claim or three claims? Or is that the claims they
look at or a no fault claim so to speak,
what kind of a claim or like.

Speaker 10 (41:29):
A not at fault accidents? In essence, now it would
show up.

Speaker 5 (41:32):
It doesn't count against you though.

Speaker 9 (41:34):
No, it's not a chargeable in Colorado. It's not a
chargeable incident.

Speaker 3 (41:39):
Chargeable incidents. That's something that really needs to be explored.
What a chargeable incident means is that your insurance company
begrudgingly in my opinion, pays it and then looks and
then it counts against you.

Speaker 5 (41:56):
When I say it counts against you, do.

Speaker 3 (41:58):
They look at your reports and your claim history kind
of like credit cards, look at your your credit score.

Speaker 10 (42:06):
Well, it's not it's.

Speaker 9 (42:07):
Not exactly that they pay and they counts against you
because they can pay a not at fault accident.

Speaker 5 (42:12):
Like we just I'm talking about the chargeable offenses.

Speaker 9 (42:15):
Yeah, so if you're at fault in an accident or
run into a tree or a tree or that's considered
a collision claim in that case, and that would be
an at fault claim.

Speaker 10 (42:26):
Okay, so that would again.

Speaker 3 (42:28):
And when you say it's charged against them, does it
result immediately in higher premiums or a surcharge of any kind.

Speaker 9 (42:35):
They can't change that rate until renewal, So you would
see it at your next renewal unless you change companies.

Speaker 3 (42:42):
What would cause at the next renewal? What would cause
a non renewal?

Speaker 9 (42:47):
Multiple accidents with auto insurance? Multiple accidents or.

Speaker 3 (42:52):
You know what about what about weather, hail and wind
and stuff like that, that's not chargeable, not.

Speaker 10 (42:58):
On a policy.

Speaker 9 (43:01):
On a home insurance policy, it definitely is. It's a
chargeable it claims or chargeable period. There's not not at
fault claims for home insurance. So anything that you claim
for your home, it's going to be charged against you.

Speaker 10 (43:13):
Yep.

Speaker 3 (43:13):
And that means when they're looking to write a policy
for you, they look at your clue report. Yep. Now,
how can people see their own clue report? I think
it's available at Nexus.

Speaker 9 (43:27):
I think you can order a copy of it from lex.
I think you get one of your kind of like
you do credit insurance. But yeah, we can pull them
anytime we need.

Speaker 3 (43:34):
Mark. Have you ever looked at your own clue report.
I've never looked at one ever, not once.

Speaker 4 (43:38):
No, But I know you can get a copy of it,
just like any credit report report.

Speaker 3 (43:43):
Yeah, so it would be interesting to see because if
there's stuff on there, I mean, is there a way
to contest it?

Speaker 5 (43:49):
If there's something inaccurate on.

Speaker 9 (43:50):
There, they'll give you that same ability to just like
your credit report. Yeah you can, Yeah a minute, it's
probably just as difficult to make things change. But yes,
you can't on this gap insurance. Here's what I want
to get straight.

Speaker 3 (44:02):
You said, if you have a roof coverage right now,
it's changed. Roofing coverage has changed in Colorado right now.
It used to be you paid a normal deductible. It
could be twenty five hundred, five thousand or.

Speaker 10 (44:19):
Whatever with one thousand forever that was the norm.

Speaker 3 (44:22):
Is it impossible to get a normal deductible right now
on roof? What I say normal?

Speaker 9 (44:30):
Very difficult to get under a I mean five thousand.
I would say one percent.

Speaker 10 (44:35):
Is the norm.

Speaker 3 (44:36):
One percent of the coverage, yeah, is the norm.

Speaker 9 (44:40):
And now it's becoming even more normal to see two
percent that you're seeing a lot of carriers go to
that direction. And then this this whole actual cash value piece.

Speaker 3 (44:49):
So okay, So with your roofing coverage, people, what you
need to look at and why you need to call
compasses to see if they can help you with that.
The biggest change in insurance in Colorado right now is
with the roof. Okay, the other parts of the insurance
policies haven't changed much. They're all about the same, not much,
all right, So let's look at the roof. Let's narrow

(45:11):
it down. With your roofing coverage. You need to look
and see what you have. It will clearly be on
the declarations page, right, yeah, it.

Speaker 9 (45:19):
Will say if you have actual cash value. As we're
defining it, you're going to see something that says roof schedule.

Speaker 3 (45:25):
A roof schedule, and what a roof schedule is is
a schedule of your roof from new to year to date,
and I mean that's what So the schedule goes and
measures what the roof is and that's the coverage you have.
So if your roof is worth fifty percent of what

(45:48):
it used to be, when it comes to replacing it,
you're only going to get fifty percent of replacement.

Speaker 9 (45:56):
There's another tea to that fifty percent, and then they
assess the deductible. Wait a minute, that's not the deductible.
The deductible is assessed after they only pay this portion
of it. So if they're only paying fifty percent, then
you have to take off the deductible.

Speaker 3 (46:12):
Oh my goodness. So if you have an ACV policy
that's the actual cash value, then you have to pay
the deductible, the.

Speaker 9 (46:20):
Wind hail deductible, which if you look on your declaration page,
they'll be an all peril deductible and then there'll be
a wind hail deductible.

Speaker 3 (46:27):
So there are right now people listening to us right now.

Speaker 10 (46:32):
They are essentially have no roof coverage.

Speaker 3 (46:35):
That's what I'm saying. Right now, there are people listening
that have no roof coverage. Will this new policy help
in that. Yes, okay, we're going to talk about that.
But John, you have a question on solar Go ahead, John,
three zero three seven one three eight two five five John,
what is your question? Heany Tom? Can you hear me?

Speaker 5 (46:53):
Yes, sir? What's going on?

Speaker 3 (46:55):
John?

Speaker 7 (46:56):
So, I've just kind of been on a search for
useful panels and I was just wondering if you guys,
if you can know of any company out there.

Speaker 5 (47:05):
That or you know, I would start. I would start
with Alliance.

Speaker 3 (47:11):
In fact, we can ask her if she knows of anywhere,
because I know sometimes people abandon solar systems or they
want to remove them for one reason or another when
they're moving or somebody moves into a house with solar.

Speaker 5 (47:23):
And what I'll do is, if you.

Speaker 3 (47:25):
Want to hang or you can listen, kuld Gina, let's
just get Brooke on to address this to see if
she knows anything about used panels. Who knows maybe she
shopped for them now and then, or she knows where
they go to die. Hang on, John, or listen. We're
gonna call Alliance Alliance Solar. They're coming up and we'll

(47:46):
do that. Okay, three O three seven to one three
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(48:17):
a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
an insurance checkup free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three oh three seven to seven to
one help. You'll think you're his only customer when you

(48:39):
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two.

Speaker 5 (48:56):
Hi Tom Martino here three oh three.

Speaker 3 (49:00):
Seven one three talk three h three seven one three
eight two five five. So let's talk to Brooke White.
She owns a lion's roof in Solar. I'm not sure
if she has a handle on this or not, but
I wondered if there was a place that old solar
panels went to die, or when people are changing out
or moving Brooke, is there a place anywhere around Somebody

(49:23):
wanted to know where they can buy maybe use solar panels.
It sounds like he might be doing his own service
or something, but he hung up, but he did ask
and he said he would be listening.

Speaker 5 (49:33):
What about use solar panels.

Speaker 1 (49:37):
Yeah, so if they're.

Speaker 13 (49:38):
Used, there's no tax credits available to them. So I
mean you can get used solar panels, you just don't
have some of the normal benefits and ah you buy
By the time you buy a new solar panel with
attacks but a bit, it's usually cheaper than trying to
buy an old one anyway.

Speaker 3 (50:00):
Anyway, Okay, so let's say you have an existing system
and you've gotten your tax credit for the system over
the years, and now you need to replace a panel
or two. Do you get tax credits on the parts
to replace?

Speaker 2 (50:18):
Yes, as long as the parts are new, you can
get tax cutits on it. Most panels have a twenty
five year warranty, so if the panel's bad, you can
usually do a warranty claim. And if you're buying new
panels for an existing system, as long as the system's
still up and running with PTO, you can claim those

(50:40):
tax credits on the original PHO of the system. So
let's say I install the system in twenty twenty, I
need three new panels because they're not working. I don't
have a warranty claim for whatever reason, I buy three
new panels. I can use the PHO I received in
twenty twenty to get the tax cut.

Speaker 8 (50:56):
It's on the three new ones.

Speaker 13 (50:57):
That I just got.

Speaker 5 (51:00):
PTR stand for Yeah.

Speaker 2 (51:02):
PTO is permission to operate. So it's what the utility
company or the h J says, yep, this system has
passed all the inspections and it's going to be turned on.

Speaker 3 (51:12):
Okay, okay, So all you do is and so you
basically the way it sounds, if you don't have warranty
and you spend money on your.

Speaker 5 (51:21):
Solar, you get tax credits.

Speaker 3 (51:25):
Will that be the same way when tax credits go
away because it was grandfathered or will they go away too.

Speaker 2 (51:34):
That's a great question for a CPA.

Speaker 3 (51:36):
I don't know.

Speaker 2 (51:37):
If you buy new solar equipment in twenty twenty six
to repair previous equipment, if you'll get that credit or not.

Speaker 8 (51:46):
That's going to be a great GPA question.

Speaker 3 (51:48):
Yeah, it is because you figure it might be under
the it might be grandfathered in, it may be not so.
On the subject of tax credits, brook brook is from
Alliance Roof and Solar three h three seven zero four
two four four nine. On the topic of solar and
residential solar, when do the tax credits end?

Speaker 2 (52:12):
The tax could have end December thirty first of this year,
so if you don't receive PTO, those tax credits aren't viable.

Speaker 3 (52:21):
So after that, what do you think, just what's your
gut feeling what's going to happen to the residential market.
Do you think on solar systems?

Speaker 2 (52:31):
I think come April there's going to be some angry
folks when they try to get tax benefits, and I
feel like the roof and the electricians that are involved
and installing solar systems residentially will lose their jobs and
it's going to impact some of those blue collar folks
pretty significantly.

Speaker 3 (52:52):
So is there any hope Do you think that they
will renew them or are they going to be gone
for good? Do you think the residential solar tax.

Speaker 2 (52:59):
Cred I think whichever administration takes over next in the
next federal presidential election will reinstate them because both parties
like solar for different reasons, Republicans for the energy independence
it brings and Democrats for the environmental purposes.

Speaker 3 (53:21):
Right, So, but I'm wondering if we even have to
wait that long. That's what's weird, wait for another election,
or do you think has there ever been any talk
I know you followed the industry pretty well. Has there
been any talk on resurrecting them before that or are
they just going to let them expire.

Speaker 2 (53:43):
It's hard to predict because in Trump's first administration he
extended the residential attack, but it's to twenty thirty two,
and obviously in the second term, as soon as he
got in the office, he removed them. So it's very
possible that they can come back. It's just not something
that I've heard any news of them coming back.

Speaker 3 (54:04):
And is that one of the reasons you went into
commercial systems because you saw the handwriting on the wall?

Speaker 2 (54:12):
I went into commercial for a variety of reasons.

Speaker 13 (54:15):
That was one of them.

Speaker 2 (54:16):
There's far better tax benefits commercially than there are residentially,
and yes, that would.

Speaker 8 (54:24):
Be one of the reasons.

Speaker 3 (54:24):
Okay, So if people have a business, a viable business.
They can get this. I talk about this a lot.
They can literally get this, get their system mostly paid
for by government incentives.

Speaker 2 (54:38):
Right, yeah, absolutely so, depending on the scenario and where
the property is located, anywhere between sixty four and ninety
four percent of the project can be covered with tax benefits.

Speaker 3 (54:52):
That is incredible. Sixty four to ninety four percent yep.

Speaker 2 (54:56):
But again those are tax benefits, so they have to
owe that in taxes to recoup that value or have
a nonprofit.

Speaker 6 (55:04):
Okay, And if they don't force sell the tax credits,
right yes.

Speaker 2 (55:10):
Yes, exactly, Mark, they can still sell the tax credits.

Speaker 3 (55:13):
So there is benefit no matter what to commercial systems
right now. And then as far as qualifying, you need
to call Alliance roof and Solar and their their number
again is three oh three seven zero four two four
four nine. Thank you very much, Brooke. We appreciate it.
We've got more coming right up. Go with a sure

(55:41):
thing Denver's Best roofer Excel Roofing dot com. You don't
pay a cent until you're content on top of it.
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 and one help. You'll think you're his only customer

(56:02):
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. So getting back to this new coverage,

(56:24):
here's what we have to say. All of the homeowner's
policies are changing, and yours has probably changed. And when
you go to your coverage, you will most likely have
an ACV roof policy, which means actual cash value. Depending
on the year from installation, your roof will be paid accordingly.

(56:47):
Look at it as being paid for what the roof
is worth, not for replacement. So as roofs get older,
they're worth less and less, so eventually you won't have
roof coverage, especially actually when you take that coverage and
then apply a one or two percent deductible.

Speaker 5 (57:05):
Right the days of normal deductibles.

Speaker 3 (57:08):
Of one thousand and two thousand and five thousand, are
they impossible to get or can you still get them.

Speaker 9 (57:14):
If they were grandfathered in? Even those are starting to
change for a while. Even with some of our carriers,
they would grandfather in those deductibles and not make you
change them. Most of those carriers have even at renewal,
said nope, now it's one percent or whatever that is
at that point.

Speaker 3 (57:29):
But but yeah, and it's simply because roofing is being
replaced too much around here.

Speaker 9 (57:36):
I mean, well, the insurance companies, it's not they can't
possibly make money. They're losing money handover fist in Colorado
right because of Hale.

Speaker 3 (57:46):
Are other states around Colorado facing the same situation.

Speaker 9 (57:50):
Like Arizona doesn't deal with Hale, So it's just not
really an issue, Okay with Texas, Yes, California has got
all sorts.

Speaker 5 (57:57):
Of prothercscrea by actual areals. So what people have?

Speaker 3 (58:02):
Okay, so let's talk about that. So now you get
a policy and you have this outrageous deductible. Does this
new gap kind of insurance cover just the deductible?

Speaker 5 (58:13):
Where do they cover everything?

Speaker 9 (58:15):
It has nothing to do with the deductible. You can
base the amount of coverage on your deductible.

Speaker 3 (58:20):
But give me an idea how I use it?

Speaker 10 (58:22):
Okay, buy how I did it?

Speaker 9 (58:24):
Yesterday the customer called me and is looking for home
and auto insurance, got it and I was looking at
their policy and what I recommended. What I sent them
was a home policy with the highest possible windhil deductible
they offer, which was five percent.

Speaker 3 (58:42):
Okay, okay, So it was actual cash value plus a
five percent deductible.

Speaker 10 (58:47):
That's what the court I sent was.

Speaker 3 (58:48):
So in essence, that particular policy would have very little roof.

Speaker 9 (58:54):
Cuestimated that the replacement costs of the roof would be
eighteen thousand.

Speaker 10 (58:57):
He just got it done, so he knows what it
would costs.

Speaker 3 (59:00):
And his new policy has five percent dwelling, which when actually.

Speaker 9 (59:05):
It was five hundred thousand. So he has a twenty
five thousand wind hail deductible and ACV okay.

Speaker 5 (59:10):
Okay like so basically no roof coverage.

Speaker 9 (59:13):
Basically no roof coverage. So I sent him this quote.
I talked to him about that and we kind of
brought up the strategy. I raised the deductible to that amount.
It lowered the quote from a five thousand deductible on
wind and hill. It lowered the premium by eleven hundred dollars,
just under eleven hundred dollars okay.

Speaker 3 (59:32):
So he was able to save eleven hundred, but virtually
gave up roof coverage.

Speaker 10 (59:36):
Gave up roof coverage, got it.

Speaker 9 (59:38):
Then I gave him a quote for twenty thousand dollars
of this new roof coverage. It's basically covering hail damage
if something happens.

Speaker 3 (59:46):
It's a twenty thousand dollars coverage right for Hal for Hal,
and it's used anyway he wants the use.

Speaker 10 (59:54):
Yeah, he didn't.

Speaker 9 (59:55):
I mean they don't know about each other. In other words,
he essentially is going to use this if if there's
hail damage. That is, it's got to be true hail damage.
This policy would pay out. The cost of this policy
for him was one seven dollars, So it's eleven hundred
dollars call it.

Speaker 5 (01:00:12):
So he broke even.

Speaker 9 (01:00:13):
He broke even, but he has a zero deductible In essence,
he's got twenty thousand dollars a coverage. The second thing,
the other huge thing on this policy, they don't report
to clue you're not going.

Speaker 5 (01:00:25):
To be surcharged. Tell me why they're doing this.

Speaker 9 (01:00:29):
It's just a it's it's essentially a new product that
has basically gap coverage. Those figures won't always work that
way the way I'm looking at it, especially if someone's got,
you know, a relatively expensive home insurance body, which is
about all of us. Now, if I can save the
money by raising that windhil deductible and then offer this

(01:00:51):
to me, it makes all the sense in the world
because you're not going to get dinged if you make
the claim plus.

Speaker 5 (01:00:56):
And it's it's not meant to be your solo coverage,
well it can be.

Speaker 10 (01:01:01):
They don't care.

Speaker 3 (01:01:01):
They don't care. They're simply offering an amount of money
in the event of hail period.

Speaker 10 (01:01:07):
That's right now.

Speaker 5 (01:01:09):
It does has to be a total loss, right, No.

Speaker 9 (01:01:12):
It doesn't have to be a total loss, but what
it has to have they use the National Weather Service.
It has to fit the category of a hail loss
in the National Weather Service a severity level. It's usually
like one inch or more. If that's not how they
define it. But in essence, whenever you start hail damage,
it's got to be it's not going to cover cosmetic,

(01:01:33):
it's not going to cover wear and tear over time.
Of course, it's got to be a legitimate hailstorm. But
if it is and there's damage, it can't just be
that there was a hailstorm and no damage occurred. There's
got to be damage. They'll pay whatever that limit you give.
That's what they pay. They don't have to negotiate with
you and say, hey, send me contractor bids.

Speaker 10 (01:01:53):
They give you the money and they're out.

Speaker 3 (01:01:56):
So you can buy up to how much now in
this twenty five thousand up to twenty five thousand dollars.
So it's a totally separate policy.

Speaker 9 (01:02:05):
And if they don't care about the roof type, they
don't care how old it is. They don't they don't
even ask these things.

Speaker 3 (01:02:11):
They don't care.

Speaker 10 (01:02:11):
It's all based on the location.

Speaker 3 (01:02:13):
It's simply a policy that pays you X amount of
dollars the coverage amount with hail period. That's it. Yep.
What did they come up with this to augment and
to as coverage for deductibles as well?

Speaker 9 (01:02:30):
Why they came up with a huge problem. And now
it's not in every state, it's in hail prone. See
what's the name of the company that does SOLA. It's
back by Lloyd's of London. So it's financially as secure
as you get.

Speaker 3 (01:02:44):
So now think about that. So it's possible that you
can still have a very low deductible and not pay
anymore for coverage.

Speaker 9 (01:02:53):
Right and not worry about making a claim. If that's
the way you want to use this strategy, because right now,
if you make a claim on your home insurance policy
for a new roof, you're going to get deemed and
then if you have a second claim of any kind,
it's hard to find it.

Speaker 3 (01:03:07):
So let me get this straight. You could literally have
this coverage pay for all of your roof.

Speaker 10 (01:03:13):
If you have a roof.

Speaker 9 (01:03:14):
That would be if you're good with twenty five thousand, right,
then you don't even have to make a claim on
your home insurance policy. This will never show up in
the CLUE report because they don't report to CLUE. They
don't surcharge you on renewal for this policy if you
have a.

Speaker 5 (01:03:27):
Co and they don't make you go to your company first. No,
they don't care.

Speaker 10 (01:03:30):
Don't care.

Speaker 3 (01:03:31):
If it's a flat out coverage dependent what when you
think about it, it's an independent It's almost like affleck
does with health.

Speaker 9 (01:03:39):
Exactly how I look at it, it's exactly right, and
it's basically you're buying.

Speaker 3 (01:03:43):
By the way listening with Affleck. I don't even hear
am advertising anymore.

Speaker 10 (01:03:47):
But the way it works was elemental.

Speaker 3 (01:03:49):
Yeah.

Speaker 5 (01:03:49):
It's simply you get a flat amount if you.

Speaker 10 (01:03:51):
Get people breaking armor. Right, yeah, right, So.

Speaker 3 (01:03:54):
This is no matter what if you have hail damage,
you collect the pay out period. You can use that
payout any way you want. You can use it to
replace the entire roof. Or what about this, What if
you get the payout of twenty five and it costs thirty,
you decide to cover that other five.

Speaker 5 (01:04:13):
You don't even have to put a claim in with
your insurance.

Speaker 9 (01:04:16):
You wouldn't in that case because you're deductible is probably
too high for it, unless you start to understand.

Speaker 5 (01:04:21):
But so you get the money to use any way
you want. It's a safe way of saying it. Yep, wow.

Speaker 9 (01:04:26):
And you can for sure use this in conjunction with saying,
oh man, the insurance company's making me get a ten
thousand deductible. You get ten thousand if you want, and
say I don't want a deductible, and you've used it
in conjunction and others, you would make the claim right
and you would use this to just pay your Are.

Speaker 3 (01:04:41):
You using this coverage as a comparison for every renewal
now numb.

Speaker 9 (01:04:48):
It's a tool that I have a discussion. So it's
a discussion. And in this case, like what I was
talking to him, this is how I would do it.
I would say, if the twenty five thousand dollars can
cover my roof, I wouldn't even carry roof coverage on
my home insurance policy.

Speaker 10 (01:05:03):
And I would That's how I would be.

Speaker 3 (01:05:05):
Are you allowed to drop a roof coverage on a
regular policy?

Speaker 10 (01:05:09):
Very some carriers will.

Speaker 9 (01:05:11):
Offer a roof exclusion, but it's unusual. But I guess
in essence, what I mean is carry the highest possible
windhil deduct what you can possibly get, and then use
this because really, other.

Speaker 3 (01:05:21):
Than wind hail, what will destroy a roof? Nothing time,
and that's not covered. You know what I mean.

Speaker 5 (01:05:26):
It's just I mean roof coverage. That's what we're talking about.

Speaker 10 (01:05:30):
Yeah, and heal.

Speaker 9 (01:05:31):
And when what I mentioned here this really I don't
look at as wind coverage because it's truly needing like
tornado force wind to cover it underneath.

Speaker 3 (01:05:41):
Even if it's a bad windstorm, it's got to hit
a certain mile per hour and that's.

Speaker 5 (01:05:46):
Recorded by the National Weather Services.

Speaker 9 (01:05:48):
By the National Weather Service, and in order to have
the full coverage on the policy, it has to hit
one hundred and sixty five miles per hour. So you're
you're not going to see that in Colorado. So this
really but I mean it's really in Colorado, it's going
to be hail.

Speaker 10 (01:06:02):
So this is it's not it's not.

Speaker 9 (01:06:06):
For everybody, but if you kind of understand the purpose
of it, it makes sense because you're not gonna get
deemed with having a claim and it will still give
you the coverage you want to help pay for that roof.

Speaker 3 (01:06:16):
Three oh three seven seven three oh three seven one
three talk seven one three eight.

Speaker 5 (01:06:21):
Two five five.

Speaker 3 (01:06:23):
This is incredible coverage and uh, it can be the
answer for a lot of people. It's kind of like, uh,
it's it's a flat rate coverage for your roof. You
get a certain amount if it's destroyed by hail, and
it's hail coverage. Okay, speaking of roofs, Genesis Total Exteriors
there's roofing, siding, windows, gutters, painting decks, and more. Genesis

(01:06:47):
Total Exteriors dot Com also mold detection and remediation The
Honest Way.

Speaker 5 (01:06:53):
Genesis Tootalexteriors dot Com.

Speaker 3 (01:07:01):
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. 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

(01:07:23):
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 best No. Hi,
Tom Martino here, Welcome to the show. Uh, Paul's got
a comment on roofing. Hello, Paul, Welcome to the show.

(01:07:44):
What's going on? Paul?

Speaker 14 (01:07:50):
What's happening but replacing the roof h We've lived in
this house for thirty years, and every four or five
years one of the game roof bolsters comes around and
tell me I need to reach placed my roof because
of hail damage, and I owe some them to go
fly a kite. So after thirty years, USAA five it
looked up my riffs and says, yes, you have hail damage.

(01:08:10):
I mean, So I went through the process with them.
They came up with a total a little over twenty
thousand dollars and they paid all of it.

Speaker 3 (01:08:19):
So wait a minute, So USAA covered pass damage and
they grouped it all in one claim.

Speaker 14 (01:08:26):
Yeah, only I only made one claim. These people have
made claims every four or five years. Are really the culprits,
and all of this contributing to increase the insurance costs.
And then they get a few thousand ducks and they're happy,
But they're the ones that are driving this issue along.
So I just waited until thirty years and then I
replaced my roof.

Speaker 3 (01:08:45):
Yeah.

Speaker 5 (01:08:45):
You know what's weird about this is that they have.

Speaker 3 (01:08:49):
Yeah, they normally would want to know which storm did
and actually they would go so far some insurance companies
of subtracting the previous damage. Well, well not.

Speaker 9 (01:09:00):
I mean, if you can attribute damage, it doesn't matter
if there was prior damage before. But if you can
attribute enough damage from a storm in the last twelve
months or whatever, then it doesn't matter.

Speaker 10 (01:09:10):
They don't part whatever.

Speaker 3 (01:09:12):
They don't parse out the previous damage. They'll say, wait
a minute, you should have what if you were paid
for previous damage.

Speaker 10 (01:09:18):
Then that's a different story. Yeah, if you otherwise and
didn't fix it so otherwise.

Speaker 3 (01:09:22):
So what USA did was they said, yes, you're you're there.

Speaker 9 (01:09:25):
Was a hailstorm last year and this did damage. We're
going to replace it. That that's not abnormal.

Speaker 3 (01:09:30):
I guess what Paul is saying is, you know you
don't have to put an acclaim for each and every
each and every storm. Of course that's a personal choice.
We have more coming up on the Troubleshooter Show. Get
your calls in, no matter what they're about. Three oh three,
seven to one three talk go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay

(01:09:53):
a cent until you're content. Time for an insurance check up,
free legation 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

(01:10:15):
Alliance three oh three nine two zero sixteen twenty two
ripped up you need so you don't have come running.
Just as status as we can.

Speaker 1 (01:10:34):
Show Shooter's gonna help.

Speaker 10 (01:10:36):
Come Man six is the Troubleshooter Show.

Speaker 3 (01:10:41):
No Tom Martine, Hello Tom Martina here, what's going on
in your life? We've got major Mark Major at his
home studio at my home studio, and you are welcome
to join us on of course uh the iHeartRadio app
or on radio on six thirty k H or w
or you too tube and we are always ready to

(01:11:03):
take your questions, problems and complaints. We have mom with us,
Brian Burns from Compass Insurance Group, and we've been talking
about insurance. And I do have some questions that were
that were texted to me as well. And you can
text me at seven four seven nine nine nine fifty

(01:11:26):
two eighty seven four seven nine nine nine fifty two
eighty or you can do the IHARP the iHeart short
code five seven seven three nine, and of course we
always love your phone calls at three zero three seven
one three talk seven one three two five five. You
can get right through if someone not just insurance, but

(01:11:48):
if someone you think you suspect some liar or cheater
you've been doing business with, or you want to know
if someone's good to do business with, give us a call.
So uh right now, I have some questions I want
to get right to this. I don't understand completely. It
says here that your personal injury I'm paraphrasing this because

(01:12:10):
it's longer and different. Your personal injury attorney went after
a guy's own insurance and got him three hundred thousand dollars.

Speaker 5 (01:12:20):
How does that work?

Speaker 3 (01:12:21):
Again?

Speaker 9 (01:12:22):
That's the unassured motors This is what they're referring to.
I'm sure.

Speaker 3 (01:12:25):
So really, when you carry uninsured motorists coverage, you're covering yourself.

Speaker 9 (01:12:32):
Yeah, because I mean, the last definition we gave was
that you're basically putting insurance on other people, which some
people when you really are you are, but some people
hear that it's like, well I don't want to insure them.
Well that's not what we mean. We mean you're putting
it on them in case they hurt you.

Speaker 10 (01:12:45):
Period.

Speaker 3 (01:12:46):
That's it, of course, And then you have somewhere to
collect from, right, Okay? Can an insurance company legally deny
my claim if they say my house was not properly maintained?
They don't. They didn't say what claim was being denied.
That's when can when can maintenance be blamed? I would

(01:13:06):
imagine what about a broken pipe? Maybe no not real. Okay.

Speaker 9 (01:13:10):
Let's give this example to your point where you were
just talking about a hail claim that didn't get that
you got paid for it didn't fix, okay, And then
there's a hole in the roof or there's a place
where it's in a leak, but it's because you didn't
do what you said you were going to do. They
would look at that and say, this is just because
you didn't fix your roof. We're not going to keep
paying for claims because you didn't.

Speaker 3 (01:13:31):
You didn't, so they can actually deny that claim based
on the fact you didn't fix That's right. Yeah.

Speaker 5 (01:13:35):
What if something is just worn out and shabby.

Speaker 9 (01:13:38):
Yeah, they they won't pay to replace the roof in
that case. Let's say the roof is just worn out,
it starts leaking.

Speaker 3 (01:13:45):
And your water damage would because water damage we covered,
but the roof it wouldn't be covered unless they could
be attributed to an actual peril that caused it.

Speaker 10 (01:13:53):
It's just wear and tear is never covered.

Speaker 3 (01:13:55):
Someone else said they repaired their outside hose picket, didn't
do a job they and it started leaking back into
the basement.

Speaker 5 (01:14:05):
Can they get coverage for that if they're the ones
that did the work.

Speaker 9 (01:14:08):
The fact that they did the work is not the
problem on that particular one. The question would be what
exactly if the water hits the ground and starts coming in,
it doesn't matter, that's not if.

Speaker 3 (01:14:18):
It ran away from the outside to picket. If it
went back into the house and it didn't hit the ground,
that's see, that's where it gets weird because we've had
cases listen to this one. We've had cases where it
hit the siding of the house, went down, hit the deck,
and then flowed into the house. Then we had some

(01:14:40):
water that came in through a broken window from the
hail and wind, and that was covered. But the water
they literally went Brian at this time, and they they
parsed out the damage that went through the window and
the damage that went onto the deck and in.

Speaker 10 (01:15:00):
Wouldn't cover that, but would cover the others.

Speaker 3 (01:15:02):
Because one is water intrusion, the other is water flow
or flood.

Speaker 9 (01:15:07):
Yeah, flood. Once it hits the ground, it's considered.

Speaker 3 (01:15:09):
It doesn't even have to hit the ground. It has
to hit a horizontal right, That's what's weird. If it
hits something like a deck or a porch or outside.
If it hits a horizontal surface outside and flows inside,
you're screwed. If it comes directly into your home through
a broken window, you are covered.

Speaker 8 (01:15:30):
Right.

Speaker 9 (01:15:30):
And to the nature of that question, Let's say you
did your own repair on a pipe in the basement
that you were working on right, and you did a
poor job and the pipe broke apart and water went everywhere. Well,
the damage is covered. Even though you did the work.
The damage would still be covered. They're not going to
pay to fix the pipe, but they'll they'll pay for
the resulting damage.

Speaker 5 (01:15:51):
Okay.

Speaker 3 (01:15:51):
This other one says, is it true that some insurance
companies inspect aerial photos of your home based on drones
to price.

Speaker 9 (01:16:04):
Oh, the aeral photos are used all the time, not
for price, but for eligibility. So in other words, your
rate's not changing. They're not going to offer you a
higher rate because the aerial photos look bad. No, But
what they could do is, like the aero photos showed
that there's trees touching your roof, you have to trim
all those back or else We're not going to ensure

(01:16:25):
you they will do that, so are they?

Speaker 3 (01:16:28):
Wouldn't it be nice if you could go online like
Excel Roofing has it where you can go online and
get a quote for your architectural lighting because the app
knows your house and it measures your roofline and it
figures that's where the lighting is going to be mostly, So,

(01:16:49):
is there anything like that for homeowner's insurance? You would
think where you can do your own estimating. Like for quotes,
you're sad they don't have anything that advanced, do they?

Speaker 9 (01:16:59):
Well, I mean home insurance quotes aren't. Really there's not
a ton of options to go find. I mean there
are some. There's some insure tech type carriers that you
can go on and get a quote, and whether or
not the home insurance there's always an underwriting period. So
if you switch to a carrier and you think you're
set they can They will come out and inspect. Even

(01:17:21):
if they used aerial photos, they're gonna come to an
inspection of the home. And if they determine that it's
not something that they want to ensure, they have the
right to cancel.

Speaker 3 (01:17:30):
So what does this mean? People are getting letters their
neighbors they didn't get any saying their house is too
close to a wildfire zone.

Speaker 5 (01:17:39):
Is there a such thing as a wildfire zone?

Speaker 9 (01:17:41):
I've never heard of that, Yeah, a wildfire prone area,
you can yeah.

Speaker 10 (01:17:47):
I mean that's how you are.

Speaker 3 (01:17:48):
You finding people right now that are being turned down
because of their proximity to trees.

Speaker 9 (01:17:53):
I get calls the tree part is not necessarily what
I would say is the most common, what the most
if that happens where they say, there's trees too close
your house, cut them down or move them whatever. We
are getting calls all the time from people being non
renewed because they're in a wildfire area considered let's say Evergreen, right,
They'll call us and say State Farms canceling us.

Speaker 10 (01:18:15):
What can you help us?

Speaker 9 (01:18:16):
We do have a carrier that can do that. We
have a couple carriers that will write that. Now it's
excess so in other words, it's not an emitted market.
Your your standard markets that you know about.

Speaker 3 (01:18:27):
In other words, it's going to be extra money no
matter what.

Speaker 9 (01:18:30):
Surprisingly, it's not always that much more. I've got one
carrier that we use. It's a carrier called Evanston, and
they are incredible at pricing on these on these fire risks,
they'll only go.

Speaker 10 (01:18:43):
Up to a certain value.

Speaker 9 (01:18:44):
If it gets over a certain value, they're not an
answer anymore. If it's over one point five million, they
won't do it.

Speaker 3 (01:18:49):
But isn't there a difference between being around trees and
being in a fire zone.

Speaker 10 (01:18:54):
Yeah?

Speaker 5 (01:18:54):
In other words, Mark, you never got Mark.

Speaker 10 (01:18:57):
Mark, he's been a wildfire area.

Speaker 3 (01:18:59):
He is?

Speaker 5 (01:19:00):
Is I market?

Speaker 4 (01:19:02):
I think I'm a five if that makes sense.

Speaker 9 (01:19:06):
You're you're a proper a protection classified. That's different than
the wildfire score. The wildfire score goes up to I
think one hundred. So but you and you know Mark
when we quoted you, and even some of the carres
you're looking at, it is more difficult to find insurance.

Speaker 10 (01:19:21):
Where Mark is.

Speaker 6 (01:19:22):
Oh yeah, and then I'm lucky enough to be within
I think it's five miles of a fire station.

Speaker 4 (01:19:31):
Forget about it.

Speaker 9 (01:19:32):
Yeah, well I could still find those people insurance. It
just wouldn't be with an admitted it wouldn't be a market.
Let's just boil it down to this. The higher the risk,
the higher the price. Yes, I mean for higher deductibles,
higher you're taking on more responsibility when that risk is higher.
But the higher the risk, the more a need you
are of an insurance broker, because you there's no way

(01:19:54):
you're going to find insurance. That's affordable on your own.
When you have a unique risk like that, it's just
it's just not gonna happen.

Speaker 3 (01:20:03):
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put them to the test. They have pricing software. They
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If you're looking at a furnace, someone tells you you

(01:20:25):
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(01:20:46):
cent until you're content. Time for an insurance check up,
free no obligation comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find out Now
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you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with

(01:21:07):
Remax Alliance three oh three nine two zero sixteen twenty two.
Hi Tom Archino here with Brian Burns from Compass Insurance Group.
I haven't been giving out the number that much to
get your insurance comparison, but I do think we do
have some to compare. In addition to being here when

(01:21:29):
they're not here and of course providing insurance to you guys,
they also do insurance comparisons insurance checkups. We call it
so you can call and actually get a quote based
on what you have to see if they can beat it. Now,
obviously their job is not to necessarily beat it, but

(01:21:52):
to tell you what else is available. I mean, if
they can beat it, they say about seventy five percent
of the time they can probably do better for you
coverage in premium, more in both, and sometimes they can.
So it's a really great thing to do. It has
no downside whatsoever. And the number to call when when

(01:22:12):
he's not well all the time, the number to call
for the checkup is three oh three nine nine six
nine thousand. Three oh three nine nine six nine thousand.
Does that quote Compass dot com work?

Speaker 12 (01:22:24):
Yeah?

Speaker 3 (01:22:24):
So.

Speaker 9 (01:22:24):
Quote Compass is a really easy way because it walks
you through like being able to get your declaration pages.
We have a system that you just log into your
carrier and it will pull those declaration pages over for
us for you automatically. Oh cool, there's We try to
make it as easy as we can if you go
to our website too.

Speaker 3 (01:22:41):
Right, But anyway, if you call and you know what
coverage you have, they can give you a workup. So
do we have any do we have.

Speaker 10 (01:22:47):
Any example of a couple examples?

Speaker 9 (01:22:49):
Here?

Speaker 10 (01:22:49):
This person called over.

Speaker 9 (01:22:51):
They're with All State right now, but true to what
our conversation, they looked on their policy and found they
have a roof schedule, so their roof is only covered
for forty percent right now. We were able to get
them replacement cost on the home insurance on the roof,
and between the outow and home we were able to

(01:23:14):
save them seven hundred and seventy five bucks a year.

Speaker 3 (01:23:17):
Really ye wait a minute. So in addition, yeah, in
seven hundred bucks. Yep, they now have full replacement on
their roof. They would have been looking at paying for
that roof.

Speaker 10 (01:23:28):
That's right, yep.

Speaker 9 (01:23:28):
The roof was going to be solely their responsibility. Once
you take an account the actual cash value and the
deductible Okay, why were you able to do that. They
didn't send it, They just gave me the They told
me what they did.

Speaker 5 (01:23:41):
You put it into the hopper.

Speaker 3 (01:23:42):
And you guys are comparing it to what about twenty
five carriers?

Speaker 9 (01:23:45):
Yeah, this particular carry was auto Owners is what it says.
They put them with a company called.

Speaker 5 (01:23:50):
Auto Owners is a good company.

Speaker 10 (01:23:51):
Yeah, they're a great company.

Speaker 9 (01:23:53):
Another one here, they were with Liberty Mutual and we
moved them to Acuity or we quoted them with Acuity
for auto Home and Umbrella and saved them eleven hundred
bucks a year.

Speaker 3 (01:24:06):
Wow, just thinking, almost one hundred bucks a month just
with one phone call and probably got better coverage on
the other one they had.

Speaker 5 (01:24:14):
Basically they had to pay for the whole roost.

Speaker 3 (01:24:17):
They got them full replacement value plus saved them met
up about one hundred bucks. It's amazing to me. What
why do people not compare? I don't know. That's why
I'm urging you to call right now. We'd love to
give more examples. And three ZHO three nine nine six
nine thousand. Again, they can't save on everyone, but they
certainly try. All right, this one is my property line, Okay,

(01:24:46):
if my property line is disputed, and a neighbor's tree
damages my home. I don't know if it has anything
to do with property line or not. Does my insurance
cover me if that tree hurts his home.

Speaker 9 (01:25:05):
So trees are always one of those tough ones in general.
In general, you're never going to be held liable and
your neighbor's not going to be held liable. No one's
held liable because of what happens to their tree. In
other words, if wind comes in and blows over a
tree onto your neighbor's house and it's your tree, you're
not liable for that.

Speaker 3 (01:25:24):
That's considered an act of God's the act of God.

Speaker 10 (01:25:27):
Their home insurance has to pay for it their own damage.

Speaker 3 (01:25:30):
If someone knew they had a broken down tree, that's
a separate issue as far as liability.

Speaker 5 (01:25:36):
If you wanted to take them the small claims court
or something, you.

Speaker 10 (01:25:38):
Can prove mineleigence.

Speaker 3 (01:25:40):
But as far as insurance goes, they don't ascribe blame
to that, saying it's their fault.

Speaker 9 (01:25:45):
No, in general, when something like that happens, your own
policy has to cover your house.

Speaker 3 (01:25:51):
They would they try to sebrogate, you know, unless.

Speaker 9 (01:25:54):
They have a real strong case for negligence, like they've
been told over and over again you need to cut
this tree down and they didn't. But other than that, no,
you're not going to see them do anything.

Speaker 3 (01:26:03):
So basically, what about airbnbs? Do they mess with my homeowners?

Speaker 9 (01:26:08):
There are clear exclusions on a home owner policy and
on a rental home really for short term rental, So
you have to make sure if you're doing short term rental,
you have to get a policy that covers you for
short term rental. Really, yes, that's a huge deal because
there's clear exclusions on a policy for it for damage
caused in the result and it's being rented out for

(01:26:30):
short term basis, you'll find an exclusion if you did
not get the coverage.

Speaker 3 (01:26:34):
That you need. This person said they had no special
coverage so they were wide open.

Speaker 10 (01:26:39):
Yeah.

Speaker 3 (01:26:40):
Now can that coverage be used when needed or does
it like is it a yearly policy? What is it like?

Speaker 9 (01:26:46):
It's just you have to make sure you're with a
carrier that offers it number one, not every carrier once.

Speaker 3 (01:26:51):
But it's a term renting you can turn on and
offer No, you just.

Speaker 10 (01:26:54):
Your policy just goes. You get a policy and you
say this is going to be.

Speaker 9 (01:26:57):
Used for short term rental and that endorsement on there
at that point, so that exclusion goes away.

Speaker 3 (01:27:02):
What about with theft if they steal personal property? This
is very interesting, and again I'm paraphrasing. If someone steals
personal property in a theft, obviously that property is covered.
What if part of that property they steal our bank
account information or identity documents? Does subsequent loss as a
result of.

Speaker 5 (01:27:23):
That get covered by homeowners?

Speaker 9 (01:27:25):
Again, that would be more of an id theft coverage.
So if you have identity theft, can you get that
with your homeowner?

Speaker 10 (01:27:31):
You can, You can get it.

Speaker 9 (01:27:33):
It's it's limited in nature. You know, there's tons of
places you can go get that. Obviously you can go
get that from LifeLock or one of those type of places.
But on a policy you can get identity theft coverage
and it will give you some coverage for.

Speaker 3 (01:27:47):
That kind of thing.

Speaker 5 (01:27:48):
Now, this is my question personally. I mean, it didn't
happen to me, but it's something I remember hearing.

Speaker 3 (01:27:55):
Don't you have coverage if somebody sues you from homeowners like,
I don't mean, I forget what it's called.

Speaker 5 (01:28:05):
Is it personal injury coverage?

Speaker 13 (01:28:07):
Oh?

Speaker 3 (01:28:07):
Yeah, I think it's very people don't understand exactly what
that is. And again this is my question. I didn't
get a text on it.

Speaker 9 (01:28:15):
Personal injury also is one of those coverages that you'll
see on a lot of like your All States stay
from They don't even cover it, they don't have it
on there. But that's what's going to cover you for
things like, uh, if you were or sued because of
something you said.

Speaker 10 (01:28:29):
Libel and slander, Yeah, that personal part.

Speaker 5 (01:28:31):
I'm tryingment.

Speaker 3 (01:28:32):
So if you said something about a neighbor, yep, and
that neighbor sues you.

Speaker 5 (01:28:36):
Yep, your cover, your insurance company covers.

Speaker 10 (01:28:39):
You unless you purposely did it.

Speaker 3 (01:28:41):
You know what I mean.

Speaker 9 (01:28:42):
If you know that you're lying and you go out
and you lamb bast, it's no different than if you
got you walked into a bar and you punch someone
in the nose. Your liability is not going to cover
you because that was an intentional act.

Speaker 10 (01:28:53):
Okay, same thing with libel and slander.

Speaker 9 (01:28:56):
If you misspoke and you said something and they sue you,
you have coverage for If you have personal injury coverage,
you can be covered for that. But if you're intentionally
trying to disparage someone you know what you're doing, there's
no policy's.

Speaker 10 (01:29:09):
Got to cover you for that.

Speaker 3 (01:29:10):
What about this is a question on off premises coverage
I'll put into my own words to what extent does
it go for stuff that you own in your house
that is stolen elsewhere?

Speaker 9 (01:29:22):
One hundred percent of your personal property limit will extend
outside your home. The limitation comes into play if it's
in storage, in a storage unit, the most will covers
will cover ten percent whatever your personal property. If you
have two hundred thousand dollars a personal property coverage, they'll
cover twenty thousand in a storage unit. Same thing with

(01:29:44):
another residence you own. So if you have another home
and you have personal and you don't have personal property,
okay on it, your personal property limit ten percent will
extend to that second home.

Speaker 5 (01:29:54):
So those when you get one hundred percent of off premises.

Speaker 9 (01:29:57):
Coverwhere else, Like if you're driving around, my stuff is
in my car, it's covered, it's covered up. But again
it all right whatever your home deductible is.

Speaker 10 (01:30:09):
But yes, wow, So I.

Speaker 3 (01:30:11):
Don't think a lot of people understand that that sometimes
their personal property.

Speaker 9 (01:30:16):
I had a customer not too long ago that was
going they were moving to their second home in Arizona. Okay,
they stayed in they were in New Mexico, and they
stayed at a hotel.

Speaker 10 (01:30:28):
They had a big old.

Speaker 9 (01:30:29):
Van, like a U haul van with all that stuff,
all right, And when they were asleep that night, some
one broke into the van and stole everything, and it
ended up being that the insurance company paid over one
hundred and twenty god in personal property coverage.

Speaker 3 (01:30:43):
Now, Matt, Mike, what is your question? Welcome to the show, Mike.
I'm Tom Martine. What's happening, Mike?

Speaker 11 (01:30:50):
Yeah, I'm curious about what he would the insurance gentleman
there would they recommend if they have multi homes, we're
up coverages on all the homes. What would you go
from there?

Speaker 3 (01:31:04):
There is there such a thing as group group, meaning
do they get discounts if they have more than one
home with you?

Speaker 9 (01:31:10):
Guys, so you some carriers will give you a discount
if you have multiple homes with them. But I'm assuming
in this case, what you're referring to, sir, is that
do you have rent a bunch of rental homes?

Speaker 3 (01:31:20):
Yes, sir?

Speaker 14 (01:31:20):
Yes?

Speaker 10 (01:31:21):
Yeah?

Speaker 5 (01:31:21):
How many are we talking about?

Speaker 3 (01:31:23):
Mike?

Speaker 11 (01:31:25):
I got.

Speaker 3 (01:31:27):
I got.

Speaker 11 (01:31:30):
Six different doors or seven.

Speaker 9 (01:31:32):
Wow, okay, seven, Yeah, so as long as they're not
all like where where the line is on a personal
line policy for rental homes is they'll take up to
four units together. In other words, if there's a home
that has more than it almost becomes an apartment in
that case. So if there's five units that are all

(01:31:54):
one structure, that's no longer a personal line policy that
you would have to go commercial. But if you have
let's say you have seven different homes, of course you
would get dwelling fires.

Speaker 5 (01:32:04):
But they're I'm sorry, he has different homes.

Speaker 3 (01:32:07):
Yes, seven, you have just.

Speaker 9 (01:32:08):
Seven different dwelling fire policies my opinion, But.

Speaker 5 (01:32:12):
You got to do it as a landlord.

Speaker 10 (01:32:13):
If you're renting, called.

Speaker 9 (01:32:14):
A dwelling fire, but landlord policy say the same thing,
their synonymous Our.

Speaker 5 (01:32:17):
Landlord policy is cheaper or more expensive.

Speaker 10 (01:32:20):
Usually in general they're they're less expensive.

Speaker 3 (01:32:24):
Because you're not doing you're not doing the contents right, because.

Speaker 10 (01:32:27):
You have no contents coverage.

Speaker 9 (01:32:28):
It's not as good of a it's not as a
robust policy as a home owner policy. So in general
they are a little bit less expensive. But to your question,
I would even look at this this product, I was
just telling you about go as high as you can
on the deductible and just see how much it saves.
And then if you want to have some roof coverage,
get this sola that I was talking about, This this

(01:32:50):
gap policy if you will, that will cover the roof
up to the limit that you would want.

Speaker 11 (01:32:56):
Okay, yeah, because I deal with insurance.

Speaker 10 (01:33:00):
Okay, yeah, well yeah, how many definitely look at that.

Speaker 3 (01:33:04):
But but there's no such thing as having one policy
with multiple addresses.

Speaker 5 (01:33:08):
Right there are there are.

Speaker 10 (01:33:10):
Here's the complications.

Speaker 5 (01:33:11):
Like the landlord that owns like five or six places
can have one.

Speaker 9 (01:33:14):
Couple carriers that will allow you to stack as many
as many addresses you want.

Speaker 10 (01:33:19):
Here's the problem.

Speaker 9 (01:33:20):
If there's a mortgage company on each one, you can't
do it that way because they've got to bill. In
other words, the building gets screwed up. So if you
own all the properties outright, you can easily do it
like that. And I have customers that have policy where
I have eight nine, you know, properties on one policy.

Speaker 5 (01:33:37):
All right, Well, thank you for calling Mike.

Speaker 3 (01:33:39):
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(01:34:40):
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three nine two zero sixteen twenty two. Hey talking insurance day,
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five I've whatever's on your mind. Somebody wants to know Again,

(01:35:04):
I'm summarizing this when our writers required separate writers in
a homeowner's policy, writers which are our id er as writer,
like it's a riding along on your policy.

Speaker 5 (01:35:19):
We've talked about.

Speaker 3 (01:35:22):
Jewelry. If people assume they got stuff covered, if you
have an expensive piece.

Speaker 5 (01:35:28):
Of jewelry, it may not be covered.

Speaker 3 (01:35:31):
Is that right? Or is there always a certain amount
of jewelry coverage with your.

Speaker 9 (01:35:36):
Home almost always has like a thousand dollars, But again
it won't cover like it will cover stuff, but it
won't cover like if you just lose that mysterious disappearance.
That's not automatic on a regular home policy with a.

Speaker 3 (01:35:50):
Riter, mysterious disappearance would work. Yep.

Speaker 5 (01:35:53):
I wonder just on and off.

Speaker 3 (01:35:54):
Note how many people and maybe this is why some
insurance companies won't ensure you if you have bad credit.
I'm serious.

Speaker 13 (01:36:03):
Now.

Speaker 3 (01:36:03):
I don't know if you've come across that, but I've
come across that where people are turned down for writers
because of their credit report.

Speaker 9 (01:36:12):
I haven't seen writers specifically. I do see not necessarily
turned down because of credit or insurance score, if you
want to call it that, But their rates are so high.

Speaker 5 (01:36:22):
This was years ago.

Speaker 3 (01:36:22):
A woman they told her they did a credit report
and that she could not get insured for her jewelry
because and this was years ago.

Speaker 5 (01:36:34):
In fact, I thought I read, I thought I talked
to you about it.

Speaker 3 (01:36:37):
It was years ago, and the reasoning it was either
you or maybe it was Matt, But the reasoning was
if you're in financial trouble or difficulty, they may assume
you'd be more likely to have a mysterious disappearance. You
don't know what.

Speaker 9 (01:36:53):
I don't and I haven't had something like that, but
I have had people. Let's say, I've had people where
I can't offer glass coverage because they have so many
class claims on their auto insurance. Oh really, So they'll say,
we'll write the policy, but you can't offer glass.

Speaker 5 (01:37:08):
Is it because of where they live or something like that.

Speaker 9 (01:37:10):
No, it's just propensity for claims. If they have five
claims on their their past three years, they're going to say, well,
we'll give you insurance, but we're not going to offer
a separate glass deductible.

Speaker 3 (01:37:20):
All right, So when our writers need it then, and
what are they for on a homeowner's claim, for example,
those that that that that instrument over there, that that's
very expensive, is that covered separately.

Speaker 10 (01:37:34):
Or in with my Yeah, exclusion for uh, what if
I was what.

Speaker 5 (01:37:39):
If I was a professional musician.

Speaker 9 (01:37:42):
Yeah, so you wouldn't even be able to insure it
on your personal line policy. Now that's more of a
commercial line policy at that.

Speaker 3 (01:37:48):
Off premises coverage wouldn't cover me in a gig if
I had a guitar stolen at a gig.

Speaker 9 (01:37:53):
If you're a if you're a professional, it would not.
In those cases. You have to get what's called an
inla marine policy, and that's more of a commercial type.

Speaker 3 (01:38:02):
Called inland marine.

Speaker 10 (01:38:03):
Yep, yep.

Speaker 3 (01:38:04):
And that's that why we called inland marine old.

Speaker 10 (01:38:07):
School insurance terminology. It's just how it's it was you.

Speaker 3 (01:38:11):
So that's for stuff you use on the job basically, yep, Yes, exactly.

Speaker 5 (01:38:15):
The same with the mechanic.

Speaker 3 (01:38:16):
If if I have tools and I go over to
my friend's house to help fix this car.

Speaker 9 (01:38:22):
Yeah, it's for anything like that where you have equipment
as a as a company or as a you know,
a business of sorts. If you're bringing your equipment with you,
you've got to have a coverage that covers you as
it goes.

Speaker 5 (01:38:37):
If you're a professional.

Speaker 9 (01:38:39):
Yeah, that's a professional type I'm talking about a business.

Speaker 3 (01:38:42):
In that case, if you're just a shade treat mechanic
helping your friend out.

Speaker 9 (01:38:47):
Well, if it's just like two personal tools, yes you're
just yeah, yeah, you're going.

Speaker 10 (01:38:52):
To be covered for that if it's off premises.

Speaker 3 (01:38:54):
But when you have professional tools at home, you brought
home from the garage, you brought home from the warehouse, or.

Speaker 10 (01:39:01):
You brought home owned by a business, that would have
to be on.

Speaker 5 (01:39:06):
Your commercial policy.

Speaker 10 (01:39:07):
Right yep.

Speaker 3 (01:39:08):
So even though where it happened might be at your
home or business, you have to have the appropriate policies. Right.

Speaker 9 (01:39:15):
They won't cover commercial type exposures. Personal policies just don't
crossover in general for business related items.

Speaker 3 (01:39:24):
Okay, we had a guy one time that had tools
in his car and it was parked outside of a
motel room. He was on a remote job, tough and
the car was broken into and the tools were taken.

Speaker 5 (01:39:40):
Would he be covered under his commercial insurance.

Speaker 9 (01:39:43):
If he has the right coverage, You would be if
he has an the marine pulse you or tool coverage.

Speaker 3 (01:39:48):
But could they say you shouldn't have left it in
the car or anything like that.

Speaker 10 (01:39:51):
No, they can't. No, that's not one of those things.
They can say, that's just it just is a theft.

Speaker 5 (01:39:56):
They are are so to review. Riders are needed for jewelry,
But what about art?

Speaker 11 (01:40:02):
Uh?

Speaker 9 (01:40:03):
Yeah, I mean art is super inexpensive. The reason I
like scheduling art onto a policy because it's super cheap.
It establishes a value for those art And when you.

Speaker 3 (01:40:13):
Call riders are scheduling basically scheduling.

Speaker 9 (01:40:17):
Yeah, so you could schedule some people schedule collectibles.

Speaker 3 (01:40:21):
Okay, you know you spec that, yep, so collectibles, art, jewelry, Yeah,
what else can you.

Speaker 5 (01:40:27):
Think people do?

Speaker 9 (01:40:28):
Silverware or really really or yeah, you can schedule that
kind of stuff. Okay, because that silverware is obviously not
as common anymore, but you know, for a long time, silverware,
I mean, people would have thousands of dollars worth of silverware,
and so they would want to schedule it.

Speaker 3 (01:40:45):
Okay, three oh three seven one three talk seven one
three eight two five five 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. Time for

(01:41:05):
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 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 with Major Mark Major,

(01:41:34):
and we have Brian Burns from Compass Insurance Group. We've
been doing some comparisons and I want to remind you
to do that because we want to give some examples
of why people should do the insurance checkup.

Speaker 5 (01:41:49):
So I want you to call directly over there.

Speaker 3 (01:41:52):
They'll run you through their program and basically, within a
few minutes have some prices and coverages at three oh
three nine nine six nine thousand, and then we'll revisit
those three oh three nine nine six nine thousand. Uh.
Somebody asks, can you non review? Excuse me, let me

(01:42:12):
get the I don't want to use that one. Does
my homeowner's insurance cover damage caused by a contractor?

Speaker 9 (01:42:22):
So like the contractor gets up there and does damage, Yeah, yeah,
they didn't really spect your workmanship. You would have to
rely on their insurance. The contractor needs to cover that.

Speaker 3 (01:42:31):
But if a contractor does damage to your house with
a ladder or something.

Speaker 5 (01:42:35):
That's still the contractors, they're your.

Speaker 10 (01:42:38):
Home insurance isn't gonna be the avenue for that.

Speaker 3 (01:42:40):
All right, we got more.

Speaker 4 (01:42:41):
You have no coverage and they told you they did.
Next thing, you know, you have a hole in your roof.

Speaker 5 (01:42:45):
You're screwed. Maybe let's talk about that though.

Speaker 3 (01:42:49):
We got more coming up on The Troubleshooter Show three
O three seven to one three talk go with a
sure thing Denvers Best Roofer, Excel Roofing dot com. You
don't pay a cent until your content time for an
insurance check up free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies

(01:43:11):
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 2 (01:43:24):
Yeah, rip of.

Speaker 3 (01:43:31):
New need advice, You don't have come run in as
fast as we can.

Speaker 1 (01:43:40):
Shooter's gonna help.

Speaker 10 (01:43:41):
Come man, This is the Troubleshooter Show.

Speaker 5 (01:43:46):
Now, Tom Martine, Hello, how are you doing.

Speaker 3 (01:43:50):
Have you ever wondered what those dealers are offering you
in the finance and insurance department.

Speaker 5 (01:43:59):
What they're worth?

Speaker 3 (01:44:00):
You know, I've always said, if you're going to buy
something from the dealer, you can probably get it better
somewhere else. The dealer's job. By the way, and this
is our consumer show. If you're just tuning in, you
can call in with a problem, a question, or complain
at three O three seven to one three talk or
just enjoy the information we give you.

Speaker 5 (01:44:21):
Here's the thing.

Speaker 3 (01:44:22):
There's something called it's called FNI finance an insurance department.

Speaker 5 (01:44:27):
Their job is to up the gross profit. Nothing wrong
with that.

Speaker 3 (01:44:31):
So you buy a car and then you negotiate a price,
and then you go into the FNI department. Even if
you're paying cash, you got to sit down with the
FNI guy and he verifies funds and does all that,
and then he tries to sell you a host of things.
My god, there are so many things that they sell you.
And I remember calling Brian one time saying, they're offering

(01:44:52):
my son this.

Speaker 5 (01:44:54):
What do you think now?

Speaker 3 (01:44:56):
Basically, some of the coverages are useless. They won't save
you money on insurance, like they tell you they will.
Others can be offered by insurance cheaper. I want to
take one of the most common ones. You see, credit
life and disability outrageously expensive at a dealer. I mean

(01:45:17):
they put it in. The reason they sell this stuff
is because you're buying the car, and they love telling
you how little it's going to add to your payment.
This lad five dollars to your payment three dollars year payment,
but it's well worth it.

Speaker 5 (01:45:30):
Blah blah blah blah blah.

Speaker 3 (01:45:31):
But if you if you talk about the total premium,
it's just incredible how much you're paying for this.

Speaker 5 (01:45:40):
So let's talk about this thing called and I want to.

Speaker 3 (01:45:43):
Talk about some other coverages too they offer you and
how they are cheaper to buy from your outside insurance people.
First of all, credit life and Disability. I mean, do
you offer credit life and disability. It's not really what
we do, but life insurance peace people. Here's what I'm saying.
If you're going to buy credit life and disability, just

(01:46:05):
buy it independently. I would agree you will absolutely pay less,
but you don't need it. If you buy it from
a dealer, you're buying diminishing coverage.

Speaker 5 (01:46:15):
In other words.

Speaker 3 (01:46:16):
Every single month, the coverage amount goes down, the premium
stays the same. So Credit Life and Disability is a
crazy no use coverage. You don't need it if they
say it makes your payments. If you ever tried to
use it, my god, do they make you jump through
hoops to use the disability part of it, the life

(01:46:39):
insurance part of it, You don't need either. If you're
going to buy Credit Life and Disability, buy it independently.

Speaker 5 (01:46:47):
What about windshield coverage?

Speaker 3 (01:46:49):
They charge you know X amount of dollars for windshield
coverage right now? Can't you aren't there? Don't Most policies
offer an add on for windshields? Yes, okay?

Speaker 5 (01:47:00):
How are they priced.

Speaker 10 (01:47:02):
Less expensive than what you would get it at for sure?

Speaker 3 (01:47:04):
But how do they work? Are they ten dollars deductible
or no deductive? Were?

Speaker 10 (01:47:08):
How does the words on the carrier?

Speaker 9 (01:47:09):
There's some carriers that will have a fifty dollars deductible
if you buy glass coverage, or one hundred deductible. There's
others that have no deductible if you have a glass.

Speaker 3 (01:47:17):
But they're not expensive, are they?

Speaker 10 (01:47:19):
Here's how I would say it. It does vary.

Speaker 9 (01:47:22):
Let's say you get like a new Tesla, and the
windshields on those are going to cost, you know, fifteen
hundred dollars or two grand to replace a windshield. You're
going to see it reflected in the price. It's going
to be more expensive. Oh, it's not a set price
for us.

Speaker 5 (01:47:36):
It's always going to be cheaper than a dealer. I'll
venture to say.

Speaker 3 (01:47:39):
I saw one time on a simple Jeep the windshield
coverage offered was like six ninety five for the life
of the car.

Speaker 5 (01:47:47):
Now if you break that down, yeah, or the life
of the loan.

Speaker 3 (01:47:51):
If you say it's not life of the car, life
of the loan, if you broke it down six ninety
five for a cheap for four years.

Speaker 9 (01:47:59):
Yeah, I would just like for a car like that,
you're probably only talking about adding glass coverage on with
a carrier would probably only be let's say a hire
bucks a year.

Speaker 3 (01:48:09):
Yeah, yeah, something like that. So in any case, and
then they have anti theft things they try to sell you.

Speaker 5 (01:48:16):
Now here's what I want to know.

Speaker 3 (01:48:19):
Does any car insurance ever give a discount for these
kinds of They call it lowjack or windshield etching, and
they say, oh, this is going to get you a.

Speaker 5 (01:48:29):
Break in coverage.

Speaker 10 (01:48:31):
Never, Nope, doesn't do anything for you.

Speaker 5 (01:48:34):
So, and here's what I want to know.

Speaker 3 (01:48:37):
Why do people care if their car is covered quicker
quicker or if they have anti theft windshield etching?

Speaker 5 (01:48:46):
It's such a ripoff. They charge you X amount.

Speaker 3 (01:48:50):
Of dollars and say this will cover you if your
car stolen and if it's recovered, you'll get it back quicker.
Insurance companies don't care anything that.

Speaker 10 (01:49:00):
They don't care.

Speaker 9 (01:49:00):
I will tell you from my experience of buying cars,
the funniest thing to me is they'll they'll come in
with all these options of things in the finance piece
and they it's so high pressure. And then when you
say you know, they always quickly fall up and say,
now we're not making any money doing this this.

Speaker 10 (01:49:16):
Yeah, right, you twisting my arms do it?

Speaker 3 (01:49:20):
So?

Speaker 5 (01:49:20):
But I imagine, but you bought a Tesla. They don't
do that, not at all.

Speaker 10 (01:49:24):
Not at all. Can you just walk in, you sign
the paperwork and you move on.

Speaker 3 (01:49:27):
Yeah. Yeah, Tesla's never been bigger that. That's because they're old.
They're all direct from the factory. I've never when I
experienced my my son's car, they just sell you the car.
They don't. They don't try, they don't add that crap. John,
you have a question on homeowners insurance? Go ahead, what's
going on? John? So I had a.

Speaker 7 (01:49:48):
I need to renew my insurance. As a result, I
was told that my insurance is going to go from
actual cash or replacement costs on the roof to actual
cash value.

Speaker 14 (01:49:59):
So I thought I better have out.

Speaker 7 (01:50:00):
And take a look at it before it changes.

Speaker 14 (01:50:02):
They set up heal damage, but it's.

Speaker 7 (01:50:05):
It's more than a year old, so they will cover it.

Speaker 10 (01:50:08):
Right, So now what do I do?

Speaker 8 (01:50:11):
Now?

Speaker 5 (01:50:11):
Wait a minute, so that Oh, so they're.

Speaker 9 (01:50:13):
Saying policies nowadays, most policies will say that the damage,
you have to report the damage within twelve months of occurrence, right,
so if it's over twelve.

Speaker 3 (01:50:22):
It's always been like that, though hell it.

Speaker 10 (01:50:24):
Wasn't always like that.

Speaker 9 (01:50:26):
Really were times where people would make claims and was like, hey, yeah,
there's damage, we don't know when it occurred, but we'll
pay it.

Speaker 10 (01:50:31):
That's gone.

Speaker 9 (01:50:32):
They almost all have an endorged you know, language in
the policy now that says that it has to be
within twelve months of the loss of the data.

Speaker 10 (01:50:40):
Discovery has to be with.

Speaker 5 (01:50:41):
Or how are they putting a date on it, John,
do you know.

Speaker 7 (01:50:47):
By looking at it and saying that some of the
damage is I don't know the color of the marks
or something, and that we haven't had a significant hailstorm
to cause it.

Speaker 3 (01:50:59):
They went damage. They went to the National The National
Weather Service literally breaks it down to neighborhoods.

Speaker 9 (01:51:04):
Yep, they can show exactly where a hailstorm went. Now,
whether or not you believe the insurance company is a
different statement. I mean you could definitely do your own, Yeah,
you know, research on this to find out a lot
of roofers have access to that same program that show
where and when a hailstorm.

Speaker 3 (01:51:22):
John, Why did you call your insurance to begin with
leaking or something or a problem with your roof?

Speaker 7 (01:51:29):
No problem at all, But there was a guy, yeah
and somebody else's happened beyond the roof and said that it.

Speaker 3 (01:51:39):
Looks like oh okay, And then you called your insurance
and they said so sad, too bad, right and.

Speaker 9 (01:51:47):
Dout of curiosity, John, did you call this roofer to
come look at your house?

Speaker 10 (01:51:51):
Or was this just some guy walking around the neighborhood?

Speaker 14 (01:51:54):
Oh no, no, no, I I go on to troubleshoot
a website.

Speaker 10 (01:51:58):
Perfect. You did exactly what you should have done.

Speaker 5 (01:52:01):
Yeah, but he did it too late. That was the
only problem.

Speaker 9 (01:52:04):
Did the roofer that you used? Did they give you
an idea of when that when they think it occurred.

Speaker 11 (01:52:12):
Uh?

Speaker 7 (01:52:12):
Yeah, they said it's possible that it was over a
year old year old?

Speaker 3 (01:52:16):
Okay, yeah, man, but that's so what are you supposed
to do now?

Speaker 7 (01:52:21):
Are you supposed to have a roofer come out every
year and check this?

Speaker 11 (01:52:24):
You know what?

Speaker 14 (01:52:24):
Damage?

Speaker 3 (01:52:25):
You know? John brings up a really good point. John,
It is a great point. So many people. John, I've
talked to so many people that had damage and they
didn't know they had it. Yeah, because I guess what
you What you have to do, literally is if you
have a storm of any kind or there's one nearby you, yeah,
you have a roofer check it out. They they'd love

(01:52:47):
nothing more than to find damage. So if they say
there's damage, there's damage.

Speaker 9 (01:52:51):
Yeah, and it's John, it's exactly like Tom said, It's changed.
This whole marketplace has changed the way you have to
handle this. If there's a storm that goes through your neighborhood,
it behooves you to have it looked at, not by
your insurance company, but by a roofer, because they'll do
it for free. They'll come out, they'll look and they
and if you get a good roofer, they're going to
be honest with you and tell you whether or not

(01:53:13):
this damage just.

Speaker 3 (01:53:14):
A curve of course, and then they have they want
to get it paid for, so they're not gonna Most
roofers aren't going to waste time lying about it because
they want to get it paid for it from insurance.

Speaker 5 (01:53:24):
And they know insurance is hard to lie to.

Speaker 3 (01:53:26):
So if they feel you have cover, not coverage, but damage,
they're going to tell you. And and John, you bring
up a point, what do you do have a roofer
come out there? You know, I don't think it is necessarily,
by the way, a bad idea, but Trolley Roofing offers
a free roof inspection once a year and or whenever

(01:53:47):
you call, but they say you should have they believe
an annual inspection of your roof. And it's not just
for hail damage, but if there's maintenance issues that can
be caught ahead of time before they do harm. There
are many times things that happen on your roof that
you're not aware of because you never go up there.

(01:54:08):
And I don't think it's a half bad idea, John,
to have a qualified good roof for inspect your roof.
There might be a repair or too you need to
make that. We're not talking about replacement. We're not even
talking about a lot of expense. Maybe flashing has to
be touched up or calking, and it could save you

(01:54:28):
thousands of dollars later on in your home. There might
be areas where ice damming occurred that they can stop.
So actually that's a pretty damn good call, John, Thank you.
It is something that I don't think is a bad idea.

Speaker 10 (01:54:41):
Yeah, no, I agree.

Speaker 3 (01:54:43):
In fact, I'm shocked that insurance companies don't do more
inspecting of homes before they ensure them.

Speaker 10 (01:54:49):
Oh they do now that they didn't used to.

Speaker 9 (01:54:51):
But I don't think there's a company that doesn't do
an inspection, whether it just be a dry by. In
other words, they're not coming inside your house, but they
almost all do on new business, not on renewals, but
on new business and on new business.

Speaker 3 (01:55:05):
Can they require roof replacements and stuff like that before
they'll cover them?

Speaker 10 (01:55:09):
Oh yeah, they can say we're not covering this home.
Unless this is there's a new roof on it.

Speaker 5 (01:55:13):
Yeah, so they give conditions for that.

Speaker 9 (01:55:15):
Oh yeah, they have that sixty day window from the
time they write the policy to be able to underwrite
it and make sure that it's something they want, so.

Speaker 3 (01:55:23):
They can start theoretically covering you, so you can get
your mortgage or move in or do whatever you need to. Yep.
But then they can reject it within that say, can
cancel it.

Speaker 9 (01:55:31):
So in other words, they can't say, well, we never
wanted it. But what they can do then is say
we're giving you a thirty day notice, we're not going
to ensure this home. So then they will ensure it
for thirty days and then you have to find new
insurance or comply with what they need changed.

Speaker 5 (01:55:47):
Okay. And by the way, if you have a new
insurance company.

Speaker 3 (01:55:52):
That let's say you have a roofer that notices in
damage and it was done within the lastlast year. Let's
say the damage okay, but you have a new insurance company.
Do you go back to the old insurance company or
does the new insurance company pick up that even though
the damage wasn't done under their reign, it's.

Speaker 10 (01:56:13):
The insurance company that was insuring the home.

Speaker 9 (01:56:16):
At the date of loss. That's who you go to.
So if you've changed insurance companies in November.

Speaker 3 (01:56:21):
And then and then a roofer discovers something.

Speaker 9 (01:56:23):
You go back to your old policy and say, hey,
I got heal damage and they must like that, they
must hate that. But if they if that can be
proved out, they're on the hook because it's an occurrence policy.

Speaker 3 (01:56:34):
All right, I got to take a break. Deputy Bow
has a question. I'm unsure motor coverage will take next,
but I do have to take this break.

Speaker 5 (01:56:40):
I'm Tom Martine. We got more coming up.

Speaker 3 (01:56:41):
If you have a question, problem, or complaint three oh
three Martino three oh three six two seven eight four
six six or three oh three seven one three talk
go with a sure thing Denver's best roofer Excel Roofing Dot.
You don't pay a cent until you're content. Time for

(01:57:06):
an insurance checkup free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance companies.
Find out now three 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.

Speaker 5 (01:57:28):
Hey, I'm Tom Martino.

Speaker 3 (01:57:29):
You're troubleshooter three oh three seven one three talk seven
one three eight two five five. I had a question
about real quick here about Excel roofing and their holiday
lighting or their permanent lighting, and somebody put it. Somebody
went online mark and one thing I just noticed that
I went and did it myself. They got this outrageous

(01:57:51):
bid and they said, well, Tom, I got an outrageous
bid and the other companies were only five or six grand.
As it turns out, I investigated this. As it turns out,
they went in and used the virtual estimate that took
their entire house, and they never specified what section of
the house they wanted. So he was comparing an Excel

(01:58:13):
house Excel roofing doing the entire roof compared to someone
else who was just going to do the front and
the one side. When he went back in and put
the actual footage in Excel was much lower. So be careful, folks.
When you go to that estimator tool online. You know
they'll come out and visit you, or you can call them.

(01:58:33):
But just be sure you put what sides of the
house you want and all that because they take imagery
and calculate it accordingly.

Speaker 5 (01:58:42):
But I'm really.

Speaker 3 (01:58:42):
Happy about that because I was thinking, man, I hope,
I hope they're not that much higher, but they weren't
for sure.

Speaker 4 (01:58:49):
All I did the front and the side like that
guy was saying.

Speaker 6 (01:58:54):
And I love my Edemne last night, Tom, I mean
I absolutely loved it.

Speaker 5 (01:58:58):
I know you do, and you got and RK worked
out where groc can do it and he.

Speaker 3 (01:59:03):
Can just make it. Come on, Brock, I got make
me happy. Yeah.

Speaker 4 (01:59:08):
I got liberal neighbors next door.

Speaker 2 (01:59:10):
Now.

Speaker 4 (01:59:10):
We like them a lot. They are anti Trumpers like
I've never seen. So I'll do red lights a lot.

Speaker 3 (01:59:17):
Just a Marcia deputy bow, I know your hold. I
just know you'll hold a little longer for me because
Marcia just called in. What's going on? Marcia?

Speaker 8 (01:59:29):
Can you hear me? Okay?

Speaker 3 (01:59:30):
I can? Is it Marsha or do you pronounce that Marcia?
Many people do either way, it's Marsha Marsia.

Speaker 8 (01:59:38):
I have a terrible voice, yes, but I have a
respiratory infection.

Speaker 5 (01:59:43):
Oh my goodness, what's going.

Speaker 3 (01:59:45):
On with you?

Speaker 8 (01:59:47):
My family? And I have been living in a hotel
since Sunday due to a mold infestation in our home.

Speaker 5 (01:59:56):
When did you discover the mold infestation?

Speaker 8 (02:00:00):
We've been complaining to the landlord about various weeks in our.

Speaker 3 (02:00:05):
Homes for years. Now you think, do you think your
respiratory infection is a result of this?

Speaker 8 (02:00:13):
We have years of symptoms. Yes, even our dogs have
suffered seizures.

Speaker 5 (02:00:19):
How long have you How long have you lived there?

Speaker 8 (02:00:23):
Four and a half years?

Speaker 3 (02:00:25):
Okay, Now do you think there was a mold issue
from the time you moved in?

Speaker 8 (02:00:33):
We could not prove that. However, when my husband spoke
to the landlady yesterday morning, she admitted that when her
son lived in the same home there was mold presence,
but it didn't bother them though they're not that concerned
about our situation. They entered the home two days ago
without our permission, and we caught them wiping the mold

(02:00:55):
away that we took pictures of and cutting out sheet
rocks without protection, and the sheet rocks that they cut
out on the exposed formal within the walks of the home.

Speaker 5 (02:01:10):
Well, so now you're living in a motel right now?

Speaker 3 (02:01:17):
What?

Speaker 8 (02:01:17):
What?

Speaker 3 (02:01:18):
What is your plan are you Are you going to
leave the place or are you in the middle of
the least tell me about your situation.

Speaker 5 (02:01:24):
Let me let me just explain something upfront, just so
you know.

Speaker 3 (02:01:27):
Mold issues are some of the hardest to prove, to
get compensated for, and to do anything about. So you
have an uphill battle. I'm just telling you that right now.
I'm not telling you that there is no mold. There
could be mold, but the proof is on you to
prove that it's toxic and harmful and and have direct

(02:01:48):
cause of your of your ills. It's not going to
be anything automatic. There is no health department that's going
to come by and help you. It's a really tough battle.
That's why I'm asking these questions. Do you have any
testing on your own of the mold spores in the air.

Speaker 8 (02:02:08):
That, sir, is my favorite kind of battle. Yes, but
they didn't know as we hit pea traditions around the
home inside the air bence before they started cutting out
the drywall.

Speaker 5 (02:02:22):
All right, so these were these were these were mold testings.

Speaker 8 (02:02:27):
Right, you did some mold test catches?

Speaker 3 (02:02:30):
Good? Good? How many molds? How many? How many mold
tests did you do? Uh, do you have the samples?
Did you send them in?

Speaker 8 (02:02:40):
Not yet, there's still culturing. They that's the culture for
forty eight a minimum of forty eight hours before Okay.

Speaker 5 (02:02:48):
Good, good, good?

Speaker 3 (02:02:49):
Would you win?

Speaker 5 (02:02:52):
Okay? You got to do all of that and send
them in and then.

Speaker 3 (02:02:57):
Do you have any medical or health care workers that
you've been to that can verify this is due to
mold exposure.

Speaker 8 (02:03:08):
So that's been the hard part. I've been on the
phone with our doctor's office. Yeah, you might want to
call the Health department apartment, let us know. That's the
second call we've had this week about them.

Speaker 3 (02:03:20):
Okay, but if you if.

Speaker 8 (02:03:23):
The health department and I suppose to environmental services and
they say, yeah, you might want to call your doctor's
office exactly.

Speaker 3 (02:03:30):
See, that's that's what I'm getting at, Marcia. It's such
a complicated mess.

Speaker 5 (02:03:36):
Here's the thing. Most molds. Most mold is just mold.

Speaker 3 (02:03:41):
It's not toxic and there's nothing you can do about it.
But there's a but when you do. But when you
do run into toxic or dangerous mold and you're having
a reaction, it's it's so difficult to document your case.
You're smarter than most in that one thing that you've
done that most people don't are the patri dishes. So

(02:04:02):
you're really in a good position right now. But you're
just gonna have to find you may have to get
a referral from your doctor for someone else, and you
may have to go to a respiratory or an E
N T or somebody, because you want to know is
it due to mold toxicity or is it simply a cold?
Are other members of your household? Are they also suffering

(02:04:26):
from this, Marcia? Or is it just you?

Speaker 8 (02:04:29):
Okay, hold up, let me let me go through this
real quick before you set me and if you can,
if you can give me a second, okay, go ahead.
So we have three years years of documented medical history.

Speaker 15 (02:04:43):
Of various illness and symptoms that yes we are priestly
a medical uh diagnosed this for okay.

Speaker 8 (02:04:53):
Okay, I am your I am your female version of you, yourself.

Speaker 5 (02:05:00):
Okay, you're you're a fighter.

Speaker 3 (02:05:03):
Hold on, Hold on a second, Marcia, hold on, I'll
come right back to I want to give you more
time so I won't interrupt you again. If you just
give me these a few minutes for spots, we'll come
back and get your story you don't sound you don't
sound like a typical mold complainer. You sound like you're
systematically going through this the way you should. We'll talk

(02:05:23):
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twenty two. Okay, welcome to the show. Three zero three

(02:06:06):
seven one three talk seven one three A two five five.
Marcia called and said she's had mold testing done to
her apartment and they're in there now trying to clean
it up. Marcia moved out with her family and fears
that he'd been infected. And I asked, what steps are
you taking? And she was about to tell us everything involved.

(02:06:30):
She's really serious about this, and right now are they
paying for that motel or are you paying for that? Marcia.

Speaker 8 (02:06:39):
So the one thing that they have done that was
helpful is the landlady did agree to pay for two
nights at a hotel here where we live in our town, Okay,
which is in the rural northeastern Colorado. The compounding problem
that we had with that is it took until one

(02:07:00):
morning on Sunday, So we started Saturday night. That's when
we reported the mold was Saturday at three o'clock in
the afternoon. And according to the Colorado Sight Statutes, which
I have looked up and printed a copy of, for
landlord responsibilities and tenant rights when it comes to finding

(02:07:20):
mold in your home, also the amount of time that
the landlord has to respond, et cetera. I can quote
those statutes if I need to, by the way, I
have them printed in front of me.

Speaker 3 (02:07:30):
Well, I'm not sure they actually specified mold though, they
just specified the time to respond to complaints. Right.

Speaker 8 (02:07:39):
Oh, no, it's specified mold. This is specifically for landlord
and my ability for mold in the state of Colorado.

Speaker 3 (02:07:47):
Well, can you give me that statute number? I'd like
to look it up. I did not know I know
about the habitability standards, But I did not know they
singled out mold and gave time limits for more. I
didn't know that.

Speaker 5 (02:08:01):
So where where are you finding that?

Speaker 8 (02:08:04):
This is from a website called nolo?

Speaker 3 (02:08:07):
N O L O.

Speaker 8 (02:08:10):
L the Colorado rules regarding mold and rental properties.

Speaker 3 (02:08:16):
Okay, m hm, second and no, no, that's cool. Did
they did they? Did they give you a CRS an
actual look at I I don't. I don't want to
get meyered down on this, but I truly mean that sincerely.
I don't know of any habitability standards that actually names mold,
but I would love to be educated and look for

(02:08:37):
it if you can give me the CRS if you
have it. If not, then does NOLO have a website
I can go to?

Speaker 8 (02:08:45):
That is the website?

Speaker 5 (02:08:46):
Is it's nolo dot com?

Speaker 3 (02:08:48):
N O l O dot com. I'm king for you here,
I'm sorry, Yes it is. It is nolo dot com,
says legal issues explained and all that is. That's where
you're looking at.

Speaker 8 (02:09:03):
Yes, that is COOAT And then you can click on
the revise so it closes the statutes, so you can
click on them and you can refer to the exact
statutes under what the website doescis.

Speaker 3 (02:09:15):
Okay, I won't take your I won't take your time
on the air to do that. I'll do that later.
So go ahead, go ahead. I'm listening.

Speaker 8 (02:09:21):
So basically, the reason I brought that up is everything
I'm about to say can be referenced. Does that make sense?

Speaker 3 (02:09:28):
Yeah, So go ahead.

Speaker 8 (02:09:30):
And the reason I'm calling you is because people need
to know about this. Other attendants need to be aware
of this because of what we've gone through. And that's
that's my purpose here. Okay, there's not a lot of
protection for people on this there's no disclosures. I have
to sleep with a bipath machine and I didn't have
to start doing that until year two of living on

(02:09:53):
this property. Now, perhaps my severe sleep after their runs
in the family, but I'm the wrong kind of person
that should be living in a property with these complications.
Certain micotoxins. Now there's different.

Speaker 14 (02:10:06):
How much do you spend a months in black mold?

Speaker 4 (02:10:09):
How much do they charge?

Speaker 8 (02:10:12):
I'm sorry?

Speaker 4 (02:10:12):
How much is the rent? I'm curious?

Speaker 8 (02:10:16):
So we live in a double wide trailer and can
I see the name of the town. Is that allowed?

Speaker 3 (02:10:22):
Sure?

Speaker 5 (02:10:22):
Yeah, of course it is.

Speaker 3 (02:10:23):
Go ahead, Yeah, okay.

Speaker 8 (02:10:25):
So we live in Stirling, Colorado, in a double wide
trailer on a foundation. Okay, in the middle of the town,
all right, And rent has gotten out of control, which
is why we have stayed in this particular house, because
in order to move out of our home, we would
have to pay more for less at this point because

(02:10:47):
of the housing migration that's occurred in our area. So
we've essentially gotten stuck where we live as ventures. We
have been for years working on getting out and building
our own home, but because of the cost of rental inflation,
we've not been able to leave. And what we have

(02:11:07):
is almost a treasure if you can set the mold aside,
compared to what other people pay for for the square
footage we get a night yeah, twenty by forty six shops.

Speaker 3 (02:11:17):
In other words, if it wasn't for the mold, if
it wasn't for the mold, it would do something. It
would it would be a great Now, here's what I
want to know. In the interest of time, and we
can always bring you back. But in the interest of time,
what are you calling us about today? Because you know,
you sound like you're in the process of documenting everything
and you are looking to get Okay, so what can

(02:11:41):
we do for you?

Speaker 5 (02:11:41):
What are you calling about today?

Speaker 8 (02:11:44):
I don't even know. I'm getting so many balls. Really,
I guess exposure. I want you to know about how
dangerous this can be and the health issues that it
can cause. Because our landlord is not taking this seriously.
They went in.

Speaker 3 (02:12:00):
If they're in there tearing stuff apart, they're not doing
that for no reason. Right.

Speaker 8 (02:12:05):
They're also not doing it professionally and safely. They're making
it worse. They think that you can wipe mold off
of poorest surfaces, and whether it's black mold or not,
the roots of the mold are still in the poorest surface.
That mold has to be professionally mitigated. And I well,
you've spoken it's various companies that do professional midigation.

Speaker 3 (02:12:28):
I'm going to I'm going to tell you something, Marcia.
I don't think I don't think you're going to get
the I don't think you're going to get the landlords
to do it the way you want. Okay. And I'm
looking at and I'm looking at Nolo, and I just
want to be straight with you because you sound like
you're very serious. They're not referencing Colorado law here. They're

(02:12:49):
referencing past cases in many states, including Colorado, But there
is no specific a CRS that I can find that
addresses molds. It does address health issues, however, and you
can use that in your in your fight. There's a
way to go about it. But are they did they

(02:13:10):
literally have the trailer torn apart right now, the double
wide or not? Are they? Are they attempting to fix it?

Speaker 8 (02:13:18):
When my husband walked in on them, it spooked to
them and they haven't been back other than to say
that they took a four meter in and took a
reading in our kitchen and it says that it read
no spores in the air, so that if we wanted
to go in and use our kitchen to cook it
with save.

Speaker 3 (02:13:34):
Okay, they're they're obviously they're obviously trying to show there's
no problem, and you're trying to show there is a problem.
Are you able to go in and get When are
those Petrie dishes? When are those Petri dishes going to
be ready to be sent.

Speaker 8 (02:13:47):
In hopefully by tomorrow? Hopefully?

Speaker 3 (02:13:51):
Okay? What I what I want to do is this,
I want I mean truly, you could be in a situation,
truly where where you have mold and you have serious
issues that the landlord has to take care of. But
the worst thing that happens with this is they can
just say, you know what, we can't fix it, and

(02:14:12):
then you move out. In other words, you can't make
them necessarily fix it and stay there. If they refuse
to do it the way you want it, that's the
problem you're going to have. They may evict what I'm saying,
let me just say it in plain English. They may
evict you because they think you're a pain and they
don't want to address the real issue. And it could
be your absolutely correct and they need to. But the

(02:14:34):
law does not allow for specific performance. One of the
most you can get is maybe some damages to help
you move somewhere else. But you may not be able
to get them to fix it for you. That's the
big problem you may have if you turn out to
be correct. I gotta take this break, Kuldchina, get her information,

(02:14:56):
and let's get her back on when she has some
results from these tests.

Speaker 5 (02:15:00):
Otherwise we're just speculating. We have more coming right up.