The Troubleshooter 12-17-25

Episode Transcript

Speaker 1 (00:00):
And y'all.

Speaker 2 (00:05):
Ripped up.

Speaker 3 (00:07):
Needed so you don't happen.

Speaker 4 (00:12):
Come running just as fas as we can. Shoot 's
gonna help come Man Dix.

Speaker 3 (00:20):
Is the Troubleshooter Show. No, Tom Martino, Hi, Tom Martino
here and this is the trouble Shooter Show. Welcome to
the show. As we wind up this year, I'm not
sure if Major Mark Major made it on for today.
He was going to take a couple of days off
before his long excursion. He and suser Are you there

(00:42):
Mark or not? Did he sign in?

Speaker 5 (00:44):
Okay?

Speaker 3 (00:45):
So uh anyway, thanks Mark for filling in the last
couple of days. Welcome, Welcome, Welcome, what a year it
has been. Let's reminisce a little and then get new problems.
Give us a call three ozho three seven one three
talk three oh three seven one three eight two five five.
I did look at the video from the cop from

(01:06):
the other day on the bodycam footage. I'll be showing
that on our YouTube feed so everyone can see it
and hear it.

Speaker 5 (01:12):
But right now, let's go to the phones.

Speaker 3 (01:14):
Now you can reach us in two ways three oh
three Martino, you call that twenty four to seven. When
we're here, it comes right through. When we're not here,
you leave your number. You can call live when we're
on the air here in the iHeart Studios, which is
three O three seven one three talk seven one three
eight two five five, and then that's really the main ways.

(01:36):
You can always text me as well during the show
or actually twenty four to seven you can text me
and it comes right to my cell phone. It's seven
four seven nine nine nine fifty two eighty. I can't
believe that. Forty five years, man, forty and I've been
in broadcasting a little more than fifty years, and I

(01:57):
just say, this, what a hell of a year this
has been. We were just reminiscing about it, because, you know, people,
the thing about this time of year, people get very
nostalgic because they look back on the year. I think
it's a natural thing this time of year for people
to look back during the year and say what kind
of a year it's been, or what kind of a
year they're looking forward to. There seems to be a

(02:18):
beginning and endpoint that gives people a bit of catharsis,
and it gives them also hope, and it gives them,
you know, like a sense of new beginnings. That's what
I think A big part of this time of the
year is Warren, Let's go right to you.

Speaker 5 (02:34):
God, I can't believe I.

Speaker 3 (02:36):
Uh, this guy he's going to talk about has been
on my show.

Speaker 5 (02:42):
We've had so many calls.

Speaker 3 (02:44):
As a single person, this guy probably generates the most
complaints of anyone I've ever had. It used to be
Jim Weisze, but you know, we haven't heard much from
Jim Weiese anymore. At forty fourth Auto. If you go
on sleeves gaide dot com, you'll see him. You'll also
see Jeff Jolliffe. Uh, and that's who Warren is complaining about. Warren,

(03:07):
tell me the story. What is happening is this? Is this?
How did you get stung by this guy? Or did
you not get stung because you happen to read about
him first?

Speaker 5 (03:18):
What tell me the story?

Speaker 3 (03:20):
Well?

Speaker 6 (03:20):
Uh, yeah, hi, Tom, I think I'm in the process
of getting stung.

Speaker 3 (03:27):
How did you How did you find out about him?
Are you in the Denver area or you were somewhere
else in the country.

Speaker 6 (03:33):
I'm in the Denver area currently, you know, trying to
make how'd.

Speaker 3 (03:39):
You find out about How did you? How did you
hear about Jeff Jolliffe, and I'm going to explain to
everyone who he is and what happened. How did you
hear about Jeff Jolliffe?

Speaker 7 (03:47):
Uh?

Speaker 6 (03:47):
Yeah, I found out on Facebook marketplace and yep.

Speaker 5 (03:51):
That's where that's where he is now.

Speaker 6 (03:53):
Yeah, and then uh, did not have the Uh I'm
usually pretty scrupulous about this stuff. But did not have
any name of the business that he's operating under now
which trying to think of the name off the top
of my head here, but something Transmission and Gear Inc.
And I found his articles an organization everything on Secretary

(04:17):
of State website now, but saw all the bad Google
reviews and then saw someone posted your website on it.
And I'm like, oh, because all right, so you.

Speaker 3 (04:27):
Found Jeff Jollathan, What did you want him to do?
Because you will get ripped off. There is absolutely no
doubt you will get ripped off. He should be in jail,
he should be arrested. But we don't arrest We don't
arrest criminals in this state like that, not that kind
consumer crime.

Speaker 5 (04:43):
It goes unpunished.

Speaker 3 (04:45):
So, Jeff Jolliff, how did he take You tell me
the story you got in touch with what happened?

Speaker 6 (04:52):
I have a vehicle that was broke down on a
jeep that I pulled the transmission on myself, and luckily
I didn't leave my vehicle with him, but delivered the
transmission to his associates.

Speaker 3 (05:03):
And so you needed you needed repair on a jeep
transmission okay, okay? And and you found out and this
guy was going to rebuild it.

Speaker 6 (05:14):
Yeah, this guy was going to rebuild it. And then I, yeah, foolishly,
also gave him my transfer case another component there.

Speaker 3 (05:20):
So you you didn't drop the vehicle off or did
you you just drop off the transmission?

Speaker 5 (05:25):
What did you drop off?

Speaker 6 (05:27):
I dropped off the transmission and a transfer case to
his associates. And I was kind of you know, want.

Speaker 5 (05:36):
And did you pay money? Did you pay money up front?

Speaker 6 (05:39):
Yeah? And that was kind of a bait and switch.

Speaker 5 (05:41):
I didn't how much did you pay up front?

Speaker 6 (05:44):
Nine?

Speaker 3 (05:46):
Okay? So you know you do know you'll never get
it yet You're you've been completely ripped off. Just you
can you can kiss a goodbye, kiss a goodbye, just
kiss a goodbye. You can go to small plains court
and get a judgment. You do whatever you want, but
it doesn't matter. He just continues to does he actually
use his name Jolliffe on there or not.

Speaker 6 (06:08):
You know, I had spoke to him on the phone,
which you know, seemed like at first that he was
a very you know, talkative guy and that he knew
his stuff, and maybe that was the case. I just
assumed he was someone maybe moonlighting with a small business,
and that's kind of what I was going for, you know,
get a discount through Facebook marketplace.

Speaker 3 (06:28):
So how long would you pay this guy nine hundred
bucks and give him the transmission?

Speaker 2 (06:34):
How long ago?

Speaker 8 (06:34):
Oh?

Speaker 6 (06:35):
Yeah, a few weeks or so. I was still waiting
on one component for the cheap So I said, you know,
take your time with So.

Speaker 5 (06:41):
When when a month ago? Went?

Speaker 2 (06:43):
Right?

Speaker 3 (06:43):
Now in Dayton time, it's now December seventeenth.

Speaker 5 (06:46):
When did you do this?

Speaker 6 (06:47):
Probably about a month ago?

Speaker 3 (06:50):
Okay, yeah, and and tell me the problem you're having.

Speaker 6 (06:55):
So I'm currently you know, he had like an invoice, okay,
paid part of the invoice. Sends me an official invoice
or what looks to be paid his associate, Uh, I might.

Speaker 3 (07:07):
Be so he how many associates does he have? He
actually has partners in crime?

Speaker 6 (07:13):
Yeah, it was a couple which I met. She goes
by the name Justina Young, but her name came up.
Cordova was her last name that came up there.

Speaker 3 (07:23):
And then and are they married? You said a couple?

Speaker 6 (07:27):
Yeah, I believe that they're married, at least a couple.
And they I think had their child with them. And
they were in a small car they so they usually
had a larger vehicle. I met them at a Walmart
parking lot there, and uh, I'll share it, and that's how.

Speaker 3 (07:39):
That's how you dropped off your stuff at a Walmart
parking lot.

Speaker 6 (07:43):
Yeah, it seems seemed funny, right, but uh yeah, Warren.

Speaker 3 (07:46):
What did you mean when you said you did you
did your homework? You're usually pretty good about this. What
exactly did It doesn't sound like you did anything.

Speaker 5 (07:55):
You had all these red flags.

Speaker 3 (07:56):
You're meeting a guy at a parking lot, you're giving
him nine hundred and your transmission, and what did you
hope was going to happen?

Speaker 6 (08:04):
Well, here's the other thing, you know. I was kind
of dissuaded from those red flags because a friend of
mine actually had some work done by him a train.

Speaker 3 (08:12):
No he didn't, he did know he did, and yeah,
but it did he didn't. He didn't get it done.
He's lying your friend. Your friend is either lying to
you or Jeff Jolliffe has never completed.

Speaker 5 (08:23):
A job never.

Speaker 6 (08:24):
Well, this is my concern now that maybe he did,
you know, give him a transmission back. But I'm seeing
that some people, you know, they get these broken or
reuse transmissions and the warranty is not worth anything. So
I think that's what happened to my friends now having
problems with that same transmission.

Speaker 5 (08:40):
Of course he is, of course he is.

Speaker 7 (08:43):
So is there a way?

Speaker 3 (08:44):
Is there a way do people on Facebook Marketplace at least.

Speaker 5 (08:48):
Put up warnings about him?

Speaker 3 (08:50):
I mean, are they just that stupid that they don't
do searching? Can you go back to Facebook marketplace and
tell him about us and tell him about the Sleeze
Brigade and all of that.

Speaker 2 (09:02):
Sure?

Speaker 6 (09:02):
Yeah, I think the thing is he probably pulls down
the post that he puts up temporarily, and then he
puts up new ones all the time, and then this
is probably the way he's escaping, you know, the public
outcry to not use them.

Speaker 3 (09:16):
All right, I want to know, let's figure out what
we can do from here. By the way, Jim has
a Champion Windows issue. Champion is not the company they
used to be. In fact, oh dare I say they suck?
Kim is calling with an insurance problem we got and
we have our insurance expert today, Brian Burns from Compass

(09:38):
Insurance Group.

Speaker 5 (09:39):
I want everyone to stick around for more.

Speaker 3 (09:41):
By the way, Dan McKenzie is an a state planning
attorney that I am actually using right now.

Speaker 5 (09:46):
The process is wonderful.

Speaker 3 (09:48):
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what you need for your estate. And they're helping me.
They can help you too. Eight three three co plans
three co plans Now that's uh. He's live and local
right on a Rapo Rodents Centennial. And you can do
zoom meetings or in person meetings. And you can also

(10:10):
go to coplans dot co. Go with a sure thing
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Speaker 5 (10:21):
You don't pay a cent until you're content, wait.

Speaker 3 (10:27):
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 seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino, your

(10:54):
troubleshooter three O three seven one three talks seven one
three A two five five. I got Brian Burns with
me from Compass Insurance Group, and I have a deputy
D here and then back at the fort, we have
a deputy doc. I heard in the studio Major Mark
Major is on with us, so welcome one and all.

(11:15):
A programming note for those streaming on YouTube. They said
they couldn't hear the caller. And I don't know what
to say about that, because nothing, nothing ever changes on
my end. So you know, we can joke all we
want about it, but we I'm just going to have
to do my show. Three O three seven one three
eight two five five, So I want to continue this.

(11:36):
This to me, this is unbelievable how this guy continues
to rip people off. I mean, he should be in jail.
I don't know how he gets away with it. He
just takes money and he never he never ever does
any work. A transmission back, it's never rebuilt, he never

(11:58):
does work. I warn the reason you were drawn to
him is because of your of the pricing.

Speaker 5 (12:07):
Are you there worn?

Speaker 3 (12:09):
Yes?

Speaker 2 (12:09):
Can you hear me?

Speaker 3 (12:11):
Yes, I can, sir. So you just you know, you
just what were you drawn to in the Facebook?

Speaker 2 (12:18):
Well?

Speaker 3 (12:18):
What is it that keeps him coming, you know, keeps
people coming back? What is it?

Speaker 9 (12:24):
Cheap prices? You know that cheap cheap prices?

Speaker 6 (12:28):
Yeah, not necessarily bottom dollar cheap, but you know, more
middle of the road. And uh, you know, usually you
can find some you know, stand up people on Facebook marketplace.
It's kind of the idea of it, right, But yeah,
I'd cross referenced the phone number with my friend because
I asked him about the transmission guy. He used, Oh
that's the guy I used. So that kind of dissuaded

(12:50):
some of the red flags for me. And I know
my friend who got his transmission back and he thought
it done a good job, even though he's now having
to pull that said transmission in less than a year later.
But yeah, you know, just was looking, you know, maybe
someone who's got a small business on the side, trying
to you know, you know, offer a deal because there

(13:12):
they don't have much of a reputation they build it
or something to that nature. So yeah, that's kind of
what drew me in, and you know, I was kind
of bit and switch with the whole deposit thing on
the way to drop it off, you know, shot me
at the Red Flag that they're saying, oh, you know,
to afford the parts for said rebuild on the transmission.

(13:35):
So I, you know, begrudgingly went along with that, and
you know it might be able to get some of
the money back because I did as a business to
business transaction. But yeah, that still had like a partial
invoice that was you know, supposedly due in a few
days here on a Friday, and yeah, earlier in the month,

(13:57):
guys phone phone was shut off, and you know I
was able to He did reply to me once through
Facebook again and he has a Yahoo email on there,
But since then I've reached out to his associate.

Speaker 3 (14:09):
So you do you actually have a phone number that worked?
You don't.

Speaker 5 (14:12):
You don't have a phone number? Then for him that
works no longer.

Speaker 6 (14:16):
He said he was having issues with T Mobile and
said that the Facebook. After after I was like, oh,
red Flag Phones Networking has an email on that invoice,
a Yahoo email, and his associate you know, hasn't answered
her phone or returned any of my calls left the

(14:37):
voice snails, So I'm kind of figuring that's the boat
I'm in at this point and probably going to look
to pursue small claims court.

Speaker 1 (14:48):
Come.

Speaker 5 (14:49):
Yeah.

Speaker 10 (14:50):
You may recall that the last time we looked into
Jeff Jolliffe was in early October, on a ninth actually,
and I spoke with a spokesperson, a spokesperson from the
City of wind which I believe is that's where Jeff Shaloff.

Speaker 1 (15:02):
Lives and operates out of, and the City of Windsor.

Speaker 10 (15:06):
Guy told me that both Windsor Police and Johnstown Police
have opened cases on him, and they're compiling enough material
on Jeff Jalov to present it to the district attorneys esecution.
I haven't heard back, but I do have a detective's
name and phone number in Windsor who's working the Jeff
Jalalov case. So if you think that will help Warren,

(15:26):
I'll be happy to give Warren this information, and Warren
I would also follow a report with a Johnstown police
department because maybe that maybe they're closer to charging Jeff Shaloff.
I can also tell you that last February, Jeff Jaloff
was arrested up in Weld County on an outstanding felony
theft warrant out of el past.

Speaker 3 (15:44):
So at least at least things are starting to cave
a little. But he keeps collecting money from people like
this guy, and then we have we have problems. So
look at Warren, We're gonna take your name and number
added to the get into when we'll get in touch
with the authorities and see where they're at with the case.

(16:06):
It's just unbelievable that it's just unbelievable to me, that's
all I can say. I mean, the guy is an
out and out thief. If any of us did that,
we'd be in jail. It's amazing how some people can
just be so flagrant.

Speaker 1 (16:20):
Tom. I have one more suggestion for Warren that might work.

Speaker 10 (16:24):
It's probably pretty important for Warren just to get a
stuff back and kiss the nine hundred dollars goodbye. And
people have had good success with this kind of stuff
in general. If you call the Windsor police and ask
them to provide a civil standby service when you go
over there, show up with your pickup truck and try
to get that transmission back. There will be a policeman

(16:45):
there and maybe that will kind of motivate mister Jollifanto
at least giving you back your property, if not your money.

Speaker 3 (16:53):
Yeah, so leave, leave your information with us and then
we're going to add it to the list and see
what we can do about it.

Speaker 5 (17:02):
Jim, Welcome to the show.

Speaker 3 (17:06):
You know, Jim, I just have to say something, okay,
because this is going to be a little controversial, But
Champion Windows does a lot of advertising, okay, and the
bottom line is, oh, he's gone. This guy with Champion
has gone. Okay, he was on to complain about Champion. Look, folks,
all I can say is this, He's not there now,

(17:27):
so I can't take the complaint.

Speaker 5 (17:28):
But it doesn't surprise me.

Speaker 3 (17:30):
Champion has been non responsive to consumer problems. Champion is
not the same company it was years ago. It's been
taken over by a big private equity firm. It's a
big home consolidator of home improvement. And basically, I'm just
telling you that we've had a lot of problems. Is
he there or not? Just give me a yes or no. Okay, Jim,

(17:54):
what is the problem you're having with Champion?

Speaker 5 (17:56):
Jim, Well, we bought.

Speaker 11 (18:00):
This sliding patio door back in two thousand and I
don't know fourteen or so, but it came a lifetime
morny to repair or replace. And finally this year and
decided the seal is broken between the panes and handle's

(18:21):
not working. So I put a call in to him.
At first, I thought I was just going to buy
a new and well, they sent a guy out in
two days. He took a look at it, that it
looks like one of our doors. He got out on
my deck, laid down, looked at the bottom of the door,
took a picture of it, and came back in and said, yes,
that is one of our doors, and it's got a
lifetime morty.

Speaker 3 (18:41):
Okay.

Speaker 11 (18:42):
His cell phone writes in in there. Called in and
they set me up for acclaim and said that after
that that they would be calling me to repair. That
was in twenty twenty four. I waited and no one called,
and I finally called, uh, the local phoenom that I've

(19:02):
had at the time, and they said you had to
call the eight hundred number. I called the eight hundred number.

Speaker 3 (19:07):
That's right around the time when things started falling. So
hold on, let's just speed this up. Jim, have you
heard from Champion about this door or not?

Speaker 7 (19:16):
No?

Speaker 3 (19:17):
Okay, And I don't think you're going to care. Yeah,
I don't think you're going to but we can give
it a try. We can have someone call Champion. Who's
in the studio. Well, let's give a do we a doc?

Speaker 5 (19:31):
Or who are you with?

Speaker 1 (19:32):
I'm in the studio?

Speaker 3 (19:33):
Tom, just you.

Speaker 12 (19:36):
Right to give you a Champion case?

Speaker 3 (19:38):
No, No, I just wanted to know if it was
just you or how many people are there? Okay, because
I wanted to make I wanted to make sure I
distribute these Okay, doc, So let's call Champion again. Champion.
It's controversial because they're a big advertiser, but I have
to tell you that I stopped advertising for them years ago.

(20:00):
They changed. They're just not the same. Okay, I'm just
going to say it. They're not the same. We've had
the cold shoulder when it comes to consumer problems, when
it comes to follow up, when it comes to quality,
they're not the same.

Speaker 5 (20:12):
That's all I can say. Something changed.

Speaker 13 (20:14):
You know what changed when they used to have a
local office here when I first started doing the show
with you.

Speaker 3 (20:20):
They do you mean a local actual factory? Well, I
don't know.

Speaker 13 (20:24):
About a factory, but a local sales office here, and
they were very good at responding.

Speaker 5 (20:30):
Right.

Speaker 3 (20:30):
Well, we had we had some good people that.

Speaker 5 (20:33):
Work there, and they're not there anymore.

Speaker 3 (20:36):
So anyway, we got to take this break three oh
three seven to one three talk seven one three eight
two five five, and then we'll talk about other problems.
But let's call Champion and see if we can get
somebody out there to honor their warranty.

Speaker 5 (20:50):
Now I don't know.

Speaker 3 (20:51):
If they're calling themselves a different company because they were
taken over by someone else. Maybe that's the issue, but
we'll find out. Okay, uh three oh three three A
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(22:00):
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Speaker 5 (22:34):
Okay, we're gonna go back.

Speaker 3 (22:36):
We're gonna go to kimnow she has an insurance call
question and we have Brian Burns with us from Compass
Insurance Group and by the way, in general, let me
just say this, I mean Champion Windows. Okay, people want
to know what I mean. People texted me. All I
can say is this. We used to have a guy

(22:58):
named Paul Bono who was a local president.

Speaker 5 (23:03):
They had a factory in town.

Speaker 3 (23:04):
They were very responsive to needs of consumers. They hardly
ever had any trouble or problems. If they did, they
were handled immediately. That deteriorated over the years, and I'm
just going to say it like it is. There is
no point of contact for consumer problems. They're not attentive.
Consumers go unanswered, their quality has suffered. There is no factory.

(23:27):
There's no factory any longer in Denver. Look at I'm
just saying that that's just the way it is. That's
the fact, okay. And we have stats, so we never
used to get complaints, and now we get complaints, and
when we do get complaints, they're never taken care of.
So we have a problem with Champion. I'm just putting
it out there for people.

Speaker 5 (23:48):
Now.

Speaker 3 (23:49):
We have plenty of great companies K and H Home
Solutions for windows, siding, doors, and more. K and H
has what you're looking for. And I'm not All I'm
saying is shop around, folk. You know, I've loved shopping.
K and H has been around for sixty years now,
they're on their third owner.

Speaker 5 (24:06):
But I know the owners.

Speaker 3 (24:08):
I know the owners, and I've known all the owners,
the original one and then Bernie after that, and his
brother Ted and now Lee Diamond and his son. They're
great people. K and H Home Solutions. Okay, another one,
Gravinus Gravina's Windows, Siding, Doors A nine to fifty West
evens Gravinas a great company. We've known Gravinus for more

(24:32):
than twenty five years, I believe on this referral list,
and they do have Gravinus has the greatest windows. I
mean Nick Gravina who took over for his dad, who
took over for his dad.

Speaker 5 (24:42):
It's a family tradition.

Speaker 3 (24:44):
Nick is a genius when it comes to all kinds
of windows and products, windows, siding and doors. And they're
great people. Three oh three Gravinas three to three Gravinas
and then kh KH Windows is kh Windows. So Kim, yes,

(25:04):
what's going on? We have Brian Burns with us from Compass.
Maybe he can answer this if it's an insurance question.
What's happening, Kim?

Speaker 8 (25:12):
Well, A couple of weeks ago, I was at a
stop light and I turned left onto Mississippi Avenue. At
any rate, there was a gentleman coming through the light,
and before I turned, of course, I was stopped and
waiting to turn it, and he stopped for some reason
before he went forward through this intersection, and it was

(25:36):
Valencia and Mississippi. Anyway, I waited for him to go
through this and he stopped three times, but I waited,
not a problem, wasn't moving, So then he went through,
and of course I made my left turn onto Mississippi,
going toward Havana. I say, I was just going to
the grocery store. It was in the morning. I turned

(25:58):
on to Mississippi, and unbeknownst to me, that gentleman did
an entire U turn in the middle of the intersection
and came back and cut me off.

Speaker 5 (26:10):
Who got hit?

Speaker 8 (26:12):
Nobody got hit on that I pulled over and I
was fine. He jumped out and came back to my
truck and started pounding on my window for no reason.

Speaker 5 (26:22):
So, okay, so there wasn't there wasn't an accident.

Speaker 8 (26:25):
Keep going, okay, so there wasn't an accident at that point.
So then he was pounding on my window. I just
put my hands up to the window, both hands, and said,
I'm sorry. I don't know what I did wrong. I'm sorry, sir,
and he just kept pounding, and I just sat there
and I didn't have my phone handy to grab to
take a picture or anything or record it. And I

(26:47):
didn't even think about it because I didn't.

Speaker 14 (26:49):
I was scared.

Speaker 8 (26:50):
Yeah, so I And he's just a tall, large white man,
so I went. I just sat there, and he finally
stepped out into the lane of traffic of Mississippi and
walked back to his car.

Speaker 7 (27:07):
Opened up his driver's side door.

Speaker 8 (27:09):
Stood there, just shaking his fist at me. And I
just sat there. And then I thought, you know, I
got to get away. So I put it in reverse,
slowly reversed, and I was in a lane that was
not a traffic lane and Mississippi. It was kind of
a turn lane or emerged lane. So I put it
in reverse. No one was behind me, no one was coming.

Speaker 3 (27:31):
Put it in reverse.

Speaker 8 (27:33):
I backed up, and he stood there, and I thought
I got to go around him, you know, So I
pull out and a woman hit me from behind. I
had a train.

Speaker 3 (27:44):
You know, all that story that you told us, I'm
not sure I, Brian, you're listening.

Speaker 5 (27:48):
Does any of that matter? All that, all those extendiat circumstances.

Speaker 8 (27:52):
I know, probably not.

Speaker 15 (27:53):
I mean, so that's the problem. I mean, I do
feel for you. The guy sounds like he's crazy.

Speaker 3 (27:58):
Now, Kim, you were pulled over at the time, and
then when you you backed out into traffic to take
off right.

Speaker 8 (28:03):
Well, I didn't back into traffic.

Speaker 16 (28:05):
I just backed up straight back.

Speaker 3 (28:08):
But then I.

Speaker 8 (28:08):
Wanted to trying to get around him.

Speaker 5 (28:10):
But who was behind you?

Speaker 15 (28:13):
She pulled into traffic and then the car struck her.
That was coming? Is that right, correct?

Speaker 3 (28:18):
I thought? She said.

Speaker 5 (28:19):
She backed in, she backed.

Speaker 15 (28:20):
Up to kind of give herself space to go, and
then she pulled out and then.

Speaker 3 (28:24):
The car hit her. Okay, got it?

Speaker 5 (28:26):
Got it?

Speaker 15 (28:26):
Did the police come?

Speaker 14 (28:28):
No?

Speaker 8 (28:28):
The police, she convinced me. Well, this lady that hit
me was a single mom, unemployed, but had full coverage.
We both have progressive I have my ability because.

Speaker 3 (28:40):
But it's your fault. No matter how you look at it,
it's your fault. I mean, none of that other stuff's
gonna matter.

Speaker 8 (28:47):
Okay, but somebody said that because I was.

Speaker 3 (28:49):
Hit from behind.

Speaker 15 (28:51):
Yeah, I mean, and usually a rear If you get
hit in the rear, usually that means it's the other
driver's fault. Argue it would be, but you were hold
you'll pull in a moving lane and you pulled it
to traffic.

Speaker 3 (29:04):
So did a police was were the police ever called?

Speaker 8 (29:07):
I called and filed a report afterwards. She convinced me
not to because she wanted to get to pick.

Speaker 3 (29:14):
Up her child at.

Speaker 8 (29:15):
School down the street. As a matter of fact, I
jumped out because I'm a master gardener, took my pruners
and cut away with a plastic part on her tires
so she could drive away.

Speaker 5 (29:25):
But okay, so let me.

Speaker 3 (29:26):
Ask this, So where does it stand right now?

Speaker 17 (29:28):
Right?

Speaker 8 (29:30):
So the insurance company got back to me and they
said I was at fault because I pulled out into
a lane of that's right, yeah, and so but I
was she hit me from behind, she took out my
front quarter panel and my.

Speaker 15 (29:43):
Yeah, but you pulled out in front and you have
liability only you said, so you're not going to have
coverage for your car? Is that what your concern is?

Speaker 18 (29:50):
Right?

Speaker 3 (29:51):
Yeah, you're not going to You're not going to be covered.
I wish I could tell you something differently, but you're
not going to be covered.

Speaker 5 (29:58):
You're just it.

Speaker 3 (29:59):
I mean, from what you're telling us, you pulled into traffic.

Speaker 15 (30:04):
I mean, and I always tell people.

Speaker 8 (30:06):
I admitted that to them too. I mean, I'm being honest.
I did, but I didn't hear to death.

Speaker 3 (30:11):
I know.

Speaker 8 (30:12):
And that doesn't make sense to them.

Speaker 15 (30:13):
It doesn't matter, but well it makes sense, but it
doesn't matter from right standpoints in a sense. I think.
Here's my advice. Usually for people is called the police
when there's an accident, because people's memory and story changes
after the fact. However, in this case, I think you
probably would have gotten the ticket, so I no matter what,
the better you didn't call the police. Now you're stuck

(30:35):
with the damage to your car, but at least you
don't have a ticket on your record.

Speaker 3 (30:39):
Yeah, and I'm hoping and it's good. She never claimed
injuries or anything like that. It could have been way
more serious.

Speaker 8 (30:47):
Right, well, neither airbag went out. It was really neither
of us were going very fast.

Speaker 3 (30:52):
You know how much damage to your car? Kim, Oh
my god? And is it cars? No?

Speaker 8 (31:02):
Not right now?

Speaker 5 (31:04):
So and you were hoping.

Speaker 8 (31:05):
A Master Gardner and it's a truck. It was a
Honda Ridgeline and that's my work.

Speaker 15 (31:10):
Vehicle, and you just imagining it was just too expensive
to put collision on it for you? Is that right?

Speaker 8 (31:16):
I got stolen during the pandemic and I had to
redo it and they totaled it.

Speaker 5 (31:21):
It was already a total car, so it's already totaled.

Speaker 8 (31:25):
Yeah, yeah, it was total, but it was nothing. It
was all surface. They hurt it in the front and
it's an incredible truck.

Speaker 3 (31:32):
Low my land. I wish we had better news for you,
but I don't. I don't see anywhere you're going to
collect from anyone. I mean, there is no there.

Speaker 8 (31:40):
Somebody said I should just call and get some advice.

Speaker 3 (31:42):
Yeah, well, Brian, Brian is Brian is uh objective. He'll
tell you the truth. And right now it's not looking good.
You're not going to collect from her insurance. There's no
way you pulled into traffic. She's driving down the street
and somebody pulled in front of her. She can't be
held responsible for that. TREO three seven one three eight

(32:03):
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(32:45):
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 list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino here, Hey,

(33:12):
get your calls in. Let's end this year with a
bang solving your problems. Jay, what's going on with Excel Energy.
We're here with our experts standing by to help you.

Speaker 5 (33:24):
What's going on?

Speaker 1 (33:25):
Jay?

Speaker 19 (33:28):
I wanted to spark up conversation, so I just left
Denver a while ago and had electricity a problem. I'm
an evergreen now, of course, stopping one of the time
and stop lives. The wind is barely blowing. I have
this weirdest deja avou of COVID. What are they doing?

Speaker 5 (33:47):
What's who doing? What are you talking about? What's who doing?

Speaker 2 (33:51):
Excel?

Speaker 16 (33:52):
You know something?

Speaker 3 (33:53):
You mean? Why are you asking? Why are they going
to turn off the power?

Speaker 14 (34:00):
The wind's barely blowing.

Speaker 19 (34:01):
We're used to wind.

Speaker 5 (34:02):
It happens, it's barely blowing. Okay, got it.

Speaker 3 (34:05):
Well, I don't think they're going to just turn it off,
willy nilly.

Speaker 5 (34:09):
I think they wanted.

Speaker 3 (34:10):
To be able to turn it off to affect repairs quicker.

Speaker 19 (34:14):
They already did.

Speaker 7 (34:15):
It's off, it's off.

Speaker 5 (34:18):
Wait a minute.

Speaker 19 (34:19):
It's a minor breeze.

Speaker 5 (34:21):
Minor wait a minute, it's off where you are?

Speaker 20 (34:24):
Yeah, huh.

Speaker 3 (34:27):
I wonder why, though, you know, you know that is
a that is a good topic. Why are they turning
off power to preempt How does that does that prevent problems?

Speaker 13 (34:37):
Tom will turning it off because of the fire danger.
They're afraid that with the wind some power lines will
be blown down and start fires since we've had so
little rain, And the feeling is that being preventive rather
than repairing after the fact.

Speaker 5 (34:54):
All right, but it just doesn't I don't know anyway.

Speaker 13 (34:58):
That's on their public services announcements that they're you.

Speaker 3 (35:02):
Know, I have been checking. I have been checking the
wins in Jay's right. It's not that windy out right now.
We're not having Pete Guss that they expected, So I
don't know.

Speaker 5 (35:15):
Maybe they're doing it.

Speaker 3 (35:19):
Yeah, Jay, I can't tell you. I don't know the reason.
I mean, they say they're being preemptive. So you know,
what can you do? I mean they're in charge. I
don't know what. I don't know what kind of criteria
they have to use to turn power off.

Speaker 5 (35:39):
I don't know.

Speaker 3 (35:40):
But will you know what? We can call them and
ask It would be a good question. I you know,
you've brought up COVID and and I want to Yeah.

Speaker 12 (35:50):
Yes, they paid out over the Boulder fire.

Speaker 9 (35:54):
I mean I think they just paid out what like
five hundred million dollars because of that at fire. I
have a feeling you're going to be very careful these days.

Speaker 3 (36:03):
Ah, very good observation.

Speaker 21 (36:07):
Mark.

Speaker 3 (36:08):
We have more coming up on the Troubleshooter Show.

Speaker 5 (36:10):
Get your calls in.

Speaker 3 (36:12):
I also want to know about the best holiday movies
and the best deals you have found coming up on
the Troubleshooter Show. Go with a sure thing Denver's Best
roofer Excel Roofing dot com.

Speaker 5 (36:27):
You don't pay a cent until you're content.

Speaker 3 (36:32):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance. Pay too much your coverage at dozens of
insurance companies find out now three O three seven seven
to one help.

Speaker 5 (36:43):
You'll think you're his only customer.

Speaker 3 (36:45):
When you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three three
nine two zero sixteen twenty two.

Speaker 2 (37:02):
You don't have come.

Speaker 4 (37:06):
Run in just as fast as you can. Shooter's gonna
help come.

Speaker 3 (37:11):
Man Dix is the Troubleshooter Show. No Tom Martine, Hey,
I'm Tom Martino. Welcome to the show. It's insurance stay today,
so I may as well put that out there. You
can call and get an insurance check up anytime you want,
but we like to emphasize them on insurance Day. So
if you call Compass, uh ask for an insurance checkup.

(37:35):
Three oh three nine nine six nine thousand. Three oh
three nine nine six nine thousand. Brian Burns, Compass Insurance Group.
We were talking about insurance checkups one time, and I remember,
do you know there is a there is a way
to automate this process. Are you gonna do that where
people can go online and answer questions?

Speaker 15 (37:54):
And yeah, well we have it set up now. They
go on to our website and they have a couple
of choices. They can upload their declaration pages if they want,
or they can actually just we have a new system
where if they know their idea and password for their
insurance company, they can simply type that in and it
will pull the deck pages over to us. So we're
trying to make it as easy as we possibly can.

(38:16):
And once we have that, then we can start shopping
around and look for a better option.

Speaker 3 (38:21):
But if people call and want to get started three
oh three nine nine six nine thousand ran.

Speaker 9 (38:27):
Do you do the same for like when I had
my automotive shops, we had garage keepers and then you know,
workmen's come. Do you do the same for business customers
as you do and reshop each year to see if
there's better coverage for them?

Speaker 1 (38:43):
We do.

Speaker 15 (38:44):
Yeah, the process of getting quotes is a little more
in depth just because there's a lot more information.

Speaker 5 (38:49):
Can you give them an idea for an insurance check up.

Speaker 15 (38:51):
Well, I mean it's not going to be that quick
of a turnaround. It's just harder to get quotes. It's
not an automated system like where we can get a
bunch of quotes, you know, right away, in real time
commercial quotes. It takes on a writing, It takes actually
discussing with insurance carriers and a lot more information.

Speaker 9 (39:07):
What's the most not the name of the people by
any means or the business, but what's the most coverage
you have in place?

Speaker 12 (39:15):
Right now?

Speaker 9 (39:16):
You have anybody with like twenty million in liability or
what's that look like?

Speaker 3 (39:21):
Oh? That that's a good question, Like what are some
of the big liabilities?

Speaker 5 (39:26):
What would they be caused for for?

Speaker 9 (39:27):
And then same with residential like someone like what's a
big residential home these days in Denver metro Is there
homes out there ten million dollars or what?

Speaker 22 (39:38):
Oh?

Speaker 15 (39:38):
Yeah, yeah, we have one right now that we recently
wrote in Aspen. So obviously where it's at is a
lot of the cost, but it's it's just shy of
fifteen million on the dwelling.

Speaker 12 (39:53):
And what is that run? What is that run per
year for them?

Speaker 15 (39:57):
Roughly over seventy thousand.

Speaker 3 (40:00):
Oh my god.

Speaker 15 (40:02):
Yeah, insurance that seems a little up balanced seven. It's
a high fire risk, so it's it was a difficult
policy to even find. I mean, we had to work
pretty hard to get insurance on it. So fifteen million dollars. Uh, No,
it's a carrier, you wouldn't. It's one of these non admitted.

Speaker 12 (40:24):
The Waddy Warbucks insurance company.

Speaker 3 (40:27):
I get it.

Speaker 15 (40:27):
Yeah, exactly. It's one of those those kind kind of policies.
So commercially, some of the biggis I.

Speaker 12 (40:34):
Don't know about. But he just made me feel like
a broke son of a bitch man.

Speaker 3 (40:40):
Hey, so listen this, uh, this question came up. I
know you have some d I have one here that
just texts to me. Someone says their house has gone
up in value at what point? And whose responsibility is
it to rewrite insurance? And when do you not get
caught being under In short, you know, that's a good question.
Whose responsibility is it? And people, this is what we're

(41:03):
talking about, a lot of people purposely under insure their
home because they feel like they're never going to have
a total loss or it's going to be so few
and far between. In other words, they figure if they
if their house is worth let's just say two million
or one whatever, just use whatever number you want. Like
their house is worth a million, they ensure it for

(41:23):
five hundred thousand because they figure no roof, no claim
will ever come up to five hundred, so they're always
going to be covered. And the only time they'd get
stung is if they lost their entire house and instead
of a million, they'd get five hundred. But what they
don't understand is when they purposely underensure, the insurance company
will hold them responsible for half of the claim if

(41:44):
you're half under insured.

Speaker 5 (41:45):
It's called the co insurance penalty.

Speaker 3 (41:47):
So if you, under that scenario, had a house that
was truly worth a million, and you insured it for
five hundred thousand, and you knew better if you had
an insurance claim on a roof that was seventy thousand,
they only pay half of it because you're only half
insured for the house. That's called the co insurance penalty.
But whose responsibility is it? Whose responsibility is it to

(42:11):
make sure.

Speaker 12 (42:13):
That and anybody in Boulder?

Speaker 5 (42:15):
Yeah, whose responsibility is it?

Speaker 15 (42:17):
So here's how it works. First of all, you need
to look at your policy language because different companies have
different rules on when you know you need to notify
them of changes to your home. But what about just appreciation, Well,
appreciation is going to fall in again look at your policy,
but in most cases that's going to fall in the
insurance company because you need to know if you have
extended replacement costs. That's what's important is that you when

(42:41):
you write a policy or when you get a new policy,
you want to max out the extended replacement costs because
it's inexpensive. You want to try to maximize that. So
some carrier, some carriers will offer only twenty percent extended.

Speaker 2 (42:54):
So if you have a.

Speaker 3 (42:54):
Five hundred thousand dollars home, yep, and you would ensure
it for five hundred thousand, then have a rider for.

Speaker 15 (43:02):
If it was a twenty percent rider, that'd be an
extra hundred thousand of the extended, so they would pay
a max of six hundreds.

Speaker 3 (43:08):
What point, though, do you do a rider and not
just up the insurance amount?

Speaker 15 (43:12):
Well, because it's much less expensive, Why no, by that?

Speaker 5 (43:15):
But when are they supposed to up the amount?

Speaker 15 (43:17):
The only reason that most insurance companies would require you
to up that or do a new cost estimator is
if you make a change to your house. In other words,
let's say you finish your basement, you need to notify
your insurance because that's a material change to your home
and they need to update the replacement cost in turn
update the dwelling amount. But if it's just going up

(43:38):
because the cost of constructions going up, the insurance companies
that's their responsibility. And you'll see they have inflationary increases
every year. It may not keep up with inflation.

Speaker 3 (43:48):
So if you don't make a change, Am I hearing
this correctly? If you do not make a change to
your house, you're under no obligation to reinsure it.

Speaker 15 (43:58):
That's right now. The key to that, though, is for
your own sake, you want to make sure you have
extended replacement costs. Some policies don't have it at all,
so you're only cutting your own throat on this. If
you're not going to update that dwelling limit, you're bound
by the dwelling limit. There's no extended You want to
make sure that the onus is on the insurance company.
We write everybody we can to the highest limit, whether

(44:20):
it be fifty percent extended or one hundred percent. We
have a couple of carriers that are uncapped replacement cost,
and then it's on them. The onus is on them.

Speaker 3 (44:30):
Now, can an insurance company come back and say, your
neighborhood has changed so much over the years, we want
to do a new policy more. You'll not increase we
want to increase it. We want to increase the dwelling limbit.

Speaker 15 (44:43):
They could, but they could only do that at renewal.
But it's not a I don't see that very outen.
What they could do is file with the insurance commissioner
to increase their inflationary amount. If let's say they're basing
it on a ten percent increase and maybe they're saying
that's not near enough, we want to raise it by
thirty percent. They would have to get through the insurance
commission in order to do that.

Speaker 3 (45:04):
So when we go to get insurance, who decides the
dwelling limit.

Speaker 15 (45:08):
The insurance company's cost estimating program. So whenever someone comes
to me, I enter all the information about the house
into that particular carrier's estimating program. Whatever it is.

Speaker 5 (45:18):
Doesn't everyone use the same as activate.

Speaker 15 (45:21):
Most of well, it's not exactly. That's more of a
commercial use one. But mark life with beck Is who
most of them use. So they you enter that information
in it comes up with the value. But I'm telling
you it does vary. I've got some insurance companies that
will require let's say a million dollars where another one
might do seven to fifty. It's just I'm using their formula.

(45:43):
But then I make sure the onus is on the
insurance company to the best of my ability to have
to pay the claim of something happens.

Speaker 3 (45:51):
Okay, so you have a cost estimator for the dwelling,
and then are the contents automatically part of the dwelling?

Speaker 15 (45:58):
Yeah, on most carriers it's a person. It's either fifty percent,
sixty seventy percent.

Speaker 3 (46:03):
Does not count special scheduled stuff, No, right, when do
you know you have to hold you something when you
have on the scheduling mark just on the scheduling, and
then I'll act ask how do you know when you
have to schedule above and beyond normal percentage?

Speaker 15 (46:20):
So certain items need to be scheduled because there's limitations
within a policy. Specifically, jewelry would be the one that
comes to mind every policy on a home owner. It's
a very limited amount of cover. And then art artwork
is not necessarily but the reason why you schedule artwork first,
it's very inexpensive. Secondly, you can establish a value, whereas

(46:43):
if you don't establish a value, you very well might
get less than what you were hoping.

Speaker 9 (46:48):
All right, Mark, Well, a couple things. One, I didn't
understand that beginning what you were saying.

Speaker 2 (46:54):
Tom.

Speaker 9 (46:54):
So, if I purposely underinsure, Brian, if my house is
worth a million, and I only ensure to eight hundred
and I have a claim that's one hundred thousand for
a hail damage, I'm only going to get fifty.

Speaker 2 (47:06):
You're not.

Speaker 15 (47:07):
He's talking about if there was a co insurance penalty.
That's how it would work.

Speaker 5 (47:11):
Yeah, you would get it.

Speaker 12 (47:12):
That's hard.

Speaker 3 (47:13):
I don't understand if you purposely some people miss h
when they go to ensure their house, they lie about it.

Speaker 15 (47:21):
That would be the key is that you're actually putting
fictitious numbers in there, as far as let's say it's
a five thousand square foot house and you're saying, no,
it's only two thousand, Well.

Speaker 9 (47:30):
Okay, And that's what brings up The second question is
when you put me with whomever it was at the time,
I mean they came out. They even came inside and
looked at our cabinets and.

Speaker 3 (47:41):
They looked at everything. That's pretty common.

Speaker 15 (47:44):
That is, if a home is over a certain value,
they'll do an interior exterior inspection. If it's under a value,
they'll still do an exterior A lot of times they'll
drive by, but.

Speaker 12 (47:55):
Especially like very well, if you're in a fire area.

Speaker 15 (47:58):
Yes, exactly, but it doesn't always catch whether you know,
it's not going to know if a basement's finished. But
so it's just important you know that people are looking
at their application and making sure that they're because they're
the ones signing off on this.

Speaker 3 (48:11):
In one of my houses, they pulled out like measuring
tapes anywhere. They were measuring rooms and they were measuring fireplaces.
I mean, it depends on how much you're ensuring for. So,
so the point is, once you get the value, you
don't have to change the value unless you do something
different to your house.

Speaker 15 (48:30):
Right, you make a change to your.

Speaker 3 (48:32):
Home, then the honest onus is on the insurance company.

Speaker 15 (48:35):
Yeah, as long as you are reporting when things are
done to your house, the onus is on the insurance company.

Speaker 5 (48:41):
So if you got new windows, would that be something
you would.

Speaker 15 (48:43):
Have not really not necessarily, because you're you're replacing windows
that were already there, the already replacement okay.

Speaker 3 (48:51):
So it's only if you are doing something that let's
say you're making an addition, okay, or you're finishing a basis.

Speaker 5 (49:00):
Changes the nature of the home. We got, we got
to take this break.

Speaker 3 (49:03):
Three oh three seven one three talks seven with three
two five ive Speaking of homes. The guaranteed lowest price
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I want you to listen to me. Shopping is good, okay,
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(49:26):
four two thousand. Go with a sure thing Denver's Best
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Speaker 5 (49:35):
You don't pay a cent until you're content.

Speaker 3 (49:41):
Time for an insurance check up, free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine zero sixteen twenty two. Okay, I'm Tom Martino,

(50:06):
your troubleshooter three zero three, seven to one three talks
seven one three eight two five five.

Speaker 5 (50:12):
So we've established that when you get.

Speaker 3 (50:15):
An insured amount an insured amount on your home, that
you're good to go, and you do not have to
really re evaluate that house.

Speaker 5 (50:26):
That's up to the insurance company.

Speaker 3 (50:28):
The only thing you're obligated to do is to inform
your insurance company of changes made to the house. It's
primarily the structure or design that would increase or the
value is that isn't that right?

Speaker 15 (50:42):
Brun Yes, yep, if you have made a material change
to your home that increases the value, specifically, like I said,
not necessarily replacing a window because and it's already replacement costs.

Speaker 5 (50:52):
And I'm going to tell you guys something.

Speaker 3 (50:54):
Somebody just text us saying I didn't know I had
to schedule jewelry, I had to schedule certain things. You
don't see what Brian is saying is this and correct
me if I'm wrong. Brian on a homeowner's policy. You
only schedule things that where you don't want to accept
the limit. Yeah, But more than that, there's like, for example,

(51:15):
if jewelry has a limit that's right of a certain amount.

Speaker 15 (51:18):
Yeah, let's do thousand dollars.

Speaker 3 (51:20):
And if you can live with that, you do have
to schedule and.

Speaker 15 (51:22):
Of course not yeah, of course not.

Speaker 3 (51:24):
And only schedule when you want to go beyond the limit,
that's right.

Speaker 15 (51:27):
Yeah, I just meant to say that it's there is
a very specific limit for jewelry and and that's why,
and in what we were just talking off air, is
the limitation for these things are for theft. So if
your jewelry is stolen, if your guns are stolen, these
are limits are done. But if the whole place burns down,

(51:48):
fire is not limited. It's part of your personal property
at that point. So it's obviously most common that it's
stolen or lost, like your jewelry in this case, and
that's where the limit comes into play.

Speaker 3 (52:02):
Okay, did you have a question, Yeah, Brian, just a ship,
thank you, Just to shift gears for a moment.

Speaker 10 (52:08):
I have a condo policy and I'm in the middle
of a claim right now because a unit above me
leaked and caused an enormous amount of damage. Now that
guy up there, he went into hiding for several months,
So I make an insurance claim on my own policy.
Once that gets resolved and paid out, should I expect
increases in my two things? Should I expect number one

(52:30):
increases in my premiums? Because now I no longer.

Speaker 23 (52:33):
Have a blemished claim record and are other insurance companies
when it comes time to replace SAMFAM going to be
less interested in me because I now have a claim good?

Speaker 3 (52:44):
So the bottom line question, because I have a text
just like that, what's they've heard of chargeable offenses with
auto insurance? He's asking is that chargeable against him?

Speaker 15 (52:56):
So both your questions are yes, it's going to be
a chargeable claim and it will make your neighbor. But
we know what this more difficult?

Speaker 10 (53:05):
He just said, It will also make it more difficult
for me to shop for insurance.

Speaker 5 (53:08):
It's his it's his neighbor's problem.

Speaker 15 (53:10):
But is it here? You and I have dealt with
this a million times when there's a leak, and I
don't know your situation to be. At times when there's
a leak in a condo type situation, it doesn't matter
if it originated from your neighbor, if it wasn't negligence
that caused it. In other words, there's a pipe in
the floor that started leaking, that's not his fault, belongs

(53:33):
to him.

Speaker 5 (53:33):
It's these faults either.

Speaker 15 (53:35):
No, but it's a claim. Let me show you what
the insurance is paying out.

Speaker 1 (53:38):
Let me tell you why I think it is his fault.

Speaker 10 (53:40):
His unit was vacant, and according to our maintenance guy,
it looked like could have been vacant for months. So
there was a flood in the kitchen. They're still not
sure what actually flooded. But had the guy not been
negligent and being gone so long, he would have stopped
it before it damaged by unit by turning off.

Speaker 15 (53:58):
The water, the water that kind of thing.

Speaker 10 (54:00):
So does that make a difference in the context of
answering my question?

Speaker 15 (54:04):
Do you think your insurance company is going to subburgate?

Speaker 1 (54:06):
They already told me they're going to.

Speaker 15 (54:07):
Okay, so it depends if they're getting money, then at
least it's an explanation. But it's still gonna affect you.
It's going to be on your record no matter what.
So I'm gonna have an ongoing monetary law. Yeah for
how long? How many years?

Speaker 1 (54:19):
Years? Oh my god, I'm so I'm going to go
after this d bag.

Speaker 5 (54:23):
Wait right now.

Speaker 3 (54:24):
That's a good point, and that goes beyond your scope
as an insurance broker. But I wonder if d would
have a claim against his neighbor for increasing the cost
of his insurance.

Speaker 1 (54:34):
I guarantee you I'm going to have that claim, and.

Speaker 5 (54:37):
You're gonna have that claim. I wonder how it's gonna work.

Speaker 3 (54:40):
Yeah, it's interesting because you're claiming the reason I'm being
surcharged is because of you. Then he what if he
uses Brian's explanation is I wasn't negligent, but you're saying
he was negligent.

Speaker 1 (54:53):
Yeah.

Speaker 10 (54:54):
The unit had been left unoccupied for such a long
time that I actually think I.

Speaker 5 (54:57):
Should have turned his water off one he left.

Speaker 10 (55:00):
No, he should have had should have made arrangements for
somebody to come in and check on those. He has
a certain duty of care to his neighbors to make
sure there isn't a failure that causes this kind of
widespread damage.

Speaker 5 (55:11):
I would love it.

Speaker 3 (55:12):
I want to get duty of care. I want to
get John Fuller on. I'm interested to hear what he was.
I want to ask John Fuller about duty of care.
Get him on if you can, because that Dimitri is
bringing up a really good topic.

Speaker 5 (55:25):
What is the duty of care?

Speaker 3 (55:26):
If they breach that duty of care, do you then
have a damage that they that you can go after
because they breached their duty of care and therefore you're
paying more insurance as a result of it. Really good
questions to me, Thank you, tom So. On the topic
of insurance, I have a text here people, and this

(55:48):
is a really good one.

Speaker 5 (55:48):
People want to.

Speaker 3 (55:49):
Know to what extent do they have to take inventory
or have an inventory list in their home? You know.
I think about it like I'm looking over at my
drums right there, and I'm looking over at my extra
size equipment, and I look inside my entertainment room in
different places, my my son's little studio here. I don't
have a clue what's in there, but it would be

(56:09):
a devastating loss if something happened.

Speaker 5 (56:12):
So we'll talk.

Speaker 3 (56:12):
About inventory and how to keep it, if you need
to keep it, and what is expected or does it
help you whether it's expected or not. Threeho three seven
to one three eight two five five Denver Region dot
Com we talk about them all the time. To stosterone replacement,
hair replenishment, which I had done and people will tell

(56:35):
you right Brian in my liner might die my hair
huh I had. It's amazing I had that stems out.
But also remember painful joints and tendons. Denver Region dot com.
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 5 (56:55):
You don't pay a cent until you're content.

Speaker 3 (57:00):
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 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 three three seven

(57:22):
one three talk seven on three two five five. Let's
get John Fuller on. John Fuller is a personal injury attorney.

Speaker 5 (57:28):
We use all the time.

Speaker 3 (57:29):
To talk about liability and duty of care and negligence,
and he's our expert.

Speaker 5 (57:34):
Although he's an.

Speaker 3 (57:35):
Auto mainly auto accidents and personal injury to people. But
This is a good topic anyway, John, and we want
to get your legal mind on this. So Dimitri owns
a condo and the guy above him left town and
the condo flooded and it caused about seventy thousand dollars

(57:56):
worth of damage to Dimitri. Dmitri's insurance. He's going to
be fighting it with his insurance, My own insurance. Yes,
Dmitri's going to be fighting it with his own insurance
to get it covered. And when I say fighting it,
they know they're liable. It's just the amount. So let's
just say. Bottom line is he's going to have a
claim counted against him for water loss and other damage.

(58:19):
So now Dmitri's sitting there with a loss on his record,
and Brian Burns from Compass Insurance Group says, they're going
to charge that against you in the next five years.
You might pay twenty percent more on premium for the
next five years.

Speaker 10 (58:32):
As he said, it will make it more difficult for
me to find an alternative insurance company.

Speaker 3 (58:36):
Well, if you want to try to get out of
paying that extra money and you thought you could get
a new policy, the new policy will ding you as well. Well.

Speaker 10 (58:43):
He said, I'll actually have limited choices. Now, some insurance
companies won't touch me.

Speaker 3 (58:47):
Now, Okay, that's that's right. So now, Dimitri, no matter
how you look at it, is looking at a personal
loss in addition to the insurance loss. He's going to
have an out of pocket loss now for five years,
for five years of x amount of dollars. He wants
to know. Can he go after his upstairs neighbor for

(59:09):
a breach of duty of care or whatever you would
call it, because Dmitri's claim is that the guy upstairs
was negligent. It's not just an act of God, but
he was negligent.

Speaker 1 (59:20):
By leaving town for months at.

Speaker 3 (59:21):
A time without making what without making a rag.

Speaker 10 (59:27):
The management company told me that the leak had been
going on for a very very very long time. His
place is trampletely and that's because he's been gone for
months and wasn't there to notice the leak and do
something about it before it caused all this other damage.

Speaker 5 (59:41):
Did you ever talk to the neighbor personally?

Speaker 1 (59:42):
Yeah?

Speaker 5 (59:43):
Does he feel like he did anything wrong?

Speaker 10 (59:45):
No, he is just an argan d bag and he's
very upset with my insurance company's lawyers contacting him.

Speaker 1 (59:52):
He feels that's my fault.

Speaker 3 (59:53):
Yeah, so Dmitri's insurance company is going to subrogate against
the guy. But John, what do you think about Dmitri's
claim against the neighbor himself for additional out of pocket?

Speaker 14 (01:00:06):
Okay, if you want me to just net it out.
My assessment is no, Mark Jr. Is not going to
be able to recover from his upstairs neighbor for that
for that loss. And here's here's why I think. Number one,
the losses are very speculative. There's no way that you're

(01:00:28):
going to be able to satisfy the burden approve to
show that you lost X number of dollars with this
speculative claim that something is harder than it was before
and that you're going to have limited choices. That's just crazy.
Brian can say that in his in his opinion, you know,
rates may go up, but you're never going to get
an insurance company to quantify that that particular loss that

(01:00:50):
they were fully reimbursed on a subrogation claim was the
result of a twenty percent rate increase.

Speaker 5 (01:00:58):
Hold on, hold on, hold on. They won't admit that.

Speaker 15 (01:01:00):
Brian, I could eat well, John, and I obviously respect
your opinion on this as definitely better than mine. I
just didn't know, but I would say that I can
easily do a quote with and without the claim and
show the difference in premium.

Speaker 14 (01:01:14):
Yeah, but you're not going to be able to put
that in as the expert qualified, and you know, I
don't think that will pass the burden of proof to
get it in the door, Honestly, I don't. I think
those losses are speculative. The other issue, though, is really
one of duty, and I don't know that that's a
foreseeable loss such that he had a duty to show

(01:01:37):
up month after months to make sure that nothing's leaking
so that God forbid or drop, the water doesn't go
through the roof and impact the units below Dimitri's included.
I don't know. I don't practice in this area of law,
but I just think that that might be a little
bit far of a reach to say that that's a

(01:01:58):
foreseeable issue such that his failure to show up is
in fact negligence making him responsible. So on both of
those levels, I think the foreseeability of the of the
loss as well as the the you know, really.

Speaker 12 (01:02:16):
Breach slippery breach of duty.

Speaker 14 (01:02:19):
No, the slipperiness of quantifying and proving your damages. I
think that combination is going to make it very difficult
for Dimitri to succeed. But you know, I don't practice
in this area. I could be wrong. I'm sure Dimitri's
gonna file it and prove us all wrong. But that's
just my take off the top of my head that

(01:02:39):
it's it's maybe a little bit far of a reach,
and you know, and and and just not something that
you're going to be.

Speaker 3 (01:02:45):
Well, yeah, because you the way you outlined to John
is very clear. He has two prongs. One is was
the guy negligent or did he owe him some duty
of care? And two was the addition is the additional
cost to direct result of that? And can you actually
quantify that? So he's got two burdens approval?

Speaker 12 (01:03:06):
What what question do you have though, Junior?

Speaker 1 (01:03:10):
Well, that was my question, Tom Tom Tom sum that
I picked and I.

Speaker 10 (01:03:19):
Forget it because he's just like Mark Okay, No, no,
he called me John Junior.

Speaker 5 (01:03:24):
John Jr.

Speaker 12 (01:03:25):
No, No, no, no Mark or Mark did Mark?

Speaker 1 (01:03:29):
Okay? Just all right, thank you for question.

Speaker 5 (01:03:33):
Connecting the dots.

Speaker 3 (01:03:35):
It's not always that easy to connect the dots. What
if the h O A had a requirement that when
you leave town you have to do something, and he
didn't do it.

Speaker 14 (01:03:43):
You know, even that might satisfy the duty. I don't
know that I've ever seen an h o A set
of decks and bylaws that say, as a condition of
owning this property, you have to physically say put in it,
you know, and you know every three weeks. I mean,
that seems like that would be over the top, and
that would never that would never pass muster.

Speaker 10 (01:04:03):
So mark one last thing, my own insurance policy, and
Brian tell me if this is common. It specifies that
I'm going if I I cannot be away from my
home for an extended period of time or else I
won't be covered for damage.

Speaker 1 (01:04:16):
Have you ever heard of this?

Speaker 15 (01:04:17):
There's certain items within certain perils that will not be
covered if the home is vacant for more than sixty days. Specifically,
vandalism and water damage could apply, but only if you
didn't maintain heat and the pipes froze. So that wouldn't
that be proplicable?

Speaker 14 (01:04:35):
Here there you go, that wouldn't come in here.

Speaker 2 (01:04:37):
I don't think so, No, I don't think so.

Speaker 14 (01:04:39):
I mean, it's a tough claim. I mean, we deal
with this all the time, and I have clients that you.

Speaker 2 (01:04:44):
Know, we that's what we do.

Speaker 14 (01:04:46):
We make claims against insurance companies all day, every day
in my practice, and many of those claims that you know,
in my own my own life. I mean, we had
a tremendous set of hail damage claims many years ago,
and all states swore up and down that they would
never raise the rates because oh, that's a catastrophic loss

(01:05:07):
and it would be illegal, and we can't raise our
raids and blah blah blah. But the next year, my
insurance doubled and their only response was, well, we didn't
raise the rates, we just recategorized the entire area, and
so unfortunately your insurance doubled. Yeah, so yeah, listen, there's
there's no way that you can come back. And I

(01:05:27):
think there's no way that you can truly get the
necessary proof to hang a rate increase on a specific
act of a third party. And maybe Brian can make
his computer, you know, estimating software, frank out a different number,
but I really think getting the insurance company to come
in and say, yep, that's what we did is going
to be very difficult.

Speaker 15 (01:05:48):
Well, and to your point John, if I was able
to provide anything, it would be a one year deal.
I can't go two, three, four or five years in
the future and give accurate numbers.

Speaker 5 (01:05:58):
It'll be fun to follow this along.

Speaker 14 (01:06:01):
Yeah, and let John.

Speaker 5 (01:06:03):
I appreciate you being here as you are for this
call in all year.

Speaker 3 (01:06:07):
And that's anyone who wants to call John about personal jury,
of course, and auto accidents he would happy to discuss.
He's happy to discuss your case. And then, of course
he works on a percentage fee basis. If you do
want to hire him, there's no obligation. He will talk
to you right up front. Three oh three five nine
seven forty five hundred go with a sure thing Denver's

(01:06:33):
Best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up
free no obligation comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find out Now
three oh three seven seven to one help. You'll think
you're his only customer when you choose Frank Durand the

(01:06:55):
real estate Man dot com to list your home with
Remax Alliance three oh three nine who zero sixteen twenty two. Hey,
I Tom Martino, your troubleshooter with Major Mark Major on
and off through the morning. Here he's getting ready to
take off for a week or so. Hey, Kathy, what's

(01:07:17):
going on with your grandson?

Speaker 2 (01:07:18):
Hi?

Speaker 5 (01:07:18):
Kathy, what's happening?

Speaker 3 (01:07:20):
Hi?

Speaker 2 (01:07:21):
Hi?

Speaker 17 (01:07:21):
Well, my husband passed away in twenty twenty three, and
my grandson was very close to us all the time.
He's always been in trouble his whole life. He was
in prison, he was in he was in prison for
stealing credit cards, and he was in all kinds of
other institution type things. He was in this place called

(01:07:44):
Third Way because he was on cocaine, and the counselor
said that he probably could never really get off of
it because he had taken so much of it. He
just is a troubled person. And then his father passed
away from drug as well. So anyway, he wanted to
move in with me. He asked me twice if him

(01:08:07):
and his girlfriend and her daughter, Oh.

Speaker 5 (01:08:10):
God, me go do it?

Speaker 3 (01:08:12):
What a recipe for disaster exactly?

Speaker 17 (01:08:15):
So I said, I was really sorry, but no, that
just wouldn't work. Well, he was very upset about it.
He asked me twice, and then he just started stealing
everything in my house. So when he was in prison,
he met some guy there that he knows about making
keys and all of this stuff. He said that this

(01:08:37):
guy would make any key for him and he could
get into any house he wants to. He said he
has tools in his car from this guy that he
could get into any house. So anyway, wait, wait, so.

Speaker 5 (01:08:50):
Did your grandson.

Speaker 3 (01:08:52):
Did your grandson basically tell you that that I can
get into your house if.

Speaker 5 (01:08:57):
I want to?

Speaker 17 (01:08:58):
Yes, Oh, yes, he is.

Speaker 3 (01:09:00):
He kind of like blackmailing you, saying, if you don't
do what I want, I'm going.

Speaker 5 (01:09:03):
To take it anyway.

Speaker 17 (01:09:05):
Well I guess I could take it that way. Yeah, definitely, Yeah, yeah,
because he's just been stealing everything from me.

Speaker 14 (01:09:12):
Money.

Speaker 5 (01:09:12):
Well, hold on, how.

Speaker 3 (01:09:14):
Does he steal from you? Does he break in or
does he use these keys?

Speaker 17 (01:09:19):
Well, I'm not quite sure. That's the whole problem.

Speaker 3 (01:09:21):
I'll give me something he's stolen him.

Speaker 5 (01:09:25):
Give me some stuff he has stolen.

Speaker 17 (01:09:28):
He has stolen money, jewelry, like wine. We have a
wine cellar. My husband was really he loved wine and
he always was in all these wine clubs.

Speaker 2 (01:09:39):
And so does he admit he's stealing from you.

Speaker 5 (01:09:41):
Does he admit it?

Speaker 8 (01:09:43):
Oh?

Speaker 17 (01:09:43):
No, he's he's he's really good at being a fraud.
In fact, he tells other people that he just wants
to be a family, but he's he's a sick person.
He's he's stealing from me. He pretends that he's just
this perfect person and that he just wants to be
a family.

Speaker 1 (01:10:02):
Kathy, has have you changed your locks yet?

Speaker 17 (01:10:06):
I have, I've changed several.

Speaker 5 (01:10:08):
I'm wondering if it's really happening here.

Speaker 3 (01:10:10):
Here's the thing, Kathy, seriously, now don't I don't mean ah,
how are you positive that this positive? Yes?

Speaker 17 (01:10:20):
And that's the problem because that I called the police
and they can't do anything because I can't get him
on camera because this buy was over, because I wanted
them to check all the cameras and stuff, and they
said that he has to be getting in with a jammer.
They said he had no say.

Speaker 3 (01:10:38):
Kathy, Kathy, maybe give me something that was obviously stolen,
something that was in your not money, but something that
was there and it's not there anymore.

Speaker 17 (01:10:52):
Something that was there and it's not there's.

Speaker 3 (01:10:54):
An obvious not money, but something obvious that he stole
from you. What was that? Give me something?

Speaker 17 (01:11:02):
Um, there's just he steals everything. He steals, even steals
my clothes, my shoes.

Speaker 5 (01:11:11):
Okay, hold on, Hold on a second, Kathy, Hold on mom. Okay,
there's there's a lot of.

Speaker 3 (01:11:18):
Stuff going on here.

Speaker 5 (01:11:19):
Hang on, Kathy Pain, We're coming up. I'm Tom Martine
three O three seven one three A two.

Speaker 3 (01:11:25):
Five five Go with a sure thing Denver's Best roofer
Excel Roofing dot com.

Speaker 5 (01:11:34):
You don't pay a cent until you're content.

Speaker 3 (01:11:39):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 4 (01:12:00):
Yall ripped up.

Speaker 14 (01:12:07):
Needed by so you don't have them.

Speaker 16 (01:12:12):
Come running just as as as we can.

Speaker 4 (01:12:16):
Shooter's gonna help come.

Speaker 18 (01:12:18):
Man Dix is the Troubleshooter Show Now, Tom Martinez, Yeah.

Speaker 5 (01:12:26):
I'm here to help you, and I love doing it.

Speaker 3 (01:12:30):
Going on forty five years recovering hundreds of millions of
dollars in cash, merchandise exchanges, refunds, and services. Major Mark
Major with me, and we are taking your calls as
we wrap up this year. What is the best holiday
movies ever made? We'll get to that in a second. Here,
Kathy's got a serious problem. And I know she didn't
call to get preached to for me. I did some

(01:12:52):
looking into these jammers. There are no jammers for Wi
Fi cameras, so and security cameras, so cat the if
he's not on camera. I have to Kathy, your your
grandson is not jamming cameras. There are no jammers for cameras.

Speaker 17 (01:13:11):
The only there are order them on Amazon. You can
actually give you Amazon okay, if you look it up
on Amazon.

Speaker 5 (01:13:19):
So you think he.

Speaker 3 (01:13:21):
Okay, you think that's what he's doing.

Speaker 17 (01:13:23):
That's what he's doing on there that people buy them
to criminals buy them to get into houses undetipted, and
they had it on YouTube all the time of of
well people, here's the thing broken with with jammers.

Speaker 3 (01:13:42):
I don't think your grandson, I don't. I'm not saying
you're making it up. I think you truly believe it.
But I don't think he's breaking in to do this.
I mean, there's what's in it for him.

Speaker 5 (01:13:50):
What's in it for him?

Speaker 3 (01:13:52):
Money?

Speaker 17 (01:13:52):
Wine?

Speaker 5 (01:13:54):
How much?

Speaker 3 (01:13:54):
How much money?

Speaker 17 (01:13:56):
A lot of money, lot much money. The wine isn't cheap.
It's like three hundred and some dollars a bottle.

Speaker 5 (01:14:02):
How many bottles are missing? How many bottles are missing?

Speaker 17 (01:14:05):
Three hundred probably three hundred.

Speaker 5 (01:14:08):
Three hundred bottles.

Speaker 17 (01:14:10):
Yes, there was a line. There's a line cellar, and
that's what he does. He just steals everything out of there.

Speaker 3 (01:14:17):
Yeah, and he he goes so far as to use
these Wi Fi camera blockers.

Speaker 5 (01:14:24):
Yes, okay, well what about the police.

Speaker 17 (01:14:30):
You should look them up? What about the police, Well,
they can't do anything unless you have him on camera.
That's why the only reason I called is.

Speaker 3 (01:14:38):
By the way, by the way, there there there are
no jammers. Okay, you say there are, but there are
no jammers. There are jammers, but they're they're very sophisticated,
and you don't buy them. You don't buy them on
to break into people's houses.

Speaker 17 (01:14:53):
So you can, you can look it up.

Speaker 5 (01:14:55):
I don't show me, show me where they are.

Speaker 3 (01:14:58):
Show me.

Speaker 5 (01:14:59):
I'm what's the name of them?

Speaker 3 (01:15:01):
I'm looking it up right now, there are no there
are no Wi Fi camera jammers.

Speaker 17 (01:15:05):
No, just look up jammers on at Amazon. Look up
jammers and what they do is they jam the alarm system.

Speaker 12 (01:15:13):
Hey, what kind of clothes did he steal from you?
Were they like fur coats? Or what are we talking
about here?

Speaker 17 (01:15:19):
Just just close. I don't know if he gives them
to his girlfriend, or maybe his girlfriend comes with him.

Speaker 3 (01:15:24):
I don't know.

Speaker 17 (01:15:25):
All I need. All I need to know is just
how to catch him. I just want to know how
to catch him. So do you know anybody or do
you well?

Speaker 3 (01:15:33):
First of all, I don't believe so his motion detectors
and all of that, he gets by all of that,
he does well if he's that sophisticated, the answer is no,
I don't know anybody. No, he'll out smart them. Because Kathy,
here's the thing, Kathy, you lost your husband. You're going
through a traumatic part of your life. I don't think

(01:15:54):
your grandson is stealing from you. I think you're imagining it.
How about how about get easy?

Speaker 5 (01:16:02):
You're imagining it.

Speaker 3 (01:16:03):
I don't I don't doc Hold on a second, please,
I don't mean.

Speaker 5 (01:16:06):
I don't mean to insult you. I don't mean to
insult you, but you have all the ear markings.

Speaker 3 (01:16:12):
Well, I'm sorry, but I think you're imagining it. And
a lot of older women who are alone. Okay, all right,
I'm not alone, But you don't have one. You don't
have any shred of truth that you don't have one
shred of evidence that he's doing this. He can't be
that sophisticated where he jams up every system you have

(01:16:33):
in your house to get three hundred bottles of wine
and money.

Speaker 17 (01:16:38):
Well he did.

Speaker 12 (01:16:39):
Don't hire a private investigator to follow him.

Speaker 17 (01:16:42):
Okay, Well, who's a good one. I don't know who
to hire. I've been thinking about that, but I don't
know who to hire because you have to make sure
you get somebody reputable. And I don't know.

Speaker 5 (01:16:53):
I know that's true.

Speaker 3 (01:16:55):
We do, we do.

Speaker 5 (01:16:56):
We do have some reputable people. We have some reputable people.

Speaker 2 (01:17:00):
We used to you know. Let me.

Speaker 3 (01:17:01):
I got to think about this, and Kathy, I don't know.
I just so, how often does he come into your place?

Speaker 16 (01:17:10):
Well?

Speaker 17 (01:17:10):
I don't really want to say, because you don't believe me.

Speaker 5 (01:17:13):
I mean, it's fine, I don't believe you.

Speaker 3 (01:17:16):
I don't think you're lying, though, I don't think I
don't think you're lying. I don't want you to think
I think you're I don't think you're lying.

Speaker 5 (01:17:24):
You're right.

Speaker 3 (01:17:25):
I think you believe it.

Speaker 5 (01:17:26):
I really think you believe it. I don't think you're
lying at all.

Speaker 17 (01:17:30):
Do you want me to send you a picture of
my wine cellar before and after? Yes? I am a lying,
There is.

Speaker 5 (01:17:37):
No yes, I do want you to here, Hey, Tom?
And where what kind of money?

Speaker 2 (01:17:42):
Wait?

Speaker 3 (01:17:42):
Wait dog, what kind of money is it cash that
you keep somewhere?

Speaker 7 (01:17:46):
Well?

Speaker 17 (01:17:46):
It was cash? Yes, it was in a big o
coke bottle, this big, big, big coke bottle, probably three
feet high, four feet high, and it was just all quarters.

Speaker 3 (01:17:57):
And about about how often does he do it?

Speaker 17 (01:18:01):
Okay? I'm not I am not saying because you don't
believe me. So can I just get the number for
the private detective that you would like to recommend? Because
obviously this conversation.

Speaker 3 (01:18:13):
I want to ask sus Sue, Yeah, you're right, it
isn't sus Do we know any private don't we? I
want to ask Susan for one. What we'll have to do,
Kathy is get your number and call you back with it.

Speaker 12 (01:18:24):
Hey Tom or Tom?

Speaker 13 (01:18:26):
Yes, attorneys they must know a good private investigator.

Speaker 9 (01:18:31):
I don't want to waste in her money. This is absurday, Yeah,
it really is. I don't want to make fun of
her either. Kathy, I'm sorry. I don't think we can
help you.

Speaker 5 (01:18:42):
I really don't. I call the police, and the police
ought to be able to track this down.

Speaker 3 (01:18:46):
If he's breaking into your home repeatedly, taking three hundred
bottles of wine, big bottles of coins and money and
all of that, he's that they should be able to
do it. And Kathy, I'm sorry that you're having this
issue with your grandson.

Speaker 17 (01:19:03):
Yes, I'm very sorry too, And I'm sorry that I
thought maybe you could help me. I didn't know that
you were going to do this to me, or I
wouldn't have called.

Speaker 5 (01:19:13):
No, well, we're not doing anything to you. I really
believe you're sincere.

Speaker 3 (01:19:17):
I'm not.

Speaker 5 (01:19:19):
I just don't agree with you.

Speaker 17 (01:19:20):
Believe that I'm sincere. It is happening, It's not okay.
There is nothing wrong with me. There is nothing wrong
with my brain with him.

Speaker 5 (01:19:29):
I'm not saying there's anything wrong with you.

Speaker 17 (01:19:32):
Well, no, So why would I be making this up
or why would I be imagining it?

Speaker 12 (01:19:37):
I don't know the problem really is kind of listen
to me for a second.

Speaker 9 (01:19:42):
Yes, there are jammers out there that like you know,
the Russians and the CIA and people have in right,
but even so, but hold on. Even so, when you're
looking at the actual video, which I assume you're recording,
it doesn't make people just disappear.

Speaker 5 (01:19:58):
It either scrambles or kills the signal.

Speaker 17 (01:20:01):
So were you seen right it scrambles, yes, it does.

Speaker 3 (01:20:05):
Yes, well, then send us.

Speaker 12 (01:20:06):
The video and we're on board.

Speaker 3 (01:20:09):
You can see the camera going off and then coming
back on. And there's spaces of time missing.

Speaker 17 (01:20:16):
I suppose there are. I never looked for spaces of
time missing. I'm only looking.

Speaker 3 (01:20:20):
Well, that's that's what happens. That's what happens with a jammer.
I mean it jams it. You would see it being jammed.
Here's the thing though, you think they're just available, and
they're not. You can't, like you you'd have to jam.
Do you have motion detectors in your home as well?

Speaker 17 (01:20:39):
I have ring camera, so I have ring camera and
ring alarm.

Speaker 2 (01:20:43):
So I had and it jams.

Speaker 5 (01:20:44):
It jams that too. He jams that too.

Speaker 17 (01:20:47):
You can look it up. You can look up ring
cameras and you can look up. Let's see what's the
other one. There's another one, Jim, you know, look at you.

Speaker 6 (01:20:56):
Okay, so you can have them.

Speaker 3 (01:20:58):
We can look up anything you want.

Speaker 17 (01:21:00):
They they don't they don't detect people using jammers, even
ad t They they said, if you get their system,
they actually have an anti jamming thing. So if somebody
tries to jam it, they like are notified right away
and then they'll notify the cops. But so there are jammers,

(01:21:24):
and they do jam alarm systems. It's a wellness.

Speaker 3 (01:21:28):
And yeah, but he doesn't jam everything all at once
to get in there. And he's not going through all
that effort. I'm sorry.

Speaker 5 (01:21:36):
So you know you can't convince the place hold.

Speaker 17 (01:21:39):
Up against the house and jam.

Speaker 3 (01:21:40):
It's no, it's not that easy.

Speaker 5 (01:21:44):
And and and and Kathy.

Speaker 3 (01:21:46):
It would show up, Kathy, it would show up on
the video as being interfered with.

Speaker 5 (01:21:52):
It would show up.

Speaker 3 (01:21:53):
You would see some kind of if there truly was
a jammer, which there isn't, if there truly was, it
would be you would see it. Okay, thank you to Kathy.

Speaker 5 (01:22:03):
Kathy. Listen, I wish you the best. I wish you
the best. I really do.

Speaker 3 (01:22:07):
And I mean that sincerely. I do wish you the best.
I'm sorry you're having these issues. You said you have
other people in your lives. Have you had other people
try to help you find him or catch him?

Speaker 17 (01:22:18):
Yes, people are helping me all the time.

Speaker 5 (01:22:20):
But how are they helping jams it?

Speaker 17 (01:22:23):
Okay, he likes steak out the house, but that's impossible
because you can't steak out the backyard too. They do
all kinds of difference.

Speaker 12 (01:22:32):
About How about your grandkids? The parents? I mean, what
do they say about this?

Speaker 3 (01:22:37):
Yeah?

Speaker 5 (01:22:37):
Your your son or daughter who has this?

Speaker 17 (01:22:39):
U the father father has passed away?

Speaker 16 (01:22:43):
His father?

Speaker 5 (01:22:44):
Okay, all right, I'm sorry I didn't know that.

Speaker 17 (01:22:47):
Yes, right, he passed away from drugs.

Speaker 5 (01:22:50):
Yes, oh that's right, you said that.

Speaker 3 (01:22:52):
That's right.

Speaker 5 (01:22:53):
Yes, it comes from a line.

Speaker 3 (01:22:55):
I don't from a line of it.

Speaker 17 (01:22:57):
I wasn't in that line. I have never taken drugs
in my life.

Speaker 2 (01:23:00):
Yeah.

Speaker 17 (01:23:01):
So yeah, okay, anyway, Well, Kathy.

Speaker 5 (01:23:04):
I'm sorry, and I yeah, what what would you like
us to do?

Speaker 3 (01:23:08):
Well?

Speaker 17 (01:23:08):
I just want you to look it up. Look up, okay,
look up on Amazon. Look up Jammers.

Speaker 3 (01:23:14):
I did.

Speaker 17 (01:23:14):
I did see it right there, and.

Speaker 5 (01:23:16):
And there aren't any I've loved it.

Speaker 17 (01:23:18):
There aren't any No, there are, yes, there are Okay,
all right, all right.

Speaker 3 (01:23:22):
Thank you, I'll see you, Kathy. There are no jammers
on Wi Fi by the way, folks, and uh, the jammers.
Look at Mike. You have a comment on jammers. Go
ahead and feed her paranoia. Go ahead. Yeah, they carry
them around all the time and they use them all
the time. That's why these porch pirates, that's why they
don't use them because they could just buy them on Amazon.

Speaker 5 (01:23:41):
Go ahead, Mike, what's your comment?

Speaker 2 (01:23:44):
Hey? Thanks, guys. Hey, I dealt with these jammers a lot.
I have three sitting in front of me there. They
are real. If you do go on Amazon search the
author watches D E A U, T H O R watches.
They the two point four gig hurts. They don't affect
five five G and they will shut off everybody's everything

(01:24:09):
that you swinge you can do, even.

Speaker 3 (01:24:11):
The motion detector and everything everything in the house.

Speaker 2 (01:24:15):
Anything two point point gig hurts, it will shut off
for ten minutes.

Speaker 3 (01:24:20):
Okay, but we're talking about a security system in a house.

Speaker 12 (01:24:24):
We're not wet to see the hole in the video.
How does that work?

Speaker 3 (01:24:28):
Mike?

Speaker 2 (01:24:29):
Yes, you will see the flash. It just depends on
the system. It will either cut out time or you'll
see like like still images of a person walking by.
But if you get the correct one, you can totally
eliminate all of that. And they're only sixty dollars on Amazon.
It's called a d offer watch and they are highly
legal to use unless you have permission by the owner

(01:24:51):
of whatever system you're trying to do.

Speaker 3 (01:24:55):
Yeah, okay, thank you. I'm sure that. I'm sure that.
Look at the ones that you're looking at. I'm looking
at all of these that you're talking about, and they
don't work the way.

Speaker 5 (01:25:06):
As smoothly as you think they do.

Speaker 3 (01:25:08):
It's the grandson doesn't just turn it on and it
goes away and and seamlessly shows everything and he's able
to get in and break in. But it's okay, okay,
Bob's got another comment. Let's get them all. Let's get
all the whack jobs in one in one segment. Here,
go ahead, Bob, what about you, bob him?

Speaker 21 (01:25:28):
Yeah, there are you can there are yeah jams the
whole Wi Fi.

Speaker 3 (01:25:38):
Yeah, So what does that have to do with what
does that have to do with a motion detector or
a camera.

Speaker 21 (01:25:44):
Well, if your WiFi looked up to your WiFi is
hooked up to your your security.

Speaker 3 (01:25:49):
What about your motion detector? What about your motion detectors? No,
it is not. My motion detectors aren't hooked up to
the Wi Fi.

Speaker 21 (01:25:59):
Well, you might be hardwired in through your landline or something.
But if you've got a land if you've got a
Wi Fi system, and you've got your your security system.

Speaker 3 (01:26:09):
So here, I'm going to make somebody a bet that
you get your jammer and come to my house with
my security system on, and I will guarantee you you
won't be able to come into my home and leave undetected.

Speaker 5 (01:26:21):
I'll guarantee it. I will guarantee it.

Speaker 21 (01:26:25):
If you're on a landline, I agree, and I've had
landline security systems. But if you're hooked up through a Wi.

Speaker 5 (01:26:31):
Fi like a no, I'm even saying.

Speaker 3 (01:26:33):
I'm even saying with my Wi Fi, you will not
come in undetected. There will be some break in time,
or there will be some interference shown.

Speaker 5 (01:26:41):
It will not be seamless that you will.

Speaker 3 (01:26:44):
Have you used them, Bob, I have not used it.

Speaker 21 (01:26:48):
I have not used a jammer, but I've seen, Uh,
there's a there's a couple of different guys on online that.

Speaker 3 (01:26:53):
Are very yeah, good luck, and I've seen Hipoponymus is
smoking dope. I've seen all kinds of stuff online. Thanks, Bob,
I appreciate it. Now, we're not going to feed this paranoia.
Look at of course there are sophisticated things. There are
all kinds of jammers and all kinds of things. Her
grandson is not going through the trouble of jamming. This

(01:27:14):
and that other guy said, and if you buy the
right kind, it's totally undetected. I'll guarantee you it's not undetected.
I'll guarantee you that any of you callers cannot get
a jammer and undetectedly come into my home without being
some interference shown or break in time or something. It's
not going to happen. It's just not going to happen. Now,

(01:27:36):
I know that you can buy stuff so sophisticated. I
imagine the FBI, the CIA, I imagine there are things
out there we don't know about.

Speaker 5 (01:27:46):
But her grandson doesn't have it. That's the point I'm
trying to make.

Speaker 3 (01:27:49):
Her grandson's not taking something out of Amazon and going
into her home undetected and jamming up the whole security
system is just not okay.

Speaker 5 (01:28:01):
And that one guy that said he had three in
front of him, what is the use them for? What
is the use him for?

Speaker 3 (01:28:07):
Anyway, we got more coming up on the Troubleshooter Show.
Is the Paranoid Hour. Join me right after this go
with a sure thing Denver's Best roofer Excel Roofing dot com.
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(01:28:29):
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two zero sixteen twenty two. Martino here for those who

(01:28:54):
call the show. By the way, I don't see any
jammers here. I mean I'm looking closer and I don't
see anything. Not one jammer. And even if there was
a jammer, you're not going to have a jammer that
you put up against the side of a house and
a blackout blacks out the Wi Fi and the security
system and everything. And I defy anyone to show me

(01:29:14):
one and come to my house. I don't want you
to come to my house because you're a nut, but
I want you to show I want you to show
me a demonstration where it can blackout Wi Fi. It can't,
and now it can it mess up Wi Fi. Yet
there are some. I have not found one yet, but
I've heard of some that you carry in your pocket.
You can press the button that'll temporarily disrupt. But nothing

(01:29:35):
that will make you invisible, nothing that will make the
timeline seem seamless. Nothing it'll you know. First of all,
I'm talking out of school here because I haven't even
found that one. But I've heard of those. I've heard
of ones that will make burbles in your Wi Fi
or jam up your WiFi or your cell phone signals.

Speaker 5 (01:29:55):
I have heard of those. I have not seen one.

Speaker 3 (01:29:57):
And by the way, I am on am and there's
not one thing called d off watch or anything.

Speaker 5 (01:30:03):
Why why jammer.

Speaker 3 (01:30:05):
I've looked at everything I can and I don't see
any of them. Okay, now you try, but I don't
see that.

Speaker 9 (01:30:11):
But the FCC strictly prohibits the manufacturing, importing, sale, marketing, operating,
possession of I mean, if you did happen to have
one and you got caught, you're going to federal prison.

Speaker 3 (01:30:27):
I'd like to show someone that they and if they do, listen,
even if they do make jammers, because Wi Fi is
not that hard to screw up.

Speaker 5 (01:30:36):
We screw it up all the time when we even
don't when.

Speaker 9 (01:30:38):
We don't want to give everybody an idea of an
actual legal jammer you can have if you've ever been
to a comedy club and they put your phone into
one of those little bags that will jam it.

Speaker 3 (01:30:49):
Yeah, Well, and even if you could jam the it's
not going to do what she thinks. It's not going
to sit at the side of the house and block
out the entire security system and every camera. It's not
going to do it. They wouldn't be powerful enough. And
people just dream this stuff up. And then these guys
have the nerve to call me and say, look on Amazon.

(01:31:11):
While I'm looking, I don't see one.

Speaker 5 (01:31:13):
Do you see one. I don't see one.

Speaker 2 (01:31:15):
Not one.

Speaker 3 (01:31:15):
Mark's been searching. I've been searching. I've not seen one.
Not one jammer on Amazon. So I want you so
much to show me the jammer.

Speaker 9 (01:31:25):
Wait yeah, wait ahead, wait wait I found one for
two dollars on TIMU.

Speaker 3 (01:31:31):
Okay, now, Danielle, I'm sorry for the way, Danielle, what's
going on? Hi?

Speaker 14 (01:31:38):
Okay?

Speaker 24 (01:31:38):
So I called back in June about me wanting to
break my leaves due to a lot of problems with roaches,
no heat during the winter, no hot water, and you
invited me to just email them and say I would
like to break my lease.

Speaker 3 (01:31:54):
So they you know, and I gave you a whole
I gave you a whole process on how to do it.
It was called the the Warranty of Habitability Act.

Speaker 5 (01:32:02):
But what happened, well, they.

Speaker 24 (01:32:05):
Agree, said let me break my lease.

Speaker 3 (01:32:07):
There good.

Speaker 24 (01:32:08):
Now they have new management.

Speaker 8 (01:32:10):
And now I have.

Speaker 24 (01:32:11):
Seventy five hundred dollars in collections of what I owe
to the company.

Speaker 5 (01:32:18):
Which wait, wait a minute. You said they let you.

Speaker 3 (01:32:20):
You said you moved into an apartment in November and
they've had terrible cockroach problem. And then she said she
pays a monthly pest control fee. And this was June
sixth And all I said was there was a process
through the Warranty of Habitability Act, or you should just
ask them and they.

Speaker 5 (01:32:40):
May let you out.

Speaker 3 (01:32:41):
So you're claiming they did let you out, but now
they're changing their.

Speaker 24 (01:32:45):
Mind yep, months later, And.

Speaker 5 (01:32:50):
So do you have do you have anything in writing
that let you out of the lease? Do you have
any proof that they let you out.

Speaker 3 (01:32:56):
Of the lease?

Speaker 24 (01:32:58):
I do, and I emailed that to them, and they
are now telling me that I don't have enough evidence
to break my lease, even though.

Speaker 9 (01:33:05):
Well don't even I wouldn't even worry about it at
this point.

Speaker 12 (01:33:08):
If you have something an email, if they come after
you and.

Speaker 9 (01:33:11):
Serve you, and you show up to court, you've got
everything you need to prove to the judge.

Speaker 5 (01:33:17):
D after you called us back then, what did you do?
By the way, what did you do?

Speaker 24 (01:33:25):
I left, I moved in with my mother.

Speaker 3 (01:33:27):
In law and you just left.

Speaker 5 (01:33:29):
Did you did you do any letters?

Speaker 3 (01:33:31):
Did you do anything like with the Warranty of Habitability Act?

Speaker 5 (01:33:35):
Or did you just leave?

Speaker 3 (01:33:37):
Oh?

Speaker 24 (01:33:38):
I let them know that I was leaving.

Speaker 8 (01:33:39):
I gave them a day.

Speaker 24 (01:33:40):
They worked, We worked with that, and now their new
management is saying that it's not going to work and
they're going to keep the charges in collection.

Speaker 5 (01:33:49):
How much?

Speaker 3 (01:33:49):
Okay? So when you left, when you left there, did
you do the actual warranty of habitability and all of that.
I mean, I I can't go back in time and
see what you did. But you said they agreed, So
you have an email that says okay, or what what
is the email where they agreed?

Speaker 5 (01:34:09):
What does it say?

Speaker 24 (01:34:11):
The email says okay. So I emailed them and I
was like, I would like to break my leaves with
no charges. And then the previous management was like, that's fine,
I can do that. Give me the date and the
time that you move out and I will I will
handle it. And I said okay. So I gave them
a date in the time and then she goes to
email me when you when you have left.

Speaker 16 (01:34:31):
So I did that.

Speaker 24 (01:34:32):
I emailed him and said I am.

Speaker 5 (01:34:33):
Leaving, okay, and you have all you have all of
these emails right right?

Speaker 16 (01:34:39):
Yes?

Speaker 24 (01:34:39):
And I sent them all of this information and they're
still telling me that that's not enough evidence that I
am still required to pay the seventy five.

Speaker 1 (01:34:48):
Hundred dollars Did they keep your deposit?

Speaker 15 (01:34:51):
By the way, they did.

Speaker 3 (01:34:55):
How much deposit did they keep?

Speaker 24 (01:34:58):
Well, it was twenty five hundred dollars. But I went
through a secondary company, so I wasn't going to get
that back.

Speaker 5 (01:35:04):
Anyways, okay, And and how much do they want from
you now?

Speaker 24 (01:35:14):
Five hundred and twenty two dollars and some change.

Speaker 5 (01:35:19):
And what collection? So what do they say they're going to.

Speaker 3 (01:35:22):
Do about it?

Speaker 24 (01:35:25):
They said, like they're just going to there's already in
collections as of two days ago. It's in collections now.
But I've been trying to get it removed for since
the middle of October, and I've called and called.

Speaker 5 (01:35:40):
Well, what do you mean removed? But they're not doing
anything to you right now, right.

Speaker 24 (01:35:47):
Right, they're not doing anything other than not removing threat.

Speaker 3 (01:35:51):
They're just they're just threatening. There's not much you can
do about that. They're going to threaten you. But you
you know, if you have the email saying it's okay,
go ahead. I don't see what they can do. I
would like Mark said, why don't you just ignore them?
It's too late, you can't go back in time, so
you may as well just see what they do, because really,

(01:36:13):
what else can you do at this point. You've done
everything you could.

Speaker 5 (01:36:17):
You got an.

Speaker 3 (01:36:18):
Email trail, you kept the email trail, and there's not
much else you can do.

Speaker 12 (01:36:23):
They're just fishing or throwing crap on the wall to
see what sticks. That's all.

Speaker 24 (01:36:29):
So what do I do about the balance and collections now?

Speaker 3 (01:36:33):
But what.

Speaker 5 (01:36:35):
Are you doing?

Speaker 9 (01:36:37):
Go ahead, they can't put it on your damn credit
until they get a judgment, and they can't get a
judgment till.

Speaker 5 (01:36:44):
They serve you and bring you to court and win.

Speaker 1 (01:36:48):
Mark, I have to respectfully disagree.

Speaker 5 (01:36:51):
What are they doing to her?

Speaker 1 (01:36:52):
Well, collections accounts go on your credit report.

Speaker 12 (01:36:55):
They don't.

Speaker 9 (01:36:56):
Okay, So you're saying, Dimitri, I can literally report on
your credit report right now through different sources that I
happen to have that you stole or you owe me
twenty thousand dollars without a judgment.

Speaker 3 (01:37:09):
Well, unfortunately there are some bad landlords that do.

Speaker 12 (01:37:12):
I'm sorry. You might be able to do it, but
then you can sue them out the ass.

Speaker 10 (01:37:17):
Right, yeah, right, Like she's going to be able to
she's capable or willing to go sue them from it.

Speaker 3 (01:37:22):
But a lot of landlords have used credit reports in
the past to blackmail their tenants.

Speaker 5 (01:37:27):
That's like saying you need to replace the carpet or you.

Speaker 9 (01:37:30):
Need to do this, And I don't think that's what's
going on. If it's a big apartment complex. They're not
going to be so stupid to commit some form of
credit fraud.

Speaker 3 (01:37:41):
I don't know if it's a big, big that they
might believe, they might believe they're in the right and
that she does owe the money.

Speaker 5 (01:37:48):
Here's the thing, but.

Speaker 12 (01:37:50):
You're missing it.

Speaker 9 (01:37:51):
Even if she does owe the money, you can't simply
report it without having a judgment.

Speaker 3 (01:37:58):
Well, you can report it without a judge, but you
can't collect it without a judgment. She I mean, well,
mark people, it's called credit blackmail. They do it all
the time on fact saying you can't do it illegally.

Speaker 12 (01:38:12):
I say, you supposed to do it.

Speaker 5 (01:38:15):
You're absolutely right.

Speaker 3 (01:38:16):
You're not supposed to do You're supposed to have absolute
proof and you can do it without a judgment because
that don't you remember that time yellow cab had gotten
an accident in a parking lot.

Speaker 5 (01:38:25):
With a woman and said the woman was at fault.

Speaker 3 (01:38:28):
Listen to this. She didn't pay them what they wanted
her to pay in a parking lot. There was no
police called. They wanted her to pay for damages to
the yellow cab.

Speaker 5 (01:38:37):
She's a screw it.

Speaker 3 (01:38:38):
It was your fault, and so they put it on
her credit report, like it was an unpaid bill and
they did this blackmail stuff, so we had to have
an attorney write a letter about slander of credit and
threaten the.

Speaker 5 (01:38:50):
Hell out of them, and they got it removed.

Speaker 3 (01:38:53):
But people try that crap all the time, bad landlords
to try to get carpets, replace get money from tenants.
They put a black mark so they can't rent again. Yes,
it's illegal, but it's hell to fight that. It takes
money to fight that.

Speaker 9 (01:39:11):
In the case is to Dmitri's point, like like credit
cards and other things that when you sign up and
serve or i'm sorry, sign those terms of service. Of
course those guys can if you're late, and it's correct.
But if Visa or MasterCard, for example, was pissed off.

Speaker 3 (01:39:28):
At you and decided to say no, of course sixty
days of course, not your rubble, of course it is.
Of course it is, and most reputable people, creditors won't
do that. But Danielle, the answer is you can't make
them stop. Okay, if they believe they have they have
a bill that's owed to you, they can do what

(01:39:48):
they think. Tell them to open to them, yeah, tell
them to sue you and not to contact you anymore.
You can refuse all contact from them and they have
to honor that. You just tell hell them, do not
contact me anymore about this, and they have to honor that.
Even if she has a pre existing relationship, Do they
have to honor her if she says don't contact you?

Speaker 10 (01:40:10):
Yeah, I mean the federal the FDCPA statue applies to
all kinds of creditors.

Speaker 3 (01:40:15):
We have to take this break. We are so far behind.
Hold on, we got more coming up. Go with a
sure thing Denver's Best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an
insurance checkup, free no obligation comparison call Compass Insurance paying

(01:40:38):
too much your coverage at dozens of insurance companies find
out now three O three seven to seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino, you're a troubleshooter, so

(01:41:01):
I'm still trying to find Let me find my where's
my someone?

Speaker 9 (01:41:05):
Someone on YouTube sent me an article from the Colorado
Centennial whatever that is. Aurora police arrests five Columbian nationals
accused in sophisticated burglary ring. And sure enough they did
find a couple jammers, highly sophisticated. Blah blah blah.

Speaker 12 (01:41:27):
So there you go.

Speaker 3 (01:41:29):
Okay, but you can't find them on Amazon.

Speaker 9 (01:41:32):
Hell no, they'd be Amazon would be in big trouble.
But here like Amazon sold meth.

Speaker 5 (01:41:38):
Here's another thing.

Speaker 3 (01:41:39):
Even with the sophisticated ones, they don't work like people
think they do. They're not seamless. They will show berbals.
In other words, she would have a trace that someone
was screwing with her system. She was saying it was seamless. Lee,
you have a comment, Go ahead, Lee. Let's hear more paranoia,
go ahead, Lee.

Speaker 20 (01:41:58):
Oh ben, while since I've spoken, this would lead the
truck driver.

Speaker 3 (01:42:03):
Yeah, you're the one that said we couldn't break into
your bank account when we did.

Speaker 20 (01:42:06):
Go ahead, sir, you've got an excellent memory. You're the man.

Speaker 5 (01:42:11):
Yes, yes, sir, you are the man.

Speaker 20 (01:42:13):
Uh you know this is just so elementary. The heck,
I've got the ring and all that stuff, but what
I really got, I've got the best jammers in the world.
I've got two German shepherds.

Speaker 14 (01:42:25):
Oh no, and there is no way in hell.

Speaker 12 (01:42:28):
And I got one of those near my house.

Speaker 5 (01:42:31):
Mark's got one of those jammers.

Speaker 17 (01:42:33):
Oh man.

Speaker 3 (01:42:34):
Mark's got a jammer and a yapper. They got he
has both a yep.

Speaker 12 (01:42:38):
Yeah, not to mention a lot of guns.

Speaker 20 (01:42:42):
Yeah, but yeah, you got to have a gun too
to back everything up. But I'm telling you those shepherds.

Speaker 5 (01:42:49):
So I want my wise guys.

Speaker 3 (01:42:50):
I want the wise guys who called the show earlier
to call back and show me because there's not one,
not one jammer on Amazon, not one of them. Not one.

Speaker 9 (01:43:00):
Now, I told you, Tom, if I told you twenty
years ago that I had a contraption that you could
put a card from Direct TV in and get every
station in the world, would you have believed me.

Speaker 5 (01:43:14):
Yes, because you showed it to me years ago.

Speaker 3 (01:43:17):
Okay, yeah, Now, remember there was something else that was
really scary we never got, but Mark, you had back then.

Speaker 5 (01:43:25):
You had access to all kinds of stuff.

Speaker 9 (01:43:27):
Mat I had something that I got. I got something
I got rid of, literally because it scared the.

Speaker 12 (01:43:32):
Hell out of me.

Speaker 3 (01:43:33):
With the traffic lights, with the traffic.

Speaker 9 (01:43:35):
Lights if I know if I activated it, it would
turn the traffic lights.

Speaker 12 (01:43:39):
It would think I was an ambulance or.

Speaker 3 (01:43:41):
I know it. I know it. And man, if you
get caught with one of those holy.

Speaker 12 (01:43:45):
Crell it's not just that. Imagine if you cause an
accident and someone died.

Speaker 3 (01:43:50):
Yeah, okay, we do have to take this break again.
I want to hear from any and all nuts right now.
I want to hear from anyone who has a Wi
Fi jammer. Because the guy bet you.

Speaker 12 (01:44:00):
I believe seats away from you has one.

Speaker 5 (01:44:03):
No I believe. I don't believe it.

Speaker 3 (01:44:05):
I don't believe that anybody, And tell me where you
can find it on Amazon because she can't.

Speaker 5 (01:44:10):
We got more coming right up.

Speaker 3 (01:44:16):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much 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

(01:44:38):
when you choose Frank durand the Real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino,
you're a troubleshooter. We have Brian Burns with us and
we haven't been giving out the number, but we have
an insurance checkups. Well, we highlight the insurance checkup just

(01:44:59):
so you know. The insurance check ups go on all
the time. If you call three oh three nine nine
six nine thousand, it's an unbiased objective look at your insurance,
whether you're underinsured, over insured, paying too much, maybe you
don't have the right coverage, whatever it is, we help you. Okay,
So here's what I want to show. I want to
I want to tell you. We're going to give some

(01:45:20):
live examples of money savings. Now you know they can
save you money about not about eighty percent of the time,
seventy five to eighty percent of the time, and there's
no qualms to tell you if they can't. So you
don't have anything to lose. Three oh three nine niney
six nine thousand. So let's go to some insurance questions
I had texted to the show. One was how often

(01:45:42):
do you have to update the value at home? The
answer is you don't unless you do something to your home.
That was the big one, right yep, your home value.

Speaker 15 (01:45:48):
As So for Tom, what we talked about is if
you don't have extended replacement costs, then you you're going
to want to do that more regularly because you want
to make sure your home is insured correctly, because that's
all you're going to get is whatever willing limit is.

Speaker 3 (01:46:00):
Now, this one says, I always hear replacement costs compared
to actual cash value. Isn't an actual cash value the
cost to replace that item?

Speaker 5 (01:46:11):
I know where this gets confusing.

Speaker 3 (01:46:13):
Actual cash value should actually be called value at the
time of loss.

Speaker 15 (01:46:17):
Yep, exactly. Yeah. So your example about the windows, like,
do you need to update the windows, Well, if it
was an actual cash value policy, then yes, because all
they're going to pay for is what those windows are
worth at the time of loss. They're not going to
pay to replace them with new windows.

Speaker 3 (01:46:34):
By the way, where we got screwed up is with
homeowners insurance. Homeowners is the only insurance that pays actual
excuse me, that pays.

Speaker 15 (01:46:43):
Replace placement costs.

Speaker 3 (01:46:44):
So we got screwed up into thinking everything needs to
be replacement with a home. I predict that eventually you
will no longer have replacement coverage at least on the roof,
and I think that's going that way. We got more
up on The Troubleshooter Show three oh three Martino, go
with a sure thing Denver's Best roofer Excel Roofing dot com.

Speaker 5 (01:47:08):
You don't pay a cent until you're content.

Speaker 3 (01:47:13):
Time for an insurance check up free, no obligation comparison
call Compass Insurance. Pay 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 2 (01:47:39):
Ripped of.

Speaker 3 (01:47:41):
News need so you don't have.

Speaker 4 (01:47:47):
Running as fast as we can show Shooter's gonna help.

Speaker 18 (01:47:52):
Come man, this is the Troubleshooter Show. No Toel Martino, Hi, Tom.

Speaker 3 (01:48:00):
Artino, you're troubleshooter. Welcome to the show. Three zho three
seven to one three talk seven one three eight two
five five.

Speaker 5 (01:48:08):
What's on your mind?

Speaker 3 (01:48:09):
Let's clean out these problems this week and get them
all out of the way.

Speaker 5 (01:48:13):
Right If you have something lingering from this year.

Speaker 3 (01:48:15):
Let me know, I have Compass Insurance Group with me
today Home of the Insurance Checkup.

Speaker 5 (01:48:21):
They're here to help and we're doing insurance check ups.

Speaker 3 (01:48:24):
Of course, I want you to know they do them
all the time at three oh three nine nine six
nine thousand, but we like highlighting them on Insurance Day
to uh, just to give you examples.

Speaker 5 (01:48:34):
Now here's what they do. They look at what you have,
and they.

Speaker 3 (01:48:38):
Look at what's out there and they want to make
sure you're not under insured, or you don't have coverage
that diminished and you don't realize it, or that you're.

Speaker 5 (01:48:47):
Not paying too much whatever. They just give you an insurance.

Speaker 3 (01:48:51):
Checkup on auto and home and then make suggestions. If
they can't save you money, they're the first ones to
tell you that, So call ahead if you want, and
then we'll give examples on the show. You can call
them at three oh three nine nine six nine thousand,
three oh three nine ninety six nine thousand. Deputy Doc
is in the house back at the main studio. Got

(01:49:12):
Deputy d here, I got Brian Burns from Compass Insurance
Group and Susan Mark took off and they're taking off
for a few days for the holidays.

Speaker 5 (01:49:22):
Let's go to Dave. He wants to talk about some issues.
I see two issues here, right, holiday in and Wells Fargo.
What's going on, Dave?

Speaker 7 (01:49:34):
Well, we're just rather confused more than anything.

Speaker 5 (01:49:39):
All right, what's going on?

Speaker 7 (01:49:42):
A nephew's wedding in Three Rivers, Michigan. And we my
daughter and her family, and my son and his family
came and we booked all of our rooms. And when
we talked to the people, they said that the kids
could pay for their rooms themselves. And but then they

(01:50:05):
charged our card for each of their rooms as well
as our rooms.

Speaker 3 (01:50:11):
And then.

Speaker 7 (01:50:13):
When my son got there, they took his card and
they charged him again.

Speaker 3 (01:50:20):
And then, uh, the.

Speaker 7 (01:50:26):
The folio that we got from them said that they
reimbursed us one of the rooms because my daughter then
paid us back for her room.

Speaker 3 (01:50:36):
All right, so let me get this straight, Dave, let
me get us straight. So it was you and two kids.

Speaker 7 (01:50:42):
Uh, it was us and our kids and their families.

Speaker 3 (01:50:49):
Yeah, but but all but but but all I care
about are the numbers. All I care about are the
number of rooms. There were a total of three rooms,
or more correct, three rooms. Okay, that's all that matters.
I don't care about how many kids so so you
had so so basically, then you paid for all three rooms, right,

(01:51:09):
you put them all on your card when you made
the reservation, right, yes, yes, okay, okay, And then they
charged separately your son's card.

Speaker 16 (01:51:26):
Correct.

Speaker 5 (01:51:26):
Yeah, So they got paid twice on that one room, right, yes.

Speaker 3 (01:51:32):
And and when they when they did that, do they
acknowledge that they did that by mistake or are they
saying that you owed that?

Speaker 7 (01:51:43):
No, they acknowledged that they did it by mistake.

Speaker 2 (01:51:46):
The motel did.

Speaker 7 (01:51:48):
And then on the folio they have that they reimbursed
us or what do you mean?

Speaker 5 (01:51:55):
What is the folio? What do you mean by a folio?

Speaker 7 (01:51:57):
But when you check out of the motel, well, they
give you okay thing with all the charges and so on.

Speaker 3 (01:52:03):
And so they sat on the checkout paperwork they indicated
that they credited your card or his our card, okay?

Speaker 5 (01:52:15):
And did the credit never show up?

Speaker 7 (01:52:18):
It never showed up at Wells Fargo.

Speaker 3 (01:52:20):
No, okay. And so what do they say about that?

Speaker 7 (01:52:25):
Well, when we talked to the motel, they say, you
got to talk to Wells Fargo. So we talked to
Wells Fargo and we sent them all the paperwork with
like our statement, and then the polio they call it
from the motel that says that they reimbursed us for

(01:52:49):
one room because my son had I got it.

Speaker 3 (01:52:53):
Yeah, And.

Speaker 7 (01:52:55):
But then we just keep getting bounced back and forth
because wells Fargo says, we can't do anything. You have
to talk to the motel. So then we talked to
the hotel. The motel says we sent them a reach.

Speaker 3 (01:53:07):
Why don't you go straight to your credit card and
forget the hotel? You simply you simply double paid for
a room. I mean, you know, or just say that
the room you didn't mean to pay for it, or
just say that they charge you for three rooms and
you only wanted to pay for two because your son
paid for the other one. Why don't you just tell

(01:53:29):
your credit card company. They're the ones that will.

Speaker 5 (01:53:32):
Take it off.

Speaker 14 (01:53:34):
Okay.

Speaker 3 (01:53:36):
In other words, who's who's the credit card issue?

Speaker 7 (01:53:40):
It's Wills Fargo.

Speaker 5 (01:53:42):
Okay, here's how you do it.

Speaker 3 (01:53:44):
It's really important that you that you put it in
the right terms because they want to keep things simple.

Speaker 5 (01:53:51):
So here's what it is.

Speaker 3 (01:53:53):
You made a reservation for three rooms, your son paid
for one of them, and they still kept all rooms
on your card.

Speaker 5 (01:54:01):
You want to be credited for one of them. It's
that simple.

Speaker 3 (01:54:05):
They will make the adjustment, most likely, because that's how
I deal with it, and then they will contact the merchant.
That's the way to do it. I mean, they're the ones.
They're the or contest the whole charge. They will handle it.
Have you done that with them? Have you explained to
your credit card company exactly what's going on? Yes, and

(01:54:29):
what does your credit card company say you? Well, okay,
then you tell your card Wait a minute, I already
checked with the hotel and they refuse to credit me.

Speaker 5 (01:54:40):
Period. They refuse to credit me, right, okay, I mean,
what is more simple than.

Speaker 3 (01:54:49):
That they have not credited You tell Wells Fargo they
have not credited you, and you defy Wells Fargo to
find the credit. Does Wells Fargo's say the matter is
handled because they credited you.

Speaker 7 (01:55:04):
No, they they say that there is no record of
them sending a credit, right, so.

Speaker 3 (01:55:12):
Then they should credit you. They should do it. That's
what you have a credit card for. Okay, that's why
you have a credit card. You say to Wells Fargo, well,
this is a billing dispute. Then it's a billing dispute
and you have to handle it for me, Okay, I mean,
I mean truly, truly, That's what I would do first,

(01:55:35):
before we get involved and start making phone calls.

Speaker 5 (01:55:37):
Go ahead, Dee, if you have to.

Speaker 10 (01:55:39):
Sometimes I think I think the way Dave explained this
kind of conflates two issues. At first, he was dealing
with Wells Fargo to try to find what happened to
this credit that motel or Holiday Inn Express was supposed
to apply, and Wells.

Speaker 1 (01:55:54):
Fargo said, hey, we never got a credit, right exactly.

Speaker 10 (01:55:56):
So now I would recommend to Dave, just as you said,
it's a billing dispute now, to call the bank Wells Fargo,
and say, hey, I have two rooms, but they charged
me for three, right, so I'd like to dispute a
third of this charge.

Speaker 1 (01:56:10):
Dave. If that doesn't work, I do have a research.

Speaker 3 (01:56:12):
Don't tell them about your daughter. They don't want to
hear about that. All they care about is you have
you got two rooms they charged you for three. Your
son paid for his own room, but they still charged.

Speaker 2 (01:56:25):
You for it.

Speaker 10 (01:56:27):
And tell them if that doesn't work, I do have
a resource deep inside Wells Fargo.

Speaker 3 (01:56:31):
So Dave.

Speaker 10 (01:56:32):
If that doesn't work, please call us back and I'll
follow up with a guy I have inside of Wells Fargo.

Speaker 3 (01:56:37):
That's what I would do first, and then call us
back and ask for d If if it turns out
for Dimitri, Yeah, if it turns out that you're getting
nowhere with Wells Fargo. But make it simple. With Wells Fargo.
You have, you reserve three rooms, your son paid for

(01:56:58):
one of them. You're still being charged for all three
of them. You should only be charged for two of them.
The hotel claimed they issued a credit, but there is
no credit. That's it. That's it. That's your story. And
then you want them it's a billing dispute. You want
them to credit you. Do you have anything Do you

(01:57:18):
have anything from the hotel? Yeah? And if you have
anything from the hotel saying they credited, you send that
along as well. Okay, I gotta take this break three
all three seven, one, three eight two five five. The
guaranteed lowest price, The guaranteed lowest price for your furnace
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Speaker 5 (01:57:39):
Remember prices go up the first of the year.

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Reserve your price now because prices go up for everyone
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zero four two thousand, nine zero four two thousand go

(01:58:06):
with a sure thing Denver's best rufer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation comparison call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven seven one help.
You'll think you're his only customer when you choose Frank

(01:58:28):
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here, Welcome to the show.
Three all three seven one three talk seven one three
A two five five. Okay, So we have Brian Burns

(01:58:51):
with US Compass Insurance Group. We're talking solar and a
lot of other things. Uh, Dimitri, you have a question
for him for Brian, Go ahead, sir, hold on, there
we go, both of you.

Speaker 10 (01:59:01):
Cocky Tom, Brian as you recall I have two auto
policies and an umbrella policy with Compass insurance. Now, if
I am driving a friends or somebody else's car with
their permission, do my insurance policies, all three of those
cover me.

Speaker 15 (01:59:17):
Your insurance is secondary, so the insurance follows the vehicle,
so that's always the primary. So if you let someone
else borrow your car, your insurance will cover them. If
you borrow someone else's car, it's their insurance. It's primary.
But let's say you get into an accident they don't
have enough insurance and they sue you, your insurance will
come over the top.

Speaker 10 (01:59:35):
So you may recall, I maxed out on all the
liability stuff, and then I have an umbrella to amplify
like the uninsured, underinsured, and medical and that kind of
stuff for myself.

Speaker 1 (01:59:44):
So if I exhaust my friends.

Speaker 10 (01:59:46):
Insurance policy, I'm if someone else is gravely injured in
the crash, then I can rely on the rest of
my insurance.

Speaker 15 (01:59:54):
Your insurance will step in and cover you for liability
in that case. Okay, and meet right, your motorists would.
But medical payments doesn't extend on to an umbrella that's separate.
It's it's purely uninsured motorists. So if you're involved with
someone and they're at fault and uninsured or under insured,
then your uninsured motors will step in.

Speaker 5 (02:00:16):
Yeah, that's good to know.

Speaker 1 (02:00:17):
Okay.

Speaker 15 (02:00:18):
Yep.

Speaker 3 (02:00:18):
By the way, if you want to get some calls in,
do it. We got a half hour left of the show.
Three zero three seven one three talk seven one three
A two five five. Again, I'm not getting any people
taking me up on that Wi Fi jammers. The big
Mouth three said they could buy a jammer, and they
have jammers, show me one.

Speaker 5 (02:00:36):
That's all I'm asking.

Speaker 3 (02:00:37):
They're illegal, and they're not available on Wi Fi, they're
not available on Amazon, and when they are available, they
don't work like people say. You don't just slap it
to the side of the house and everything goes blank
and you're able to do everything you want seamlessly. It
is way more unsophisticated than that. While they call them sophisticated,

(02:00:58):
they don't. It's not mission impossible, okay, where they put
up a phony picture or a timeline and it's not
it's not mission impossible. Okay. They're very sloppy. They jam
signals so you can't see things very well. But they
don't erase things, and they just don't exist like people think.
There are so many people who who claim things, but

(02:01:22):
when it comes right down to the actual application, it's
not there. So the two guys that called earlier and
said that you can buy them on Amazon, We've looked
all over Amazon, gentlemen, So I defy you to show
us where you can buy them on Amazon. Okay, Chicken
or what call me. I'll let you come on.

Speaker 5 (02:01:43):
And then when you do say you have them, I
want you to demonstrate them to us.

Speaker 3 (02:01:47):
How's that? Some one of them called back, called back
Kachina and was nasty to her right, Kachina called you
an old lady with a baby voice something and some
other stuff. But yeah, that's not very nice. So anyway,
I have a question with an umbrella that came in

(02:02:08):
through facts, but I just take the code words from
my text.

Speaker 5 (02:02:12):
I mean, one here is umbrella lower limits.

Speaker 3 (02:02:16):
So you can't use an umbrella to just cheat the
company and only buy really low limits and then buy
an umbrella. Aren't there underlimits that are required first before,
like with liability?

Speaker 5 (02:02:28):
If I tell me about that.

Speaker 15 (02:02:30):
Well, yeah, and people sometimes misunderstanding umbrella. Even I get
people always.

Speaker 3 (02:02:35):
Let's talk about umbrellas, but first let me I always
promise callers I'll take them first.

Speaker 5 (02:02:39):
So I got that down.

Speaker 3 (02:02:40):
Let's discuss umbrellas so people understand what they are and
when to buy them. Sometimes you don't need them. You
only ensure for what you're worth. I've said that before. Adam,
what is your question on an apartment lease? Go ahead, Adam, Welcome.

Speaker 5 (02:02:53):
To the show.

Speaker 16 (02:02:55):
Yeah, Tom, Yes, sir, My sister in law, her sister
just move to the state.

Speaker 21 (02:03:01):
All about four or five months ago.

Speaker 16 (02:03:03):
They rented an apartment getting Boulder, and they found out
they're pregnant, so they got qualified and they're actually buying
a house there. They're saying that they cannot get out
of the lease. There's not a provision to break the
lease that they can see. I haven't seen the lease.
But generally, is there always a way to get out

(02:03:24):
of a lease?

Speaker 5 (02:03:25):
No, there's not.

Speaker 3 (02:03:26):
There's not always a way. There's there's not always there's
not always a well, yes, there is always a way.
There's not always a way that's painless. For example, to
get out of a lease. Since there is no involuntary
servitude in this country, you can get out of the lease.
Just simply say I refuse to pay for this lease
any longer and move. Now the question really isn't can

(02:03:51):
I get out of the lease? The question is what
are the repercussions for getting out of a lease? That's
the real question. So what are the repercussions? They are
allowed to collect damages. And here's another little thing. They
can't just sit on the apartment and then refuse to

(02:04:12):
try to rent it out. Okay, So they have to
try to mitigate their damages, meaning they have to try
to rent it out. But your sister or whoever it is,
will be responsible for all losses. Okay. So they'll be
responsible for reletting it out and finding someone advertising it

(02:04:34):
and getting it rented. Okay, So if that takes three
or four months, they would be liable for that three
or four months. Now here's the question, how do you
know if they make a good faith effort to rent
it out and mitigate their loss or not. Because under
every obligation there is, under every contract, there is somewhat
of an obligation to mitigate losses. You're not supposed to

(02:04:57):
just say, well, you're responsible for this, and therefore I'm
not going to do anything. If somebody damages, for example,
a window on your business, you can't just leave it
open and say now you're responsible for everybody who loots me.
You have to make a good faith effort to mitigate
your loss. So in the case of a lease, the
landlord has to make at least some effort to release it,

(02:05:20):
but they will be responsible for loss.

Speaker 5 (02:05:23):
When they meant there's no provision to.

Speaker 3 (02:05:25):
Get out, it means there's no liquidated land, damages, or
there's probably no procedure in the lease to get out
of it. And that's what they mean when they say
there's no procedure or there's no out. There are plenty
of leases that do not have outs, but default is
an out. You know, there's all kinds of outs. The

(02:05:47):
point is what will she be responsible for? So that's
the issue. Is this a landlord you think that is
willing to work with her?

Speaker 2 (02:06:02):
I don't know.

Speaker 16 (02:06:03):
It's an apartment complex up and Boulder, a fairly nice one,
maybe upscale.

Speaker 5 (02:06:11):
So you could also ask the landlord.

Speaker 3 (02:06:14):
You could ask the landlord this, Adam, You could ask
the landlord this, If I bring you a qualified renter,
would you consider them and simply rent to them instead?

Speaker 5 (02:06:25):
And sometimes a landlord would do that.

Speaker 3 (02:06:29):
I mean, I don't see why a landlord wants to
inflict pain if they can get you know, just say, look,
I need to leave, I'm pregnant. We're getting a house.
Can we help you find someone to rent? I mean,
normally people are going to be nice. I mean, do
they have any indication that the landlord's going to give
them a tough time?

Speaker 16 (02:06:49):
Not that I know of, and com by knowledge, I'm
not sure if they've even broach the subject.

Speaker 22 (02:06:53):
With their landlord.

Speaker 5 (02:06:54):
That's what they should do.

Speaker 16 (02:06:57):
They were trying to talk about maybe subleasing on their own,
and I said, that's proba.

Speaker 21 (02:07:01):
No, that's an idea.

Speaker 3 (02:07:03):
No, it's not on many many levels. On many many levels,
sometimes it's not allowed by the least. So if I
were you, if I was her, I would say to
the landlord, here's the situation. It's really too bad, but
we signed now we need to get a house. We
would like to work with you to get this place

(02:07:25):
rented again, so you're not so we can mitigate the loss.
Just say that, because they're going to be responsible for
every month that it's vacant, they're probably going to be
responsible for at least one month of transition.

Speaker 5 (02:07:39):
But whatever it is, it's better to work with the
landlord than not.

Speaker 3 (02:07:43):
And the landlord, you know, I think it's always better
to be just straight and honest about it and say
I want to do this with as little conflict as possible.

Speaker 5 (02:07:52):
How can we work it out?

Speaker 3 (02:07:55):
And just you know, they and it's possible that the
landlord might be a jerk, but I doubt it. Why
would anyone want to purposely be a jerk, especially if
it's easy to rent out. And of course she would
have to be responsible for the cost of renting it
out if there's minor costs involved. So that's and call

(02:08:18):
us back if you have any trouble. But I think
that's the first way I would go. And how long
is the lease, Adam?

Speaker 16 (02:08:27):
My guess is probably ends June of next year.

Speaker 5 (02:08:32):
In June of next year, Okay, Yeah, that's a long time.

Speaker 2 (02:08:35):
Are you into it?

Speaker 14 (02:08:35):
One year?

Speaker 5 (02:08:36):
Yeah? You know, they might they might let them out.

Speaker 3 (02:08:39):
I mean, you know, they might be able to get
more for it right now, So again, talk to them
and then call us back and we'll try to have
some other advice for you at that juncture. Three oh
three seven one three talk seven one three eight two
five five. We have more coming up. We'll talk about
two things, I promise. One is the umbrella coverage. Let's
talk out exactly what it does, who really needs it?

(02:09:03):
And then inventory. We talked about it, but we never
really explained what inventory do you need? Is it a
good idea to have it? And all of that coming
up on the Troubleshooter Show three o three seven one three.

Speaker 5 (02:09:15):
Eight two five five.

Speaker 3 (02:09:16):
Frank Duran, the Realestateman dot com will do a market
analysis of your home for the asking. If you're wondering
what will my house self wear on the open market.
He'll do it free of charge, no obligation. He'll take
into consideration the neighborhood, the comps supplying demand, interest rates,
and give you a great idea of what your house

(02:09:38):
will sell for.

Speaker 5 (02:09:39):
It's all free with no obligation.

Speaker 3 (02:09:41):
Three oh three nine two zero sixteen twenty two Frank
durand the real estate Man dot Com. Hi, Tom Martino here,
three 're seven to one three talk three oh three

(02:10:02):
seven one three eight two five five. Phil, you have
a question on a cemetery plot. Go ahead, Phil, what's
going on? Man? Hey?

Speaker 22 (02:10:10):
Tom, thank you for taking my call. I'm wondering about
the cemetery plots through a private vendor. The cemetery wants
like fifteen thousand dollars for a plot, and I got
a family that's trying to sell one and they want
half of the cemetery price. What do I need to

(02:10:31):
be aware of.

Speaker 14 (02:10:31):
Before I do that?

Speaker 22 (02:10:32):
I know there's a transfer fee, but is there something
that I need to be looking into before I purchased this?

Speaker 3 (02:10:39):
Well, you got to make sure they have authority to
sell and that what you're actually buying. Now, you're buying
this from someone who wants to sell it, and they
want to sell it for half price?

Speaker 5 (02:10:51):
Is it or for way less?

Speaker 22 (02:10:54):
Well, it's way less than what the cemetery actually wants
for this.

Speaker 2 (02:10:57):
Okay, the plot itself.

Speaker 3 (02:10:59):
If I were you, Okay, I'm not familiar with plots,
so I need to ask, is this a deeded piece
of property?

Speaker 22 (02:11:08):
Well, it's sold by the cemetery. So just say I
worked the pass tomorrow and I own that already. My
family can go ahead and bury me there. But now
the owner of that particular lot wants no, I get it.

Speaker 3 (02:11:21):
But does the how is this? Is this a cemetery
owned by the funeral home and they keep a registry
or is this an actually separate deeded piece of property.
Many times what happens is the cemetery the home, I mean,
the funeral home, if that's what they're called. They buy

(02:11:44):
a block of plots and they own them, or they
own the cemetery itself, and they sell them, but they
keep their own record, so it's like a partnership. And
they have about you know, and they sell to twenty people,
let's say, and they keep the record, but all twenty
are held by.

Speaker 5 (02:12:06):
There's no deed to them.

Speaker 2 (02:12:08):
So I need to know that.

Speaker 3 (02:12:10):
That's what you need to find out. If there's a deed,
it would be a transfer like any piece of land.
If it's not a deed, it would have to have
the records of the funeral home who owns it to
reflect it? Who owns the plot? Right now, what do
they actually own? What are they conveying to you?

Speaker 22 (02:12:28):
Well, they're telling me that they own the piece of ground.

Speaker 3 (02:12:31):
Yeah, okay, tell ask them though, what form of ownership
is it?

Speaker 2 (02:12:37):
Okay? All right?

Speaker 3 (02:12:38):
See, if it's a certificate, that certificate could be issued
by the Senate by the funeral home, and that could
literally just be in their internal bookkeeping lex For example,
I bought ten plots, I could resell those ten plots,
and now you own one tenth of my LLC because

(02:13:01):
you bought one plot. But you don't necessarily have a
deeded piece of property. So you need to know the
form of ownership before it can be transferred, because if
the ownership is owned by the funeral home and then
they are just giving portions of the LLC, you need
to make sure that the transfer is recognized by them,

(02:13:25):
Otherwise you'll be paying the owners and they skid daddle
and they own And maybe in the LLC document somewhere
it says that everything reverts back to the Senate to
the funeral home.

Speaker 5 (02:13:37):
Deputy d did you look up something?

Speaker 10 (02:13:40):
Yeah, you know, Tom, I was thinking if I were Phil,
I mean, the first and probably the only thing I
would do is just show up at that cemetery's business
office and say, look, here's the identifying information the seller
gave me on this plot. What's the procedure for transferring
ownership or rights of use from him to me?

Speaker 1 (02:13:57):
They probably deal with this all day long.

Speaker 3 (02:13:58):
That's exactly what I was saying, based on the form
of ownership. They may do it for a They might
handle the transaction for a bit of a commission.

Speaker 1 (02:14:08):
It might also have rights of first refusal.

Speaker 3 (02:14:10):
That's right, that LLC mat See. I don't know how
it's owned, and I don't know how most of them
are owned. I don't think they're deeded pieces of property,
but I could be wrong. So that's the main thing.
You got to ask the sellers what is the form
of their ownership. Is it a sub section of what

(02:14:32):
the funeral home owns or is it a separate deed?
And then call us back if you on as well. Okay,
I know a lot about real esty, all right, thank you?
Three oh three seven to one three talk seven one
three eight two five five. So basically I want to
get through this quickly. Umbrellas, what do we not understand
and when do we need them? Well?

Speaker 15 (02:14:54):
Hold on there you go, cir Some people will call, call,
and you know, they'll say, okay, so I want to
get an umbrella, and I have this impression that it
covers their home in some way. In other words, like
their home burns down. Does that extend over the property.
It doesn't. The only thing an umbrella does is extend liability. Okay,
so if you get sued personal liability, it goes over
your auto and your home. To your point, there's minimum

(02:15:17):
requirements in order to be eligible for an umbrella.

Speaker 5 (02:15:20):
Well, I would think you'd have to max out.

Speaker 15 (02:15:22):
Well, what it is for most carriers is two hundred.
On the auto insurance, you have to have at least
two hundred and fifty thousand per person, five hundred thousand
per accident, and one hundred thousand of property damage liability.
That's the minimum for most umbrellas to even be eligible
to get it. And then on the home it's three
hundred thousand, which almost everybody has. I mean, it is
super expensive.

Speaker 3 (02:15:43):
Once you have the underlying coverage, then you buy an
umbrella that would kick in when.

Speaker 15 (02:15:49):
After those limits are exhausted. So the most common is
on an auto claim, you get into an accident, you
hurt somebody in an accident, and they sue you. Your
auto liability limits are exhausted, your two hundred and fifty
thousand dollars we just mentioned, and then your umbrella sticks
comes in and says, okay, here's an additional million dollars
plus defense.

Speaker 5 (02:16:09):
And how do you figure out what umbrella you should carry.

Speaker 15 (02:16:12):
Well, again, most people have met with financial planners at
that point and that kind of thing. But most attorneys
would give you the recommendation to your point of what
you said, cover your assets, cover what you're worth. So
if you have a net worth of three million dollars,
you should get a three million dollar umbrella.

Speaker 18 (02:16:28):
Right.

Speaker 15 (02:16:29):
It is one of the you know, lesser expenses when
it comes to insurance.

Speaker 3 (02:16:34):
It's not either way what an umbrella think about insurance
like this, when somebody is hurt by you, they have
to make a decision do we take what the insurance
company is offering, or do we have a better chance
going after the individual. And if you're a really rich guy,

(02:16:56):
if you're a Jeff Bezos and you had three hundred
thousand and coverage, well any attorney would say, wait a minute,
I'm going after Bezos because why would I settle for
three hundred grand. But of course you still have to
have a case, you know, and John Fuller has always
told me that you know that, you know, don't go
crazy thinking that an umbrella is everything because you still

(02:17:18):
have to have a case. You can't just sue someone
and expect to get it. But an umbrella kind of
really just sets a safety net under you and or
over however you want to put it. It's a safety net.
It helps you cover yourself. That's why they call it
an umbrella. So an umbrella should be should all of

(02:17:40):
your insurance should add up to what you're worth.

Speaker 15 (02:17:42):
Yeah, and to your point. Also, the other thing that
can happen when you don't have a high enough limit,
you get into an accident, you get sued the insurance company.
If you have one hundred thousand dollars of coverage, what
they'll do is they'll pay the one hundred thousand and
be out of it. They're not going to even try
to get them to settle. And then the person convinced
sue you personally after that, and your insurance won't even

(02:18:02):
pay for defense costs because they've settled, they've already paid
their max and they're out of again.

Speaker 5 (02:18:08):
And your insurance doesn't have to require a release.

Speaker 15 (02:18:11):
No, absolutely not. No, they try to get a release,
but they don't have to. They don't have to. And
if this is a large loss, they won't even try it.
They'll know, I mean, you have one hundred thousand dollars
of coverage and they see there's a million dollar lawsuit
out there. They just say, here's your hundred. We're out. Oh,
they're out of the mix.

Speaker 3 (02:18:28):
They don't and they have not done any bing by
doing that, right because they're going to the limit.

Speaker 5 (02:18:34):
All right, We got more coming right up.