The Troubleshooter 5-15-25

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:05):
Ripped off, news needs who you.

Speaker 2 (00:10):
Don't have Corning's success as we can.

Speaker 3 (00:16):
Shooter's gonna help coming.

Speaker 2 (00:18):
Man, this is.

Speaker 4 (00:20):
The Troubleshooter Show.

Speaker 5 (00:22):
No Tom Martinez, Welcome, Welcome to the only let show
of this guy.

Speaker 4 (00:27):
We're here to solve problems, answer questions, take complaints. My goodness,
we are here to make your life a little bit
better if you've been ripped off or taking advantage of.
Maybe you got a problem with a landlord, maybe you
got a problem with a landscaper. That's gonna start popping
up a lot. In fact, landscapers, I'm gonna tell you
something coming up in the next couple months. We start

(00:48):
hearing a lot of problems all around Colorado and the
country with landscapers. Be careful, pay as you go, pay
as you go. In fact, the best way to do
it is don't pay anything up front. But I will
say this, if they do labor one day and you're
doing an hourly deal with them, pay up front or
pay daily. But man, do not pay the whole thing

(01:09):
up front. You will see we have lots of issues.
I remember last year, lots of retaining wall problems. Basically,
landscapers had show up and honestly, just have no idea
what they're doing. That's the bottom line. They shouldn't be
in the business. Some of them might be outright crooks.
I remember a few last year that basically showed up,

(01:29):
took money and did nothing. So you got to watch
out for that.

Speaker 6 (01:32):
Go ahead, doc, I can't think, Well, the problem is
anybody can just get a couple of guys with shovels
and rakes.

Speaker 4 (01:38):
Yeah, anywhere in front of the depot for that matter,
and we'll just do your landscaping. Yep. Yeah. Make sure
they know what they're doing. I mean, that's the that's
the deal. Three oh three seven one three eight two
five five. By the way, this hour brought to you
by Frank Dran, the real estate man. In fact, we
talked to Frank yesterday. He's doing something really cool, free analysis.

(02:00):
If you got your evaluation on your house or your
property tax assessment and it seems high, he's gonna do
a free assessment for you, a free valuation, so you
can fight it. But listen, you got to basically get
it done this month. The window these counties give you
is so so small, it's like almost a month. I
think it might be the fifth of June, it's over.

(02:22):
But people's property ours went up, Suzanna and I's went
up three hundred thousand, and I had him do an
evaluation on it, and he brought it down about one
hundred and fifty and gave me the comps to prove it.
So I'll out of a zoom meeting with Douglas County.
And I had to do this. I had to do
this three years ago or two years ago as well. Brian,

(02:42):
did yours come in yet? By the way, that's Brian
Burns's compass insurance? Yep?

Speaker 7 (02:46):
Mine went up again. I did fight it a couple
of years ago.

Speaker 4 (02:50):
Did you win?

Speaker 7 (02:52):
Not nearly what I had asked for, but a little
bit like fifty thousand or something I got.

Speaker 4 (02:56):
Mine went up, God, I don't remember. That was the
big one. Was the one that just skyrocketed. It went
up like five six hundred thousand dollars man, yep, and
I got them to knockoff. Maybe I think it was
about three hundred so, but it is, you know, every
penny counts, man, absolutely. But what irritates me they're acting
like hey boom, yeah, you know. I started thinking if

(03:18):
I could sell that house for what they say it's
worth now, I might put it up for sale. I mean,
they just inflate these numbers. I don't even know what
it's based upon. If I go to Zillow, realtor dot com,
if I go to any of these things, my freaking
house doesn't come near that.

Speaker 2 (03:33):
No.

Speaker 7 (03:33):
And some people when they get these notices, they actually
are like they think it's a compliment that their house
is worth so much. And I'm like, no, no, you're just
getting paid. You're gonna have to pay more taxes. That's
the only only establishment. Yeah, so we got rid of
the Gallagher Amendment.

Speaker 4 (03:45):
And basically what happened is the Democrats or basically the
people we elected in Colorado, Okidoctas, about two or three
years ago they said, hey, this year, we'll give you
a really good deal on property taxes. Then it's going
to go up at least. So what they did it
is a change the way they value it. They went
more to a real well the problem is now it's

(04:06):
too inflated, but they went to a real value. Prior
to that, the value was usually about thirty forty, maybe
even fifty percent less than what the property was actually worth.
So I understand that something probably needed to be changed,
but the way they did it by getting rid of
the Gallagher Amendment just killed us. I mean really, they

(04:27):
screwed everybody here.

Speaker 7 (04:28):
Yeah, because it's like you said, a lot of the
values that come in now are higher than what the
house is worth.

Speaker 4 (04:33):
And so yeah, and that's and that's where I started this.
So Frank Deran, the real estate man, he's going to
do a free valuation and plus you're going to figure
out how much your house is worth. Doesn't cost you
a dime, and he'll give you a report. I got
mine the other day. It's about one hundred and fifty
two hundred thousand less than what Douglas County says. Let
me introduce somebody else, Robert Bruce, Integrity Electric and Home Improvement.

(04:57):
You've been on our How long you've been on the referra? Man?
At least fifteen? You got to get close to the
mic and then hit the on button. There you go, man,
rookie mistake here? How long?

Speaker 8 (05:12):
So I was here? Came in with Tom on two
thousand and eight.

Speaker 4 (05:15):
Wow, okay, that's almost you're coming up on twenty years. Hey,
let me ask you something, man, did you get your
valuation on your house, I did, was it up?

Speaker 9 (05:24):
Down?

Speaker 4 (05:24):
Went down?

Speaker 10 (05:25):
Oh?

Speaker 4 (05:25):
It went down. That's a wrapple Hoole County. Someone yesterday
said theirs went down. Dang it. I forget who it was.
It might have been a caller, but someone said theirs
went down, and I was shock because mine went up
by such a stupid amount. I mean, it's just like
they throw a dart and whatever it hits the number,
they add a couple of zeros to doc. You said,
yours went up, but you're not going to fight at

(05:47):
which I don't understand. Yeah, here's the problem.

Speaker 9 (05:51):
You know.

Speaker 6 (05:51):
It's a new development.

Speaker 2 (05:53):
Yeah.

Speaker 4 (05:53):
Three other of the units, Yeah.

Speaker 6 (05:56):
That were exactly the same as mine. Yeah, came sold
for two hundred thousand dollars more than mine sould.

Speaker 4 (06:03):
So the comps are right there. Yea, yeah, you know what,
I think you're probably correct there. I mean if you
had a neighborhood like an Highlands ranch, where you have
ten different track homes, ten different models, and you have
five or six of the exact same model, that would
be kind of hard, especially in a condo, because they're
identical units right here, pretty much. Yeah, so that they

(06:25):
I get that, all right? Three oh three seven, one, three, eight,
two five five. But if you go to Frank Duran
Holmes dot com Frank Duran Homes dot com and just
reach out. You can call him and just say, hey,
I want that free appraisal. It's not really an appraisal,
but the free comps and he'll put a report together
and then basically you go to your county you say

(06:46):
you want to basically fight it, fight the HM out
there trying to charge you, and then you can upload
all your evidence and it's a great way to do it.
Plus the other thing that's nice when you get something
from Frank a true valuation of your house, Brian, they
can see if they're insured. And this kind of ties
into you encompass insurance because how many people call up

(07:06):
because you know everybody is getting worse and worse insurances
we go. It's either going to actual cash value policies
or a percentage of higher deductibles, higher deductibles. It's just
getting bad no matter what. And just price increases across
the board. So how many times when you quote a
house now and Tom, I'll go to you in one second,

(07:27):
how many times when you quote a house you find
out that it's undervalued yeah, it happens.

Speaker 7 (07:32):
It used to happen a lot more frequently now I
think insurance companies have been actively increasing those dwelling limits
at renewal. Yeah, and so then you always run the risk.
You want to make sure you're not over insuring, especially
if you have a carrier that has extended replacement cost,
and you know, we have a couple carriers that still
do uncapped replacement cost, meaning that no matter what the dwelling,

(07:54):
as long as you ensure for what they say, even
if it exceeds that amount, they'll pay for it. So
that's good, that's what you want. You want the onus
on the insurance company.

Speaker 4 (08:02):
You adjusted mine, I think it was two years ago.
It was pretty massive. Man, we had to go up.
I mean a lot of money. It was ridiculous because
off our house burned down. Literally we would be, you know,
thirty percent under insured. I mean now we're fine, but
that was crazy. So that's the other reason this valuation.
They can look at it, see it and then look
at their coverage and see them make sure they coverage.

(08:24):
Because the Boulder fire, how many people were.

Speaker 7 (08:26):
There was a ninety seven percent of the people were
under insured. After the Boulder fire percent. That's what the
Denver Post came out with. That's such a crazy number.
Like everybody I almost say what it was? Almost everybody was.
I mean, that's absolutely bonkers.

Speaker 4 (08:43):
Hey, Tom, tell me what the issue is and then
I got to take a break and when I come back,
we'll figure it out for you. What's going on? Tom?

Speaker 9 (08:50):
Hey? Mark, So thanks sticking my call. About a year
and a half ago, my little brother unexpectedly passed away.

Speaker 4 (08:56):
Oh I'm sorry.

Speaker 9 (08:56):
I had to hire Yeah, thank you. Hey. I had
to hire an attorney and I was David Salisbury actually
for the second time, to open up the probate. It
was a very basic probate, only had his house. It
was like seventy thousand dollars, not much there so, but
I still had to open up a probate. Well, it's opened,
sold the house, good to go. So I'm trying to
get a hold of David. He was on your refram.

Speaker 11 (09:18):
He retired for a long time. He retired, bro, that's
my that's my concern is the probate's still open. I
need to close it out with Elbert County and I
don't know how to do that.

Speaker 4 (09:29):
Well, that's a curious question. Let me do this. Let
me get Dan McKenzie on and let's ask him if
a different I don't know why you just wouldn't hire
another attorney, but let's ask an attorney that does it
and see what his option is. I mean, you didn't
pay David and you were just paying him bill hourly right.

Speaker 9 (09:47):
No, no, no, he had a lump see that was
his model. That was why he was so cheap. Two
thousand actually this was twenty five hundred for the probate.
I paid him up front.

Speaker 4 (09:57):
And what does he have left to do?

Speaker 9 (10:00):
Just close it out with Elvert County.

Speaker 4 (10:02):
Yeah, hold on to seg let me get you on. Hold,
let's do that, Kelly. I want to get I want
to get mackenzie on. Three oh three seven one three
A two five five three oh three Martino. We got
three lines open and I'm going to try to text
get me this guy's last name to Kelly, Tom's last name.
Everybody holds tight.

Speaker 12 (10:26):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com.

Speaker 13 (10:30):
You don't pay a cent until you're content.

Speaker 12 (10:36):
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 (10:57):
All right, three oh three seven one three A two
five five three oh three Martino, we got three lines
open dying to help you guys out. And by the way,
any questions, I'm going to tell you what. I'm gonna
tell you what Robert Bruce does. Integrity electric Well, that's easy.
You're an electrician. I assume you're a master electrician, not
a what's the air is his mic on? I just

(11:17):
can't tell no, Yeah, go ahead. You're a journey.

Speaker 8 (11:21):
Yeah, so I'm a journeyman.

Speaker 4 (11:22):
Now, I astucate me really quick. What's the difference? I
don't get it?

Speaker 14 (11:26):
Uh, journeymen and masters the biggest differences. Journeyman's do the work.

Speaker 4 (11:31):
And the master's pull permit. Yeah, and then train the journeyman. No, No,
you learn all that on the out. So you can't
pull permits or you can I can't, so when you
do like home improvements for people, generally, I assume the
resident or the owner of the properties one pulling the permit.

Speaker 8 (11:49):
Or oftentimes you know, if it's just like adding some
lights or a.

Speaker 4 (11:52):
Ceiling fan or a ceiling permit needed.

Speaker 8 (11:55):
Well technically yes you should.

Speaker 4 (11:58):
But even but like just like swapping out a ceiling man,
are you serious if not swapping okay, installing.

Speaker 14 (12:04):
Installing a new one where you let's say you've had
to put a box in, Yeah, switch.

Speaker 15 (12:09):
In for them?

Speaker 4 (12:10):
Yeah, okay, So you should.

Speaker 8 (12:12):
Spend that extra hundred dollars.

Speaker 4 (12:13):
Well I'm trying to think. Yeah, like a lot of
people don't want to spend that anyhow, and if they
had a I guess, I guess. Really, what it comes
down to is you're supposed to do it to pay
the piper. I mean, really, that's what it comes down to.
Well you all pay that piper. Well, can you really
get in trouble for it? Does that ever happen? Have
you ever heard of someone like not pulling a permit,
like even doing their entire basement, not pulling a permit,

(12:36):
but using actual license plumbers and electricians because you don't
want your house to blow up or burn down or flood.
So I mean, have you ever heard anybody in here
of like the county coming in and actually you know,
smacking you around and assessing what you've done and then
charging you.

Speaker 14 (12:52):
Like on a big project like that, they would red
tag it, which means they would.

Speaker 4 (12:56):
Just how would they even know it happened.

Speaker 14 (12:58):
I've heard stories with people who are inspectors were just
driving around and seeing a job site and stopped in
to say.

Speaker 4 (13:05):
Hello, And that's crazy, man.

Speaker 7 (13:08):
I think also, and you would be the expert on this,
but I think sometimes neighbors can plain when they hear noise,
you know, construction going on in the basement.

Speaker 4 (13:16):
Yeah, turn them in.

Speaker 7 (13:17):
They will turn them in and they'll come out.

Speaker 4 (13:20):
I can get I built a big RV like garage,
and I mean that would be so evident I had
to pull it. Plus, when you're building a structure like that,
I mean, I want to make sure the inspector comes
out and looks at everything, because I'm dumping a ton
of money into that thing.

Speaker 7 (13:35):
But even in basements, even if it's inside, they're still
delivering lumber, they're delivering drywall.

Speaker 4 (13:39):
Yeah, might have a lot of evidence art well, our
basement when we bought this house was finished, but the
one we had in Castle Rock I finished over a
very long period of time, like four or five years.
And you know, we did the framing when the guy
next door was building the house. I grabbed the framing crew,
just paid him some cash to come over and you know,

(13:59):
not dad out. Eventually did the drywall, eventually had an
electrician come in. I mean, basically pieced it together in
four or five years. I never pulled a permit on it.
I mean I disclosed that when Frank Durant sold to
the house. But I don't know so but hold on,
Hey Tom, Hey Kelly. Did we get Mackenzie.

Speaker 14 (14:18):
He hasn't answered me back yet, so I'm not sure
if he's unavailable or just in a meeting case.

Speaker 4 (14:23):
So hey, Tom, two things. One, I texted Salisbury and
I have no idea if I'm going to hear back
from him. I don't even know if he's in the state.
So I'm going to text him. And I got your
first and last name. What would the case be under
or what what would he look it up under your
brother's name or your name?

Speaker 9 (14:43):
Yes, it'd be under my brother's name, same last name.

Speaker 4 (14:46):
What's your brother's first name, Jeffrey. Jeffrey. I'm going to text.

Speaker 9 (14:53):
Earlier it was Elbert County. It's not it's Lincoln County.

Speaker 4 (14:56):
It's not Lincoln. Hold on, I'm just making a note here.
So Jeffrey and Lincoln County, and all he has to
do is clothes to just finish up the probate.

Speaker 9 (15:06):
Exactly, and it's all paid for it.

Speaker 4 (15:07):
Like I said, with Sulisburg, and that's how he did it.
I didn't know that he did flat right. That's kind
of cool, and I'll tell everybody out there what happened.
His mother ended up moving in with him. She's pretty
old and I hope she's okay now. She might have
even passed by now, but it was full time care.
I mean, she was in really bad shape. He was
going to actually do some stuff for Suzanne and I

(15:29):
probably about I don't know. I reached out to him
maybe a year ago. It's been a while, and the
bottom line was he said, I just can't. And I
was kind of shocked because I've known him and he
actually did our original trust. But anyhow, that's kind of
the story. It's not like he's really ghosting anybody, but
his mom's in really really bad shape. If she's still

(15:49):
with us. I think she was in her nineties. I mean,
it's it was a bad deal, But let me see
if I can't get him to do that. If I
can contact him, I'm sure we'll figure something out. Maybe
he can pay somebody else to do it. If you
already paid him. I'm sure we'll get it figured out.
But what I'm worried about is if I can't contact him.
But I think between Susanna and I, we probably have

(16:09):
multiple numbers for him. So we'll try everything and make
sure that Kelly has all your information so I can
reach back out to you as soon as we figure
it out. Good Mark, thank you for me you got him. Man,
Sorry about your brother. You mind if I ask what happened?
Just out of curiosity because you don't sound very old.

Speaker 9 (16:28):
Yeah. No, he was a great guy, and I kind
of just a little bit of depression and then basically
just drank himself to death.

Speaker 4 (16:36):
Oh man, that's horrible.

Speaker 9 (16:38):
Yeah, that's Horrible's six years old and just boom and
I long long story, but.

Speaker 4 (16:43):
Yeah, sure, that's that's really sad. Man, I had a
buddy like that. God rest his soul. Larry and the
guy just couldn't stop drinking. I saw him drink so
much one night I called his mother over. I was
at his house helping him with a computer problem, and
this guy drank so much. I looked at him when
I got over there, I was like, dude, something's wrong

(17:04):
with you. You're yellow, man, You're like totally yellow. And
he was in jaundice. And I didn't know what to do.
I mean, Larry at the time was sixty, I was
probably kad I was probably maybe thirty. And I called
his mother. I mean, he wasn't going to do anything,
and he looked like death, and I called his mother.
His mother came over, took him to the hospital. Sure enough,

(17:25):
he was in full blown liver failure. And they got
him to the hospital. And you know, when you're an
alcoholic like that, they don't put you on the liver list.
So this is kind of a sad story.

Speaker 9 (17:37):
Man.

Speaker 4 (17:37):
I'm not even sure why I'm telling you, but I am.
I'll tell you why I'm telling it. So people out there,
if they see the signs or if they're actually dealing
with it. I mean, it's a real deal, man. So
he turned yellow, goes to the hospital and he kind
of rehabbed and went dry for like, I want to say,
a couple months. I mean he really did, and he
quit drinking. And I think he was smoking pot still,

(18:01):
but I don't think that messages with your liver, not
like alcohol. But the bottom line was he got back
on it, man, and he was drinking a leader, not
even a fifth a leader of vodka a day. I
mean like three or four shots. I can't walk, But
I mean think of like, what is that? Almost like community?
You build up on it. And he was drinking that much.

(18:24):
And then he quit again. And the second time you quit,
he quit for a year. And that was really impressive.
And I've known Larry forever. He was like a brother
to me, and I thought, Wow, this guy's really going
to get through it. After he was a year or
maybe it was two years sober and he had the test,
they put him on the liver list. Oh the other
thing he had was HEPC. He got hep C, the

(18:45):
only him in about eight other guys that were going
to NOM. I guess back then, when they basically brought
you to boot camp, they'd line you up in front
of the bus and they'd stick you with the needle
for whatever that needle's for. And apparently five or cents
in his platoon all got hep C and they all
think it was from that. So when you have f

(19:05):
C and you're drinking, I mean, that's the double whammie.
But anyhow, you're done, Yeah, you're done. He got on
the liver list, Tom He literally got on this liver list,
and he waited years, and you know, you're not at
the top of the list. But he moved to Tennessee
and he gets a call out of state and he
had to drive I forget to what state, maybe it

(19:26):
was North Carolina, and they got a liver for him.
And he's telling me this, and he's telling his family
here who I know, and he starts leaving to go
get the liver. This is the saddest thing I ever heard.
I have no idea what's going on, why it happened.
I get a call from some county in North Carolina
or whatever state he was heading to, and he got

(19:49):
drunk at a bar and got a DUI on the
way to get It's almost like unbelievable. It's almost like
he didn't want to get it. I mean, there's something
because because he was sober for so long, and then
all of a sudden, when he was heading there to
make sure the match and make sure everything was perfect,
he literally got drunk and got a dui. It was

(20:10):
saddest thing ever. And then he died. About God, he
died maybe four or five months later. Like your like
your brother, uh did just basically drank himself to death.

Speaker 2 (20:20):
Tom.

Speaker 4 (20:20):
Sorry to bring up that bummer story, but anybody out there, Yeah,
if you know anybody's struggling, I don't know how you intervene.
I mean, really it's probably it sounds easy to do,
but I tried to kind of help Larry. And the
weird part about Larry was he was sober for so
long and then when everything was coming together, he like

(20:41):
started drinking. Not only drinking, he got a dui on
the way to get it. It's crazy. We got lines
open three oh three seven, one three eight, two five five.

Speaker 12 (20:56):
Go with a sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call compass insurance 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

(21:17):
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 (21:27):
All right, three oh three seven one three eight two
five five, we got lines open. You have any questions
you've been ripped off, taking advantage of whatever help you need.
We can also get one of our attorneys on if needed.
Let's talk insurance, Brian number one, how much your rate's
going up this year on homes? Are you seeing it
pretty flat or for the first time in a while.

Speaker 7 (21:47):
First time in a while, I'm seeing much less increases
in rates and that. And really it's not because they've
taken less losses because they had a terrible loss here
last year. It's because you're seeing that the policies are
being adjusted to take out coverage for hal It's worse insurance.
It's worse insurance. It's it's it's starting to shift more
of the responsibility of hail claims and win claims onto people,

(22:12):
onto the consumers.

Speaker 4 (22:13):
So people at this point, like I did, you'd be
smart to get truly a hailproof roof. Absolutely, because it's
to the point where I mean, is almost all the
policies ACV now or what are they?

Speaker 7 (22:24):
Not all of them, but I would say the bulk
of them, after a roof hits ten years in age,
will go to ACV almost all, not every single carrier,
but there is the bulk of them.

Speaker 4 (22:36):
Do so even if you ever play I post who
do I have Safeco?

Speaker 9 (22:39):
Three?

Speaker 7 (22:39):
You you have safeg and Safeco on a new policy
they give that option. Now you're not you're kind of
grandfathered in where you have replacement cost on your roof.
It doesn't expire. Yeah, but they are one that would
convert to ACV on new policies ten years at ten
years yeah, so actual cash value so at the time

(22:59):
of law, your your settlement would be would have depreciation
in there. So they're go only going to give you
the value of the roof at the time of loss.
So the roof is ten years old, it's an asphalt roof,
that's probably about half the life. They're going to only
give you a fifty percent or you know, whatever that
personation is.

Speaker 4 (23:17):
Doing is after the ten years yeah.

Speaker 2 (23:20):
Two.

Speaker 4 (23:21):
So in other words, you can teen years you get
full replacement.

Speaker 7 (23:24):
You can you can also choose to pay ACV right
away if you wanted, but they will allow you to
have ten years where it's replacement cost, and then on
the renewal following the tenth year of your roof, it
will go to ACV.

Speaker 4 (23:39):
I got it at that point, and you know, basically,
if the roof's twenty grand, you're going to get ten grand.
It's a ten year mark.

Speaker 7 (23:45):
Not just that ten. And then you're subject to your deductible. Yeah,
of course, so you might have another five thousand deductible
or whatever it might be. So you're again that's the
reason you're going to see the rates on the home
insurance starting to come down and call right.

Speaker 4 (23:58):
We add one one guy that called up and his
was I think it was three percent of the dwelling yep,
which is crazy.

Speaker 7 (24:06):
That's abnormal. That's abnormally high. But I do see two
percent regularly now I see it now. One percent is
the norm.

Speaker 4 (24:14):
So you could have though, but think about that if
you got a million dollar house or what's the average
I think Frank Durant told me they average like seven
hundred around here. Yeah, so seven hundred to two percent
You've got a fourteen thousand dollars deductible on wind in Hal,
that's right.

Speaker 7 (24:29):
So if you have a roof claim that's covered, you're
going to be out that first fourteen thousand.

Speaker 4 (24:33):
So what I did with you, guys, if I recall
my deductible, I think on wind in Hal is like
five thousand and you know, instead of one thousand. But
I got a hailproof roof, so I'm really not worried
about it. In fact, my deductible might even.

Speaker 7 (24:47):
Be tiger than that. You used to be five. And
then once you got the roof, we talked to him.
You're like, why wouldn't I increase it and saved the money.

Speaker 4 (24:54):
It could even be like fourteen thousand now, and it
brought the policy down quite a bit. And I'm really
just not worried about hail damage. I truly am not.
I mean I even did the barn with that stuff.

Speaker 7 (25:07):
Yeah, and that's what you're going to start seeing. It's
going to start to pay off to get a more
expensive roof, but one that is not subject to hall damage.

Speaker 4 (25:16):
Really, insurance has gone up, but if the price hasn't
gone up, the coverage has gone down.

Speaker 9 (25:21):
Yep.

Speaker 4 (25:21):
So really it has adjusted again.

Speaker 7 (25:23):
Yeah, so you're not going to see it in the
form of rate increases as much is what I'll see it.
And I actually it feel like insurance, you're going to
see it where you're going to have to be more
responsible for the payout in the case of a lot.

Speaker 4 (25:35):
How about automotive? How about you know, driving insurance? How
about auto insurance?

Speaker 7 (25:39):
So far, most carriers I've seen are flat on rate,
if not one to two percent rate increases on the auto.
So you're not seeing a huge increase on auto right now?
Who's your go to on auto?

Speaker 4 (25:51):
Now? I realize, like with me, we have Safeco for
the home and then when you bundle it with the auto,
it's the cheapest overall for you for the coverage. Yeah.
But like just Progressive for example, do they do they
don't do homeowners do they? They do?

Speaker 7 (26:08):
But they have put a pause on homeowners over the
last probably almost years in the entire coast in Colorado.
In Colorado, Colorado. Yeah, so in Colorado they'll start writing again.
But they're one that's going to have a two percent
wind hail right away, got it. So, But as far
as auto, here's the problem. It depends on the risk
if you have young drivers. If you have teenage drivers,

(26:30):
I would have a different place to go than if
you didn't, or if you are over fifty five, there's
carriers that will have much better auto rates than other carriers.

Speaker 4 (26:39):
How about how about in general? I know everything's different,
but in general, someone that just has auto insurance, Yeah,
who's your go to? Is it like Progressive? Is it Safeco?

Speaker 7 (26:51):
Right now, I would say who's pretty aggressively priced for
standalone auto would be Travelers. Travelers, and that wasn't always
the case, but now they are. They have really good rates.
They're really pushing to get auto insurance. But I will
tell you the other thing is a lot of these
carriers now, including Progressive, push the telematics. Oh my god,

(27:11):
I have to do it or else your rape it
just goes up so much.

Speaker 4 (27:15):
I'm going to tell you why I refuse to use that.
And we did use it one year with our son.

Speaker 7 (27:23):
You still have you have a discount for when you
did participate. You guys still have a discount.

Speaker 4 (27:29):
I'm going to tell you now. First of all, I'm
talking about my son. Yeah, and we had it on
his and it was through you guys couldn't get him
progressive in his state, Nebraska, and he ended up getting.
For the life of me, I can't remember who it is.
I'm going to figure it out over break, but I'm

(27:50):
going to tell everybody out there why I would never, ever,
ever put one of those devices that plug into your car,
or if it's built into your phone in n phone apps.
I don't care. This was not at the time. This
was not at the time. Hold on three oh three
seven one three talk.

Speaker 12 (28:13):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 13 (28:17):

Speaker 12 (28:22):
call Compass Insurance paying too much your coverage at dozens
of insurance companies. Find out now three oh three seven
when you choose Frank durand the real estate Man dot
com to list your.

Speaker 4 (28:38):
Home with Remax Alliance.

Speaker 12 (28:40):
Three oh three nine two zero sixteen twenty two.

Speaker 4 (28:44):
five five. I think we got YouTube up. I'll check
over the break. I'm not sure, but three oh three Martino,
but we had YEP, I'm told it is up. So
if you go to YouTube, you can type in Troubleshooter
Network and kind of watch the show and listen behind
this we were talking about. Actually, Brian, I was going
to tell you it was one hundred percent progressive snapshot, okay,

(29:08):
And what happened was is probably when our kids were younger,
we had it, and our insurance was going to almost double,
almost double after the first six months we did it.
You get a discount for doing it. But when they
pulled the data, my son would do so much hard
breaking it was crazy. He drove like a maniac. I mean,

(29:30):
call it what it is. But the argument would be
he never got into an accident. There wasn't one accident,
and I don't mean ever he did get into an
accident when he was sixteen or whatever, but ever since
then he was not in accidents. But he's a fast breaker,
is the biggest thing. So I guess they think you're
following too close all the time. What the track mostly Yeah, No,

(29:51):
you're exactly right. It's heart breaks. It's that quick acceleration, acceleration.
It's a time of day driving. So if you're you're
consistently driving it one too you see that he worked
at Walmart and he'd get off work sometimes at midnight.
No problem, I mean that was not like unheard of.

Speaker 7 (30:07):
But that will affect you. And then speeding, But.

Speaker 4 (30:10):
How about just distance, like how much you drive per year? Yeah?

Speaker 7 (30:14):
Oh yeah, absolutely, that's massive. Yep, the amount of miles
you're driving sea.

Speaker 4 (30:17):
And here's where my whole argument with this stuff is,
so one of our cars we drive all the time
because Suzanna and I are generally together, either here at
the show or wherever. I mean, we're basically empty nesters.
We're together all the time and always have been. So
we usually have one car. That one car might have
thirty thousand miles on it, but our other car might

(30:38):
only get two thousand miles on it for that year.
And I still pay based upon that high car. It's
not like they care that the other car only does
two thousand. So snapshot killed us on driving, and it
really killed us with miles. But when Progressive went to
renew that damn thing, it almost doubled, almost doubled because

(30:59):
of that, never got into an accident. I mean, do
you think that's fair. Well, here's what I would tell
people to drive. The speed limit but they're eighty five
years old and they run into stuff all the time, right,
So it's you're still penalized based off of accidents way
more than you are on the on the telematics.

Speaker 7 (31:15):
But the idea behind it is it's it's all based
off of actuarials and statistical data. So they will be
able to show you, prove to you that most of
the time people that have those hard breaks are going
to get an accident. It's far more than people that don't.
So that's that's the reason that information is used. That's
the reason they use that as a determining factor of

(31:38):
the race. It's actual numbers, it's not it's not like
a picking on someone because of that. It's yeah, but
I like that, But then there's also going to be
you know, the rate is also determined based off of
people's tickets and accidents, so it's not just one thing
that's being figured. This is just another way where people
have have come through the years, and I've heard it

(31:59):
many many times, it's like, why don't you charge me?
Why am I having to pay for someone else that's
driving around that?

Speaker 4 (32:04):
Because this really if everybody did it, everybody participated, then
you're going to get a rudy system.

Speaker 7 (32:12):
Yeah, and so it's still voluntary, voluntary, but I am
telling you there are carriers that will in the future,
I believe, not allow it. Otherwise, like you either are
going to take this on. You're either going to do
the telematic or we're not going to assure you, and
then you find somewhere else to go.

Speaker 4 (32:28):
With Tesla, I looked at their insurance because they have
their own coverage. I don't even know who it's through
to yours.

Speaker 7 (32:33):
It might be their own stuff. Yeah, it could be
it's a trillion dollar yeah.

Speaker 4 (32:36):
Yeah, So that's really crazy because they look at your driving.
They just pull all the data from that car when
they're looking at you, and they can pull it from
day one that car was born. Yep. And that's not good.
That's not good because when I first got that car,
you know, when you first get a fast car, let's

(32:57):
just say it, you drive it fast. Of course, it
came back so high like it was ridiculous. I mean,
there was no way I could get that coverage.

Speaker 2 (33:06):
It was.

Speaker 4 (33:07):
It was more than twice what you guys got me
through Safego or whoever I had back then.

Speaker 7 (33:12):
But I bet you on those people that do truly
go the speed limit, that drive very carefully with Tesla,
I bet their rates are untouchable.

Speaker 4 (33:21):
I'll tell you this. In the last I don't know,
six seven months, all I used for the most parts
auto drive. Yeah, so it's driving. I wonder how they
look at that, Like, do they look at someone that
uses that eighty percent of the time is a very low, low.

Speaker 7 (33:34):
Low lane rich they do, I guarantee, because the otherwise,
I mean, that's the whole idea behind it is that
they're saying, having the computer drive the car is much safer,
race safer than a person, and so if you're using
it all the time, they would use that as part
of the formula.

Speaker 4 (33:49):
It is so much safer once you once your brain
accepts what's going on, it is so much safer. It's crazy.
You've ever been like in a lane and you want
to you're lik in the left lane, the far left,
and you want to go to the middle lane, and
someone in the right lane is going at the same time.
I mean, the cars looking every direction at every second.
We're a human, you've got to really look around and stuff.

(34:11):
I mean, it's it's really remarkable what it does.

Speaker 7 (34:14):
I might retry that. Actually, yeah, now that you have that,
it probably would. And that brings up a really good point,
as I was able at this break to pull up
your policy.

Speaker 4 (34:23):
Yeah, and you got the better driving. There's three drivers
on your daughter. Yep, you're graduating law school tomorrow. She
better not be speeding. My wife, who has gone to
traffic school so many times I can't count, and myself.
So you're gonna tell us who the high risk is.

(34:45):
I'm going to who's got the well, no, not right now.
We're going to take a break and then after the
break and my money, my money is on my daughter
and my wife because I am accident free for fifteen years,
I have not I have one accident. I have not
had one accident for over fifteen years.

Speaker 12 (35:05):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com.

Speaker 13 (35:09):
You don't pay a cent until you're content, wait.

Speaker 12 (35:15):
Time for an insurance check up, free, no obligation comparison
of insurance companies find out now three all three seven
when you choose Frank durand the real estate man dot
Com to list your home with Remax Alliance three oh

Speaker 2 (35:40):
Ripped of.

Speaker 4 (35:43):
News need so you don't have.

Speaker 2 (35:48):
Run as fast as we can.

Speaker 3 (35:51):
Shooter's gonna help come.

Speaker 5 (35:55):
This is the Troubleshooter Show. No Tom Martinez, Welcome to
the only show off this guy.

Speaker 4 (36:04):
We're here to solve problems, answer questions, take complaints, if
you've been ripped off, if you need help in any
which way. That is what this show does. We have
recovered over three hundred million dollars in cash, merchandise, exchanges
and refunds directly due to the show over the years.
And today we're talking insurance with Brian Burn's Compass Insurance.

(36:25):
In fact, I should have done this last hour. If
you have not had your insurance looked at, There's a
couple things. It's very important. One I'd say make sure
you have the proper coverage. Brian. You know you might
be over insured, you might be under insured. Now, most
people are never really over insured, are they.

Speaker 7 (36:42):
I mean, is it possible, Yeah, I mean it's possible
on a home insurance policy to be over insured if
they have have had you know, that inflationary increase through
the years, and you know that it's exceeded. But it's abnormal.
I agree with you, it's not very common.

Speaker 4 (36:57):
So people call up, Actually, what number do you want
to give out Brian for it?

Speaker 7 (37:01):
Yeah, the three three.

Speaker 4 (37:04):
So if you call these guys up, they're going to
ask for your deck page, your current one. They're going
to shop it with up to thirty different companies, and
they're going to make sure you have the proper coverage,
which is very important. What I mean by that is
is your house undervalued? In other words, if it burns
down or is it a total loss, are you actually covered?
Because that's a big deal. We talked about the Boulder fires.

(37:26):
Ninety seven percent of people affected were under insured. Now,
one of the reasons was is because it was so
harmful to the area, and all the contractors and all
the homes that burned down, and all the lumber that
was needed and all the things to build a house
that was needed got very expensive supply and demand exactly.

(37:47):
So part of the underinsured was because it wasn't just
one home. Absolutely, But I will say this, Mine was
drastically underinsured from when I purchased it, and we relooked
at it.

Speaker 7 (38:00):
Yeah, and you just see it. You have to think
through It's not a matter of what your house is
worth if you could go sell it right now, it's
really what would it cost for a contractor to come
in and rebuild this exactly? It's expensive, it is. I
mean it's way more than you think it is. But
to your point, when you have a lot of losses
in one area, the natural cost is going to go up.

Speaker 4 (38:22):
It's just anywhere there's fires California.

Speaker 7 (38:24):
Here, California one is going to be a fortune.

Speaker 4 (38:27):
They can't even rebuild you. Yeah, which is a whole
different topic, but it's kind of crazy. I mean, those people,
they're going to run out of money because most insurance
companies give you, what a year to move or a
year to find another dwelling to stay in or rent
or whatever you're going to do, they'll give you.

Speaker 7 (38:43):
Yeah, a lot of policies only have twelve months of
loss of use.

Speaker 4 (38:47):
And they can't even start rebuilding. I mean, most people
are going to have loss of use before they can
even put the first dig, the first hole for the
basement or whatever.

Speaker 7 (38:56):
And then they're paying rent wherever they're living, and they're
still paying a mortgage that they had on the home
that burned down, so they're having double you know, house
payments in effect.

Speaker 4 (39:05):
That's why it's so important to make sure he had
the coverage. But if you call that three ZHO three
nine ninety six, nine thousand, and a lot of people
are like, oh, I love all State, I love State Farm,
I've had him forever. Well, maybe the coverage sucks, but
you don't know it because you've never had a claim.
And maybe you can save thirty forty fifty percent, right,
I mean, I realize that sounds drastic, but we've had

(39:28):
people that have called up that you have literally saved.
I remember one was ridiculous. They had they were worth
about three million dollars and they had insurance that was
the minimal of everything.

Speaker 7 (39:41):
Yeah, it had twenty I remember this because it was
it was a couple of shows ago, and they had
twenty five thousand a bodily injury limit. So if they
got into an accident it hurt somebody, they'd lose everything
they had. Their insurance would pay twenty five thousand, and then.

Speaker 4 (39:53):
They would go after the house or the condos and
everything else they have. I mean big time. I mean
that's just how it works.

Speaker 7 (40:00):
If you ought to make sure you have liability insurance,
we were just talking about that and break. It is
so important to make sure that if you have any
kind of assets, you need to have an umbrella policy
over the top of your liability, just so that if
you get sued, you have somebody to protect you.

Speaker 4 (40:15):
Love people, and I really mean this. I would love
for you guys to call them up now and let's
get some real things during the show. I've got some
real numbers to show people how much they can save.
These guys also shop for you every single year. In
other words, if something drastically changes, like there's a lot
of hailstorms, or maybe you have a young driver or

(40:36):
something along those lines, or if really nothing happens, if
they think you can get a better rate from a
different company, they'll shop you and they'll let you know, Hey,
we want to switch you over to this because it's
going to save you X amount of dollars. But call
now three oh three nine ninety six nine thousand, and
that's the insurance help center and quote Compass dot com
is your website. But Robert asked an interesting question about umbrellas.

(41:00):
Umbrellas typically you have to have what two fifty five
hundred on the auto just to just to buy the umbrella.

Speaker 7 (41:07):
Yep, you got to have a bodily injury limit for
most carriers of two fifty five hundred, two hundred and
fifty thousand per person five hundred thousand per accident to
be eligible for an umbrella. Now, umbrellas in themselves that
gives you an additional million of liability or more or
more you're starting get a million. It's usually one, two, three,
four or five and up.

Speaker 4 (41:25):
So therefore, for the personal injury part, if you really
hurt someone big time and it's you know, it's a
couple million dollars or whatever, someone dies something horrific, I
mean you're talking, the initial coverage would pay out that
five hundred, and then the umbrella would kick in and
pay out an additional million or whatever the coverage is

(41:45):
for exactly keep going. And so but when and what I.

Speaker 7 (41:49):
See a lot of times that people do is they
will increase that bodily injury limit to two fifty five
hundred on their auto policy, but they leave their uninsured
motorist at twenty five to fifty or at a lower amount.
So crazy that means you're covering yourself for less more
covering of other people.

Speaker 4 (42:06):
Now, Jonath Hollis says that all the time. He thinks
it's the craziest thing in the world.

Speaker 7 (42:10):
It is crazy because they won't let you have higher
uninsured motorist limits than you do bodily injury limits. They
won't insurance companies won't let you do that. But why
would you purposely ensure yourself for less. Whenever you have
raised that bodily injury limit, make sure your uninsured motors
limit is just as high.

Speaker 4 (42:29):
We had a guy call in probably I don't know,
a week ago, two weeks ago, actually, it's probably been
a little longer time, just freaking flies. But he had
twenty five thousand and he had a million dollar house
paid off. The older guy, I think in his seventies,
he might even been in his eighties. I mean he
was there though. I mean he was intelligent and put together.

(42:51):
But he ran into someone and they're coming after him,
and we had attorneys on and everything. But the bottom
line was he had twenty five thousand, minimal coverage and
he had a million dollar asset, and the insurance company
was like the one coming after him. I forget who
it was. I forget the one coming after him. It

(43:12):
might have been I forget who was coming after him.
When I say the insurance company coming after him, his
company was sending him letters saying the other the attorney
on the other side wants this information. So they sent
him basically a questionnaire asking about assets and the reason
he called in he wouldn't know if he needed to

(43:33):
sign it and fill it out. And that's when we
got attorneys involved, and it was just bad news. It
was just bad news. Whatever the damages are, I mean,
he's probably well, no one died, so I'm sure it's
going to be under a million bucks. But they're going
to go after his assets.

Speaker 7 (43:47):
Oh, you don't need death. We have someone right now.
We just had a claim maybe two weeks ago where
one of our insurance was turning off of Dry Creek
onto I don't remember one of those, Regionaiversey or something
like that, and uh, as they're turning, a motorcycle came
was speeding but came over the intersection, ran into their

(44:09):
her car and on as she was turning, hit the
side of her car, flipped over, hit the ground, did
not die. But immediately we've already our insurance companies already
paid out one point five million.

Speaker 4 (44:23):
Whose fault was it?

Speaker 7 (44:24):
They're blaming her because she didn't have a green arrow.
It was a green light, but she went as she turned,
but they're saying it was her fault, her fault. So, yeah,
the the motorcycles had no insurance, didn't have a license,
and and was speeding, but she still trust accident. Yeah,
one point five paid out right away.

Speaker 4 (44:44):
That was the whole thing. That was her max. But
the settled, so they had an umbrella and then the
five that's right, but at least they settled. In other words,
they can't come after her after this. They've they've gave
those right, if you have twenty five thousand, the insurance
company will pay out that twenty five and then go away,
and then they don't even give you defense at that point. Ye,
so you have to pay your own defense and then anything

(45:05):
more you're out, which costs a fortune.

Speaker 7 (45:07):
Yeah, so if you can't, if you actually have to
get an umbrella.

Speaker 4 (45:11):
That's what the attorneys were saying about the guy who
was telling you. They're like, you have to hire an attorney.
You need to defend yourself on this because whatever attorney.
I think it was a woman that she hired. They're
gonna come after you for extraordinary amounts of money. You're
gonna have to prove that the damages aren't that high, right,
I mean, it's evident they're going to be over twenty
five thousand, But if they come after a million, you
better have someone on your side to prove there is

(45:33):
attack exactly exactly the other thing, let's.

Speaker 6 (45:36):
Get close to the mike doctor and again I'm I'm
with John Fuller on this. Go out and spend one
hundred and fifty bucks on a dashcam.

Speaker 4 (45:45):
It will save you thousands of maybe million. Well, if
you're not at fault, it can help you protect your
inn as soon.

Speaker 6 (45:51):
If you're not at fault, you'll have definitive proof that
you're not at fault. And for one hundred and fifty bucks,
it's incredible coverage.

Speaker 4 (45:59):
No, it is credible coverage. And most people just think
it's a pain, but really, all you gotta do, worst scenario,
plug it into your cigarette later and buy one that's
got a battery so you can unplug it if you
want to, and then you forget about it. Yeah, then
you forget about a hold tight three oh three seven
one three eight two five five. We'd love to hear
from you right here on the Trebleshooter shop.

Speaker 12 (46:22):
call Compass Insurance Pain too much your coverage at dozens
of insurance companies find out now three oh three seven

(46:44):

Speaker 4 (46:53):
All right, three oh three seven one three eighty two
five five. Today's a great day to call in. It's
been pretty slow the first hour, but I love giving
the information out. I love educating people on insurance. With
Brian Burns and the other person, we're going to be
talking to Robert Bruce. He's been on our referral list
for God since two thousand and eight, and we're going

(47:15):
to be talking about his handyman's skills and what he
can do for you over the summer. It's that time
of year, man, where people want to get stuff done.
But Brian reminded me during the break he pulled up
our snapshot and I'll call it that from my daughter,
myself and my wife. When we went with what is it, Safego? Yep, Safego.
When we went with Safeco for ninety days, they tracked us. Yeah,

(47:38):
you participated in a TELEVINTA was on a phone. It
was a phone.

Speaker 7 (47:42):
Yeah, you downloaded an app each of the three drivers
that were on the policy.

Speaker 4 (47:46):
And I just want everybody to know before he says this,
the grin on his face I did not like at all.
But here's what I'm here's the part I'm already gonna say.
So everybody knows I have not had an accident in
over fifteen years. I have not had a speeding ticket
or any traffic infraction for over fifteen years. So that

(48:10):
I have not pulled that's all that matters. I have
a question for you, Yes, do your shoes get wet
when you walk on water or shut up dock. I
have not had a ticket in fifteen years. There was
a time in my life I had a lot of tickets,
but that was all past fifteen years ago.

Speaker 7 (48:27):
I'm going to take you on your word. I have
not pulled that data in to verify mark on this
one as far as this accident ticket history. But we'll
just say, okay, that data, I know that data is right.

Speaker 4 (48:37):
We'll believe it go back fifteen years though, right, I
can't fives? Well five, my god, yeah, I mean it
might have been fourteen years, but I'm telling you I
think it's been well over fifteen. But go ahead, Well, really,
so how do they base this like by discount or
by they charge more? How is it a rank like
zero to one hundred? I mean, what are we looking at? Yeah,
they fit.

Speaker 7 (48:58):
When it's finished, they come up with that permanent discount
on your policy.

Speaker 4 (49:02):
Okay, So after the ninety days, Safeco looks at all
the drivers yep, and then basically says, okay, for this driver,
we're going to give a discount of X percent for
pretty much. Ever unless if the driving record changes.

Speaker 7 (49:18):
Yeah, well, I mean that wouldn't even affected. It's it's
just that part for the drive.

Speaker 4 (49:22):
Even if you were in an accident, you'd still receive that.

Speaker 7 (49:25):
Let's just get that. Now, you would get a surcharge
for an accident, but you still get that discount. Right,
let's start with Suzanne. What was her discount? All right, yeah,
let's start at the top. I think probably that we
should do it. So Suzanne is the winner, and she
finished this program by ending with a ten percent discount,
A ten discount she did.

Speaker 9 (49:46):
Yep.

Speaker 4 (49:46):
Now what else did she have on a record at
the time?

Speaker 16 (49:49):
Was there?

Speaker 4 (49:49):
I don't.

Speaker 7 (49:50):
I don't have that information, nor would I share that.
I don't think I would need to get the permission
of that ensured to share that.

Speaker 4 (49:57):
Go ahead, you can tell them.

Speaker 7 (49:59):
Okay, So how do you want second place? Yes, that
would be your daughter Adeline.

Speaker 4 (50:05):
Oh my god? What did she get? She got a
seven percent discount? She got a seven percent discount, Suzanne
got a ten Yeah, and I know Addie had a ticket.
I know that for a fact. So I'm not understanding
how this they.

Speaker 2 (50:18):
Are just.

Speaker 7 (50:20):
Yeah, and then in the bottom ranked at the bottom
half the discount of what Suzanne had. I have is
our friend mark at five percent discount.

Speaker 4 (50:29):
Yep. Do you do this snapshot thing?

Speaker 7 (50:32):
I have done it through Progressive not I wasn't insured
with Progressive, but when it came out, they gave us
one of those devices to plug in just to play
around to see what it was like. Uh, it didn't
derive my rate because I wasn't with them. It's because
I'm in Are you with mister insurance one that doesn't
offer telematics?

Speaker 2 (50:49):
Who is it?

Speaker 7 (50:50):
I am with a company called.

Speaker 4 (50:52):
Pure and they have no telematics. They do not have that.
You think, I don't see that one of those super
high risk ones for people they already know you're not
going to drive already have that rate established, Yes, exactly,
even turned down by the general If you're turned down
by fred Layer, you're that would be absolutely crazy. Who

(51:14):
is the highest risk insurance? Let's say someone that has well,
I don't even know if it's possible, if someone has
had two three d UIs, can you even get coverage?
You can?

Speaker 7 (51:24):
And Progressive usually has a rate for people even with
that bad of a driving record. There's a company called
Bristol West.

Speaker 4 (51:30):
Uh, basically anybody.

Speaker 7 (51:32):
They'll ensure pretty much anybody. Yeah, you can find an
insurance company to rate you.

Speaker 4 (51:38):
But you got to have a license.

Speaker 9 (51:39):
Uh.

Speaker 4 (51:40):
Yeah, you got to have a license.

Speaker 9 (51:41):
Uh.

Speaker 7 (51:42):
But even some of those carriers will allow a uh
international license, you know, if you don't have an American license,
they'll still do that.

Speaker 4 (51:49):
How does it work if someone's here without a driver's license,
whether let's just say someone that's here legally, I mean,
can they even get insurance?

Speaker 7 (51:57):
Well no, I mean, like I just said, with Progressive,
I can put in that they have an international driver's
license or a foreign driver's license.

Speaker 4 (52:05):
Do you have to have proof of it?

Speaker 7 (52:07):
They really don't even ask for anything, to be fair,
that's not necessarily the clientele we're going after. We're we
have more preferred business, is how our agency is set
up with the carriers we have. But there are agents
out there that that's what they specialize in. Is that
higher risk, that's wild market, and so they have companies

(52:28):
that I'm sure, which.

Speaker 4 (52:30):
Is the highest you've seen for an individual a rate?

Speaker 9 (52:34):
Yeah?

Speaker 4 (52:34):
Yeah, just well it's pretty hard because a lot of
people have multiple people. But like, what's a crazy rate
for someone? You got anybody spend at twenty thousand a
year on auto? Oh? Yeah, for sure, easily.

Speaker 7 (52:45):
Yeah, but those are usually an account that has you know,
a lot of young drivers, a lot of nice cars,
and you do stuff.

Speaker 4 (52:51):
Does Compass do stuff for businesses? It might have a fleet?
Oh yeah, yep, we do. I mean I know you
do stuff like garage keepers and workmen's comp but like
some that could come to you and say, you know,
we've got three hundred vehicles.

Speaker 7 (53:04):
Oh yeah, we have a company we ensure that probably
has over one hundred vehicles over several states.

Speaker 4 (53:11):
So yeah, I had a guy run into me in
a wheelchair and I was in my company vehicle and
I ended up being at fault. This was probably my god,
seventeen years ago.

Speaker 7 (53:24):
I would say, better be over fifteen years after that.

Speaker 4 (53:27):
Yeah, So he literally ran into me in an electure
chair and the guy had no legs. He was a
Vietnam vet and he had no legs. And I was
making a right and he, I guess, had the walking
light and I had a green light, but he had
the right way. I mean, he's in a wheelchair. No
matter what, even though he hit me, it was still

(53:48):
my fault. So he hits the side of the front
of my car and basically ends up on my hood man.
And it was so startling, and I hop out and
basically I help him. I don't know what to do.
I mean, I notice he has no legs. I'm afraid
to move him. I mean literally, So the ambulance is
there really quick. And my insurance company from my company

(54:09):
ended up paying out a half a million dollars half
a million dollars. And the reason they did it is, well,
I was pretty upset with him. I thought it was
crazy they were paying it out. But it's all up
to them. I'll never forget to Gal telling me. She goes, yeah, Okay,
here's a Vietnam vet with no legs that ends up

(54:30):
on top of your car and we're going to defend
that hol Yeah, because his family's saying he could no
longer live by himself. Now he has to have care
all the time because he's dramatically injured in other things.
And maybe it was that way, you know what, maybe,
and I try to look at it this way, maybe
I improved his life honestly, or my insurance company. But

(54:52):
the bottom line where I was going with this, Brian,
is that never hit my driving record because it was
a company policy commercial and I wasn'tn issued a ticket
or anything like that. My insurance company just paid out.
But is that how it works? Yeah, So like it's
nowhere on my record period. When I go to get insurance,

(55:13):
you'll never find that Mark Major created a half a
million dollar accident.

Speaker 7 (55:18):
Yeah, And what you'll find is with commercial policies, when
you're doing a personal line policy, you pull what's called
a clue report. It's a fine accident, but that wouldn't
be on but commercial policies, companies don't report to that
clue report. So, in other words, that's not how they work.
With commercial policies, you have to get a loss experience.

(55:39):
So if you went to another commercial policy, you would
get hit then because they would have this loss report
that comes with it, even if it was a different company. Yeah,
if you went to a new carrier, they would want
this experience.

Speaker 4 (55:52):
Now I'm saying that that business was called Colorado Carca,
Oh gotcha, and it was under there. I no longer
it would be that it would have to be the
same company exactly. It would have to be that eis right. Yep.
That was crazy though. I was so happy because I
thought when my renewal came from my personal stuff, oh man,
I thought I was going to be out of it.
But it doesn't report. I did learn, I did, well,

(56:13):
here's the question for compass. But I did learn on
that you really have no say if the insurance company
wants to settle because I thought it was crazy to
give this guy half a million bucks. And they were like,
that's not your decision, nor is it your money.

Speaker 7 (56:30):
I'll tell you this. It even goes further than that.
I had an instance where I was involved in a
claim and I was feeling the same way. I said,
how could you possibly pay this? This is not fair,
it's not right, And they said, okay, we'll take it
to court if you want, but anything over the amount
we're willing to settle for right now, you're paying. And
I was like, I have no incentive to do that.

Speaker 4 (56:52):
There's no god, no incentive at all.

Speaker 7 (56:54):
What to feel a little better, right, just to have
this pride that I was right.

Speaker 4 (56:58):
That's all contractual and the policy. Sure, yep, all right,
Hey Martha, what's your question for Compass?

Speaker 2 (57:03):
Then?

Speaker 4 (57:03):
Michael? You hold on? Hello, Hello Martha.

Speaker 17 (57:07):
I my husband had a stroke back in September and
he isn't quite ready to drive yet. He's been really
good about that and we're signing him up for the
classes and getting evaluations done. Does that affect our insurance?

Speaker 9 (57:25):
Hey?

Speaker 4 (57:25):
Martha? Can I just ask you something? Sure? Is how's
he doing? In other words, I know someone that had
a stroke and about a year later he was almost perfect.
But you would have never thought that the first month after.
I mean it was kind of remarkable. So is he

(57:46):
progressing pretty well? Is his is his outlook? Basically he'll
be one hundred percent at.

Speaker 17 (57:52):
This point, has been seven months or so. He had
a right green stroke and the cloud is still in
there and it is affected is f side, so his
left arm and left leg and part of his vision
is still quite impaired. Well, he is still taking OTMPT.
We're hoping, but you just don't know.

Speaker 4 (58:11):
Is that something that's a great question she has? Is
that something she has to report? I mean if you
were in her shoes, Brian, I mean, how do you
even deal with this? If they don't say anything.

Speaker 7 (58:23):
We would know. We wouldn't know that, Martha.

Speaker 4 (58:25):
Because a hip hop, no one can get that information right.

Speaker 7 (58:29):
So it's I think what the deal with on that
would be, Martha, is if the DMV has gaged him
to be well enough to have a driver's license. That's
all that it would require on our end. So there's
not a separate question we would have associated to that.
It would be more about my advice to you on
that would be is to make sure you would want

(58:52):
to make sure that he is healthy enough to drive,
simply because if he did have an accident exact, all
this stuff we're talking about here, you're the one that's
getting sued.

Speaker 4 (59:00):
You guys are going to get sued for that loss.

Speaker 7 (59:02):
So it's in your best interest to make sure that
he is healthy enough to drive. But it's not a
question as far as being eligible for insurance.

Speaker 4 (59:11):
You know what's interesting if it's an act of god,
meaning even if I have two million dollars in liability
coverage and I'm driving down the road and I have
a heart attack all of a sudden and basically end
up driving off the road and hitting someone, it could
be a horrible accident. There's times where my insurance company

(59:32):
wouldn't even pay out because it was an act of God.

Speaker 7 (59:35):
No, that would still be a collision. That's not that
would have nothing to do with it.

Speaker 4 (59:38):
Then, I'm telling you we have had calls like that
where something has happened and an accidents caused and they
don't pay out.

Speaker 7 (59:47):
Because they're like, it wasn't his fault. Okay, I differentiate that.
What I would tell you is if they didn't pay
out because they weren't forced to. But if that person
was sued and they were responsible, insurance is paying no
matter what the kicks.

Speaker 4 (01:00:02):
I see what you're saying. They would still have to
defend you. They might try to have a defense to say,
this is an act that he had a heart attack,
This isn't a negligent, but they have to situation. They'd
have to defend and if he was found liable, they
have to pay. Yeah, that's right. But what I'm saying
is there's times where they're not found liable because it
wasn't actual. Okay, I'm with you there. I just thought
you're saying the insurance company still has to defend you, right, Hey, Martha,

(01:00:26):
thanks for that call. Three oh three seven one three
eight two five five. But Brian, like almost like if
lightning hit a car and because the lightning hit it
and blew a tire out and you end up killing somebody, Yep, truly,
that is an act of God, they would defend you, right,
but they might not pay out because it's not the
liability of that driver.

Speaker 7 (01:00:46):
Right, they were not at fault in this case, but yeah,
but they Yeah, either way, I guess I just wanted
to make sure people didn't feel like you're insurance this
they're going to have to cover you if you're responsible
if you did.

Speaker 4 (01:00:58):
Lose the case for whatever reason, they're paying and they're
paying for the defense. Let me ask you this.

Speaker 14 (01:01:02):
Real quick though, Like with Martha's situation where she's renewing
a policy in the near future, here, would you volunteer
that information?

Speaker 7 (01:01:12):
No, I don't think she needs to because it's really.

Speaker 4 (01:01:16):
Not even a place where you could note it. Is there?
I mean where, well, is there anything like in progressives
portal for you guys that you put had a stroke?

Speaker 7 (01:01:25):
No, what would happen is if someone called me and
this has happened before, where someone is no longer driving
and they say, hey, you know what, my no, my
husband had a stroke. He's no longer able to drive.
Can you remove him? And what I would do is
just exclude him from the policy. But you could do that,
but it doesn't really benefit you from a rate standard.

Speaker 4 (01:01:44):
We better hope he doesn't drive someday.

Speaker 7 (01:01:46):
Better not drive, or and if he does, if he
got his license back, that kind of thing, you could
call me and I just put him back on the policy.
But you know, exclusions help you whenever you have someone
that has a bad driving history because they're taking off
the teenager somewhere.

Speaker 4 (01:02:00):
But that's so risky it is, that's the key. Hold on, Michael,
you're up next three oh three seven one three Talk
three oh three seven one three eight two five five.
Get your questions in about anything or if you need
help going after a contractor advice. Maybe you want to
talk to someone about a will or a trust. You
name it. We've got a list experts to know it.
But especially today, insurance.

Speaker 12 (01:02:26):
dot com.

Speaker 13 (01:02:30):

Speaker 12 (01:02:35):
Time for an insurance check up free, no obligation comparison
customer when you choose Frank durand the real estate Man

Speaker 4 (01:03:00):
All right three o three seven one three eight two
five five man. If you could hear the behind the
scenes conversation. I learned that Brian, are insurance expert, loves
horror movies, but he won't watch supernatural stuff because he
believes in it. Now it's too close to home. I don't
like the possession, I said, so I don't like you

(01:03:20):
to use a Wigi board, and sure enough you're not
a Oigi board. Though I would not be a wigi
My wife was not even allowed to have that in
the house. Growing up. Having a Wiji board was like,
you know, praying to the devil. Her parents would like
probably beat her if they found a Wigi board, which
is insane, but that's kind of a that's kind of
how some people are. Hey, Michael, and then Andrew, you'll

(01:03:42):
be next. We got two lines open three oh three
seven one three A two five five Michael, what's your
question on insurance? By the way, during the break, we
looked up and what was State Farm doing in California.

Speaker 7 (01:03:53):
He's got approval for thirty eight is a thirty eight percent?
Thirty eight percent the great hike and.

Speaker 4 (01:03:59):
What happens to take to ask the commissioner in whatever
state and they have to approve it? Right, My guess
is that one of the highest you've ever heard of.

Speaker 7 (01:04:07):
That is about as high as I've heard.

Speaker 4 (01:04:09):
I've never heard of anything higher. So I bet because
of the fires and all the damage in just California
in general, insurance companies like State Farm were probably like, listen,
if you don't give it to us, we're gonna have
no choice but to leave.

Speaker 7 (01:04:20):
What they already did. They pulled out before the fire,
they started non renewing, so I'm sure this is an
incentive to try to get them back in the state again.

Speaker 4 (01:04:29):
Michael, what's your question?

Speaker 18 (01:04:31):
Hey, ither question? I was involved in an accident.

Speaker 19 (01:04:35):
You got to beat the sill and the rest of
it is the Acpult insurance company and apparently the person
that hit me has state minimum.

Speaker 4 (01:04:50):
Hey, Michael, get closer to your phone or take it
off bluetooth if you can. If you're not driving, we can.
You're coming in and out. Sorry me, go ahead, man,
it's no big deal. I think he's saying the person
that hit him had minimal right and the damages are
going to far exceed I mean, I think dance where
he's going. Yep. Yeah, how much do you think? And

(01:05:11):
when you talk damages, are you talking injury or are
you talking property?

Speaker 9 (01:05:17):
Vote?

Speaker 15 (01:05:18):
So what happened was, Gee, I got an estumate for
the repair. The repair is going to be like minimum
ten grand, and then the medical. So far it's been minimal,
but I'm going to go back because I'm still having
issues and then the cost of the car rental and

(01:05:38):
all that, and the progressive agent that I spoke with said, no,
go to your you've got full coverage, go.

Speaker 4 (01:05:45):
To your insurance.

Speaker 10 (01:05:46):
Yeah.

Speaker 4 (01:05:47):
So I just want to explain something for people listening,
and Brian, I'm going to have you do it. When
we talk about minimal, what is the state minimal twenty
and it's the twenty five thousand for property and life bill. Okay, No,
it's okay.

Speaker 7 (01:06:01):
So here's whenever you see an insurance policy, you're going
to see it in there's gonna be three numbers there.
It's gonna be twenty five fifty fifteen. That's the state minimum,
and that you'res twenty five thousand per person injured up
to fifty thousand per accident. And that third number is
the property damage liability. Fifteen thousand is the minimum property

(01:06:23):
damage liability.

Speaker 4 (01:06:24):
How absurd is that? I don't even think the cheapest
car you can buy, and I'm talking new of course,
right is fifteen. I mean, if you've got if you've
got the minimal and you hit somebody in an eighty
thousand dollars car, ye, holy moly. But you're so go ahead,
and what you should do is exactly what advice the

(01:06:46):
insurance company gave you. I mean, right, if you go
after your own insurance.

Speaker 7 (01:06:50):
What I would do is I turn it in my
own insurance. The only downside to that is that you're
going to be responsible for your deduct yet. But you
can tell well, the insurance company will go after them
if they get if they subrogate and get money back,
that money will go back to the first to you.
I don't know if that is a state law, but

(01:07:10):
most insurance companies do it that way. Some i've seen
will only do the percentage of what they get back.
In other words, if they're only made half hole, only
half your deductible's going back.

Speaker 4 (01:07:21):
But so it's really in the policy language.

Speaker 7 (01:07:23):
Yeah, so most carriers, though, the first dollar back will
go back to recover your deductible.

Speaker 4 (01:07:27):
Or or you could take that person to small claims
course of course for that money, and you're going to
end up getting paid. Yeah, if they have money. If
I have anything, what is your question about it? Well,
first of all we should ask do you have that coverage?

Speaker 10 (01:07:42):
Yes, I have the coverage.

Speaker 4 (01:07:44):
Okay, then what is your question?

Speaker 15 (01:07:46):
Well, I didn't know it going through my insurance.

Speaker 10 (01:07:52):
Because I have full coverage and I have enough.

Speaker 4 (01:07:55):
I'm going to tell you a secret that I learned
from Brian years ago, and this is incredible. You're gonna
love this. Everybody should know this. You cannot be penalized
for this because you were not at fault, so they
can't raise your rates at it. The only downside to it.
The only downside is what Brian said is at deductible.
But if you take that driver to small Claim Score,

(01:08:16):
you're gonna get a judgment for that five hundred or
one thousand or whatever it is. And the other thing
is injuries. I want to say something, man, because you
definitely had injuries and you said you're going back in
for the life of me, Why you don't have an
attorney blows me away. Why don't you? I'm just curious.

Speaker 12 (01:08:40):
of insurance companies find out now three O three seven
having one help, You'll think you're his only customer when

(01:09:03):
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 (01:09:12):
All right, three three seven one three eight two five five.
We got two lines open. I am going to go
to Andrew to get an idea real quick of what's
going on so I can think about it over the break. Andrew,
what is going on, sir?

Speaker 20 (01:09:27):
I have not too long ago, just barely purchased a
twenty fifteen Kia Soul.

Speaker 4 (01:09:33):
What does that mean? Barely purchased? Do you mean like
a week ago or something?

Speaker 20 (01:09:37):
Or what like about three four months ago?

Speaker 4 (01:09:41):
Got it keep going and.

Speaker 20 (01:09:44):
It worked perfectly, but then the check engine like kept
on coming on. And then I took it back to
the dealership that we purchased it from. They replaced what
needed to be placed on it. But what irged me
is after you know, we had kept it a little bit. Yeah, Uh,

(01:10:08):
the check engine light went on again.

Speaker 4 (01:10:11):
Was it the same code this time or a different code?

Speaker 20 (01:10:14):
A different a different one?

Speaker 4 (01:10:15):
All right, hold on, I want to know who the
dealer is and we'll talk about different things you can do.
Uh three oh three seven one three two five five.
We've got two lines open now remember insurance help center,
call right now three oh three nine ninety six nine thousand.
Let's see how much Brian Burns and Compass can save you.
Three oh three nine ninety six nine thousand. We'll be
right back.

Speaker 12 (01:10:45):
of insurance companies find out now three all three seven

(01:11:07):
all three nine two zero sixteen twenty two.

Speaker 1 (01:11:21):
Ripped off news so you don't have.

Speaker 2 (01:11:28):
Come run in as fast as we can.

Speaker 3 (01:11:31):
Show shooter's gonna help come man, This is.

Speaker 4 (01:11:36):
The Troubleshooter Show. No, Tom Martinez, Welcome, Welcome to the
only show that it's goin. We're here to solve problems,
answer questions, take complaints, if you've been ripped off, if
you need some help, whether it's an attorney or a
good contractor or Today we're talking a lot of insurance.
Brian Burns is in with Compass Insurance and I love
when he's in. Brian, have we gotten anybody through the

(01:11:58):
help center yet that we've saved.

Speaker 7 (01:12:00):
I did just get an email from one of the uh,
the producers that said they didn't give me a ton
of information here, but it looks like someone called in
and they had it. Doesn't tell me the name of
the insurance company, but they had actual cash value on
the roof. Kind of back what they had it they
didn't know, so they sent the declaration page and we

(01:12:20):
were able to show them that you in fact have
actual cash value.

Speaker 4 (01:12:23):
This is where is That's where all those questions come.

Speaker 7 (01:12:26):
It was just over ten years. It was like eleven
or twelve year old roofs.

Speaker 4 (01:12:29):
I mean they basically have no coverage on their roof.

Speaker 7 (01:12:32):
Yeah, I'm fifty percent plus they're deductible, so we were
able to wor Torrato and home. We were able to
change it to a replacement cost on the roof and
save them three hundred bucks a month, so they have
way better coverage better actually have coverage exactly and still
saving over three grand years.

Speaker 4 (01:12:49):
So that's not a bad deal. So I love the
Insurance Help Center. Listen, folks, if you're listening and have
not done it, we do this every time Brian's in.
You call up three oh three nine nine six, call
them up, and they're going to tell you what information
they need. It's not much at all. Most of it
you can get in a matter of a few seconds
right online. And then basically they're going to tell you

(01:13:10):
how much they can save. If they can't save you
any money, they're going to tell you. They're going to
be so straight up with you. That's why we love them.
They're honest people, but they shop thirty different companies. Plus
they're going to give you an idea if if you're
properly insured, that's more important. Let's go back to Andrew.
So Andrew buys a twenty fifteen Kia Soul. Who'd you

(01:13:31):
buy it from? Andrew?

Speaker 20 (01:13:34):
It was a Rappa Ho Hyundai in Denver.

Speaker 4 (01:13:37):
Yeah, I've done there. I've bought plenty of cars there.
So you bought a used Kia Soul from them, and
you bought it roughly two months ago? Is at about right?

Speaker 20 (01:13:46):
It's about more like about four months ago.

Speaker 4 (01:13:48):
Four that's fine. And the check engine light came on?
How the first time it came on? How long after?

Speaker 20 (01:13:56):
It was like three days into meet purchasing the vehicle?

Speaker 4 (01:14:01):
And then you brought it back? And what did they do?

Speaker 20 (01:14:04):
They said that they needed to change the catalytic converter. Oh,
and I was like, well, why don't you just put
me into a different vehicle?

Speaker 4 (01:14:12):
Well, it doesn't matter, big deal. It's a catalytic or
catalytic a catalytic converter. So did they do that? Though?

Speaker 20 (01:14:20):
They they didn't put me into another vehicle, They just
fixed it.

Speaker 4 (01:14:26):
Yeah, right, No, what I'm saying is they didn't have
to put you in another vehicle. In fact, I'm going
to tell you another thing, they didn't really have to
do anything. I mean, you bought it used, you should
have had it checked out. But it was actually very
nice of them to do that. Did it have any
kind of warranty on it.

Speaker 20 (01:14:45):
No, No, Well, you know what I'm calling about is
the fact that we didn't know that the Kia Soul
two thousand and twelve to two thousand and nineteen where
engines are on recall. And if I have known that,

(01:15:07):
then you know I would have purchased a different vehicle.

Speaker 16 (01:15:10):
Other than that.

Speaker 20 (01:15:11):
Yeah, that's why I wanted to call you and ask
for advice in how we can go about Well.

Speaker 4 (01:15:17):
Let's talk about let's let's talk about this recall. First,
are you covered by it as the second third or
whatever owner?

Speaker 20 (01:15:25):
Yes, I took it to Kia's Bradley Kia here in
Puebla where I'm at, and what they say, that's how
we found out. That's how we found out that the
Kia was on recall. And he said that if you
haven't gone over one hundred and fifty thousand miles and
the engine goes out, that Kia will replace it with

(01:15:46):
a brand new engine for free. And that's and that's
that's fine.

Speaker 4 (01:15:50):
Wait, wait, Andrew is at the oil consumption issue? Yes, okay, now, look,
it's either eating oil or it's not. But I think
you're in a great shape. How many miles are on it?

Speaker 20 (01:16:07):
One hundred and twenty two thousand and.

Speaker 4 (01:16:09):
Five h four. Yeah, I think you're in great shape.
I mean, you have a warranty on the entire engine,
on a vehicle that shouldn't have a warranty on it.
You kind of got lucky if there is oil consumption.
But if there isn't, and it's very easy. I had
a Hondi that had the same thing. The Santa Fe
would drop about a half a court in a month,
and I got a brand new engine when I had

(01:16:31):
about ninety eight thousand miles on it.

Speaker 20 (01:16:33):
Man, well, they said that we have to wait until
that engine goes and it starts knocking.

Speaker 4 (01:16:41):
Well, I don't know the rules on that particular one
where it goes and knocking. But on most of the Hondis,
and understand, Ki and Hondai are virtually the same, I
mean really they are. But on most of them, the
oil consumption. You bring it into the dealer, they check
how much oil's in it, You drive it for X
amount of miles, you bring it back and they recheck,

(01:17:03):
and then that's what Kia wants to know. So if
Spradley's telling you that basically the engine's got to start knocking,
that's kind of strange. I have not heard that before,
but it could be a little different on that.

Speaker 20 (01:17:18):
Yeah, that's exactly what they're saying that if an engine starts.

Speaker 19 (01:17:22):
Knocking, then we bring it back and then we.

Speaker 20 (01:17:25):
Have to wait on a waiting list for so, you know,
with other people in order.

Speaker 18 (01:17:30):
To test it.

Speaker 20 (01:17:32):
They test it and they find out that engine is going,
then they'll.

Speaker 4 (01:17:35):
Replace it for free.

Speaker 20 (01:17:36):
But basically it's just like I'm sitting on a ticking
time bomb.

Speaker 4 (01:17:40):
Well, you can't look at it that way, man, And
this is for everybody out there listening. We get your
call all the time. The bottom line is you should
have had it checked out. You should have had it
checked out, either a mechanic go there and check it out,
or drive it somewhere else, pull a car fax, maybe
run the VEN number through an automotive shop that's doing
the checkout. Then you would have heard about the recall

(01:18:01):
or the service bulletin on that engine. Legally, and this
isn't legal advice because I'm not an attorney, but from
everything I have ever dealt with, the bottom line is
you bought that as is. Did you happen to purchase
an extended warranty on it?

Speaker 20 (01:18:19):
I did not Yeah, well you were right as is.

Speaker 4 (01:18:22):
Yeah, yeah, you bought it as is. But that's everybody.
You're not the only one that makes this mistake. But
unlike a lot of people, what's crazy about the call
is your Actually, I don't find you in bad shape.
I mean, you're going to get at least another twenty
five thousand miles of warranty on the engine. They replaced
the other thing that generally goes out on those vehicles

(01:18:44):
around one hundred thousand miles, and that's the cat. That
cat was probably twenty five hundred dollars they put into that,
and they didn't charge you on it, right, No, they
didn't even have to do that. The one thing I'm
sure they would do is trade you out of it.
I bet if you went back down there and said, hey,
will you trade me out? But you might you might

(01:19:04):
not end up in a better vehicle when you're done
for that kind of money. How much was that thing?
I mean it must have been, you know, fairly cheap
as far as today's vehicles go.

Speaker 20 (01:19:17):
No, it was our loan we got finance was close
to when said it done, It was like ten ten
thousand and two.

Speaker 4 (01:19:24):
And how much did you put down five hundred, So
it was like it was like a twelve thirteen thousand
dollars car, right, and it's got a new cat. And
think about this, you got a warranty on that engine.
What I'm trying to drill through your head is you're
not in a bad shape. I wouldn't look at it
as a ticking time bomb. I would look at it as, man,

(01:19:46):
I hope this engine does go out, then I got
a brand new engine in here. And then if it
doesn't go out by one hundred and fifty thousand miles,
I think it was probably built pretty damn solid and
taken care of over the years. The maintenance was probably
done on it. So honestly, I think you're in good shape, man,
But there's nothing you can do besides trade yourself out
of it. Maybe call him up and say, hey, I

(01:20:07):
don't like what's going on. I wish you guys told
me about this engine. Would you at least give me
twelve thousand on the trade? And if I come down
and buy something else, I mean you can ask them.
Maybe they'll come close to doing that. I understand, But
that's it, man. Thank you very much. Yeah, Andrew, I
appreciate the call, and really I want you to remember

(01:20:28):
you're not in a bad position. Jeff, you're up next.
We've got two lines open, three zero three Martino, three
to zero three Martino. I talk to Jeff during the
break a little. Brian. I think it's got something to
do with his house, and I don't know if he
said drugs, but we'll find out after this.

Speaker 12 (01:20:51):
Go with a sure thing Denver's Best roofer Excel Roofing

(01:21:12):

Speaker 4 (01:21:25):
All right three O three seven one three A two
five five three oh three Martino. Robert Bruce with Integrity
Electric Home Improvements is with his too, Brian Burns Compass Insurance.
But what was interesting they were asking about the craziest
calls over the year dragon on our YouTube channel plays
this all the time. Go ahead and play it.

Speaker 18 (01:21:47):
Yeah, I can't go number two anymore.

Speaker 4 (01:21:49):
I can't go number two anymore. And that is Drew.
Drew's been calling the show forever. He's a frequent caller,
and he called up wanting to sue a pharmacist. I
think it was the or Walgreens or somewhere. Apparently the
pharmacists gave him the wrong medication and he could no
longer go number two anymore. And we kept telling him, well,

(01:22:10):
we don't know what the damages will be, because surely
at some point you're gonna go either he's fixed or
he's dead. Yeah, you're you're either gonna go number two
or you're gonna die. And now if you die, maybe
your heirs can go after the pharmacists. But we would think,
what is it? A suppository would probably work. I mean,
he needs a major enema, a major anima, like a hose, like.

Speaker 6 (01:22:33):
The kind of give you before a colonoscopy.

Speaker 4 (01:22:36):
All right, Jeff, Now explain what's going on on this
homeowner's insurance.

Speaker 18 (01:22:40):
Yeah, you know, call him for a friend. I want
to know if if a no good, complete loser, the
size of smoke drug is a primary residence and gets
you know, residue on things and eats professional cleanup.

Speaker 4 (01:22:54):
Hey, what kind of whoa?

Speaker 2 (01:22:55):
Whoa?

Speaker 4 (01:22:55):
Whoa? What kind of residue? Are we talking marijuana or math? Like,
let's say, oh my god, that is a oh wait,
I know what you're going to say, Brian. Most policies
don't cover that.

Speaker 7 (01:23:07):
Yeah, not the chemical type of compounds. And they they
have added in language to exclude damage for that kind
of loss. So you usually I actually had a rental
home it's called a dwelling fire policy that did cover
it because it's just it was a very anniquated policy

(01:23:29):
that had renewed over the years. But homeowner policies have
have exclusions for that kind of loss.

Speaker 6 (01:23:35):
How about does he does he have rents insurance? Would
that come into play?

Speaker 7 (01:23:38):
No, it wouldn't. Now liability wise, usually the only thing
renter's policies liability will cover is fire fire damage that
you caused.

Speaker 4 (01:23:46):
But give us what happened, Jeff.

Speaker 18 (01:23:50):
Primary primary residence. You know, like I said, somebody came
in decided that they were you know, they had to
do this and couldn't go outside and do it, and
basically coated the walls with you know, bad stuff.

Speaker 7 (01:24:03):
God is so bad, man, it really is bad. You're
not joking it. It really does do an incredible damage.

Speaker 4 (01:24:10):
You got to call a restoration company or he does.

Speaker 18 (01:24:13):
That's pretty bad because you know, once you do that,
you get on a list and then the state knows
about everything and it's not going to be cool.

Speaker 4 (01:24:20):
So for no, no, but be oh for a one
time event, maybe not. But I mean, if they were
cooking in there, I'm going to tell you how bad
meth is on car insurance, okay, and they don't exclude
it on this case. And you know this, Brian. You
could have a brand new, fifty thousand dollars car, brand new,

(01:24:41):
and it gets stolen and they start smoking meth in
that car. That car, when it gets recovered, let's say
the only damage is the fact they were smoking meth.
A lot of times, they will total that vehicle because basically,
it costs more to clean it if it's not impossible, basically, right, Yeah,

(01:25:01):
all right, Jeff, appreciate the call, brother, thank you, thank you.
That sucks. So I remember asking you that in the past.
So when it comes to homeowners and most rental policies, yeah,
they're screwed there. Yeah, and rental home policies sometimes will
have it just because it's a tenant that's in there.
It's in other words, it's not under your care custody

(01:25:22):
control at the time. If it's your primary home and
it's a visitor you're bringing in, or it's you yourself,
of course they're not going to cover. Well, how about
your primary residence and you're on a long trip and
someone starts camping out or squatting rates in your.

Speaker 7 (01:25:36):
House and does this is it covered? No, because it's
still the same language on the CAEL it's the chemical exclusion.

Speaker 4 (01:25:42):
Yeah, we hear about that in California. I mean it
happens out here. We have a listener that's on YouTube
all the time. This homeless guy basically moved into his
garage and wouldn't leave, And Denver was like, They're like, well,
you know, he's kind of he's now a resident of
your garage. I mean, he had to go through a
proper eviction. It was crazy. But I mean, so if

(01:26:03):
I'm out of town and a bunch of homeless people
break into our house and live there and start smoking meth,
cooking meth, right.

Speaker 7 (01:26:11):
I don't have covering, not for that. Now, if they
let's say they started to fire, they broke in and
started firing.

Speaker 4 (01:26:16):
I know I'm talking just but Holy.

Speaker 7 (01:26:20):
If there's an exclusion on a policy, it doesn't really
matter how it comes about. If that exclusion is what
is the cause of loss, you're you're it's still valid.

Speaker 4 (01:26:30):
But if I have a rental, you have companies that
I could get rental insurance that would cover me.

Speaker 7 (01:26:35):
There's some that have not updated their policies yet to
tell an exclusion. You'll probably find that they do.

Speaker 4 (01:26:41):
All right, three oh three seven one three eight two
five five, Ron, what is your question?

Speaker 19 (01:26:47):
Yes, I need I have a question about an accident,
and I'm working with.

Speaker 9 (01:26:56):
You.

Speaker 4 (01:26:56):
Keep hitting buttons, Ryan Ran, Yeah, what happened? It's all right,
you keep hitting bart called us you're good.

Speaker 2 (01:27:07):
Rin.

Speaker 4 (01:27:10):
How odd was that? I yeah, let's just uh. I'll
put him on hold. I'd love to answer his question.
And he's got an accident in a parking lot. I
have no idea. But while Kelly's screening, these other calls
coming up. Robert Bruce, owner of Integrity Electric Home Improvements.
You're a handyman and you can go out. Make sure
you have your mic on, get in front of them.

(01:27:31):
And he's been on a referral list since O wait,
complaint free. I don't remember one complaint ever. You can
do electrical work, of course you can do. You might
not do like a full basement, but you would go
down and install maybe new fixtures, put a ceiling fan in,
stuff like that. Oh yeah, and you know what's the
biggest call you get as a handyman, like swap out

(01:27:52):
a ceiling fan. Well, it used to be.

Speaker 14 (01:27:54):
Like I'd go put lights in for a kitchen on
our kitchen remodel, got it, and it just came to
the to the point where they would have to hire
a drywall guy.

Speaker 4 (01:28:06):
So you do all that, So I do it all.
I ended up just so you can do payark drywall work. Yeah,
it's just one stop shopping and then you could do
light fixtures, ceiling fans. How about car chargers? How about
someone buys an electric car.

Speaker 14 (01:28:20):
Absolutely, that's a big one out there right now. That's
Huges and electric cars.

Speaker 4 (01:28:24):
So you can put the breaker in for it, run
it up, whether it's the thirty amp, fifty amp, whatever
they want. Yeah, that is cool man. What other things
do you get? Called for a handyman, of course, not landscaping. Well,
like I know, when we first moved into this house,
I hired a handyman and they came out and they
swapped out all the light switches. I had all the

(01:28:46):
not just the covers to the light switches, but we
went from the old school to the paddle switches and dimmers.
So I had someone do all that. That was a handyman.
That same guy also adjusted all the cabinets. I had
so old kitchen cabinets, bathroom cabinets. The house was twenty
years old or ten fifteen years old when we bought it.

(01:29:06):
He went through and adjusted all that. He swapped out
the hardware on the cabinet's meaning the knobs. I mean,
you do all that kind of stuff.

Speaker 2 (01:29:14):
You know.

Speaker 14 (01:29:14):
What I enjoy really doing is, you know, I'll get
a customer to calls and says, hey, I'm losing power
and five of my outlets in my bedroom and.

Speaker 4 (01:29:25):
Yeah, like a GFI problem.

Speaker 14 (01:29:27):
Yeah, Jeff, Well, I tell you a nice story.

Speaker 8 (01:29:30):
I'll tell you a nice little story.

Speaker 4 (01:29:31):
Here with where are you from? Where's that accent? Cleveland? Yeah? Okay, bingo?

Speaker 10 (01:29:35):
Yeah?

Speaker 4 (01:29:35):
And no Brown's go Brown's yep. And I like my
broncos too.

Speaker 14 (01:29:40):
So uh So he had a newer house and these
newer houses and now have these arc fault.

Speaker 4 (01:29:45):
Breakers put in them. Yep.

Speaker 14 (01:29:47):
So if there is a little tiny gap and you
don't tighten that screw up quite a bit.

Speaker 4 (01:29:54):
Yep, it doesn't doesn't work. And it's not hard to say.

Speaker 14 (01:29:57):
So he went through and redid all his pla in
similar to what you're calling decry switches and outlets in
sure did a beautiful job. Hit the breakers, turned it on,
they went dead to me, no power, no power.

Speaker 4 (01:30:13):
What did he do well, He.

Speaker 14 (01:30:14):
Just didn't tighten his screws up on his outlets and
fixed it.

Speaker 4 (01:30:18):
Yeah, that's cool. So handy matter great. They're hard to find,
and I'm glad you started doing that. I put you
under the handyman category not long ago, because for a
while you were only under electric because basically, like you said,
that's all you did. So anybody out there, ceiling fans anything,
you'll come out. Go ahead, Brian, I have a question
for you, okay. So I have dimmers on our light

(01:30:43):
switches in some of the rooms in our houses. It
drives me crazy that whenever I use the demmer it
pulses is what is the wait? Wait that we got
to take this break? But I I know what he's
talking about, and I want to hear the answer to
that too, or one of mine. If I turned the
dimmer all the way down, so what I did, I
don't know if you did this. I took the old

(01:31:05):
recess lights out and I put in led exactly. So
I did that, but now just on some of them,
actually only on three of them, four of them when
I turn the dimmer all the way down. None of
the other ones in the house do this, just this fixture,
and they're all tied together. When I bring it all
the way down at night when it's dark, there's a

(01:31:27):
little light still, just a little tiny bit of light,
and it drives me crazy. Hold on.

Speaker 12 (01:31:38):
of insurance companies. Find out now three O three, seven

(01:31:59):
customer when you choose Frank durand the real estate man

Speaker 4 (01:32:09):
All right, three three seven one three eight two five five.
I'll let you know when a line's open. We've got
a lot cooking. Where did we leave off, guys, I'm
gonna hop over to Ron's got a question.

Speaker 7 (01:32:20):
Well, you were going to finish the question that we
had given Robert here about the dimming lights.

Speaker 4 (01:32:26):
Oh yeah, man, So when I turned down, I swapped out.
I did not swap out the fixtures. So we have
these recess lights on this ceiling that's like twenty feet high. Okay,
in our family room and there's four lights that are
recessed with bulbs like these basically, but I swapped those
out when we moved in, including the entire house with LEDs. So,

(01:32:49):
but that particular room, all four of those different can lights,
all four of them, when I turned the lights all
the way down. For the love of God, I have
no idea why they're still on barely, just just barely.
But all the other lights in the hallways with dimmers
in the bedroom, all the other lights don't do it.

(01:33:09):
Why would that happen.

Speaker 14 (01:33:11):
So if you take that plate off of that dimmer,
you'll see there's a little dial on the dimmer on
the back of it.

Speaker 8 (01:33:18):
Yeah, that's not exposed to well, these are.

Speaker 4 (01:33:20):
Like, okay, I want to make sure you get it.
It's a paddle dimmer, So you hold it and basically
it goes down, or you hold it and it goes up.

Speaker 14 (01:33:29):
And oftentimes there's a little When you take that all apart,
there's a little dial in there that you can dial
it down.

Speaker 4 (01:33:37):
So another word at that is not to go to zero.
It's set to go to one for lack of.

Speaker 14 (01:33:42):
The bet mightn't be just because of the new dimmer
switch that you put in.

Speaker 4 (01:33:46):
Yeah, which would be at the same time. Right, Oh
my god.

Speaker 7 (01:33:49):
My problem's different. Mine is the lights. Whenever I use
the dimmer, you try to bring it down a little
bit and it like pulsations. But they're LEDs, right, they're
all LED's same type of thing that got Trent.

Speaker 9 (01:34:01):
You know.

Speaker 14 (01:34:02):
A lot of times it's the lamp is not dimmable,
so they'll sell you an LED light bulb that's not dimmable.

Speaker 4 (01:34:12):
So got to buy a dimmable light bulb.

Speaker 7 (01:34:14):
Now, So it it does dim, but it but you're
saying just because it dims, but that pulsating is meaning
that's probably not the right light.

Speaker 4 (01:34:23):
I actually I did exactly what you did. I was
at Costco when we did those paddles way back when.
In the first set of LEDs I bought would not dim.
They were either like I don't remember him blinking, but
this is fifteen ten years ago, but they would not work.
And I went back and they literally said dimmable on them, right,

(01:34:46):
and they work perfect except for the ones we just
look and see.

Speaker 7 (01:34:49):
I obviously had a contractor that redid all of our lighting.
But they put these in and they do dim. They
do dim, but when you stop it where you want
it to be. Yeah, there's just like this. This likes
kind of almost like an old fluorescent. It's kind of
weird crazy.

Speaker 4 (01:35:06):
So is it possible though, that the actual can itself
can't handle dimming or no? No, it's it's just not
a deal.

Speaker 14 (01:35:14):
Well, it depends if it's a saucer. Now, if it's
a regular can you know you have an incandescent light
bull been there LED or fluorescen if you had you know,
like the fluorescence, they weren't No.

Speaker 4 (01:35:28):
That's not what he's talking about. You're talking to can light.

Speaker 7 (01:35:31):
Yeah, I mean it's one of those that you you
it's recessed in. You screwed it in, but it's it's
a transformer to change it into where you got saucer then.

Speaker 14 (01:35:40):
Yeah, okay, so you don't have a light bulb, you
have a saucer.

Speaker 4 (01:35:44):
That's right. I have a saucer that it's probably not,
probably not. It goes back to what you said. You
got to find a dimmobile one.

Speaker 7 (01:35:51):
All right, I'll look at dimmer switch is bad too,
or you could lights. All the lights do this. They're
all the same sort of yeah, it's and they're all
the same white.

Speaker 4 (01:36:02):
It's got to be the bulbs. Yeah, you know what
you could do. Man, you don't have one in your hat?
Do you have just a regular LED bulb in your
house like in a lamp.

Speaker 2 (01:36:14):
Oh?

Speaker 4 (01:36:14):
Man, if you did, maybe in the bathroom up on
the thing, you could put it in there. Put one
in there and see if it actually dims if you
have one, and if not, just hit Costco for whatever
reason you got.

Speaker 14 (01:36:26):
Because you can interchange that between that driver. That box
that's for the LED, that's called a driver, much like
a ballast would be full fluorescent light.

Speaker 4 (01:36:36):
Costco, by the way, is the cheapest for light bulbs anywhere.
We just bought new ones for all the bathrooms. You
can have a little switch on the side that does
four different things, four different what do they call them?

Speaker 14 (01:36:48):
Frequency, the color of the switch, whether it's warm or.

Speaker 4 (01:36:52):
Bright, exactly daylight whatever. So, uh, six pack of those Okay,
I forget how many. Maybe they're forty one or like
forty however they call it with the switches is like
six bucks. There is no place cheaper to buy led
lights in Costco, and I have no idea why they
have the deal. Ron, what's your question for Compass? Then?

(01:37:14):
Warren Emery and Charlie, you guys are next, Go ahead, Ron.

Speaker 19 (01:37:18):
Yes, this past Monday, I was ended in a Kings
Soupers parking lot. The driver was at the others. I
was at a fault and he said he was not
going to call his insurance companies, who didn't mean to call.

Speaker 4 (01:37:31):
Mine, So he's saying it was your fault. You guys
are at an impass.

Speaker 19 (01:37:37):
Oh he didn't say that because he said he was
falling too close to me. But I think I must
be a reason he doesn't want to to contact his
insurance company. So I contact us. This insurance county is USAA. Yeah,
so I talked to the agent there and they said
he is not responding to them.

Speaker 9 (01:37:56):
Quist.

Speaker 4 (01:37:57):
Oh, that's a hold on. Hold on, this is you
are in a quagmire, and this is very interesting. We've
had this call quite a bit over the years, Brian.
Good news, bad news. We know how to fix it,
but it's a little complicated. Hold on.

Speaker 12 (01:38:17):
dot com.

Speaker 13 (01:38:21):

Speaker 12 (01:38:26):

Speaker 4 (01:38:49):
five five. Ron's got a big issue, man. There is
no doubt about it. Ron until the other driver contacts
here and Ssurance company or answers the phone when they call.
There's nothing that insurance company is going to do. Period,
end of story. Brian kind of explain that quick.

Speaker 7 (01:39:08):
Yeah, this is not an abnormal thing, especially with parking
lot accidents. Is that because there's no ticket involved. If
you're trying to get money from their insurance company, they're
always going to have to talk to their insured first.
If they're insured, isn't going to talk to you. They're
not going to make any kind of effort beyond that.
So your only option is to either turn it into

(01:39:29):
your own insurance yep, unless they'll subrogate, or you sue
that person because that will wake them up, that will
make them respond.

Speaker 4 (01:39:38):
If it's under seventy five hundred andan you know where
they are. The easiest way to do it is small claims.
I mean you can fill out to paperwork and trip
lock it right on a website and then you go
down to the county where the accident happened, or the
county where that person lives if it's different, and basically
get them served. And anybody can serve them except you.

(01:39:59):
Your wife could serve them, for example, your neighbor, your friend,
but not you or whoever's suing, and then they're going
to be forced to call their insurance company and get
the ball rolling. Or they're going to show up to
small claims and you're going to prove your case and
get a judgment. Then they're going to call their insurance company.

Speaker 7 (01:40:17):
But I'll tell you this, especially like I said in
parking lots, the story will change. Oh they're going to say, well,
I wasn't following too close.

Speaker 4 (01:40:27):
So well that made me nervous, by the way, Ron
when you said that, because I have never heard in
an accident on a public road where a police officer
shows up where the following two close basically got off. Yeah.
I mean you know, oh he rear ended you, right,

(01:40:49):
I was at the.

Speaker 19 (01:40:50):
Stop signing trying to get out of the fucking lot,
and he saw me. Well it's a street and just
things fath and hit me, you know, right in the rear.

Speaker 7 (01:41:03):
Yeah, that's just that's a pretty easy one to show
his fault in. Yeah, I think you're you're probably good there,
But it's up to you whether you'd want to go
through the whole suing him small claims court. Some people
just say I'll just turn it into my own insurance.
I'll let them deal with it, and then you'll have
to pay your deductible. It will not count against you though.
In other words, your rates will not go up due

(01:41:24):
to that because it was not your fault.

Speaker 4 (01:41:26):
And the first dollar that they recover through subrogation will
go to you towards that deductible. So eventually you'll get
your money back.

Speaker 7 (01:41:36):
But if they get their money, if they are able
to successfully sub regorse, yeah.

Speaker 4 (01:41:41):
And then here's the other thing though, this is just
for other people around a lot of the parking lots
where Brian was going, like I'm backing out of the
space and someone's pulling in and we're both moving and
hit each other. A lot of times that becomes a
fifty to fifty deal. Absolutely, everybody goes through their own
insurance company, even though all of us know it was
one of their faults. Someone wasn't pay.

Speaker 7 (01:42:03):
I'll even say at the at the moment, oh that's
my fault.

Speaker 4 (01:42:06):
I'm sorry.

Speaker 7 (01:42:06):
But you give people twenty four hours and I'm telling you,
their story changes and all of a sudden they're like,
you know what, maybe I wasn't going too fast there.

Speaker 4 (01:42:14):
You know, it just changes and we learned recently, this
one guy called up, uh, the cop gave the other
guy a ticket to cop wasn't there, but after doing
the investigation, gave it to him. And then dash cam
video was fascinating. Man. Dash cam video showed up from
another driver, a third party that had nothing to do

(01:42:34):
with the accident caught it. It took a long time
for him to get it to whoever needed it. But
what happened was was actually it was the other guy,
and the dash cam proved it, and the dash cam
proved it on and the one guy flipped over like
three or four times, remember that time. Yeah, yeah. And
the funny thing.

Speaker 6 (01:42:53):
Was he said this in the uh, the dashcam footage,
and we couldn't figure.

Speaker 4 (01:42:58):
Out why it was. We couldn't find the accident. We
didn't realize it was the third party dash showing it.
We didn't even see the accident. But then you could
see it up in the corner. Once you do it,
it look that goes back to the dash caps.

Speaker 9 (01:43:09):
Yeah.

Speaker 4 (01:43:10):
Yeah, all right, fifty, we've got it. We've got a
long show. We got another hour coming up. We have
an issue with the warranty. We have another question for compass,
issue with getting a title on the WRX and a
problem with the carpet cleaner. Everybody hanged tight, one line open,
three oh three Martino.

Speaker 12 (01:43:29):
dot com.

Speaker 4 (01:43:33):
You don't pay a.

Speaker 13 (01:43:33):
Cent until you're contenth.

Speaker 12 (01:43:38):
Time for an insurance check up free, no obligation comparison
dot com to list your home with Remax Alliance. Three

Speaker 1 (01:44:04):
Ripped off News You need advice?

Speaker 2 (01:44:08):
Who you don't have? Come running just as fast as
we can.

Speaker 3 (01:44:15):
Shooter's gonna help.

Speaker 4 (01:44:17):
Come man, this is the Troubleshooter Show.

Speaker 5 (01:44:21):
No Tom Martinez, Welcome, Welcome to the only show of
it's kin.

Speaker 4 (01:44:26):
We're here to solve problems, answer questions, take complaints. We're
here to make your life a little bit better. You've
been ripped off or taken advantage of, we want to
hear from you. Three oh three seven one three eight
two five five that is the telephone number. I'm trying
to think where we left off here, guys, I'm just
gonna go to the person that's been holding the longest.
That's Emery. By the way, this hour brought to you

(01:44:47):
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(01:45:33):
I've got one of his systems at home. Paul the
Waterman waterpros dot Net now Emory, what's going on? What's
the problem with this warranty? Hey, Emory, what's going on?

Speaker 9 (01:45:46):
Man?

Speaker 21 (01:45:48):
How about like the god Ram pickup or Ram pickup
good automation de litter and the agency's looks like twelve
hundred miles and I had a warranty on it, and
they keep coming back and saying because I had any
monitors or read so I could batch my temperatures and
stuff better. Yeah, and they keep onting That's what the

(01:46:10):
cause is. And more of my question is can you
help me or send me an arection the right lawyer
to call so I can start legal.

Speaker 4 (01:46:20):
Yeah, I can do that. Let me ask you some questions, though, Emory.
When did you buy the vehicle March for March third?
So you just bought it a couple of months ago.
Then when you bought it twelve hundred miles later the
engine seized or went out right?

Speaker 2 (01:46:36):
Correct?

Speaker 4 (01:46:36):
What did you add to it? What? What kind of
things did you add to it? What kind of modifications?

Speaker 21 (01:46:42):
A monitor call it's by a company called it's holly owned,
but it's called Edge and it's a CPEES.

Speaker 4 (01:46:48):
How does it connect? How do you connect that.

Speaker 18 (01:46:52):
To the OLBB two?

Speaker 22 (01:46:54):
Oh?

Speaker 4 (01:46:54):
It just goes through it. Does it actually program it,
does it like make it faster? Does it tune it?

Speaker 2 (01:47:00):
No?

Speaker 4 (01:47:01):
All it does is all it does is light up
a monitoring screen so you can monitor everything. And you're
saying because they're denying the coverage on the engine after
twelve hundred miles, because they're saying you made a modification.
And somewhere in that contract it probably says if you
modify anything, they're not going to cover it. Is that

(01:47:22):
what they're hanging their hat on. Yes, I think that
is a bunch of crap. Hold on, I want to
get Shared and Autotech up, Kelly. See if you can
get uncle Kevin up. I've got a question for him,
and then we do have an attorney for you. I
just want to make sure that product you have does
not tune or modify. Literally if all it does is

(01:47:45):
gathered data from the ODB two and show it to
you on a screen or on a phone or whatever
it works. I have no idea how they could hang
their hat on a modification. That's nothing. I mean, that
would be so dumb, it's crazy, and it would have
nothing to do with the engine. So I want Kevin
On to let me know that that would be the fact.

(01:48:05):
Now the next person that has been waiting is going
to be Wyatt. Whyatt? What's going on with you?

Speaker 2 (01:48:10):
Man?

Speaker 16 (01:48:12):
Hey, good to talk to you guys. So I'm dealing
with an issue. I bought a car from a dealership
in December, first time ever financing a car in my life,
so you know, I don't know what the heck I'm doing. Anyway,
I still haven't received my title. I've already gone through
two temp tags with the dealership.

Speaker 4 (01:48:34):
What are they saying? Why are they telling you they
can't get the title? What's the hold up? According to them.

Speaker 16 (01:48:42):
They have not given me an explanation. They just tell me, oh,
we can't see it on our end. We'll have someone
give you a callback, and no one calls me back.

Speaker 4 (01:48:51):
So and then you have to go in and get
another title. I mean typically it's four to six weeks.
It's reason. Here's how it reads basically, and I'm going
off memory here. It basically says they have a reasonable time,
So we got to decide what's reasonable December to May fifteenth.

(01:49:13):
When did you buy it in December? Has it been
six months or just about December sixth? So it's more
than six months. What I would say is you have
waited a reasonable amount of time. So the question is
if they can't deliver title, what are your options. Well,
they have to undo the deal. They might charge you
a little bit per mile, which they're allowed to do,

(01:49:36):
but that's going to be insignificant. Do you like the car?
Do you want the car? You just want the title.
So really, let's pretend they're willing to undo the deal
because they can't get the title, and they need to
because if they can't get it, you can never register
it and you can't have a tempt title or a
temp plate forever. And usually if someone can't get a

(01:49:56):
title means they shouldn't have the car. It's not like
if if you physically lose the title, it's pretty easy
to go to DMV as a dealer and get a
new title on the vehicle if they lost it. But
if they took it in on trade, for example, and
found out after you bought it that it's actually titled

(01:50:17):
out of Oklahoma and someone's name that never sold it
and possibly it's stolen, there's never going to be an
answer to this because they shouldn't have sold it. So
do you want the car or do you want the title?

Speaker 16 (01:50:31):
Well, I want both.

Speaker 4 (01:50:34):
I just they're not trying. I guess what I'm asking is,
you're not trying to get out of the deal, right. No, Okay,
let's do this. I'm going to put Doc, you want
this one?

Speaker 6 (01:50:44):
Yeah, I have one question for you, May if you
finance it, doesn't the finance company hold the title until
the loan is paid off.

Speaker 4 (01:50:51):
Yes, they'll hold it, but they haven't received it either.
Because his registration paperwork's not a DMV. They can't even
I'm assuming they can't even process the vehicle for you.

Speaker 9 (01:51:01):
Yeah.

Speaker 4 (01:51:02):
Yeah, so Doc, you're correct if he finances it. And
I don't know if you know this, but in Colorado,
the bank's gonna hold the title, right, But there is
digital titles now, so they might have done it that way,
but that part doesn't matter. The paperwork's not getting the DMV.
The title work's not getting the DMV, meaning they can't
deliver title.

Speaker 2 (01:51:22):
Doc.

Speaker 4 (01:51:23):
Okay, what we all you got to do is call
up and shake them up a little and figure out
why they can't deliver title in six months and tell
them Colorado. In Colorado, they need to if they you know,
I'm sure they know this, but remind them in Colorado
it's in a reasonable amount of time. Consider it done. Yeah,
during COVID you might argue six months is reasonable, but

(01:51:46):
not right now, it's ridiculous. You can walk into any DMV.
Something's going on with that vehicle. So here's what we're
gonna do. Emery, I'm gonna put Deputy Doc on this
and he is gonna get or I'm sorry, Wyatt, I'm
gonna put Deputy Dock on this and he's going to
get all your information. I'm going to put you on hold.
Kelly's going to get it from you, and then Doc's
going to reach out to you and then he's basically

(01:52:08):
going to want to see the bill of sale, the
financing whatever, just the basic paperwork with the VN on
it and the dealer phone number and who you're dealing with,
and we'll figure out what's going on, all right.

Speaker 6 (01:52:18):
I wonder if it's a one of eleven counties that
we have trouble with. Where'd you where'd you buy the car?

Speaker 4 (01:52:24):
Yeah? Where is it?

Speaker 16 (01:52:26):
Colorado screens? It's called AutoNation USA.

Speaker 4 (01:52:29):
Yeah, AutoNation shouldn't be having There's something. There's something fishy
about this man. I'll give you a call after the show. Yeah,
hold on, bro hold on Wyatt. Make sure Kelly you
get all the information on one. I got to take
a quick break and then we'll be back. Three oh
three seven one three eight two five five. Michael, you're
up next.

Speaker 12 (01:52:46):
Then Charlie, go with a sure thing Denver's Best roofer
Excel Roofing dot com.

Speaker 13 (01:52:56):

Speaker 12 (01:53:00):
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Speaker 4 (01:53:24):
All right, three O three seven one three A two
five five one line open three oh three Martino, you've
been ripped off taking advantage of We want to hear
from you. Now. I'm going to go to our expert,
Kevin Coukin. Hey, Kevin, I've got a question for you. Man.
Kevin's was shared in auto tech emery called in he
bought a vehicle twenty twenty one Dodge ram uh used vehicle,

(01:53:46):
of course, and he bought a warranty with it, and
the engine went out twelve hundred miles later. I'm sure
he bought it as is, but they sold it to
him with the warranty. But really none of that means
anything at this very second. He put in a monitoring system.
So you've got one part that plugs into the ODB
two ODB two and then what is the other part, Emory?

(01:54:07):
Is it like a screen that's right there? Yes, And
what is the system called?

Speaker 22 (01:54:14):
It's an ad ETS three.

Speaker 4 (01:54:17):
Have you heard of that, Kevin?

Speaker 10 (01:54:20):
I'm not that specific one though.

Speaker 4 (01:54:22):
Well. In what they're doing, the warranty company is denying
the engine not based on previous conditions, which most likely
is what it was if it was only twelve hundred miles,
but maybe not. What they're denying it on is the
modification clause, which seems absurd. And I asked Emory, I said,
is it a tuner? Does it do anything besides to

(01:54:44):
show you the information? And he says it does nothing
but show the information. I mean, have you ever heard
of that? How could they possibly hang their hat on
that they can't. That's yeah, they're just throwing crap at
the wall to see what'll stick.

Speaker 10 (01:55:00):
They need to show the modifications contributed to the failure.

Speaker 4 (01:55:03):
Yeah, Emory, you do need a modification.

Speaker 10 (01:55:06):
They can't go that way.

Speaker 9 (01:55:07):
No.

Speaker 4 (01:55:07):
Now, let me ask you this. If he did a
tuner on there, they probably could, you know, if he
souped it up, they could probably.

Speaker 9 (01:55:15):
Yeah.

Speaker 4 (01:55:15):
Have you seen denials for that?

Speaker 9 (01:55:18):
Yes?

Speaker 19 (01:55:18):
What's the most lifted cold airs?

Speaker 10 (01:55:21):
All kinds of stuff they can.

Speaker 4 (01:55:22):
Get on pickup trucks to snowplow in the front will
kill it.

Speaker 10 (01:55:27):
Absolutely.

Speaker 4 (01:55:27):
Hey, let me ask you this, just out of curiosity
than Emory. I'm going to tell you who to call.
And you do need an attorney, Emory. But what's the
most egregious reason you have seen a Sharitan auto tech?
Someone turning down a warranty, a company turning down a warranty.

Speaker 10 (01:55:45):
It's usually a problem with the adjuster more than anything.

Speaker 4 (01:55:49):
Uh, just an attitude or what.

Speaker 10 (01:55:52):
Well, we had a rear disp go out in a
customer's car, and the adjuster came and pulled the drain
plug in the back to check for oil. Yeah, and
snow oil ran out. He deemed it as abused because
it was under filled.

Speaker 4 (01:56:05):
Well that's crazy. Did you end up getting it done?

Speaker 10 (01:56:08):
Well, it took. It was a battle, but but you
know because he already pulled the plug out to check
the fluid, so of course a little bit ran out. Yeah,
now we had we had a big argument with the
adjuster on that one.

Speaker 9 (01:56:19):
Yeah.

Speaker 4 (01:56:19):
So here's what Thanks Kevin. That's Kevin Couk and shared
a Auto Tech. Great guy. In fact, you'll be in
tomorrow with me three oh three, four five, five seventy
two forty two. That Shardan Auto Tech or you can
go to Shardan Auto tech dot com. Thank you, Kevin.
Now here's the deal, Emory. Here's what I'm going to
suggest big time. I'm going to give you what's her name,

(01:56:40):
Kelly Raina? Am I saying it right? Who's our lawyer?
Give him Raina's number. All she does is issues like this,
if it's a car issue on a warranty. I mean,
this is her bread and butter, and she's better than anybody.
I think. A simple letter from her to the warranty
company do you actually have the deny.

Speaker 22 (01:57:02):
That's in I've got email saying yes.

Speaker 4 (01:57:05):
Yeah, that's what. That's the denial letter. So that's the deal.
You need to send that. You need to call her,
send her the denial letter, send her some information and
talk to her about it, and she'll do that for free.
And the first step will be for her to write
a nasty Graham as an attorney to this company going
this is BS, you can't do it. And she does
this all the time. As long as you're right that

(01:57:26):
that wasn't some kind of tuning device, it didn't modify
the horsepower anything. I think it's going to be a
slam dunk once the attorney's involved. Now, if they're going
to push it, and you got to ask Rayna about this,
and she's going to end up suing them, and she'll
let you know if you got a good case. I mean,
that's what she does. If she thinks you have a
good case and you go in and win and get
it fixed, you'll probably get attorney's fees too.

Speaker 21 (01:57:49):
Yeah, well, yeah, I know that's what I'm okay, I'm saying.

Speaker 10 (01:57:54):
You know, the inspector came.

Speaker 4 (01:57:56):
Yeah there, listen, man, most of these warranty companies, that's
what their whole is. They show up and they find
a reason to deny it. What I'm hoping they don't
do is they don't come back and go, well, yeah,
you're right, this didn't modify anything, so therefore we can't
deny it here. But we're going to say it's a
pre existing condition. Now, if they do that, what we

(01:58:16):
have to do is you need to call back in
and we'll turn around and go after the dealer and
basically say to the dealer, you sold this guy a warranty.
The warranty is no good because it's preconditioned. He wouldn't
have bought He wouldn't have bought his vehicle if it
didn't have a warranty. So and that happens all the time.
But hold on, I want you to call rain I
got it.

Speaker 11 (01:58:36):
Brother, okay, And someone's gonna give me her phone number.

Speaker 4 (01:58:41):
I'm gonna put you on holden. Kelly's going to give
you her office number. Call up, talk to her, leave
a message, but tell her what's going on. She's a
great attorney and that's basically all she does. Three oh
three seven one three eight two five five. Charlie, what
is going on with you?

Speaker 9 (01:58:59):
Hello?

Speaker 19 (01:59:00):
Hello, Charlie, Hey, Yeah, I just wanted to let you
know you know, I listened to your show about the
zero Red carpet cleaning for one hundred and nineteen dollars
for three rooms.

Speaker 4 (01:59:11):
Oh yeah, three areas and nineteen bucks.

Speaker 19 (01:59:13):
Yep, right, and you know you with the carpet goes
into the pad and all this stuff. Well, my we,
my wife and I have a new puppy and uh,
basically we've had some problems where it's had some accidents.
So we said, well, let's go called zero reds. So
my wife gets on the internet and goes through and

(01:59:34):
sets them up for carpet cleaning. They come out and
she had put in there that you know, we need
the pet end zyme and all this stuff and get
it all taken care of. Well, the guy came out,
the technician, and next thing you know are three rooms
now turned into four, which we had no problem with. Yeah,

(01:59:55):
so they clean our They cleaned the carpets and everything,
and she had talked about other things, other services wanting
to have happen. Well, make a long story short, our
carpet cleaning ended up being one twenty six dollars.

Speaker 4 (02:00:14):
Well, how did you wait, wait, wait a second, are
you saying and this is a very important part here?
Are you saying that they didn't tell you what the
price was going to be before cleaning. They told you
it was one hundred and nineteen, then it ends up
to be a thousand. Is that what you're saying.

Speaker 19 (02:00:33):
No, they went through it and went through it with
my wife and they well, you're gonna need to do this.

Speaker 10 (02:00:39):
So she knew to do that.

Speaker 4 (02:00:41):
Well, okay, I get it, you're saying they upsold you.
I understand what you're saying.

Speaker 10 (02:00:45):
But they got sold that they told you.

Speaker 4 (02:00:47):
They told her the price.

Speaker 19 (02:00:48):
Fine, right, and so it's fine.

Speaker 10 (02:00:51):
She agreed to that.

Speaker 4 (02:00:52):
So then.

Speaker 19 (02:00:54):
She said, okay, let's go ahead and do it because
we need to get rid of this smell. Sure, so
she all this done and then I come home and
the smell is not even close to being done. And
so then I'm going wait a minute here, I said,
what did they do? And she said, well, they brought
in a wand and all this and they cleaned it.

Speaker 4 (02:01:16):
Yeah, when there's pets there, I mean, we've got pets.
I know exactly where you're talking about. They have you know,
special stuff that you know goes in and breaks down
and dissolves the urine or eats the urine or whatever.

Speaker 19 (02:01:27):
It does exactly. And so I said, well, geez, I'm
not happy with this, you know, because when I looked
at their website, they says they use brushes, and they
used the wand and all this stuff.

Speaker 4 (02:01:40):
And I'm going to.

Speaker 19 (02:01:42):
Hello, well the company, I said, hey, are you there?

Speaker 4 (02:01:45):
Yeah, I hear you. I lost you for a half sec.

Speaker 9 (02:01:48):
Okay.

Speaker 19 (02:01:49):
So anyway, I called the company and I said, hey,
I'm really not happy with this. So they said, no problem,
we'll come out because we have a guarantee.

Speaker 9 (02:01:58):
Yep.

Speaker 19 (02:01:58):
I said great. So then they came out and the
technician came out and we have a meeting. I came
home and I stayed there to talk to him. Well,
he says, well, you know, all we're going to do
is redo your carpet. And all we're doing is putting
a band aid on it. It's still going to smell.
I said, you're kidding me, right, and he goes, you'urine went.

Speaker 4 (02:02:18):
Down into the wood. I mean, really, what are they
saying because they've done spots for us and I've never
smelled anything.

Speaker 19 (02:02:25):
It's a concrete floor, okay underneath it, So what are
though they're saying that they're going to need to use
this blaster thing to go into the path. And I'm
going waiting out here. You guys said you're going to
go into the path, Well, then you're going to use
this blaster at sixty five dollars or whatever a square
foot and I'm going, wait a minute here, And he says, well,

(02:02:48):
your wife knows about this. I talked to your wife.
And he's sitting there throwing my wife under the bus.

Speaker 4 (02:02:53):
Well, hold hold on, Charlie, Wait a minute, Charlie, Charlie,
hold on. I understand you're upset, and I have direct
connections to call over there. So a couple of real questions.
One that is a very important part of it is
what they're saying. If he's saying, hey, I told your
wife feels going to be a thousand bucks. And I
also told her that if this doesn't work, we have
to go to that next step. I mean, I don't

(02:03:16):
know how much of a problem I have with that.
I understand the up selling they do. They do if
you have pets or if you have certain stains, it
does cost more. There's only if you want though you don't.
It's not like they tell you you have to do it.
I get all that But what I want to know
is did he tell your wife that you might have
to do this blaster, which to me would be insane. Anyhow,

(02:03:37):
I think you could replace carpet cheaper. But then see,
I don't believe sixty five dollars a square foot. But anyhow,
what did he tell her.

Speaker 19 (02:03:47):
That that's what? And he apparently used this blaster in
an area that was the highlighted area.

Speaker 22 (02:03:57):
Well, it's still smells.

Speaker 4 (02:03:59):
So was he a could he come back in and
redo it? Was he willing to come in and reblast it?

Speaker 19 (02:04:06):
No, he said he'd come back in, but he would
have to recharge.

Speaker 4 (02:04:10):
Up for the same area with the blaster.

Speaker 19 (02:04:16):
Yeah, and so I called this doesn't Hold on?

Speaker 4 (02:04:18):
Listen, man, you don't have to tell me any well,
hold on how long ago? Watch he's going to tell
me nineteen ninety eight? When did this happen?

Speaker 19 (02:04:27):
It happened last Friday?

Speaker 4 (02:04:29):
Oh? Perfect? Hold on, Hey, Kelly, I want all this
guy's information, and I want you to send it to Suzanne.
Actually send it to me because I know what the
story is. And I'm going to send it over to Shane.
He's the owner of zero res. Okay, and let's figure
out what's going on with that, because they do have
a guarantee if everything he say is correct. This is

(02:04:51):
the first you know, ironically, and Charlie, you can believe
me or not. This is the first issue I have
had a call on with your and listen seven years.

Speaker 19 (02:05:05):
Well, another caveat to that is I was irritated, so
I went and rented a cleaner from Home Depot and
my wife and I spent last Friday and Saturday cleaning
with Home Depot cleaner. Yeah, and we were literally dumping
the bucket and it was dirt, it was black. I mean,

(02:05:27):
we've spent.

Speaker 4 (02:05:27):
How bad is this carpet? How like literally how old
is this carpet? Nineteen eighty seven.

Speaker 19 (02:05:34):
We built the house, we moved into the house brand
new in twenty twenty, in twenty twenty May of twenty twenty.

Speaker 4 (02:05:42):
How did it get that dirty?

Speaker 9 (02:05:46):
No, it's not.

Speaker 19 (02:05:46):
And we only put this carpet. And I want to.

Speaker 4 (02:05:49):
Say two years away a minute. You're saying they came
in and put dirt into your carpet.

Speaker 19 (02:05:54):
No, no, no, no, no, I have I have grandkids
and everything in it. Okay, I can imagine.

Speaker 4 (02:06:00):
I don't understand. Here's here's my only problem with Zero
Res right now, they have a guarantee if they did
something and they charged you whatever that sixty five bucks,
which I've never heard of for a square foot but
whatever it is, even if you're wrong on the price,
I don't understand why they wouldn't do it again. I
just don't understand unless if they warned your wife that

(02:06:20):
this could happen. Did they warn your wife about it?

Speaker 19 (02:06:25):
Well, that's what I'm saying. She's like sitting there, dumbfounded.
She doesn't know what he was saying. She's sitting there
and he's sitting there wanting to basically, as I said,
he's throwing her under the butt, like, well, your wife's
signed on about it while I did this.

Speaker 4 (02:06:41):
Okay, let me I want to get I want to
I'm want to reach out to Zero Res and see
what's going on. Simple is that, you know. I want
to tell everybody something. This show rocks. And let me
tell you why. He's a sponsor, Shane and Zero Res
and they've been a sponsor for a long time. They
cleaned my house, they cleaned Tom's house. I've never had
a problem with them. And I pay whatever full price is.
And here's how the process goes with zs. They show up,

(02:07:03):
you call them on a special it's one hundred nineteen bucks.
If you're in an apartment or whatever or whatever you're
trying to clean. If it's three rooms, it's going to
be one hundred and nineteen bucks. If you have a pet,
they'll talk to you about different things to do. Some pets,
some cats pee everywhere, so you might want to do
the whole house and whatever odor controller oder eating thing
they have. They have enzymes that they can spray that

(02:07:25):
literally go after the feceson urine or whatever. If you
don't have that problem, they have other products they'll talk
to you about, depending on if you need them or not.
You might have a wine stain that's been there for
ten years and there might be a way to get
it out, but they're going to have to use a
certain piece of equipment. But they go over every single
thing with you. They don't tell you, no, we're not

(02:07:47):
going to do it for a hundred nineteen bucks. That's
a real deal. And the free halway right now is
a real deal. Hold on doc. They come out and
they go over everything. Every single time we have had
them out, they literally go over, okay, where do your
dogs usually go where do they sleep? And we'll point
to that room and we'll pay extra for that one room,
and the other rooms will do normal and we're always

(02:08:08):
happy with it. Doc, real quick, did what did what?
You and your wife did? Take care of the odor
and stain? Yeah that's no, they said, yeah, uh well,
she's on the phone with them. We'll find out. I'm
going to get involved on this one personally. Call Titan.

Speaker 12 (02:08:28):
dot com.

Speaker 13 (02:08:32):
You don't pay a cent until you're contenth.

Speaker 12 (02:08:37):
Time for an insurance check up free no obligation. In comparison,

Speaker 4 (02:08:58):
All right, three oh three seven on three eight two
five five. You know, if you got a problem with
one of our referral list members, you can call us.
You just heard that. You know what's interesting, Try calling
the people across the hallway. Try calling the sports guys
they do live commercials like we do, call up during
their show and say, hey, you were just talking about
so and so, and I got a problem with them.

(02:09:20):
You'll never hear it. You'll never hear it. That's what
makes us different, Brian. I've had complaints on you, and
I sent them over to you, and then you give
me your side of the story and we go from there.
I don't I don't think I've ever had a com I've.

Speaker 6 (02:09:32):
Never heard a complaint on Compass. I will, I will second,
I forget what complain.

Speaker 4 (02:09:38):
No, there's been something. There was one, though, I'm trying
to even think what one would be. They just think
your price is high. And the only reason they it's
not like you price it. You're getting them prices if
they have a DUI. I mean, Progressive is going to
quote them whatever. It's not like you mark it up.

Speaker 7 (02:09:54):
We've gotten it where they're you know, they hear us
on here and they say we called them and they
didn't save us money. Well that's exact why. But we
told you we couldn't. We told you to stay where
you're at. So we just yeah, by no, means you
would anybody in a good deal. Ever, in Ture, we
don't get paid that much for policies. I just want
everybody to know that we are not in it to

(02:10:15):
try to, you know, convince people to go with us.
If it's not their best option, we'll tell you to
stay put. But sometimes people get frustrated when we can't
find a better deal. But you know that's our point
is we try to be honest with you.

Speaker 4 (02:10:27):
Yeah, well you have to be and I mean that's
just it. Now, Michael, what's going on with you?

Speaker 22 (02:10:34):
Well, Hey, I've got a friend who was married. He
and his wife owned their home as tenants in common,
and she passed away and her daughter inherited her half
and is not cooperating that he wants to just sell it.
He doesn't even live in the house anymore because he

(02:10:55):
couldn't stay there for very long after his wife died.
He just couldn't stand it. But I've done a little
bit of research and I see there in Colorado there
is an action called a partition action that if they
can't agree on something that they have to sell it.
I'm just wondering if any of you guys in there
know anything about that.

Speaker 4 (02:11:15):
Or if well, I do, but I'm curious. Why was
it tenants in common?

Speaker 22 (02:11:20):
He doesn't know, and all, from my reading, if you
don't specify when you purchase a property as a married couple,
it defaults at tenants in common instead of joint tenancy.

Speaker 4 (02:11:31):
That's my understanding too in Colorado. That's true. But wait
a second. So now then, why are you saying, Wait
a minute, I get these two damn things confused. Do
they each own fifty percent of the house separately? Yes,
let's get on. Let's get on, Brad O'Brien. I swear
to god, I'm going to tell everybody something embarrassing. Tom

(02:11:54):
screwed up one time fifteen years ago using these two phrases. Okay,
and we both realized he was wrong. Okay. Ever since
then I couldnot fix that in my head.

Speaker 7 (02:12:08):
It isn't joint Tennessee means if one person dies, the
other person gets it all, whereas comments, it doesn't work
that way. I get how they work.

Speaker 4 (02:12:18):
I get to two different So he's saying that both
of them owned individual pieces of that house.

Speaker 7 (02:12:25):
That's what Tennessee and comment is, I.

Speaker 4 (02:12:27):
Would have married couple in a million years. Do that
is what I'm not understanding.

Speaker 7 (02:12:31):
But if you don't specify, it automatically goes that way.
That's what he's saying. So I've never heard that that. Okay,
let let's get Brad on. Hold on, let me take
this break. Hopefully we can squeeze him in hold on.

Speaker 15 (02:12:41):
Man.

Speaker 4 (02:12:42):
If we can't get it, we'll get him on tomorrow.
This guy's gonna have all the answers. I still want
to understand it. Better hold tight, all right? Three on
three seven three A two five five. I'm gonna go
directly to Brad O'Brien. Brad, I've got a question for you.
When Susanne and I bought our house, well, actually that's
not a good example because it's in her name. But

(02:13:04):
when a couple goes to buy a house and they
go through a lender and they're they're they're both purchasing
the house a married couple, is it stated that it's
tenants in common or joint tenancy or if it's not stated,
what is it to fault to in Colorado?

Speaker 23 (02:13:21):
If it's not standard that it's going to be tenancy
in common, you actually have to stay joint tenancy or
joint tennancy with writer survivorship in order to have the
joint tenancy.

Speaker 4 (02:13:31):
So in this case, let me bring let me bring
up our guy and where is he, Michael? So, Michael
who passed away?

Speaker 16 (02:13:42):
The Why?

Speaker 4 (02:13:43):
So the wife passes away and her portion of the
house is going to the daughter, the other person that
owns the other fifty percent. Brad wants to sell it,
but the daughter doesn't want to sell it. Is that right, Mike?

Speaker 22 (02:14:01):
Well, she has a drug problem and she's just stonewalling
him and ghosting him.

Speaker 4 (02:14:05):
But she doesn't live there, right, yes, correct, So Brad,
what kind of action and how do you force an
action at this point? Or or there's nothing you can do?

Speaker 23 (02:14:16):
Well, first, I have to look at the deed from
when they purchased it to see if it was joint
tenancy or tendancy in common. He's saying, there's doesn't state
either way.

Speaker 22 (02:14:24):
It is tenants in common.

Speaker 23 (02:14:27):
Okay, And that's point. One of the owners wants to
sell them. The other one does not.

Speaker 9 (02:14:31):
Want to sell.

Speaker 4 (02:14:32):
Well, the other one doesn't know what they want to do.
Apparently they're a drug addict. They don't live there, but
they own fifty percent of it, and the guy wants
to sell it.

Speaker 22 (02:14:39):
Okay, and she has said previously that she would sign
it over to him, but she is now ghosting him.

Speaker 4 (02:14:46):
Okay.

Speaker 23 (02:14:47):
Well, I mean ultimately, any co owner has the right
to get a judicial partition, go to court and get
the property partitioned and sold and uh and then you
split the proceeds. But the other co owner normally has
an opportunity to buy out the one who wants to sell.

Speaker 4 (02:15:05):
Yeah, I mean you but if she what she literally disappears,
that's when you have to go to court.

Speaker 23 (02:15:13):
Yes, you can't lose title your house through abandonment.

Speaker 4 (02:15:16):
Yeah, yeah, no, that's what I'm saying. Then you've got
to go to court and basically you're going to motion
the judge to be able to sell the house and
split the proceeds.

Speaker 23 (02:15:24):
Yeah. If you can't find them ultimately, if you can't
serve them with the papers, you can serve them through
alternative means, like through the mail or through publication in
the newspaper.

Speaker 4 (02:15:33):
Michael, what I do is have this guy call up
Brad and he can help them through this process. But
I mean, really, you've got to get an attorney involved.
If you really can't get a hold of her, like
you said, you can put notices and newspapers and do
certain things, and you basically go to the court and
show them prove that basically you tried to get in
touch with them, and then you'll have the ability to

(02:15:54):
sell it and then split the proceeds.

Speaker 22 (02:15:58):
She is serviable, that's for sure. But he's broke, doesn't
have the money to hire an attorney.

Speaker 4 (02:16:02):
And well then they're stuck.

Speaker 22 (02:16:04):
That's yeah, that's right.

Speaker 4 (02:16:06):
Yeah, I mean they're stuck, Brad, how come most are
not like that with the married couple. This really has
nothing to do with Michael. Michael. I'll give his number
out though if you want to ask many other questions
off arab, but Brad, real quick, like, when most married
couples buy a house and they go through a mortgage,
isn't it right the survivorship right to survivorship.

Speaker 23 (02:16:28):
Even if a married couple buys a house, it still
has to stay joint tenancy in the deed from when
they purchased it. Otherwise it is tendency in common even
between married partners.

Speaker 4 (02:16:37):
So but most of the time it always is right.

Speaker 23 (02:16:40):
Well, yes, my custom, most married couples do buy in
joint tennancy.

Speaker 4 (02:16:44):
Why wouldn't they default it? The other way then, just
out of curiosity.

Speaker 23 (02:16:50):
That's just the way that the law is. Our law
derives from you know, old English law, and that's what
the way the common law might have been.

Speaker 4 (02:16:57):
Yeah, that's so curious to me. Okay. So usually people
like I don't know up until maybe my third house
we bought, like our first house, I never would have
thought to sit down and tell my lender or tell
the builder, hey, I want this to be joint tenancy,
or I want this to be tenancy in common. I
just most people that are buying their first house would

(02:17:19):
never think about that. But it tends to end up
that they're joint tenancy, right, I mean that's generally how
it ends up.

Speaker 23 (02:17:27):
Yes, And most title companies and real estate brokers and
attorneys who are involved will know to ask the buying
the buying couple or which way they want to take it.

Speaker 4 (02:17:36):
Yeah, but they're going to more or less explain it
like we have today, like you know, rights of survivorship
compared to each own whatever. Hey, that's Brad O'Brien. The
show is basically over. Brad. I appreciate it. And Brad's
number for everybody out there seven two zero three seven
zero seven, three eight eight or olslaw dot com. Hey

(02:17:56):
Ray and Maryland, you've guys got a problem with the
process server. I'm gonna get you up first thing in
the morning. Three oh three Martino. That number works on
and off the air. And Robert Bruce. You can find
him on a referral list a referral list dot com.

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