The Troubleshooter 5-21-24

Episode Transcript

(00:00):
Yeah, ripped up. Didn't needadvice when you don't have come run in
just as as we can. Shooter'sgonna help coming. This is the Troubleshooter

(00:21):
Show. No Tom Martino, HiTom Martino here, Well, come to
the show. We are solved problems, answering questions, taking comites, making
your life a little easier. Igot Brian with me from Compass Insurance.
I love insurance shows. We'll talkabout insurance. Insurance is on everyone's mind
right now, every every aspect ofinsurance, from health, casualty, life,

(00:47):
cars, everything, They're all up, all up and and and listen.
It should not be hard to figureout insurance, which, by the
way, acts a lot like asecurity, which it's not. But it's
money in pooled profits payments. Now, obviously we don't invest in insurance.

(01:11):
Usually we just get insurance, butthe companies invest to keep it alive and
losses that are sustained effect premiums.We'll talk about that coming up right now.
Crystal, though, wants to talkabout an issue, and this is
a weird one. I went throughthe emails and unless I'm missing something,

(01:33):
I do want to bring Crystal upagain. You really need to know that.
I swear to you that I lookat every aspect to try to get
to something that I can hang onand go to the dealer and say this,
or go to them and say thatCrystal and Cody or whoever's on Crystal.

(01:53):
I went through every single email.There is no guarantee what in fact,
if anything, the no to youindicated that your car was drivable and
that you shouldn't have left it therethat long, and that they were not
going to pay for your rentals.You told me you had to guarantee that
they were going to pay five monthsof your rental. I don't, I

(02:14):
mean, unless I am totally disconnected. Where was that email? If you
go through the emails, you cansee that a lot of this was verbal
between Tanya and Adams Solano and myself. But not one of them, not
one of them said they would payfor your rental beyond ten days. Not
one of them. The best Icould find was ten days. And what

(02:38):
about the one saying your car wasdrivable, there was no reason to leave
it there five months? See,that's not what I was told. But
every one of them that they toldyou your car is drivable, Your car's
drivable. I mean I would haveat least called, so, what the
hell's going on? And don't youthink they would have said, come pick
up your car. They all claimthat they told you to pick up your

(03:01):
car and they don't know why it'sstill there, right right, and absolutely,
Here's what I'm going to tell you. I promise people one thing.
I promise to look at things objectivelyand then hope it's not really objectively because
what I do is I first lookfirst at what did what went wrong?

(03:24):
And why does the other side feelthis way? Then I look at it
totally objectively. Then I look atit. How do I get the consumer
help? Even if even if theydidn't have all their ducks in a row.
But in your case, there's notone thing in that. I mean,
if you go to court, you'regonna lose. But but maybe you
should try small claims court just forthe because it's under the seventy five hundred.

(03:47):
But you you, I'm looking atit hoping to find something. There's
nothing there that anyone would conclude that, oh, yeah, she was covered.
But did anyone Why did they inthese emails make all these references to
your car being ready not ready,but you can drive it until the parts
come in. Why didn't you goget your car? Because I was told

(04:11):
that it may never drive over thirtymiles per hour again. But they never
That's what I was told. AndI looked on the internet and not one
person with this recall, not oneperson left was told they could not drive.
And I don't know where the thirtymile an hour limit came in.
I don't see any reference to thatin any of your emails. I just

(04:33):
don't see anything. I just that'sjust it is that I was told if
I don't do all of these serviceprocedures, that you know, my truck
may never go over thirty miles perhour again. And in the case,
but they told you until they getthe part, you and drive it.
Battery was dead when I picked itup. They couldn't even find my vehicle

(04:54):
on the lot because the battery wasdead and it was a brand new battery.
So I Crystal there, I justdon't think you're going to get five
grand from five months of rentals fromI'm not worried about the five grand.
I'm worried about the public impact.Public to a lot of people, yes
they are, and I feel holdon, wait, that's different. Wait

(05:16):
a minute. So I thought youwere looking for reimbursement for five months of
rental. I'm sorry, you're lookingnow for a public campaign to help others.
Get me in touch of victims andtell me what they're doing to these
victims. Well, I sent youthe emails. Did you look at any
of those? Yes, I lookedat all of them. What is this?
Just tell me what they're doing becausethey have a recall. Ford has

(05:39):
a recall, the cars are drivableshots. I sent you the reviews from
other people and people Martin Champaigne's assistantcalled me back yesterday, a consumer rights
lawyer, paralegal, and she justwent through the same thing with the same
dealership. So I mean, thisis how are they suing that dealer for
this? Because see what I seeis this they're going to be subpoenaed to

(05:59):
a Yeah, okay, okay,mark my words. They will not be
subpoened and there will not be alawsuit. And I'll tell you why,
because the dealer is at the dealeras at the mercy of the manufacturer on
this recall. You know, Idon't want to be in a position.
Here's what I hate doing. Ihate being in a position where I'm arguing

(06:20):
with someone who called me for help, because I'm not saying I don't want
to help. I'm not saying itwould be great. It wouldn't be great
if they paid for this or paidfor that, or if the world was
perfect and in a recall they hada fix. But the dealer is not
in control of that. So ifthis consumer rights lawyer is doing a lawsuit,
get part of it and see ifyou can get reimbursed. Listen,

(06:42):
in the past, I have madecomments like this and been dead wrong.
I have been dead wrong. Ihave in other cases I've been right more
right than wrong. But here's whatwe have. You do not have an
ideal situation. I feel for you, I really do. I would be
extremely pissed if I had purchased anew truck but you didn't. You bought
a used one, so we goteven a We're even removed from that a

(07:06):
bit. You have an extended warrantyon a used product, and the dealer
is not doing this to you.It's the manufacturer is. If this,
if this lawyer, we would Iwant to call them. Do you have
the name of this consumer rights lawyerthat's doing a lawsuit? I'd like to.

(07:26):
What I would like to know isthe what they're suing on. I
need to know the aspect they're suingon. Maybe I'm missing something and I
really don't want to miss anything,and I'm not kidding. I want to
know what exactly is going on here? So on the uh? Yeah,
because what is the name? Doyou have the name of the attorney?

(07:48):
I do, but I'd rather notsay it on air. Okay, can
you give it to us off theair and we'll call them. I just
want to know. I want toknow about the Hey Katschina, Well I
was called. There are two differentlawsuits and ventially a class action. So
okay, is it against the dealeror the Ford? I can see them
going after Ford? Is it thedealer? Ord? And hurts and who

(08:11):
hurts hurt? Oh okay, I'mjust looking at my database here. What
what did they tell you what theissue was? Yeah? They that there's
a lawsuit, yeah, through bothcorporations. So they are basically saying that,

(08:37):
you know, as a consumer rightsattorney, we see that a lot
of people have been impacted by thissituation, by what situations, by the
recall, by the by the whatwell, the fact that you bring your
vehicle in for service, or youpurchase a vehicle through that dealer and then

(08:58):
you are not guarante heed. Youknow, a pre certified, a pre
owned certified situation. So okay,all listen, listen. I don't know
what you're saying, but I wantto call the attorney. Okay, I'm
sure I gotta find out, becausehere's the deal. When you buy a
used car, you're buying it asis subject to an extended warranty, recalls
and all of that. If theydid something intentionally, if they were negligent,

(09:22):
I could see that if they knewthey had a problem and they sold
it anyway and they covered up theproblem, they would have something. What
I need to know is what thisattorney found that they're suing on, and
then maybe we can pursue that withthe dealer, and maybe that dealer will
say, you know what, insteadof this woman joining that lawsuit, maybe
we'll do something for her. Meanwhile, what I would do is try to

(09:43):
go to Small Thames Court. ButI'm going to tell you what your weaknesses
are, okay, because I wantyou to be strong. I'm not telling
you your weaknesses because I want youto be weak. You have no clear
agreement that they're going to pay foryour rental. You have every indication that
your car did not have to sit, and that you have an obligation to
mitigate damages, meaning you drive yourtruck as long as you can, because

(10:07):
they did not tell you it couldnot be driven. No one told you
it cannot be driven. On theInternet, people are driving with similar problems.
Then you say there's a problem withthe dealer doing something, and they
somehow owe you something because of somecertified used car. I'm telling you that,
in my humble opinion, you areoff base thinking you have a case.

(10:30):
But I want to talk to theattorney. I really do, because
I've been wrong before and I'm probablywrong this time. So let's talk to
the attorney. Ka, Gina,get the name of the attorney and ask
them that if they can shed anylight whatsoever on this. Okay, so
people listening, here's what happened.They bought a used truck. Okay,

(10:52):
they have an extended warranty. Theybought it from a dealer. It's a
forward truck. Here's what they have. They have a situation where there was
a recall. They took it inand it sat there five months. She
said she had a clear cut agreement. Is what she told me, that
they were going to pay for therental as long as it took. There
is not one, not one indicationthey said that, not one, not

(11:13):
one. And and I'm looking forit. Mark do you want to go
is mark on? Do you wantto go through this stuff? If I
send it to you, can youlook to see if I miss something?
Because I already looked at it.I saw nothing about a rental. I
looked at it yesterday. Well there'sstuff about rentals, all kinds of stuff
like alluding to not about paying forthe rentals. Right, that's right?

(11:35):
Ten days one woman, this isa manufacturer's deal. I don't know how.
I don't. I just don't.I don't find the whole thing,
correct, that's all anyway? Holdon, okay, and I want to
I want to call the attorney though, yeah, but again she didn't say
an attorney time. She said apairalegal. No, but she said it

(11:56):
was a consumer rights attorney doing thelawsuit. A consumer rights attorney. Veronica
has a problem with Fred Loya.I have to take a break, but
today is insurance day, so gether to stay on the line. It's
a perfect day. Plus if youhave any questions about insurance homeowners or car
insurance, or why your rates wentup, or about the spy apps they're

(12:18):
putting on your cars now, orabout anything to do with insurance, we
have Brian Burns with us from CompassInsurance Group more coming right up, go
with a sure thing Denver's best rooferExcel Roofing dot com. You don't pay
a cent until you're content time foran insurance checkup free, no obligation.

(12:41):
In comparison, call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out Now three O threeseven to seven to one help. You'll
think you're his only customer when youchoose Frank durand the real estate Man dot
com to list your home with RemaxAlliance three three nine two zero sixteen twenty
two. Hey, I'm Tom Martinez, your troubleshooter three O three seven one

(13:03):
to three talks seven one three eighttwo five five. The Federal Trade Commission,
by the way, has completely completelybanned noncompete agreements and contracts. They
even took away some of the exclusionson them. We'll talk about coming up
right now let me talk to Veronica. By the way, we have Compass
insurance Group with us. They don'tdeal with Fred Loyer. They deal with

(13:26):
a bunch of companies. But I'mjust going to say this right up front
so people know that I'm prejudiced.Right off the bat. Most of our
complaints come from State Farm Farmers,All State, American Family, and Fred
Layer. They're the top five worstcompanies on the planet. What's going on,
Veronica. I have a bus thatI'm converting into a mobile grooming unit.

(13:50):
Oh really, what kind of abus? Is it a short bus
or a big bus or what kindIt's kind of like a short bus.
Okay, those buses that pick upthe elderly. Yeah, okay, that
size bus. Okay, I'm convertingit into a mobile grooming unit. And
it was almost done. In thebeginning to March, a lady apparently had

(14:11):
a seizure and ran it right intomy bus. Oh wait, wait,
she was in a car and raninto the bush after having a seizure.
Oh man, this is trick.Mark, Hold on, Mark, don't
give it away. I'm gonna tellI'm gonna tell her which who who was
this woman? Insured by Fred Layerinsurance. Okay, but I want to
explain something to you because now Idon't like fred Layer, but I'm gonna

(14:35):
I'm forced to say something right now. And Brian, we've had we had
a case in the past where aguy had a heart attack, he ran
into people, did devastating damages,and his insurance would not cover him.
Now listen, ver on a car. Are you calling by any chance because

(15:01):
the fred Leys said we're not coveringit. No, there they want to
total my out. Thanks. Ican't. First of all, I just
want to say this. I can'tbelieve they're even going to consider covering it.
Do you know why Mark Mark Markwanted to spill the beans? Brian
Telemy, Yeah, there there areexceptions to this, But first tell me

(15:26):
why most companies wouldn't under these kindsof certain Well, you're not held liable
in the case of a medical inducedaccident, and if it was a heart
attack, if it was a seizure, Uh, you're not going to be
held liable for the damages. However, you said, if it's so.
So in the case of the intersection, the guy in a heart attack,
they said it was a sudden something. They called it. Uh, they

(15:46):
called it a health problem and they'renot liable. It was not negligent and
they didn't cover it. Right,if it can be foreseen, in other
words, if it's happened before,if this is a regular occurrence seizure,
then it could be you could beheld liable because around all right, so
maybe this guy had frequently go ahead. I think that's what the case was,

(16:07):
because there was a criminal case andthe GA sent me something stating that
she's that they are held responsible.Okay now, and the DA wouldn't make
that determination. The DA would onlymake that determination traffic wise, not liability
wise to you. But here's thedeal. I'm hoping that this is such
a terrible situation because your bus hadmore value than the actual value. But

(16:33):
that should be a limitation for herunless it was her own insurance causing this.
In other words, you have acontract with your company, and if
you haven't added coverage for those modificationsby all means. Well, let's say,
let's let's put it this way.What stage of the restoration or conversion
were you in. It was almostcomplete, Okay, they were ready.
They were ready to put the equipmentin the bathtub, the tables. But

(16:57):
so but but was it painted andspruced up? And okay? Now are
what year is this bus? It'sa two thousand and three? Are they
trying to Are they trying to priceit as a just a raw, regular,
used, old two thousand and threebus? Yes? What kind of

(17:18):
bus is it? It's a Ford. It's Ford f S three fifty,
I want to say. And andit's it literally looks like a bus.
Yes, okay, Now what dothey say it's worth? On? They're
saying it's worth forty two hundred?What do you what did you buy the

(17:38):
bus for? First of all,in this raw condition, I bought it
for forty five hundred and they're offeringforty two. Yes, and then I
put the no, I hold on. I'm making notes here. So you
bought it for forty five right?Yes? And you put how much into

(17:59):
it? Tires, paint on?Well, no, I don't need to
know that. What I need toknow is the price about ten thousand dollars.
So you're into it, and Iwouldn't be surprised at all. So
you're into it for about now.That doesn't count the equipment that did not
get installed. Count the equipment?No, okay, So you're into it
form around fifteen grand Yes, okay, and what and they say, oh

(18:25):
god, these jerks are so they'renot giving you any value for any of
that. Right. Not only that, I didn't find out until yesterday when
I I made various calls and Ifinally got a call back and they told
me about the offer. The personon the phone did not tell me that
there was a deadline, that itexpires. Well, that doesn't there's no

(18:48):
deadline. That's artificial. They can'tmake a deadline on you. Forget that
crap. Well they did, andthen guess what it's tomorrow. Well,
hold on, tell me what happensif you go past the deadline. Tell
me what happens? They just giveme the forty two hundred. No they
don't, No, they don't,No, they don't. What law says
that? Tell me what law sayswe can hit you and make our own

(19:11):
deadline. Tell me what law thatis? I don't know. They're full
of crap, is what I'm tellingyou. Who told you that there's a
deadline. Well, the email theysent me yesterday, I read it and
it says that it's a ten dayoffer, and it that's a ten day
offer. That doesn't mean they can'tmake another ten day offer or a twenty

(19:32):
day offer, or a thirty dayoffer or a one day offer. They
can do whatever they want. Thisis bull crap. Listen, here's what
I want to know, Veronica.When did the accident happen? The beginning
of March? The first week ofMarch. Okay, so we're good,
thanks for not waiting to call now, brianoy, Tom, would fred Looyer

(19:52):
actually be liable to cover for allthese improvements she did? How does that
work? Of course you Why wouldn'tthey they property that was her property?
Okay, I don't understand why itwould even be a question. I mean
they they did the damage. Nowthe question I would have is do you
have insurance? No, because it'sseven hundred dollars to ensure that bus and

(20:15):
I have not started working. Wherewas it part though? Please don't tell
me it was on a public street. No, it was on a property,
on your property. Yes, youknow what. She's got a she's
got a good case to get thiscover. The only issue is she's going
to have to do the work tosue. In other words, she can't
just turn it to her insurance afterit. So it's it's just more work.

(20:38):
But listen, Veronica, listen,you need to forget about Fred Lawyer
right now and fock now. Unfortunately, unfortunately, to sue above seventy five
hundred, you're going to have togo to county court. The small claims
court is seventy five hundred. Theywant to total it. That means not

(21:00):
only they give you forty two hundred, but they want to take the bus.
Right well, they have two options. They can give me forty five
hundred and take the bus, orthey can give me forty two hundred and
I can keep the bus. Yeah, they're no, You're not going to
take either of them. This iswrong. I know this is I mean,
I don't want a new bus,but I just want the repairs.

(21:22):
You've been working on this? Howlong you've been working on it? It's
been this has been my dream.And how long have you been working on
it? No? I can hearit in your voice. I want to
help you. How long have youbeen working on it? For about a
year? Did you do most ofthe work yourself on it? Yes?
And then I had someone come into do the walls and everything else,

(21:42):
and the paint man. So tellme this, okay, hold on.
I got to take a break.Just hold on, Veronica, this is
pissing me off. Three all threeseven one three talk. By the way,
fix It twenty four to seven hasthe best extreme clean just in tune
your AC. There's nothing more thoroughto get the dirt out to improve efficiency,

(22:07):
which will save you money in thelong run. Thirty nine dollars Fix
my home dot com. Go witha sure thing Denver's best roofer Excel Roofing
dot com. You don't pay acent until you're content. Time for an

(22:29):
insurance check up free, no obligationcomparison call Compass Insurance paying too much your
coverage at dozens of insurance companies findout now three all three seven to seven
to one help. You'll think you'rehis only customer when you choose Frank durand
the real estate Man dot com tolist your home with Remax Alliance three three
nine two zero sixteen twenty two.All right, we had a discussion off

(22:53):
the air, and I want toI just want to talk about this.
First of all. I just wantto you about first of all, Denver
Regen for weight Loss Denverregen dot com. But they're gone, They're they're going
crazy. Okay, So I don'tknow how long this program will lasts,
but it's two hundred and fifty amonth for your weight loss supplement or drug.

(23:15):
And that's the semiglue tide genuine semiglue tide, but it's compounded,
meaning it's the same stuff. Sowhat I want you to do is is
get in touch with them if youwant to get on this weight loss program
Denverregen dot com. That's with theirdrugs and the doctor and everything. So
I want to talk to here's theissue we have, Veronica. I am

(23:37):
one hundred percent on your side,but we hear the few issues we have.
So if it was a giant dollhousein your yard, or it was
a bus you're converting, or itwas whatever they hit, that party is
responsible for what they took from you. It's not here just the via.

(24:00):
It is the vehicle and whatever youcan substantiate just because you say you were
working on it a year and haveten thousand invested. Brian brought up a
good point. You're going to havea really tough time if you can't come
up with receipts and real expensive expenseslike tires, paint job. Okay,

(24:26):
now, When you say ten grand, do you mean you have ten thousand
dollars in receipts for the stuff youput into it? Yes, give us
an example. And I'm not arguing, but I'm trying to put you to
the test. Okay, the paintwas three thousand. Okay, good,
you have a receipt for a professionalpaint job. What else? Yes?

(24:47):
The construction was what construction? Whatconstruction? The walls inside, I had
to make cabinets, okay, justto prepare it. It had to be
all waterproofed inside okay. And areafor the generator, for the water pump,

(25:11):
water tanks. Everything now be prepped. Now, this is really important
to know. Can it be fixed? Yes? Okay? I mean have
you had people look at it andgive you an idea of what it might
cost to be fixed. I actuallytook the day off to day. I

(25:33):
have to take it to two placesto get an estimate. Because what I'm
thinking is this, here's what I'mthinking. Let's forget about the total value.
You know, you say you havefifteen grand in it. Let's forget
about that. Let's say it'll costseventy five hundred to fix. Then then
you could sue in small Claims Court. Is that. What I'm trying to

(25:55):
get at is Mark brought up duringduring the break we were talking. Our
YouTube morals can hear this and ourstreamers. But what he said was you
could hardly afford the insurance and youwere waiting until it went on the road
to even put up the insurance.How can you afford an attorney? And
you can't. So I know we'regoing to have to figure out a way

(26:18):
to do this without it cost youmore than it's worth. So get your
estimate and call us back. That'sthe first thing. See what it will
take. Did any of the interiorI don't think you're going to care about
the estimate whatsoever, because they're saying, hey, it's total. We'll give
you what is Marth Mark, We'renot going to deal with Fred Layer.
The reason for the estimate is tosue the other party in small claims court.

(26:41):
She has no contract with Fred LoyerVeronica. What I'd like to know,
though, is did they destroy thecabinets and all the interior work or
what was actually her? No,the only thing destroyed inside was a window,
the emergency window. Okay, okay, that's all. Then what what
about the outside? The outside.It was the the the driver rear side

(27:10):
nearly like, how bad is it? How bad do you have a Okay,
listen, but it's I know,I know. So what we're going
to try to get me get anestimate and call me back. Just do
that. That's the first thing.Okay, I believe you can sue the
driver of the other she destroyed yourproperty. Okay, it's not a vehicle,
you're not. It's you're not lookingat it like buying a vehicle.

(27:33):
It is your personal property, onyour property you were working on. You
have a right to be reimbursed forwhat it truly takes to fix it now
and then, and then you cansubstantiate that you want to fix it based
on your receipts. That's the wayI would go. I would not even
talk to Fred Loyer anymore. Andonce you put once you go to small

(27:55):
claim squirt, they either step inor you get a judgment again. This
woman, uh and that woman willhave to go to Fred Loya. I
just would not mess with them.Right now, do one thing at a
time, get your estimate quickly,and get back to us. Three oh
three, seven to one to three. Talk. Ron's got a question.
About hand and I got it.Let me ask Brian another question with hold

(28:17):
on, Ron, Ask Ron ifyou can hold uh? Mark, I
wanted to try to get to him. Go ahead, quick, let's do
it. Go ahead Mark, So, Brian, if I repaint my car,
I got a little lost in thepaint job. So I have a
night. I have a two thousandand four Tours that was green, and
you know, I go get apaint job for one thousand bucks at one
of these paint job places and thensomeone hits me they owe me an additional

(28:41):
thousand dollars at that point. Paintis a hard one because your assumption is
that the car is already painted.So I hear you, Mark, Mark's
after that three grand? And Idon't know how much how many times I
can say this. If she wasdriving on the street as a motor vehicle,
it would have been a completely differentstory. Then it parked on her
personal property as a project. Itis personal property, it's Brian, and

(29:08):
I'll tell you that that owners mightcover this. It changes the nature that
woman came on to her property anddestroyed something she had. This woman did
not have it as a motor vehicleat the time, and ensured as a
motor vehicle, because you're right,all of those arguments would come into play

(29:30):
if you're driving around a motor vehicle. They would still be responsible somewhat for
personal property, but the paint jobwould be more apropos on the road than
it is on a project car.Well, and I am curious to see
what the cost is to repair this, because let's say the cost to repair

(29:51):
the outside is four thousand. Shebasically just told us there's no damage inside
if they're given her forty two hundreds. Right, That's what I'm getting at.
That's why I want her to getan estrument. We'll figure it out.
But Mark's right, you don't justpay out the nose because you got
an old vehicle and you put toomuch money into it. No, but
let's say Mark, on the flipside, if you put new wheels on
the on the car, you justput you know, two thousand dollars worth

(30:11):
of wheels on the car, andsomeone slams into you and they total your
car, you absolutely should be reimbursedfor the two thousand dollars. That's right.
Any now, your company, differentstory. That's your company, their
company they destroyed. What's yours nowthe risk free service fee eight eight eight
Heating dot com twenty eight bucks.Let's say you got a water heater you're

(30:32):
wondering about. They can come outand service it, flush it, take
care of it for twenty eight bucks. If you need a new one,
they credit you twenty eight or ifyou need anything else one time. I
mean it's it's a service fee fortwenty eight bucks. Eight eight eight heating
dot com a company you can trustto come out and service with the risk
free service fee any plumbing issue twentyeight bucks. And that gets you the
service like a toilet, running toiletand all that. But if you need

(30:56):
something more, they credit you thatthree oh three seven seven zero two seven
seven six. Go with a surething Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you'recontent. Please time for an insurance
check up free no obligation comparison callCompass Insurance paying too much your coverage at

(31:19):
dozens of insurance companies find out nowthree oh three seven to seven to one
help. You'll think you're his onlycustomer when you choose Frank durand the Real
estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two ripped news. You need advise you don't have run

(31:48):
inxious as fast as we can showShooter's gonna help come. Sixth is the
Troubleshooter Show. No Tom Martinez,Hi Tom Artino here, Welcome to the
show. Three ozho three seven onethree talk seven one three eight two five
five. This hour brought to youbuy waterpros dot net the best water systems

(32:10):
at the lowest prices anywhere. Ijust marvel every day about my soft water,
my clean water, my pure water. Whatever you want drinking water fourteen
hundred bucks kitchen sink. Never buybottled water again. My filters have going
a year and a half and stilldon't have enough particulous to change them out.
I just do a test where thislittle digital thing water Pros three oh

(32:32):
three eighty six two five five fivefour. Let's talk. Okay, So
Jim's got a question about car accident. We have a compass insurance group with
us Brian Burns our insurance experts,so any questions on insurance, of course,
we're gonna take any questions outside ofinsurance as well. Plus, while
he's here, and when he's evenwhen they're not here, they do what's

(32:53):
called the insurance check up. Thatmeans you call with your declarations page and
say, hey, this one I'mpaying for my home, or this is
what I'm paying for my auto,or this is what I'm paying for both,
and what's out there, and theylet you know what's out there.
A state farm agent can't do that. A farmer's agent can't do that,
an all state agent can't do that. Fred Loyer, American family. They're

(33:15):
all captive. They have one thingto sell, only they can't compare.
They can't. So, now,Jim, what's your question or concern?
What's going on? Man? Stupidquestion. I was involved in a accident
with two vehicles. I'm one.I'm in the right, all right,

(33:43):
tell me it was so when yousay two vehicles, were you driving one?
I was sitting in a parked carwhen a truck bounced off of that.
Were you sitting in the driver's seat? Were you sitting in the driver's
seat? Yes? Okay, andyou were parked? Okay, go ahead
anyway, So they've agreed that it'sone hundred people, Well, hold on,

(34:07):
you were sitting there and what happened? A car bounced off of FedEx
semi and then hit me? Howdid it hit you on the side,
in the back, in the frontwhere you parked legally? I was in
a turn lane, but I wasparked. What does that mean? I

(34:29):
just stopped. He he's waiting.You were waiting for a turn signal or
something. Is that what you're saying? Yes, okay, so you weren't
parked, you were stopped. There'sa red light, there's a fed Ex
truck coming at me. I'm goingto turn the left and okay. So
okay, okay, bro, Igot you. I got you, Jim
that we don't call that parking.We call that stopped. Okay, So

(34:49):
you were in a stopped car andwhat happened? Then? All right?
And another car hit you? Nowwhat's the problem? Yes, so much.
My My vehicle has been in theshop for a month. Their insurance
is telling me that they're not goingto pay for my rental. My truck
will not be out of the shopfor another week. And I mean,

(35:14):
Jim, do you have on yourinsurance any rental car coverage? No?
Okay, you can't dictate the limitsof the other guy's coverage. But that
doesn't mean they're not responsible to you. Well, yeah, I was just

(35:35):
going to say, it's actually inyour own policy you're oftentimes limited to thirty
days. That's a very common restrictionon your own insurance. Right when someone
else's at fault, you're not boundby that thirty day limit because you don't
have a contract with that insurance company. So unless they are saying you have
cause delays or there's something abnormal,they should have to pay for the rental

(36:00):
car, they should. But ifthe other guy has limits, but there's
no limit, like for liability,those thirty day limitations are for your insurance.
It's for your car, not forother p No, I get that.
Here's what I'm asking, isn't itisn't it visible? Hold on?
Isn't it possible that the other partyhas a limited liab their liability limits them

(36:22):
to thirty days? No for someoneelse? No, okay, gun liability
is a dollar amount, thank you, but not for not specific for rental,
it's a I have five thousand dollars, they can pay more. They
want what they're trying to do.Okay, So yeah, Jim that other
part and no matter what his insurancedoes the other party, they will be
responsible to you personally if that insurancedoesn't pay they cause you this damage.

(36:45):
What's the name of the other insuranceFarmers? Of course, who's your insurance?
Okay, they're both bad. Okay, so the other guy's insurance is
Farmers and they won't. Well,you know what you're gonna Here's what you're

(37:07):
gonna do. You're gonna keep therental until your car is done, not
a day longer. And if thatcompany says we're not paying for it,
you're gonna tell them this whatever,I don't care what you do. I
am suing. You're insured for thedamages because they damaged me. And whatever

(37:32):
I don't get from you, I'mgoing to get from them directly, and
then maybe they'll go after you forbad faith. You have to really be
strong on that. Okay, Jim, did you understand what I said?
First? You tell them I gotit. You tell them, hey,
I don't care what you do.Okay, I don't have a contract with

(37:53):
you. All I know is thatyour dude injured me and I'm getting what
I have coming. And then letus know what happens. But there's no
way they can't pay you. Now, how about with all these delays going
on, and thanks for calling,Jim, I want you to let us
know what happens. So Brian,back to you. Now, with all

(38:14):
these delays going on with parts suppliesand all of this crap we've been hearing
about, tell me what happens ifit's unconscionable. Okay, yeah, I
mean it could take three months,right, No, I know, And
if your own insurance is paying,you are going to have problems because your
policy is going to state that it'sonly limited to thirty days. But if

(38:35):
someone else causes some homage, yeah, I mean, like I said,
if there's anything that they're able topoint to that says this is, you
know, more than just a normaldelay. This is something that you're causing
a delay. You're liable' you're causingthe problem, then they're not going to
pay that. But if you justcan't get your car fixed, you can

(38:55):
argue the fact that, hey,I'm not the one that caused it.
You're insured. That's right, that'sright. You see, this is the
whole concept. Their liability has tocover you. You do not have a
contract with them. They can't dictateterms and conditions to you. The only

(39:16):
thing that dictates terms and conditions wouldbe law or reasonableness. For example,
as Brian said, if you tellthe guy I like driving this rental,
I want you to delay my repair. Or you ordered something that wasn't on

(39:39):
the original car and that's taking adelay. Or there's three other shops that
could take you in today and you'relike, nope, I'm only going to
work with this shop, but they'rethree months out. That's unreasonable. Yes,
exactly so reasonable. This will prevail. But if it's a legit damage,
these a holes have to pay itto you. So anyway, three

(40:00):
all three seven one three Tom threeoh three seven one three eight two five
five. Now we talk to Randy. Randy, what's happened in Randy?
Okay, this is a question regardingmy Homer's insurance. I also have USAA.
I'm extremely happy with them. Myquestion is I was speaking to the

(40:24):
representative regarding hail damage. I toldhim that my roof was probably thirteen years
old, and he told me thatdidn't matter because they do a full they
do full replacement. I'm wondering,well they do full Everyone does full replacement.
But I mean, if you write, I don't know, somebody does

(40:46):
he What you're saying is it's notactual cash value, which is great.
Okay, that's what I mean.That's what you want to make sure of.
That's great. What I meant wasif you have a full replacement policy,
it doesn't matter how old your roofis. But can they force you
at some point if they put anote in their file? Yes, can
they force you in five years?Can they say to him, we're not

(41:06):
ensuring you unless you get a newroof. They can non renew. It
has to be at renewal, butthey can choose to non renew. Okay,
either at renewal or underwriting. Canthey demand a new roof? Yes,
or terminate the policy? They cansay that, yeah. But what
was your question on that? Well, my question was what was the difference
to the actual cash value in thefull replacement IUE? And you just expla

(41:28):
big time, big time ACV takesyour roof and depreciates it. So let's
say, to make it really easy, if your roof was a twenty year
roof and you had it ten years, you theoretically have used up half of
it. You'll only get paid forhalf, and then your deductibles on top
of that, and another wording thatyou'll find insurance policies because a lot of

(41:52):
them have stopped using the term actualcash value. But you'll see something on
there called a roof schedule. It'sequivalent. It's just that they're spelling out
what the roof schedule is. Soinstead of saying, hey, it's what
actual cash value is, they're actuallyspecifying. And you'll see a chart in
your policy that says every year thatthat roof gets older, it will tell

(42:15):
you what how much of it they'llpay for. So you have to kind
of dig through your policy to seeit. But I see that all the
time. Now, okay, verytricky. One more question things. Okay,
on my policy, I have aseparate wind and hail from my house.

(42:36):
And then it says other covered perils. When you say separate wind and
hail, is it a separate deductiblefor wind and hail. Yes, okay,
and it's got other covered perils.And during the summertime, you know,
inhale, wind and hail season,I lower my deductible to pretty much
almost the minimum. But you hadsaid something about not getting the the two

(43:05):
percent deductible two percent I guess ofthe value of the house. Yep,
but I'm actually I looked at mypolicy and I am doing that for other
covered perils two percent, which ish That's it's abnormal. You can't usually
carry an all other peril that ishigher than your wind and hail. Is

(43:27):
that what you're saying you're doing.You're saying you have a defined collision accuse
to me, a defined deductible onwind and hail, but you have a
two percent deductible on every other perils. I think it's just the opposite.
I know. I'm looking at mypolicy right here. I've got it on
my laptop. I can take myother peril coverage up to ten thousand dollars

(43:52):
all the way down the five hundredand then one percent, and then two
percent, and those are totally That'snot a good that's not a good policy.
Bro. You need to get Yousay you're extremely happy with him.
I don't know why you are.Well, he's saying he changing, okay,
So yeah, what I'm curious aboutis if you actually try to go

(44:13):
through with the change. I havenever seen a policy. I've been doing
this for thirty years. I've neverseen a policy where the all other covered
peril is lower than the wind andhail, So I don't know if you
can actually do that at the endof the day, Like if you try
to submit that through, my guessis that your wind in hail will also
go up. But you know,I just have never seen it. But

(44:37):
and listen, pe okay, listen. You can hold if you have more
questions. I got to take abreak. Three O three seven one three
talk. Here's what I want totell you, though, Call for the
insurance check up. Anyone listening.There's no nothing to lose. You could
possibly save a ton of money.Three oh three nine nine to six nine
thousand. Go with a sure thingDenver's best roofer Excel Roofing dot com.

(45:07):
You don't pay a cent until you'recontent. Time for an insurance checkup free,
no obligation. In comparison, callCompass Insurance paying too much your coverage
at dozens of insurance companies find outnow three O three seven to seven to
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three oh three

(45:30):
nine two zero sixteen twenty two.Hi Tom Martine, here, let's talk
Randy, do you have any lastminute questions here? Randy, I'll let
you. If not, I'm gonnago on to Connie. Randy real yeah,
I have a real quick, quickgo ahead, sir. Considering looking

(45:51):
at other insurance companies because of price. I've heard that some insurance companies,
if you have a little wire inyour house, we'll require you to update
that before they'll know the issue.You a policy you know well of finds
out if that's true. Yeah,you know, it actually is difficult to

(46:12):
get insurance with aluminum wiring. Iwill tell you this. I came on
not too long ago because someone wasstruggling with this. I will tell you
as I look through applications, soa lot of a lot of companies don't
even ask the question. Now,if I was to call them and say,
hey, this home has aluminum wiring, they would say, I don't
think that's a good fit for us. But what I'm telling you is that

(46:32):
doesn't mean that they have an exclusion. Don't ask, don't tell. That's
kind of what the what the problemis there? Yep, listen, you
could you could do this. Youcould try right and if they say,
you know, Compass can can accomplishthat in one phone call and compare you
with twenty five or more companies.Okay, I think the starting point is

(46:57):
before you go down the road ofhaving even the conversation, but the aluminum
wire, since that's not a questioneven on the quoting or the application.
Just get a quote and if andyou can see where that's coming in and
then if it's if you're seeing thatit's big savings, then we can talk
a little bit further. But itwould always say a savings. In other
words, if it's a big savings, now it'll be proportional savings. No

(47:17):
matter what, it's going to beproportional. So even if it's a little
more expensive, it'll be a littlemore expensive everywhere. But they can give
you a really good idea of whereyou stand exactly. Why is there thank
you Randy. Why is there stilla disparity on what people pay? Why
is the insurance check up working?Why is it working? Because I thought
everything just went sky high, everythingwent up, but there's still, you

(47:43):
know, different rates out there.So even with us, when someone calls,
all see rates that vary by overthree hundred percent between carriers. So
far, this is the longest I'vebeen with a carrier. Why? Yeah,
because your situation, as far aswhat you have insurance on, it's
a limited number of carriers that aregoing to do that, plus your occupation

(48:05):
and everything else. You're just ina situation where there's not a ton of
carriers that are going to want todo it. Mark lies about his occupation,
so he gets around it. Soanyway, let's go to Connie.
Connie, what's happening? Hi,Hi, Connie, what's going on?
We're taking my car? Well,I don't know if I have any recourses.

(48:29):
At least I will get the wordout. My husband passed away.
And he when did he pass away? When it was May third, twenty
twenty two. Oh okay, I'msorry, put kat Okay, so May
twenty twenty two. Uh huh,go ahead. So he made these sales

(48:51):
in November of twenty one up inCordillera in Edwards, Colorado. So there
were four significant sales. Now,did he own the company? No,
he worked for Eco Roup and Soler. They're based out of Denver, Louisiana.
Okay, Texas. Now, nowhe made these sales and he was

(49:15):
a commissioned salesperson. Correct. Okay, So did they did he die with
them owing him money? Yes?And he okay, So let me ask
you that he died in May oftwenty twenty two, he made these sales
in fall of twenty twenty one.Why didn't he pursue you know, after

(49:35):
all those months. Why didn't heget paid while he was alive. Because
they don't start work up up inEdwards County or up in the mountains until
spring or maybe even early summer,so he wouldn't have been paid until those
jobs were come Okay, And bythe way, many companies, here's what

(49:57):
I'm going to tell you, ifthey're normal policy, not for people who
pass away, but if their normalpolicy is commissions are doing payable upon the
sale. That's one thing some companiesdon't do that. The commission is doing
payable upon completion of the contract orexecution of the contract, meaning or or

(50:21):
excuse me, when they start work. So really, whatever their normal thing
is, that's what would happen.So if in fact, they didn't start
the jobs until after your husband died, and that's their normal policy, then
you wouldn't be owed the money,but you certainly would be owed the money
if they pay most everyone else whenthe sales made. So do you know

(50:44):
what their policy is or what ithas been in the past. I would
say, I can't tell you onehundred percent, but based on his pay
yeah, his pass would get paidwhen the jobs were finished. Okay,
Well, then might get like alittle. He could ask for an advance,

(51:07):
or he could ask for you know, some of the money up front,
which he had done before. No, I understand that. But was
it doing payable or wasn't in advance? He didn't ask for anything in advance?
He was no. You said hecould, but what But sometimes sometimes
here's my gut. My gut isit wasn't doing payable and he died and

(51:30):
someone else took it over. That'smy gut. If if did you?
By the way, have you calledthe company many times? I've been in
contact with them since my husband passedaway, and they did tell me they
were going to honor, you know, and pay me. So how much

(51:50):
how much was he due? Imean, if he was alive and the
jobs were completed, how much wouldhe have made? I would say between
five and fifteen thousand per job?Oh my goodness, gracious, yes,
Now you could really use that money, I imagine. Now, Connie I

(52:13):
could. Yeah, Connie, tellme this. Are they willing to pay
anything? When's the last time youtalked to him? I guess maybe three
months ago. Now they have meblack. I also called the partner and
he seemed quite willing to work withme. But it's the offer. Chief
in mind, Connie. They maynot. They may not owe him the

(52:35):
money. They may not. Itruly my question, like, let's put
it this way, what if heleft the company? Would they have paid
him instead of dying? If ifhe left the company the same time,
what you have been paid for that? I don't think he would have left
the company without being paid, Butyeah, probably not. I don't know.

(52:57):
I don't know what kind of butthat's the point I'm making. If
they're if commissions are due when thejob's complete, they have a right to
have that policy, and even thoughit leaves you on a lurch, they
have a right to do it.Now, of course, a company could
say, you know what, hemade the sale, we closed on it,
we did the job. No oneelse really lifted a finger. Let's

(53:21):
toss her some money here. Imean, here's what I'd like to do.
I would like one of our peopleto call them, since they have
you blocked and just not demand anything, but see if they'd be willing to
pay anything, that would be awesome. Who should we do? Who should
who do you recommend? Mark orKachina? Who do you recommend that we

(53:44):
have do this? Dollar? I'vegot dollar and chopper here today, let's
have don't do we're going to shareany information? Well, who knows,
we'll see, We're gonna we're gonnawalk in with information. We're gonna say
you recently had this guy passed away. We're just curious about his widow.
I mean, if your policy isthe jobs complete, if in reality no

(54:08):
one really had to work at it, I mean, who knows. It's
a toss up, Connie, butI think it's worth it. Try it
can't hurt. I think you putit perfectly. If he just got up
and left one day, yeah,I would turn out. Yeah, probably
would not have been paid. Andyeah, there's so many instances where people

(54:30):
think something changes with death, meaningthat the policies even it's crazy. Wouldn't
it technically be the estate going afterthe money at this point if lawyers got
involved, Well, let's say therewas a legal obligation, Yeah, it
would be. But then it wouldjust go to her. I mean,
because if she was his representative,it would be the same as him going

(54:52):
after or the estate. But Ithink this, I think that he's probably
not going to be due because they'regoing to say, listen, if people
leave, yeahin death is leaving ifthey don't follow through the sale. We
only pay commission upon the completion,you know, Connie. We get calls
at least I don't know. I'dsay monthly, maybe maybe bi monthly where

(55:15):
people's mother or father pass away inan old folks home and Martin, you
read my mind. You read mymind, yeap, and tell her what
happens. I mean, it's amazing. Well, the lease is still valid
and if they really want to,they can go after the estate for whatever's
not getting paid. Yeah, ifthe if the woman or man died without
giving notice, I'm serious, Ifyou don't give notice, then they have

(55:38):
to pay for the extra month ortwo or let's say there's a sixty day
notice required and someone dies, theycan hold you to that sixty day notice
and take the money out of theestate. I'm Tom Martine. We got
more coming up on the Troubleshooter show. Go with a Sure Thing, Denver's

(56:00):
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 yourcoverage at dozens of insurance companies find out
now three oh three seven seven toone help. You'll think you're his only
customer when you choose Frank durand thereal estate Man dot com to list your

(56:23):
home with Remax Alliance three oh threenine two zero sixteen twenty two. I
might have just done it earlier today. I don't know, because I was
talking to Brian. Brian texted mesomething. I texted him back, but
I may not have been on Brian'sphone. We'll see three oh three seven

(56:44):
to one three talk Treero three sevenone three eight two five five. Hey,
listen, don't forget. I don'tsay this enough three oh three Martino,
because that's the one out you cancall twenty four to seven. Leave
your number, We'll get back toyou and get you on the show.
Three o three six two seventy foursixty six. Don was going on HI
to them. Hey, I havea homeowners insurance question. Yes, sir

(57:07):
kind of has to do it.Yeah, you know how like flood insurance
is cost prohibitive, so we don'tmove in. It's cost prohibitive only in
a floodplain. That's why had theyhave the federal subsidy. It is very
reasonable everywhere else. Okay, sohere's my question. Kind of associated with
that, I'd like to move intothe trees in central Colorado? Would and

(57:29):
we have a family presence in beautavistThe sort of thing is the same true
of fire insurance and a forest Ino, go. Yeah, it's not
even just cost prohibitive, which Iguess would if you could get insurance,
it'd be cost prohibitive. But it'sreally hard to get insurance. What kind
of insurance if you're ten miles away, it's bad. You can't wait a
minute, you're telling me that Ihave a house in the forest, I

(57:52):
can't get it covered? Yes?What? Yeah? Yep? And you
know Colorado is trying to put togethera plant Well do they do? That's
going to be the perils except fire? Well, they just won't ensure you.
But I have seen companies they willoffer insurance and say, but we're
not going to cover forest fire rightnow? I mean what do they consider

(58:13):
force marks near a lot of trees. I'm going to rat them out ten
miles. Yeah, it's within fivemiles of a fire department. Used to
be kind of the standard. That'sno longer even it they So what insurance
companies go by getting insurance? He'sgrand because I have two fire departments.
Pretty damn close. Yeah, butit's not even it doesn't even matter about
the fire departments. Really. Whatthey look at now is called a fire

(58:36):
score, and your fire score canbe from like whatever, zero to one
hundred, let's say, And ifyour fire score is above fifty, it's
really hard to find insurance without goingto a specialty care. Do they count
it there? Wait? Wait,wait, there's a huge flaw in what
you just said. And I'm talkingabout my house when you shot me last

(58:57):
time. You guys shot me everyyear, which really strange. Some companies
have my fire score is way higherthan other ones, so it's like completely
arbitrum. How do they determine that? Yeah, and so that's the problem
is you start to try to pushdown on their fire score and they say,
well, that's our proprietary information,so they don't it's not it's not
a standardized amount, because like somecarriers go up to one hundred, and

(59:22):
I've seen others that like say thatit's a different score up to eighty let's
say, so it just depends onthe carrier. But they all are using
fire scores now, and if yourfire score is high, it's really hard
to find a admitted carrier in thestate of Colorado that's going to take it.
And that goes for like Evergreen.You know, carriers like State Farm

(59:45):
used to write homes and Evergreen waylonger than anybody else did. Well,
not anymore. They're not taking anynew homes in Evergreen. They won't ensure
them, and so you have togo to a specialty carrier for it.
Okay, now go ahead, Martin. Were you going to say something?
No, this was this was thecaller. Do Yeah, I'm sorry to

(01:00:06):
leave you out. I'm sorry toleave you out. Go ahead, since
you're the one that called don Sorry. Well, no, I'm a little
more confused than ever like that,So I don't. I just can't shop
the forest unless I self insured kindof thing. Well, what I was
saying that is that I don't blamethem. It just what I what I
was saying is that you might beable to find insurance with a specialty carrier.

(01:00:29):
Like, we have a specialty carrierright now. The name of it
is called Vault V A U LT. And this is a company.
It's not admitted, so it's anit's a surplus line carrier. What does
that mean. It's not regularly butregulated by the state of Colorado. You're
you're not you're not bound by thesame rules of Colorado. It's didn't know
exempt companies were allowed to even Oh, there's tons of them here. Yeah,

(01:00:51):
Like have you ever heard of abroker called Burns and Wilcox. No,
they're a huge Uh so they docompanies and so they just deal with
with why are they allowed to sellin a state where they're not licensed.
Well, it's not that they're notlicensed, they're just not admitted. They
don't have to file their their rateswith the state of Colorado, so they
can make changes quickly. Yeah.But but okay, but there's something to

(01:01:14):
be said about that. I mean, what I mean is sometimes that might
be our only option. Yes,well, and that's when you go to
surplus is you have to have denialsfrom admitted carriers first. But it's not
hard to get denied whenever you're ina high fire risk area. So for
this gentleman's case, before you gospend the money on buying the land and
buying and starting the process of buildinga home, work on the insurance first.

(01:01:37):
Make sure it's something you can evenget insurance on. Wow, okay,
hey quickly, I saw one areawhere the two acre parcels they don't
the parcels are on well for homeuse and agriculture, but there's fire hidants
in the street. Well there's somethinglike that. I mean, how do
I can we figure out our ownfire scores? There some form I can

(01:02:00):
start using to look at different properties. No, you know, I mean
yeah, if you're more in anarea where it is closer kind of to
Mark's point, you're within five milesof a fire department and you have fire
hydrants, you have a much bettercase to have a conversation with an underwriter.
But that still doesn't determine the firescore. Yeah. If you think
Green is within fire, fire saysa big fire and there's no water,

(01:02:23):
that's a big problem. That's abig problem. But what I'm telling you
is, like a place like Evergreenhas fire departments within five miles and they
have a lot of places have firehydrants, yet they're still not eligible with
most standard carriers or most most admittedcarriers. So I'm just saying, just
because you find a property that hasa fire hydrant within close proximity, that

(01:02:45):
doesn't mean you're going to have alow fire score. Wow. Okay,
well that's that's helpful. Why areyou living in a forest? Man?
Are you living in a forest?No, I would like to. We
have a little house in town andbeing a and then a little sister has
a little farm outside of the investa. She's the one that's on a well
but has a hydrant. But Iwanted to move, you know, retire

(01:03:08):
up there kind of more in thetrees. Yeah. I see what you're
saying. You know, man,that I just did a quote for someone
that moved in an area that iswas impossible to find a sure way?
Joe? How am I ended upfinding it? It was? It was
in a more expensive home. Itwas about two point five million. I
found insurance for it. Uh.The premium on the home insurance was twenty

(01:03:30):
two thousand. Oh that was thepremium. And let me tell you you
know what, God, do youknow what the deductible was for forest fire,
was just for fire. I shouldn'teven say forest fire, the fire,
the peril, for fire, thedeductible one hundred thousand dollars. Go
with a sure thing Denver's best rooferExcel Roofing dot com. You don't pay

(01:03:52):
a cent until you're content. Timefor an insurance check up. Free obligation.
In comparison, call Compass insurance payingtoo much your coverage at dozens of
insurance companies find out Now three ohthree seven seven to one help. You'll
think you're his only customer when youchoose Frank durand the real estate Man dot

(01:04:13):
com to list your home with RemaxAlliance three oh three nine two zero sixteen
twenty two highs tom Marts you knowhere three oh three seven one three talk
seven one three eight two five five. Brian Burns is with us. We've
been very, very busy talking aboutinsurance. Wow, more than we've had

(01:04:35):
in a long time. That's becauseinsurance is getting so expensive and yet it's
such a necessity. I mean,no one wants to be unassured right.
Our number is three oh three sevenone three talk seven one three eight two
five five. You can also callthree oh three Martino twenty four seven,
three oh three six two seventy foursixty six. Now something I want to

(01:04:57):
say that when when they're not here, they still do this insurance checkup.
So I want you to be ableto call them, because we're going to
use some examples today of people whosaved money. Okay, so the insurance
checkup is three oh three nine ninethousand, three oh three nine ninety six
nine thousand, have your declaratious pageready and then ask him any question you

(01:05:21):
want. We'll take all of yourcalls coming up. That means both your
consumer calls and your insurance calls.They're both consumer calls. Right, whatever
you have on your mind, giveus a call, and we have more
coming up on the Troubleshooter Show.Three oh three Martino three oh three six
two seven eight four sixty six.Go with a sure thing Denver's Best roofer

(01:05:57):
Excel Roofing dot com. You don'tpay us sex until you're content, leave
time for an insurance check up free, no obligation comparison call Compass Insurance paying
too much your coverage at dozens ofinsurance companies find out now three oh three
seven seven one help. You'll thinkyou're his only customer when you choose Frank
durand the real estate Man dot Comto list your home with Remax Alliance three

(01:06:21):
oh three nine two zero sixteen twentytwo rit News need so you don't have
come run in sustas as we can. Shooter's gonna help come Man six is

(01:06:45):
the Troubleshooter Show. No Tom Martinotime, Tom Martino here, Welcome to
the show. Three oh three sevenone three talk is our number or three
oh three Martino and you can callthat twenty four to seven Leaven message.
We'll get back to you, oryou can come right live on the studio
when we're on the air. Threezho three Martino three oh three sixty two
seven eight four sixty six. Thishour brought to you by Fix at twenty

(01:07:09):
four to seven. When I tellyou they have the best cleaning system when
it comes to air and heat andHVAC systems, they get the dirt out
the number one killer Fix at twentyfour to seven. Fix at home dot
Com just thirty nine bucks, apractical refurbishment of the entire system. Now,
somebody said, Tom, you know, don't these companies just want to
get in your home and sell yousomething. Now, I'm going to tell

(01:07:30):
you something. They do want toget in your home. They do want
to become your company, but theydon't want to fix something. They don't
want to replace it if they don'thave to. They want to leave you
with a great impression of thirty ninebucks. Now, this is for most
legit companies that have specials, butespecially this one. Now, but here's
the deal. If they do findsomething wrong, they want to tell you
you have a choice. But ifyou ever have a question about anything.

(01:07:51):
Ever, when it comes to anykind of loss leader or deals for any
company, no matter who who itis, what you should do is basically
get a second opinion or write orwrite it for a while. I mean,
unless something is urgent and you don'thave poison spewing into your home,

(01:08:13):
or when it comes to your waterheater, you don't have leaking and you
don't have big problems, then takeit one step at a time, for
all home services, for all mechanicalissues, for all problems. Anyway.
That's that's my little two cents therenow, Steve welcome, appreciate you calling,
and anyone else who wants to callgive us a call right now three

(01:08:33):
oh three seven one three talk sevenone three eight two five five. He
wants to talk about an HOA.Go ahead, Steve, Well, thanks
for taking our call, Sir.We have lived in this home about these
seven years and four and a halfyears ago we wrote a detailed letter to
our HOA about their property that's adjacentto our backyard. We gave pictures,

(01:08:55):
showed them plants that had died.It's just gotten worse left eighteen months where
a sizable portion of our backyard we'velost about ten plants. And it's the
erosion of their property. Are theyjust totally not maintaining it all this time?
It's been four and a half years. They have not changed it at

(01:09:17):
all. In four and a halfyears. It's got quite a slope and
it drained straight into our sideyard andthen last year during the heavy rainstorms,
it contributed to helping flood our basement. Okay, so it's really have you
talked to the neighbors, Well,the HOA is our neighbor in this case.

(01:09:40):
They own the piece of property adjacentto us. Wait a minute,
Wait a minute, so it isnot a residence. I know it's HOA
property, but when you say,ha property. Is it a swimming pool,
is it a clubhouse? Is it? What? What is it?
Common area? What is it?It's just a piece of dirt, open

(01:10:03):
space. So it's common uncommon area. Yeah, it's uncommon. I mean
no one uses it really, Okay, So okay, so it's the Hoy's

(01:10:23):
property, which means part of yourproperty. What's going on again? Like?
What are what? What? Like? What are they doing about it
anything? I mean you would thinkthey'd want to fix it, right,
well, you'd think so again.We tried a few years ago, and
then we just tried again about ninetydays ago. We asked them to come
out and look at it, andit was getting so bad they brought out

(01:10:45):
a landscaping company. The landscaping companythought that, you know, during the
discussion it needed to be repaired.But when it went to the board meeting,
this last is your house the onlyone? Is your house the only
one affected by this? It is? And what specifically did you have an

(01:11:05):
expert look at it? Like?Is anyone telling you specifically what's wrong with
it? It's just poorly grated.We started, is there grass? What's
on it right now? Is itdirt? What is it? You know,
I think at one time it wasjust weed and so forth. But

(01:11:25):
because of the size of the slope, it's just erode it into nothing but
a large swaths of dirt, andso nothing's holding back to dirt from pouring
onto our property. Okay, didyou know that you could go to the
county about that? You know?I did that actually, and the county

(01:11:47):
came out and sent several emails,and once the HOA got involved, they
said it was their private property,but the the county did believe that it
needed to be regraded. And nowa couple of years ago, why why
is the HUA just resistant? Doyou have an active board? Do you

(01:12:10):
have a management company? We dohave a management company, and I don't
know if the board is active andknowledgeable, but well, what do you
do they have meetings? Does theHUA board have meetings? They do?
I believe it's every other month.I went to a meeting four and a
half years ago, gave him myrule. That's not going to help.
You obviously have to go again.There's probably even different officers, and you're

(01:12:34):
gonna have to threaten legal action.I don't know what else to do,
man, I mean, we cancall them for you. But ha's Of
all the problems we handle, hoasare the worst because no one cares.
If there's no one person who isthe HOA, so no one cares about

(01:12:59):
any part of it any pot.There's not one HOA that I know of
where people care. They say theycare, but they don't. They all
care about certain things. No onecares that as a community. The management
companies especially don't care. Management companiessimply want to keep the HA quiet and
peaceful so they can collect their fees. That no one, no one,

(01:13:23):
and I mean no one wants toaddress HA issues. No one, they
don't. There's they that the officerswant to avoid it and the management company
wants to avoid it. It's thesheer nature of the operation. So what
you have to do is upset thestatus quo. You literally have to upset

(01:13:43):
the status quot. Now, oneof the unfortunate things is that if you
had an attorney write a letter tothe HA threatening legal action if they continue
to damage your property, you're goingto have to show damages and all that,
of course, but then if theyrespond with an attorney, it comes
out of the HA. So you'regoing to be paying for part paying for

(01:14:04):
fighting you what they should do.What they should do is say, instead
of hiring attorney and fighting you,they should say, what can we do
to correct the situation? But again, they don't act. They react,
so honest to God, I'm notjust pointing this out to you. It's

(01:14:26):
just the nature of the beast.No one cares. No one does.
And frankly, when the people areon the board who think they care,
they get discouraged too because they suddenlyfind out that no one cares. And
so they're thinking, well, I'mon the board and none of the members
care, so we don't care.I mean, they may have brought it

(01:14:49):
up with each other and they don'twant to spend the money. It's just
the weirdest thing in the world.Some you know, here's the thing.
Who's your management company? What's thename of them? It's Canterbury Crossing is
the homeowners Association. The management companyis a local company downtown Parker. Have

(01:15:15):
you ever gone in to visit themanagement company. Actually, I've talked to
the head of the management company andalso he sent out a management person about
three months ago. And what didthey say, you know, they said
they would take it to the board. They had the landscape company come out

(01:15:39):
here and meet them. And duringthose discussions, I was barely encouraged because
the management or the landscape company,what happens. What happened, Uh,
basically on Monday night, they metand they decided that they're not going to
do anything. Okay, that's whatwe got to name. Then then they
aren't ignoring you. You got youranswer. They're not going to do anything.

(01:16:00):
And by the way, that isexactly what's supposed to happen. They're
supposed to talk to an expert.Then they're supposed to meet amongst themselves and
make a decision. And so theyare handling this. They have decided it
is not an issue they had unfortunatelyfor us. But that's not what I

(01:16:24):
heard during the meeting with the landscapecompany. He could see all the damage
being done. Yeah, but theydecided not to do anything. Right,
right, Well, they have achoice. They can do that. I'm
not saying it's right, by theway, I hope you don't hear me
saying that. But what I'm sayingis you live under their rules and they
say, now there is no problem. Now you disagree. But when you

(01:16:45):
disagree and they don't agree with yourdisagreement. That's why it's a disagreement.
You have to take it to anoutside arbiter. And if either arbitration,
if that's what you as signed upfor, or you sue them. There
is no other answer. They've alreadyhandled it. I thought they weren't handling

(01:17:06):
it. We were going to calland try to light a fire under him
to look at it. They've alreadylooked at it. Now you can use
in your lawsuit. You can usethe landscaper. What did the landscaper say
it would take to fix it?How much did you find out? He
never gave us a price. Hejust talked about how he would go about

(01:17:27):
fixing the issue. Get a price. You're gonna before you do anything,
you need a damage And your insurancecompany did they subrogate against the HOA when
your flooding happened. You know,we ended up doing most of the cleanup
and then all we had to dois replace about a twelve x twelve piece
of carpet for four hundred bucks.Okay, well then you're lucky. What

(01:17:51):
you ought to do right now isget a price on what it would take
to correct that drainage, a realprice. Then your attorney presents to the
Hua the choice of paying that andgetting it done or being sued. Okay,

(01:18:11):
it's unfortunately what you have to do. And then you know and then
and then you can stay in touchwith us each step of the way.
But sometimes it sounds like a painin the asked eve. But it's something
that once you start might just theymight just have enough common sense to say,
let's fix it. Like what ifit's only going to take five thousand

(01:18:33):
dollars to fix it? I don'tknow. I would call the landscaper and
see if they'll if he'll give youan idea of how much? All right?
And then when you always here's thequickest way to a solution. You
present a problem and then a solution. And if you present just the problem

(01:18:54):
and the solution is wide open,they don't like it. So give me
a call back and let me knowwhat happens. Three O three seven one
three talk seven one three eight twofive five eight eight eight. Heating dot
Com the risk free service fee twentyeight bucks. Get any one item,
plumbing item, electrical item, HVACitems serviced and checked twenty eight dollars.

(01:19:17):
If you need any serious stuff goingon here, they'll credit you the twenty
eight, but it's risk free.That's all you pay eight eight eight heating
dot com. Go with a surething Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance check

(01:19:43):
up free, no obligation. Incomparison, call Compass Insurance paying too much
your coverage at dozens of insurance companiesfind out now three all three seven seven
to one help. You'll think you'rehis only customer when you choose Frank durand
the real estate man dot com tolist your home with Remax Alliance three all
three nine two zero sixteen twenty two. Tom Martino here three all three seven

(01:20:12):
to one to three talk three allthree seven one three eight two five five.
We have Compass Insurance Group with us, and my goodness, we've had
a lot of insurance calls and nowI'm going to go some text messages about
insurance. And somebody said, Tom, you were going to talk about increases,
but you didn't talk about it yet. Why, Okay, I know

(01:20:33):
what you're gonna say, losses,But does that go for auto and home
and everything and around the country.Brian, we're talking about around the country.
Okay, we're not just talking Colorado, so let's talk about what's going
on around the country. Why whywhy insurance is going crazy? Well,
I mean if obviously, if we'retalking about auto, yeah, let's okay,

(01:20:55):
let's take one at a time,whatever you want to do. A
big reason for the increases in autois also the increased cost of the vehicles
that we're driving. So, Imean, just look at what the cost
of vehicles are. They're going upand the more and more they're becoming like
computers. A small fender bender iscosting substantially more now today than okay,
I can buy that. So that'sgoing to have an effect on your insurance

(01:21:16):
rates. It's going to go up, you know. And I know we're
talking across the country. Uh,obviously in Colorado we have added elements to
that that is causing our rates togo up even more. Guys, there's
one word for this, and youboth know what it is. Inflation Bidenomics.
Do you think so, Mark,really, I mean, what do

(01:21:38):
you think Brian not be getting butour current economic client. I don't know
if that if that is it,I don't know. I know it's not
COVID anymore, is it? Whatis it? Well, I I'm going
off of with Colorado. If you'rethere was actually an article and I wish
I would have pulled it up inDenver Post just uh maybe a month ago,
a couple months ago, talking abouthow Colorado rates have just gone nuts.

(01:22:01):
Here. Okay, so that's notBiden, I mixed Colorado Colorado.
Colorado has had more hail losses tovehicles. They're number two in the entire
country, right behind Texas. Sothey've had more losses as a result of
hail than any other state in thecountry other than Texas. So you're going
to see that that's going to havean effect on your rate as well.

(01:22:23):
So in Colorado it's higher than thecountry. And how about the thirty five
percent of people that aren't even coveredwith auto insurance in the state of Colorado
and the sixty percent plus that areactually undercovered. How about if we change
right, are not covered at all? Which mark you're exactly right. Another
piece to what you're seeing your whereyou're seeing your rates go up is on

(01:22:45):
the uninsured motorists. Right so farand so far in twenty twenty four,
the number one New York has thehighest rates. Florida is number two,
Louisiana is number three, three,Colorado is four. Wow, yeah,
number four in the top five.Oh my god. And that's because ours

(01:23:08):
can be tied to hail damage.That's what hail damage is. And fires.
Let's not forget fire, but notcars though, Mark, we're not
talking to houses now, but cars. Yeah. Yeah, And then okay,
what about homes? What about homes? Well? Home insurance? Still
are we number five? Are weup? I just saw the thing that
said number four underneath auto insurance.I'm not sure about home insurance where our

(01:23:31):
rates compared to the entire nation,But I guarantee you it's it's up there.
It's up there, and costs it'snot going to be as much as
Florida. Okay, we're gonna findout in a second year. I'm asking
Professor bing So really, Oklahoma,Kansas, Nebraska, guess what Florida,
Colorado, they're up there, therewe are. And that's all because of
weather. That's all hail and tornadoesand it marks right, there is fire.

(01:23:56):
But fire is even though it dominatesthe news a lot of times.
And there are places that are hardto get insurance period. What drives they
said, Colorado is one of those. Yeah, what drives the rates in
Colorado for home insurance too is hail. Hail is what cause? They say
here in Colorado. Wildfires and halare the two biggest ones. Yep,

(01:24:18):
wildfires and hal now in Florida.Hurricanes in Nebraska. Hmm, it says
similar to Kansas and Kansas is basicallythey don't give a specific it must just
be weathered. Well, yeah,I mean you think of tornado. Those
tornadoes are isolated. I know thatwhat tornadoes offense to me. I don't

(01:24:42):
understand tornadoes because they're isolated, althoughthey do devastating damage right hit and then
Oklahoma is the same, Oklahoma,Kansas, Nebraska, they're all they're all
right up there and and they're they'rea close top five by the way,
So it's it's a tough business.How does this make your your business difficult
right now? Well, people aregetting pissed off and you got to find

(01:25:05):
them a deal. But you can'tfind them a deal three or three seven
to one to three talk. Bythe way, if you guys have a
problem, question, complain, oryou have an insurance issue, go ahead.
Yeah, the biggest struggle we haveright now is that there's a lot
of carriers that have really made itclear they don't want to grow in Colorado
right now. A lot of themhave shut down business. They won't even

(01:25:25):
take new business. So we havecustomers that will call or we'll reach out
to them at renewal and say,listen, here's your rate. We couldn't
look at other options, but itmight cause a higher deductible. Well,
we need an insurance pool at somepoint where they're talking about takes over.
They're talking about it but specifically forthe fire risk areas, and they but
it's a very limited amount of coverageand it's it's only covering fire, so

(01:25:48):
you still have to have insurance.Well you also have that for hell companies
start pulling out, you would haveto. Yeah. I don't see Colorado
having some kind of pool together fordamage. I know what I say.
I see hailproof roofs as being theonly standard. Yeah. Yeah, like
Mark, you have that roof,then it it takes a hail and just

(01:26:12):
absolutely nothing happens to it. You'reyour roof can can take the impact?
Yeah? And is that right?Roof can't take it? It's catastrophic,
That's what I mean. Yeah,yours, And I'm just wondering if more
and more people are going to goto that kind of roof. And mine's
in essence heals proof too when youtalk tile stone. Yeah, well,
the problem with the hail proof stuffis most people aren't going to come out

(01:26:34):
of pocket like my roof would havebeen, I don't know, seventy eighty
thousand for a normal class four.This stuff is double in more so.
So I mean, most people aren'tgoing to pay for that. It's a
problem. Brian, No, you'reright, but if because it for that,
but if it gets to the pointwhere you're paying for your own roof

(01:26:55):
in the case of a loss,you're going to do things to Tamark where
it's not gonna happen as frequently.So, Mark, what is the So
the upgrade on that was basically doubleYeah, it's a little more than double
wow. And now what do theysay about premium? Did you save?

(01:27:15):
Did you could you calculate that?Well, the premium doesn't. The reason
the reason it changes is because youup the deductible. That's why went to
the very high deductible, just becausethey do, though you get a reward
for it. But Mark, you'reright, the bulk of your savings is
going to be the fact that youdon't care if you take a twenty thousand

(01:27:39):
deductible anymore, because your roof canhold up to this Catastruphe specifically for Hale
is what I'm talking when in haildeductible, you can raise that up because
you're not worried about that loss.I say this to people that have concrete
tile roofs, I say, youknow you have the investment already in the
roof. I would take advantage ofthat gear your premium lowered because the chance

(01:28:01):
of you having I have that onmy roof of higher. We do see,
and and that's because of the thehell proofness if the that'st word of
the roof. All right, let'sgo to bry or deductible by the way,
the barrels are these both? No, I want to go to Brian
with the homeowners insurance question. First, go ahead, Brian? How are

(01:28:25):
you? Hey? What's happening?Hey? So, what we're doing is
we are going to be building somemodular homes. Now, what I'm wondering
is, when we get them builtand they're in transport, how are we
going to ensure that? All Right? Hold on me. That's a great
question. We're going to because II that's weird. That's weird. We'll

(01:28:46):
we'll look it up, we'll talkabout it coming up. Three oh three
seven to one three talk that.Brian's next, then Brian another Brian is
after that, and then we haveBrian from Compass Insurance Group. Brian Day.
Yeah, I'm Tom Martino. Gowith a sure thing Denver's best roofer

(01:29:08):
Excel Roofing dot com. You don'tpay 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 atdozens 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 estateMan dot com to list your home with

(01:29:31):
Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Martino
here three three seven one three talkthree oh three seven one three eight two
five five. So back to Brian. He had a question. He's building
a home manufactured home while it's beingtransported. I want to ask an obvious

(01:29:55):
question, does the transport company haveinsurance. Well, and it's usually who
is owner the owner of the house. Usually they don't. You don't take
ownership until it rerives at your Idon't know, like your land. Like
Brian explain that to us. You'regonna have it transported. You bought it
from a company. Do they ensureit until it's set up? Well,
we will be the company and wewill be shipping them. Now what do

(01:30:18):
you mean you will be Oh?Wait, you are building you're in the
business of building manufactured homes. Well, we're not quite yet, but we're
getting pretty close. And it's kindof really Now hold on, do you
have a factory or starting Uh?Essentially, yeah, we're getting the numbers
right now. So we're gonna we'regonna try to start start building some manufactured

(01:30:41):
home. How are you going todo it? Are you going to do
like two pieces? Four pieces?How are you going to do it?
Actually, these are gonna be twostories and they're gonna be three pieces.
Very cool, man, that's whatgave you the idea to do this.
Well, it's kind of weird becauseI talked to you about it before when
we were building sheds and we werewe were training the sheds over the houses,

(01:31:04):
so it's sort of morphed into this. Okay, so do you have
your first design? I do,and I'm actually talking with I'm getting some
architecturals right now and we've got toget some structural details. But other than
that, we'll be ready to go. And we've found some properties that are

(01:31:25):
decently priced to where people can affordthem. So we're the only problem with
building The only problem with building itin pieces like that is you have to
have you have to have actually morestructured than you would if you built it
on site because some of the thingsyou can keep in common you can't do
while transporting. But right, right, but let me ask you this.

(01:31:46):
Do you have a transport company?No, but we will be we'll be
supplying transport or No. I understandthat, But have you talked What I'm
getting at is this, have youtalked to transport companies? No, talking
like APEX or someone we have?Not? Well, I would do that
first, so you're not redundant.Many of these transport companies have already tackled

(01:32:11):
this, but Brian's too. Yeah. One thing that we have to do
is we're going to be building themain structure on the actual trailer. Why
on what trailer? So on atGoose Neck trailer will be well, why
why would you do that? Letme ask you? And then how do

(01:32:32):
you get it off that trailer?When you get it to the house.
You crane it? Yeah, we'regoing to crane it. But why build
it on that? I'm just curious. I'm not I don't know anything about
this, but why would you doit on there? Is it just easy?
Is it just one less step?Then? Is that what you're thinking
exactly? So you don't have toget a crane out there to lift it
onto the trailer? Okay, wellthat's pretty cool. If you got the

(01:32:54):
trailer sitting right next to it,you might as well build it on it.
No, I mean that's a verygood idea. Yeah yeah, yeah.
So well, as the builder,you're you're gonna have to have an
insurance policy. Insurance. Yeah,you'll have to get an insurance policy,
which we'll have the commercial general liabilityand property and all that. But the
transport is going to be a specialanimal. Well, but it's going to
be part of his because he's goingto be regularly doing this, so he's

(01:33:15):
going to just make sure that hehas the coverage to protect him up to
a certain dollar limit of whatever,or he's protected up to the point that
it's hooked to that transport company andthey might take over, no no doubt.
If he can get the transport companyto actually take on the responsibility,
great, If not, he justneeds to make sure that his policy will
extend. Now, you know,I've often said this, Brian, that

(01:33:36):
building stuff under strict controls, ifyou have an environment of strict controls,
if you're not just stick building itanyway, you're just doing it off site.
I mean, but if you're doingit to certain standards and jigs and
all of that, you can actuallyturn out better quality than stick built on
site. Sure, well we haveto we have to abide by the IRC

(01:33:57):
rules you know anyway, so hurtfor HUT or any of that. So
we're yeah, but you want togo beyond that. I'm talking about going
beyond that anyway. So are theygoing to be what price ran like?
Like, are they going to beconsidered medium kind of homes, higher end
homes, fancy homes, what basichomes? So they're not We're going to,
like I said, we're going totry to keep them as affordable as

(01:34:18):
we can, so people here inColorado can't actually buy them because it's almost
impossible. Now, what price point? What price point do you have?
We we're trying to stay within twofifty to two eighty two fifty to two
seventy five. So if you stayto two seventy five, would that include
transport? That's that's a three bedroomthat's going to be complete? Is that

(01:34:42):
okay? That's on site? Yes, on their foundation, So we're not
going to be doing foundations. We'regoing to put these units on case on
so that we don't have all whatif they have a foundation, will you
put it on their foundation if theywant to put a foundation in Ye,
and absolutely so whatever they want todo. So, if they're looking at
two seventy five to the site andthen you set it up and they have

(01:35:06):
a foundation, dirt working lot,then they're looking at a complete package of
five or six hundred probably we're goingto try to stay under that five or
six hundred thousand. Is that whatyou're saying? Well, here, okay,
two seventy five for you, thefoundation is going to be a minimum
of twenty five grand it's or more, yeah, minim Then then you have

(01:35:30):
the lot which is going to betwo two fifty if it's if it's a
lot that's going to allow them tohave that right, No am I am
I exaggerating. I don't think so. No, that's but we're looking at
properties that are more in the twelvethousand dollars range. What fees that are
are twenty five thousand. So you'reoh, you're talking about like maybe half
acre, quarter acres? Yeah,you down in Pueblo, Colorado. Stea

(01:35:55):
no, no, no, nowI know what you mean. Okay,
so you could keep that package tothree point fifty Oh yeah, easily.
Huh that would be high. Nowwould you include the lot or will people
call you with their own lot andtheir own dirt work? Well, that's
that's what we're doing. We're sortof doing a spec to start. We're
going to do it all ourselves,figure out, you know, all of

(01:36:17):
the everything incorporated into it for pricing, and we're going to go from there.
But we're going to try to stayunder two seventy five. What name
are you giving the company? Soit's going to be called Cubic Hose.
Yeah, okay, all right,Hey, keep in touch with us.

(01:36:39):
I'd like to know how it goes, I love entrepreneurialism. I love it,
sure, I appreciate it all right. And so bottom line, as
Brian said, there will be generalliability insurance and a certain amount up to
a point. They may or maynot cover transport unless you include that,
but you may not have to ifyou call a transport company and they've already

(01:37:00):
done this before and have the insurance. We got more coming right up.
Michael wants to talk about a caraccident. Brian wants to talk about the
other Brian's social security, and we'llhave that right after this. Go with
a sure thing Denver's Best roofer ExcelRoofing dot com. You don't pay a
cent until you're content. Time foran insurance check up free, no obligation.

(01:37:27):
In comparison, call Compass Insurance payingtoo much your coverage at dozens of
insurance companies find out now three allthree seven to seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate Man
dot com to list your home withRemax Alliance three all three nine two zero
sixteen twenty two. That's sir,Hi, Tom Martino, you're a Troubleshooter

(01:37:56):
three O three seven one three talkthree oh three seven one three eight two
five five. Welcome to the show, and let's talk now to Mike to
Brian about social Security. Brian,you have a question, Go ahead,
Brian, I'll go on, Tomgood Man. What's happening? Okay,
I'm attempting to record a death withmy mother in law. So I called

(01:38:23):
Social Security because I'm still getting medicalfederal benefits. She passed away in December,
and I've been trying to call SocialSecurity, but all I get is
a recorded line saying you gotta waiton hold. He stead stay on hold
for hour and a half. Thenfinally it gets to a point where you
say to leave your name and numberand we'll call you back because of done

(01:38:45):
precine call volume. So you're tryingto she's still getting Social Security? Correct?
Have you been keeping that money inan account? Yes? Good?
In a savings account account? Good. I just don't know. I mean,
do I take off a company becausethey're going to eventually when they find
out, they're going to claw itback anyway, So what should you do?

(01:39:09):
I would if I were you firstof at your mother in law?
So who's the legal representative of yourwife, my wife. Yeah, she
needs to make an appointment with SocialSecurity, probably because it's hell on the
phone, it really is. Itjust sucks. Okay, I mean has
she tried to do that and not? Well, she recently had to make

(01:39:33):
an appointment for DMV because that's theonly way you can get in there get
a new license. So she'll haveto. Yeah, I'll have to set
her up for that and see whenexactly they can come see her. Now,
another thing on the same item,the healthcare facility that she was at,
the assistant care where she passed awayat. We've been trying to get
an itemized statement of what the lastmonth charges were because it's different than what

(01:39:58):
she was typically paying. What doyou mean, how much off is it?
Well, it's about seven hundred dollars. She paid seven hundred more than
she was normally paying. That's whatthey're asking for. They're asking for twenty
three hundred, but she normally paysabout fourteen to fifteen hundred for what is
this for a month or what onemonth? Correct? Well, it's because

(01:40:20):
of unless she died perfectly, shehas notice required and they'll charge you per
diem. Okay, Although I'm tryingto get a hold of them. I've
left multiple messages at the accounting departmentand we even got a live person once
and they said, oh yeah,well, well, an information very unlikely

(01:40:43):
that she died perfectly on thirty daysnotice. Sometimes it's sixty days notice.
Hold on, though, I haveinformation on reporting at death as well.
We'll come back to you. Andalso Michael wants to know about an auto
accident. Hang on, I'm TomMartine more coming up on the Troubleshooter Show.
Go with a sure thing Denver's Bestroofer Excel Roofing dot com. You

(01:41:06):
don't pay a cent until you're content. Leave time for an insurance check up
free, no obligation comparison call CompassInsurance paying too much your coverage at dozens
of insurance companies find out now threeoh three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate Man

(01:41:27):
dot com to list your home withRemax Alliance three oh three nine two zero
sixteen twenty two. Yeah news needsYou don't have come run anxiousness as you
can. Shooter's gonna help coming man. This is the Troubleshooter Show. No

(01:41:57):
Tom Martinez, Hi Tom Martin,you know here, Welcome to the show.
Three oh three seven one three talkseven one three eight two five five.
We're here to help you solve yourproblems. Don't forget three oh three
Martino. You can call twenty fourseven three oh three six two seven eight
four six six. I love GrossmanWellness. I attribute them to much of
my health. I've been going todoctor Grossman for many years, and I

(01:42:19):
pay a fat monthly fee for allmy prescriptions by supplements, my blood work
every three months, and you know, not much can develop in three months.
And I'm not saying I'm bulletproof,but I will say this, thank
God for great medicine. And andhere's the thing. It's proactive, and
it's an above and beyond insurance andall that. I know that, But
people, what is more important thanyour health, right, especially as you

(01:42:41):
get older. Huh Grossmanwellness dot Comfor two forty nine you can get started,
just no obligation. Just get yourblood work for two forty nine,
your exam and your your your consultationtwo forty nine Grossmanwellness dot Com. Hey,
So, Michael, Jimmy Brian's talkingabout socials security and I did some
research here. I did find afew things. There's a special line for

(01:43:04):
reporting death, by the way,and it's different from the regular social security
line. Did you know that,Brian? I did not. Well,
that's what they say. Now,it might turn out that it's just the
regular number, but this one saysfuneral homes usually report to this number.
If you haven't done it, youcan call now. I'm like, I

(01:43:25):
said, that's what this is saying. But then the more I look at
it, it might be the regularnumber. What number have you been calling?
You know? Tom, I havethat information at home, but I
it's a one eight hundred number.I know that. Yeah, that's what
this is. But are you ina place where you can write this down
just to be sure? Absolutely,yeah, And I'm not sure it's different.

(01:43:46):
But it's eight hundred and seven sevento two twelve thirteen. To me,
that sounds pretty general as a number. But the other one is you
must retain benefits or be penalized.And it says it is all right.
You can go to the local SocialSecurity office and those to visit you.

(01:44:13):
The problem is, if you visit, you have to make an appointment,
and it looks like that number mightbe might be general. But I'm on
their website social Security and it saysyou have to file a report with the
Social Security number, date of birth, date of death, and have a
death certificate. Okay, and youknow, I want to say, I

(01:44:36):
think I did something similar to that, But then it said I must call
on this number to talk to somebody, and was it the twelve Well okay,
well, well I think it mighthave been. I don't know.
You can do either one or youcan make an appointment, and I think
they say their, Yeah, yougo to your local office whatever that means.

(01:44:59):
You could probably look at that up, but let me know if you
need any help after you get homeand look at that number and then try
to make an appointment. You didfile something online though I tried and it
said no I couldn't. Oh yeah, they said you got to call this
number, and when I did,that's when I got to forever old.
And then they finally said leave yourname and number and we'll call you as

(01:45:19):
soon as we can. God,you would think it would be easier.
Yeah. I just want to reportthe death, that's all I want to
do, and let them keep theirmoney. No, I know that.
Yeah, Okay, let me knowwhat happens on that, because when I
see this contact number, so itdoes seem it does seem that there might

(01:45:42):
be a different number. So I'mnot sure I would try that number I
gave you that it did. Thatdoes seem to be a different number the
more I look at it. Butanyway, let me know what happens.
Thank you, Brian three oh threeseven one three talk seven one three eight
two five five. All right,Michael's got a question on an auto accident
by the way, Compass insurance wehad Brian had to leave. We do

(01:46:05):
have some examples I'm going to begetting to on some insurance check up savings
we've made on that. Go ahead, Michael, Hey, Tom, I
was going today. Good, what'shappening? Uh? So, I was
in an automobile accident back in January. Okay, the other driver, the

(01:46:26):
other driver kind of admitted fault.Basically, were you injured to work with?
No, there were no injuries.Good. It was a pretty low
velocity incident. But I was tboned. I was stopped at a stop
light and they were trying to takea right hand turn and they lost traction.

(01:46:47):
And okay, So we exchanged informationand I got in touch with their
insurance company. Oh wait, nopolice report? No, and no and
no. Was it during accident alert? During accident alert? Well you said
it was in January and and andthey lost traction. I was wondering if

(01:47:10):
it was storing a storm or something. Accident alert is where you don't call
the cops because you're supposed to calla cop and report this. Why didn't
you guys get a police report?So back in January there was a terrible
snowstorm there, That's what I meant. So it was accident alert. Yeah,
but then you're supposed to at leastfollow up with the counter report.
But you didn't do that. No, No, this happened up in Dylan

(01:47:35):
County and uh okay, yeah Ididn't. I didn't didn't follow up,
sorry, Summit County. Okay.Anyhow, so I got in touch with
their insurance company and tried to makesome headway there, and they told me,
uh, this is gonna hit alimit. I assume they didn't like

(01:47:57):
the policy limit or coverage limit.Well, what's going to hit a limit?
What were you putting the claim infor? Oh? So for the
damages because I want someone my vehicleto be repaired. What kind of vehicle
do you have to seventeen? Toyota'scoma okay, And what do they mean

(01:48:19):
it's going to exceed damages? Idon't understand that. So an initial estimate
was done, came in maybe twothree thousand dollars, and I thought that
was low. So I brought itto a different shop and got an estimate

(01:48:39):
by you know, certified Toyota repairshop, and their estimate came in at
I think like seventeen thousand, soquite different. Yeah, But but are
these what's your what's your vehicle worth? I think the blue book is maybe
in the low twenties, like twentytwo to twenty three thousand. Well,

(01:49:00):
they're not going to pay seventeen tofix it. They're going to total it
exactly, okay, And they havea right to do that. But you
have a right Listen, you don'thave a contract with that other insurance company.
Who is the other insurance company Progressiveand I don't know. And that's
a good company that in other words, they wouldn't lie to you. But
I doubt that they don't have alimit that goes up to totally that car.

(01:49:26):
I don't mean the state limits wouldbe above the value of that car.
I mean, well, first ofall, that what do they mean,
I don't even know what they mean. They can't that it's the limit.
Yeah, so I mean the driveris from out of state, they
hit me while they were on vacationin a rental car. You you ever

(01:49:48):
right to have your vehicle replaced?Okay. You can either do it through
insurance, or you can do itby suing the other victim. They're actually
me the other party. The otherparty might not have any money worth going
after, but how much are theyoffering you? Bottom line? So I
stopped working with Progressive and started workingwith my own insurance company. Uh,

(01:50:11):
okay, do you have collision coverage? I do, Well, that's exactly
what you should do. Yes,So that's what I did, but it
kind of resulted in, you know, similar outcome. Basically, their adjuster
came out said there was a fewthousand dollars worth of damage. The garage
showed them their estimate, you know, put the truck up on a list

(01:50:33):
so they could get a closer look. And so now I understand, is
they want total the vehicle your insurancecompany, Yes, okay, but they
haven't. They haven't told me whatthe terms like, the different the value
for the payout is, you know, because I'm thinking maybe I'll hold on

(01:50:56):
to it with a salvage title.Yeah, and you could do that,
uh huh. So what you haveto do is just do some homework.
We have a place called Petty Detailsand you can find them on the referral
list. Okay, and Petty Details, that's what they do. They specifically
do this, that's what they do. It's called Petty Details. Let me

(01:51:23):
find it here. If you justput in petty it'll come up. I
just did. Let me just goto it now, okay, sir,
here it is. Okay, SoPetty Details what it does is it has
a free service to give you whatthat car should be worth or or if

(01:51:45):
they have to do more than that, it's going to cost you money like
go to court and all that.But I think that their courtesy service might
work for you. And it's PettyDetails, and they're out of well,
they're all over the country. They'regood people. Petty Petty Details appraisal services

(01:52:09):
that'll give you a fair price.But what do you want? Did you
do you have a figure into yourhead. I mean, what I want
in an ideal world is my vehicleback pre collision condition. But yeah,
but they're not going to fix it. They're not obligated to. They're obligated
to give you what that car's worth. Yeah, and you said it was

(01:52:30):
what year did you? Twenty seventeen? Right? Yeah, it's in twenty
seventeen. It's got about one hundredand eighteen thousand miles a Toyota Tacoma right
yeah, yeah, off road package. It's I mean, I've kept it
clean, I've brought it to thedealership for all the maintenance, never been
in a you know, major accidentbefore. Well, there's a big value

(01:52:51):
depending there's a big discrepancy on valuedepending on the mileage. Sure, so
what was the mileage all over?One hundred thousand, one hundred and eighteen,
one hundred and nineteen. I thinkthat's going to be on the lower
end, but I don't know,it's gonna be about twenty grand twenty two

(01:53:16):
Yeah, So, I mean Idon't know. So if did you put
any improvements on it in the lastlike ninety days, like tires or anything.
Uh, yeah, I got wintertires on it that that was put
on last season. Listen, here'sthe bottom line. Even if you goose

(01:53:36):
it, it's twenty two to twentythree grand. So what's normally gonna happen
is if if if the settlement's twentythree and you want to keep the car,
they're gonna they're gonna take out asalvage value. So that could be
you know. So here's what's veryimportant. It's important that you take the

(01:53:58):
salvage value figure and see if itcan be repaired, and if not,
then it's not worth taking. It'sthat simple, Okay. So the reason
the the reason they repair cost isso high is because it's the rocker panel

(01:54:21):
was affected. Basically, there's arunning board and the vehicle hit the running
board which is bolted into the rockerpanel and which is the frame part,
which is a frame. It's waymore than a rock Okay, yeah,
well it's no a rock slider Ithink is bolted into the frame. But
the unibody construction, that's my understanding, is correct. The running boards bolted

(01:54:45):
into the rocker panel, and soyou can't the garade that they can't just
prepare that. They have to putin a new rocker panel, which is
taken up which means they have totake off you know, the door,
the hinge pillar of the which isframework, which is framework. Okay,
yeah, so that's I mean,so there's a safety implication here, right,

(01:55:08):
that's right, that's right. Soyou have to make sure it can
be repaired or you take the money. Okay, I mean, what good
is it if they don't take you. If they don't the money they offer
has to be enough to fix it. Well, the but the money they

(01:55:29):
offer is just going to be forwhat the market value of the vehicle,
right, because it's not calling ita total loss. Yeah, they're going
to that's right. But when youwant to keep it, they'll take away
a few thousand whatever the net is. If you want to keep it,
there's one price. If they takeit, it's another price. Okay,
yeah, that makes sense. Soyou have to take So you want to

(01:55:54):
keep the car and see if itcan be fixed, then you need to
get the figure they're willing to paywith you keeping the car. So let's
say they're willing to pay fifteen andyou can keep the car, or eighteen
and you kill whatever it is.You gotta make sure you can do that.
Three O three seven one three eighttwo five five. Go with a

(01:56:19):
sure thing Denver's best roofer Excel Roofingdot com. You don't pay a cent
until you're content. Time for aninsurance checkup free, no obligation. In
comparison, call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three oh three sevenseven one help. You'll think you're his

(01:56:40):
only customer when you choose Frank durandthe real estate Man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.
Hi, Tom Martino, your troubleshooterthree O three seven one three talks seven
one three eight two five five.I want to go to Brian Burn Now,
I got them on the line.Let me bring them up and it's

(01:57:02):
about the some of the things we'vedone. Hold on, Brian, are
you there yet? Hold on?Hold on? Let me okay? Brian?
Hey, Tom O right, thanksSo. The insurance check up as
you always do, but we highlightit on the days you were on the
show today three oh three nine nineto six nine thousand, and people call

(01:57:26):
and they get their decks page andsee what you can do. In some
cases you can save money in somecase. You're honest, you say,
no, what kind of examples dowe have? Well, I have a
few here. I'll share a coupleof them. But the ones that I'm
sharing I have to do with roofcoverage because you and about it earlier.
But we had a customer call inthere with Liberty Mutual right now, and

(01:57:47):
between auto and home. They wereat about eight thousand dollars thirty two oh
six on the auto, fifty ninetyon the home. We got them a
quote with a company called a Qand with a total savings of almost sixteen
hundred dollars. But we moved theircoverage A on their home. They're the

(01:58:08):
actual dwelling them out from three hundredand sixty five that's what they had with
Liberty Mutual, we moved them upto five hundred and seventy two, got
and got them replacement cost on theroof. They had actual cash batus.
Oh my god, that is oneof the all that and save them.
Yeah, that was one of thebest deals I've ever heard. They saved
sixteen hundred plus. You got themout of a big jam when it comes

(01:58:29):
to ACV and if they ever hada total loss they were under insured.
Yep, exactly, so much betterdeal. We had another one here.
Uh, they are with all Stateright now, and we're being non renewed
because they were not non renewed.They were being renewed with no roof coverage.
They weren't gonna oh oh my god. Oh we we found them a

(01:58:51):
deal with Acuity as well, andwe got them replacement cost on the roof
and saved them a thousand. Still, Holy crap, Brian, you're kitting
out of the park. What elseyou got? Although that's enough one?
Yep, there's one here. Theywere a customer with with State farm We

(01:59:13):
they only had ten percent extended notwenty percent extended replacement costs. We got
them uncapped replacement costs and saved themon the auto and home sixteen hundred dollars.
Oh man, this has been agreat one today. Yeah, there's
been the and then there's a lotof examples of I see one here moving
from Farmers. We're putting them aTravelers. Saved them eight hundred dollars a

(01:59:34):
year. This one seven hundred dollarsa year, moving them from liverty mutual
to acuity. I mean, sothey're smaller examples as well. Okay,
so Brian, I want to remindpeople they can call you guys ask for
the insurance checkup. Is that onyour phone tree yet? I'm just curious
about it. Yeah it is,Yep, it is good. You can
puis. I think it's number one. Okay, so whatever it is,

(01:59:56):
it's three oh three nine nine sixnine thousand is where you start. And
man, I've been doing this foryears. What a great idea and in
fact, you can't go wrong.Okay, thank you, Brian, I
appreciate it. That's three h threenine ninety six nine thousand. I love
it when things like this go on, right, I love it now.

(02:00:21):
Okay that was him hanging up.You heard that sound Sorry about that now.
I said that the FTC has steppedin when it comes to contracts and
they have said that they are goingto basically outlaw in a way through their
regulation. It's not a law allof the non competes. They think non

(02:00:44):
competes are unfair. So basically whatthey said was that if you have if
you have a they have a rule, and if you have a contract with
a non pete, they're in essencebanning it. They're saying that it's against

(02:01:05):
public interest. Now, a lotof business advocates. I consider myself a
business advocate, but I never reallyloved noncompete, having been in them my
most of my life in broadcasting.You know, you'd negotiate a great deal

(02:01:26):
and then they come to you andsay, by the way, you can't
work for anyone else for two yearsafter you leave here, and sometimes it's
a year. Sometimes it's you know, that can cripple you and it takes
away all your negotiating power. Right, But anyway, some business advocates are
saying that it's unconstitutional. I don'tthink so. I mean, I don't

(02:01:47):
know enough about the constitution to reallyget that deep in the woods with it.
But the ban is forecasted to affectthirty million million contracts. So what
it does is it takes away acompany's ability to keep you from working.

(02:02:09):
Don't you think really? I mean, in my opinion, they should.
I mean you should be able towork now. Granted, if someone moved
you to a place and trained you, I would have no problem with a
financial responsibility if you don't work acertain number of years to have to pay
it back, but to forbid youto work anywhere else to me that that

(02:02:32):
is unconstitutional. And they're saying,well, what about trade secrets and all
of that, Well, that wouldhave that's the separate civil action. I
guess that if you took trade secretsand took it to another company who competes
with them, it could be aproblem. But this is one of the
things we have to tackle. Andreally, if you think about it,

(02:02:54):
we're getting more and more liberal whenit comes to relaxing things like this.
I mean it used to be trulyand this is not meaning I love it,
and I think, you know,the progressive way is the only way.
Nor am I saying the conservative wayis the only way. What I'm
saying is this, when it comesto business, I'm all for business thriving,
but I also believe that workers haveto be able to sustain themselves.

(02:03:16):
And if you're really good and greatat what you do, you should be
able to peddle your wares somewhere,and you should be able to put you
know, put put it out forbid. Who's going to pay me the most
or the best for what I do? Because if what you do is not
that great, guess what, youdon't have that ability anyway. Three oh
three seven to one three talks sevenone, three, eight, two five

(02:03:40):
five. I don't know what youguys feel about it, but I think
doing away with this is not abad idea. Joe, what is your
question? I'm going to take aquick break, but I want to get
your question and get started on it. What's going on? I just wanted
to find out if my rook beingyou know, twenty four plus years old,
do I have to notify my insurancecompany that I intend to put in
the roof on absent of aclaim.It's not a claim thing, I believe.

(02:04:03):
Okay, do you mind holding becausethis is a great call and I
have some advice, so we'll beright back. I'm Tom martine More coming
up. Go with a sure thingDenver's Best roofer Excel Roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance checkup free,

(02:04:28):
no obligation. In comparison, callCompass Insurance paying too much your coverage
at dozens of insurance companies find outnow three all three, seven to seven
to one help. You'll think you'rehis only customer when you choose Frank durand
the Real Estate Man dot com tolist your home with Remax Alliance three all
three nine two zero sixteen twenty two. Welcome What's long to the show.

(02:04:55):
By the way, Frank durantirealestate mandot com does a free market value if
you're home for the asking. That'sFrank Duran, the Realestateman dot com.
So if you want to you wantto know what your house is going to
sell for, this is the wayto do it. Get Frank on your
side. And there's no obligation tolist ever. And that's three oh three

(02:05:16):
nine two zero sixteen twenty two.All right? Can you not hear me?
For some reason? Really? Rightnow? I'm quiet all of a
sudden, huh, I'll boost this? Is it better now? I don't
know what happened? I mean somethinghappened to the broadband because I didn't touch
anything. And I know Mark makesfun of me when I say that.
How is it now still bad?My god? Well, something happened.

(02:05:39):
My meters are all the same here, So should I what should we do?
Is it all right? Okay?I turned it up. I'm gonna
keep turning it up, but Iknow I'm gonna be overmodulating tomorrow. But
okay, you all right? Frankdurand the real estate man as I said,
three oh three nine two zero sixteentwenty two, free market valuation of

(02:06:00):
your home for the asking, noobligation to listen. Now Joe wants to
know about doing his roof. Now, Joe, are you buying this house?
No, I've been in for twentyyears and you want to replace your
roof voluntarily because it's wearing out?Right? Yeah, in the full pictures.
I'm at ninety two hundred feet inwildfire country up there, and you

(02:06:23):
know, I'm hesitant to involve myinsurance company in any way, shape or
form if you're being dropped. Soam I able to just put on a
new roof? And well, ofcourse you are, But hold on a
second. You can't involve your insurancecompany unless you had an event. You
haven't had an ensurable event, haveyou, No, not at all.
Let's wore out. It's twenty four, twenty six years old now, and
what kind is it? Yeah?Shingle? Okay, asphalt? Right?

(02:06:48):
Correct? All right? Yeah,you can replace that roof and a heartbeat.
You don't have to do anything,but you could get a discount by
telling him you have a new roof. Okay, Okay, that's I want
to know. It doesn't work inmy favor, it can work in your
favor, especially if you get anupgraded shingle is something that might be a
little more resistant to anything like fireor wind or hail or whatever. Yeah,

(02:07:12):
I mean it depends. Well,that was another part of my question.
Up at that altitude, or hailtends to be very very small.
It's you're right, really, thatwon't help you up you know what,
you may not need to upgrade,and you may not get a discount.
I'd like to ask I don't knowif Brian's still driving, but i'd actually
like to ask him that. Sohold on, let me just see if

(02:07:34):
I can just redial him real quick. This is going to be he's already
given me permission to talk to him. I'm just going to talk to him
right now and and see if heanswers, because this is a good question.
All right now. He may beoff the road by now, three

(02:07:55):
oh threes. Let's see. Yeah, he's not answering. You reached the
phone. Yeah, okay, sohe's not answering, but I can we'll
find out for sure. But Iknow for sure you don't have to contact
them for this, but you maywant to That's the part. We have
to find out if you're going toget any credit for that. And Excel

(02:08:16):
Roofing might know it. They mightknow that if we can get I don't
know Kachina, if Jay's around,if you can find him. I didn't
ask him ahead of time, soI can't call him cold. But you
might want to call Jay and seeif he's around at Excel or Henry,
and then we'll get you an answer. If you want to keep listening or
Joe, You're welcome to come backon tomorrow and we will talk about it.

(02:08:41):
I have some major news right now, all right, you want to
hear what it is. Well,I don't know if it's major news,
but there are a lot of thingsgoing on, and one of them is
lawsuits. The University of Colorado's vaccinemandate, by the way, violated the

(02:09:09):
constitution. Okay, and this isn'tjust decided, but there was another court
of appeals that upheld the decision justrecently. So what happened was they were
illegally mandating vaccinations and they are nowopened up for a number of lawsuits.

(02:09:35):
And no one's talking about this now. I think they're not talking about it
because the original mandate that was ruledand was back in They said that it
was back in September of twenty twentyone, but then recently the US Court
of Appeals for the Tenth Circuit saidthat it was illegal. It was unconstitutional.

(02:10:03):
Three oh three seven one three eighttwo five five. Go with a
sure thing Denver's Best roofer Excel Roofingdot com. You don't pay a cent
until you're content. Time for aninsurance checkup, free no obligation comparison call
Compass Insurance Paying too much your coverageat dozens of insurance companies find out now

(02:10:26):
three oh three seven to seven toone. Help. You'll think you're his
only customer when you choose Frank Durandthe real estate Man dot com to list
your home with Remax Alliance. Threeoh three nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter.Somebody sent me a money request from

(02:10:50):
PayPal? Have you ever had that? I never heard of the guy in
my life. He wants me tosend him seven hundred and eighty five bucks.
Now, seriously, I have noidea what this is about. Don't
recognize the request. Make sure yourecognize us for what the hell is that
all about? Folks? And Ijust got it. He said to pay
up anyway, Joe, I gotBrian Burns on. I want to bring

(02:11:13):
Brian up hold on Brian, CompassInsurance Group. Still there, Brian.
Okay, Brian, will you willyou get a discount if you put on
a new roof that's twenty four yearsold? Should you call your insurance company
and tell him he's not doing anythingspecial, just putting on an asphalt roof,
but he's in the map. Absolutely. It's one of the biggest things
we tell people when we call himis that. Unfortunately, even if you

(02:11:35):
have an insurance company pay for thatclaim, the underwriting department does not communicate
with the claim department. So youneed to make sure you let your agent
know that you had your roof replaceso that they can update the police.
Okay, you a discount, Greatstuff, Brian, Thank you, And
that's Compass Insurance Group. I loveall of the information they give us.

(02:11:56):
Thank you, Brian. So bottomline is you do it. Okay,
I'm gonna let you go now,Thank you, sir. Appreciate it all
right. That's Brian Burns's compass insurance. Always get your insurance check up.
Three h three nine nine six ninethousand. Okay, I read that a
little wrong. It definitely was arecent ruling. It was. Here's what
they're saying, the vaccine mandate fromthe University of Colorado back in September of

(02:12:20):
twenty twenty one. What clearly violatesthe Constitution according to the US Court of
Appeals and Tenth Cicket Circuit Court ona decision just released. It wasn't a
decision back in twenty twenty one,I'm sorry, it was the mandate released

(02:12:41):
September twenty twenty one, and themandate was ruled as clearly unconstitutional. Now,
this was the result of a lawsuit, but there are many other colleges
that did the same thing in universities. By the way, employers. You
know, what's amazing to me isthe right to privacy on your body what

(02:13:05):
they're invoking when they talk about abortion. You know, the same right should
be extended for anything like that.Right, So bottom line unconstitutional. Now,
I know people are gonna say,well, well, was that a
conservative judge or a liberal judge?You know, of course we always ask
that, we never we never acceptthings do we unless we know where it's

(02:13:31):
coming from. By the way,renew home Innovations dot com. The reason
I'm mentioning it someone wanted to know, do you really get seventy two months
to pay with no interest? Thatabsolutely yes. Now you can call them
for your bathroom three h three ninezero four to two thousand. I just
wanted to recognize that because it wasa text message and they wanted to know

(02:13:52):
if that's true. It is seventymonths no interest. Also, they do
it in two or three days.Renew home innovations dot Com. Now,
on another note, the non competeclaus is shot down, so workers have
more rights. If you are lookingto get a you just want to get
another job and put your you know, put yourself out to bid, they

(02:14:16):
can't hold you to say you can'twork for a competitor. Now. Also,
did you hear that if you workthis summer and you stay with your
job, young people, you getan extra one thousand dollars from the city
of Denver. That is a truestory. Yep. The Denver mayor loves

(02:14:43):
spending money unless it's on the policedepartment. But he'll give you one thousand
bucks if you're in high school andyou work for the summer and stay with
your job. You got to findout more that's Denver for you. So
we're simply out of time, folks, and it's important that I tell you
three to three Martino. You cancall twenty four to seven for help information.

(02:15:05):
Get your number in there. We'llcall you back three zero three six
two seven eight four sixty six