The Troubleshooter 5-8-25

Episode Transcript

Speaker 1 (00:00):
Shall ripped off, bad news, need advice, so.

Speaker 2 (00:10):
You don't have.

Speaker 3 (00:12):
Come.

Speaker 4 (00:13):
Run in just as fast as we can. Shooter's gonna
help coming man.

Speaker 5 (00:20):
This is the Troubleshooter Show now, Tom Martinez.

Speaker 6 (00:25):
Welcome, Welcome, my friends to the only show of It's Gotten.
We're here to solve problems, answer questions, take complaints. Our
goal in life is simple. We want to help you.
If you've been ripped off, have a bad contractor in
your life, maybe a bad landlord, maybe a bad dentist
for that matter, we would love to help. We get
directly involved onlike any and I mean it, any other

(00:46):
show out there, forty five years helping people to the
tune of over three hundred million dollars in cash, merchandise, exchanges, refunds, services.

Speaker 7 (00:59):
To directly do directly due to this show. Three zero
three seven, one, three eight two five fives a number.
We've got a few things cooking this afternoon. First of all,
I want to introduce everybody here. We got Kelly of course,
answering your phones. We got Deputy Doc, we got Deputy Dmitri.
We've got Steve Sizzik.

Speaker 6 (01:19):
He's one of our experts on with the Harris Law firm,
and he's going to be helping us with the tax
question in a second Mark Schamansky Genesis Total Exteriors, by
the way, Mark, it's kind of ironic. You're in studio
and your guys are literally at my house.

Speaker 8 (01:34):
Yep, Omar and his crew are at your house right now.

Speaker 6 (01:37):
I want to thank you for tearing my entire house
apart after we got our floors done and now we're
living through an entire interior paint job.

Speaker 9 (01:45):
Thank you, very welcome. Suzanne was making that comment when
I was walking, and I said, doesn't bother me a bit.
It doesn't doesn't.

Speaker 6 (01:52):
Actually, those guys are doing a great job. I didn't
realize there'd be six painters there.

Speaker 8 (01:56):
Yeah, you're down to four today, but you got six
you start with six, but we've done a four today.

Speaker 6 (02:01):
Yeah, and their cruising along. Man, they got it down.
Pat Everything that's been done looks great. It's just a
pain in the butt taking everything off the walls.

Speaker 8 (02:09):
That's the big you get it. Oh yeah, especially cleaning.

Speaker 9 (02:12):
You know, you got to take all the knickknacks and
everything and move everything, I mean all the paintings, your TVs,
everything off.

Speaker 6 (02:18):
The everything, and then we have Matt Stanford. Matt has
gotten me so much money it's crazy. He is a
public adjuster. I'll give you two examples. One example, we
had hail. All my neighbors are getting a new roof.
My insurance company. This is about I don't know seven
years ago. My insurance company comes out and says, ah,

(02:40):
you don't have damage, or you don't have enough damage,
we're not giving you anything. I call Matt up. He
got me eighty thousand dollars. Think of that from zero
to hero eighty thousand dollars. Then, I don't know how
long ago, a year and a half ago.

Speaker 7 (02:56):
Matt, Uh, yeah, coming up on it.

Speaker 6 (02:58):
Yeah, it's been taking a little bit on this one because
we fought it tooth and nail. You actually went all
the way to basically arbitration. Ye appraisal the appraisal clause
on this one. So we had damage again, hail. It
came in through our door. We have a patio. It
came in through the patio door in and ruined our
hardwood floors. They said, you're not covered because you don't

(03:23):
have flood insurance. I said, whoa, whoa, whoa, whoa Wait
a second, I do have flood insurance, and sure enough
I did. And it's odd that I have it, I
understand that, but it was like one hundred bucks a year,
and I got it from Compass Insurance. Then they said,
well it's not flood though then they came back and said, oh,
well that's not technically a flood. So I called MAT up,

(03:45):
so they weren't going to give me a nickel. I
ended up getting a little under forty thousand on that one.
And there is one of the reasons Genesis is in
our house right now. We got all our hardwood floors resanded,
I added some new hardwood, and then we had to
paint a lot of the walls because you got to
take off the borders. And that's basically why the entire
house is getting repainted.

Speaker 7 (04:06):
So that's that's our story right now.

Speaker 6 (04:09):
But any questions you haven't in any of that stuff,
I'd love to hear it now. Mike called yesterday and
Mike said, hey, hey, hey, Mike.

Speaker 7 (04:16):
Did you talk to your kid.

Speaker 6 (04:18):
Did he actually have a advocate a tax advocate?

Speaker 10 (04:24):
No, he don't.

Speaker 6 (04:25):
Okay, that's right, that's fine. Just hold up right there.
So we're going to kind of walk you through that.
Mike called yesterday and Steve, this one sounds like Don Eiley,
if you're familiar with him, it sounds like I don't
know this for a fact.

Speaker 7 (04:40):
Steve. By the way, how are you doing, Steve, Sayzik
Harris Law Firm.

Speaker 11 (04:45):
Thanks Mark, good to talk with you.

Speaker 12 (04:47):
It's been a minute.

Speaker 7 (04:47):
It has been a minute.

Speaker 11 (04:49):
Tax problems that maybe not bothering you with them, So congratulations.

Speaker 6 (04:53):
Yeah, I guarantee there's been a ton of tax issues.

Speaker 7 (04:55):
But listen to this man. It sounds like this is
what happened.

Speaker 6 (05:00):
It sounds like his employer has been taking his share
and their share.

Speaker 7 (05:07):
Out of his paycheck for the FEDS.

Speaker 6 (05:09):
But they're probably reporting zero or simply not sending anything
because the end of the year came in twenty twenty two,
I believe, And in twenty twenty two, your kid did
get a refund, right Mike.

Speaker 13 (05:25):
Twenty two, yes, twenty three No.

Speaker 6 (05:27):
Then in twenty three they seized his refund, and then
again in twenty four they seized it.

Speaker 12 (05:33):
Right now, got clarification.

Speaker 14 (05:36):
In fact, my son is here with all this stuff, well.

Speaker 7 (05:39):
Put him on, put him on. Why am I talking
to you? Brother?

Speaker 15 (05:42):
Put your kid on.

Speaker 16 (05:44):
We get through to you a little bit, hang on here,
how's it going.

Speaker 7 (05:46):
It's going good. What's your name?

Speaker 17 (05:48):
Man?

Speaker 18 (05:49):
My name is Michael Kesser.

Speaker 6 (05:50):
Okay, so let's go on, Michael, what actually happened?

Speaker 7 (05:54):
Go ahead?

Speaker 10 (05:55):
Okay?

Speaker 18 (05:56):
So I worked for a company for five months, the
last five months in twenty twenty three, I turned around
and filed my taxes. In February fifteenth, twenty twenty four,
I received a letter. I believe it was May no,
because may I have it in front of me, me
just saying that's.

Speaker 7 (06:14):
Fy, it doesn't matter in May go ahead, okay.

Speaker 18 (06:18):
They said that they're withholding my taxes. They needed an
additional sixty days to review it. Sixty days went by,
I received another letter saying they're gonna they need an
additional sixty days to review it.

Speaker 10 (06:31):
I never heard anything.

Speaker 18 (06:32):
About it after that for a good while. I called
the IRS advocate, told my situation, and in order to
get an advocate, you have to have hardships and yeah,
pretty much losing your car, your house.

Speaker 6 (06:47):
That's simply that's simply not true. But I want you
to continue on with it. What did the IRS letters say?
Why have they not even told you what's going on?
Did they allude to you haven't been paying taxes? What
information do you have?

Speaker 10 (07:02):
Okay?

Speaker 18 (07:02):
So I have all these letters here in front of me,
and the main one that I got after one hundred
and eighty days of them sending me letters they needed
additional sixty days is that they needed more clarification and
they needed the last three paycheck stubs of my twenty
twenty three income. They needed a letter from my employer

(07:23):
about my retirement benefit to verify my income. I got
that from my employer. I submitted it doing the IRS
online tool and never heard anything about it. I switched
jobs and I filed my taxes for twenty twenty four

(07:43):
and that was February. I filed this this year February.

Speaker 10 (07:48):
I got it with him.

Speaker 18 (07:49):
I got twenty twenty four taxes about eighteen days after
I filed, and right after that March eleventh is whenever
they sent this letter.

Speaker 7 (08:00):
And what's it saying.

Speaker 18 (08:02):
This letter says that the employer that I claimed withheld money,
and it says that the wages that I claimed and
the wages the withholding that I claimed it has a number,
and then it says what was reported to the IRS
is zero dollars.

Speaker 6 (08:21):
Yeah, so listen, this my friends out there, listen. This
is what I call the Don Isley. These people, whether
it was their accountant or the company itself, here's how
it goes down. You work for a company, I don't
care who it is. They take money out of your check.
Anybody out there that's a W two employee knows what
I'm talking about. They take it out. Then they got

(08:44):
to report. Not only do they got to report how
much they took out based upon how many exemptions you.

Speaker 7 (08:51):
Have, but they have a file with the IRS under
your Social Security number.

Speaker 6 (08:56):
They're supposed to forward that amount of money to the IRS.

Speaker 7 (09:01):
What Don Eiley did.

Speaker 6 (09:03):
He would say to the IRS, this employee made zero,
so therefore they owe zero. But he would tell the
employee or actually the company in his case, that it's
five hundred dollars, So they would pay Don Eiley's firm
five hundred dollars, thinking it's going to the IRS. But
he told the IRS zero, So therefore no red flags

(09:27):
are put up right away. And what ultimately happened is
ten years later, Don Eiley took twelve million dollars from
about thirty small businesses. The thirty small businesses were left
holding the bag. Some of them committed suicide because they
were broke. Other ones went bankrupt because of Don Eiley.

(09:50):
He ended up hanging himself, from my best understanding, in
federal prison after about four years in the joint and
we went after that dirt bag. In fact, I got
a video of it on Facebook. But Steve Sizik, what
does this.

Speaker 7 (10:05):
Guy do now?

Speaker 6 (10:06):
To me, none of the employees that were affected with
Don Eiley, not one single employee ended up paying back
a nickel. The businesses that employed them were the ones
left holding the bag. But the employees were not affected
at all. It sounds to me as if they're not
given this guy his real refunds based upon it.

Speaker 7 (10:28):
So what do you do?

Speaker 11 (10:30):
Yeah, this is systemic because the system on the irs
side is showing uh, you know, no withholding or no
with reported withholding, and obviously none was paid. So the
employee has to do essentially like what it sounds like
what he's trying to do is get proof of his
past ubs and get those submitted. The one one term
I heard was the one the online portal. Yeah, that

(10:50):
thing is ridiculous. Don't use that stupid thing. It's not
gonna work. Nobody's gonna look at it. You know, it's
sitting there in some system somewhere.

Speaker 18 (10:58):
So I get it online model and I also mailed
the copy in.

Speaker 6 (11:02):
Yeah, well he mailed it two, which is like, it's crazy.
The IRS is so backed up. If Steve, I hate
to interrupt you because we've got to come up with
a game plan, but I want everybody to think about
Don Eiley again. You know how long it took to
put everything together. The IRS finally figured out what was
happening after almost ten years.

Speaker 7 (11:25):
Ten years. Remember you have employees filing and getting refunds,
getting refunds. They're filing their taxes based upon the pay stubbs.
The IRS are literally sending out the refunds. Almost ten
years later, the IRS finally goes, well, wait a minute,
we don't have any money collected under that Social Security

(11:47):
number for ten years. These these morons, these buffoons at
the IRS literally have there's no tracking method. People yell
at doze and what's going on. This is a perfect
exam ample of how horrible the system is. And what
was his BBB waiting? Oh yeah, oh god, doc, thank
you for that. So after he was in federal prison.

Speaker 6 (12:11):
Don Eiley had a perfect a plus with the BBB.
Thank you, But I digress now Steve, let's just concentrate
on what he does. Yeah, first of all, it is
completely untrue and correct me if I'm wrong that you
have to lose your car or be in some kind
of peril in order not to have a taxpayer advocate.

Speaker 7 (12:31):
Is that correct?

Speaker 11 (12:32):
Yeah, that's correct, And don't call the taxpayer advocate because
they're going to push you off. They're completely speaking of
those dose cut taxpayer advocate in half, so they've gotten
very little resources. Unfortunately.

Speaker 7 (12:42):
Got it.

Speaker 11 (12:43):
But it's called a nine to one one form. So
go online, go to IRS dot gov, look up nine
to one one. Go ahead and put your notices together.
Fill out that nine one one form. File that nine
one one form with the Denver office. It may take
them a while to get back to you, but once
you file the form with him, then then you can
call and say, hey, I filed the nine one one.
Do you see that you've received it?

Speaker 16 (13:03):
Yes?

Speaker 11 (13:03):
Okay, how long until I get a case assignment number?
And then once you have an assignment number, then you're
actually talking to somebody about something as opposed to calling
in Like you know a lot of people calling and
where's my refund? All the rest. As you can imagine,
they get thousands of those calls because if your IRIS
is so backed up, So Michael a sort of advocate
for yourself a little bit here. But once you get
it filed, then you can pursue it. And if you
have any questions, just give me a call. You can

(13:25):
find me on that Harris Harris film a lot dot com.

Speaker 6 (13:27):
And I'll give you that phone number, Michael b Your
first step the second we hang up, you're going to
go onto that IRS dot gov.

Speaker 7 (13:33):
You're going to find the nine to one one form.

Speaker 6 (13:35):
Now, when you said, Steve file it with Denver, does
it give it the option?

Speaker 7 (13:39):
I mean, do you fill it out and mail it in?
Do you fill it out right online?

Speaker 8 (13:44):
Yeah?

Speaker 11 (13:44):
You can fill it out online it tip. I would
say that you go ahead and print it, sign it,
and then you can actually fax it, or you can
email it, or you.

Speaker 12 (13:52):
Can scan it, or you can.

Speaker 11 (13:54):
Physically mail it yet and just get it, just get
it sent. We fax things because that the IRS US
as the fax machine.

Speaker 7 (14:00):
Hey, Michael, Hey, Michael, I'm going to give you Listen, Michael, listen,
You're going to do that first, because I'm running out
of time on this call, you're going to do the
nine to one one.

Speaker 6 (14:08):
I'm going to give you Steve's number. You got to
give it a little time, but if nothing is moving again,
you're gonna call Steve. Okay, Now, I'm going to tell
you some good news out of all this. I don't
know how much the FEDS owe you right now. How
much do you think? Just make a guess. Okay, now,
let's tack on seven percent from day one of that,

(14:30):
and that's how much you're going to get. So the
good news is you're literally making money right now with this.
That might take a little longer to get maybe two
or three months after he gets the nine grand typically, Steve.

Speaker 11 (14:44):
Yeah, I mean they're going to attach an in just components.
It's owed and they withheld the money, so they give
themselves thirty days and thirty days after the date when
it's owed, and they started including interest, which is one
of the very few times you actually get me from
the irs.

Speaker 10 (14:57):
I'll actually pay you.

Speaker 7 (14:58):
Yeah, it's great. So I literally make a picture. I'm
gonna tell you something, Steve, and then I've got to
let both of you go. Dimitri go ahead and make
quick comment.

Speaker 19 (15:06):
Okay, Steve, I heard, and I think it was from
Mark that you overpay your taxes that earns interest that
seven or eight percent. And it sounds like that's true.
So if a guy wanted to have an alternative that
he thinks of as a high yielding CD, could he
intentionally overpay his taxes by I would say one hundred
thousand dollars and we get there, definitely, and just wait

(15:30):
and watch it earn seven or eight percent?

Speaker 2 (15:32):
Is that how that works?

Speaker 7 (15:33):
Well, it's also based on what they're charging.

Speaker 11 (15:37):
It's only as the IRS owes you beyond a certain date.
So if you lets you make an estimated tax a
pause of one hundred thousand dollars in your fourth quarter, yeh.
Can you file your tax return timely and the IRIS
does not return that to you on that overpayment within
their alloted timeframes, then they're going to go ahead and
start paying interest on that. But guess but they don't
hold that money.

Speaker 6 (15:57):
Wait wait, wait, wait, I'm going to correct you on that, Steve.

Speaker 7 (16:01):
So, uh, you know what my situation was.

Speaker 6 (16:04):
The i R s owed me over one hundred grand
for about what wasn't four or five years you were involved,
So we literally find our finally got our check. I
got seven to nine percent interest over five years.

Speaker 12 (16:16):
We got that back. Thanks for letting we know.

Speaker 7 (16:19):
Guess when we got it. You ready for this, Guess
when we got it yesterday? Recently, hopefully yesterday. Really one
hundred and thirty two thousand.

Speaker 12 (16:29):
It took us three years.

Speaker 7 (16:30):
It took us, those bastards, those bastards three years. I overpaid,
and I said, they said you wanted to sit in
the account. I said, why the hell would I want
in the account? Send it back to me. We overpaid
by one hundred grand. It took him three years to
get me the check.

Speaker 19 (16:45):
Well, congratulations, but it sounds like my idea of intentionally
overpaying just to earn that interest is not going to work.

Speaker 12 (16:51):
Right.

Speaker 7 (16:51):
Well, it works for a period of time.

Speaker 11 (16:53):
You taking us to lottery, essentially, because that means that
they're they're holding your money for a reason. Okay, and
hopefully it's not. If it's a batterieson, then you're gonna
get interest. But if it's a good reason, now you're
getting automated. I'm not sure that's the best financial strategy.

Speaker 7 (17:06):
Steve, I should have told you that.

Speaker 6 (17:07):
Literally, we got to check yesterday Hey, I want everybody
out there to know though Steve sizzick Uh he's with
the Harris Law Firm.

Speaker 7 (17:13):
They're great people. Eight three three three six six.

Speaker 20 (17:17):
Before you let him go?

Speaker 7 (17:19):
Yeah, mind you Well, I have to take a break, Kelly.

Speaker 6 (17:22):
I've got no choice now, okay, stay on eight three
three three six six zero three seven zero Harris Law Firm. Everybody,
hold tight, I'm running so far back Larry and Paul.
I promise you guys will be coming up.

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(17:57):
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Speaker 7 (18:02):
Help.

Speaker 21 (18:02):
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Speaker 6 (18:14):
All right, three oh three seven one three eight two
five five. We've got another call for Steve, so I'm
going to deal with that then, we'll finish up with Michael,
and then Larry's got a problem with identity theft. But
I have to tell you about Paul the Waterman, the
best for less. He's got a system right now thirty
six hundred bucks. Not only does he get rid of

(18:35):
the chlorine or lower the chlorine level, which is great
for you, it gets rid of forever chemicals, all that
microplasty that is in virtually everything we eat and drink.
It gets rid of that in your house and not
just a point of use, your entire house. And it
softens the water for less than thirty six hundred bucks.
It's good for may only. So I'd call and get

(18:56):
it now, call up to competition. I dare you ask
him how much for a system like that? You know
what you're gonna hear about twelve thousand dollars. He's got
it for thirty six hundred bucks. I have his system
in my house waterpros dot net, Paul the Waterman, waterpros
dot net. Now real quick, Michael, do you have any

(19:16):
other questions for Steve?

Speaker 7 (19:18):
And then I've got to move on to other calls, sir.

Speaker 18 (19:21):
Yeah, one quick question. So looking at my W two forms,
there is between twenty twenty four and twenty twenty three.
The employer identification number is different by one number, but
it has two different addresses, but it's the same LC
as that possible.

Speaker 6 (19:39):
Well, it's possible because you're looking at it. But Steve,
it sounds like they were just doing that. That's nothing
Michael would do, right, that's going to be the employer.

Speaker 11 (19:48):
Yeah, that might be why they're not giving you a
credit because you're claiming withholding from one entity and it's
the foremost filed for another. So there's just a once again,
it's systemic.

Speaker 6 (20:00):
But there's nothing getting around the factor saying zero for both.

Speaker 11 (20:04):
Yes, well, the IRIS is looking for you know, it
is looking for withholding on one entity, but it's obviously
there's nothing there, right, But if the IRS were directed
to the correct entity, there might be a WT sitting
on their system that then they could apply towards the account.

Speaker 7 (20:18):
Steve, when you say this is systemic, exact, what are
you talking about? Like?

Speaker 6 (20:23):
I mean, are you getting this call over at the
Harris Law Firm all the time?

Speaker 7 (20:26):
Now? Like for real, I get.

Speaker 12 (20:29):
These, I get these fairly often. I actually dealt with the.

Speaker 11 (20:31):
Situation like this for a family member of mine. So
you know, it's just one of these things where when
I say it's systemic, is because the system, the IRIS
has to process one hundred million, you know, different tax
returns every year and it's a system that's doing it.
So if one number is off, it's just it's not
gonna you know, how much of.

Speaker 6 (20:47):
It's farius like Don Eiley, how much of it is
theft compared to stupidity?

Speaker 12 (20:54):
Yeah, it's most of its stupidity.

Speaker 11 (20:55):
I was a ninety percent of stupidity and user error
and ten percent is you know, Tom foolery like Don Eiley,
which was you know, it was a one off, but
obviously the implications were so significant.

Speaker 6 (21:06):
Well, let me ask you with Don Eiley, like, legitimately,
why did it take so long for the i r s.
They were giving Joe blow Social Security number his refunds
every single year for years and years and years, but
but they're reported zero from the employer. Why did it
take them so long to match that up?

Speaker 11 (21:27):
Yeah, that's just that's the I R s being overwhelmed. Uh,
and you know, inefficient and their systems. You know, once again,
I mean unless there's something that pings the system that
that you know, is in some sort of you know,
audit lottery. I guess they're not going to see it.
You know, it's a voluntary reporting UH collections division and
one of the most successful voluntary collections divisions in the world.

(21:48):
And the IRIS a lot of times just realized on
the figures you submit. So Michael, things can can go
for a while.

Speaker 6 (21:54):
Michael, you've got to get on that nine to one
one for man, I don't know how else to put it.
Get that part and explain everything you heard today, tell
them about the two different employer identification numbers and give
Steve a call. But you got to give them a
little time first, you know what I'm saying. There's nothing
quick about it, man.

Speaker 11 (22:14):
Right, Definitely include the information on the the TWOI ensh.

Speaker 6 (22:18):
Include the information on the two ei ns, and if
you can upload stuff or fact stuff, facts, all of it.

Speaker 7 (22:25):
I mean, complete the form.

Speaker 6 (22:26):
Just get it done, and like I said, you will
get paid interest on it. And we do appreciate that call.
And then Paul, what is your question?

Speaker 3 (22:35):
Can you hear me?

Speaker 7 (22:36):
Okay, I can hear you find Paul?

Speaker 3 (22:38):
Okay, what's a problem before say I'm retired in in
my income only comes from Social Security and the back
axis that I get. So there's no work holdings for
traxes and I'm I'm being told by the.

Speaker 16 (22:57):
Department that I need to be paying.

Speaker 3 (23:00):
Quarterly estimating taxes. And they've already penalized me once for
not doing that, so just for lack so this year
they already penalize me. And I call them a couple
of times and they insist that I have to be
doing that. I don't understand that. I called the iron.

Speaker 7 (23:19):
All right, we get it. Steve any, Steve, any input
you have there?

Speaker 11 (23:24):
Yeah, I mean, you know, they're the government's talking about
making Social Security income non taxable, but right now it is.
And so you have to be taxes on that. If
they're not withholding from your page from your Social Security checks, uh,
then you need to go ahead and make payments of
taxes on those manually. It's not like a paycheck, right,
So if someone gets a paycheck, they withhold every time.

(23:44):
You know that every two weeks they're pulling out of
that check and it's going to the RS. If they're
not withholding, then what you're you're basically a contractor and
you're getting this income and the IRS wants to get
it get its payments.

Speaker 6 (23:55):
Wait a second, save, of course I'm not on Social Security. Yeah,
I've got a long waist to go. But I never realized.
I always saw taxes were taken out of the check.
I know, like for example, Medicare pricing is right.

Speaker 11 (24:10):
Sometimes they do and sometimes they don't. And he just
mentioned that they're not taking from a Social Security check.
And I'll tell you, I'm not really sure a reason
and why they do that or not.

Speaker 10 (24:20):
That's a CPA question.

Speaker 11 (24:21):
Yeah, okay, but if you're not getting your tax hold
on you paid.

Speaker 3 (24:26):
My problem is not with the r rs. They said,
I don't have to be making those friends.

Speaker 7 (24:31):
It's with the state of Colorado.

Speaker 3 (24:34):
I called IRIS this morning and she told me it
says right on the screen here, I'm not required to
be doing that now. One thing they told me kind
of like what you were saying, is if I call
the Social Security and tell them to start taxing my payments,
that that that might get me out of making the
courting repayments.

Speaker 6 (24:55):
How much do you end up Wait a second, Wait
a second, I am curious on this. How much you
make in Social Security and interest just per year? Is
it over eighteen thousand? How much is it?

Speaker 3 (25:06):
Well, my sources Security monthly payment is about three thousand dollars.

Speaker 6 (25:11):
Okay, and then how about interest? I mean, what are
you about forty thousand? What did you make in twenty
twenty four, Paul.

Speaker 3 (25:18):
Well, I owed the IRISIX sixteen thousand and I stayed
about thirty eight.

Speaker 6 (25:25):
No, but Steve and I know you're not the account
and you're on the other side. You know you're you're
helping people that owe a lot of money. But you
know if I owe if I don't pay my quarterlease
and just pay it all before April fifteenth, I end
up paying a pretty high interest rate, depending on what
the interest rate is. So I would assume Paul should

(25:45):
be having that money taken out with Social Security. That
would solve this problem. Plus you're probably paying some form
of penalty and interest to the IRS.

Speaker 15 (25:57):
Paul.

Speaker 3 (25:58):
No, like I said, I called that no problem. You
don't send any money, you're up to date and you
do not.

Speaker 7 (26:07):
No, that's Paul, you're missing me.

Speaker 6 (26:09):
I realize you don't owe them any money because you
paid them six thousand or sixteen thousand or whatever amount
you said. My point is, I bet if you look
closely at your tax return or talk to whoever prepared it.
You probably paid some penalty or interest. But Steve, would
that be correct If you owe money and don't pay
it till the end of the year, don't you typically

(26:31):
pay interest for not paying quarterlies?

Speaker 10 (26:34):
You paid penalty?

Speaker 11 (26:35):
Yeah, So the you know, the rule is that you're
supposed to pay one hundred percent of what you owe
the previous year, or ninety percent of what you think
you're going to owe with yeah, players ever a greater
in the following year, and if you don't do that,
they will penalize you on a factor of how much
you owe the following year. So I think it's everything
over six hundred dollars you're getting penalized each year. Yeah,
because you didn't prepay those taxes. Those are called estimated

(26:56):
tax positialties. It's the same for the state as the
ir So you know, you should look at your return
and I would assume or I would imagine that when
you look at it, there's at the bottom there is
an estimated text upon the penalty that's actually paid exactly.
You haven't paid it to the state.

Speaker 6 (27:12):
So, Paul, I just want to emphasize this to you
because you're calling for the wrong problem. I understand Colorado
is giving you some issues. But if you go back
and look at your tax return, I know you paid everything,
but there was penalties in there because you owed the
IRS money quarter one last year or whatever year or

(27:33):
quarter we're talking about. So you want you want to
start having that money taken out of your check and
you're going to fix the problem you called about, and
you're not going to be paying the penalties.

Speaker 7 (27:45):
Man, do you understand that?

Speaker 3 (27:47):
Yeah, I understand.

Speaker 7 (27:48):
Awesome.

Speaker 3 (27:49):
I've looked return.

Speaker 7 (27:51):
There's no okay.

Speaker 3 (27:54):
Like I said, I called the IRS.

Speaker 6 (27:55):
Today, all right, Paul, I know they said you didn't
know any money. I mean, I'd love to look at
your tax returns though, but I wouldn't even feel comfortable
asking you to send them to me. I highly suggest
you look at him again because or have your CPA
or someone look at him. I have never heard of anybody.
I put them on hold. We can free that up. So, Paul,

(28:17):
I'm trying to give you advice once. I have never
heard of someone that doesn't pay quarterlease, unless if it's
a very.

Speaker 7 (28:24):
Small amount of money.

Speaker 6 (28:25):
And I think he said sixteen thousand, So I've never
heard of anybody that owed money for over a year
plus going up to April fifteenth, that didn't pay any
interest or any penalties because they didn't pay quarterlease. And
I don't care. I mean, Steve, have you ever heard
of anybody like that?

Speaker 10 (28:43):
Yeah?

Speaker 11 (28:43):
No's that's just it's a pay as you go system.
They got to keep it bykee on throughout the year
and I'm just on April.

Speaker 6 (28:49):
Foseup, Okay, listen, I got to take this break once again. Steve,
I truly appreciate you on and anybody out there. Steve
can be reached through the Harris Law Firm eight three
three three six six zero three seven zero eight three
three three six six zero three seven zero Hey tell
uh tell a rich And.

Speaker 7 (29:10):
It's Laura, is it kind of Lisa? Lisa Harris?

Speaker 12 (29:13):
I said, Hi, Yeah, Lisa and Lisa.

Speaker 11 (29:15):
They're familiar with you. They appreciate you and ID two
as well. And thanks for letting me know about our
successful case there. Man, that's warms my heart. You made
my day.

Speaker 6 (29:23):
God for can you believe it till the period of time.
And I do appreciate you getting that ball rolling big
tight yeah.

Speaker 11 (29:29):
Yeah, and you know, and they can find me on
the website too. If they want to contact the text
division directly, I'm definitely available.

Speaker 6 (29:34):
Awesome thanks Steve three oh three, I'm giving out the
wrong number eight three three three six six zero three
seven zero.

Speaker 7 (29:42):
Man, I've got a lot of catchup to do, Hank Tight,
We have got a ton going on.

Speaker 21 (29:51):
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dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
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(30:13):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two.

Speaker 6 (30:22):
You know, I'm pretty sure all those irs agents said
Biden hired or through the Infrastructure bill. And by the way,
I'm not getting political, I promise I don't care what
side it is.

Speaker 7 (30:33):
I love when we pass a bill.

Speaker 6 (30:35):
What was the one where uh, I think it was
called the infrastructure or the Anti Inflation bill or something crazy.
They just name these bills. Whatever they think a stupid
people are going to accept. I mean, if you really
think about it, it's just a well it's obnoxious. And
then the infrastructure bill, Why.

Speaker 7 (30:58):
In the hell do we have pots everywhere?

Speaker 6 (31:01):
I don't understand where this infrastructure?

Speaker 7 (31:05):
Where is it? Get on and say it, Mark, I
mean you're we're on air. What do you say and
no one can hear you?

Speaker 9 (31:12):
Polish what it's my understanding? Police does not like to
spend money on roads.

Speaker 6 (31:17):
Well that's a parent I mean, my god, you can
travel twenty.

Speaker 9 (31:21):
Five We passed a bill. I don't remember how many
years ago we passed a bull bill. It was all
the money was supposed to be going to our roads
and it's not being spent there.

Speaker 6 (31:28):
It's crazy. We go over a I'm trying to think
where that bridge is. I think it's in between Castle
Rock and Franktown. I mean, it's like you're in Vietnam.
There's there's freaking mortar shots in it.

Speaker 7 (31:42):
Two years ago.

Speaker 2 (31:43):
Do you think maybe all that money went to buy
shovels for the shovel ready projects.

Speaker 6 (31:47):
Yeah, it's then where is the infrastructure? And I'm being serious,
we're learning now that are airlines. I mean, I didn't
know Newark traffic was like out of Philadelphia International.

Speaker 7 (31:59):
How the hell does that even work? Like they strung
a phone line. Where is this infrastructure bill that was
passed three years ago or whatever it is?

Speaker 6 (32:07):
Where is this money? I mean, like literally, what have
they done with it?

Speaker 13 (32:12):
Well?

Speaker 8 (32:12):
It needs to be doged obviously.

Speaker 6 (32:14):
Well it's just insane to me because the country does
need a not a facelift, It needs infrastructure a big time.
It's crazy our airports and you know, by the way, DA,
I'll say this, at least they work on a twenty
four to seven. I don't think I've ever went to
the airport where it's not torn apart. I mean it's crazy.
It's absolutely nuts. You walk in there and there's just

(32:35):
walls in holes of construction everywhere for the last.

Speaker 7 (32:40):
What ten years since they opened it. How about the
luggage system we came up with that? Did they ever
use it?

Speaker 13 (32:47):
Like?

Speaker 7 (32:47):
Literally, I don't think they ever implemented it.

Speaker 8 (32:49):
I think they did for a couple of years and
it just kept breaking.

Speaker 6 (32:52):
And while I'm on it real quick and I apologized everybody.
I know people that some people hate this stuff, but
I'm going to tell you the dumbest, the second dumbest,
and the first dumbest thing I have heard in the
last I don't know four or five days.

Speaker 7 (33:05):
We've got these.

Speaker 6 (33:05):
Crime cameras downtown and they've been deployed now for I
don't know months or years even, and they have solved
so many crimes.

Speaker 7 (33:16):
They take pictures of license.

Speaker 21 (33:20):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 15 (33:24):
You don't pay cent until you're.

Speaker 21 (33:25):
Contenth time for an insurance checkup, free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three

(33:47):
oh three nine two zero sixteen twenty two.

Speaker 6 (33:55):
All right, so listen after the break, we've got shamrock buildings.
In update from yesterday, we got our expert on from
referral list dot com. This guy spent fifteen thousand dollars
for a steel building. He got the plans back and basically,
what the plans had on him was a pole barn.
He was not happy. They said, well, hold on, we'll

(34:16):
redo it. They came back to him said the building's
going to cost twenty thousand dollars more.

Speaker 7 (34:21):
He goes, no, I don't want it.

Speaker 6 (34:23):
I want my money back, and they're saying, nope, nope, nope,
we're not giving you anything back. The only thing they
have done so far is a design work. We're going
to get into that after the break.

Speaker 7 (34:33):
Now.

Speaker 6 (34:33):
I do want to finish up with these cameras. So
Denver wants to get rid of these cameras, and the
entire I guess it passed the city council.

Speaker 7 (34:44):
Every single one of them voted against it. It is stopped.

Speaker 6 (34:48):
It has led to the arrest of one hundred plus
different people. It's the most insane thing in the world.
But that's Denver for you. Thank you, Polist, Thank you Mike.
We're going to be back very shortly.

Speaker 21 (35:25):
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dot com.

Speaker 15 (35:28):
You don't pay a cent until you're contenth.

Speaker 21 (35:34):
Time for an insurance checkup, free no obligation comparison call
Compass insurance paying too much your coverage at dozens of
insurance companies. Find out now three oh three seven seven
one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot Com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two.

Speaker 17 (36:00):
Ripped of.

Speaker 4 (36:02):
News, you don't have, come running just as fast as
we can. Shooter's gonna help coming man.

Speaker 5 (36:14):
This is the Troubleshooter Show. No Tom Martino, Welcome.

Speaker 7 (36:19):
My friends to the only show. If it's kind.

Speaker 6 (36:21):
We're here to solve problems, answer questions, take complaints. If
you've been ripped off, maybe a bad contractor they never
showed up, never finished the job, took half the money
up front.

Speaker 7 (36:32):
You get the idea. That's what we do. We go
after the bad guys. It doesn't matter who they are.
It can be an attorney for that matter.

Speaker 6 (36:38):
We've literally gone after attorneys on this show, dentist's, medical people,
you pretty much name it. We've done it over a
forty five year period. You have any issues at all,
three oh three Martino. That number is just like that
three oh three Martino.

Speaker 7 (36:54):
It works on and off the air. So if you
call after the show or before the show.

Speaker 6 (37:00):
If we do not answer, and if we can't help
you right then and there, we will actually call you back.
Help at troubleshooter dot com is the best email to
reach any of us. That's help at troubleshooter dot com.
Now I want to recap something real quick, and then
I'm going to bring up our expert and the original caller.

Speaker 7 (37:18):
But Robert, I'll bring you up really fast. Air.

Speaker 6 (37:21):
Robert, you purchased a building from Shamrock LLC. In fact,
I think, what is it Shamrock Construction, Shamrock Buildings.

Speaker 7 (37:32):
What was it called in Fort Collins?

Speaker 6 (37:35):
Shamrock building, Shamrock Buildings, And they're basically based out of
Fort Collins. He spent fifteen thousand dollars. The building was
going to be about eighty to eighty three thousand, and
he got the plans back. He put fifteen thousand down
on this building. They were going to go to Cleary
Buildings and basically order the materials.

Speaker 7 (37:55):
Then they're a Cleary dealer. Then they're going to erect
the building building and actually it's not a building.

Speaker 6 (38:00):
It was a carport. But when you got the plans back,
you looked at them and instead of steal beams because
you thought you were buying a steel building, it was
actually wooden beams, almost like a pole barn.

Speaker 7 (38:12):
So far so correct. Yes, So then he calls up
and he says, hey, this is not what we talked about.
I didn't want this. I wanted a steal carport.

Speaker 6 (38:24):
And they say, oh, okay, well hold on And then
how long did it take them to get back to you?

Speaker 2 (38:31):
A year?

Speaker 10 (38:32):
What a year?

Speaker 7 (38:35):
So a year later they get back to you.

Speaker 22 (38:39):
So originally I gave the money in twenty twenty four May,
and I got back in twenty twenty five me that
it would be twenty thousand dollars. Act three five want
to replace the wood with metal?

Speaker 6 (38:56):
Why did it take Well, I do have a question
for you, Robert. How long did it take you to
realize it was going to be wood beams from the
day You've got the plans.

Speaker 22 (39:06):
That once and I emailed that once that hey, that
is is not metal, it's.

Speaker 6 (39:12):
Would and you I'm sorry, Robert, I didn't understand you.
How long after you got the plans once?

Speaker 7 (39:20):
What is he saying? Someone tell me what is he saying?
Right away? Is that what you're saying?

Speaker 2 (39:26):
Robert no, he said six.

Speaker 8 (39:27):
Months, six months, okay, sorry, So six.

Speaker 6 (39:32):
Months later you emailed them and basically said go ahead, Robert.

Speaker 22 (39:36):
No, no, no, So when I got them, so that
was the that was the I signed a contract. And
after that time, when I got the plans in August,
that once I emailed back that this is wood, I
wanted metal, so that once I reacted once that was

(39:58):
no question.

Speaker 7 (40:01):
I got you. So you're saying, at once, I get it.

Speaker 6 (40:04):
So soon as you got the plans, you noticed it,
you reached out to him. Then it took them how
long to get back to you with metal?

Speaker 13 (40:12):
This May?

Speaker 6 (40:14):
So they got back to him in May saying it's
going to be twenty thousand dollars more. At this point
he's like, no, I don't want to do it. So
he requested a refund from Shamrock because they didn't give
him the right price nor the right plans. From what
he is saying, they discussed when he was there at
the office or signing the contract. Then I also asked you, Robert,

(40:37):
in the contract does it specify wood or steel?

Speaker 7 (40:41):
You said it does not.

Speaker 6 (40:42):
So we sent it over to one of our steel
building experts, and I want to get his opinion. His
name is Eric and he is with Great Western Buildings.
In fact, you can check him out at GW Buildings
dot com.

Speaker 7 (40:55):
But let me lock you in.

Speaker 6 (40:56):
So Eric, you kind of you breezed over and looked
at the contract.

Speaker 7 (41:01):
Do you see what? Just tell me what you found?

Speaker 23 (41:05):
Well, I mean the I mean, the thing that blows
my mind is just how vague this contract is, right,
and I mean the terms and conditions that apply to it,
you know, I mean, they're pretty clear. I'm surprised they're
even offering anything back because it's clearly not refundable. But
the the there's no spec or anything on the contract.

(41:27):
It doesn't even other than the colors. I mean, usually
for a building system, you know, the codes, the loads,
the gauge of the material, the warranties, the primers, everything
is called out on an order form or a contract.
And nowhere in here I dug and dug through it
to see where it would say that it.

Speaker 10 (41:47):
Was, would you know?

Speaker 23 (41:48):
And for me, you know, I'm in the industry, you
know I can tell just by you know, just by
the name, you know that it's likely a pole barn,
and then of course with the pictures that attach. But
I want to know from Robert, when did you tell
them that you wanted a steel building rather than a
pole barn? And is that in writing?

Speaker 22 (42:07):
So we discussed when it came out to my house.
I discussed once. I said that I wanted metal, and I,
you know, I assume that it's going to be metal.
So when I got it, so I signed a contract
in May twenty twenty four May, and I got the

(42:28):
blueprint in August. And it's once an one.

Speaker 23 (42:32):
Now, now you got the blueprints in August. The ones
that I'm looking at here appear that you would have
gotten them in September. So did they send you a
set of plans that showed wood in August before they
sent you before they sealed them?

Speaker 12 (42:45):
No?

Speaker 22 (42:45):
No, no, sorry. Then then I got it. I believe
August thirtieth when I got the the blue print. So
it's it's when you look at it, it can be
that September, beginning of September. That's beginning of September.

Speaker 12 (42:59):
I got them.

Speaker 23 (43:00):
But if you got them in August, and these are
dated September third, did they send you a set before
there was an engineer seal on them in the bottom
right hand corner?

Speaker 22 (43:10):
No, no, it's it's it's that septemb.

Speaker 7 (43:14):
What is that? What kind of light would that shed
on it? Why that question?

Speaker 23 (43:18):
Eric, Well, it comes down to the concept. They're claiming
that they incurred, right, so they're going to argue, or
at least if you know, I would argue that, hey, uh,
we did all the engineering, we stamp, we sealed them,
and then you told us you didn't want it, so
there's our cost. If they sent over preliminaries and Robert
said hey, wait, this is what and then they went
ahead and sealed them and incurred the cost with the engineering,

(43:41):
you know, that wouldn't really be fair.

Speaker 7 (43:44):
It's so it But you're saying the contract is so ambiguous.
How do you how do you have a contract of
someone building a car port and basically it just says
we're going to build a car port. It doesn't get
I mean, so if they built it out of ay,
it would be okay.

Speaker 6 (44:00):
I would argue it's so ambiguous that the person that
wrote the contract is going to be the one that's
responsible for the ambiguity, and therefore the contract means nothing.

Speaker 23 (44:14):
Maybe, I mean it is it is so ambiguous, Like
you said, you know, I don't think he would be okay,
But yeah, they could make it out of pretty much.

Speaker 7 (44:23):
Seriously, it sounds like the little pigs over there, I
mean they can.

Speaker 6 (44:26):
You're telling me reading through that it literally doesn't what
does it say the size of it?

Speaker 23 (44:33):
Just the size and the colors on the roof and
the walls or the not the walls, but the skirt walls,
the you know, the softa closures and stuff, and the trim.

Speaker 6 (44:42):
That's so, give me an idea what your contract would
say there? Would it say steel beams?

Speaker 18 (44:47):
Oh?

Speaker 23 (44:48):
Yeah, I mean it, you know, for a metal building contract,
and I'm speaking for my industry, it would define, you know,
what what kind of a what kind of framing it is?
You know, obviously it's steel, but we still call it out,
you know, ibeam or post and beam, you know or whatever.
We call out the perlins, we call out the gauge
of the metal. There's there's nothing here. We call out

(45:10):
the base basing. They don't even call that out on
the set of plans. I suppose actually in the drawings
they sort of call that out, but I mean it's
so vague. As a layman, I wouldn't expect anybody that
is not in the industry or is not in construction
to be able to understand just by this contract what
the material is actually going to be.

Speaker 7 (45:28):
They're offering them half back.

Speaker 6 (45:30):
And I'll tell you why, because I don't think they
have I personally this isn't legal advice, but I can
tell you this over the years, when something that is
that ambiguous, the person that drafted the contract is generally
the one that's going to lose the case in front
of a judge because they're the ones that drafted in.

Speaker 7 (45:48):
Okay, big deal.

Speaker 6 (45:49):
If I trick you into signing over your firstborn child
to me in some little paragraph in the middle of
a forty page document, for the life of me, I'm
not going to end up with your kids be in
slave labor forever. I mean, it's crazy. No one knows
how to read that. So what would you Well, you wouldn't.
I can't even ask you what you would do it

(46:09):
in this situation, Eric, as far as the builder, because
your contracts wouldn't be like this. What do you think
they should do? And I know I'm putting you on
the spot.

Speaker 23 (46:20):
Well, I'll just give you another example of what I
would do. You know, just recently, I had a customers
up in the mountains. He bought a thirty thousand dollars
building from us, and our contract is clear, clear, clear
on what services were providing. And one of the things
that's not included is the foundation or the cost to
erect the building. And I mean it's spelled out in plant.

(46:43):
It's not buried in the terms and conditions. It's right
there on the cover. Anyway, as he called in a
week or two after he had bought it, and when
he discovered, at least in his opinion, he says, hey,
I thought you were going to put it up and
do the concrete. We said no. I had my team
go back and listen to the call to see if
my salesperson had lied to him or you know, or
if my salesperson had pulled him otherwise. And they never

(47:04):
even discussed it. But we didn't do any work on
the project. He was an older gentleman, and I said, hey,
I'll give your money back. I just gave him his
money back.

Speaker 6 (47:12):
Well, that's that's what should be done. I mean, once again,
that's exactly what should be done. And I love the
fact you went back and you were able to listen
into the sales call and figure out what was going on.
All right, Eric, I appreciate all your input and looking
at that contract, so you would definitely say that contract
and not just you and you guys built my building.

(47:33):
I'll say it again. And it's been standing perfectly. It
looks like the day you built it. My goodness, what
seven years ago. Whatever it's been. It's a great building.
It's a big r V garage. They insulated it, doors, windows, everything.
But you would say, whether it's you or I hate this,
I went and met with this company before I met you,
the general, all these other companies, even these that I

(47:56):
call scams basically, and the reason I call them scams,
they always have your size building in stock ready for delivery.
I mean like literally you call them up and go,
I'm looking for a thirty by fifty. I want it red,
I want a metal roof. I want it insulated. Oh
you're in luck. Someone just canceled it. We have one

(48:16):
at half price. To me, it's just all bs. But
even those people looking at that contract, you would say
that is not industry standard for a metal building.

Speaker 23 (48:27):
One that is not for a metal building, and a
pole barn's a different kind of a different breed yep,
I'm for it. How simple and just.

Speaker 6 (48:38):
Vague I got you, Hey, man, I really appreciate it.
And you can find Eric and GW Great Western Buildings
on our referral list at referral list dot com. And
I can vouch for these guys. They did a great job,
everything straightforward. In fact, when you buy a metal building,
I'll say this, hey, but listen, Robert, I'm going to
come back to you after the break because I've got

(49:00):
some ideas how we can try to get all your
money back.

Speaker 7 (49:03):
But I do want to say this.

Speaker 6 (49:04):
When you order a steel building, you better understand they're
quoting you originally. And this is what the general did
to me, and I did not like how they worked.
I looked at the contract. I was like, wait a minute,
I don't see windows, doors, insulation, I don't see anything
in here. You're talking about just as part of it.
But that's pretty standard in that industry. So when you

(49:27):
get a price on a still building that doesn't include windows,
man mark, you're looking at me like you want to
go ahead.

Speaker 9 (49:34):
No, no, I understand you, and you're right. You got
to look at those contracts. And we go through this
all the time, all the time. Yeah, Oh I thought
you were going to I said no, we never said
we were going to do that.

Speaker 6 (49:43):
Yeah, it's crazy, So you better know what you're getting
into on these Everybody hold tight. We got a lot
coming up. I'm going to finish up with Robert. But
I got a really good idea, and the first is this, Kelly.
I want you to try to call Shamrock and get
them on the phone so I can talk to them
directly on the air.

Speaker 21 (50:06):
Go with a sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent until you're content.
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(50:27):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two.

Speaker 7 (50:37):
Hey, don't forget.

Speaker 6 (50:38):
You can watch us and listen to us on YouTube.
Go to YouTube dot com type in Troubleshooter Network. You'll
see our live stream every day and you can also
check us out on the iHeart app and or just
ask watch this. I'm gonna trigger everybody's Alexa turn on
the Tom Martino Troubleshooter Show. There now, everybody's yelling at me,

(50:59):
all right, three seven one three eight two five five Robert,
here's what I'm thinking, man, I'm gonna try to get
them on.

Speaker 7 (51:06):
Kelly.

Speaker 6 (51:07):
Did you reach out to Shamrock. She's on with them
right now. I'm gonna put you back on hold. I'm
hoping we can get Shamrock Uh to basically, in my opinion,
do the right thing.

Speaker 7 (51:17):
I don't like any part of this.

Speaker 6 (51:19):
I'm gonna send that contract, if needed, over to one
of our attorneys, and I want under everybody to understand
what I'm saying if a contract is ambiguous, and I
brought up a crazy example of okay, so they can
make the building or the car port in Robert's case,
at a hay, or at a brick, or at a stone,
or at a cement, or at a wood or at

(51:41):
a steel out of anything. It doesn't say anything. But
when they had the conversation, according to one of the party, Robert,
they talked about a steel building. Well, this is far
from a steel building when the plans show up with wood.
So I don't understand why these guys just cut the
whole thing loose with the guy. What did they say, Kelly?

Speaker 20 (52:05):
I got hung up on three times?

Speaker 15 (52:07):
Why what do you mean?

Speaker 20 (52:08):
What do you do even identify myself?

Speaker 7 (52:11):
What do you mean? So you just call up and
they just what like literally you call up and they
just click.

Speaker 20 (52:17):
I said I was referred, and they asked me what
it was regarding. Yeah, and I said I was referred
and I'd like to speak with Jacob, who Robert spoke with.

Speaker 7 (52:28):
And they just hung up on me.

Speaker 6 (52:30):
They just hang up three times. Well, okay, why don't
we try do me a favor? Try this tactic? What
you call up and say, I'm Kelly calling from the
Troubleshooter Show. We've got a problem. One of your clients
is on the air right now. Try that for me, please,
and then hold on, Robert, just hold on. I don't
want to light these guys up till we give them

(52:51):
every opportunity. All I want to understand is why, for
goodness sake they just won't refund the whole thing. Here's
the other question. There's no way it's because they're a
clearly authorized dealer. Those plans cost them seventy five hundred
bucks or seven thousand, Robert, how much do they offer
him to refund?

Speaker 7 (53:10):
Right now?

Speaker 22 (53:10):
How much from the so it's with fourteen five hundred,
so seven five hundred, okay.

Speaker 6 (53:19):
Or let's figure out what plans like that actually cost.
In fact, you know what, Suzanne domia Favor, call Eric
and ask Eric how much plans like that cost? Seriously,
how much the plans that he's looking at would cost
him to have an engineer WEDB stamp. I'd like to
know that just a ballpark a real number. I'm guessing
five hundred bucks. I'm guessing. And if they own five

(53:41):
hundred bucks, fine, the guy signed a contract. He should
have looked it over. But it's so ambiguous. None of
this matters. So just let let's do this. I got
to take a deep breath home. Frank, what's going on
with you?

Speaker 7 (54:01):
Frank? You're up, Frank.

Speaker 14 (54:07):
To mute you?

Speaker 7 (54:08):
Hey, Frank, no problem. What's going on man? What's your question?

Speaker 3 (54:11):
Sir?

Speaker 7 (54:12):
Well, hey, I appreciate your holding. By the way.

Speaker 10 (54:16):
Yeah, I just thought you click, I said, Oh my god,
it's just like those other guys. I'm just kidding. My
mom passed away last year right before Easter, right, and
I'm the youngest of four. Okay, I was just wondering,
is this public record if they had like what if

(54:38):
she had a will and they got like half a
million bucks? But they tell see they live in New Mexico.
I live in Wyoming.

Speaker 7 (54:47):
And well, when you say they, do you mean the
other three siblings?

Speaker 13 (54:52):
Yeah?

Speaker 6 (54:53):
Yeah, okay, so did you get anything out of the will?
Did you get a chance to see the will? Is
there a will that you know of?

Speaker 10 (55:01):
They said there was just a couple of hundred bucks. Okay, well,
there was some gas money in shell be but they
have three of them have new cars.

Speaker 7 (55:09):
Yeah, we get this call up that they just got.

Speaker 6 (55:13):
But do you think does your gut say you were
and I'm being serious so we can get to the
bottom of this, but do you think there was a
lot of money? I mean, it's your mom, I mean,
what do you know?

Speaker 10 (55:26):
It's just wise to she wasn't even sick, but it
is wise to just get a little policy on somebody.

Speaker 6 (55:35):
So you're you're thinking maybe there was a life insurance policy.

Speaker 10 (55:40):
Right, and they just didn't tell me about it.

Speaker 7 (55:43):
How old.

Speaker 10 (55:44):
Was she eighty eight?

Speaker 6 (55:46):
There's not a lot of eighty eight year olds with
a life insurance policy. Brother, I'm not saying there's none,
but you generally don't run out at seventy five and
get a life insurance policy. I mean she might have
had a whole life or something building up. Were you
disconnected from your mother?

Speaker 10 (56:04):
No, I wasn't. But that's actually a long story. But
is it public record?

Speaker 16 (56:10):
No?

Speaker 10 (56:11):
No, Oh, you can't just look it up.

Speaker 7 (56:13):
No, you can't just look it up.

Speaker 6 (56:15):
In fact, in fact, it's a little stranger than that.
Let's say someone had a life insurance policy I don't know,
through their work or something and never told their spouse
or didn't tell their siblings or the beneficiaries or anything.
Eventually that money might the state, the insurance company will
turn it over to the state, like in Colorado. I

(56:36):
think it's a great Colorado payback and maybe event I
think it's called the shoot fund. I can never pronounce that,
but it'll eventually go in there. But there is no
place unless you're a part of the will or especially
a trust, actually a will. I'm trying to think if
it wasn't put in the will, let's say you had
a life insurance policy and you forgot you had one.

(56:59):
I wonder how anybody would find it. Let's get Dan
McKenzie on the quick answer. The quick answer, Frank, though,
is no, there is no place I can go to
look and find out.

Speaker 7 (57:11):
But let's find out. Let's find out how you would
start trying to find out. Does that make sense?

Speaker 10 (57:19):
Yes, that makes sense.

Speaker 7 (57:20):
Yeah, Hold on a second.

Speaker 6 (57:22):
The money, But do you think do you think your
siblings are putting the screws to you?

Speaker 10 (57:28):
Well, see, the thing is that even though there I'm
the youngest, I'm the most successful, you know, so I've
got a lot of stuff and properties, et cetera. So
they probably figured he doesn't need it.

Speaker 7 (57:44):
So you think you're putting the screws to you? Or
do you think, let's.

Speaker 6 (57:47):
Say there was money, I don't care if it's life insurance,
some form of asset. I'm curious and answer this honestly,
It's got really nothing to do with your question, which
we'll get into. But do you think maybe your mom
cut you out or do you think if there was
an asset, your siblings are just taking it and cutting.

Speaker 10 (58:04):
You out right because they said there was nothing.

Speaker 7 (58:11):
And if you're the most successful.

Speaker 6 (58:12):
Out of curiosity, why would they offer you a couple
hundred bucks and you said for gas money.

Speaker 10 (58:20):
Because that's what they said. They said, there was no
way on of it's here. This will help you, you know,
buy a sandwich. Okay, right, And I'm fine with that.

Speaker 7 (58:29):
But but you're the most successful in the family.

Speaker 10 (58:34):
I think so, just as far as maybe equal maybe
equal me and my brother.

Speaker 7 (58:40):
Okay, hold tight, hold tight.

Speaker 6 (58:41):
We're going to try to get Daan McKenzie on Robert.
We're trying to get through to them. In fact, I
might have I got a secondary option, Dmitri off Air.
I would like you go find out if Kelly got
through to them the second time. Call Shamrock. Really listen.
I don't want to low this company up. What I

(59:01):
just want to understand, Suzanne. Did you get a number
from our guy?

Speaker 7 (59:05):
What did he say? Roughly one thousand?

Speaker 6 (59:08):
So those plans cost about a thousand bucks, and that's
from an industry insider. They're saying, hey, we'll just charge
you seven thousand, five hundred or whatever.

Speaker 7 (59:16):
Robert said half of it, you know, a thousand bucks.

Speaker 6 (59:19):
I would find fair whatever their hard cost is, and
that's fine. But to charge him this money with the
contract that bs I just don't agree with. So would
you see where you can figure out I did.

Speaker 7 (59:31):
Talk to them. What they say, Kelly, he was not
willing to come on. Okay, did he give you? Did
you ask for any of the information?

Speaker 20 (59:41):
Though now he is very aware of the person okay
of Roberts. Yeah, and he basically turned the entire thing
back on him and said he was not contacting him
back about the issue.

Speaker 6 (59:57):
Oh, hold on a second, I got to take a break.
But Robert, when's the last time who was that that
you talk to?

Speaker 7 (01:00:02):
Kelly?

Speaker 6 (01:00:02):
What's the name Jacob? When's the last time you talked
to Jacob? Jacob saying you have not contacted them?

Speaker 16 (01:00:10):
We didn't talk.

Speaker 22 (01:00:11):
We were emailing back and forth.

Speaker 6 (01:00:13):
Hey, do me a favor, Robert. I want you to
call Jacob right now. I have to go to a break.
I want you to call Jacob then call us back.
I want you to do that right now before we
go any further, because Jacob's saying he wants to talk.

Speaker 7 (01:00:27):
To you about it. He's waiting for your call. And
Frank Manny, Mike hold tight.

Speaker 15 (01:00:35):
Go with a sure thing.

Speaker 21 (01:00:36):
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a cent until you're content. Time for an insurance checkup free,
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Speaker 7 (01:00:55):
Help.

Speaker 21 (01:00:55):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance. Three oh three nine two zero
sixteen twenty two.

Speaker 6 (01:01:07):
All right, three three seven one three eight two five five.
Jacob is calling or I'm sorry, Shamrock Jacob the guy
that sold this guy the still building Roberts still Building.
They're gonna call each other right now and then we're
gonna get an update on that. And I'm very curious
where that goes. But real quick, we got one line
open three oh three seven one three eight two five five.

(01:01:30):
By the way, this hour brought to you by Frank Duran,
the real estate man Frank Duran dot Frank Duran Holmes
dot com. Frank sold our house in Castle Rock and
got us more for that house than the same model
in the entire neighborhood. And it was called it's called
red Hawk, and he just did a great job. He's
got the secret sauce. He sells more homes. Listen to this,

(01:01:51):
more homes in one month than most realators in Colorado
selling one year. Think about that most realators sell I
think maybe it's thirteen. You know, he's way past one
hundred a year. It's incredible. Sells more, makes you more money.
Frank drand homes dot Com. Mike, what's your comment on
steel buildings?

Speaker 13 (01:02:14):
Are you talking to me? Mark?

Speaker 7 (01:02:16):
Yeah? Mike, what's up?

Speaker 16 (01:02:17):
Man?

Speaker 15 (01:02:17):
Oh?

Speaker 13 (01:02:17):
Yeah, okay, Hey, you know what. I've been building these
things for forty years.

Speaker 3 (01:02:22):
Wow, and you know, and I do other stuff.

Speaker 6 (01:02:26):
But anyway, where do you generally buy them? Where do
you get the actual what factory do you use?

Speaker 11 (01:02:35):
Well?

Speaker 13 (01:02:35):
Actually, you can usually order all your stuff yourself, either.

Speaker 24 (01:02:39):
Through a home depot.

Speaker 13 (01:02:40):
Used to use them woods.

Speaker 6 (01:02:42):
Oh yeah, but I mean you're talking I got it.
But you're talking smaller buildings. I mean you're not talking
a four hundred by eight hundred steel building through home depot.

Speaker 13 (01:02:51):
No, no, no, no. But see here's what happened, and
I guarantee this is what happened. He ordered a metal building.

Speaker 10 (01:03:00):
Yeah, and the.

Speaker 13 (01:03:00):
Fellow from Cleary who Cleary builds pole barns. Polebarns usually
have wood posts and everything else that would framing. But
it's still considered a metal building by Cleary because most
people look at the outside and going, look, it's all metal.
And if Robert went around pricing out all steel buildings,

(01:03:22):
Safer Heritage or some of these other outfits, he was
probably went, Wow, these are expensive, and then he went
to Cleary, who's a budget builder.

Speaker 7 (01:03:32):
I don't know. Well, first of all, Clear clear clearly
is not a budget builder. But I do agree if
you go look him up. I mean it says wood frame.

Speaker 6 (01:03:41):
But remember he actually bought it from a company named Shamrock,
who just happens to be a Cleary dealer.

Speaker 21 (01:03:49):
Oh.

Speaker 13 (01:03:49):
I'm not saying anybody in here is an angel on
this thing. I'm just saying there was a lot of
assunctions made, and I kind of think that, you know,
the sham Rock bell, it wasn't trying to pull one
over to him. It was a metal building. Robert, on
the other hand, was going, I'm saying metal and he's
thinking all metal.

Speaker 6 (01:04:10):
Well, when I bought mine, I wanted all metal. I
didn't why would someone buy a metal building that's held
up by stick.

Speaker 2 (01:04:18):
Why, hey, I can shed some light on that.

Speaker 7 (01:04:22):
Go ahead, hold on, hold on, go ahead.

Speaker 2 (01:04:25):
Maitre guys.

Speaker 19 (01:04:25):
I've been looking at Shamrock Building's website, and right there
on the landing page it says exclusive cleary post frame building, pole,
barn and residential constructor. It looks like the so exclusively
cleary stuff. I've looked at about a dozen photographs of
their buildings, and I've looked at many many pages on
their website. There is absolutely nothing here calling these buildings

(01:04:48):
steel buildings. In fact, one of the buildings under construction
photos that I looked at is clearly wooden frame structure.
I can't find anything here on their website where they
hold themselves out to be dealers or constructors of steel buildings.
So and I agree with you, Mark, The contract sounds

(01:05:08):
extremely ambiguous, right, and I don't think that anybody can
infer from that contract that it's going to be an
all steel building, especially since all parties have an opportunity
to even check out the website.

Speaker 6 (01:05:21):
What I'm staring at here says cleary building court buildings
use steel panels for roofing and siding, even though the
structural frame is made of wood, and that's exactly what
you're seeing.

Speaker 19 (01:05:32):
I think our caller just went to the wrong dealer.
He wanted to buy a steel.

Speaker 6 (01:05:36):
He actually these people told him it was the steel,
so okay. Then this guy says he's an expert on it.
We had an expert on how do you define steel building?
If I go to the General and buy a steel building?
How does that come?

Speaker 7 (01:05:50):
Mike?

Speaker 13 (01:05:52):
Oh? When you find from the General you're buying a
kit that's delivered.

Speaker 6 (01:05:56):
Okay, okay, fine, I'm buying a kit that's delivered. Is
it all or is there wood.

Speaker 23 (01:06:01):
In the kit?

Speaker 13 (01:06:02):
It's always all steel? Okay, somebody like that?

Speaker 6 (01:06:05):
And then Great Western, who I bought mine from, is
all steel. So how does someone I guess we're trying
to blame the caller now. But my assumption is, especially
because we got hung up on three or four times.
Although I don't know if it was the best tactic
ever used, I just I wonder I wish I was

(01:06:25):
there for the conversation.

Speaker 7 (01:06:26):
How's that?

Speaker 2 (01:06:28):
Well?

Speaker 3 (01:06:29):
Yo?

Speaker 7 (01:06:29):
I honestly, the fact, Mike, I understand what you're saying.

Speaker 6 (01:06:34):
You think he got four or five quotes, and those
four or five quotes were all steel buildings from whomever,
and they came in and let's just make numbers up
one hundred thousand. He calls up Shamrock and basically he
gets a quote of eighty one thousand. Okay, that's fine,
But I still say, the guy thought it was all steel.

Speaker 19 (01:06:53):
Yeah, he thought that, And it sounds like he didn't
specify that in the contract. So the caller does bear
some responsibility in this matter. And I wasn't there for
the conversation between the caller and the salesman at the
time they signed the contract. But I can see just
based on very very clearly what it says on Shamrocks
and Shamrock.

Speaker 6 (01:07:13):
So I'm gonna look at that over the break. Everybody
hold on, I got to take this break. Shannon yelling
at me, Uh, thank you Mike for that call.

Speaker 7 (01:07:19):
I minute, thank you.

Speaker 21 (01:07:23):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one.

Speaker 7 (01:07:43):
Help.

Speaker 21 (01:07:44):
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 6 (01:07:56):
All right, three oh three seven one three eight two
five five. I'm gonna bring Robert back up real quick. Robert,
you were not able to get a hold of Jacob
over at Shamrock. Yeah your name? No, okay, No, I
got to ask you something though. Man Dimitri pointed something
out to me.

Speaker 7 (01:08:13):
If you go to their website, it is obvious that
all they do is Cleary Buildings.

Speaker 6 (01:08:19):
In fact, I even went to the wayback machine and
went to twenty twenty one and even back then, what
does it say on their front of their website?

Speaker 2 (01:08:31):
Well, uh, currently it says.

Speaker 7 (01:08:32):
Just hold on, Robert, dammit, hold on.

Speaker 19 (01:08:35):
It says that they're exclusively a Cleary dealer.

Speaker 7 (01:08:39):
Yeah, what else? Keep going?

Speaker 2 (01:08:40):
Exclusive?

Speaker 19 (01:08:40):
Cleary, post frame buildings, Comma, pole bar in Comma, and
residential constructor.

Speaker 7 (01:08:45):
And that's all Cleary does is post bar.

Speaker 19 (01:08:47):
And I snooped all over their website and the words
steel building never ever appear here.

Speaker 2 (01:08:53):
From what I've seen.

Speaker 19 (01:08:55):
Furthermore, I clicked a tab called our work and they're
probably about fifteen photos of what they are built, what
they're building, and.

Speaker 7 (01:09:03):
They start with would.

Speaker 19 (01:09:04):
One of them is work in progress and it's just
in framing stage, and all it is is Woulden frame.

Speaker 6 (01:09:10):
And if all they do is Cleary Buildings, that's what
Cleary does in their kits is WOULD. So I guess
I'm asking you now, why did you think you were
getting a still building. I still hate the way their
contract reads, and I hate the fact they're trying to
charge you more, and I hate the fact that you
left there with not what they were describing to you,

(01:09:32):
at least from what you've told us. But did you
not even go to their website?

Speaker 22 (01:09:38):
I thought it's going to be a metal building.

Speaker 12 (01:09:41):
What I realize I believe them.

Speaker 7 (01:09:44):
I truly believe the caller.

Speaker 2 (01:09:46):
What did you say you were about to realize later?

Speaker 22 (01:09:50):
I only realized when I got the plan.

Speaker 6 (01:09:55):
Yeah, yeah, And you contacted them right away and said
I want this to Metri.

Speaker 7 (01:10:00):
Here's hold on, Robert.

Speaker 6 (01:10:01):
I'm pretty much on air until we get something from
Cleary or from I'm sorry, Shamrock Buildings, and for Collins,
just call him up. Talk to him. You know you're
good at this. Call him up and see if they'll
at least go down and give him a little more
of a refund the second he got the plans.

Speaker 7 (01:10:19):
It took him six months to get the plans.

Speaker 6 (01:10:21):
You know, if they keep a thousand or two thousand,
that's fine, but to keep seven five hundred. I truly
believe the guy when he says he thought it was
a metal building.

Speaker 2 (01:10:31):
Yeah. I agree.

Speaker 19 (01:10:32):
And by the way, we have a gentleman named Matt
who was a witness to the deal.

Speaker 7 (01:10:36):
Correct.

Speaker 20 (01:10:36):
Yes, And by the way, hold on, hold on, we've
got music here, We've got a lot more.

Speaker 6 (01:10:41):
I'm not turning this in to the metal building hour
though we've got four other calls. Let's call him and
we'll update that. Tell Matt I will talk to him,
though I do want to hear that.

Speaker 20 (01:10:51):
I did want to tell you that I called them
for a fifth time and they did hang up on him.

Speaker 21 (01:10:56):
All right, Go with a sure thing Denver's Best roofer
Excel roofing dot com.

Speaker 15 (01:11:07):
You don't pay a cent until you're content.

Speaker 21 (01:11:10):
Leave time for an insurance check up, free no obligation
comparison call Compass insurance paying too much your coverage at
dozens of insurance companies. Find out now three oh three
seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (01:11:38):
Rid you need advice, you don't.

Speaker 15 (01:11:43):
Have run anxiousness as we can show.

Speaker 4 (01:11:49):
Shooter's gonna help come.

Speaker 5 (01:11:52):
Man is the Troubleshooter Show Now, Tom Martinez.

Speaker 7 (01:11:57):
Welcome my friends to the only.

Speaker 15 (01:11:58):
Show of it's kind.

Speaker 6 (01:11:59):
We're here to all problems, create a little chaos and
help you out to the tune of over three hundred
million dollars cash, merchandise exchanges refunds. Got some great guests
in studio. We haven't spent a lot of time, but
really important information. You know Mark Schamansky, Matt Stanford. Matt
is with Paragon Services, and let me tell you what

(01:12:20):
he does real quick insurance companies. When you have a claim,
they send out an adjuster, and the adjusters always do adjust.
They tend to adjust whatever it costs to fix or
what's insured down. I've yet to see an adjuster adjust
up in almost any claim, you need someone on your side,
and that's Matt.

Speaker 7 (01:12:40):
And I'm not going to go into the details because
I have in the past, but basically, I've had two
times with my own insurance company, one of them being Safeco.
Do you remember the other company it was?

Speaker 25 (01:12:51):
It was all it was a California company, California Casualty
or something like that.

Speaker 7 (01:12:56):
That was the first claim.

Speaker 6 (01:12:58):
Both homeowners both times said I no damage. I got
Matt involved. One time over eighty thousand. In this last time,
uh thirty six thirty seven somewhere around there, almost forty thousand.
So think about that. Both times the insurance company said nothing.
The big one, I'm looking at all my neighbors getting
new roofs and I'm going, how do I have no damage?

(01:13:18):
But like half of frank Town's getting new roofs. So
Matt came out and he sprinkled his magic fairy dust
and I got a check.

Speaker 7 (01:13:27):
So it's pretty incredible. Matt.

Speaker 6 (01:13:30):
What's the biggest one you've done? The one I always
think of was a Boulder fire right. I always want
to say it was a furniture store, but it wasn't.

Speaker 7 (01:13:38):
It was like, oh, big laboratory.

Speaker 25 (01:13:40):
Yeah, I wish I could remember how many square feet,
But anyway, it was Liberty Mutual and they did they
offer him they sixty thousand up front to clean sixty.

Speaker 7 (01:13:48):
Thousand dollars Mark.

Speaker 6 (01:13:50):
Can you imagine this that your insurance company goes sixty thousand.
Why did they reach out to you? Did they just
think the sixty thousand was outrageous or what?

Speaker 25 (01:13:59):
Yeah, that's it was by some kind of trust in
California and they looked at the number. We can't even
get anyone to show up for that. And it's smoke damage, right,
so you can't just spun that.

Speaker 7 (01:14:07):
That's hard to deal with.

Speaker 25 (01:14:08):
It is and they have all this laboratory equipment and
tunnels going through and so anyway, after it was a
year long fight, how much six million?

Speaker 7 (01:14:17):
Think about that?

Speaker 6 (01:14:20):
Yeah, I mean that's like that's like a trifecta in
horse racing odds. I mean, think of that, sixty thousand,
just six million dollars.

Speaker 7 (01:14:28):
I want one of those of a year. That'd be nice.
That would be nice.

Speaker 6 (01:14:31):
In fact, there's a lot of public adjusters that only
do those right.

Speaker 7 (01:14:36):
Right, But you'll go out and do.

Speaker 6 (01:14:38):
A lot of stuff, play clean up for people, and
you pay Matt a percentage of the whole job. If
you get involved like kind of roof claim in the beginning,
what is typically your percentage?

Speaker 7 (01:14:47):
It's it's always ten percent.

Speaker 25 (01:14:49):
So if I'm stepping in it at the beginning, you
know it's going to be ten percent for running the
claim for you. And that's the easiest, cleanest way to
do it. If I have to retroactively mop up something
that's been denied or under paced, more, it's going to
cost more and it's going to be difficult and take longer.

Speaker 7 (01:15:03):
Yes, so think about this.

Speaker 6 (01:15:05):
Would you rather have pay someone ten thousand dollars on
one hundred thousand dollars claim or would you rather the
insurance company give you forty thousand? So would you rather
have ninety thousand or would you rather have forty It's
a pretty simple answer no matter how you look.

Speaker 25 (01:15:20):
At it, And I take all the headache away from you.
You know, you sit back, let me do my job,
and you get money in the mailbox.

Speaker 7 (01:15:25):
But if you think you did get ripped off, I'll
give you a big one. We had.

Speaker 6 (01:15:30):
We had a lady with the skylight issue and basically
they offered her I want to say six or eight
hundred dollars after her deductible, so they were going to
give her a total of like eighteen hundred dollars minus
one thousand dollars deductible. They basically cut her a check
for eight hundred and you ended up getting like sixty

(01:15:51):
seventy maybe one hundred thousand dollars.

Speaker 7 (01:15:54):
I mean, it was an.

Speaker 6 (01:15:55):
Absurd difference no matter how you look at it. But
the examples are crazy. And that's what Matt does. Then
Mark Schamansky, his his people are actually at my house
right now. Omar painted my house on the exterior five God,
I lose track time five plus years ago.

Speaker 8 (01:16:12):
I think around five years ago.

Speaker 6 (01:16:13):
It still looks brand new, Mark, It's it's incredible. And
they do way more than paint. They do siding, they.

Speaker 7 (01:16:18):
Do stucco, they do decks, they do fences, they do
basement remodels.

Speaker 6 (01:16:23):
I saw that beautiful detached garage you did. I think
it was somewhere around Golden A gorgeous project. I mean
you built that from the that was up sat a
kit or you put it together and design together.

Speaker 8 (01:16:35):
But you know, we don't do a lot of ground up,
but we do occasionally.

Speaker 6 (01:16:38):
And then how about like additions onto a house. Is
that considered ground up?

Speaker 9 (01:16:43):
Yes, our additions, you know, I shy away from that.
That's not as much of our thing. We'd rather remodel
what you got, you.

Speaker 7 (01:16:48):
Know, basement decks, yellow bathrooms.

Speaker 8 (01:16:51):
Basements, roofs, roofs. I mean, Matt and I obviously worked
together a lot.

Speaker 6 (01:16:56):
You guys work big time in fact, because you come
in you've got to out of a good contractor that
can come in and actually go Okay, well that's gonna
cost this much. You figure out, Matt where the coverage
is right.

Speaker 25 (01:17:08):
And that's why Mark Shamansky and I we make such
a good team because the first question I asked people
is do you have a contractor? And most of them
say no, And who do you recommend? And being in
this business long enough, I've vetted all the contractors.

Speaker 21 (01:17:21):
I know.

Speaker 7 (01:17:21):
You know, Genesis is great. So it's a one two punch.

Speaker 25 (01:17:25):
I take care of the background, and then Shamansky and
his team going.

Speaker 7 (01:17:28):
A pretty big size job.

Speaker 6 (01:17:30):
I mean, there's there are certain times where you can absorb.

Speaker 7 (01:17:33):
Some of that cost of that that.

Speaker 6 (01:17:36):
Percentage right, yeah, So I mean a lot of times,
in other words, they're getting a fully covered deal.

Speaker 25 (01:17:42):
Yeah, most of the time with our team, they're really
only responsible for their deductible.

Speaker 6 (01:17:46):
And a lot of people don't realize. And we've got
an expert of Dan, I'm gonna come to you in
a second. We've got Frank with a question.

Speaker 7 (01:17:53):
But a lot of people don't realize.

Speaker 6 (01:17:54):
For example, if they have multiple things wrong with their house.
So let's say it's a hailstorm and they have sighting damage, mark,
they have roof damage, and they have deck damage, but
they could even have landscaping damage. There's a clause in
most homeowners' policies where there's ten percent overhead in profit
paid out crypt there's a general contract.

Speaker 9 (01:18:17):
Ten percent overhead, ten percent profit and so and then
that's kind of how Matt gets paid out of these.

Speaker 7 (01:18:23):
That's what I'm saying.

Speaker 6 (01:18:23):
And so really, even though they're paying you ten percent,
they're really not paying you.

Speaker 25 (01:18:28):
Ten much as I got the overheaded profit included. And
there you go, there's the fluff to cover it.

Speaker 6 (01:18:33):
There's the fluff to coverage. So I just want people
to kind of understand how that works. So you use
these guys going into it.

Speaker 7 (01:18:39):
So when the.

Speaker 6 (01:18:39):
Hailheads, that's what you do. First, you got to make
sure you have damage. Do not call your homeowners after
a hailstorm. You call either Mark over here. He can
come out see if there's damage. If there is, he'll
get Matt involved to deal with the insurance side of it.
And they're going to optimize that claim. That's the best
way to put it. They're going to optimize it, or

(01:19:00):
in my case, they literally got it paid. Hey, Dan mackenzie,
I've got to ask you something. Frank called up. He
thinks his siblings are putting the okie doke on him.
They're in New Mexico. I assume he's in Colorado. The
mother passed away about a year ago. Okay, he's in Wyoming,
doc So the mother passed away about a year ago,

(01:19:21):
and he thinks there was possibly life insurance. I'm not
sure why he thinks that, but he thinks they're keeping
it all. And let's say let's say someone has life
insurance but never even tells anybody.

Speaker 7 (01:19:35):
Maybe they got it through work.

Speaker 6 (01:19:37):
What ultimately happens does the insurance company eventually have to
turn it over to the state and the state tries
to track you down.

Speaker 7 (01:19:47):
So two different scenarios.

Speaker 6 (01:19:48):
One, how does Frank find out if his mother had
a life insurance policy, that's his question.

Speaker 24 (01:19:55):
I mean that is tricky because they're obviously really incentivized
to go out and figure out if their insured party
has died.

Speaker 12 (01:20:03):
There are a lot.

Speaker 24 (01:20:03):
Of unclaimed policies out there, Frankly, so I mean, you
got to do some groundwork. I mean, it's unfortunate if
the family's not talking to him because that obviously would
be a source of information. And I don't know what
he's done if he specifically asked them or not, and
they specifically denied it.

Speaker 6 (01:20:20):
Hey, frank did you ask them if there was a
life insurance policy?

Speaker 21 (01:20:24):
Yes?

Speaker 16 (01:20:25):
Yeah, they said there was, I think like five grand.

Speaker 10 (01:20:29):
It was something, and they gave you a couple of
hundred books.

Speaker 7 (01:20:31):
So they gave him.

Speaker 6 (01:20:32):
A couple hundred bucks, you know, didn't show him the
will or anything, and said there was a five thousand.
That sounds like the one you buy on a late
night TV for everybody's qualified, even if you're one hundred
and forty for twenty bucks a month, man.

Speaker 24 (01:20:46):
I mean, if he was a name beneficiar in that policy,
they would have made a checkout to him. So it's
weird that it would go to the family and somehow
they would have.

Speaker 6 (01:20:55):
How did they pay you, Frank, They just gave you
some cash. So if you were him and you really
thought something nefarious was going on, where would you start a.

Speaker 13 (01:21:10):
Boy?

Speaker 24 (01:21:11):
I mean, it really is a tricky question. I guess
if they're not willing to answer, who was this policy through?
And again, I mean I think if if he was
a named beneficiar in the policy, they would have written
a check to him and the family could not have
cashed it. It would have had to give him a check.

Speaker 7 (01:21:28):
Well, that's go ahead, Frank.

Speaker 10 (01:21:32):
Here's where the tricky Here's where the tricky part. It
wasn't really just a good feeling. It's just that there
is a house that's paid for it. And I keep saying, hey,
aren't you guys gonna put that on paper because if
you have.

Speaker 6 (01:21:46):
So, let's let's just rephrase it to you. Dan, he
thinks he's getting once again screwed or oki.

Speaker 3 (01:21:51):
Dope.

Speaker 7 (01:21:53):
That's where I started this.

Speaker 24 (01:21:55):
If there's a house, then that probate has to be opened.
There's no way to transce that house without approbate. He
can open it. He is an interested party, like he
does not have to wait for them to open this probate,
you should you should?

Speaker 6 (01:22:07):
Well, we say that, we say that, Dan, like like
Frank's going to figure out how to do that. What
you're really saying is Frank needs to hire an attorney.
And because this is in Wyoming or wherever he does,
he need to hire an attorney in that state.

Speaker 24 (01:22:21):
Yeah, I mean, where the hellse New Mexico where the
probate is going to happen.

Speaker 6 (01:22:25):
Yeah, yep, I don't care if it's Hawaii. He's got
to hire an attorney there.

Speaker 10 (01:22:31):
Yeah, right, right on. Well, I think that's that's it.
It's it's really just suspicion, you know, feeling by the
way Mark you kicked but and I used to hate you.

Speaker 15 (01:22:42):
Well, I'll be Dan.

Speaker 10 (01:22:44):
I think Tom Tom got soft in his in his age.

Speaker 6 (01:22:48):
Yeah, well Tom's we need Tom's doing. I appreciate that.
I'm going to put you on the wold dough. Hey, Dan,
I appreciate you coming on as always. I wanted to
ask you something else, something you taught me. God yours
a go. If something's in a trust though, and I
think I'm being cut out of a trust.

Speaker 7 (01:23:06):
Trust aren't public record at all? Correct?

Speaker 6 (01:23:09):
Yeah, So the only way is really to hire an
attorney and petition the court to look into the estate.
I mean, if someone really thinks they were cut out
of a trust or the siblings or whoever's getting all
the money, and the trustee doesn't want to talk to you,
I mean, really, what are your options?

Speaker 24 (01:23:31):
Yeah, I mean you might need to file a lawsuits actually,
not even a probate case, because it's really like, once
things are in a trust or not necessarily under the
jurisdiction of the probate court, that can be a little
bit of a tricky decision to make as far as
whether you're opening a probate case or filing a lawsuit.
But yeah, it might take court action. That is one
of the benefits of trust. Actually, if you are cutting

(01:23:51):
someone out, it makes it a heck of a lot
harder for them to figure out to exactly what's going
on and challenge it. So, you know, sometimes we want
to accomplished that.

Speaker 6 (01:24:01):
If somebody passes away along the same thing, Let's say
that caller right there, there's a house involved. Let's say
it wasn't the mother's name that passed away, nothing was
owed on it. It's worth whatever, five hundred thousand, and
if she didn't have a will, but she had four
kids and the husband has already passed away the four

(01:24:21):
kids without, without a will at all or a trust,
the four kids would each get twenty five percent, right, It.

Speaker 24 (01:24:29):
Seems like that would be the answer. It depends on
New Mexico. A lot of that seems like it's almost
definitely the answer.

Speaker 15 (01:24:35):
Yeah.

Speaker 7 (01:24:35):
In Colorado it would definitely.

Speaker 8 (01:24:37):
Be the answer.

Speaker 6 (01:24:37):
You're saying, Yeah, so I think he might have something there.
I mean, as crazy as it sounds, he probably should
at this point reach out to an attorney in New
Mexico and just starts snooping.

Speaker 3 (01:24:53):
Yeah.

Speaker 24 (01:24:54):
I mean, if there's a house like that's all the
ownership is public record. You can get that dage from
a clerk or barter's office. And like I said, there's
no way to transfer house without a probate case.

Speaker 7 (01:25:05):
I just can't do it.

Speaker 24 (01:25:07):
That unless there's a beneficiary date. I don't know if
New Mexico has those like Colorado does, but that would
be public accord too, So there are easy ways to
figure out what's going on if there's a house insurance policy.

Speaker 10 (01:25:20):
Not so much all.

Speaker 6 (01:25:21):
Right, Listen, Dan McKenzie, I always say this, he is
a wealth of information, whether you have will and you've
had kids since, or now you have assets and you're
wondering do I need to trust?

Speaker 7 (01:25:32):
Maybe you've got.

Speaker 6 (01:25:33):
Parents that are aging into their eighties and you might
start thinking about protecting some of their assets from say
the medicaid system, if they ever have to go into
long term How about asset protection in general. This is
the guy, Dan McKenzie. I do appreciate you coming on
as always. You can find Dan at eight three three

(01:25:57):
co Plans eight three three co plan or cooplans dot co.

Speaker 7 (01:26:03):
You're gonna love this guy.

Speaker 6 (01:26:03):
Everybody holds tight Manny Matt Troy your next Matt's got
a comment on No. Matt apparently is a witness, a
witness to Shamrock. If you've been following the show today
Shamrock telling the caller that it's a metal building, all metal,
We're gonna hear from him first.

Speaker 21 (01:26:22):
After this, go with a sure thing Denver's Best roofer
Excel Roofing dot com.

Speaker 15 (01:26:32):
You don't pay a cent until you're content than.

Speaker 21 (01:26:37):
Time for an insurance check up free no obligation comparison
call compass insurance paying too much your coverage at dozens
of insurance companies find Out Now three oh three, seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 6 (01:27:00):
Three three seven one three eight two five five. By
the way, I want to tell you about a gridge
door company.

Speaker 7 (01:27:07):
There was a.

Speaker 6 (01:27:07):
Big, big, big, big, big, big, big, big lot of
money that came in and bought up a lot of
the little guys. And you think you're dealing with uh
one company that maybe had been around Colorado for a
long time, while you're not. You're dealing with a conglomerate
that owns about ten different companies.

Speaker 7 (01:27:25):
So the people that we like, the people that we use.

Speaker 6 (01:27:28):
One clear choice Doors dot Com and these guys have
show rooms up and down the front range.

Speaker 7 (01:27:33):
If you're looking.

Speaker 6 (01:27:34):
For either a new garage door of course, and it
doesn't matter what kind, or a new opener. They're a
great company. Chappie started it. He's a marine, and he
runs it very well, and you'll get good pricing and
they can come out and do a tune up, install
a new door. They did a couple openers for US,
but one clear choice doors dot Com. Now Manny has

(01:27:58):
been holding forever. But real quick, Manny, Matt, what is
your comment? You said you were a witness to the
steel building deal. Were you there and what did they say?
And to recap real quick, we had a caller up Robert.
Robert bought a steel building, or he thought he was
from a company called Shamrock Buildings in Fort Collins. When
they sent him the plans for the building, the engineered

(01:28:21):
wet stamp plans for the building. There was wood involved.
The polls were wood, and he said, I.

Speaker 7 (01:28:27):
Don't want wood. I wanted the all steal we talked about.
They came back and said that's going to be twenty
thousand dollars more and he said, no, I don't want
to spend any more money. Give me my money back
to fifteen thousand dollars I put down. They offered him
half back because they claim they have seven thousand whatever
it is in engineering fees involved, so they're willing to

(01:28:49):
offer him half back. Matt, you were there, what did
they say?

Speaker 16 (01:28:53):
Hey, when we were walking around the yard, he showed
him what the dimensions he wanted and he said.

Speaker 11 (01:28:59):
I all medal.

Speaker 16 (01:29:01):
I won an all medal, and we went over to
the old card board, which is rotting, and he said,
this is the reason I don't want Would I want
all metal? And the salesman said, I understand, I understand.
He never said it was.

Speaker 12 (01:29:15):
A pull bar, and he.

Speaker 16 (01:29:16):
Never said there was gonna be wood. He said. Robert said, O, no,
I want all medal because I do not want.

Speaker 13 (01:29:23):
It to rot.

Speaker 6 (01:29:25):
My god, you know what, Listen, I've got a pretty
good gut for this stuff. And I'm telling you right now,
do you know, Matt and I don't want to spend
forever on this. We've were working on it. Dmitri's on
it in the background. But do you know if that
salesperson is still with the company.

Speaker 16 (01:29:44):
My understanding is that he either quit or got fired
pretty much after this.

Speaker 6 (01:29:50):
I wonder do we have a way he took no notes,
that's Matt, that's fine, Matt, Matt, I get that. I
wonder if we have a way of commune in dedicating
and finding out this salesperson. And I'm not saying right now, Matt,
for you to come up with it, but it would
be interesting if, let's say he did get fired. If

(01:30:10):
you contacted him somehow, and he said, yes, I know
the guy wanted all steal. Then we've got these guys
where we want them. But you know, once again, I
think it's fair if he paid for the plans. But Matt,
I appreciate you calling in like that. I'm going to
put you on hold. I want to make sure Dmitri's
got your info. Okay, all right, And you were right there.

Speaker 12 (01:30:34):
I was right there.

Speaker 26 (01:30:35):
We were walking on and his.

Speaker 7 (01:30:36):
Old one, his old one was would his old car
port and it was rotting.

Speaker 16 (01:30:42):
Yes, that's the whole reason.

Speaker 7 (01:30:44):
The story comes together. The story.

Speaker 6 (01:30:46):
Listen, man, I can only report both sides, and the
only sides I'm hearing is one the other side doesn't
want to come on the air. Shamrock buildings. Even if
you don't want to come on the air, they're listening
at this point. I guarantee their at this point. So
I'm going to talk to you, and I'm going to
talk to your attorneys real quick. Over the year one,
I can have an opinion, and in my opinion, you

(01:31:08):
should not be keeping seventy five hundred dollars.

Speaker 7 (01:31:10):
In my opinion, I believe this guy. I believe not
only his witness Matt, but the caller I believe they
wanted in all steel building. In fact, I'd like to
see a picture. Tell Matt, I'd like to see a
picture of his old car port with rotting wood if
he actually had it, Because man, does that lace his

(01:31:31):
story up beautifully.

Speaker 19 (01:31:32):
Yeah, this changes everything, And it would be great if
somebody retained that salesman's business card. So frequently those will
have a personal cell number on them, so he will
make it a lot easier for us to get a
hold of the sales room.

Speaker 6 (01:31:43):
Well, I got the hound dog on it over here, man,
but that could be used different ways. You could either
be a woman chaser or you know, you're good at
sniffing stuff out. I'm just going to leave that conversation
where it went. Dimitri's on it, make sure we got
match information, and then, man, you've been holding forever one
line open three oh three Martino three three seven two

(01:32:06):
five five. First of all, manny, I really appreciate your holding.
What is the issue with plumbing? And then like it
or not, I'm gonna have to put you back on hold.
But that gives me time to contemplate where we're going
with this.

Speaker 17 (01:32:19):
Okay, sounds good. So issue with plumbing. My water heater
went out. It's in our basement of our home. Called
the plumbing company. They came out, replaced the water heater.
The tech that replaced the water heater drained the old

(01:32:40):
water heater into our discharge shoot for our washer and
took our discharge tube out of the drain. But his
then water, Oh did not replace the drain or are what.

Speaker 7 (01:33:01):
Did it flood? What did it flood? Manny?

Speaker 17 (01:33:04):
It flooded my laundry rope?

Speaker 7 (01:33:07):
And how much damage? Just the number right now?

Speaker 17 (01:33:11):
So uh like no, wait.

Speaker 6 (01:33:15):
Wait, manny, hold on, This is where I'm going to
end up putting you on hold. But how much damage
are we talking about the flood cause.

Speaker 17 (01:33:24):
It's probably in the two three dollars range?

Speaker 7 (01:33:28):
All right, hold on, hold on.

Speaker 6 (01:33:29):
I want to know who the company was, whether or
not they acknowledged it, and then a lot more questions.

Speaker 7 (01:33:36):
This is crazy.

Speaker 21 (01:33:37):
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you're content. Time for an insurance check up free, no obligation.
In comparison, call compass insurance paying too much your coverage

(01:33:59):
a dozen of insurance companies find out now three all
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two all.

Speaker 7 (01:34:18):
Right, three oh three seven one three a two five five.

Speaker 6 (01:34:22):
In fact, if you go to our YouTube channel, did
you already post that link? SU's hand? Don't post that
link yet. I've got a better idea with that. I'm
not gonna do it. If you listen on YouTube, you
know what I'm talking about. But three oh three seven
one three eight two five five three zero three Martino,
by the way, fix it twenty four to seven. You
know how many sump pumps aren't working and you don't

(01:34:44):
even know they're not working until it's too late.

Speaker 7 (01:34:47):
And let me tell you something.

Speaker 6 (01:34:48):
If you have a finished basement or not, there is
things that if they get wet, including the dry wall
down there where they got to cut it out, replace it,
retape it, and paint it. And if you have carpet
or flooring, think about that headache. If you have not
had your sump pump checked in a while or cleaned.
More importantly, you got to call fix It twenty four

(01:35:09):
to seven. They're gonna come out for forty nine bucks.
You got to mention the show forty nine bucks. They're
gonna take it part. They're gonna clean it, they're gonna
pressure check it, make sure it works perfectly, and put
it back. The reason they do it they want to
introduce the company to you. They do plumbing, heating, cooling,
and electric and drain cleaning. They do all of that,
but they're giving you this deal. And if you go,

(01:35:30):
how do I know if I have a sumpump? Mark,
I'll tell you how. If you have a basement, you
probably have a sumpump. Check them out fixmihome dot com.
That offer is only good for like maybe the next week.
You don't have to have it done in the next week,
but you got to get it booked forty nine bucks.
Usually that's a couple hundred dollars. But I promise you

(01:35:51):
on this show, every single year we have people call
where there's some pump didn't work and they're flooded. Don't
let it happen to you.

Speaker 7 (01:36:00):
If you haven't checked it, fix Myhome dot Com call
him up, get it scheduled fix.

Speaker 6 (01:36:05):
Myhome dot Com. Now, Manny man, he's got a plumbing issue.
This one's crazy. So basically, you had a new water
heater put in. In order to do that, they got
to drain the other one. So most utility rooms, you're
going to have your water heater sitting there. He also
has his washer close by, and he's got basically two

(01:36:25):
pipes running into the drain. When they went to drain
the water heater, they removed the pipe from your washing machine, right, Manny.

Speaker 17 (01:36:36):
They removed the pipe from.

Speaker 7 (01:36:37):
The drain from your washing machine pipe. Ye, yes, so
they just set it aside. I get it.

Speaker 6 (01:36:45):
Then they then they got rid of the water heater
and they left. They never put the pipe from the
washing machine back in the drain, and they're the ones
that moved it. And then you ran a cycle and
you flooded, and all of a sudden you got a
two grand worth of damage. Right yeah, So what's the
big deal? Why aren't they fixing it? I mean, Mark

(01:37:07):
Schamansky genesism. Mark, you already knew what he was going
to say.

Speaker 8 (01:37:10):
As soon as the story started. I knew exactly what happened.

Speaker 7 (01:37:13):
What I'm dying to know is why wouldn't they fix it?

Speaker 12 (01:37:16):
Right?

Speaker 8 (01:37:17):
You should just go in there to take care of it.

Speaker 15 (01:37:18):
He should just fix it.

Speaker 17 (01:37:21):
So they are they aren't fixing it.

Speaker 27 (01:37:24):
The thing is, as I was trying to get, you know,
I've got I couldn't sleep in the room. I've got
seven fans and an air oh humidifier running for several days.

Speaker 7 (01:37:38):
Now.

Speaker 27 (01:37:38):
They sent over a.

Speaker 17 (01:37:42):
A what do you call them?

Speaker 7 (01:37:44):
Restoration company?

Speaker 17 (01:37:45):
He's the restoration company. He sucked out all of our
carpet and we have these fans drying everything out.

Speaker 6 (01:37:54):
Because the yeah, that's so far everything sounds. I'm telling you,
I'm actually happier telling me this. I you were going
to say they're doing nothing. So where does the concern
come in or what is your want?

Speaker 27 (01:38:06):
So I had contracted them, they paid.

Speaker 17 (01:38:09):
I paid fifteen.

Speaker 27 (01:38:11):
Dollars for them to do the job. And now I've
got to have all these fans running for days. I've
got to have a contractor come in and so.

Speaker 6 (01:38:20):
Manny, it's a parent, Manny, Manny, Manny, I just want
to cut to the chase.

Speaker 7 (01:38:24):
It's a parent.

Speaker 6 (01:38:25):
You're looking for a compensation for what and what is
the number?

Speaker 27 (01:38:31):
I'm just looking to get at least some of that
money back, not all of it.

Speaker 7 (01:38:35):
Or wait, wait, wait, waitit manny, I still don't understand
what money back for the actual heat are they installed.

Speaker 27 (01:38:46):
Not for the heater, for the labor?

Speaker 7 (01:38:48):
What labor did you pay?

Speaker 17 (01:38:51):
Fifteen hundred?

Speaker 15 (01:38:53):
You paid?

Speaker 6 (01:38:53):
Okay, hold on, Manny, I want to make sure I
understand your want. You paid what was the total for
the water heater parts? Late we total total job?

Speaker 27 (01:39:03):
Fifteen hundred? Bought the water heater?

Speaker 17 (01:39:07):
Yep, I bought the water heater.

Speaker 6 (01:39:09):
I see you bought the water heater. You think because
they created this chaos, even though they're doing the right
thing and cleaning it up, you're having to live with
the fans, the smell, and everything that goes along with it.

Speaker 7 (01:39:23):
You know, I've got my own.

Speaker 6 (01:39:24):
Thoughts on this, but I want to ask people here,
Mark Schamansky, Genesis Total Exteriors, what do you think? Honestly,
let's pretend I know you don't do water heaters, but
let's pretend this happens. Where are you at with this?

Speaker 8 (01:39:37):
I'd probably give them half half back half back?

Speaker 6 (01:39:40):
Now, Matt Paragon Services, you bring a unique position to
this because a lot of homeowners that you deal with
that have claims where they can't stay in the house.
A flood, maybe maybe a fire, smoke damage, anything like that.
Most homeowner policies actually cover living in a hotel. We're
living somewhere for a little bit while it's being done.

Speaker 7 (01:40:03):
What do you make of.

Speaker 25 (01:40:04):
This, Well, it doesn't sound like the home was completely inhabitable.

Speaker 7 (01:40:09):
I mean, are there multiple stories or is this? Yeah,
paint a picture of the house, Manny.

Speaker 2 (01:40:16):
Can you live?

Speaker 7 (01:40:17):
Wait? Wait, you are in the basement? You sleep in
the basement. Yes, well, that's weird. Explain that. I just
can't glance over there. Why is that.

Speaker 12 (01:40:30):
So?

Speaker 18 (01:40:31):
Uh?

Speaker 27 (01:40:31):
We have our bedroom in the basement. Right across from
our bedroom is the laundry room.

Speaker 6 (01:40:37):
And no, no, no, but why do you live in
your Why don't you live upstairs?

Speaker 7 (01:40:40):
Why don't you live on ground level?

Speaker 17 (01:40:42):
I don't, Yes, we do.

Speaker 27 (01:40:45):
We do live upstairs, but we sleep in our basement
with our bedroom.

Speaker 6 (01:40:49):
Okay, it's just cooler down there. I mean, I'm trying
to throw me a bone here.

Speaker 27 (01:40:52):
Why it's cooler down there, and it's the one of
the biggest rooms we have in our house.

Speaker 25 (01:40:58):
Okay, fair enough, Well, in that in that circumstance, I
mean you're these dehumidifiers and these air scrubbers are loud,
really loud. Yeah, and so while those are running, yeah,
I can see not wanting to stay there.

Speaker 7 (01:41:10):
How many days is it, Penn?

Speaker 17 (01:41:13):
It's been since Monday night.

Speaker 8 (01:41:17):
Yeah.

Speaker 25 (01:41:17):
And the mitigation company's gonna want to keep those fans
rolling because that's just money.

Speaker 7 (01:41:22):
How much?

Speaker 6 (01:41:22):
What a just guys, I don't know this. I mean
a decent a decent hotel room. I mean, it's never
going to replace your house because you have your kitchen.
What is the general expenditure per day or per diem?
Like two fifty a day?

Speaker 7 (01:41:36):
And I'm asking you, mad, I mean, what do most
policies ask? Yeah, that's reasonable. If you have dogs, you
need pet friendly.

Speaker 25 (01:41:42):
I mean, if you have five people in your home,
you need a rental house?

Speaker 7 (01:41:45):
How much?

Speaker 6 (01:41:46):
And so you want the entire fifteen hundred back? Let's
take two fifty a day. The thing's going to be
done in five days?

Speaker 16 (01:41:53):
Yeah?

Speaker 6 (01:41:53):
Yeah, okay, one thousand bucks. What company is it?

Speaker 27 (01:41:58):
It is affordable coming, affordable plumbing and eating.

Speaker 7 (01:42:02):
And have you actually went to them on this?

Speaker 3 (01:42:07):
Yes?

Speaker 17 (01:42:07):
I called them the same day.

Speaker 7 (01:42:09):
And what did they say?

Speaker 13 (01:42:10):
Again?

Speaker 27 (01:42:11):
Theyday okay, well we'll send the guy out.

Speaker 7 (01:42:14):
No no, no, no no, no, I'm talking.

Speaker 6 (01:42:16):
Wait wait, Manny, you're get I understand you've talked to him,
and I get the story so far.

Speaker 7 (01:42:20):
I'm asking you.

Speaker 6 (01:42:21):
Have you said, hey, we've been sitting here for four
days listening to this. We got a few more days.
I want my fifteen hundred back. Yes I did, Okay,
I want to know what they said.

Speaker 21 (01:42:33):
Right after this, go with a sure thing Denver's Best
roofer Excel Roofing dot com.

Speaker 15 (01:42:44):
You don't pay a cent until you're content.

Speaker 21 (01:42:50):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O three seven
seven and wan help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 6 (01:43:14):
All right, three O three seven one three eight two
five five, don't forget three oho three Martino. Tell your friends,
Tell your neighbors, we love kicking ass, taking names. You've
been ripped off if you listen to the show. You
know what we do. Now, Manny, I'm gonna go back
to you right now. I want to know what this
contractor said. They screwed up, They created a couple grand

(01:43:34):
in damages. They did the right thing. Affordable Plumbing and
Heating did the right thing. They called a restoration company,
you got fans, set up a dehumidifier. You called up
and said, hey, we're living down here in our basement
for the past week, and this is where it happened,
by the way, but your bedroom happens to be down there.

Speaker 7 (01:43:52):
And what did they say?

Speaker 27 (01:43:55):
So, they said that they would put in a claim
with their insurance company, okay, and that the insurance company
be reaching out to me.

Speaker 7 (01:44:06):
Okay.

Speaker 27 (01:44:08):
It's not that I'm wanting all the money back.

Speaker 10 (01:44:10):
I mean half would be fine.

Speaker 6 (01:44:12):
Well no, wait, let's ask a guy that wait, wait, Manny,
this is great.

Speaker 7 (01:44:15):
You call today Matt with Paragon Services.

Speaker 6 (01:44:18):
That's all he deals with commercial policies, residential policies.

Speaker 7 (01:44:22):
He's the insurance guy. Man.

Speaker 6 (01:44:24):
So most in the case of a plumbing and heating company,
would they typically pay the insurance company that is not
the company.

Speaker 7 (01:44:34):
If they truly did turn it over. Do you think
they'd pay. I do, yes, you think they would pay?

Speaker 6 (01:44:39):
Manny, I think you're going to get compensated at least
two hundred and fifty dollars. Well, wait a minute, I
just thought of something though. Everybody better hold tight because
I think that's a user or lose it, Matt. We'll
talk about that after the break. If you don't have receipts,
you might not get anything. It's important you hang on.

Speaker 21 (01:45:04):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 15 (01:45:08):
You don't pay a cent until you're content.

Speaker 21 (01:45:11):
Wait time for an insurance check up free no obligation
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three all three
seven seven one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all

(01:45:31):
three nine two zero sixteen twenty two.

Speaker 4 (01:45:34):
Yeah you need advice? Who you don't have a.

Speaker 3 (01:45:46):
Welcome?

Speaker 4 (01:45:47):
Runxious as fast as we can show Shooter's gonna help come.

Speaker 5 (01:45:52):
Man six is the Troubleshooter show. No Tom Martinez Welcome,
Welcome to the only show.

Speaker 7 (01:46:00):
It's kind.

Speaker 6 (01:46:00):
We're here to solve problems, answer your questions, take complaints,
and make your life just a little bit better. We've
got a lot of cooking today.

Speaker 7 (01:46:08):
In fact, we've got a lot of updates popping up
tomorrow to By the way, tomorrow's card Day.

Speaker 6 (01:46:12):
Don't forget too that. Three h three Martino works on
and off the air. You can always email us help
at troubleshooter dot com. You got a question, we'd love
to hear from you, We'll email you back. The other
thing is tell your friends, your family, Tell people anywhere.
I don't care where you live. We have fifty thousand
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(01:46:33):
to us monthly. Tell your friends. I don't care if
you're in South Carolina. Tell all your friends if they
got a problem, call the show and to tune in
three zero three Martino. If we don't answer after the show,
I promise we'll get back to you pretty quickly, generally
within twenty four hours, if not twelve. Now I'm going

(01:46:54):
to finish up with Manny. And if you listen to
all four hours, you got to understand I have to
recap do it quick. He hired a company install a
water heater. They had to remove one pipe from the
washing machine in the utility room in order to access
the drain better to drain the old water heater. So
they drained the old water heater into the drain, got

(01:47:16):
rid of it, installed the new one. All of that
went perfect. They forgot to hook the washing machine back
up to the drain. So as they're doing laundry and
it's getting rid of the water after the wash cycle,
there is freaking water all over the place. The carpets
wet everything. It's a finished basement. In fact, it's a
bedroom in their basement, and then that's where they sleep.

Speaker 7 (01:47:40):
So Manny wants them.

Speaker 6 (01:47:43):
They're doing The company affordable plumbing and heating honestly is
doing everything perfectly. They're doing everything any good company would do.
They sent out a restoration. They're turning it over to
their insurance. But Manny wants the labor back and what
the company told them. And if I was a company,
I tell them the exact same thing. So I'm going
to tell you that many But here's the deal. I

(01:48:05):
thought about this and then I conferred with Matt over
the break. Listen to this man if you don't have receipts,
you're not going to get reimbursed. In other words, if
you didn't rent a house or go to a hotel,
or have to go out to dinner or whatever you
would have to do, you're not going to get anything
from that insurance company.

Speaker 25 (01:48:26):
Matt explain, Yeah, that's paid when incurred. Usually, So if
you agree with either the insurance company or the plumbing
company that hey, I can't live here, I need a
hotel room, then you go to a hotel room, save
your receipt and submit that and get reimbursed. They're not
just going to write a check for an ambiguous statement saying.

Speaker 7 (01:48:47):
Well I needed to stay outside the house.

Speaker 6 (01:48:49):
Yeah, they don't care. If you didn't incur it, you're
not going to do it. So I would suggest, if
you don't want to live there while those fans are
still going on, you go stay at a hotel.

Speaker 7 (01:48:59):
I mean, don't go.

Speaker 6 (01:49:00):
They're not going to pay for the ritz Carlton, but
go do what you need to do and then you'll
have those receipts and you can go out to eat generally, right, Matt,
I mean just all normal stuff.

Speaker 7 (01:49:10):
They would take.

Speaker 25 (01:49:11):
You know, your daily average of what you would spend
on food and apply that. You know, eating out is expensive,
typically more than eating at home, and they pay for
the overage.

Speaker 6 (01:49:20):
Yeah, so I mean you can do that many But
that insurance company, I highly doubt is going to refund that.
I mean highly doubt give you a number like that.
You would have to go to Affordable themselves. And I'm
not so sure. I don't know how I feel about that.
I think I go back to what Mark Schamansky says.
I'd ask him for half, wait to the denial, wait

(01:49:44):
to the denial on that part of the claim, and
then ask the owner of Affordable if he would refund half.

Speaker 7 (01:49:51):
I think that's fair. They really are doing the right
stuff here.

Speaker 8 (01:49:54):
Man.

Speaker 27 (01:49:56):
Okay, thank you so much for your help.

Speaker 6 (01:49:58):
You're welcome, or go out incurse some cost right now.
If it's still going to be there, go have a
nice weekend. Downtown.

Speaker 7 (01:50:05):
I don't mean downtown Denver, I mean somewhere where you
don't get stabbed.

Speaker 9 (01:50:08):
Just from my experience, so sounding what that one washing machine,
those fans, and that that dehumidifier, that's they should be done.

Speaker 8 (01:50:16):
There's no reason I should still be there.

Speaker 7 (01:50:17):
That is weird.

Speaker 8 (01:50:18):
Five days is Wait.

Speaker 7 (01:50:20):
They're running those fans because it's a dollar clock.

Speaker 9 (01:50:23):
It is, but that's how they build the insurance company.
Most likely everything's dried out there, Matt.

Speaker 6 (01:50:28):
You bring up something interesting, So even if it was
dried up, they continually to run. But at some point,
I mean, you can't have them there a month.

Speaker 9 (01:50:36):
No, for them to get paid, they need to come
measure Is it every day or every other day?

Speaker 7 (01:50:40):
They have to take measurements?

Speaker 8 (01:50:41):
Usually daily?

Speaker 9 (01:50:43):
Yeah, you have to come and test everything that was
wet and make sure that humidity levels down.

Speaker 7 (01:50:49):
They call it water logs.

Speaker 6 (01:50:51):
Is carpet in the padding generally okay, if it's dried properly.

Speaker 9 (01:50:55):
It just depends how wet that got. But typically Pat
has to go. Carpet can be reached.

Speaker 6 (01:50:59):
So should if he's still listening, he should be, well,
that's going to come secondary. In other words, you try
it out, then you assess it.

Speaker 8 (01:51:07):
Dan, how wet was it really? I mean I don't know,
I don't know.

Speaker 7 (01:51:10):
You got mitigation then restoration, so I got you. Okay,
you gotta be on the mic to talk. Doc say
it against her?

Speaker 19 (01:51:18):
What what about the wood floor underneath the carpetal I
that get s warped.

Speaker 2 (01:51:22):
Does that usually happen?

Speaker 9 (01:51:23):
And you sometimes the wood floor will come back from
drying out, But it's the basement.

Speaker 8 (01:51:28):
It's the basement. It's probably concrete.

Speaker 7 (01:51:30):
That's a good question though.

Speaker 6 (01:51:32):
So but with mine, my floor got so wet for
so long the one.

Speaker 8 (01:51:36):
Right, Yeah, then you're you're you're cupped.

Speaker 7 (01:51:39):
But it was amazing.

Speaker 6 (01:51:40):
It looks so bad, it was crazy, but in five
or six months it was half is bad.

Speaker 8 (01:51:46):
Once it dries out, sometimes it comes back.

Speaker 6 (01:51:48):
Hey, Troy, what is your question for Matt at Paragon Services?

Speaker 12 (01:51:54):
Hey, Matt uh destroy, I've got a shop out in
the similar and I've got XL coming out tomorrow with
the adjuster. H What do I need to keep an
eye out for.

Speaker 7 (01:52:09):
It a metal roof?

Speaker 12 (01:52:11):
No, it is not a metal roof, and so it's
an asphalt shingle. But the the slope on the shingle
Xcel said that, you know the part that shingled, the
section of it that should not have been shingled.

Speaker 7 (01:52:27):
Because it's not a steep enough slope.

Speaker 12 (01:52:30):
Yeah, the pitch isn't good enough. So I'm gonna I'm
going to change to steel to get because they can't
put asphalt back on it. So I'm changing from asphalt
to steel. What is the What is the insurance company
really going to do for me?

Speaker 7 (01:52:50):
Well, I got a question for you.

Speaker 20 (01:52:51):
Go there.

Speaker 7 (01:52:52):
So, yeah, if is it a cote upgrade?

Speaker 6 (01:52:55):
In other words, when they originally did the roof, it
was fine. But now the pitch, no, it was.

Speaker 12 (01:53:02):
No, it's out of it was out of code. Well
I bought the building. It was out of code.

Speaker 7 (01:53:06):
All right, go ahead, Matt.

Speaker 25 (01:53:07):
Yeah, So the insurance company's gonna pay for what's there, period,
So if you.

Speaker 7 (01:53:12):
Have shingles there, they're going to pay for shingles.

Speaker 25 (01:53:14):
Now, if you go back to them and say, well
that's a manufacturer recommendation or stipulation that you can't install
it on a pitch of that, that's not.

Speaker 8 (01:53:23):
Over.

Speaker 7 (01:53:23):
What is it?

Speaker 12 (01:53:23):
Mark?

Speaker 7 (01:53:24):
Maybe three four twelve?

Speaker 9 (01:53:25):
Yeah, it has been more than two twelve, so three
twelve is right.

Speaker 8 (01:53:30):
But now is this hail damage or is this just
a waterleakin side?

Speaker 12 (01:53:34):
Now this is a hail damage. I've got a shop
out similar that got the golf ball size hail. So
the first thing I knew about it was I got
a call from Fox thirty one says, hey, you got
any pictures of the golf balls.

Speaker 25 (01:53:47):
But yeah, I know, but yeah I heard about that
that storm, and I worked a little bit of it.

Speaker 6 (01:53:52):
But wouldn't it be way I don't care if it's
commercial residential golf ball size.

Speaker 7 (01:53:57):
We've got to be talking way more than a roof, right.

Speaker 8 (01:54:00):
Oh maybe, I mean just specifically so, but you know
one thing.

Speaker 12 (01:54:04):
That queat right, yeah, around the windows, the trim around
the windows. Uh, the vinyl trim broke.

Speaker 7 (01:54:15):
That's new windows.

Speaker 25 (01:54:17):
Well, if it's the frame itself in the window, that
that's gotta be replaced.

Speaker 6 (01:54:20):
Dude, you got to have listen, man, who's going out
there for the roof?

Speaker 7 (01:54:24):
Excel? Yeah, that great people.

Speaker 6 (01:54:27):
They're fine on the roof, but when it comes to
everything else out there, you need someone like Mark to
look at those windows. You need someone to look at
all the other damage. Excel is a roofer. They're my
favorite roofer out there. I'm gonna say that straight up.

Speaker 7 (01:54:41):
I use them.

Speaker 6 (01:54:41):
But you've got to have someone that can eyeball every
damn thing out there.

Speaker 7 (01:54:46):
And Shamansky can do that.

Speaker 12 (01:54:48):
Man.

Speaker 6 (01:54:48):
I mean, Mark, do you even go there? Before I
even say that, we go everywhere, so I mean he
can do the windows. What what's the structure made out of?
Because if it's if it's golf ball.

Speaker 7 (01:54:58):
Size, Hell, guys, it's gonna wreck some stuff. It's you
might need new siding. What is the what is the
shop made of?

Speaker 16 (01:55:05):
Uh?

Speaker 12 (01:55:06):
On the outside. And I've had Mark come over. His
crew came over and took care of I had. I
had a laundry room flood and all the water went
through the UH dryer, the heating bet went to the
basement and dropped the ceiling. Oh, just as came out

(01:55:26):
and they did an awesome job.

Speaker 8 (01:55:29):
It's great.

Speaker 7 (01:55:30):
Yeah, I think. So the adjuster comes out tomorrow.

Speaker 25 (01:55:32):
You said, Yeah, just buy him a case of beer
and tell him that I'm gonna look at his estimate
and it better be good, so you can send it
to me. I'll look at it for free. And you know,
we just want to make sure they include everything.

Speaker 7 (01:55:43):
I bet they, I bet they. I bet they give
them an estimate on the roof.

Speaker 9 (01:55:46):
Well, and just just one thing, they're gonna the insurance
company will pay for a new modified bit right in
a low area.

Speaker 8 (01:55:52):
They're not going to pay for the metal, so that'll
be out of pocket for you.

Speaker 12 (01:55:56):
Yeah, yeah, that's fine. I'd be happy to.

Speaker 3 (01:55:59):
End up with a better anyway.

Speaker 12 (01:56:01):
And hell yeah, the insurance company is going to be
happy that I got away from Alphol and went to
the sill roof on that.

Speaker 7 (01:56:08):
Yeah, well you know their numbers man.

Speaker 8 (01:56:12):
Oh yeah, yeah.

Speaker 25 (01:56:13):
When you when you get your determination back from the
insurance company, just email it to me, give me a call,
look it over. And I live in the Springs, I'm
not too far from you.

Speaker 6 (01:56:21):
And that's something let me tell you. That's something Matt. Thanks,
thanks for that call, Troy. That's something Matt does for everybody.
So if anybody out there, your insurance company gets back
to you after massive hail damage or something, you'll eyeball
that for free.

Speaker 7 (01:56:34):
If they fax it over whatever. Of course, tell them
a long because.

Speaker 6 (01:56:37):
Sometimes you'll say, it looks like it's probably about right.
I don't need to get involved.

Speaker 25 (01:56:41):
Yeah, normally I can see the red flags Real Quick,
Real Quick and Paragon Services Matt's at seven to one
nine seven two six zero zero twenty seven nine seven
six zero zero twenty and then Genesis Total Exteriors.

Speaker 7 (01:56:56):
What Mark's great at. Do you do a ton of roofs? Mark?

Speaker 6 (01:56:59):
Yeah, they can go out and evaluate everything. They can
look at the windows, the roof, the deck, the siding. Hell,
I think Matt on that one, I'm almost positive you
got me money for landscaping.

Speaker 25 (01:57:11):
I did, yeah, called like eight hundred per tree that
was getting messed up.

Speaker 7 (01:57:14):
And the deck. It was crazy. The deck, Oh, the
deck big time.

Speaker 6 (01:57:18):
In fact, I had a garage out there and had
our whole deck coded after that, One more quick question
for Matt.

Speaker 7 (01:57:24):
What is it Greg?

Speaker 14 (01:57:27):
Is there a time limit? From like?

Speaker 7 (01:57:30):
I great question out look at the roof?

Speaker 28 (01:57:33):
Had I had a fail come out? They looked at it,
said yeah, and I turned it into the insurance. Insurance
said no, we won't cover the roof. Again, I was saying,
I don't know when they hailed.

Speaker 6 (01:57:46):
Out, Hey, just real quick, what I got to take
this break? What area was it in? What zip code?
What's the best way out? Castle Rock?

Speaker 7 (01:57:53):
I like that.

Speaker 6 (01:57:54):
Hold on one second. I'm going to talk to Matt
over the break. But I bet we're thinking the exact
same thing. Everybody.

Speaker 7 (01:58:02):
Hold tight. If you've had hail damage and it's been
a while and the insurance company is telling.

Speaker 6 (01:58:08):
You, what what what what? You didn't call us too quick?
I'm not so sure that's right all the time.

Speaker 7 (01:58:15):
Hold tight.

Speaker 21 (01:58:23):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 15 (01:58:27):
You don't pay a cent until you're content.

Speaker 21 (01:58:32):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three, seven to
seven to one.

Speaker 7 (01:58:42):
Help.

Speaker 21 (01:58:43):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance. Three oh three nine two zero
sixteen twenty two.

Speaker 6 (01:58:57):
All right, yeah, exactly three oh three seven one three
A two five five. Hey, I appreciate everybody listening to
the show. Hey, and if you have a problem, I
can't tell you enough. Tell your neighbors, Tell your friends.
Three zero three Martino, three zero three Martino. By the way,
Tommy boys at home doing good. We're looking forward to
getting them back in the groove. It's still gonna be
a little bit. You're still gonna have to deal with me. Uh,

(01:59:20):
but I promise he is doing good. In fact, I'll
share this. His sisters came out and they're kind of
helping him rehabit home. He got home yesterday, So that's
a quick update. Apparently the docs say he's cancer free.
They do a little deeper dive once he heals up better,
uh like I don't know, in the next week or two.

(01:59:41):
I assume they do a little deeper dive.

Speaker 7 (01:59:43):
But it looks like the.

Speaker 6 (01:59:44):
Cancer is one hundred percent gone and he's on the mend.
And it was a rough surgery. I'll tell everybody that
it's one of the most invasive surgeries out there. But
everything's good now, everything's looking really good. And thanks for
all the prayer, all the good thoughts, whatever you do
in your life. Thank you, And I know Tom really

(02:00:05):
means that. Now I'm going to finish up with Greg. Greg,
when they tell you that the hail damage was done
prior to the last year, is that what they're telling you.
Your insurance company came out, they looked at your roof,
they saw the hail damage in Castle Rock, but they
told you, oh, that was from two years ago.

Speaker 14 (02:00:28):
Yeah, well yeah they did. But the interesting thing is
they said they would replace the gutters because there's the
hail damage on them.

Speaker 7 (02:00:38):
So I want everybody to listen.

Speaker 6 (02:00:40):
I truly want everybody to listen to this and I
have told this story a million times, and I'm gonna
compact it. My insurance company told me I had no damage.
Matt came out and got me eighty thousand dollars on
that particular claim. Matt, what would you do in this
sinne We know Castle Rock has been hit by hal

(02:01:04):
as recently as a week ago, let alone over the
past whatever, twenty four months, twelve months.

Speaker 7 (02:01:10):
What would you do?

Speaker 25 (02:01:12):
I would step in and uh, and I've already on
the break. I looked this up June of last year.
There was a significant storm there, so I would argue
that that was the storm that created the damage. I
would also argue that if you're covering the gutters, you're
acknowledging the storm damage within that timeframe already.

Speaker 7 (02:01:29):
So that opens the floodgates in my opinion. So what Greg,
let me explain.

Speaker 6 (02:01:33):
Once an insurance company says, yeah, we're gonna go ahead
and pay you you have a covered peril once they
admit that, even if they only say okay, we owe
you one thousand dollars for X, once that opens That's
what Matt's talking about on the floodgate, because they can't
go back.

Speaker 7 (02:01:52):
Now and say, well, we didn't mean that. Once they acknowledge.

Speaker 6 (02:01:56):
Coverage, now all we got to talk about is how
much you're gonna get, right, And that's what Matt does.
So once they already said they're going to give you gutters,
he's going to come out and I bet he gets
you a roof, and I bet he gets you more
than that.

Speaker 25 (02:02:09):
Who's your insurance company, Greg Auto Owners?

Speaker 7 (02:02:13):
Okay, I work with them all the time. Well you
should let me try to get you more. Yeah, I mean,
why wouldn't you?

Speaker 14 (02:02:19):
Yeah, well that's what I thought.

Speaker 7 (02:02:23):
Literally, man, how would in mark?

Speaker 6 (02:02:26):
You're the expert, you're a roofer. How would you possibly know?
When did they say the damage to the roof happened?

Speaker 14 (02:02:34):
They just said it was older than fair enough.

Speaker 7 (02:02:36):
That's all I needed. That's all I needed. So they're
talking longer than a year.

Speaker 6 (02:02:41):
So how would you possibly know if hail damage from
June of last year compared to February.

Speaker 7 (02:02:48):
Of last year.

Speaker 8 (02:02:49):
You wouldn't.

Speaker 7 (02:02:50):
There's no way there lyon.

Speaker 8 (02:02:53):
Correct that.

Speaker 9 (02:02:56):
This is a great one for Matt. This is perfect
from Matt. This is right up his alley.

Speaker 6 (02:03:00):
Oh my god, it's right up is allie, And you
can come out and actually give a real cost.

Speaker 8 (02:03:04):
Right then?

Speaker 7 (02:03:05):
Will Greg? Do you have a contractor involved?

Speaker 14 (02:03:09):
I had called Xcel before I called the insurance company.

Speaker 7 (02:03:12):
Okay, were they? Were they there at it? Were they
there when the adjuster came out?

Speaker 8 (02:03:17):
Yes?

Speaker 15 (02:03:18):
Okay, he thought for sure.

Speaker 14 (02:03:20):
The guy that came, he thought for sure they were
gonna approve it.

Speaker 7 (02:03:23):
Yep, that's it.

Speaker 6 (02:03:25):
Here's Matt's number. I'm going to give it out again.
Seven nine seven to two six zero zero twenty. Greg,
I want you calling me back as soon as your
insurance company agrees to give you a new roof and
everything else. I truly believe you're going to get and
I'm going to hold you to that. If you give
me a promise on.

Speaker 22 (02:03:44):
It, I'll do it.

Speaker 7 (02:03:47):
I love it.

Speaker 14 (02:03:48):
Call Matt you're your a referral list because it's great.

Speaker 7 (02:03:51):
Thank you. Call me this afternoon. Hey, Kelly, make sure
you grab Greg's.

Speaker 6 (02:03:55):
Info and just give it to Matt. Let's make it easy.
What do we got here? Issue you with one? Okay,
I'm going to probably slaughter your name, but I'm going
to guess Acacia, Yes, sir, oh I nailed it. Look
at me, Look at me, Acacia. What is going on
with this towing problem.

Speaker 29 (02:04:18):
Yeah, so there wasn't so much an issue with the
toe as far as we know. But when it did
arrived to the shop where we had a toe to
Jiffy Lube, someone apparently lost our only key bob to
our car.

Speaker 6 (02:04:32):
But you don't know if it was the toe driver
or the Jiffy Lube that's correct. What does Jiffy loub say?
Let's start there. They never got the key.

Speaker 29 (02:04:43):
First they said they never got the key, and then
they changed their story saying that it's in the cupholder,
but they couldn't get the doors open because it was locked.

Speaker 6 (02:04:53):
Well, hold on, let me take this break. I'm dying
to know where this goes. Did the window get broken out?
This is what we call a tea. Did the car
gets stolen? Did the tow truck driver hit it with
a hammer? Was there an explosion of fire?

Speaker 2 (02:05:07):
And under what circumstances is a card towd to Jiffylube?

Speaker 7 (02:05:11):
Good question, we'll find out.

Speaker 21 (02:05:18):
Go with a sure thing Denver's Best Roofer Excel roofing
dot com.

Speaker 15 (02:05:22):
You don't pay a cent until you're.

Speaker 21 (02:05:24):
Contenth time for an insurance check up free, no obligation
in comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies.

Speaker 15 (02:05:36):
Find out now three oh three, seven to seven to
one help.

Speaker 21 (02:05:38):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 6 (02:05:50):
All right, three o three seven one three eight two
five five three oh three Martino, do not forget. Do
not forget. Those numbers work on and off the air.
Help at troubleshooter dot com also works all the time.
I do want to say this, We've got great yesterday.
Mark Schamansky, I personally use him. He's worked on our deck,

(02:06:10):
he's done to the exterior housing, he's done some roof work.
He's done a ton of stuff for me. And then
Matt at Paragon. Matt, I might buy you a beer
for once because of that last check you got me.

Speaker 7 (02:06:22):
I'm going to tell just a real quick story. Who
was the last one we dealt with? Safego who said zero?
They stonewalled me. Mark.

Speaker 6 (02:06:31):
I tried to go up the ladder and complain, Hey,
there is damage. You guys aren't listening. They told me
too bad, so sad nothing. Matt ends up getting me
close to forty. But he met the adjuster. He forced
the adjuster to come out to my house and meet you.

Speaker 7 (02:06:47):
Oh the gal. The gal.

Speaker 6 (02:06:49):
Yes, and Matt probably loves when I tell the story.
Matt's a pretty good looking guy. I mean, we can
all acknowledge that I'm.

Speaker 7 (02:06:55):
Comfortable enough in my manhood to say I think he
looks Suzanne Goes. He looks like Bradley Cooper. Would you
agree with that, Mark, Yeah.

Speaker 8 (02:07:03):
The ladies of my office like it, like it with
Mega business.

Speaker 13 (02:07:06):
Yeah.

Speaker 7 (02:07:06):
The ladies like Matt, I need a billboard.

Speaker 8 (02:07:09):
The ladies like ma right next to Freankysar.

Speaker 7 (02:07:12):
Let's just get no, let's just call it what it is.

Speaker 6 (02:07:15):
So when the adjuster came over and it was a
young lady, probably a little younger than you.

Speaker 7 (02:07:22):
Yeah, she was probably maybe thirty, I was like, that's
that I'm getting my check. I knew it.

Speaker 6 (02:07:28):
I was like, that's that I'm getting my check. And
I watched Matt turn on the finass.

Speaker 7 (02:07:34):
It was actually pretty pathetic, but he is. It pays
it pay It paid forty thousand dollars. But here's the thing.
I mean, if you're meeting a sixty year old adjuster,
you've got a different You got to different know your crowd.
You gotta know your crowd. And he knows how to
talk to these adjusters. And once again, the second they

(02:07:56):
agree to pay something out, that's all you're trying to
do at.

Speaker 6 (02:08:00):
The beginning, right, And once they get some Wow, this
guy only wants a thousand bucks for this or whatever.

Speaker 7 (02:08:06):
Fine, we'll go ahead and give it to him. Bam.

Speaker 6 (02:08:09):
Then he brings out the big guns. Then he brings out, oh,
I'm sorry the other day, we didn't talk about this, this, this, this,
this and this, And that's how it works.

Speaker 7 (02:08:18):
Supplements too.

Speaker 25 (02:08:19):
During you know, the repairs, you run into things that
were unforeseen, you know, and though that you can supplement
for that.

Speaker 6 (02:08:26):
Okay, now let's get back to this twenty thirteen Cadillac. Hey,
by the way, why did you, Akisha, Why did you
get it towed over to Jiffy Lube? For what reason?

Speaker 29 (02:08:39):
Well, it's okay, Akisha, we are having some transmission issues. Unfortunately.

Speaker 6 (02:08:45):
Yeah, that's the wrong place to toe it. But regardless
you tow it over there, it gets there. The key
is in the cup holder because either the tow driver
did not give it to Jiffy Lube or Jiffy Lube
locked it in there and what happened? And from there.

Speaker 29 (02:09:02):
There's a that they didn't lose it, so we're responsible
for paying for a replacement.

Speaker 7 (02:09:08):
But wait, wait, I thought they said it was in
the cup holder.

Speaker 29 (02:09:12):
Oh no, we had to get it towed back to
our residence after it sat in there shop for ten days,
and they had They didn't try to unlock the doors
or anything. They just let it sit there.

Speaker 15 (02:09:23):
So where is it?

Speaker 11 (02:09:24):
We just towed it back to our house.

Speaker 7 (02:09:26):
Is the key in the in the cup Is it
in the car? What does the tow driver say?

Speaker 29 (02:09:34):
He said that he gave it to.

Speaker 6 (02:09:35):
The gentleman at Jiffy Lube, and Jiffy Lub is saying
at first they never got it, but then they're saying
it was locked in the car. It sounds like Jiffy
Lube locked it in the car if I had to
go out on a limb.

Speaker 29 (02:09:46):
Here, But it's not even in the car nowhere to
be found.

Speaker 9 (02:09:51):
And Jiffy Lube can't do any work in the car
because they're not a transmission play.

Speaker 7 (02:09:54):
At that part is baffling it over you don't.

Speaker 9 (02:09:57):
Even have a contract with Jiffy LOEU of any sorts,
so I don't know what their liability is.

Speaker 6 (02:10:02):
This whole thing's crazy. So where does it stand now?
You just need a keyfob?

Speaker 29 (02:10:07):
Yes, certain, our car is still just sitting in front
of our house right now.

Speaker 7 (02:10:11):
And how much you getting quoted on a key fob program?
Let's do this.

Speaker 6 (02:10:18):
Let's do this, you say, call city Lock, Yeah, get
him on. I want to see how much that is.
I love city Lock. Hold on, hold on. I'm not
sure who we'd go after A's he said, She said,
but that that I'm not worried about. Let's see if
we can't get you a key for this for like
fifty bucks or something. We're going to find out in
a second. Annie, what's going on with you?

Speaker 26 (02:10:40):
Hey there, Mark, good to talk to you. You know,
I'm basically calling because I've been a customer of Amica
Insurance for twelve years and no claims just one. Well
I can't say none, but if they have one claim
sure for a roof twenty eighteen. And I opened my

(02:11:01):
policy yesterday. I usually don't. Something told me to open
it up. I went from five thousand dollars and a
yearly to now I'm paying thirteen thousand.

Speaker 6 (02:11:13):
You got to call you got to call Compass. I mean,
I don't have you called Compass.

Speaker 25 (02:11:18):
I have to say, though, Amika is fantastic.

Speaker 7 (02:11:22):
Well for sirteat from five to thirteen thousand, I'd hope
so they are great. I hope they buy your dinner
while they're cutting your a check.

Speaker 14 (02:11:32):
They are good, absolutely, you know.

Speaker 26 (02:11:34):
And I live out towards Simila and twenty eighteen I
had a roof put on. So now I'm being told
there's way too many claims.

Speaker 6 (02:11:44):
Hey, Annie, can can you do me a favor? Can
I use you as a test subject I want to
get I want you to get that info over to
Brian Burns, have them shop it, and I'd like to
follow up on how much they can save you tomorrow tomorrow.
Would you please do that for me?

Speaker 10 (02:12:02):
For sure?

Speaker 7 (02:12:03):
Here's what I'd like to do that I'm Amika, Well,
you're gonna have to.

Speaker 6 (02:12:07):
I mean, that's absolutely insane. But I'm not saying. I'm
not saying other insurance companies in your area are going
to do better. But I really want to find out.
So I'm going to have Kelly get your information, and
I'm going to have one of the owners of Compass
reach out to you, and then I would love to
talk to you again tomorrow.

Speaker 26 (02:12:26):
Alrighty, we could do that.

Speaker 7 (02:12:28):
I really appreciate it.

Speaker 26 (02:12:29):
If they're moving out of the state, what's happened I
was told Mika. Yeah, the representative said, they're trying to
get out of state. It's just too expensive. It's crazy
here anymore.

Speaker 6 (02:12:41):
It's crazy, all right, hold on, hold on, hold on,
let's figure out where that's going to go tomorrow. I'm
hoping they can save her a ton of money. Anybody
that doesn't use Compass insurance they shop. I don't care
if it's commercial, residential, car, motorcycle, RV. We do it
all through Compass. A workman's comp for a company, any
garage keepers, for an automotive chep. Just call these guys up.

(02:13:03):
There's no harm in it. They're gonna tell you if
they can beat it. And more importantly, they're gonna tell
you if you have the right coverage. That is so
important these days.

Speaker 21 (02:13:12):
Hold on, go with a sure thing Denver's Best roofer
Excel roofing dot com. You don't pay a cent until
you're content. Time for an insurance checkup free, no obligation
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies.

Speaker 15 (02:13:30):
Find out now three oh three, seven to seven to one.

Speaker 7 (02:13:33):
Help.

Speaker 21 (02:13:33):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance.

Speaker 15 (02:13:40):
Three oh three nine two zero sixteen twenty two.

Speaker 6 (02:13:44):
All right, listen three oh three Martino. That number works
on and off the air. We're gonna have a kick
ass show for you again tomorrow. Hey, Jeff was city lock.
Hey Jeff, I've got a question for you. How much
for a.

Speaker 7 (02:13:55):
Keyfob for a twoy thirteen Cadillac CTAH, give me.

Speaker 22 (02:14:02):
A second to look it up.

Speaker 13 (02:14:03):
I didn't know we were going to be looking something.

Speaker 7 (02:14:05):
Up the no no, no, no problem. So basically people
just joining us.

Speaker 6 (02:14:09):
And I'll tell you, Jeff, what happened is she had
her car towed from her house over to Jiffy Lube
for some transmission diagnostics, which still baffles everybody. But regardless,
the tow driver apparently didn't give Jiffy Lube the key.
Jiffy Lube claims that and the driver claims they did
give the key, so eventually the vehicle ended up getting

(02:14:30):
towed back to their house, which I think is crazy
because someone like you could have went out and programmed
it probably opened it right on the spot. But how
much is a key fob for that thing?

Speaker 3 (02:14:42):
Okay?

Speaker 17 (02:14:42):
First give me that year.

Speaker 7 (02:14:43):
Again twenty thirteen.

Speaker 6 (02:14:47):
Cadillac c T S and I do have that correct, right, Acacia.

Speaker 29 (02:14:59):
Yes, and just so I can clarify it wasn't. It
was just a transmission flush is what we had it told.

Speaker 7 (02:15:07):
Therefore flush, I gotcha.

Speaker 6 (02:15:10):
I just just as other advice, when you get it
done or when you need to get it actually looked at.
If you're having problems with the transmission, unless if it's low,
really low on fluid, I would not get a flush done.
Get it over to kimmera transmission. They're as honest as
the day as long and there if it does need
some real work on it, which it sounds like it does.

(02:15:31):
Basically what's going to happen is they're going to give
you the best price out there. But how much for
a key?

Speaker 7 (02:15:36):
Jeff?

Speaker 17 (02:15:37):
Okay, I got a question.

Speaker 3 (02:15:38):
Is it a key start ignission or is it a
push button?

Speaker 22 (02:15:41):
Stars ignition.

Speaker 13 (02:15:44):
Just start.

Speaker 29 (02:15:44):
They that's in there stays in there to start it?

Speaker 7 (02:15:52):
You actually does it? Is it actually a key?

Speaker 12 (02:15:55):
Yes?

Speaker 7 (02:15:55):
Or no?

Speaker 29 (02:15:57):
It will not come out of there?

Speaker 10 (02:15:58):
No?

Speaker 7 (02:15:58):
Oh, so you had a key that was stuck in there.
There's a key stuck in.

Speaker 29 (02:16:02):
There right now. It's not stuck in there, No, sir,
it's not stuck in there. It belongs in there, but
it doesn't come out though. The key fob, though, allows.

Speaker 7 (02:16:09):
You to start it and you push a button, you.

Speaker 29 (02:16:14):
Turn the key and turn the ignition, which is the
key that stays in there permanently.

Speaker 6 (02:16:19):
Okay, does that make sense, Jeff? I think I know
what she's saying. I've never seen that set up.

Speaker 3 (02:16:24):
No, that does not make sense.

Speaker 29 (02:16:28):
The button where you push to start and you press
on the brake instead of that, you're still pressing on
the brake, but you're turning the key that's permanently set in.

Speaker 7 (02:16:36):
There, and that's the way the vehicle was designed, correct, Yes, sir,
it's got to be push button, Jeff. And the fob
allows you to start the car. That's push button.

Speaker 10 (02:16:48):
Okay.

Speaker 22 (02:16:49):
Did they lose the one and only remote?

Speaker 7 (02:16:52):
Yeah?

Speaker 6 (02:16:52):
Hold on, we're going to be up against hold on,
both of you. Hold on, we're going to exchange information
off air. Kelly figure out how much that key is.
All right, folks, listen three O three seven one three
eight two five five three oh three Martino Helpit, Troubleshooter
dot Com, Mark Schamansky, Genesis dex Anything Exterior, and then
Matt Stanford.

Speaker 7 (02:17:13):
Thank you both. My name is Mark Major, and this
is a Troubleshooter Network