The Troubleshooter 6-26-25

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Yea ripped up news need advice so you don't have.

Speaker 2 (00:12):
Come running just astas as a cam shooter's gonna help come.

Speaker 3 (00:18):
Man Dix is the Troubleshooter Show.

Speaker 4 (00:22):
No Tom Martino, Hey.

Speaker 5 (00:27):
Tom Martino here, Welcome to the show.

Speaker 6 (00:29):
Three oh three seven one three talks seven one three
eight two five five. Joined with my peeps at the studio.
That is Mark and I see some deputies there.

Speaker 5 (00:41):
Mark, take it away. Who's there? What's going on today?

Speaker 7 (00:44):
Shamadski.

Speaker 8 (00:45):
We got Matt Stanford, Paragon, Genesis, Total Exteriors. We're gonna
be talking insurance claims, how insurance companies attempt.

Speaker 7 (00:53):
To rip you off.

Speaker 8 (00:54):
We got Deputy Bow, Suzanne Kelly, and then some kind
of ugly guy on the other side of the glass.

Speaker 6 (01:03):
Hey, it's uh. I want to I want to be
the first one to say, is this legal?

Speaker 5 (01:09):
Can you sing? Happy birthday?

Speaker 9 (01:12):
Oh gosh, Tom, We've got a birthday grow in the house.

Speaker 7 (01:14):
You could do it like they do it.

Speaker 5 (01:17):
Let's do it. Let's do Happy Happy birthday to you,
Happy birthday to.

Speaker 1 (01:24):
Happy, Happy birthday.

Speaker 5 (01:26):
Dear glory to Kelly story, Happy birthday to turn man,
just turning forty, just checking forty fifty five. Actually, thanks
for the crow. All right, Well, anyway, I always round up,

(01:49):
so I actually don't know how old I am.

Speaker 6 (01:52):
Well, how well, it's not it's not it's not polite
tasking age. I don't know why it's not polite. I mean,
I really don't and I never did understand that. But
it's like, so anyway, let's go to the phones. But
first talk about actually we should just talk about things
happening in the news and listen. I don't normally talk

(02:14):
about stuff like this, well not in this regard, but
this thing with let me just bring this up. This
news story. It went under the radar. There was actually
listen to this.

Speaker 5 (02:29):
Do you know the US AID that took you know,
the us AID was aid all over the world. Yeah,
we were paying for studying the mating habits of tens
in a foreign country. I mean, I'm just exaggerating, But
listen to this.

Speaker 6 (02:49):
During all of this investigation going on, they found a
US AID contracting officer, Roderick Watson.

Speaker 5 (02:58):
It's real.

Speaker 6 (02:59):
He pleaded guilty to running a ten year long bribery
scheme that steered more than five hundred and fifty million
dollars in federal contracts to associates of his.

Speaker 5 (03:13):
This is real.

Speaker 6 (03:13):
I mean I have not heard one newscast with us
This just happened the other day. And he got more
than a million dollars over the years in cash and gifts.
The contracts were awarded under the you know, the USAID
program to help minority and women own businesses, and it
was supposed to be non competitive set aside contracts. So

(03:35):
the thought with USAID was that these places when it
comes to government contracts, this was specific. There are others
that have to do with charity, with medical research, and
you know, that's where some of the liberals are saying
Conservatives are causing a mass death over their cutbacks.

Speaker 10 (03:56):
You know.

Speaker 6 (03:57):
And in any case, I'm not talking about USA in
general or all of the wasted money, but this particular one.

Speaker 5 (04:04):
Here's what I find shocking.

Speaker 6 (04:06):
If this guy was a Republican, If this guy was
doing it under.

Speaker 5 (04:11):
A Republican rule. Now, part of it was under Trump, but.

Speaker 6 (04:16):
It was mainly you know, I think Clinton, it was
Barack Obama under Bush.

Speaker 5 (04:25):
A lot of it took place.

Speaker 6 (04:26):
Was Bush just sleeping basically, I mean, what was he
doing anyway? Okay, the scheme started in twenty thirteen and
involved companies putting in contracts and then the bribes were
funneled through various means, including some of the bribes were
jobs for relatives, electronics for his home, home, down payments,

(04:47):
and loans. Prosecutors and DOJ officials condemned the fraud obviously,
But what I don't understand. Does it shock you that
this hasn't been in the news.

Speaker 10 (04:59):
I hap.

Speaker 5 (05:00):
I happened to run across it.

Speaker 6 (05:02):
In one of these fringe sights and then started doing
research and found it's absolutely true.

Speaker 5 (05:08):
So if you look them up, you'll find it.

Speaker 6 (05:11):
Roderick Wasson, you know Mark, we often talked about taking
the penalty for the crime on purpose.

Speaker 5 (05:19):
Do you remember what's the clown's name? He went to
his eyes? What is Don?

Speaker 6 (05:24):
Ailey was an accountant who just literally ripped people off.
He would get a client and he'd do their payroll
and instead of paying payroll taxes, he just told the
client he paid them. He told the irs that the
client had no payroll, so the client would pay Ailey.
Iley would just pocket the money and we figured about
twenty million.

Speaker 5 (05:44):
Then he went to prison. Is he had a prison yet?
Do you know Mark?

Speaker 8 (05:47):
Now I think he hung himself or killed himself or
off himself or whatever you want to.

Speaker 6 (05:52):
He Oh, is he deceased, Oh, he's deceased. There were
so many people hurt by him. Let's go to the folks,
jill an issue.

Speaker 8 (06:02):
You forgot hold on, hold on, you forgot to finish
the point to conversation.

Speaker 5 (06:05):
Yeah, go ahead, go ahead and finish the point with calculations.

Speaker 8 (06:09):
When this guy went to federal prison. One of the
reasons they gave him I think they gave them twelve years.
And remember this is an economic crime. That's pretty high
for an economic crime, so they gave him the upper echelon.
But the reason was the twelve million dollars that was
definitely missing. It was probably more like twenty, but twelve
that was definitely missing had never been found. In other words,

(06:31):
none of the cash was there. So I brought up, okay,
ten years in prison. It's federal, so you automatically get
twenty percent. That brings it down to eight years in prison.
Eight years in prison, you get out. You have twelve
million bucks. You make one point two million dollars a
year for sitting your ass in the can?

Speaker 7 (06:50):
Would you do it? That was the question.

Speaker 6 (06:53):
Yeah, I'm wondering if there are people, I mean, and
now you'd probably even get less time done.

Speaker 8 (07:00):
This is Martha Stewart Prison. This ain't someplace in New
York or you know. This is Martha's Stewart Prison.

Speaker 6 (07:08):
Yeah, it's it's amazing. So we we were bantering that around.
Would you take a million dollars a year to sit in?

Speaker 10 (07:16):
Point?

Speaker 7 (07:16):
Do you? Mark Schamansky? A million a year one point
two a year for eight years?

Speaker 10 (07:22):
Eight years? That's tough. I don't think I could do.

Speaker 7 (07:25):
It now, that's a long time.

Speaker 5 (07:26):
The eight years is hard.

Speaker 6 (07:28):
Maybe if you got it down to two or three
and then you had a take of five or six.

Speaker 5 (07:32):
I don't know.

Speaker 6 (07:32):
I I rather have my chances on the outside making money.
What about your deputy.

Speaker 11 (07:38):
D Yeah, no chance. I don't want to give up
eight years of my life. Even at Martha Stewart's prison.
It sounds like a really nice place.

Speaker 7 (07:45):
I heard that you get free reach arounds.

Speaker 5 (07:49):
Dude, Look, hey, Mark, did you did you? Can we sit? Oh?
I don't know, I don't know. I don't know.

Speaker 6 (07:57):
I wish I had a delay, but never mind, I'm
not even going to repeat it. But that one right
over Shannon's head unless it doesn't mean anything.

Speaker 5 (08:05):
I mean, I guess it doesn't.

Speaker 6 (08:06):
You could scratch somebody's back or yeah, okay, So anyway,
let's continue with this worker's compting that we didn't even
start gl talk.

Speaker 5 (08:17):
To us about the workers com problem.

Speaker 6 (08:19):
What I like you to do is just start and
then I'll ask questions.

Speaker 12 (08:23):
All right, Well, here's the deal. My wife fell at
work back to the beginning of the month.

Speaker 5 (08:31):
Just this, just at the beginning of June.

Speaker 6 (08:34):
Yeah, yeah, okay, good, I'm glad we're getting this early.

Speaker 12 (08:38):
Well, yeah, she works at the airport. She slipped and fell.
There's still not one hundred percent sure how she slipped
because she wears flip resistant shoes, but there was multiple
witnesses to it. Anyhow, she was taken to the hospital.

Speaker 13 (08:55):
X rays were done.

Speaker 12 (08:56):
She has a fractured ankle and left or excuse me, right,
and multiple stress fractures of her right foot. Ctcands have been.

Speaker 5 (09:07):
Done the orthopay Mark Mark, do you recall?

Speaker 6 (09:09):
I want to ask Major Mark, Major Mark, do you recall?
Does the HL theory apply for workers comp You get
your worker the way you have them, and if they're
weak and more damages happen.

Speaker 7 (09:20):
Then No, not really, not not really.

Speaker 8 (09:23):
It's a lot different because you give up the right
to sue your employers.

Speaker 7 (09:27):
So the rules also.

Speaker 6 (09:29):
But what I mean is if his let's just say
his wife was frail and another woman is not free,
I know exactly what you mean it, I know, but
don't they both suffer if they both suffer the same fall,
do you have to pay more because a person was
frail or had pre existing injuries?

Speaker 5 (09:45):
I don't know the answer to that.

Speaker 7 (09:47):
Work, the injury is going to be it.

Speaker 8 (09:48):
Whatever the injuries are is going to be handled, regardless
if they were frailers.

Speaker 5 (09:54):
Okay, you can keep going with your story. This is
we're just thinking out lots of other people.

Speaker 7 (09:58):
No, no, let's ask.

Speaker 12 (09:58):
There's multiple there's multiple.

Speaker 5 (10:01):
Parts to this, all right, but let's Lorna get one
at a time.

Speaker 6 (10:04):
Go ahead. So so it's the beginning of June. Did
she filed workers comp right?

Speaker 13 (10:09):
Right? Right?

Speaker 10 (10:11):
Ohkay, got it?

Speaker 12 (10:12):
She was taken to the University hospital. They did X
rays and whatnot, determined what what what what the deal was.
Ten days later she saw the orthopedic surgeon and they
took the cast off, did new X rays and then
put a new cast back on center for ct scam.
This past Tuesday, the Workman's comp insurance sent her to

(10:33):
see sent her to Concentra to see the regular workman's
comp doctor.

Speaker 6 (10:39):
That's called a that's called an independent medical examiner. They're
they're not independent, They're often not qualified. I I hate
what the imes they call them so well, so she
was sent she was sent to an I M.

Speaker 13 (10:53):
Right.

Speaker 12 (10:53):
So he said that she is able to go back
to work as of course yesterday on her duty. Sure,
the orthopedic surgeon is on his report. He wants her
off work at least until the end of July, by
his statement or by everything he says. So when she

(11:16):
was there yesterday, saw our Tuesday, saw the other doctor.
One of the things I brought up, it was brought up,
is well number one, since it's her right foot ankle,
she can't drive, she is uncrutches, she's having extreme her Does.

Speaker 5 (11:31):
Her surgeon say, yeah, and you don't have to sell
it to us. I mean, we're we take.

Speaker 6 (11:35):
You out, you know, so we don't have to waste
that time. We're going to take for argument's sake. Everything
you're saying is true. She still has injury and pain
and misery and on a crutch. And did her surgeon though,
did her surgeon say she could work at all?

Speaker 5 (11:50):
Or what? What was his actual recommendation?

Speaker 12 (11:53):
He just wants her off her feet period? His recommend Well,
what what to do?

Speaker 5 (12:02):
What to do? What to sit at home? What did
he say?

Speaker 10 (12:05):
You?

Speaker 6 (12:05):
You can't go out, you can't go to the supermarket,
you can't do anything.

Speaker 12 (12:10):
I don't have the paperwork in front of me, but
he said it's non weight bearing four to six week.

Speaker 5 (12:16):
We got it, okay, So keep going.

Speaker 12 (12:18):
Then then what so her employer called yesterday afternoon, late
in the day and said, well, we think we can
make accommodations for you to come to work. She works
in a restaurant. He says, you know, we can get
a chair.

Speaker 5 (12:33):
Was she was she a service? Was she a server? No?

Speaker 12 (12:37):
She just worked the counter.

Speaker 5 (12:39):
All right? So, okay, keep going with the story. So
what's going on now here?

Speaker 12 (12:43):
Here's so so, like I said, she cannot negotiate stairs
without assistance. Her employer, okay's for a bus.

Speaker 14 (12:50):
Pass, but got it?

Speaker 12 (12:52):
No way now to get back and forth to the
bus and on crutches. She's you know, it was one hundreds.

Speaker 6 (13:00):
That's not part of the work. That's not part of
the Let me explain something to you. The only thing
that matters is if she can work or not, and
how much work she can do, and if they accommodate her.
Now getting to in front of a bus and all
the other peripherals have nothing to do with the work
comp claim. And you can't say, for example, I can't

(13:20):
get a ride to work, and even though I'm cleared
to work, I can't.

Speaker 10 (13:24):
That's not an excuse.

Speaker 6 (13:25):
If she can't get there for the light duty, they
can terminate her. Or here's something else people don't realize.
And I hope we get we can get cliff Enton on.
But here's another thing people don't realize, and that is
they can fire her at any time if she can't
do any job and they can't accommodate her, they're not

(13:46):
forced to accommodate her. Hold on a second, Geoe, we're
going to try to connect with this attorney. It gets
you some really good information. And then we have Darryl Rogers,
Shirley and much more coming up, along with a houseful
of deputies and helpers and Major Markmouth to Major Mark
Major and me so stay tuned.

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Speaker 6 (14:39):
Hi Tom Martino here, Welcome to the show Man. We're
starting off with a bang here. Cliffenton, by the way,
our expert for workers comp and he also does personal injury.
I'll give you his contact info, but Cliff recommends you
talk to an attorney, even if you don't hire one
right away. You talk to him and get him on
board so they know what they're talking about and they're

(15:00):
familiar with the case. He'll take a few notes and
then if you need him and call him back, it's there. Hey, Cliff,
this one happens quite a bit. She was injured at
the beginning of March I'll excuse me, June.

Speaker 5 (15:13):
It's a simple story.

Speaker 6 (15:15):
She was injured and then she went to university hospital,
then to an ime.

Speaker 5 (15:20):
The ime says she can return to light.

Speaker 6 (15:22):
Duty right now, and her orthopedic surgeon, though, says she
should stay off her feet completely. So I need to
know what about conflicting reports? What does she do? Plus
she has a plethora of other problems that I don't
believe come into the claim, like she can't drive and

(15:45):
her ride would be difficult to get to get even
to the bus station is hard. Just a litany of
problems you hear every day. But Cliff, what about this case?
If one doctor says light to be, the other doctor
says she can't do anything.

Speaker 16 (16:01):
Good morning, Tom, How are you good?

Speaker 10 (16:03):
Cliff?

Speaker 6 (16:04):
Thank you for being here. We certainly miss your voice.

Speaker 14 (16:08):
Well, I appreciate that.

Speaker 13 (16:10):
You know.

Speaker 16 (16:10):
That is a very interesting question. It comes up more
than you would think. Yes, generally speaking, the opinion of
what's called the ATP, which stands for authorized Treating physician,
that's kind of the primary care physician on the work
comp case with Trump, that of a specialist. What I

(16:32):
would recommend and what we would do is we would
contact the adjuster, contact the insurance company and say, hey, listen,
you really need to be listening to the orthopedic doctor,
the expert, rather than the physiatrist or just the authorized
treating physician. Nothing that mandates them to go with the

(16:55):
one that's more favorable to the claimant.

Speaker 14 (16:58):
That's not what the law is.

Speaker 16 (17:00):
Can rely on the ATP, or if it was vice versa,
they could rely on the ATP.

Speaker 6 (17:06):
So right now though that right now, the primary case
care I'll call it not you know, it might not
be his primary care doctor, but this primary doctor for
the case literally trump's the surgeon.

Speaker 16 (17:20):
Yes, I mean someone's got a legally yes, as a
practical matter, most of the time, the primary care physician
or the ATP will listen.

Speaker 10 (17:36):
To the surgeon.

Speaker 5 (17:37):
Okay, now here's what I want to know.

Speaker 16 (17:39):
Contact. We'd write a letter to the ATP and say, hey,
why are you disagree with doctor X. He's the board
certified orthopoxic Yeah.

Speaker 6 (17:47):
So did your doctor? Did your attorney do anything like this?

Speaker 5 (17:50):
Joe?

Speaker 6 (17:51):
Did your attorney write a letter to get them to
talk or to find out why there's a discrepancy?

Speaker 5 (17:57):
Did or do you not have an attorney yet? Is
he there?

Speaker 6 (18:05):
I guess if he's not there, we can just move Geo, Geo, listen,
have you have you talked has your attorney talked to
the doctors? Okay? Now, okay. The fact that you haven't
talked to an attorney, and cliff Enton is one of
our preferred attorneys on referral list, I just want to

(18:26):
make it clear that that what he does here is
free of charge. But if you want to retain him,
that's a separate issue altogether. But he's a great attorney.
I just want to be transparent about that. We're not
on trying to get you to hire him. He's just
giving you information with no obligation. So jeou right now,
you haven't talked to anyone really about the discrepancy. You

(18:49):
didn't ask the surgeon. Hey, my other doctor says she
can do like duty. Did you did you actually have
a conversation with either doc?

Speaker 12 (19:00):
So she saw the the iam as you call it,
on tuesday, she saw the orthopedics last week. That's when
he said that she needed to be off of her
feet five four to six weeks, but she needed to
be stay.

Speaker 5 (19:15):
Off of it. Now, did you go back to the employer.

Speaker 6 (19:18):
Did the employer say that they could give her light
duty off.

Speaker 17 (19:21):
Her feet, not until yesterday. And what was the final
word yet? Just get to that, okay, I don't want
to recap everything. What was the final word from the
employer yesterday as far as light duty staying off her feet?

Speaker 12 (19:37):
All they said was, well, we can find you a
chair maybe.

Speaker 5 (19:43):
Okay, she This is my opinion. I don't know what
Cliff will say.

Speaker 6 (19:48):
My opinion is she shows up ready for work, and
if she can do it, she does it.

Speaker 5 (19:52):
And if they don't accommodate her, then she can't do it.

Speaker 6 (19:55):
Cliff, wouldn't that be the safe thing to do so
she doesn't get terminated?

Speaker 16 (19:58):
Yeah, because the real danger is, well, hey, if they're
making a job offer of modified duty, they have to
do that in writing saying hey, you know these are
the restrictions. We can accommodate the restrictions. Well, I don't
know if they've done that yet or not.

Speaker 6 (20:15):
But did you get a letter from the employer saying
how they would accommodate her.

Speaker 13 (20:20):
Not yet?

Speaker 5 (20:21):
Okay.

Speaker 6 (20:22):
What you do is have her contact her employer. Have
her contact her employer and say, please give me a
letter noting the light duty accommodation and I will report
for work, okay.

Speaker 12 (20:34):
But what about you feel the fact that it's going
to be extremely difficult to get to a same work.

Speaker 6 (20:39):
That part doesn't play into to it. It's it's it
really does it.

Speaker 12 (20:44):
It would cost us, It would cost us one hundred
and twenty dollars a day for her to get to
and from work. She would have to take an over.

Speaker 5 (20:50):
Geo, I can't solve that problem for you. I mean,
could you imagine the mess our system would be in
if our system had to pay for people to get
to and from work.

Speaker 6 (21:02):
I mean, it just doesn't work that way. It's not
part of the injury. It's it's not part of the treatment.

Speaker 16 (21:10):
What part of her injury prevents her from getting to
work as she only did.

Speaker 12 (21:15):
Her right ankle and foot is broken, so she cannot
drive and because having extremely difficult time on crutches navigating
there could cliff what do they do to get on
and off the box?

Speaker 5 (21:26):
Well, I mean I get it.

Speaker 6 (21:28):
GEO made his case that she's one hundred percent unable
to get to work. There, unable to get to work
without spending one hundred and twenty dollars a day. So
what happens in a case like that, Cliff. I mean,
let's talk about the cold heart system.

Speaker 5 (21:42):
How does it work.

Speaker 6 (21:43):
Do they say, oh, this woman's she's going to get
one hundred and twenty dollars a day from us because
she's different than Mary Smith down the street who only
needs a five dollars.

Speaker 16 (21:54):
No, they don't have to pay for her transportation to work.
You're absolutely correct and that, and for for the reasons
that you uh said. The basically everybody's responsible for getting
to their job. However, let's say that you know you're
on narcotics for your injury and you can't safely drive

(22:18):
that the argument could then be made, hey, I really
can't get to work. That that's a restriction that prevents
me from getting to work. I can't safely do that.
There's it's a very gray area. It's a matter that
you would that we would negotiate with the adjuster. We'd
call the adjuster and say, hey, you know, this isn't reasonable.

(22:40):
The person's on narcotics, they can't get to work, the
person has a broken angle ankle.

Speaker 6 (22:46):
I think what they're going to do is fire, and
I think she's going to get fired. And I and
Cliff they have every reason to fire her if she
says I can't get to work, that they're going to
fire her.

Speaker 16 (22:57):
So GEO just that the becomes a wrongful discharge thing,
which we don't do. That's a whole different area.

Speaker 8 (23:03):
Of the law, guys. I want to steer this a
different direction real quick. Then we'll take a break. But Cliff,
just a couple questions. One, what is the status of
people going at something alone during a workman's comp in
collecting money or getting money compared to someone with an attorney.

(23:25):
Is there stats out there like that for workmen's comp.

Speaker 16 (23:30):
You know, I don't know that there's specific stats, but
I've been doing this for thirty years and I can
tell you that it's a rare case where someone's going
to call the insurance company and then all of a
sudden going to say, oh, yeah, you're right, we're wrong.

Speaker 10 (23:44):
Here, we're going.

Speaker 16 (23:45):
To pay you a temporary to little disability. Hey, we're going
to give you all this all this money. I do
know that statistically, although I don't know the exact stet,
you're much more likely you get a fair impairment rating
fair medical care with an erect protected when you have
well yeah.

Speaker 6 (24:01):
Because first of all, they know they know they can't
bs them. Now get I gotta get to this break.
But here's what I want to say, Daryl. You have
a legit issue if she can't get to work. But
remember they don't have to make each and every accommodation.

Speaker 5 (24:15):
So as soon as you tell them she can't return
for light duty with restrictions, they're going to fire her.
So it doesn't sound like it's the most stellar job
in the world.

Speaker 6 (24:26):
She'll still get this case going, she'll still get what's
coming to her on this case, and she find another job.

Speaker 5 (24:33):
I don't know what else to say, Daryl.

Speaker 6 (24:34):
Because systems are not set up to accommodate people. We
don't have a nanny government. And again I'm not saying
you're asking for that, Daryl. Trust me, I know you're
in a hard place there, and I'm not making fun
of you or anything.

Speaker 5 (24:48):
I'm just saying the system.

Speaker 6 (24:50):
The government is not set up for each and every person. Okay,
it's very, very difficult unless you came to the country illegally.
Now we have more coming up on the Troubleshooter Show.
Let me give you Cliff Enton's contact Enton E. N T. E.
N Entin Law dot Com. Three o three three three
three two two two two. That's three oh three three

(25:14):
three three two two two two.

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Speaker 4 (25:41):
Help.

Speaker 15 (25:41):
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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 (25:52):
Hi Tom Martino here by did I tell you? You
can also text me on the show now iHeart has
a short code five seven seven thirty nine. Just text
me there or I have my private line. And by
the way, it is private. I carry it all the time,
so if you text me at night, I'll get it
and I put it in a folder to call you
back on certain problems. And this number you can even

(26:16):
text me about Wave eight Capital or whatever you want.
Now here it is seven four seven nine fifty two
eighty And the way I remember seven four to seven
is a big giant jumbo jet. I love nine nine
nine is because you can't do ten ten ten and that's.

Speaker 10 (26:35):
The closest to perfection.

Speaker 6 (26:37):
And fifty two eighty for the Mile High City seven
four seven nine nine nine fifty two eighty. We have
Mark Schmanski with us, and we'll be talking about issues
with stucco, because I'm getting some questions on stucco.

Speaker 5 (26:51):
Some people I believe don't even know if they have stucco.

Speaker 6 (26:55):
But I know Mark, along with Genesis Total Exteriors has
just about everything with UH when it comes to stucco
as far as knowledge and execution. Darryl right now has
an issue with an attorney. Darryl, what's going on?

Speaker 13 (27:12):
Both?

Speaker 14 (27:14):
Yes, I have an issue with an attorney. I acquired
this attorney last November eighteenth, and I spoke with him
about some problems that were going on with me and
my family.

Speaker 13 (27:30):
Basically, my mother is, well, give me.

Speaker 5 (27:33):
Give me some specifics.

Speaker 6 (27:34):
Like you, it's pretty odd to hire an attorney to
go after your family unless there's something going on, like specifically,
was it just was somebody about to die, or did
it have to do.

Speaker 5 (27:46):
With an estate or what?

Speaker 14 (27:48):
Well it has to do with an estateium and yes,
my mother getting old. What was going on? Was my
my mother? She voice to me years before that her
pension had stopped and she didn't she didn't know why.
This was back in twenty fifteen or twenty sixteen, and iiate,

(28:13):
I immediately thought that my sister had.

Speaker 10 (28:16):
Something to do with it, and did you look into it?

Speaker 14 (28:20):
Well, I the way I looked into it was I
tried to I did acquire this attorney, and he told me, okay.

Speaker 5 (28:29):
So that's one of the reasons you hired the attorney.

Speaker 6 (28:31):
You thought the sister somehow might have cashed out that
pension or something.

Speaker 5 (28:37):
Yes, yes, okay, okay, I would she.

Speaker 7 (28:41):
Have done that without your mom's permission? Did I miss
something or was she?

Speaker 10 (28:45):
Well?

Speaker 14 (28:47):
What she did was you know, with my mother not
really knowing. Took her to my mother's bank and sat
my mother down. I was there, went up to the
tell her, got some paperwork, brought it back over and
to my mother and basically made like my mother signed

(29:08):
it and took it back to the teller. That was
for her social security. But the pension part, my mother
told me that she was going to have quite as
she said, is no way, I'd spent all this money
and I'm going to have you know X amount of
dollars for you and your sister to split. And I
know it. My sister was going through some things with

(29:31):
her own family.

Speaker 6 (29:33):
Yeah, yeah, no, I understand this. It's all circumstantial. But
here's what I want to know. When you hired an attorney,
and remember, this is not an estate right now, this
is not This is a private family matter, and basically
no one has to tell you anything. But there are
things he should have asked. We'll go over that coming
up right after this.

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(30:15):
three seven seven to one.

Speaker 4 (30:16):
Help.

Speaker 15 (30:17):
home with Remax Alliance three all three nine two zero
sixteen twenty two.

Speaker 6 (30:27):
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(30:49):
four grand for everything to keep your water pure, your showers,
you're plumbing everything. So that's three oh three eight six
two five five five four. Darryl has an issue with
the family at you. And you know, here's the thing.
He hired an attorney because he suspected his sister was
somehow or somehow diverted the pension to her, because the

(31:11):
mom said, my pension stopped back in twenty sixteen. But
my god, it's taken you so long to get around
to this. Did you ever did you actually sue your
sister or when you hired an attorney, what action did
the attorney take.

Speaker 14 (31:27):
Well, the attorney said, well, the first thing you're going
to have to do is get conservativeship and guardianship over
your mother.

Speaker 10 (31:37):
All that's not true.

Speaker 6 (31:39):
I mean, in other words, you just wanted to know
what happened with the pension. You can do that with
your mother's permission. Your mother would give you permission to
access her account and work directly with the insurance company
with the pension. You wouldn't. You don't have to do anything.
I don't know why your attorney would tell you that.

Speaker 14 (31:57):
Yeah, he told me that. But my mother has dementia
and so.

Speaker 6 (32:02):
So she can't grant you. She can't grant you a
power of attorney to look at that account.

Speaker 14 (32:07):
Well, my sister she had got in power of attorney
through someone at her job about a year ago.

Speaker 5 (32:14):
Just you mean somebody at her job helped her get it.

Speaker 14 (32:17):
Yes, she has a notary at her job.

Speaker 5 (32:20):
And well, okay, all a notary does is, let's not
even get into it.

Speaker 6 (32:24):
A notary just says this person signed this document. They
do nothing about the formation of a document or anything.
Not one thing, not one thing do they do if
there's words spelled wrong and it's totally gobblygook, they do
nothing except certify that or notarized that you signed it.
That's all. That's the only function they have. So who

(32:45):
drew up this document?

Speaker 14 (32:49):
Who was a person at her job, a secretary or
do you have a copy of it. No, I don't.
She didn't and that was the problem. I never did
get to see it. When when when she first said that.

Speaker 5 (33:02):
You how many siblings are there? When you when you
get it, when your answers.

Speaker 6 (33:05):
Get too long, I need to okay, So just you
and her, just you and her? And how much money
do you estimate where it was in the pension?

Speaker 14 (33:17):
Well, my father who's deceased, he told me, now none
of that matters.

Speaker 5 (33:21):
I need to know what you think was in the
I just need to know how much you think the.

Speaker 14 (33:25):
Pension two hundred and fifty thousand dollars, which was that was.

Speaker 5 (33:29):
Still in it? That was still in it?

Speaker 14 (33:31):
Yeah?

Speaker 5 (33:32):
Okay?

Speaker 6 (33:33):
Now could you could you in a friendly way stay
to your sister. I'm concerned about this pension and put
it this way. I think maybe the company might have
screwed her. We should look into why it stopped. Can
you help me out? Would she help you?

Speaker 14 (33:47):
No, she wouldn't help me because I did ask Well
before I could even ask her, she said, Mom spent
all her money and she's not going to be able
to ford her house.

Speaker 6 (33:56):
The the So did she say that she took it?
Did she say she took advanced payments.

Speaker 14 (34:01):
No, No, she didn't say anything like that.

Speaker 6 (34:03):
Well, there's a reason. There's a reason pensions stop. There's
a reason. Okay, right, they don't just stop. What kind
of a pension was it?

Speaker 14 (34:13):
It was a pension from my father's employment.

Speaker 10 (34:17):
Okay, all right, it was it was.

Speaker 14 (34:19):
It was two hundred and fifty dollars put up in.
The interest off of that was probably fifty maybe a
little over five thousand dollars.

Speaker 5 (34:27):
Okay, So how much did she get? How much did
she get each.

Speaker 14 (34:30):
Month the pension was I believe it was like fifty
four hundred fifty five hundred. And she also has a
Social Security which is about sixteen hundred.

Speaker 5 (34:42):
So okay.

Speaker 14 (34:42):
My mother was saying, so.

Speaker 6 (34:43):
You think, here's the bottom line, you think your sister
is screwing your mom? Is you think your sister did
away with her pension and kept the money.

Speaker 5 (34:52):
Hold on and.

Speaker 6 (34:53):
I'm going to see what we can do. I'm just
going to see what we can do. Let's try to
get mackenzie on if we can. Dan would be a
good one if he can talk about this. What do
you do when you think someone's cheating? How do you
open this up? It happens more and more families.

Speaker 5 (35:11):
Mark.

Speaker 6 (35:11):
I don't know if you've noticed, but man, the calls
have multiplied on families going after families over estates. So
stick around for this and more on The Troubleshooter Show.

Speaker 15 (35:23):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 18 (35:27):
You don't pay a cent until you're content.

Speaker 15 (35:32):
Time for an insurance checkup free, no obligation in comparison
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of insurance companies find out now three o three seven
oh three nine two zero sixteen twenty.

Speaker 10 (35:52):
Two d.

Speaker 1 (36:00):
News needed by so you.

Speaker 12 (36:03):
Don't have.

Speaker 19 (36:05):
Come running.

Speaker 7 (36:07):
Just as fast as.

Speaker 2 (36:07):
We can show Shooter's gonna help come Man.

Speaker 3 (36:13):
Dix is the Troubleshooter Show.

Speaker 10 (36:15):
Now Tom Martino, Tom Martino here, Welcome to the show.

Speaker 6 (36:23):
Three zero three seven one three talk three oh three
seven one three eight two five five.

Speaker 5 (36:28):
What's going on? How can we help you? We ask
it every day forty.

Speaker 6 (36:32):
Five years here fifty years otherwise, but the longest running
show on the radio with the same host currently on
the air, and.

Speaker 5 (36:39):
By the way, that does not escape me. Then it
could have been over.

Speaker 6 (36:45):
And I'm so happy to be back here, and I'm
over the next few months, just says in a service
note here, I'll be up and down based on my
post surgery chimo, which they're doing.

Speaker 5 (36:55):
As a blast for caution, so that today is one
of those days.

Speaker 6 (37:02):
Just thought I mentioned it because I usually sound like
one hundred times better than Mark, but today I'm only
fifty times better, so I'm sure you noticed. And Dan
McKenzie is an expert that I wanted to get on because,
oh my god, he's an estate planning attorney and he
helps a lot of people.

Speaker 5 (37:22):
And this happens so much. I just it's outside of probate, Okay,
totally outside of probate. Dan. The mom has dementia, the
oldest daughter. There's just two of them.

Speaker 6 (37:33):
There's Daryl who called us, and his sister, and back
in twenty sixteen her pension stopped. The mom said, I
thought I had a lot more money in there. She
was getting a lot of money, like five thousand a
month or almost five thousand, and suddenly the payment stopped.

(37:55):
Right around that time, the daughter had a durable power
of attorney. Suspects that his sister got the money somehow,
so he called an attorney and what I'm not clear on, Darryl,
what did your attorney say to do?

Speaker 5 (38:13):
What?

Speaker 6 (38:14):
Let's check that first. What did your attorney say to do?

Speaker 14 (38:19):
He told me there is no way your sister should
be doing that. And he said, what you need to do?

Speaker 6 (38:26):
Well, if she wait, if she did do it, if
she did do it, there's no way she should be
doing that.

Speaker 5 (38:31):
Of course not.

Speaker 14 (38:32):
Yeah, yeah, this way he came in.

Speaker 5 (38:33):
But did he say did he say he would he
would find out what she did?

Speaker 6 (38:38):
If anything, there's a paper trail somewhere, right right exactly.

Speaker 14 (38:43):
He told me there's a paper trail somewhere, and he says,
the best thing you should do is get conservativeship and guardianship,
so you can so you.

Speaker 5 (38:52):
Can put Darryl Dryld.

Speaker 6 (38:54):
Okay, but but you come out of the blue for guardianship.
Who has guardianship right now? And that's not a power
of attorney, just so you know. Okay, So apparently apparently
then she's not incompetent.

Speaker 5 (39:10):
And what if you went over.

Speaker 14 (39:11):
There, she only got Why don't you a year A
year ago.

Speaker 5 (39:16):
Okay, a year ago?

Speaker 6 (39:17):
Okay, Then I don't know what she did back in
twenty sixteen.

Speaker 5 (39:20):
I don't know, but.

Speaker 6 (39:22):
You you can ask your mother, chick, why doesn't your
mom get a full accounting of her pension? And then
we'll see what happened to the balance of the money.
What she well she has to do. Why can't she
do it?

Speaker 14 (39:36):
I can't do anything right now because she's eighty seven
with dimension in the last stages.

Speaker 5 (39:40):
I mean, okay, okay, you said she's not declared dementia.
She doesn't have a guardian. So here's what you do.

Speaker 6 (39:46):
Instead of being assigned I mean, you can be assigned
a guardian, But how about getting her to sign a
power of attorney. Ask your attorney to write something up
for her to sign. Get her to sign it. No
one says she's just you know, if no one's disputing
her mental health right now, get her to sign. And
now listen, you're not talking to Dan McKenzie. Dan, what

(40:06):
do you do in a case like this? The mother
has to mention the sister has a power of attorney,
and I don't even know what the power of attorney
is for?

Speaker 5 (40:14):
Is it a durable power? Attorney? For everything?

Speaker 10 (40:16):
Darryl?

Speaker 5 (40:16):
Does she take care of everything?

Speaker 14 (40:19):
She takes it right now because she's off she's a
school teacher. She's off of school right now. She moved
over to Yeah.

Speaker 5 (40:25):
I don't care about where she moved. All I want
to know is does she take care of all the books?

Speaker 13 (40:33):
Yes?

Speaker 5 (40:34):
Yes?

Speaker 10 (40:34):
Okay?

Speaker 5 (40:35):
Now will she let you say them? Say? Hey, why
don't you put it to her?

Speaker 10 (40:40):
This way? Hey?

Speaker 5 (40:41):
Mary, you know our mom's pension stopped in twenty sixteen.

Speaker 6 (40:45):
There might be money on the table somewhere. We should
look into this. Would she help you look into it?

Speaker 14 (40:51):
No, she won't help me look into it. Why she is?
I have no idea. She's just like that. She's so.

Speaker 5 (40:58):
Here's what I don't understand.

Speaker 6 (41:00):
Why does your attorney feel all you have to do
is become is did he say you should open up probate?
First of all, Dan mackenzie, can you even open probate
when someone's still alive?

Speaker 13 (41:11):
Yeah?

Speaker 20 (41:12):
Yes, that is a conservative ship. That is a probate case.

Speaker 6 (41:15):
And and do you think that's good advice that he
go for that? And the sister's going to object, right, Daryl,
she's going to object.

Speaker 13 (41:25):
Right right, Okay, So when she had.

Speaker 5 (41:27):
When she had put oh hey, you already filed that,
it would have been nice if you told.

Speaker 13 (41:33):
He took me through the like Like I said.

Speaker 14 (41:34):
I acquired this attorney on last November and we've gone
through the whole thing. Had uh uh senior was the
senior social caseworker come to the house.

Speaker 5 (41:46):
Okay, I'm okay, So you did you did file.

Speaker 6 (41:49):
You did file a motion with the courts to open
a probate a conservative ship and take over. Right, So
did your your sister knows you filed it.

Speaker 14 (41:59):
Now she does, Yes, she does, and she's got an attorney.
And my attorney hasn't even told me that she has
an attorney, but she has an attorney.

Speaker 6 (42:07):
So your attorney, let me get this straight. So your attorney,
you have an attorney. So what was your Let's just
go right to this. What was your question for Dan
McKenzie today?

Speaker 14 (42:21):
My question for him is is it possible that I
was trying to get the house not to go into
probate court by applying my name, you know, even my
sister's name on the property.

Speaker 5 (42:37):
Do not do, do not do a quit claim. Do
not do a quit claim deed.

Speaker 6 (42:41):
I just posted something about that a quit claim deed
is not a good idea.

Speaker 5 (42:45):
Okay, I don't want to go into I don't want
to go into all the details.

Speaker 6 (42:49):
But it's always best, It's always best. Well, okay, let's
say ninety eight percent of the time. I'm sure as
an attorney, Dan McKenzie will say, you can't say always
because sometimes, but most of the time, it's better to
leave the house in a beneficiary deed or in a
will because then you get the stepped up basement excuse me,

(43:10):
basis of today's of today's value. So don't do stupid
things like a quit claim deed.

Speaker 5 (43:18):
All you need to do is a beneficiary deed.

Speaker 6 (43:21):
But if you do a beneficiary deed, it's either going
to be to you or your sister or both of you.
So is your sister in favor of a beneficiary deed.

Speaker 14 (43:31):
My sister won't talk to me.

Speaker 5 (43:33):
Okay, you want talk to Dan, I'm throwing this in
your lap.

Speaker 6 (43:38):
They want to make sure the house is preserved, but
they're not even talking to each other. So I don't
I don't know what do you do in a case
like this, Dan, where siblings aren't even talking. Can you
go to the court and say, hey, make her talk
to me.

Speaker 20 (43:51):
I mean, that really is the conservatorship route, you know that.
And the issue that is difficult is that when the
mom is alive, she's given power of attorney to the sister,
and really the sister's obligation is to the mom. She
doesn't really have an obligation to her brother at this point.
But Daryl, you can step into the shoes of your
mom by becoming her conservator, and at least that process

(44:13):
might squeeze out some information about exactly what's going on
here because it is a it is.

Speaker 14 (44:17):
A core process.

Speaker 6 (44:18):
So when he applies for it, she's going to come
and object, and that's where they can have this conversation
about the pension and all of that. Would he be
allowed to say, look, I'm doing this because there was
some questionable activity with that would open it all up.

Speaker 20 (44:32):
Right, Yeah, I mean, I suspect you could do that.
Once you're in a court case, You've got some discovery
tower probably and could ask for some documents about exactly
what's going on.

Speaker 6 (44:41):
So you're heading in the right direction, Daryl, Yes, But Dan,
as far as the house goes as far as the
house goes. He can't do a beneficiary's deed right now,
unless I mean, if I mean he could, Yeah, I
mean you're the sister would have to sign it, because

(45:02):
she's the power of attorney.

Speaker 20 (45:04):
Only if that power of attorney gives her authority to
do estate planning for on the mom's behalf. It's got
to explicitly give her that power.

Speaker 6 (45:10):
And okay, so it depends on the power of the
of the attorney, the.

Speaker 5 (45:16):
Power of attorney.

Speaker 14 (45:18):
Well, right now, the power attorney is just what it
was over her finances because I got my attorney got
through the courts an emergency conservatorship on my behalf so
I could least try to go into the accounts to
figure out what's going on. But the banks started giving
me trouble and they start saying, well, why in your
attorney doing this? You know, why are you doing this?

(45:40):
So I never did get too far with the attorneys.
I didn't get the did.

Speaker 5 (45:44):
It expire the temporary expire.

Speaker 14 (45:48):
It expired, then it was given back to me and
we go to course.

Speaker 6 (45:51):
Okay, so right now, let me get this straight, Darryl.
Right now, you have a temporary conservatorship right now.

Speaker 14 (45:58):
Yes, I do, Yes, I do.

Speaker 6 (45:59):
Okay, Man, you should have told me that upfront, because
here's why, Dan McKenzie. He can go and get a
complete accounting of that pension right now. Accountyp yep, Darryl,
you can contact the pension company with that, with that conservatorship.
Is there a Dan, how do you approve you have
a conservatorship? Does he have a certificate of something that

(46:20):
he can show the pension company?

Speaker 20 (46:23):
Yeah, he gets you should have emergency letters conservatives knowing
that he is the cost.

Speaker 6 (46:29):
All right, here's what you do, Darryl or no, I'm
not going to say here's what you do. We can't
give you legal advice. He's on the error as an expert,
and and I'm a host. But here's what we are saying.
If it was me and Dan was advising me, I
would go with that temporary conservatorship and take advantage of it.

Speaker 5 (46:47):
I would I would write right away.

Speaker 6 (46:50):
I would go back and demand a full accounting of
that pension. That pension is wallpapered by law. They have
every dime going in, every dime coming out. And if
she cashed it out, and if she made herself a beneficiary,
and then she could have done anything.

Speaker 5 (47:07):
So that's the.

Speaker 6 (47:08):
First thing you do. The second thing I want to
ask Dan McKenzie. Does he have now that he has
a conservatorship, though it be temporary, does he have the
right to use that to do a beneficiary deed?

Speaker 7 (47:24):
Oh gosh, I don't know.

Speaker 20 (47:26):
Actually, I mean, I think conservativeship probably is limited to
in some way just to do whatever the emergency addressed
the emergency. And I don't know if a beneficiary deed
is really an emergency issue.

Speaker 6 (47:37):
Well, but it could be a fiduciary item where he says,
I am leaving this house to my sister and me
for the benefit of the estate.

Speaker 5 (47:47):
Who would object to it?

Speaker 6 (47:49):
Would Does sister object Daryl to a beneficiary deed naming
both of you?

Speaker 14 (47:55):
I don't know. At this point, she's so well, well, well,
let me ask you.

Speaker 5 (47:57):
Does she think she's entitled to everything?

Speaker 14 (48:01):
Yes, she thinks she's entitled to everything.

Speaker 5 (48:04):
Why Why is that.

Speaker 14 (48:06):
Because she because she makes more money? I guess.

Speaker 10 (48:12):
Okay, listen to harrol Idea.

Speaker 14 (48:14):
She's because she said, she said, well, I'm can't afford
this house. I'm going to have to come over there
and and and help out with the with the uh,
with the with the upkeep of the house.

Speaker 5 (48:23):
Is the house paid off, Darryl? Is the house?

Speaker 10 (48:27):
It is paid off off?

Speaker 14 (48:28):
And she was trying to make me pay rent at
the same time. And I moved Why do I moved
into the I moved in five years before she came there.

Speaker 5 (48:37):
So how long have you been living with your mom?

Speaker 14 (48:40):
I've been living with my mom since two thoy fifteen sixteen.

Speaker 5 (48:45):
The same time the pension went missing, right well, and
your sister can blame you. Look at do me a favor, Daryl.

Speaker 6 (48:53):
We this just gets getting deeper and deeper, and you
keep telling us new stuff like, for example, I have
led with I have a temporary conservativeship with my mother
that I'm living with. I mean, that's really so ask
your attorney please, because I can't talk to him. I
don't know if your attorney's doing good or bad. But
the attorney did not give you bad advice as far

(49:14):
as opening up a conservatorship. But now you got to
use the powers of that conservatorship to find out one
thing at a time. Find out what happened to the pension.
Contact that company. Your attorney should write a letter to
them and give a copy of the conservatorship and help
you with this. Okay, he needs to help you with
things like this. We got more coming up on the

(49:35):
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Time for an insurance checkup free no obligation comparison call
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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 6 (50:28):
Hi Tom Martino here Drew seven one three eight two
five Let's keep going here and surely wants to talk
about service and sales on a Cadillact.

Speaker 5 (50:40):
This is a pretty new Cadillact.

Speaker 10 (50:42):
Shirley.

Speaker 5 (50:42):
Did you buy it new?

Speaker 19 (50:45):
Hey?

Speaker 13 (50:45):
Yes, I did, Shirley.

Speaker 5 (50:47):
Where did you buy it from?

Speaker 19 (50:50):
Automation Dodge on Eastern rapa Home?

Speaker 6 (50:55):
Okay, man, we get a lot of complaints. Mark, have
you noticed about that dealership?

Speaker 1 (51:02):
Really?

Speaker 13 (51:02):
Great?

Speaker 6 (51:03):
Well no, no, we get that particular dealership, that particular dealership.

Speaker 5 (51:09):
So tell me the issue.

Speaker 6 (51:11):
You bought a new twenty twenty four Cadillac and what's
going on?

Speaker 13 (51:16):
They used them?

Speaker 19 (51:17):
It's a used one. It had oh use weet twenty
one thousand miles on it. It's a twenty twenty four
traded in a twenty twenty one Grand Jeep Cherokee. The
price of the car, the Cadillac was thirty seven five.

(51:41):
They gave us twenty seven five for a tradeing of
the jeep, so that meant we had to come up
with thirty or eleven thousand some.

Speaker 5 (51:52):
Which So how much did you get? How much did
you get for that jeep?

Speaker 17 (51:57):
Oh?

Speaker 19 (51:59):
No, what did we get for originally?

Speaker 14 (52:02):
No?

Speaker 5 (52:02):
What did you what did they give you on your trade?

Speaker 6 (52:05):
You?

Speaker 19 (52:06):
Twenty seven five?

Speaker 5 (52:07):
Okay, yeah, you said that. I didn't get it. So
then on that twenty seven to five, did you have
a loan?

Speaker 13 (52:14):
No?

Speaker 5 (52:15):
No, okay, okay, keep.

Speaker 19 (52:18):
Going, okay, So we had to give them in turn
eleven thousand some odd dollars, which was fine, no problem, right,
except there were start right from the beginning, there were
some red flags and I we kind of ignored them.
But when we first started in on the process, we

(52:44):
are here, how.

Speaker 5 (52:47):
We give me general start?

Speaker 19 (52:49):
They started the process and in the stack of papers
to show you what all is going to happen and whatnot,
in that pile was the warranty and it said no warranty,
huge letters, no warranty. Well I went, I said, why
on earth would it have warranty? And he said, oh,

(53:12):
never mind that, and he just took it, took out
a new warranty and marked it. Yes, okay, okay, all right,
So immediately I he marked.

Speaker 6 (53:23):
It on the contract, on the purchase contract where it
showed thirty seven to five minus twenty seven to five
a balance due of ten grand, and then on the
contract it says warranty, yes, yes, yes, okay. You know
I can talk to your husband if you want me to.
I can talk to him because I know he's behind

(53:45):
you or you know, whichever is easier, So go ahead.
So warranty marked, yes, go ahead, Yes, So.

Speaker 19 (53:52):
They changed it and we did have a warranty.

Speaker 5 (53:54):
So I felt, did you know did you know what
kind of warranty?

Speaker 6 (53:57):
I mean a warranty could be like five miles. I
mean when it said warranty, yes, what kind of warranty?

Speaker 19 (54:06):
Five years? No, five days or two hundred and fifty miles.

Speaker 5 (54:11):
Okay, So you know that for sure that's the warranty
that was giving you.

Speaker 19 (54:15):
Yes, yeah, five.

Speaker 6 (54:17):
Days or two hundred and fifty miles. Okay, So keep
going with your well, keep going with your story.

Speaker 5 (54:23):
Okay.

Speaker 19 (54:24):
So then I'm thinking, okay, I and originally I thought
it said five days or two hundred and fifty miles. Well,
we started having problems from day one, and by the
time we got it back okay, I'll start back.

Speaker 6 (54:40):
It is it is five days or two hundred and
fifty miles, whichever is shorter. That's the way it is
in every warranty in the world. And it would have
clearly would.

Speaker 5 (54:49):
Have clearly said that in your document, and I'll guarantee
it does.

Speaker 19 (54:54):
Okay. Well, that's what we kept thinking, and he said No,
it had to be both. It had to be under
or on the fifth day. And yeah, only yes, only
two fifty miles.

Speaker 13 (55:07):
Right, Well, were what a name is?

Speaker 6 (55:09):
Surely surely if it's over two hundred and fifty miles
and it's the third day, you're out of a warranty.
It either triggers in five days or it triggers at
two hundred and fifty.

Speaker 5 (55:20):
Miles, whichever is sooner. You don't have two.

Speaker 6 (55:23):
Deadlines, you have one depending on when it happens. So
the first five days you have coverage unless you hit
two hundred and fifty miles. So are you saying you
had a problem within the first five days but the
warranty expired.

Speaker 5 (55:39):
Yes, if that's the case.

Speaker 6 (55:42):
Okay, what is the problem that surfaced.

Speaker 19 (55:47):
The day started rattling on our way home?

Speaker 5 (55:50):
What did it?

Speaker 6 (55:51):
What did it end up being? And I want to
go right to the bad part. What problem did it
end up having?

Speaker 19 (55:57):
Okay, So when I got home, I called back, can.

Speaker 5 (56:00):
You tell me? Can you tell me what the problem is?

Speaker 6 (56:02):
Get right to the part where it was diagnosed and
they turned it down.

Speaker 5 (56:06):
What's the problem.

Speaker 19 (56:09):
I don't understand that.

Speaker 6 (56:11):
You don't understand the question it's the most basic question
in the world. You're calling me because your new car
had a problem. I'm asking what the problem was that
they would not cover.

Speaker 5 (56:22):
Did did the warranty turn you down? Let me let
me start there. Did they turn you down?

Speaker 17 (56:27):
No?

Speaker 19 (56:27):
They had me bring it back, okay, And then we
did the which I did the very next day, day two,
we took it back to have have. They said to
bring it back and we'll fix it, which was fine.

Speaker 13 (56:43):
All right.

Speaker 19 (56:43):
So now we're on day two and.

Speaker 6 (56:46):
I don't I want to try not to go through
each and every day. Could you just tell me what
you're calling about. Listen, surely I'm interested in this, trust me.
I just want to get to the problem, the problem.
Then we work backwards. What is the problem that had
you call us today?

Speaker 19 (57:03):
It was still rattling after they said they fixed it.

Speaker 5 (57:06):
Okay. Now the rattling. Is this rattling in the dash itself,
like a mechanical rattle or does it sound like it's
coming from the engine.

Speaker 19 (57:15):
No, it came from, of all things, where the sunglass
holder is on the dash. It was rattling and it
was making this horrible noise. So we took it back
and they said, yeah, we fixed it, didn't didn't fix it.
And the dashlights there were two dashlights that kept coming

(57:37):
on so while and this was while it was under warranty,
right absolutely.

Speaker 6 (57:45):
Yes, Okay, good because if they can't fix something under
warranty and the warranty expires, that one item is still.

Speaker 5 (57:54):
They still have to fix it. But I got to
give you some bad news.

Speaker 6 (57:58):
And the bad news is that rattle may not have
been covered to begin with. It may have been an
exclusion because usually noises and rattles are not covered.

Speaker 5 (58:07):
That's why I asked you if it was.

Speaker 6 (58:11):
A structural thing with the engine or the transmission or
the drive train, or was it cosmetic like like you said,
the mirror, the dash None of that will be covered
under a warranty.

Speaker 19 (58:23):
Even like the light. The lights that flashed on that say.

Speaker 6 (58:28):
Caution, Well, if you have an idiot light come on,
they should investigate the cause of that. But remember you
had a right to investigate the cause of that as well.

Speaker 5 (58:39):
So what did it turn out to be? The lights
going on?

Speaker 19 (58:43):
They never told us. They told us to bring it back.

Speaker 5 (58:46):
D What did you want to say? Go ahead, just
hold on, de go ahead?

Speaker 1 (58:49):
Sureley? How many miles do you have in this Cadillac.

Speaker 19 (58:53):
Thirty good?

Speaker 1 (58:55):
Okay, good answer, that's okay, okay, you got to keep going.

Speaker 11 (58:57):
According to the Internet, the twenty four Cadillac Acts comes
with a four year, fifty thousand mile bumper to bumper
warranty from the manufacturer.

Speaker 5 (59:04):
Well, it may not be transferable in this case.

Speaker 11 (59:06):
Well, I've never heard of a bumper to bumper warranty
that's not transferable.

Speaker 5 (59:09):
I've heard of plenty of them.

Speaker 6 (59:10):
First of all, if they don't do it in a
certified fashion acceptable to the manufacturer, the certification does not
carry through the secondary owner. Also, there's another one, and
that is if that particular car was a Lemon buyback,
you don't get the you don't get the extension and mark.
There are a number of others that Hyundai has. Right
conditions before bumper to bumper, it's all. It is what

(59:32):
it is most of the time. On bumper to bumper
it is what it is, but on the power train.

Speaker 10 (59:36):
But it has to be certified right.

Speaker 1 (59:38):
Well, and I agree with you answering, no, I would love.

Speaker 5 (59:41):
It if she has a manufacturer. Surely he's saying you
have a manufacturer's warranty, right.

Speaker 11 (59:46):
Now and she can find out for sure whether the
warranty is an effect and what the dashboard warnings are for,
because that sounds more serious than a rattle. With a
simple trip to the Cadillac dealership. Are you are you
costing nothing to stop?

Speaker 5 (01:00:01):
Have you gone to a genuine Cadillac dealership?

Speaker 19 (01:00:04):
No, because we don't have one in our area. Where
do you live in Yuma, Colorado?

Speaker 6 (01:00:11):
Okay, Well, it doesn't matter that there isn't one. You
have to find one, and you have to have them
take your VIN number. They run your VEN number to
make sure that there are warranties or not, and and
and then once you know.

Speaker 8 (01:00:23):
You can even call up talk to the service department
and say, hey, I just bought this, tell me about
the warranty, and then get it right.

Speaker 6 (01:00:30):
They can look up you're right, Mark, She can do
that by phone and they can look up your VIN.

Speaker 5 (01:00:36):
How far is Yuma from Denver's?

Speaker 1 (01:00:38):
Probably?

Speaker 10 (01:00:40):
Wow?

Speaker 6 (01:00:41):
And so okay, would Denver be the closest place?

Speaker 19 (01:00:48):
Yeah, pretty much.

Speaker 6 (01:00:52):
Okay, why don't you call a Cadillac dealer to be with,
given your VIN number and see if it's still under
warranty and tell them you bought it used. Tell them
the story. Don't tell the story about your problems. Just
say I'm looking for a place to service my Cadillac.
I bought it twenty twenty four with you know how
many miles on it, and I'm looking to get it serviced.

(01:01:13):
Is it's still under factory warranty? And if it is,
your problems are solved.

Speaker 1 (01:01:18):
Oh, by the way, there is a Cadillac dealership in Greeley.
It's called Cadillac.

Speaker 19 (01:01:22):
Yeah, Greeley the same amount as Dry.

Speaker 6 (01:01:25):
If it's the same amount, avoid Greeley like you would
avoid herpes in open sore herpes.

Speaker 5 (01:01:31):
Avoid Greeley.

Speaker 10 (01:01:32):
So Tom, Hey, Tom, I'm well familiar with Rickenbaugh Cadillac.
It is a phenomenal dealership and that would be back Collins, right, No, Rick, Well,
but they're right downtown Denver office Spear great great dealer,
Mark Schimanski.

Speaker 5 (01:01:47):
You've had personal experience with them? Yes?

Speaker 10 (01:01:49):
I have?

Speaker 5 (01:01:49):
Okay, good?

Speaker 6 (01:01:50):
So the warranty Mark just for five days, two hundred
and fifty miles. The problem with the dash rattling, and
the dealer took it back and said they fixed it,
but they didn't. That's it in a nutshell, right, How
bad is it right now? How bad is it right now?

Speaker 19 (01:02:03):
Well, if the lights are still coming on and the
rattle's still there, and we can fix the rattle by
holding the glasses holder.

Speaker 8 (01:02:14):
You could just yeah, I'm sure it's one of those
metal clips. Well then then it has less than thirty
six thousand miles though.

Speaker 19 (01:02:20):
Right, yes, absolutely, and we called them on day five.

Speaker 5 (01:02:27):
Okay, listen, it's we get back.

Speaker 10 (01:02:30):
We can't.

Speaker 6 (01:02:31):
You can't return the car. I mean, it's a warranty.
It's not a guaranteed refund or is it.

Speaker 5 (01:02:36):
Is it a guaranteed refund for five days?

Speaker 19 (01:02:40):
For five days?

Speaker 6 (01:02:41):
It should be no, not if you went over two
hundred and fifty miles. Did you go over two hundred
and fifty miles? Yes, Well, then it's not that your
warranty expired at two hundred and fifty miles.

Speaker 5 (01:02:54):
It's not five days. Listen. Let me give you an example.

Speaker 6 (01:02:57):
When you take it from the factory, and let's say
you get a three year, thirty six thousand mile warranty,
you don't have if you put two hundred thousand miles
in that car, you're not going to have a warranty
for the next three years.

Speaker 5 (01:03:09):
It doesn't work. That way. Everybody in the world knows that.
I don't know why you think you have five dais
retired car.

Speaker 7 (01:03:15):
Great brother.

Speaker 5 (01:03:16):
Okay, let's take this break. Then we got more coming up.

Speaker 15 (01:03:23):
dot com.

Speaker 18 (01:03:27):

Speaker 15 (01:03:32):
Time for an insurance checkup free, no obligation comparison call
insurance companies find out now three O three seven seven
to one.

Speaker 4 (01:03:43):
Help.

Speaker 15 (01:03:43):
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 5 (01:03:56):
Hi Tom Martino here, Welcome to the show.

Speaker 6 (01:03:59):
Okay, by the way, somebody did text me about a
dealership being pretty close to her. Well, I don't know
if pretty close, but they said Vince's GM Center in Burlington.
How much closer? Is Burlington? Much closer?

Speaker 5 (01:04:17):
Okay, so they're closer to Huma than Greeley or.

Speaker 6 (01:04:21):
Denver, So she might want to check that. But we
have to take this one step at a time. Is
it under warranty from the factory. That would be great.

Speaker 5 (01:04:33):
If it's under warranty from the dealer. If the dealer
never Let's put it this way, if the dealer never
checked the car and fixed it under warranty, that even
that five day warranty could be longer. So the argument
I would make is you never fixed the original problem.

(01:04:54):
It's still under warranty. Therefore I want to return the car.
But here's the problem. We don't know what the problem is.
She has a rattling in idiot lights.

Speaker 6 (01:05:07):
So if I was her, I would take it to
another dealer and find out what's wrong with it. Then
go back and say, here's what's wrong with it. You
didn't fix it while it was under warranty, so fix
it now because that warranty was never satisfied. Okay, Charles,

(01:05:31):
you have a question about probate. Go ahead, Charles.

Speaker 13 (01:05:34):
Oh yeah, Tom, I need a referral for a probat attorney.

Speaker 5 (01:05:39):
Okay, I can give you one. Dan Mackenzie. He was
just on the show earlier answering questions. He's a good guy,
mackenzie law and I'll give you his number in a second.
Tell me what the problem is.

Speaker 13 (01:05:54):
My partner passed away and we had a will and
the judge voided it.

Speaker 5 (01:06:03):
Now the partner. Was this a conventional marriage or you
just somebody you lived with?

Speaker 13 (01:06:11):
We lived together, and you've.

Speaker 6 (01:06:13):
Held yourself out. Did you hold yourself out as husband
and wife? Like introduced her as your wife or your husband?
I don't know, you know, did you do it that way?
Did you guys consider yourself married?

Speaker 13 (01:06:27):
Pretty much?

Speaker 10 (01:06:28):
Yes?

Speaker 5 (01:06:29):
Okay?

Speaker 6 (01:06:30):
And why did the court void? And who your partner died?
I'm sorry about that. When did your partner die?

Speaker 13 (01:06:40):
September twenty year, twenty twenty three.

Speaker 6 (01:06:45):
Back in twenty twenty three. And then you tried to
open a probate?

Speaker 13 (01:06:50):
Yes?

Speaker 5 (01:06:52):
Okay?

Speaker 6 (01:06:53):
And what happened when you tried to open a probate?
The judge wouldn't let you, or it opened and closed?
Tell me about that.

Speaker 14 (01:07:01):
Oh, it opened, we went to trial.

Speaker 6 (01:07:06):
And you went to trial. So this was for your
common law wife. You want to open a probate and
they would not let you.

Speaker 13 (01:07:17):
No, they let me.

Speaker 9 (01:07:19):
Why did they will?

Speaker 13 (01:07:23):
It was a hearing type?

Speaker 5 (01:07:25):
Yeah, okay, who is contesting it? I want to know
who is contesting the probate? I mean, usually if you
want to open a probate for your wife. Who's going
to protest? I mean, there's got to be someone who
thinks that they should have got that they should get.

Speaker 6 (01:07:40):
The estate or something first, first, for discussion purposes, and
because we live in today's world. Are we talking about
a wife?

Speaker 13 (01:07:49):
We were not married, but you're talking.

Speaker 6 (01:07:52):
About a common law wife, someone that you introduced as
your wife.

Speaker 5 (01:07:56):
You guys considered yourselves married. Is that correct?

Speaker 13 (01:08:00):
Yes?

Speaker 5 (01:08:01):
Did you co mingle finances?

Speaker 13 (01:08:06):
We filed taxes together.

Speaker 6 (01:08:08):
Good, you're married. Now here's the I'm just saying that
in a quick review. I don't I don't want to
give you legal advice on that, but I assume that
you were common law married. Now, your common law wife
died in.

Speaker 5 (01:08:19):
Twenty twenty two, twenty three, twenty.

Speaker 6 (01:08:24):
Twenty three, and then you went to the courts win
to open probate.

Speaker 5 (01:08:31):
A week after and then it was opened. Why was
it challenged?

Speaker 13 (01:08:38):
The daughter challenged it.

Speaker 5 (01:08:40):
Okay, that's see. Now That's what I was getting at
is this is not your daughter. This is her daughter.
We got a break, brother, Okay, hold on, we'll come
right back to you.

Speaker 15 (01:08:49):
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(01:09:12):
seven seven to one help. You'll think you're his only

Speaker 6 (01:09:23):
Hi Tom Martino here three O three seven one three
eight two five five. So, uh, we're uh, let's take
another problem here, and uh, we're just going to have
to Charles this probate thing. Why did they close it?
I'm going to take another problem I should have said

(01:09:44):
after the break, Why did they close it when your
daughter contested it?

Speaker 5 (01:09:50):
On what grounds? Did your daughter contest it? It was
her daughter, so she believes she should get everything correct,
and she probably tried to bring up the fact you're
not married, right correct? Did the courts recognize you as

(01:10:10):
married or not?

Speaker 6 (01:10:10):
Did they make a decision, no decision, Well, the decision
was that you couldn't do probate.

Speaker 5 (01:10:19):
Did they allow her to do probate.

Speaker 13 (01:10:22):
No, I did probate. It was in the will.

Speaker 5 (01:10:26):
I understand it was in the will that you opened probate.

Speaker 13 (01:10:31):
Yes, and they appointed me executor.

Speaker 5 (01:10:37):
Okay, so why did the court? What did the court do? Exactly?
You didn't tell me. What did they do? Well?

Speaker 13 (01:10:48):
My witness? No?

Speaker 5 (01:10:51):
See, hold on, no, Charles, I don't want to hear about.

Speaker 6 (01:10:53):
The case at all, not one day, not one utter
of testimony.

Speaker 5 (01:10:57):
I want to know what did the judge decide in
her favor that it was in the door. Did they
make her the executor?

Speaker 13 (01:11:10):
Yeah?

Speaker 6 (01:11:11):
Okay, hold on and we'll get our attorney on about this.
I'm Tom Martino, and we have a follow up that
Deputy Dmitri has been working on with a contractor and
more on the Troubleshooter Show. We're working hard to solve problems. Also,
we have Genesis Tootalexteriors dot Com in the house.

Speaker 5 (01:11:27):
More on that coming up.

Speaker 15 (01:11:30):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot Com.

Speaker 18 (01:11:34):

Speaker 15 (01:11:39):
Time for an insurance checkup free, no obligation comparison call
insurance companies.

Speaker 5 (01:11:47):
Find out now three all three seven to seven to
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Speaker 15 (01:11:50):
durand the real estate man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two.

Speaker 5 (01:12:00):
Y'all ripped up.

Speaker 1 (01:12:07):
New need advice so you don't have.

Speaker 5 (01:12:12):
Come running.

Speaker 2 (01:12:13):
Just as fast as we can shoot is gonna help
come Man Dix is the Troubleshooter Show.

Speaker 7 (01:12:22):
Now, Tom Martine, Hi.

Speaker 5 (01:12:25):
Tom Martino here, welcome to the show.

Speaker 6 (01:12:27):
Let's answer your questions, try to solve problems and take
your complaints. And I'm gonna get Charles ready for an
attorney because and we'll have the attorney on uh, if
not later today tomorrow. His common law and wife died
in twenty three. He opened probate one week one week later,

(01:12:47):
and her daughter contested it. Now here's the thing. The
daughter had standing. The course found and they found you
didn't have standing. So basically the courts were saying you're
not married because if you were married, how long were
you married?

Speaker 13 (01:13:05):
Well, we didn't have paper, No, how.

Speaker 5 (01:13:07):
Long were you together? I know you didn't have papers.

Speaker 6 (01:13:10):
Common law marriage doesn't have papers, but you're married just
the same under certain circumstances. Again, it can be challenged
very easily. And it was so how long were you together?

Speaker 13 (01:13:22):
Twenty years?

Speaker 5 (01:13:24):
Okay? And that whole time you talked about her as
being your wife. Yeah, okay, exclusive, Now did you live together.

Speaker 13 (01:13:37):
The whole time?

Speaker 6 (01:13:39):
Okay, Charles, I don't see why the courts said you
were not a spouse and we're not entitled to any
Did they grant you anything at all? Like spousal rites,
which is half of the estate. It's ten percent a year, No,
I think it's ten No, it's over ten years. It's
fifty percent of the year state So however many percent

(01:14:01):
that would be per year? So you're saying that they
you got nothing, and they appointed her daughter, right, and
her daughter is now the personal representative, right, yes, okay,
Now that doesn't mean that you lost your rights. It

(01:14:23):
just means you're not the personal representative. And frankly, Charles,
that's a pain in the ass. But can you show
by will that or by common law it self? But
can you show by will that she had meant to
leave you?

Speaker 10 (01:14:38):
Stuff?

Speaker 13 (01:14:40):
I found a new will, and when was the new will?
Drafted two years after the first one.

Speaker 5 (01:14:49):
Okay, her latest will?

Speaker 6 (01:14:52):
What does her latest will say.

Speaker 13 (01:14:56):
That she's leaving me the house?

Speaker 5 (01:14:58):
And the daughter can and contest that. What is the
is the daughter saying.

Speaker 13 (01:15:02):
No, hey, I just got served papers.

Speaker 5 (01:15:07):
Why would you get served papers?

Speaker 13 (01:15:11):
She found emotion to dismiss.

Speaker 6 (01:15:14):
Okay, to just okay? Okay? And what why is she
what inner motion? Why does she say she wants the
will contested?

Speaker 5 (01:15:23):
Because she's doing everything the right way And I'm not
saying you didn't do things the right way.

Speaker 6 (01:15:29):
There was really nothing for you to do. You live
with a woman, and now you just want to get
the house she said she would leave you. So what
is in the estate other than the house.

Speaker 13 (01:15:42):
Personal furnature?

Speaker 5 (01:15:45):
Is the house paid off?

Speaker 17 (01:15:47):
Yes?

Speaker 5 (01:15:49):
How much is it worth?

Speaker 13 (01:15:52):
Tis hundred?

Speaker 5 (01:15:54):
Okay?

Speaker 6 (01:15:55):
And the daughter saying hell no. So what does your
attorneys say to do at this point?

Speaker 13 (01:16:03):
I don't have one.

Speaker 5 (01:16:04):
Okay, you need to find an attorney and fight this. Okay,
you do.

Speaker 6 (01:16:10):
They look past your common law marriage, but that was
only for personal representative. If they made the daughter the
personal representative, she still has to abide.

Speaker 5 (01:16:20):
By the will.

Speaker 6 (01:16:21):
So just because she's personal representative doesn't equal, I get everything.
So Charles, you really need an attorney, and uh, you know,
and I do have a I do have one that
we that you should at least check with, and that's
Dan McKenzie. Mackenzie law. Let me give you his number.

(01:16:47):
He got something to take his number down. Yes, okay,
three oh three co plans. Just follow the letters on
your phone A three to three C plans and on
the on the internet. It's on the net. It's co
plans dot co. Thank you, all right, thank you very much.

(01:17:12):
Three oh three seven one three eight two five five. Now, Dimitri,
you're working with a guy named Roger. This is a
follow up and uh what is.

Speaker 5 (01:17:20):
We get to the camera here? What is this all about?

Speaker 10 (01:17:23):
Rome?

Speaker 11 (01:17:23):
Well, you know you may recall that on June ninth,
Dorothy Roger's wife called because they had contracted with a
door knocker for some concrete and asphalt work in their driveway.

Speaker 5 (01:17:34):
And that call was when that was on the ninth.

Speaker 11 (01:17:37):
Okay, Dorothy called this and I have since began to
work with with Roger. So they contracted with somebody who
came to their door and it's called C NJ Concrete
and Asphalt Repair.

Speaker 5 (01:17:47):
Yeah, I remember that.

Speaker 11 (01:17:48):
Yeah, and since then, Dorothy and Roger sent me, excuse it,
at least a dozen photographs of just an awful looking.

Speaker 5 (01:17:56):
They put steps on the house and they did a
terrible job.

Speaker 6 (01:18:01):
They came back and redid the job, additional work on
like diamond cutting the driveway, and so the contracted amount
of forty nine hundred she paid in full. The job
was completed around Well she's saying it's not complete.

Speaker 11 (01:18:18):
Well, you know, it's hard to tell from the photos
the degree of completion, but if it was redone, it really.

Speaker 1 (01:18:24):
Was done kind of amateur issually in my opinion, and
so it was really you went out and looked at it.
They sent me dozens of photo I can't go out
got it.

Speaker 11 (01:18:33):
And what Roger wanted was surprisingly only a seven hundred
dollars refund. Why I'm not sure how he came up
with that, but that's what he wanted.

Speaker 5 (01:18:42):
And that was Roger and Dorothy.

Speaker 1 (01:18:44):
Yeah.

Speaker 11 (01:18:44):
Yeah, And so I actually was able to get a
hold of Grandpa Joe. It's CNJA Concrete and Asphalt repairs.

Speaker 5 (01:18:54):
And last week, Grandpa Joe, this is really your grandfather.

Speaker 1 (01:18:57):
Well I don't know.

Speaker 11 (01:18:58):
About okay, actual status. See, I know he goes by
Grandpa Joe, and Grandpa Joe told me that he'll come
by Roger's house this week and give him seven hundred bucks.
So I talked with Roger. He thought that would be
pretty cool if that actually happened. And Roger told me
that he'll call us back and tell us what happens.

Speaker 1 (01:19:18):
So apparently he's on the line to kind of fill
us in on the latest.

Speaker 5 (01:19:21):
Okay, so what's going on with you, sir Dorothy and.

Speaker 10 (01:19:28):
Roger?

Speaker 5 (01:19:28):
What's going on?

Speaker 21 (01:19:29):
Roger, Well, it's Thursday. I have not had any contact
with Grandpa Joe. And what I've found out who these
people trying to communicate with him is they will tell
you exactly what you want to hear and do anything.

Speaker 5 (01:19:46):
About it, even Grandpa Joe.

Speaker 21 (01:19:51):
Even Grandpa Joe, you know that's not the owner.

Speaker 1 (01:19:57):
We don't even know who the owner is.

Speaker 5 (01:19:59):
Tom.

Speaker 11 (01:19:59):
What one of the problems is I was unable to
locate a company called CNJ Concrete and Asphalt Repairs with
the Secretary of State's office. Furthermore, Roger sent me photocopies
of at least two checks that they wrote to this company,
but all the checks and I take that back, all
the checks were written to individuals. They wrote checks to
either two or three different indivents. Weird, So I don't

(01:20:22):
think there's even a company like that. There is no
address on their web they don't have a website, there's
no address on their business card.

Speaker 1 (01:20:30):
It's just first names.

Speaker 5 (01:20:31):
That's really This is really an informal door knocking.

Speaker 1 (01:20:34):
Yeah.

Speaker 11 (01:20:35):
I think it's just the two or three clowns that
go around and you know, collect money for amateurist jobs.
So if Grandpa Joe does not show up today or
tomorrow with a check, I think Roger and Dorothy are out.
I mean, there doesn't even seem to be a company
to go after. So Roger, I'm really sorry to hear
that he hasn't been there yet. But man, there's I

(01:20:55):
don't think there's anything else to be done.

Speaker 21 (01:20:58):
Well, yeah, I agree with that, and I if I
knew how to get a hold of them, I would
have in the meantime, And like you say, you can't
get a hold of anybody, Well no, I did get.

Speaker 1 (01:21:11):
A hold of people. I'm just saying that.

Speaker 6 (01:21:13):
They promised the world. They just keep talking. They just
make promises.

Speaker 1 (01:21:18):
Yeah, we have phone numbers for all these guys.

Speaker 21 (01:21:22):
Yes, the original thing was my front steps leading.

Speaker 5 (01:21:25):
Up to my house. Right, I remember that.

Speaker 21 (01:21:28):
They did a terrible job.

Speaker 5 (01:21:30):
They redid it, right, Yeah, and you're still not happy. Listen, listen,
Let's wait, let's just do this.

Speaker 6 (01:21:36):
Let's wait to see if we hear from them, and
if you hear from them, I mean, and then just
let us know and we'll take it from there. That's
that's all I can tell you. Three oh three seven
one three eight two five five.

Speaker 15 (01:21:53):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 18 (01:21:57):

Speaker 15 (01:22:02):
Time for an insurance check up, free no obligation comparison
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 8 (01:22:28):
All right, three oh three seven one three A two
five five We got lines open. You've been ripped off
for taking advantage of or just need some help? Get
those calls in.

Speaker 7 (01:22:37):
Get him in right now.

Speaker 8 (01:22:38):
Three oh three Martino, three oh three seven one three
A two five five. I got Deputy bo sitting across
from me, Deputy D at the remote undercover location. And
here's the deal. I got to assign him some cases.
Three oh three Martino. Now I want to jump into
all the hell we've got and guys, please, and I'm
talking to Mark uh and I'm talking to Matt So.

(01:23:01):
Matt Stanford's with Paragon Services, Mark Schamansky's with Genesis Total Exteriors,
who we talk about all the time. By the way,
your guys did a bang up job on our house. Man,
it looks absolutely great.

Speaker 10 (01:23:13):
Great.

Speaker 8 (01:23:14):
In fact, when Omar came and did that last punch list,
he did some really cool stuff. I'm not gonna I'm
not gonna tell you about it because I'm afraid you
might build.

Speaker 10 (01:23:22):
Me extra That's right.

Speaker 5 (01:23:23):
I think I have a change art coming.

Speaker 7 (01:23:24):
Yeah, change order.

Speaker 8 (01:23:25):
Hey I heard lemon size hail. Did this really happen
or is that just something? I mean it was out
east or something baseball size hail that'll go.

Speaker 4 (01:23:40):
Through you, that'll damage your coffee table.

Speaker 7 (01:23:42):
So there's nothing.

Speaker 8 (01:23:43):
I mean, I don't care like I've got a hailproof
roof and it's thick. Yeah, that's what I'm saying, because
you gotta think of how quick that stuff just because
the pure weight of it. Now, when I looked at it,
Suzanne had some pictures. Here's what I thought.

Speaker 7 (01:23:58):
It looked like a.

Speaker 8 (01:23:59):
Bunch of the smaller stuff somehow all got together in
the atmosphere.

Speaker 10 (01:24:04):
That's how it happens, is you have you start with
pea size. Yeah, a rain drop freezes as it's coming down,
and then wind will push it back up and it
connects with another it refreezes, and there refreezes and it
comes down it's melting and gets pushed back up in
the air and refreezes. That that's how you get the
bigger head.

Speaker 8 (01:24:20):
There was holes in houses, like you said, literally holes
in the roof, sunlight coming in.

Speaker 10 (01:24:27):
Dogs, you know, I mean livestock.

Speaker 7 (01:24:29):
So what do you oh, yeah, then you think of
that like livestock, especially out east. I mean, that's crazy.

Speaker 8 (01:24:35):
But besides, and this is why I like why you
guys teamed up. So besides the roof and mark you
guys do everything you do. If it's stuccoh you can
redo the stucco, siding, paint.

Speaker 7 (01:24:47):
Whatever, it is.

Speaker 8 (01:24:48):
But Matt, you go out there because a lot of
these insurance companies simply want to say, oh yeah, we'll
pay for the roof, and then they kind of slime
ball their way away and what other things. When you've
at decent sized hel and it doesn't have to be
hal that comes through your roof like we're talking about.
But when you get a good hailstorm, what are other
things you guys are finding on homes a roofers, don't.

Speaker 10 (01:25:11):
I tell you? I mean, we just had one Elizabeth
that happened with about three weeks ago, four weeks ago.

Speaker 7 (01:25:16):
That was a big one that hit our that hit
frank down.

Speaker 10 (01:25:18):
Too right, and that one, I mean a home before
had some hailed image on the roof. But now all
their windows are getting replaced. Every one of their metal
clad windows has damaged.

Speaker 8 (01:25:28):
And listen to this, people, this is one of the
biggest saying. Insurance companies want to just glance over the window.
The glass doesn't have to be broke by any means
that little seal. Explain, the seal on the windows match.

Speaker 4 (01:25:42):
So if part of the frame of the window is
damaged not I mean a lot of people just look
at the glass and say, hey, that's not broken. But
if the frame is damaged or the plastic beating.

Speaker 8 (01:25:53):
Or pure MIC's not working, man, we got to get
you swapped around somewhere.

Speaker 7 (01:25:57):
Go over to that other sea.

Speaker 10 (01:25:59):
Is mine working because I think yours is okay because
my headpines aren't.

Speaker 8 (01:26:03):
Yeah, go ahead, So pick back up on the seal.
So even though the glass isn't broke on windows, the
seal can get broke.

Speaker 7 (01:26:10):
And you explain what that means.

Speaker 10 (01:26:11):
Yeah, So basically, your your glass pack is called an
ig pack, is a sealed piece of glasses, a piece
of glass with a space rim between and that makes
a double pine glass or tipple pane or quad paying glass.
And so that that air gap can get compromised by
getting hit and if that happens. If that happens, then

(01:26:32):
your your window is obviously just defective at that point
and it needs to be get redone.

Speaker 8 (01:26:36):
And you can't necessarily see it so unless someone inspects
it correct. Now, where you see condensation when it gets
really hot.

Speaker 10 (01:26:44):
And you know a lot of times in the morning
or in the evening is when you get to see
the condensation.

Speaker 7 (01:26:49):
How many times do you run into that matt all
the time.

Speaker 4 (01:26:51):
I mean there's there are people that they slowly see
fog creeping in between the panes, and that's a broken seal.
Happens all the time, all the time. And insurance company
sure as hell, don't point it out right. And I
gotta say, the four your thieves at some point. Well,
it's kind of like with a whole warranty. You know,
you have a whole warranty. They show up trying to

(01:27:13):
figure out a way to deny the claim.

Speaker 7 (01:27:14):
Yeah, that's it, But they don't even they don't even
point it out right, don't They'll they'll overlook it and
mark how much your windows Let's say some of these
homes hit in Elizabeth are up in a monument wherever.
It is, like, how much your windows in the average
house you get replaced?

Speaker 5 (01:27:29):
Oh yeah, I mean you're like twenty thirty grand, Oh
for sure.

Speaker 10 (01:27:33):
I mean you know you're looking anywhere from you know,
fifteen eighteen hundred bucks a hole to three thousand dollars
a hole.

Speaker 8 (01:27:38):
What else besides windows? Everybody knows about the roof, how
about your siding?

Speaker 5 (01:27:42):
Size?

Speaker 10 (01:27:42):
Siding? This the same house we're talking at.

Speaker 8 (01:27:44):
Our house when you did it after the hailstorm We
didn't actually have damage on the hardy board, but the
paint was damaged and you got to say full paint
out on all four exactly.

Speaker 10 (01:27:56):
And that that that can happen too where just the
paints damage in the side in itself is okay if
you have vinyl sighting, it could but holds through that right.

Speaker 8 (01:28:02):
Through it right Or that happened out by the airport
years ago. It looked like someone took a baseball shooter.

Speaker 5 (01:28:09):
It just plused. It looks like Swiss cheese.

Speaker 7 (01:28:12):
Yeah, like Swiss cheese. And then what else? So like
my outbuildings, you ended up doing roofside yeah.

Speaker 10 (01:28:17):
And so that you obviously got even fencing. See your
fencing go around the house.

Speaker 8 (01:28:21):
We've got a lot of people have that plastic fence,
vinyl fence, popholes.

Speaker 10 (01:28:26):
Right in it, right right into it.

Speaker 7 (01:28:28):
Yep, your deck saying you got my deck covered that particular, well, well.

Speaker 4 (01:28:32):
Look at that very often. But that's a big one too.

Speaker 7 (01:28:34):
So people that don't know Matt's a public adjuster. This
is really important.

Speaker 8 (01:28:37):
When your insurance company comes out and like I'm saying,
all they want to talk about is a roof after
a hailstorm. There is so many other things they're just
not going to bring up to you. They're just not
going to do it. If you have a lot of
fencing you need to walk around, even if it's a
six foot picketed privacy fence, if that hail hits, it
damages the stain and basically makes it anything you get

(01:29:01):
that in the claim.

Speaker 4 (01:29:02):
That's right offences, especially if it's stayed. If it's just
raw wood, you know, I can get a power washed
for you if there's broken pickets, obviously at least money
to power wash it, and then use that money for
something else if you want. But the bottom line is
get as much as possible.

Speaker 7 (01:29:15):
Yeah, get as much.

Speaker 8 (01:29:16):
What is your average matt like if someone comes out
and let's say the roof is twenty grand, the insurance
company cuts them a check for twenty grand, and in
a bad hailstorm, what do you generally up end up
getting after you get involved?

Speaker 4 (01:29:30):
Usually I mean, at a minimum, on an average, probably
thirty five to forty percent. But some of them have more.
But some of them I'm able to double. I remember
that skylight one they offered them.

Speaker 8 (01:29:40):
It was the most ridiculous thing I've ever is the
best example I have of why to get a public adjuster.
They offered her eight hundred bucks. Actually they offered her
eighteen hundred, but she had one thousand dollars deductible, which
brought down to check eight hundred bucks. I think you
got her around sixty to one hundred thousand dollars up
to eighty eighty grand. And then the other big one was.

Speaker 4 (01:30:01):
A lab laboratory in Wirsville the fires.

Speaker 8 (01:30:06):
Listen to this, folks. The insurance company came in. It
was a commercial claim. They offered them how much originally
for smoke damage?

Speaker 5 (01:30:13):
They wanted to clean it for sixty grand?

Speaker 7 (01:30:15):
Sixty grand? What did you end up getting them? Almost
six million, six million dollars on both of mine. How
much were my initials?

Speaker 5 (01:30:24):
Zero?

Speaker 7 (01:30:25):
Zero on both mine?

Speaker 8 (01:30:27):
My insurance company said pound sand. As soon as I
got Matt involved. On the first one eighty grand, it
went from zero to hero zero to eighty thousand. On
the second one it went from zero. We're that finish
out March. I think insurance company adjusters are total thieves.

Speaker 7 (01:30:48):
That's what I think. That's my opinion.

Speaker 8 (01:30:50):
I'm sure there's some good ones out there, but when
there's a big hailstorm like what we're talking about these.

Speaker 7 (01:30:56):
Guys going to lockdown mode.

Speaker 8 (01:30:58):
All they're trying to do is basically get away with
writing zero or the least possible amount. And that's where
these guys come in. These guys can come out to
your damaged property and look at more than the roof.
You got any questions? Three oh three seven one three
eight two five five, I've got to break. It gets me, actually,
it truly gets my blood pressure up because both times

(01:31:20):
Matt I was literally hit with denials.

Speaker 7 (01:31:22):
Both times, and how many times does that happen to people?
But they don't know to call a public.

Speaker 4 (01:31:27):
They don't know they have rights, they don't know that
we exist.

Speaker 7 (01:31:30):
They don't even understand their policy.

Speaker 4 (01:31:32):
They just go, oh, we don't have any damage good
and they have no idea. They're sitting on tens of
thousands and they're like.

Speaker 8 (01:31:37):
Oh, hell, State Farm or Safeco or whoever told me
I had none.

Speaker 7 (01:31:41):
I guess that means I had none.

Speaker 8 (01:31:42):
Everybody holds my three oh three Martino.

Speaker 15 (01:31:51):
Go with a sure thing Denver's best roofer Excel roofing
dot com.

Speaker 18 (01:31:55):

Speaker 15 (01:32:00):
Time for an insurance check up free no obligation comparison
of insurance companies find out now three all three seven
to 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

Speaker 7 (01:32:23):
All right, three oh three seven one three eight two
five five.

Speaker 8 (01:32:26):
We've been talking about all kinds of things, but this
hailstorm and when it comes to adjusters. We had a
call during the break someone wanted your phone number, Matt.
But it is so important to get a public adjuster.
I just can't stress this enough. I literally would have
left over one hundred and thirty thousand in the last
few years on the table if I didn't hire Matt.

(01:32:47):
And I'll be straight with you, here's how Matt works.
What do you charge if they bring you in in
the beginning twenty percent, It's it's always ten ten percent.

Speaker 7 (01:32:55):
So listen.

Speaker 8 (01:32:56):
If they're offering you thirty thousand dollars and you bring
Matt in and he gets you sixty, you got to
give him ten percent of that. But a lot of
the times you kind of get paid by the claim too,
because because there's things in the language where say the GC,
the general contractor gets an additional ten percent over the.

Speaker 4 (01:33:16):
Damage twenty percent, So you're getting overhead and profit is
what that's called.

Speaker 8 (01:33:22):
If he comes in and gets you overhead and profit,
for example, you end up not paying him anything. In fact,
you end up in some cases making ten percent more
to put in your boxy.

Speaker 4 (01:33:33):
Right then, I wouldn't be around very long if it
wasn't a win win win, No, of course.

Speaker 8 (01:33:37):
So I mean if you go even if you had
to pay ten percent of what he gets for you,
think about it. They offer you thirty thousand, great, you
get thirty thousand bucks. Matt gets involved, gets you one
hundred thousand, and you end up giving him ten percent
of that hundred thousand. And that's always at the end.
It's not like they pay you up front. They pay
you based on performance. But even if you got you

(01:33:59):
a million, it's still it's going to be ten percent.
Although I really big claims like that, you negotiate sure
that one like a six, you're not getting ten percent.

Speaker 4 (01:34:09):
Gave them a break, yeah, of course.

Speaker 8 (01:34:11):
But on your typical job too, homeowners, you pay him
ten percent, But what would you rather have thirty thousand
or ninety thousand on one hundred thousand dollars claim that
he gets right?

Speaker 7 (01:34:21):
I mean, it's ridiculous.

Speaker 8 (01:34:23):
But once again, I want people to understand how many,
how many home policies do not have overhead and profit.

Speaker 4 (01:34:30):
I don't think I've ever seen one that doesn't have it. Now,
whether or not they want to pay it is a fight.

Speaker 7 (01:34:35):
Yeah, you got to fight for it. So if he
gets you overhead in profit, you can he cost you nothing.

Speaker 8 (01:34:41):
He literally costs you nothing. And let's explain what overhead
and profit is. Overhead and profit generally you can go
after if there's more than one thing wrong with the house.

Speaker 3 (01:34:51):
Is that right?

Speaker 4 (01:34:52):
Well, it used to be the three trades rule. So
if they explain the silly trades. Let's say you have
hail damage and your roof got hit, and you need
paint on your siding yep, and you've got some windows
that are broken.

Speaker 7 (01:35:04):
Yeah, that's three years the trades.

Speaker 4 (01:35:06):
So that warrants overhead and profit because you need somebody
to manage those separate trades.

Speaker 8 (01:35:10):
Yes, So like on my last claim that they told
me zero, you got me money for the person that
would put in the sliding door. That was the door company,
the hardwood people because our hardwood was ruined.

Speaker 7 (01:35:23):
And then what that brought up was paint because when
they did the hardwood, you have to remove the base
and then put the of course the base back in,
and then repaint whatever walls there were. So those were
the three and you got me overhead and.

Speaker 4 (01:35:35):
Profit exactly the perfect example of that.

Speaker 7 (01:35:38):
And then another one. I'll give you another good one.

Speaker 8 (01:35:41):
Another thing that's in a lot of these homeowners is
if you have to be out of the house, Like
when we were having our hardwood done, we ended up
just staying in our RV right in our own driveway.

Speaker 7 (01:35:52):
But a lot of people don't have that. They might
have to go to a hotel, and that should be
covered if you.

Speaker 8 (01:35:58):
Can't be in the house. The only reason we couldn't
be in the house is all the dust in everything
from doing all the hardwood in our house.

Speaker 4 (01:36:05):
Right, they should pay for temporary housing, most of them
up to two years.

Speaker 7 (01:36:09):
And then you guys teamed up together.

Speaker 8 (01:36:11):
This is what I love so kind of Mark in
Genesis after a hailstorm, you can only be in one place.

Speaker 7 (01:36:17):
You end up you're the one with the license.

Speaker 8 (01:36:19):
You end up doing everything with the insurance company, reading
over the policy that the caller has and making sure
they get every nickel due to them. But Mark, you
and your guys get out there on the ground and
not only check the roof, because of course you do roofing,
but you're checking the siding, You're checking the decks, you're
checking the fencing, you're checking everything.

Speaker 10 (01:36:40):
Yeah, we walk around the whole house, the whole property
and look for everything that is correct.

Speaker 8 (01:36:46):
One of the things, we've got a little bridge that
goes over our water feature leading in our front door.
I don't know if you remember this, but on that
one four years ago, part of that eighty thousand, you
got us standing and restaining on that entire bridge.

Speaker 4 (01:37:00):
I remember you laughing because you're like, I walk over
that every day. I never noticed you notice it. But yeah,
we got some money for that.

Speaker 7 (01:37:06):
It's funny.

Speaker 8 (01:37:06):
You got us money for the deck, which I couldn't believe.
For the bridge, I couldn't believe. Oh, I'll tell you
the craziest one that he got his money for.

Speaker 5 (01:37:13):
Mark.

Speaker 7 (01:37:13):
I bet you can't guess what it was.

Speaker 10 (01:37:15):
Your concrete patio.

Speaker 8 (01:37:17):
Well, actually he did get us that, but that's not
what I'm thinking about, right, Which one landscaping we added?
They got plummeled and he got us one thousand or
two thousand bucks for a tree?

Speaker 10 (01:37:28):
Yeah, to replace the tree. And that's pretty rare that.
The landscaping one is tough one.

Speaker 5 (01:37:33):
Yeah it is.

Speaker 4 (01:37:33):
It really has to be blasted pretty good. But I
got along with that adjuster if you remember so, uh.

Speaker 7 (01:37:38):
Oh, he loves that story.

Speaker 4 (01:37:39):
He loves this is the first one.

Speaker 7 (01:37:41):
This wasn't the was a guy. Yeah, explain explain adjusters
real quick.

Speaker 8 (01:37:46):
I love this conversation because after a hailstorm, this is
information everybody should know.

Speaker 7 (01:37:51):
So I apologize to the callers. I promised, I'll get
to you.

Speaker 8 (01:37:54):
I promised, But this everybody needs to know this stuff
because if I have one goal in life, it is
to go after insurance companies because a lot of people
all they do is pay more and more and more
each year and never turn into a claim or they
get turned down on a claim. And this is where
a guy like Matt comes in. So adjusters the first
one we dealt with at my house. I remember he

(01:38:16):
didn't work for the insurance company. I had an insurance
company that I was kind of grandfathered into, and they
pulled out of Colorado, so they went and hired and independent.
But a lot of times, someone like Safeco or State Farm,
they can have an.

Speaker 7 (01:38:31):
Adjuster that actually works for them.

Speaker 5 (01:38:33):
Right.

Speaker 4 (01:38:34):
Most of the big companies have their own staff adjusters
so they can handle the volume. Most of the time,
they'll deploy from other states.

Speaker 8 (01:38:40):
Which ones are better to work with, if that even
makes sense, or they're all the same.

Speaker 4 (01:38:45):
Oh no, they're definitely not all the same. The best
ones that I can rattle off, Amika is really good
and they're their adjusters.

Speaker 5 (01:38:54):
Yes, Acuity Acuity.

Speaker 8 (01:38:57):
I never hear anything negative about that company ever, But
they cost a crapload a month.

Speaker 4 (01:39:03):
And these ones I'm mentioning are not cheap. Chubb that's
another one.

Speaker 7 (01:39:05):
Hub's great.

Speaker 4 (01:39:06):
Yeah, but they're expensive policies.

Speaker 7 (01:39:09):
But use your guys should meet with and they actually
go over the should They don't fight with yet tooth
and nail on everything.

Speaker 4 (01:39:15):
Any supplements or any code upgrade stuff I send to
them is not even a problem for them to address
and send money out for.

Speaker 8 (01:39:22):
So I turned in a claim, and I'll tell this
story real quick. I turned into claim less than two
years ago, but we waited like six seven months to
do it because honestly, what happened is water got in,
hail piled up on our door, and it melted because
the time of year, it melted as soon as the
storm went away and got in and ruined our hardwood.
But it was remarkable. Hardwood's crazy. When it's wet, it

(01:39:46):
can do this wave, but then as it drives over time,
it can almost look perfectly normal again. So we gave
a time, didn't think about it, and sure enough it
just didn't go away. So finally I put the claim in.
Six months later, they outright denied me. He said, nope, nope, nope.
First of all, you don't have flood insurance. I said, well,

(01:40:06):
funny enough I do, and I sent them the addendum
where I do have flood insurance and then they still
said no. And that's when I called you. The second time,
Matt gets involved. And first thing he did was he
made him come out to the house. You know, when
they declined me, they didn't even come out. They just
said I didn't have the coverage for what I was describing.

Speaker 7 (01:40:26):
Didn't even look at it, think about that, didn't even
look at it.

Speaker 5 (01:40:29):
They at least tell you that they to come out
at least look at it, right.

Speaker 8 (01:40:32):
So finally he's like, yeah, I'll meet him over there,
and we end up meeting him. Matt was actually a
extra for what movie Into the Wild?

Speaker 7 (01:40:41):
Into the Wild, So if you ever.

Speaker 9 (01:40:43):
Watch him, great bookmark.

Speaker 7 (01:40:44):
Oh it's a great movie. If you haven't watched it,
it's unbelievable. But he's in the movie all the time.
He's the extra. So what was crazy about it? In
where I'm getting to and you know, I'm happy, I've
been married thirty one years.

Speaker 8 (01:40:56):
Matt's a pretty good looking guy. I mean, I have
a lot of people to ls you look like who
what's the guy's name, Bradley Cooper, Like Bradley Cooper, younger
Bradley Cooper. So this lady comes knocking on the door.
Matt's already at my house waiting for her to show up.
And I didn't know as a lady. He might have known.

Speaker 7 (01:41:14):
You did know because you.

Speaker 4 (01:41:15):
Sounded like a lady on the phone.

Speaker 1 (01:41:17):
So I sounded like a lady.

Speaker 8 (01:41:18):
So basically, she comes knocking at the door and I
look out there, and she was around Matt's age and
I'm like, slam dunk, this is gonna be easy.

Speaker 7 (01:41:29):
She comes in, they start walking the house.

Speaker 8 (01:41:31):
She's eyeballing him like a bulldog looking at a bone.
He's schmoozing her and cruising around the house. And then
next thing I know, they leave and mac go's h's handled.
It's gonna be about forty grand just like that. That's
the kind of person you need. Everybody, hold on.

Speaker 15 (01:41:52):
Go with a sure thing Denver's Best Roofer Excel roofing
dot com.

Speaker 18 (01:41:56):

Speaker 15 (01:42:02):
Time for an insurance check up free no obligation comparison
all three nine two zero sixteen twenty two.

Speaker 7 (01:42:24):
You know I'm bad at given the numbers.

Speaker 8 (01:42:26):
That too when we have someone like Matt and Genesis
in and the reason that is, I mean I get
I start thinking to the insurance company. I don't think
it of Hey, you know people want the phone number,
but people keep calling. Turn the break and email and
so listen here it is Paragon Services.

Speaker 7 (01:42:40):
This is Matt.

Speaker 8 (01:42:41):
Get him involved right after, in fact, you had hail damage.
What are the areas that have been nailed?

Speaker 7 (01:42:45):
Guys?

Speaker 4 (01:42:46):
Well I heard Milligan. Wherever the heck?

Speaker 5 (01:42:48):
That is John John John?

Speaker 10 (01:42:50):
Sound everything east of my twenty five up north and
then down you both?

Speaker 7 (01:42:54):
Do you guys? Cover you go for Collins?

Speaker 10 (01:42:56):
Yeah? We know we yeah, we go wherever you.

Speaker 8 (01:42:58):
Go, wherever you need to be. Basically what happens is
they just get you all the money. I mean, I
don't know how to put it. Genesis Total Exteriors h
three oh three six seven nine eighty five O nine.
They'll check out not only the roof, but they'll look
at everything you got going three oh three six seven
nine eighty five oh nine. They'll bring Matt in and
then Paragon Services. That's Matt seven nine seven to two

(01:43:20):
six zero zero twenty and Jr.

Speaker 7 (01:43:22):
And Eve.

Speaker 8 (01:43:23):
I promise, and whoever's on three, I'll get to you
as soon as we get past a break.

Speaker 7 (01:43:26):
But we only got a minute.

Speaker 8 (01:43:28):
I do want to say this, So if you've had
a claim a hail claim, and what when when can
you keep reopening one year?

Speaker 4 (01:43:36):
We have one year typically we have one year to
file it from the date of the storm.

Speaker 7 (01:43:40):
Now, once you file it, when can you go back
and add to it?

Speaker 4 (01:43:45):
You you have two years to dispute it.

Speaker 7 (01:43:47):
Two years.

Speaker 8 (01:43:48):
So listen, if you filed a claim like last year
and it was a good hailstorm and all they did
was the roof, and you think, because you know you've
walked around your property and there was other damage you
never got paid for, you can reopen that same claim.

Speaker 7 (01:44:03):
And not have any downside. Right, it's not a second claim. No,
it's the same exact claim.

Speaker 8 (01:44:09):
There's no In other words, you won't get penalized by
your insurance company come renewal time and Matt can come
out and try to get you the money.

Speaker 7 (01:44:18):
Even if the roof was already done.

Speaker 4 (01:44:20):
Right, you know. And it depends also if the customer
or homeowner has a supplied documentation for their remaining funds
on the claim. A lot of times that closes the
book and then it's like, okay, well now we have
to read it. Just depends.

Speaker 7 (01:44:31):
It depends, but you can.

Speaker 8 (01:44:33):
I mean, it's worth a phone call to it is
it's definitely worth a phone call and say here's what happened.

Speaker 10 (01:44:38):
What if the home owner didn't know that damage then?
And I'll say it's been a year after Okay, Hold.

Speaker 8 (01:44:42):
On, guys, we'll do this after seven one nine seven
two six zero zero twenty seven to one nine seven
two six zero zero twenty that's Paragum Services. Please call
these guys up, both of them. Great Eva Jr. Drew
Drew hold tight.

Speaker 15 (01:44:58):
Go with a sure thing best roofer Excel Roofing dot com.

Speaker 18 (01:45:02):

Speaker 15 (01:45:07):
Time for an insurance check up free, no obligation comparison
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all

Speaker 5 (01:45:33):
Ripped news You need so you don't have you come
run insous fast as you can.

Speaker 2 (01:45:44):
Shooter's gonna help.

Speaker 8 (01:45:46):
Come man, this is.

Speaker 3 (01:45:49):
The Troubleshooter Show. No Tom Martinez, Welcome my friends to.

Speaker 7 (01:45:53):
The only show of its kind.

Speaker 8 (01:45:55):
We've been here for almost fifty years, solving problems, answering questions,
taking complaints, recovering money. In fact to the tune of
almost four hundred million dollars in refunds and exchanges and services.

Speaker 7 (01:46:10):
That's what we do.

Speaker 8 (01:46:11):
You're dealing with a bad contractor maybe you're dealing with
a bad landlord, we want to help you.

Speaker 7 (01:46:16):
We also want to educate you. We've been talking to.

Speaker 8 (01:46:19):
A couple great guys that are on a referral list
at referral list dot com. Marknmatt. Matt's a public adjuster.
Mark Schmansky owns Genesis Total Exteriors. They've done a ton
of work for Susanna and I. So any questions you
have about hail claims or anything else like that, we'd
love to hear from you. I'm going to get right
to the phone, though. We've got three people holding one

(01:46:40):
line open. Three oh three, Martino, Eva, your first, Eva.

Speaker 7 (01:46:45):
What is going on with you?

Speaker 17 (01:46:48):
Hi?

Speaker 19 (01:46:48):
How are you doing?

Speaker 22 (01:46:50):
My son he's thirty seven, and his father that's the way,
and his mother and.

Speaker 5 (01:47:00):
As grandmother.

Speaker 22 (01:47:01):
Sorry and uh, they left the money unclaimed property. The
bank called my son out of the blue and told
them that they have unclaimed property.

Speaker 8 (01:47:13):
And he's next to pen so he didn't have a
will or anything, right, No, there was no probate. I
mean basically, he's just next to Ken and that's all
there is. Yeah, okay, so what's your question.

Speaker 22 (01:47:27):
I don't know where to go from here.

Speaker 8 (01:47:29):
Well, generally with a bank like that, you should be
able to go up there with the death certificate in
the smallest state affid David. So I want you to
remember that second part, smallest state Affidavid. But wait, I
just thought of something. Is it under eighty thousand?

Speaker 22 (01:47:45):
Well, the bank said it's a substantial amount.

Speaker 7 (01:47:47):
I don't know what that.

Speaker 8 (01:47:48):
Yeah, I don't know what that means. But I think
the smallest state AFFID David, it can only go up
to eighty thousand. So if it's less than eighty thousand,
you can fill that out. It's pretty straightforward.

Speaker 9 (01:47:59):
I believe you can down it right on the State
of Colorado's website.

Speaker 8 (01:48:05):
You can get it right on the Colorado State website,
but just google Colorado's small Estate AFFI David. And then
basically you're going to have to have the certified copy
of the death certificate and then proof he is the son,
and then that should be it.

Speaker 7 (01:48:20):
That's what a bank would generally need, those three things.

Speaker 22 (01:48:24):
Yeah, we don't know how they got his number.

Speaker 17 (01:48:26):
Two.

Speaker 8 (01:48:26):
We have no idea how that if he was a beneficiary.
You sure he wasn't listed on the account, it is
a beneficiary.

Speaker 22 (01:48:34):
I'm not sure of anything yet.

Speaker 8 (01:48:36):
Well, hold on a second. So there's two things. If
he set up his son is a beneficiary.

Speaker 7 (01:48:41):
Was he married.

Speaker 5 (01:48:43):
No?

Speaker 8 (01:48:44):
Okay, So if for whatever reason he set up his
son is a beneficiary. Like I have a checking account,
I have a savings account, I have business accounts on
those accounts when I open them up, Suzanne, my wife
is a beneficiary. So if I was to drop right now,
she would literally inherit those accounts. She'd have to show

(01:49:04):
up to the bank and just show proof that she
is the listed beneficiary in their system, and she would
have full access to the account. But generally what they
do is transfer that money into an account, or write
her a check, or cash her out whatever.

Speaker 14 (01:49:19):
I mean.

Speaker 8 (01:49:20):
She wouldn't actually use that account, but she would have
access to transfer everything.

Speaker 22 (01:49:25):
I just thought his dad would have told him, because
he spent the last month of his life with him.

Speaker 9 (01:49:29):
How long ago did he pass away?

Speaker 5 (01:49:31):
Eva?

Speaker 22 (01:49:33):
Probably three months ago?

Speaker 18 (01:49:34):
Well, then I am.

Speaker 9 (01:49:35):
Guessing that he was listed as the beneficiary and that's
how they got his number. It's just a guess. But
half the death certificate, his birth certificate showing that his
dad was his dad, and his ID right mark.

Speaker 8 (01:49:49):
Yeah, but didn't end the small You're going to have
to do a small state affidavit no matter what. That's
really easy though, Literally you download the form, fill it out.
You might have to have it notarized, but because it's
a bank, you can probably haven't notarize literally right there
while you're doing it. I do have a question though,
when they called him, For the life of me, I
don't understand why he didn't ask him what I mean,

(01:50:12):
what did they say that when they called.

Speaker 12 (01:50:14):
Him, They said that he had to.

Speaker 22 (01:50:19):
Register for the gain planning property something like that.

Speaker 8 (01:50:24):
Well, okay, okay, but he only died three months ago. Yeah,
so there's two things here. You just threw it off.
Considering he just died three months ago, it's got to
be just in the bank's custody right now. But if
it was years and years after he died, the state
of Colorado might have it and they call it. I

(01:50:45):
think the Great Payback Colorado.

Speaker 7 (01:50:50):
And was it there? Yeah, okay, so it's the bank.

Speaker 8 (01:50:53):
He needs to go down to the bank, have the
smallest state affidavit, have a copy of the death certificate
and should be that easy, and a.

Speaker 9 (01:51:01):
Copy of his birth certificate if just in case he
wasn't listening as.

Speaker 7 (01:51:05):
The driver's whatever. Yeah, okay, thank you, you're welcome.

Speaker 8 (01:51:11):
I mean that's hopefully it's a lot of money. I mean,
like for real, and it's not a lot of work,
to be honest.

Speaker 5 (01:51:16):
Sorry.

Speaker 8 (01:51:16):
Three zho three seven one three eight two five five Jr.
Has a question for Matt in Paragon, right, Hey Jr.

Speaker 7 (01:51:27):
You think he's ordering fast food? Jr?

Speaker 17 (01:51:31):
Is it?

Speaker 22 (01:51:31):
Mike?

Speaker 7 (01:51:33):
I'm gonna put him on hold. I have no idea.

Speaker 8 (01:51:35):
Kelly, You're gonna have to just keep checking. He's talking
to somebody in the background. You guys, it is amazing.

Speaker 7 (01:51:44):
Okay. I want to ask you this, Matt, who's the
easiest insurance company to deal with? We had a guy
yesterday call in and actually had this question. No bs,
this was his question.

Speaker 8 (01:51:54):
He didn't care how much the insurance was, but if
he ever did have a claim, he wants to make
sure there's no problem getting paid. So what what would
you how would you have answered that? I had Brian
burns on with Compass and we kind of answered it. Well,
one of them was Acuity, exactly what you said. But
I'll say Security or Chubb is even better. But Chub's

(01:52:18):
gonna check your net worth and it's insurance for the wealthy. Yeah, yeah,
you're not gonna get insured with Chubb, but if you
have a three hundred thousand dollars high and they want
you up.

Speaker 4 (01:52:29):
In the million plus range. But Acuity all day. Absolutely,
But Chub's good too, right. Oh, they're both at the
top of my list. Amika is really good.

Speaker 7 (01:52:38):
Too, Amika, Amka. Okay, let's go the other way. Who's
the worst to deal with in your opinion?

Speaker 4 (01:52:44):
I'll tell you if you get me security, walk into
my truck. Come on, who American family's the worst?

Speaker 7 (01:52:50):
Are they?

Speaker 4 (01:52:50):
Really?

Speaker 5 (01:52:50):
Yeah?

Speaker 4 (01:52:51):
USAA is bad.

Speaker 7 (01:52:52):
USAA I heard used to be really good.

Speaker 8 (01:52:54):
They were good then all of a sudden, I don't know, man,
maybe it's all the hell, but they went to hell?

Speaker 4 (01:52:59):
They did, you know, the ones kind of in the
middle of the road, your state farm, nationwide, all state
there it depends who you don't like a Safecoast, the
one that gave me all the business the last time.
Depends who you get as your adjuster on those. Now,
some of the boutique ones you don't hear about a lot,
like the Hartford.

Speaker 7 (01:53:16):
Hartford they've been around for one hundred years.

Speaker 10 (01:53:19):
Yep.

Speaker 4 (01:53:20):
Another bad one that just came to my mind is
Colorado Farm Bureau.

Speaker 7 (01:53:23):
Never heard of them? Is that only for farmers?

Speaker 5 (01:53:25):
No?

Speaker 4 (01:53:26):
No, they'll ensure anything, but they're not great.

Speaker 7 (01:53:29):
Why is it called farm bureau?

Speaker 5 (01:53:30):
Then?

Speaker 4 (01:53:30):
Well, I think they used to ensure rural properties and
then they saw Marcus.

Speaker 13 (01:53:33):
There.

Speaker 8 (01:53:34):
Deal, it's kind of crazy. Let's say, JR. Go ahead,
what's your question for Matt?

Speaker 14 (01:53:40):
I had a couple of questions.

Speaker 16 (01:53:41):
So, Matt, what power do you have to get them
to comp up more money?

Speaker 13 (01:53:45):
Okay?

Speaker 7 (01:53:46):
And if they don't comp with the money that you
feel is reasonable, what's the next step.

Speaker 14 (01:53:52):
For the homeowner? Oh?

Speaker 7 (01:53:53):
This is great, So hold on, Jr. That is the
best question ever.

Speaker 8 (01:53:57):
And Matt, I really want you to take that the
three steps or four steps that you had to deal
with with like my second claim, because you enacted something.

Speaker 7 (01:54:08):
But JR.

Speaker 8 (01:54:09):
I do have to put you on hold because I
got to take this break. But I'm gonna have them
go over that and then you can ask any follow
up questions.

Speaker 7 (01:54:16):
But that is a great question.

Speaker 15 (01:54:19):
Hold on, Go with a sure thing Denver's Best roofer
Excel Roofing dot com.

Speaker 18 (01:54:28):

Speaker 15 (01:54:33):
of insurance companies find out now three O three seven

Speaker 18 (01:54:57):
All right during seven three eight.

Speaker 8 (01:55:00):
If you don't listen on YouTube, it's a good time
mark listen. I'll tell you you're missing a lot. We
were talking about a Broncos game that I was at,
and that's about all I can say. I suggest you
go back and listen to the YouTube during the brand Yeah,

(01:55:22):
not while you're reading. So I'm not gonna say much more.
But in my entire life, I have never witnessed and
never felt what happened to me at a Broncos game.

Speaker 7 (01:55:36):
Question. This is making it sound like I was the
not the do gooder. I did nothing wrong here.

Speaker 10 (01:55:44):
The question are you gonna join us again this year?

Speaker 7 (01:55:48):
We had a great time, with the.

Speaker 8 (01:55:50):
Exception of that there was a young woman there that
I'll just say this. They literally, actually she wasn't young,
she was old. They literally had to shut down the
entire restroom that was on that level. They literally shut
it down and E. M. T had to come in
because she actually exploded.

Speaker 7 (01:56:10):
And I'll leave it at that.

Speaker 8 (01:56:11):
If you want to hear the story, go to YouTube
type in Troubleshooter Network. It's a very true story. And
Mark the reason we were talking about it, Mark Schamansky,
we were together that day, along with Suzanne and his wife, Matt.

Speaker 7 (01:56:28):
It was it was something that none of us have
ever witnessed, and our entire section had the deal with Mark.

Speaker 9 (01:56:35):
It's a good story.

Speaker 7 (01:56:36):
Oh, it's a great story. Except for you guys. It
was a lot better story than getting here. I got
hit with the shrapnels.

Speaker 10 (01:56:43):
Well, Susan and I are in further so, well Madelon
and I were, but Malon can't handle the smell.

Speaker 8 (01:56:51):
There it was, so I just can't talk about it
like over the airwaves, and I won't. But now JR.
Had a great question for Matt, so match with Paragon Services.
He's a licensed public adjuster. So Matt Jr's question was great.
So if you come out and you can't talk them
in to the claim, or let's say they only want

(01:57:13):
to give one hundred dollars instead of ten thousand, so
let's go ahead and talk about it.

Speaker 4 (01:57:18):
Go ahead, right, So the stepping stones here it goes,
you know, homeowner, then contractor, then public adjuster. Then you
get to a fork in the road appraisal or legal action.
So if they refuse to negotiate with me, or they
we don't get to a comfortable number, we can engage
the appraisal process, which is what we did for your claim.

Speaker 7 (01:57:40):
That's what we did, JR. Do you know what the
appraisal process is?

Speaker 13 (01:57:44):
No?

Speaker 17 (01:57:45):
I know, but I thought the contract was with the
homeowner and insurance company would Why would the insurance company even.

Speaker 5 (01:57:52):
Talk to that?

Speaker 8 (01:57:53):
Because you make empower of attorney. He represents you, just
like hiring a lawyer. If someone says I was DUI
or said I murdered somebody I hire an attorney, and
the police no longer talk to me. They talked to
my attorney.

Speaker 13 (01:58:08):
Okay, so that's in the insurance contracts, right.

Speaker 4 (01:58:11):
Well, not necessarily. I hold a state license that allows
me to negotiate with them. They can't ignore me, they
can't hang up on me. They have to negotiate, and
they don't have to do that with contractors.

Speaker 16 (01:58:22):
They can Is that correct?

Speaker 4 (01:58:24):
Yeah, they can't, they can't.

Speaker 7 (01:58:25):
But listen, the appraisal process is really cool. And I
just went through it. So they only wanted to pay
so once. Once it was zero, MAC got involved and
the initial amount they gave to Matt, that young lady
that was out was like eight grand.

Speaker 8 (01:58:41):
Right, it was pretty small. It's like eight thousand bucks.
And I said, well, never eight grand. And Matt goes nothing.
He goes no, no, no, that's just the starting point.
So what did you do after the eight grand?

Speaker 4 (01:58:51):
So we invoked the appraisal clause, which the homeowner hires
an appraiser yep, and the insurance company hires an appraiser.
So now you've got too fresh.

Speaker 7 (01:59:00):
And they're independent.

Speaker 4 (01:59:01):
They're independent.

Speaker 8 (01:59:02):
They can't work for the insurance company jr. So they
have to hire somebody, and I hire somebody. I use
the guy that Matt uses all the time. It's kind
of like a mediation. You have your side, they have
their side. Most of the time it works out favorably
for the homeowner. Yeah, so we were at eight thousand jar.
We came out in my guy and their guy basically

(01:59:22):
walked a house, talked to me, wanted to see the damage,
and basically when it all got done, it was about
forty thousand dollars I got right.

Speaker 5 (01:59:32):
Okay, Now the final step in all of those there's
another step.

Speaker 8 (01:59:36):
So let's say I'm still not happy and they didn't
budge even after the appraisal. Now there's something that you
can actually get trebled damages.

Speaker 7 (01:59:46):
If you win.

Speaker 4 (01:59:47):
Yeah, if you go to an attorney, and I've got
a few that I work with regularly. We basically sent
a demand letter to the insurance company through the legal
office and demand that they pay while we're asking, or
we file suit. A lot of those attorneys take it
on contingencies, so you're not paying a retainer, you're not
paying an hourly fee for an attorney.

Speaker 1 (02:00:06):
That's right.

Speaker 4 (02:00:07):
They just go try to knock it out of the park,
and I would say ninety nine percent of the time
the attorneys get it. But that's the last line of defense.

Speaker 5 (02:00:16):
Yeah, that's it.

Speaker 7 (02:00:16):
And then if you lose that case, that's it. You
had no case.

Speaker 8 (02:00:20):
Or if the attorney doesn't want to take it because
they don't find it's a good case, well that's it.

Speaker 7 (02:00:25):
You're done and over. But those are all the different
steps up to the end.

Speaker 8 (02:00:28):
The good part about if they fight you in court
and you win, you can get trouble damages and attorney's fees.
And I believe that's statutory, the attorney's fees if you win,
it is, so, I mean that's a no brainer. If
they don't want to give you thirty thousand, you end
up getting ninety and the attorney ends up getting paid
out of a different bucket. But that doesn't happen a lot.

(02:00:50):
Usually what happens is if the attorney gets involved, you
probably have a good case because it's their time and energy,
and right before, right before the day before you you
walk in and start picking a jury, they settle that way,
they don't have to pay the treble damages because there's
sleeves bags.

Speaker 3 (02:01:06):
A lot of them, so that you get then that's
when you get your cut right at the end of
the process.

Speaker 8 (02:01:13):
Correct, I don't collect until you're paid. Yeah, you don't
collect until he's paid. And then once again the other
thing Jr. Don't forget if you have more than one
thing that was damaged on your property. So let's say
you got the roof, you need a painter and landscaping
or deck work or windows. Once you have three different
things like that, and probably what ninety percent of the policies,

(02:01:35):
maybe even more you can get overhead and profit they
can be twenty percent, so you don't end up paying
Matt anything, right, Okay, well.

Speaker 10 (02:01:45):
Too, I mean a lot of times when Matt and
I are working together, and again, I mean we've done
hundreds of claims together and we've probably had three go
to lawyers.

Speaker 4 (02:01:53):
Yeah, it's very few and far between, and it's a
waiting game. The lawyer thing takes a while. But those
are nice mail box money.

Speaker 10 (02:02:00):
I mean, you know that.

Speaker 4 (02:02:01):
That's that's those guys going after every dime they can.

Speaker 8 (02:02:05):
Oh yeah, once the attorneys are in, oh my goodness,
not only are they facing the treble damages, the attorney's fees,
but the attorneys are going to find other things.

Speaker 10 (02:02:13):
To go after it right, and a lot of times
you know.

Speaker 7 (02:02:17):
Faith loss, yes, exactly what it is a lot of.

Speaker 10 (02:02:19):
Times too, when Matt and I are working together on
the claim, then we just take care of that too.
So it's not even you don't even pay yourself, You
just pay us for the work we're doing and we
take care of Matt from there.

Speaker 4 (02:02:29):
A lot of times my fee is absorbed in the
job cost. So every claim is different, every situation is different,
but we just try to make sure that the customer
comes out ahead and we all makes money and everybody's happy.

Speaker 7 (02:02:39):
Yeah, it's truly is a win win Jr. No matter what.

Speaker 8 (02:02:42):
Generally, what happens is you get a lot more brand
new stuff on your house. I mean, really, that's the
ultimate call. You got the new windows, you got the
new siding, you got the new roof, You upgrade your house.
Why just get the roof when there's damage and other
people don't know how to look at the windows? And honestly,
speaking of that peace because it's such a big insurance
claim that comes with hail and people don't even realize

(02:03:05):
it because the glass is intact.

Speaker 7 (02:03:07):
Once again, it's nothing to do with the glass. It's
the seals. How do you actually look around and see
that march?

Speaker 10 (02:03:12):
I mean, it doesn't happen overnight. You do need to
get some condensation there to actually see that that seal
is busted. And again, usually mornings is the best time
to look at It's also it just looks a little
foggy yep. And it's not that it's a dirty window.
It's that there's some condensation there, and you don't see
drops of water. It's just a very light bit of
moisture that you can barely see.

Speaker 8 (02:03:32):
And when do you have the adjusters out in the afternoon?
Generally right, the adjuster's not there at five am to
see the condensation.

Speaker 15 (02:03:39):
Correct Go with a sure thing Denver's Best roofer Excel
Roofing dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
of insurance companies find out Now three o three, seven
to seven to one help. You'll think you're his only customer.

(02:04:02):
When you choose Frank Durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero, sixteen.

Speaker 10 (02:04:09):
Twenty two.

Speaker 7 (02:04:13):
Seven eighty two five five.

Speaker 8 (02:04:16):
Hey, guys, what other advice on insurance claims? In fact,
let's let's move off insurance.

Speaker 7 (02:04:22):
A little bit.

Speaker 10 (02:04:22):
Well, I still had one question, so go ahead, Mark, Okay, So, Matt,
if somebody doesn't know they have damage, and a year later,
two years later, also and they do a roof inspection.

Speaker 7 (02:04:34):
And the guy comes to him and says, hey, you
got hail damage.

Speaker 4 (02:04:36):
Yeah, So what happens then, Well, the first thing I
do is try to find a storm more recent than
a year ago. And around here that's pretty easy to do.

Speaker 7 (02:04:45):
That is easy.

Speaker 4 (02:04:47):
Certain policies, you know, at certain insurance companies adhere to
the one year rule, which is basically, a storm hits,
you gotta file acclaim within a year. That's most companies, right,
So if I can't find a storm within that year,
you're pretty much sitting tight waiting for another one.

Speaker 1 (02:05:02):
Yeah.

Speaker 8 (02:05:03):
We've had we've had ones marked in Matt's work done,
and I'll give you an idea. One it was in
I think it was Castle Rock, it might have been Monument,
but here was the bottom line. They found out exactly
like you said, that damage happened but they didn't know
it at the time.

Speaker 7 (02:05:21):
I have no idea how they figured out it was there.
They might have seen their neighbor getting a new roof
or whatever. It happened to me. So Matt went out
there and no, they called up the insurance company. I
remember this now.

Speaker 8 (02:05:33):
They called up and the insurance company said, that's old damage.
That wasn't from whatever storm. And then that's when they
called the show, and I had them call Matt. Matt
went into whatever program he has and found out exactly
when in that year's period of when there was a
actual storm there, because the insurance company was trying to

(02:05:56):
say it was, oh, that's from three years ago or whatever.
Matt found a storm and prove to the insurance company
it happened in that time, right.

Speaker 4 (02:06:03):
And then you reverse everything and they go oops, sorry.

Speaker 7 (02:06:06):
Yeah, but that was what they tried to use for
an out. It was all damage.

Speaker 5 (02:06:10):
Yeah.

Speaker 10 (02:06:10):
So I goes, you know, going out to listeners there.
If you think you had damage in the last three
or four years, even nothing, should still call and have
us take a look at it.

Speaker 8 (02:06:18):
Well, definitely within the last year. Oh, I see what
you're saying now, Yeah, actually that is kind of a loophole.
And you know what, I don't mind sharing that with listeners.
Let's say you did have damage three years ago and
didn't have damage this year, but there was a hailstorm.
You could pin that hailstorm on the damage.

Speaker 4 (02:06:34):
I do it all the time.

Speaker 7 (02:06:35):
Yeah, and see, I don't mind saying that. People are like, oh,
you guys are ripping off the insurance company. No, we're not. Well,
how do we're playing the game by their rules?

Speaker 4 (02:06:42):
How does anyone really how do you know how old
a hit is? Well, on an asphalt roof, you never would, right,
you can see stuff that's like five ten years old
with the little fibers.

Speaker 8 (02:06:50):
Show mark that's a great that's a great way to
look at it, because who were they to say that
was three years ago when there was a damn storm
six months ago?

Speaker 5 (02:06:59):
Were you there?

Speaker 4 (02:07:00):
Can you prove that? And I mean that's what I
say to them. You know you weren't at the house.

Speaker 10 (02:07:03):
I think you're going to one of my customers soon
for that, Yeah, yeah, exactly kind.

Speaker 7 (02:07:07):
Of for what kind of stuff, Marker, you've been doing
with Genesis lately this time of year. I know Deck's
gotta be good.

Speaker 10 (02:07:13):
Yeah, Decking's good. You know a lot of painting.

Speaker 7 (02:07:15):
And I don't mean insurance claims. I mean people don't.

Speaker 10 (02:07:17):
Understand just just in general things that people are looking for.
You know, painting is bigger than normal for us.

Speaker 7 (02:07:22):
Right now, you're painton Kelly's house right now.

Speaker 10 (02:07:24):
Yep, we got people at Kelly's house who answers the
phone here right now.

Speaker 7 (02:07:28):
I always brag on Omar. Omar is one of his painters.
This crew has been with you twenty.

Speaker 10 (02:07:33):
Years, twenty four twenty four years.

Speaker 8 (02:07:36):
He did our exterior four or five years ago. He
just finished our interior. He's remarkable, the attention, the detail,
and then the cost comes in, you know, right around
everybody else. But you have one of the best painters out.

Speaker 10 (02:07:50):
There, right and so I mean, you know, is well
versed in doing it and everything like that.

Speaker 8 (02:07:53):
And so fixing drywall patches. You know, when you think
of painting, it's not like just grabbing a roller and
painting house. When I see these guys prep you had.
Omar had probably five or ten people out there the
first day. The whole thing's prep. Anybody can grab a roller.
But if you want those lines perfect, if you want
all those pinholes in the wall, done.

Speaker 7 (02:08:14):
If you need new.

Speaker 8 (02:08:15):
Texture because there was a big spot. All that stuff
is where that attention, the detail comes from.

Speaker 10 (02:08:21):
Well, yeah, painting's easy. Prep is not.

Speaker 5 (02:08:23):
The prep is a prep.

Speaker 10 (02:08:25):
Prep is what makes a great prep paint job. Yeah
for sure. So you got decks Yeah yeah, And you
know we're not just in the metro area too. I
mean we have crews right now working in winter Park.
I mean winter Park is exploding.

Speaker 7 (02:08:37):
Is it really?

Speaker 10 (02:08:37):
Yeah?

Speaker 7 (02:08:38):
And so oh you have a place up there too.

Speaker 10 (02:08:40):
I do have a place up there. But we're doing
a lot of work in winter Park.

Speaker 7 (02:08:43):
How about like Colorado Springs busy?

Speaker 10 (02:08:45):
Collin Springs is right now is not as busy as
normally as for us, you know, it's it's a little
bit slower than normal.

Speaker 7 (02:08:50):
You go to Fort Collins, Yeah, we go.

Speaker 10 (02:08:52):
To Fort Collins, Yes we do. So we go you
know through the whole front range.

Speaker 7 (02:08:55):
Yeah, well including the front range itself.

Speaker 10 (02:08:58):
Yeah for sure.

Speaker 7 (02:08:59):
And so Evergreen a big one.

Speaker 10 (02:09:01):
Evergreen's where I lives. So yeah, so that is a
it's a great, great area.

Speaker 7 (02:09:06):
Something I didn't know you did. I've got a great
company on our referral list, been there forever. Coming out.
I would have got a bid from you on it
as well, but I didn't even know you did it
to Cement concrete pavers. I got pro form coming out
next Monday season.

Speaker 9 (02:09:22):
They're starting Monday.

Speaker 7 (02:09:23):
Yeah, they're coming out and doing half my driveway.

Speaker 10 (02:09:25):
Wow.

Speaker 8 (02:09:26):
I mean you've been to my house numerous times, so
you know the size of the RV I got. It
is such a pain in the ass to back it
in that garage because the way the driveway. So they're
going to extend my driveway in with and a little
bit of length and basically I'm going to be able
to pull almost straight down.

Speaker 7 (02:09:42):
So I'm looking forward to that. But going back to you,
I had no idea we.

Speaker 10 (02:09:46):
Do concrete, yes, yeah, and you do a lot of it.

Speaker 14 (02:09:48):
We do.

Speaker 10 (02:09:48):
I mean, concrete is a great business beyond just patios,
oh beyond pio. So we do a lot of driveways,
you know, and again pavers pavers.

Speaker 8 (02:09:57):
Are streachiest part we get. So many complain it's over
the years on concrete in general. In other words, people
have got to understand it's concrete. It's never going to
be perfect. You might have a hairline crack.

Speaker 7 (02:10:08):
In fact, a lot of people call what Spaulding I.

Speaker 10 (02:10:11):
Mean scraulding is when they overwork the concrete. They're sitting
there and they keep working and working and trying to
get it perfect, and sometimes I'd be better off. Okay,
we're really close and we should just leave it alone.

Speaker 7 (02:10:21):
What does that mean though? When they I understand that
they're trying to get it perfect, but why.

Speaker 10 (02:10:25):
Rocks are rising up to the top and so the
concrete is not very thick in the very top player
so it's popping off because you got rocks up there,
or they just have too much rock in their mix.

Speaker 8 (02:10:34):
Or just and that's kind of a cheap way to
do it right. So what I learned over the years
is when the truck shows up, you can get a copy.

Speaker 10 (02:10:43):
What do they call you get a certificate? Yep, you
get a certificate. What's inside that truck?

Speaker 8 (02:10:47):
Yeah, exactly what's in there? So if anybody ever, you know,
if you look at your like when you give someone
a bit on concrete, do you spell out like the mix?

Speaker 10 (02:10:56):
We we spell out and we said what your psis
could be on the concretes.

Speaker 7 (02:11:00):
And then if they take the load sheet when it
actually shows up.

Speaker 10 (02:11:04):
And they like, okay, I know this is what I'm
getting and you know that.

Speaker 7 (02:11:07):
And how many people actually make concrete not not poor it.
There's a lot of.

Speaker 5 (02:11:11):
People, you know.

Speaker 10 (02:11:12):
I mean we only use one one supplier.

Speaker 7 (02:11:15):
Oh okay, fine, but yeah, we use.

Speaker 10 (02:11:18):
One supplier because my guys we guaranteed. The concrete is
guaranteed too, Okay, So I don't just have a guarantee
from my installer, but I also have a guarantee from
my supplier of the concrete for the.

Speaker 7 (02:11:30):
Actual This guy, Mike's got a props to you. Hey, Mike,
what's your props to either Matt or Mark?

Speaker 12 (02:11:40):
No, it's it's the Matt.

Speaker 23 (02:11:41):
He's working on insurance claim with me, and I wanted
to give him a big auta boy.

Speaker 7 (02:11:47):
Hey Mike, what's your insurance company?

Speaker 10 (02:11:51):
Huh?

Speaker 7 (02:11:51):
What's your insurance company?

Speaker 13 (02:11:54):
Old State?

Speaker 7 (02:11:55):
And what happened? Did you call Matt from the beginning?
Was it a hailstorm to tell us?

Speaker 13 (02:12:01):
Yeah?

Speaker 23 (02:12:01):
Yeah, I kind of from the beginning, I thought we
had hail damage on the sightings and insurance company said no,
and Matt, when looked at him, sent the pictures and stuff.
And there's still stone.

Speaker 17 (02:12:17):
Ball on this.

Speaker 7 (02:12:18):
But where is your house at?

Speaker 13 (02:12:21):
Oh in Aurora?

Speaker 23 (02:12:22):
It's two houses to to my rental.

Speaker 7 (02:12:24):
House, Matt, do you know what we're talking about here?

Speaker 4 (02:12:27):
I do, And they were fighting me so bad. I'm
giving it to my attorney.

Speaker 7 (02:12:30):
So this is one thing.

Speaker 10 (02:12:31):
This is one.

Speaker 4 (02:12:32):
Yeah, this is one that's going all the way.

Speaker 7 (02:12:34):
And then how is like when you go out what
was it siding?

Speaker 5 (02:12:38):
Yeah?

Speaker 4 (02:12:38):
It was three houses. I looked at his primary home
and two rentals, and one of them I think one
of them was definitely siding, and the other one I
think was the roof. I'd have to look at her
denying everything. Well, they're on the siding. They're saying it's
wear and tear, it's old siding. But my argument is
there's hail on it too, so that should trump everything. Yeah,
and I'm just getting pushed back, you know, And I'm saying,

(02:12:59):
all right, well, let's take it to the lawyers. They'll
knock it out of the park and we get a
bunch of extra stuff too.

Speaker 10 (02:13:04):
Yeah.

Speaker 7 (02:13:05):
Yeah, that's nice, Mike.

Speaker 13 (02:13:06):
Go ahead, Yeah, and that's great.

Speaker 23 (02:13:09):
I really really appreciate. I don't know what I've done when, Oh,
thanks for Cary.

Speaker 7 (02:13:13):
You probably would have just taken it by the shorts, man,
I mean, like, for real, yeah.

Speaker 23 (02:13:19):
I wouldn't have known what to have done, what to do?

Speaker 21 (02:13:21):
I'm sorry?

Speaker 8 (02:13:22):
Yeah, all right, Hey, we appreciate that, Mike three o
three seven one three eight two five five. We've got
time for one more call three oh three Martino.

Speaker 15 (02:13:30):
Time for an insurance check up free, no obligation comparison
of insurance companies find out now three oh three, seven

(02:13:51):
customer when you choose Frank Durand the real estate Man

Speaker 7 (02:14:06):
Two five five one Clear Choice Stores.

Speaker 8 (02:14:10):
You know what I love about one Clear Choice Stores.
They have got showrooms up and down the front range.
You need a new garage door opener or of course
a new garage. Maybe add hail damage on your garage
and it's time to go pick out a beautiful new
one one Clear Choice Stores dot com. Great company. Just
absolutely love them. And someone was asking me about my
weight loss. Uh yeah, check it out, guys. I'll tell you, guys,

(02:14:33):
now you're ready for this. I'm at almost forty pounds okay,
I started a little over two thirty and I'm like
one ninety two the michelob Ultra I switch beers. No,
that would be easy. It's a Denver region. These guys
are great. I'm on what's called try zeppaitoid. I always
get a wrong try zeppatide whatever it is. But the
bottom line is I just don't crave food. I mean,

(02:14:56):
that's that's the best way to say it. It's not
like a normal diet where all you're doing is not
eating and thinking about eating. You don't eat and you
don't think about eating.

Speaker 4 (02:15:06):
Do you think there's anything to your stomach shrinking and
it's smaller, so you're.

Speaker 8 (02:15:10):
Slows down your intestines, it slows down your digestive system.
Here's what's cool about it, Matt. It's almost like testosterone therapy.
It's exactly what your body makes when you eat something.
Your body releases a chemical that goes to your brain
and says I'm full.

Speaker 7 (02:15:27):
They use that.

Speaker 8 (02:15:28):
It's the exact thing, or like ninety nine percent, and
I'm not a doctor. I'm going off a memory when
he's in. But it's like ninety five or ninety nine
percent the exact same thing your body produces when you eat.
You're just taking it and it slowly releases.

Speaker 7 (02:15:44):
Into your system. You do a shot each week. Shot
doesn't hurt at all. It's like nothing.

Speaker 8 (02:15:48):
So it's such a skinny needle you don't even feel it,
and it's not intervenous. You just put it in some
fat basically, so it lasts for a week and it
just tells your body you're full. And not only does
that make you feel full like your stomach, but it
also tells your brain literally you're full. And that's how
it works.

Speaker 4 (02:16:06):
And so the energy levels.

Speaker 7 (02:16:08):
Energy level, Yeah, you got to watch that.

Speaker 8 (02:16:10):
I do a protein I don't even know what it's called,
like a protein shake, just to get some protein in there.

Speaker 7 (02:16:16):
And you got to kind of make yourself eat. You
got to actually go.

Speaker 8 (02:16:20):
Like, oh, I forgot to eat today. It's crazy as
that sounds, but it works. I mean less than six
months forty pounds.

Speaker 10 (02:16:26):
So this is different than when you used to eat
once a day it well, which he still does, which
I still do.

Speaker 7 (02:16:32):
But here's the funny part of mark. I would think
of food.

Speaker 12 (02:16:34):
Though.

Speaker 8 (02:16:35):
On a Friday, when we got pizza here and I
was only eating once a day, at four o'clock, it's
called intermittent fasting. I couldn't stop thinking about that damn
pizza in the other room, or the chips that would
be out in the newsroom, or the cake because it's
someone's birthday at work. I mean, in this building, you're
surrounded by food. Voodoo Donuts will send donuts here all
the time. There is always food for people that work

(02:16:57):
in this building. And even if I was eat eating
once a day, I'm just constantly you pass at Voodoo donut.
Is that a donut with bacon on it? I mean,
who doesn't want a donut with bacon on it? So
you're fighting with your brain with this. You don't even
it's not even a second thought. That's the difference. When
I used to do a very low carb diet, I'd
get to the point where I'd kill for a strawberry.

(02:17:19):
You know, any kind of sugar is what you crave
when you don't do carbs. So all I would think
about is that I could drop thirty pounds and I
could do it in two months. But man, all I
did was be miserable and think of food. That's really
the difference with these new class of drugs. But Denver Regen,
just I can't believe how cheap it is. I mean,

(02:17:40):
they've got people less than three hundred bucks a month.
So I wanted to tell people about that. Less than
three hundred dollars a month on these weight loss drugs.
Check them out Denverregen dot com. Hey, by the way,
real quick, Mark Schamansky Genesis three, three, six, seven nine
eighty five oh nine, and thanks for being here. And
then Matt Parragon Services seven one nine seven two six

(02:18:02):
zero zero twenty.

Speaker 7 (02:18:03):
We'll see you here tomorrow, HM,

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