The Troubleshooter 7-23-25

Episode Transcript

Speaker 1 (00:00):
Yea ripped news as we can.

Speaker 2 (00:16):
Shooter's gonna help.

Speaker 3 (00:18):
Come man, this is the Troubleshooter Show. No Tom Martinez, welcome, Welcome,
my friends to the only show of it's kind, and
we're here to solve problems, answer questions, take your complaints,
make your life a little bit better. By the way,
rip to the Prince of darkness, Ozzie Osbourne. What was

(00:41):
he seventy eight? Does someone know offhand? I didn't look
it up, but it's pretty close to there. Uh, that guy.
I loved it, crazy train, you name it. I loved
Ozzie growing up and I just want to keep hearing it.
You incredible man. In fact, I'll tell you what I
don't know about you. Guys, Brian, you're my age. That's
Brian with Compass Insurance. By the way, I digress on

(01:03):
that for a second. Here's the deal. You've been ripped
off or taken advantage of three ZHO three Martino. I'll
let you know when a line's open. Right now, we
have one line open. I got Deputy Doc Deputy Dmitri
stand and buy to dig in and get money back.
If you've been ripped off or call over to a
bad landlord, or show up in person to a hospital,

(01:24):
you name it. We've done it right here on this show.
And we've got some great updates to talk about. But
now back to Ozzie real quick. Do you remember the Osbournes.
Did you grow up on that you're a little younger. Uh, yeah,
I mean I know the show for sure. I wasn't
like hooked on it, but I totally remember the Juzan
and I watched that religiously. We absolutely loved that show.

(01:45):
It might have been the first true reality show. Well
that's not true. There was cooking ones like Martha Stewart,
but that's a little weird. Those are all staged.

Speaker 4 (01:54):
But are so?

Speaker 3 (01:56):
Was Ozzy or the Osborns. Did you like Ozzie?

Speaker 5 (02:00):
Oh?

Speaker 3 (02:00):
I liked Ozzie. I wasn't a huge crowdy. I loved
it Abbath. Come on, there's lots that go there. Yeah,
he got kicked out of Black Sabbath. He showed them though.
I mean really, I was never really into Black Sabbath,
but I was into Ozzie. Of course, everybody listens to
the show knows my favorite band's Metallica, so a little

(02:21):
different there. But Ozzie, he had everybody during that show. Apparently,
I guess it's going to be released. I want to
say February of next year, his last show. But Metallica
was there. He had people you name him, they were
there either in person or by video, uh, to wish
him a farewell. And how ironic is it he dies

(02:42):
a couple of weeks later. I mean, it's sad, but
it's kind of It's kind of cool. Man Parkinson killed
another that's a nasty son of a bitch.

Speaker 5 (02:52):
You know.

Speaker 3 (02:53):
My grand or Suzanne's grandmother had it and towards the end,
holy moly, would she shake her song and had to
feed her. And I've been to their house and witnessed
this as she got really bad towards the end, and
the shaking was so bad. There's spoons made for it.
There's just different equipment you would never think of unless
if you have either really bad tremors or something like

(03:15):
Parkinson just to live everyday life. So I feel extremely
bad for everything. And he donated a lot of money
for research, you know, for a guy that was the
prince of darkness and biting bats heads off and doing
some of the craziest stuff we ever heard of. He
was actually a pretty decent guy. I would say in general,
that's probably true, right, yeah, And I will think about Ozzie.

(03:39):
That was always interesting.

Speaker 6 (03:40):
He would be because he looked like he was dealing
with Parkinson for a long time. I mean, his body
seemed to be breaking down. But then you put a
mic in front of him and he could still sing.

Speaker 3 (03:50):
Yeah. It was incredible. And up until well a few
years ago he could get up and set Yeah, I
mean not long ago at all, which is remarkable knowing
his diagnosis now, plus he had other problems. That guy
talk about. How do these guys do so many drugs
and lived almost eighties? Some of them live well into
their eighties.

Speaker 6 (04:09):
I know Ozzie's one of those that most people would
have never bet that he was going to live this long.

Speaker 3 (04:15):
No, I don't think so either. It's kind of crazy anyhow.
That's Brian Compass insurance. As I said, Deputy Dimitrice, here,
we got two lines open three oh three seven one
three eight two five five three oh three Martino, I
want to hear from you, dig In and if you
did you ever, did you happen to ever see him live?

Speaker 5 (04:32):
Real quick?

Speaker 3 (04:33):
Then I'll go to the phones. I promise I never did. Nope, yeah,
I wish I did. I never did. I started thinking,
was he at Monsters of Rock in the nineties and
I wasn't, or in the eighties. Actually no, I don't.
I just haven't seen him. I was trying to think
of maybe someplace I saw him, but I just never
saw him. Never. I wish I saw, like Ozfest. That

(04:54):
sounded really badass, But I digress. Shannon, I hope the
bumper music today is mister Osborne. I'd appreciate that. Nick,
What is going on with you? And Janice? You'll be
up next to Nick? Well, there goes Nick. Hey, Janis,
what's going on with you?

Speaker 4 (05:17):
I was calling for.

Speaker 7 (05:18):
My dad on my dad's behalf got it. He found
faxes on the day they were due, got him sent
out like Federal Express somewhere or whatever.

Speaker 4 (05:27):
My sister and him did.

Speaker 8 (05:29):
And we've tried.

Speaker 7 (05:30):
Calling finding out what's going on with his tastes, and
it just says there being processed.

Speaker 4 (05:34):
Yeah, you can't talk to a human being.

Speaker 3 (05:37):
Yeah, it's pretty normal. So basically he's waiting for his refund,
right yeah. Yeah, when you mail them in, people and
most people have already done this by now. For at
least last year or twenty twenty four. But when you
actually snail mail them in they can take three months,
six months. They just sit there. The best way to
do it in the future is do it right, either
on the IRS website. I believe that's free, or if

(05:59):
you are having someone prepare them like H and R
Block or somebody, or maybe even quick and way faster
it happens. I'm not going to say immediately, but way quicker.
There's nothing you're going to do but keep checking. They're
extremely slow with snail mail. I'm pretty sure one person
opens it up and puts it in a pile of

(06:19):
eight hundred million other ones and then they slowly go
through the pile.

Speaker 9 (06:24):
That's horrible.

Speaker 7 (06:25):
See I did mine the same day and I got
mine back a couple three months ago.

Speaker 3 (06:30):
Yeah, but you are you saying you snail mailed it
or you filed electronically. I filed electronic.

Speaker 8 (06:35):
Yeah, the course line.

Speaker 3 (06:36):
Yeah, it's snail mail. That's the killer. We have brought
experts on this for over four or five years. During
COVID it was the absolute worst, but even pre COVID,
and then of course the last few years it's still
the same.

Speaker 5 (06:48):
Way.

Speaker 3 (06:49):
They're so back at the IRS. Remember Biden hired like
ten thousand IRS. How many were it's like a million
billion IRS people whatever it was, and they still can't
get taxes done on time. They got more employees in
Walmart at this point. I don't know why they take
so long. You know what, It's kind of like the
checks in the mail when it's their money. You know,

(07:11):
if you're a day late paying them interest penalties instantly,
but if they wait three months, six months a year
to pay you, well.

Speaker 8 (07:19):
Too bad.

Speaker 3 (07:20):
So sad Mark, Yeah, go ahead. What do you think
would Amy's dad?

Speaker 10 (07:27):
Do you think Amy's dad should refile them or Jani's
dad refile them electronically?

Speaker 1 (07:32):
Now?

Speaker 10 (07:33):
Is there any no twice like that?

Speaker 3 (07:36):
Yeah, we've had people do that, and there's a big
downside to it. It confuses the hell out of them because
they're already they're already showing one's been filed even though
it hasn't gone through the finishing touch. So no, that
would create a big issue. You just you're playing the
waiting game. How much money is he waiting on? Not
a lot?

Speaker 7 (07:54):
Like almost two grands got it?

Speaker 3 (07:57):
Well, loan them the money till it comes in. Be
good daughter.

Speaker 10 (08:00):
That's what I called.

Speaker 7 (08:01):
If you need the money I got you?

Speaker 3 (08:03):
Yeah, well really cool. I wish I had better news
for you, Janis, but that is our government and how
it works. Thank you for the call. Three oh three
seven one three eight two five five. Everybody, hang tight,
We're going to be back right after this.

Speaker 11 (08:23):
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Speaker 8 (08:27):
You don't pay a cent until you're content.

Speaker 11 (08:32):
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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
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Speaker 3 (08:53):
Hey Amy, what is going on with you?

Speaker 12 (08:57):
Hey Mark, Well, I'm having trouble with you EPs. About
two years ago I helped my I call her my
pseudo aunt, and she my uncle had passed away, and
I was packing up her home and helping her out.
And we have a bunch of family heirlooms that were
going to me, they don't have kids, and we're like,

(09:17):
my sister and I are the two that are kind
of left in the in to carry on the family whatever.
And anyway, we went to EPs, had them pack it
and when they rought, when everything arrived, there was a
there were two vases and the bottoms to the vases
and there was a big sculpture thing that used to

(09:38):
be a lamp.

Speaker 3 (09:40):
When you said the bottom, when you said the bottom
of the vases, you mean they broke and the bottom
was out of them.

Speaker 12 (09:45):
No, thank you for letting me clarify. Not there's like
there are vases that sit on they sit on pedestals.
Pals were broken as well. So everything in the box
was I mean, the one of the visas was just.

Speaker 3 (10:00):
Was it insured for or was it just the minimal?
And honestly, I don't even know what that is with
ups anymore.

Speaker 13 (10:06):
Yeah.

Speaker 12 (10:06):
No, we actually we did ten thousand dollars apiece on
the vases.

Speaker 3 (10:15):
Oh my goodness. Wait wait wait, wait, wait, tell me
a little more about these vases. I mean that's more
than just you know that, that's more than that's crazy
for a vase. I mean, I don't know anything about vases.
But are they really worth ten thousand dollars or is
it sentimental value? What is it?

Speaker 9 (10:34):
So?

Speaker 12 (10:34):
I mean part of its sentimental? Sure. But the last
time that I remember, I was in college and there
they were appraised. They were appraised for right around six
seven thousand dollars a piece.

Speaker 3 (10:46):
How many years ago?

Speaker 12 (10:47):
Sat, Well, you're dating me. Now you're can ask me
how much I weigh?

Speaker 3 (10:51):
Next, no, you can ask me how much I weigh?

Speaker 12 (10:54):
Though, No, that's okay. No, they that was back in
ninety two.

Speaker 3 (11:00):
Well do you still have those appraisals?

Speaker 12 (11:03):
No, couldn't. We couldn't find them.

Speaker 3 (11:04):
And you can't find them. So what do you have?
Do you have photos of them? How are you going
to determine what the value is? Because I assume that's
where this call is going.

Speaker 12 (11:13):
That's that's exactly right. I mean they were valuated over
ten thousand dollars apiece, and that includes the there's also
like the large lamp, which is kind of more like
a sculpture. Now they were giving is UPS?

Speaker 3 (11:26):
Does UPS have its own insurance or are they using
an outside insurance company these days?

Speaker 12 (11:32):
I don't know. I mean we bought insurance through them,
So what do they say we sh we had them
pack it because we were worried that they would say, oh,
you know you didn't package.

Speaker 3 (11:41):
Yeah, of course the right. It sounds like you did
everything right. You bought the coverage and you had them
pack them. So what are they saying. I mean, this
happened two years ago, you've been dealing with this. What
is the fight? So the fight?

Speaker 12 (11:54):
It was September eighteenth that they were shipped of twenty
twenty three. I've gone to talk to people like on Tenny.
I went and talked to them and they said it
back in Tennessee. I went back to Tennessee to talk
to them and they said, oh, yeah, we've got it.
You know, we're processing it. Send us a bunch of stuff.
I sent them that stuff. Nothing ever became of that.

(12:17):
I called UPS, Well, there's nothing we can do except
could you go into our ups and this guy will
help you. This guy who's named Nate. Went to Nate
and he took a bunch of pictures and supposedly uploaded
it to that complaint that I had already made. And
then two and a half weeks go by, I haven't

(12:38):
heard from him, hadn't heard from him.

Speaker 3 (12:40):
You know, and yeah, but we're two years down the road.
What are they saying now.

Speaker 12 (12:45):
Well, they say they never had a Nate that worked there,
let's start with that.

Speaker 3 (12:48):
Well, I wonder if that well, okay, I mean, who
knows about that. But where are the broken vases right now?
Do you still have them?

Speaker 11 (12:55):
Yeah?

Speaker 12 (12:56):
I haven't done anything with him. I just put him
in Okay.

Speaker 3 (12:58):
And if you call up, what did they deny the
claim in the first place? Did they ever send you
an actual denial letter or what?

Speaker 12 (13:06):
No, they actually they sent me we had to find
we got the denial after just last couple of weeks
ago when I went in and I said, look, you know,
this still isn't this issue still isn't resolved.

Speaker 3 (13:19):
Are we sure? Listen? I want to dig into something here.
Are you sure you bought insurance directly from UPS, not
from like a UPS store that sells some other kind
of shipping insurance or cargo insurance. But you actually bought
it from UPS and you declared the value of ten
thousand per base and there was two vases?

Speaker 12 (13:40):
Correct?

Speaker 3 (13:41):
Okay?

Speaker 12 (13:41):
Correct, yep, I'm glad to send you. My total bill
for just that package was to have them send it
to me. From Tennessee was four hundred and ninety nine
dollars and sixty seven cents.

Speaker 3 (13:54):
Oh my god, yep, because of all.

Speaker 12 (13:57):
The because I got all the number do you call.

Speaker 3 (14:00):
When you're trying to deal with these people?

Speaker 4 (14:05):
What?

Speaker 3 (14:05):
What phone number? What contact? In other words, I'm going
to have Dmitri. I want you to send us over
the receipt. Then I want Dmitri to call these people up.
What I'm trying to ask you? And I still want
to verify you actually have the right kind of coverage
because I can't believe UPS when it stated value like this.
They're not saying, hey, she didn't buy insurance, Dmitri. Apparently

(14:28):
she bought ten twenty thousand dollars coverage for the shipment,
and now they're just blowing her off two years, right.

Speaker 10 (14:35):
So it's not clear to me if they're just blowing
her off by being super slow and slow walking this
or two years.

Speaker 3 (14:41):
Yeah, but did they actually give amy Amy?

Speaker 10 (14:44):
Did they actually give you a reason, like a succinct
sentence reason that they denied it?

Speaker 13 (14:48):
Yeah?

Speaker 3 (14:48):
Did they say like, hey, these are only worth one
hundred bucks?

Speaker 12 (14:52):
No, the person that I talked to the fourth or
fifth time that I went in there. Who is really
who is actually really helpful? Who? I finally got the
letter from the UPS saying, well, we have you know,
denied that. They said, well, did you ever send the
claim for how much these are worth? Like an actual appraisal?

Speaker 5 (15:12):
Yah?

Speaker 12 (15:13):
And I said, nobody ever asked me to do that.

Speaker 3 (15:15):
Okay, why don't you send them that appraisal? Now? Have
you done it? Since?

Speaker 12 (15:20):
I have not done I have not done it since.
But that because the time that I talked to that
guy was a couple of weeks ago, So I haven't.
I haven't done that because I didn't know what to do.

Speaker 3 (15:28):
Where would you get an appraisal on those basis? Do
you even know?

Speaker 5 (15:34):
Where?

Speaker 12 (15:34):
Would I? I have no idea. I mean, I suppose
I could call my insurance cut.

Speaker 3 (15:39):
Carrier and I know somebody that might be able to
do that. Hold on a second, I see all she well,
I'm not going to say all she's got to do,
But her biggest hurdle right now is she's got to
approve the value of these.

Speaker 10 (15:51):
Right, it sounds like she no longer has the original appraisal. However,
an appraiser will be able to look at the box
of pieces absolutely and say, had this been not broken,
it would be worth ten thousand dollars.

Speaker 3 (16:02):
Hey, Kelly, get Mark mcchowsky on. We're gonna take this break,
or take this break in a second, but get Mark
macchowski on. I want to ask him who he would
go to to a praise a couple vases, because this
guy lives and breathes coins. But he knows everybody in
different businesses. In fact, he's the one that helped who

(16:22):
was that one old guy he wanted to sell something
and he constantly would call back because he didn't want
anybody to take it.

Speaker 10 (16:28):
That was Art with a very expensive watch that he inherited.
Whatever happened to that.

Speaker 3 (16:35):
Hey won't give anybody his watch. I doubt it even exists.

Speaker 10 (16:38):
Quite frank Well, he said he's about to lose his
house the foreclosure.

Speaker 9 (16:41):
I know.

Speaker 3 (16:41):
But Art would not let anybody take his watch. And
Mark wasn't gonna take his watch to a place. He
wasn't gonna take Art to a place. He'd take his
watch there to get it a praise. Because the guy
works out of his house. He's got like a ten
million dollar house and he's got about twenty million dollars
worth of stuff. Well, you don't bring strangers over there.

(17:02):
Just in the praiser. This was an actual potential buyer.

Speaker 1 (17:05):
Wa.

Speaker 10 (17:06):
Yeah, this would have been a really quick cast deal
for art. Let's get let's do that.

Speaker 3 (17:10):
Let's make sure we get a mark on and Hank
tight Amy than Nick has got a problem. He needs
some family law advice. I guess we'll figure out what
that is. I do want to tell you about Frank Duran,
the real estate Man. He sells more homes, more homes
in one month than most realtors in Colorado selling over
a year, and he sells them for more money. You

(17:33):
want the best forget about everybody else, Simple as that,
Frank Duran Holmes dot com.

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(18:05):
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all three nine two zero sixteen twenty two.

Speaker 3 (18:13):
I got Mark Machowski on He's actually specializes in coins.
This guy. If you have any coins and you want
him appraised, or if you want to sell them, Mark
is our go to guy. But over the years, we've
gotten calls on watches, for example, We've gotten calls on paintings,
pretty much anything of value, even outside of precious metals.

(18:36):
And Mark's always got a connection. So Mark, Amy, and
I'm going to bring her up to By the way,
how are you doing today? Mark?

Speaker 9 (18:43):
Oh?

Speaker 13 (18:43):
Good, brother, how are you doing?

Speaker 1 (18:44):
Hey good?

Speaker 3 (18:45):
Were you an Azie fan? Out of the out of curiosity?

Speaker 9 (18:48):
What kind of a fan?

Speaker 3 (18:49):
Ozzy Osbourne? Do you know what?

Speaker 13 (18:52):
Back in high school? It's funny that you mentioned though.
We were talking about and when I was in high school.
I graduated in eighty two, yep, so when I was
in high school is very popular. Oh yeah, island where
I'm from. But I never really never got into them
to them, I didn't listen much.

Speaker 3 (19:07):
Yeah, well that you know, it sucks when anybody passes
away because it kind of a guy like that. It
brings me back to my childhood. But Amy called in
listen here's here's the scoop. So and I'll let you
ask her questions in a second, but I want to
get you up to speed. So a couple of years ago,
someone passes away in her family. There's a couple vases

(19:28):
that are worth a lot of money. She brings them
to UPS. They actually get an insurance policy to value
them through UPS at ten thousand dollars each. UPS actually
packs and ships them because she paid for that, so
they could never come back and say, hey, we're not
going to cover it because it wasn't packed right, So
it sounds like she covered all of her bases. The

(19:50):
problem is they did show up. They are broken. No
one disputes that she needs to get them valued now
that they're broke. How many pieces are they in? Amy,
I mean just it can't be in a ton of
pieces right, Oh god.

Speaker 12 (20:04):
I mean they're in over one hundred pieces.

Speaker 13 (20:07):
Oh my god?

Speaker 3 (20:08):
The one do you have? Do you have pictures of them?

Speaker 14 (20:12):
Uh?

Speaker 9 (20:13):
Of?

Speaker 12 (20:13):
I sent you guys a picture of what the original
vase looks. Vases look like. And then but I haven't
I haven't even opened up the you know, the containers
that they were in because I didn't want them to
deem me for that.

Speaker 3 (20:25):
So, so how does she get something valued that not
only is destroyed at this point? But who would value
a vase? So, you know, ask whatever questions he got marked?

Speaker 13 (20:36):
Well, I can certainly check, you know, I don't know
the value of bases or how to grade them and
et cetera. Yeah, but I might know a couple of
people that would. But based on what the customer said,
what I'd heard, if I'm hearing it right, is that
the piece is in one hundred the vases and a
hundred pieces the.

Speaker 12 (20:55):
Vase is probably close to one hundred pieces marked mars,
I guess I should say packed it with.

Speaker 13 (21:01):
I don't think it has any value member if I mean,
even if one of peace. Let's say you had a base.

Speaker 3 (21:07):
No hold on mark, mark, Hold on a second. I
just want to clarify what's going on here. We realize
there's no value right now. The problem is she ensured them.
She ensured them for ten thousand ups. Is asking for
proof that they were worth ten thousand ups?

Speaker 13 (21:25):
Agreed?

Speaker 3 (21:26):
Yeah? Ups?

Speaker 13 (21:27):
Okay, go ahead, Okay, So I think the best thing
to do is if she can send a picture directly
to my cell phone, I will check with my contacts
and try to get if you want to call it
a certified appraisal with someone who.

Speaker 3 (21:43):
That's what she needs that market Yep, yep, that's exactly.
And what does that typically cost? I mean, because there's
no value or there's no potential sale or commission to anybody,
because it's in one hundred pieces. I would assume someone
that's going to do a true appraisal that would be
taken by an insurance company's going to charge for the time. Correct,

(22:05):
So what would that weed? Do you have any idea?

Speaker 13 (22:08):
Don't know, Okay, but I can certainly help her out
and see her in the right direction. And if she
can just send me some pictures of the vase, I
can forward those pictures over to some people that I
know and see what we can figure out to help
her out.

Speaker 3 (22:22):
I love it so Amy. Here's what we're going to do.
Two part. I'm going to put Dmitri kind of on
this case, but there's not much for him to do
until the appraisals come in and then UPS doesn't accept them.
But I bet they will. Whoever Mark finds they're going
to be the right person. I mean, this is what
this guy does for a living. So do you have

(22:43):
any questions going forward?

Speaker 12 (22:46):
You know, the only thing that I do have stuffer
to me to you where you know, like I talked
to them less than a month later and they said, well,
you have to send us pictures, and then I set pictures.
But you know it's through their website and you can't.
You know, there's nothing that you get back that proves
that you actually did what.

Speaker 3 (23:05):
Yeah, I still need to get to this part though.
We have to get the appraisal. I don't even mind this.
Once you have the appraisal. Dmitri reaching out with the appraisal,
going okay, here, this should be everything you need and
we can probably find some kind of media representative there,
so we don't have to deal with just the website.

(23:25):
But we've got to have the appraisal. Any insurance company, Brian,
you're in the insurance business. I don't care if it's
a piece of hindred on furniture. If someone's claiming that
the hutch is worth ten thousand bucks and the insurance
company is going I don't think so. I mean you've
got to have you got to prove it.

Speaker 6 (23:44):
Absolutely. The difference between like shipping insurance and like if
you scheduled it with your house. Yeah, it would already
have an established value. You would have done it in advance.
They would have wanted that, and they would have agreed
exactly in this case, that's not how it works.

Speaker 3 (23:58):
No, In fact, it's which is crazy because she's buying
ten thousand dollars worth.

Speaker 6 (24:04):
Of cover and then crossing your fingers there. Then you
have to prove it. Now you've got to prove it. Yeah,
it's crazy, Amy, hold on, Go ahead, Brian.

Speaker 10 (24:12):
What can Amy make a claim on her owners, homeowners
or renter's insurance policy with these vases?

Speaker 6 (24:18):
Well, first off, they were and I'm sorry if I'm no,
it's a great question.

Speaker 1 (24:23):
Is it?

Speaker 3 (24:23):
Hold on?

Speaker 6 (24:23):
Was it hers at the time or was it part
of the estate? That it was a good question.

Speaker 3 (24:28):
Did it belong to her? Let's ask her? Hold on,
did it belong to you or the estate? How did
that work? Who's was it at the time?

Speaker 12 (24:36):
So I think, and this this is where it might
get sketchy. So my aunt paid for it. It was
shipped to me and at the time, like I consider
them and she considered them mine. But she wanted she
was so thankful that I helped her. She paid for
that shipping.

Speaker 3 (24:53):
Now wait a second, that's not the question, though, I
don't care who paid for this shipping. Who owned the
vases before you received of them? Did you own them
or did your aunt own them?

Speaker 12 (25:03):
No, that's what I'm saying. My aunt owns them.

Speaker 3 (25:05):
Okay, your aunt owede them. Does she have a home?

Speaker 12 (25:10):
She she did, but she sold it. She sold it
less than less than two months, two months after this
whole thing happened.

Speaker 3 (25:18):
So that's too late, right, No, well, I mean it's
time wise.

Speaker 6 (25:21):
I don't know what her policy will say is how
quickly she had to make that claim.

Speaker 3 (25:24):
What joint is what generally would it twelve months?

Speaker 6 (25:27):
So it's probably out, but probably so, but it does
go back to when it occurred. But if she still
had the home. The problem is with things like vass
or collectible.

Speaker 3 (25:40):
No, it's good. It's going back to the same deal. Yeah,
you got to schedule. Yeah, just like a ring or
an expensive painting. Exactly, there's nothing there. But hold on,
hold on, Amy, what I want you to do. Make
sure Kelly has all your information. Kelly, get it over
to Dmitri now, Mark mcchawski, I want to talk about
coins real quick. Because that's your that's your bread and butter.

(26:00):
We've all seen different shows on TV. In fact, what's
that one out of Vegas where they always are buying stuff?
I love it. I had pawn shop. So we know
those guys buy jewelry. We know those guys by gold.
So when you buy gold, typically, mark, honestly, do you
give a better price, like, explain real quick what a

(26:23):
spot price is? What's the wholesale price? Because unless if
it's pretty fancy, all you care about when it comes
to precious metals is the weight, right, correct?

Speaker 13 (26:34):
Well, some some stuff does have a numismatic premium, like
what over the value of gold, silver, platinum that's in it?
Some stuff doesn't give me an idea, well, like, for instance,
I got Dan down here, Deputy Dan.

Speaker 3 (26:52):
Deputy Dan's down there.

Speaker 13 (26:54):
Yep, he's down here, right Wait a minute.

Speaker 3 (26:56):
Dan Miller is down there. Wait a minute. Wait wait right,
Dan Miller, who sucks at racquetball, is standing next to
you right now, right now, deputy, hold on, hold on,
hold on. We got to talk to Deputy Dan after
this break.

Speaker 11 (27:17):
Go with a sure thing Denver's best Rufer excel roofing
dot com.

Speaker 8 (27:21):
You don't pay a cent until you're content.

Speaker 11 (27:26):
Time for an insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two.

Speaker 3 (27:46):
Called over to talk to one of our experts, Mark Mitchowski,
and I'm going to bring Mark back up. But what
was crazy is Deputy Dan used to help us on
the show years ago. In fact, if you've been listening
to the show for a long time, you can't forget that.
Pity Dan. Him and I just we're always hamming it
up here having a good time. And I still see Dan.

(28:07):
Suzanna and I still go out and see Dan occasionally.
We used to play racquetball all the time, but I
heard that he kind of retired to pickleball. But that's
kind of how that goes as you get older and grayer.
But real quick, you're over there, and this goes exactly
into what I was asking Mark on precious metals. We
talked about spot prices, but mark on top of spot prices.

(28:31):
You're saying some have more value, of course, and give
me an idea of something absolutely well.

Speaker 13 (28:38):
For instance, if you have proof silver eagles, proof silver
eagles are struck mark with specially prepared polished dies that
have a finish, Wow, have a mirror like finish. Other
bullion coins are struck with what you call bu dies,
just like regular dies of the coins that we getting

(29:00):
or changed today.

Speaker 3 (29:01):
So those silver eagles, if what is the weight value,
If all you were going, what is the spot weight value, it's.

Speaker 13 (29:09):
About thirty nine dollars. However, for proof of silver eagles,
it's between fifty five to sixty dollars. Big difference.

Speaker 3 (29:18):
Oh that is a big difference. I'm not going to
say it's double, but that's a ridiculous amount. That's a
great example. And how about like a standard necklace, like
you know, something I go and spend a lot of
money on for Susan, Let's say a good platinum a
platinum necklace that costs let's say fifteen twenty thousand dollars. Really,

(29:40):
the only value that necklace is going to have is
going to be the weight right, the spot price correct?

Speaker 13 (29:46):
That that is correct. Yeah, the markup on jewelry at
times can be anywhere between seven hundred to one thousand percent.

Speaker 3 (29:53):
Of course, is very high. That's why I buy all
my jewelry at Costco. And I'm not kidding there you go,
I kid you not same with my clothes and my chickens.
But that's that's just where I buy stuff. Now, let
me ask you this, doc, you got to turn that off. Hey,
Deputy Dan thinks still haven't changed. I'm listening to a

(30:13):
phone conversation in studio doing the show. It's it's truly remarkable,
It truly is. But let's let's go. Let's let's go
a little further down there. Spot pricing, What exactly is
that if we compare it to a stock, the spot
pricing would be different than a stock at the price

(30:33):
it's going for. Because if I want to buy a stock,
I buy it whatever the ask is. It's up to me.
It's a moving market that goes all the time. But
generally who would pay spot pricing? Like, you can't pay
spot pricing right or else you'd never make any money.

Speaker 13 (30:48):
Welse that's correct, Yeah, you're laying out a lot of
money and you're making very very very small margins. So
some things I can get more than Spot. For other
things I get at spot or even at times three
to five percent below spot. And that's because of the
volatility of the market.

Speaker 3 (31:07):
Wow, that's crazy. So you're just kind of it's the
time frame more than anything.

Speaker 9 (31:12):
Correct.

Speaker 13 (31:13):
Like with Dan, what I'm going to do with him
is I'm going to call up a company that you
have to have an account with that I can sell
it to. I have to ship it, and they're going
to tell me what they pay. For instance, gold dropped
almost fifty dollars an ounce at the opening of the day. Okay,
well it bounce back tomorrow. Hard to say. But my position,
Mark is I don't hold on to anything.

Speaker 3 (31:35):
Well, hold on, Mark, you you just created a question
in my head. I'm very curious on this stuff. So
if you call up the people you would sell this
to and ship it to, do they base the price
on right now because they know you trust you, or
do they base the price on when they receive it
and verify it correct?

Speaker 13 (31:54):
Good point, So it takes a day or two for
them to receive it. So once they quote me a
price and it goes both ways. Once they quote me
a price, if they're going to pay me once they
receive it. If the market goes up or down, they're
still paying me at a locked in price.

Speaker 3 (32:12):
Got it.

Speaker 13 (32:13):
So let's say the market goes down a whole bunch
and they get it two days later. Well, they're still
going to pay me what the market was when I
called it in.

Speaker 3 (32:21):
That's unbelievable. Hey, Mark, what is your number out there?
Give it for people out there if they want to
get a great price on whatever, and it really doesn't
matter any precious metals, or if they have a coin
collection and you just want to know the value of it.
He can help you with that. What is the number
they should call?

Speaker 5 (32:37):
Correct?

Speaker 13 (32:37):
And yeah, I'm a lifetime member of the American Numismatic
Association and a professional coin and current give.

Speaker 3 (32:43):
You the number quickly.

Speaker 13 (32:44):
So that number is seven to two zero nine three,
five four four six three.

Speaker 3 (32:52):
All right, sounds great, Deputy Dan, give me a text.
Maybe we'll meet up later. All right, we got three
hours to go. We got lines open three oh three, seven,
one three eight two five five or three oh three, Martino, go.

Speaker 8 (33:15):
With a sure thing.

Speaker 11 (33:16):
Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Three time for an insurance
check up free, no obligation. Comparison call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three oh three seven seven to one help.
You'll think you're his only customer when you choose Frank

(33:38):
durand the Real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty.

Speaker 1 (33:45):
Two d News need advice so you don't have.

Speaker 2 (33:57):
Run a cam Shooter's gonna help.

Speaker 15 (34:02):
Come man, This.

Speaker 3 (34:04):
Is the Troubleshooter Show. No Tom Martino, Welcome my friends
to the only show of this skuy. We're here to
solve problems, answer questions. Education, that's a big part of
the show. If you've been ripped off, maybe you have
a bad contractor out there, took money and basically did nothing,
or took money and did a horrible job. That's what
this show was born for. Three oh three seven one,

(34:26):
three eight two five five or three oh three Martino.
That second number works on and off the air, and
it works all the time. Sometimes I get back to
people literally when I get a message even over the weekend,
it's a three oh three Martino. Then the other thing
is help HGLP at troubleshooter dot com. We answer that
all the time as well. If you've been waiting to

(34:47):
get through, now's a great time. I got lines open.
Three zero three Martino. Get those calls in right now.
I am going to talk to Brian Burns. Quote Compass
dot com. Compass Insurance is a unbelievable company. If you
deal with State Farm or All State or anybody like that,

(35:07):
you realize when the new year comes around and it's
time to shop your home, it's time to shop your auto. Well,
they're only shopping one company. We call them a captive agent.
State Farm, what's another good one, Brian, State Farm, all State,
American Family Farmers. How about USAA? They're open. That's a

(35:27):
captive agent. That's a captive agency. Who's the general? The general?

Speaker 9 (35:32):
Yeah?

Speaker 3 (35:33):
Who else is a captive I mean we've named quite
a few and generals.

Speaker 6 (35:38):
I look at them more as like a direct writer,
kind of like you would Geico or one of those.

Speaker 3 (35:43):
Now, progressive is interesting because you can either go directly. Well, no,
I don't think that's true. If Joe Blow calls up Progressive,
is there a chance you could be handling it if
it's in Colorado.

Speaker 6 (35:55):
No, so if he's contacting Progressive Direct, he would get
a sance through them. But they do offer you, do
you want an agent with this, and if so, then
they can assign you an agent.

Speaker 3 (36:06):
Now I would be that's a little strange thinking of
the business model, because your agency represents a lot more
than just Progressive. That's kind of interesting. They would do that.

Speaker 6 (36:18):
Well, yeah, they want the business. They want agents to
write them as well, so they just they like having them,
not as they can get. Yeah, so yeah, so that
is curious. But when you have a captive agent, there's
nothing to price. Your price goes up or it goes down.

Speaker 3 (36:33):
And you know, in Colorado, I don't remember the last
time it's gone down, right, So, I mean really, but
they're not shopping anywhere. But what's remarkable is the more
I've learned over the years, especially from Brian and the
Ganga Compass, about insurance depending on what's going in in
their portfolio at the time. In other words, let's take
Progressive again. Progressive does all kinds of different insurances. In

(36:56):
some states they do homeowners in other states, they don't.
Pretty sure. They do auto in almost every stage, yep.
But one year they could be very high on young drivers.
One year a sixteen year old in your family on
your policy, they could be the worst person to go with,
the worst company progressive if you have a young driver.
But the next year, for whatever reason, they might have

(37:19):
the best price for young drivers.

Speaker 6 (37:21):
Yeah, and it changes. I use that just as an example. Yeah,
and they change all the insurance companies. They change based
off of loss experience. So if a certain insurance company
has had a few rough years or a rough year, whatever,
you'll find that their rates start going up. Well, what
we'll do at renewals, we'll look at that and we
see that they're going up over fifteen percent, and then

(37:43):
we'll contact them and say, hey, look, we're going to
shop you around and just see if this is the
best place still, because that insurance company might no longer
be the best deal.

Speaker 3 (37:51):
I'll tell you something, Brian kind of open my eyes
too as well. Is when you have a policy or
two policies with the same company, you generally get a
nice discount if you pay up front. Not all companies
like State Farm is one I know, it doesn't matter
if you pay for a year or six months or

(38:12):
a month at a time, same price period. But Progressive,
I think they're like twenty five percent.

Speaker 6 (38:18):
It's not that high, it's about fifteen percent, but it's
a big discount of massiveful Yeah, and there are carriers
that do that.

Speaker 3 (38:25):
Yeah. Auto owners is another one. And then if you
have two policies, you get another discount. Yeah.

Speaker 6 (38:29):
It's almost always better to have your insurance policies with
the same carrier. That doesn't mean it's always the best, Yeah,
but they incentivize it so heavily too. Yeahst Home, those
are the two. Yeah, if there's three.

Speaker 3 (38:43):
In other words, I think I at one point I
had Progressive. I don't know if I had him for
a home, but for an example, if I had him
for a home, auto and the RV, yeah, I already
get all the discounts whether I had that third or nine.

Speaker 6 (38:56):
Right, And a lot of times, like rental properties, they
don't need to be with the same carrier.

Speaker 3 (39:00):
Now, how about this, How about someone out there that's
only got an auto policy because they live in an
apartment and they never thought of getting a renter's policy, right,
that auto policy if you connect it with the same
company with the renters policy. In renners policy's got I
think Miles Fory bought his house was like one hundred
and twenty five bucks a year. I think his discount

(39:23):
was substantial on the auto because of that little cheap policy.

Speaker 6 (39:27):
If your auto rate is high enough, the discount can
sometimes be greater than what the cost of the renters
insurance is. And we always look at that.

Speaker 3 (39:35):
And a lot of people don't know that.

Speaker 6 (39:37):
Right, right, and then they have liability if nothing else
on the renter's policy as well. Even if you don't
care about your personal property and for some reason you
do damage, because at your apartment, you can be held liable.

Speaker 3 (39:47):
So how many calls are you getting? I know, Kelly
took one we should have taken around the air, but
it's one of your clients and they got canceled. We're
getting canceled, we're getting So typically what happens renewal just
make up a date because everybody's different. Let's say everybody
renews on December first. So when December first comes, what
notice does an insurance company? How many days notice, if any,

(40:11):
do they have to give you They're not going to
renew sixty days they have to. Yeah, they will.

Speaker 6 (40:16):
They give the insured sixty days notice, so they're they're
notifying the so that.

Speaker 3 (40:21):
Okay, okay, so I would get that directly, you would
not get it. Yeah, Mine might not be sixty days.

Speaker 6 (40:28):
They usually are pretty good on a non renewal to
give us a heads up so that we could start
working on it. But it could be closer to forty
five days before we get notice. But they'll have to
give notice.

Speaker 3 (40:39):
How often? Now does that have to be by registered mail?

Speaker 9 (40:43):
What?

Speaker 3 (40:43):
Yeah?

Speaker 6 (40:43):
So for the insured, all they have to do is
they have to it's not registered, it has to be mailed.
They have to have proof that this has been mailed
out and it went to whatever address is on on file.
That's all they have to put in the email or no,
if you're set up for no paper, paperless type of
no pay. If you're set up for paperless, then they
would notify you that way as well.

Speaker 3 (41:05):
Get on the mic, doc, if you're going to talk,
get on the mic. What were you saying.

Speaker 16 (41:10):
I'm just saying, theoretically, if you're on email, you have
proof that it was sent. Of course, if it's in
the mail, and I understand that if a company says,
we put in the mail. They don't have to have
any proof that they put in a mail other than
their word.

Speaker 3 (41:26):
Yeah, how would they, you said, they do have to
prove that they mailed it. How do they prove? Well,
it's really an electronic entry that it's gone out. I
got you know, that's really all they are. And they say, look,
we sent it out. Then you got to just trust
the process. And if you live in frank Town, well, actually,
I'll say this, it's way better now. But if you
lived in Franktown when the old lady was there delivering mail,

(41:47):
you would never get mailed. So it just didn't matter what.
We didn't get checks, we didn't get anything. I digress.
How many people are getting these calls?

Speaker 6 (41:54):
He's notices now you know homes that are any fire risk,
that's the biggest one. That's the biggest one.

Speaker 3 (42:01):
That I just got my renewal paperwork, which.

Speaker 6 (42:04):
I'm always thrilled because yours is a harder place to ensure.
There's a lot of carriers that won't do it.

Speaker 3 (42:09):
No trust me. I know there's a lot of trees.
It's fire again, right, but we are within two miles
of a fire department. Right, actually two of them I think,
or two stations same department.

Speaker 6 (42:18):
Well, and what has changed in years past? It used
to be just what's called protection class. So that was
just derived by how close you are to a fire
department and or how close you are to a fire hydrant.

Speaker 3 (42:31):
So the fire hydrant that's an issue for some of
the companies with our property, Yeah, because because you're a
fire hydrant. But even then, like your protection class is not,
so it goes from one to ten. What's a protection class?

Speaker 6 (42:44):
I think yours is like a five or six because
you're within five miles of a fire department, so the
worst being a ten a tent and a ten all
that means it's it's an automatic tin if you're over
five miles from a fire department, no matter what, no
matter what, even if you have a fire hydrant, even
if you have a fire, I guess it wouldn't matter
because who's going to hook up the fire So it
doesn't matter if it's over five miles. It's a protection

(43:06):
class tenant. And that's what insurance companies used to use.
That's no longer the case.

Speaker 3 (43:11):
Now what do they do?

Speaker 6 (43:11):
They have a fire score, and I think it's like
from you know, zero to one hundred.

Speaker 3 (43:16):
Oh goodness.

Speaker 6 (43:17):
And so the fire score is really based off of
the propensity or closeness or nearness to fire or the
likelihood that fire can come in. And now you could
be a protection class five but have a fire score
of eighty and you're you're not going to get insurance
from a standard market.

Speaker 3 (43:35):
I so why would it be a five and an eighty.
That doesn't it seems like it would be a five
and a fifty.

Speaker 6 (43:42):
Right, Well, the five is really just based on the
response time to the fire department. But if it's eighty,
that means they're saying it doesn't really matter the fire
department can get there. Your house is gonna burn.

Speaker 3 (43:54):
It's gonna burn because maybe you haven't done the right things.

Speaker 6 (43:57):
There's not enough mitigation. But it's not it does where
the whole area could go up.

Speaker 3 (44:02):
That's what it is.

Speaker 6 (44:03):
It's not as granular as a specific address.

Speaker 13 (44:06):
I got you.

Speaker 6 (44:07):
What happens is if you're in that fire score, then
most of the companies are going to.

Speaker 3 (44:12):
Say we're out. So frank Town could have multiple fire scores.
And what I mean by that is where I live.
I live in the trees, the black forest end of it.
But other people live where there is no trees. They
have cattle for thirty five hundred acres. So the could
one place like frank Town have multiple scores. It could be.

Speaker 6 (44:32):
It's usually zip code based, so if they're all in
the same zip code, then it I don't really see
it segregating and saying this part of the zip code's
okay and this part isn't, which is a little bit whacky.
But I take that back because I know if you
go to Castle Rock there's an eight one eight zip
code and I see some that are okay, they come

(44:57):
back with an okay fire score. No, no, don't, so
they must even more granular than that. Yeah, but it's
not as specific as an address.

Speaker 3 (45:06):
So we know that rates can go up. Here's what
I want to talk about. I got to take this
break three oh three seven to one three eight two
five five. Any questions you have, especially for Brian, but
I want to talk about this. It's really important with
insurance and homeowners when we come back. But we know
if you have claims, it can affect your policy premium.

(45:26):
It can also affect coverage and you can get canceled YEP,
Whether it's a hailstorm or something you did, a liability issue, whatever,
we know that. Do they ever rate an individual? Brian
and I don't want the answer to this. But if
I just got out of prison and I was a
serial I'm trying to come up with something that's not

(45:48):
too bad because I'm talking about myself. But I'm a
serial bar beaterter upper. I go into bars and I
beat people up all the time, and I've got a
criminal history the length of your arm. You get the idea.
Do they actually when they look at a clue report,
when they look at the insured, do they take that

(46:08):
into any form of But wait, wait, I do want
to wait till after this break a lot.

Speaker 11 (46:19):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 8 (46:23):
You don't pay a cent until you're content.

Speaker 11 (46:27):
Wait time for an insurance checkup free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O three, seven
to seven to one help.

Speaker 8 (46:39):
You'll think you're his only customer.

Speaker 11 (46:41):
When you choose Frank durand the real estate Man dot
com to list your home with Remax alliance three three
nine two zero sixteen twenty two.

Speaker 3 (46:49):
I can see him standing at the pearly gates with
a T shirt that says, what am I doing here?
I just, uh, I don't know. I got so many
thoughts on Ozzie. I hate when someone from your childhood disappears.
But anyhow, I digress. I was talking about insurance with
Brian Burns and a lot of stuff came up over break.

(47:12):
By the way, if you go to our YouTube channel,
you can hear our conversations of course, and actually see us.
You go to YouTube and then you go to Troubleshooter
Network and you'll find us right there and you can
watch everything back to back. But Brian, we were talking
about this when they rate people. We know, a clue
report talks about a property address, only is that correct

(47:35):
or is that tied to a person? And then do
they ever look at a social security number or do
a criminal background on somebody before they issue a policy?
And the example I used is if you're some kind
of roughneck that's been in jail for beating people up
all the time, even if you've never had a homeowner's claim,

(47:58):
do they look at a criminal history when you're writing
a policy.

Speaker 6 (48:01):
They do not, so there's no background about criminal history there.
It's really limited to to answer your first question. The
clue report will follow the individual and the property, so
it looks at both. So if you're buying a new
house and if you run a CLUE report, it's going
to see what kind of claims are on that house,

(48:23):
but it also is going to look at you to
see if you've made claims on prior home. Is your
auto on your clue Yes, So there's two different clue reports.
There's one that you run for home and there's one
that you run for auto. The auto, again, will look
at claims from a auto. So let's say you just
are purchasing a car. It might show that this car
had claim history, but really all that matters on the

(48:45):
auto is you and what you've made claims.

Speaker 3 (48:47):
Look, I know these insurance companies use action areos for
almost everything. It's different with health insurance, but for what
we're talking about. What's mind blowing to me is what
you just said. Because if I go and speed and
get tickets, I don't want to say a claim, but
I want to say I break the law. Driving d

(49:08):
UI is a perfect example. Sure you get a dui
all of a sudden. In order get insured, you got
to have an SR twenty two and SR twenty two
in order to drive. And I guess real quick. My
understanding of an SR twenty two is basically, it's telling
the insurance company is reporting to the state that you

(49:28):
have insurance constantly, constantly. But don't they do that anyhow?

Speaker 6 (49:32):
No, it's not in a constant basis. It's how it
works out with an SR twenty two. It means the
DMV and the insurance company are linked up. So if
the insurance lapses, immediately, your license is suspended. Oh so
they connect to each other in that way. It's forcing
you to carry insurance.

Speaker 3 (49:49):
Okay, so you do something illegal, like a dui, you
have to have an SR twenty two, your insurance coverage
goes way up, right, because you broke the law. Right,
But if you're a high risk because you're violent, they
don't care. On homeowners even though the liability could be
a ton of money on a homeowner's policy, that's just crazy.

Speaker 6 (50:09):
Yeah, but your liability on your home insurance does not
cover intentional acts.

Speaker 3 (50:13):
That's true. If you went and punched somebody, they're not
going to pay for that anyway. Really doesn't on auto either.

Speaker 6 (50:18):
Well, no, but you're talking about driving infractions, so intentional acts.
It is a little gray when you're talking about auto
because you might say that you intentionally drank and then
you intentionally drove.

Speaker 3 (50:30):
It's exactly what I say. But yet they still cover
that they do. But if I if I go, if
I write this letter, I can't stand Dmitri anymore. I'm
going to run over them.

Speaker 9 (50:38):
Yep.

Speaker 3 (50:38):
And I literally hop in the car and go run
over you.

Speaker 9 (50:41):
Yep.

Speaker 3 (50:41):
They can deny anything.

Speaker 6 (50:43):
They could if they say that they deem that as
an intentional act. You're exactly right, but that's really it's
a much harder thing to prove.

Speaker 3 (50:50):
No, that's what I said. I get a video or right, right.
But it is crazy because the other argument that you
brought up I brought up with John Fuller a lot.
It's crazy that they wouldn't have to pay that example
I just gave, as crazy as it is. But I
could make the decision to go into a bar, yep,
take ten shots at tequila, if the bar serve them
to me or whatever, sneak them, do whatever, go into

(51:13):
a liquor store and down a fifth of vodka in
my car before I leave. Yep, that's not intentional. That's crazy. Well,
that is intentional.

Speaker 6 (51:21):
I think the argument would be that your choices are
influenced by that alcohol. So your intention was to drink alcohol,
that's what. It wasn't to get into a car, red,
it wasn't to go drive and get into an accident.

Speaker 3 (51:34):
So okay, my intention of jumping off a building on
PCP is to fly like a bird. But reality tells this,
I'll go splat. So I mean it's kind to me,
it's the same thing to me. It kind of is intentional.
People know if they drink too much, they literally can't drive.
I'm not talking having a few drinks. I'm saying everybody
in their right mind nose. If you drink a half

(51:55):
a bottle of vodka and go hop in a car,
you're not even gonna know which window to when you're driving.

Speaker 6 (52:01):
And let's be honest, it's not the insurance companies having
a good heart here. No, it's being forced through laws
and that's what's driving that they're saying. The laws are
saying we are going to protect people that are hurt
by someone else that's driving you. Insurance companies aren't going
to get out of pain for it.

Speaker 3 (52:18):
No, and I agree it is in. Here's something else
that drives me crazy with insurance, and we've talked about this,
the homeowners. I can have a hailstorm and they can
cancel me if I put a claim in. I can
have a hailstorm, not put a claim in. They won't
cancel me. Generally speaking, listener are canceling everybody, but on
a car. If a deer runs into me, or a

(52:41):
hel storm on a car, they do not count that
against my premium. If it hails on my car and
I have Progressive, and it hails on my house and
I have Progressive, Progressive can raise my rates on the
house for the same godly action, the same storm, but
under their same policy, for a different policy, but same company.

(53:03):
From my car, they can't raise the rates. And that
is again a state law. That's how it's put into insurance.
Could be different, they are different. You'll run a clue
report and all of a sudden, and it's weird for
me because I deal so much in Colorado. But I'll
run a clue report and all a sudden, the rate
jumps up one thousand dollars because there's a comp claim,
and it's like, what is it's because they can charge

(53:26):
for it.

Speaker 6 (53:26):
There a lot they can't charge for complaints on auto insurance.

Speaker 3 (53:30):
Now, in all honesty, does that make our rates our
premiums higher in general because they're covering more without raising rates.

Speaker 6 (53:38):
It'd be the same kind of thought process if you're
if you're dealing with a person out there that's making
a lot of comprehensive claims, it's causing everybody's insurance rates
to go up, but they're not They're not being penalized
on their own.

Speaker 3 (53:51):
Boy, they're punishing everybody in general. In Colorado. It's spread.
It's the risk of spread out there. I've got an
old Beater or even a new new Toyota that sucks.
Any kind of Toyota like a Forerunner, that's no good.
I say that because Amitri loves Toyos. But anyhow, if
I literally have a twenty twenty four Toyota took hail damage,
I put the money in my pocket. So now it's

(54:13):
got hail damage and I'm driving it around. It's not
going to affect my rates. And I don't want to
get into the value of the vehicle right now. But
all the other people that basically had the same hail damage.
They can raise everybody's rates up, regardless if it held.

Speaker 6 (54:28):
Or not, specifically with that comprehensive portion of the coverage.

Speaker 3 (54:32):
Yes, so instead of punishing the person. I don't know
how I look at this. I don't know if I
like how other states do it better. If I put
a claim in, I get punished. But if one hundred
people put a claim in after a hailstorm, but I
have an old beater that I'm not going to put
a claim in for, I get punished.

Speaker 13 (54:50):
Well.

Speaker 6 (54:50):
And the answer is you get mad at both ways
because you don't like the way the home insurance works
because you're punished directly.

Speaker 3 (54:56):
But you don't like ther way the auto works because
it's not being what do you want?

Speaker 13 (54:59):
Mark?

Speaker 3 (54:59):
Yeah, I know you always cracked me up too, because
you're like, my god, when's the last time you paid
for homeowners insurance? Because if you add up the claims
I've had, they they have covered everything they have lost
on you. Yes, oh, there's no doubt about it. It's ridiculous,
there's no doubt about it. But if you think of
the cost of insurance these days, I mean, it's absolutely outraged, outrageous.

(55:23):
But I tell you crazy it is.

Speaker 6 (55:24):
But I will tell you that conversation I have more
than you can imagine where people will call in they
are furious that their rate is now five thousand dollars.
And I look, and I say, you've had sixty thousand
dollars of losses in the last three years.

Speaker 3 (55:37):
So what you've won, You beat the insurance cover ahead
of the game.

Speaker 6 (55:42):
Not one of them that should be calling and complaining
because you actually have paid They paid you more than
you paid them. Yeah, I know, but people don't. That's
how I understand it's hard. Whenever you get that bill.

Speaker 3 (55:52):
It my homeowners has paid out probably seventy plus forty
no eighty plus forty one hundred and twenty thousand in
five years. Yeah. So and if you think about that,
I think, what is my house about fifteen thousand? I
mean it's crazy. It keeps going up. Yeah, ridiculous. Yeah,
but still if you take that, they have way paid

(56:13):
me more, right, I mean almost double, And that is
my math sucks. They're starting to catch up, They've still
got to get that point.

Speaker 6 (56:21):
Yeah, They're they're going to try to figure a way
to start being profitable on those. But you know, and
then what happens is then all of a sudden, in
five years, you'll have a clean claim history. And then
it opens up a bunch of carriers that are willing
to take it.

Speaker 16 (56:33):
Yeah, I happened to the side of the coin. I've
been out here since nineteen eighty three. I've never had
a claim.

Speaker 3 (56:39):
You've never had a hail claim, never had a claim
on any of my own You know what, I call
you a sucker? If you've lived in Colorado, did you
own a house or always a college. I've always own
my own home, and you've never had a hail Where
did you live in a cave? Seriously? Where did you
live your last house? Not condo house? Yeah? Was was

(57:02):
it the golf course?

Speaker 1 (57:03):
No?

Speaker 16 (57:03):
No, I never had one of the golf course. I
never had one. And when I was living in Fairmont.

Speaker 1 (57:08):
Where was it?

Speaker 16 (57:09):
It was basically by Alan Vita and Quebeca.

Speaker 3 (57:11):
And you're telling me they never had a hailstore.

Speaker 17 (57:13):
Never.

Speaker 3 (57:14):
Well, I never had even roof down. Okay, what are
the chances? How many years did you live there?

Speaker 16 (57:18):
I lived there for four years. I lived there, lived
the golf course. He's moving fifteen years, fifteen years on
the golf course.

Speaker 3 (57:27):
And you never had a hail out where Tom's had. Yeah,
well I think Tom had a claim. No, Tom hasn't. Okay, concrete,
do you have a concrete tile roof? But see concrete
like my roof? Now, if I get hail damaged, you're
just gonna have holes in their car.

Speaker 16 (57:46):
Yeah, and all the homes I've had, I've never had
a claim.

Speaker 3 (57:49):
Okay, he's a good boy. Everybody holds tight, Paul, I
promise your next deputy. Bow's got an update too from
Jurassic Air and Mary I remember that one and then
listen to this one. We're going to try to get
her back on again. But we had what was her name,
Dmitri that called up with the problem with state farm
in the pillar of the Vietnamese community, mark American family.

(58:14):
I'm sorry, American family.

Speaker 10 (58:15):
Name was thuk So. I just left her just before
the show started. I left her a voicemail asking her
to call in with an update on what happened both
with American Family, but even more interesting with the is
what happened to the regulatory agency complained as she filed
against dan Fred.

Speaker 3 (58:31):
Hold on, I'm hoping you have an update. We're going
to find out.

Speaker 4 (58:34):
After this.

Speaker 11 (58:37):
Go with a sure thing Denver's best rufer Excel roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
call Compass insurance paying too much your coverage at dozens
of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only

(58:59):
customer when you's 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 3 (59:07):
If you actually add up all the money you spend
on insurance, I would say, well, okay, a lot of well,
I'm gonna say a lot of people. Some people don't
have mortgages. But I was gonna say, it's possible all
your insurance costs these days more than your mortgage payment.
I'm in the position where I pay more in property

(59:29):
taxes and insurance then I would pay on a mortgage
if I had a mortgage, Which is crazy. That is crazy.
It's insane, man, And it's just, uh, we're just pricing
ourself out of Colorado. I mean, here, we go again.
How many times do I say this? It doesn't matter
if it's insurance. We're just pricing ourselves out of the state.

(59:49):
Our kids can't afford to live here. You've got kids
a little younger than mine. You know, they're about the
same exact age as yours. Are they really have twenty
three and twenty one. Yeah, mine's twenty five and twenty three,
very close. I mean, those couple of years are big, though.
You know, my daughter will go from not being an
attorney to being an attorney in those years. And my

(01:00:09):
son went to a store manager, uh in that period
of time, those couple of years. So, but his money
that he makes in Nebraska goes a hell of a
lot further. I mean, it's insane how much further it goes.
The house he bought there for four hundred and fifty thousand,
five acres beautiful you've seen, did you see?

Speaker 5 (01:00:30):
Yeah?

Speaker 3 (01:00:31):
You quoted it, of course. And that house in Franktown,
with that property five acres, would be one point five
million all day long. His property taxes like four thousand
property taxes in Colorado or Douglas County for that twelve
thousand to fifteen thousand would be in Cherry Hills Village.

(01:00:52):
Oh yeah, it's crazy. And Denver, forget about it. I
don't even know how people afford to live in Denver.
It's nuts. I don't nderstand how people are a landlord.
But Paul's got a problem with Mike Maroney over the years.
We've definitely had a few calls on them in Colorado Springs,
I assume, Paul.

Speaker 4 (01:01:11):
Yeah, am I on?

Speaker 3 (01:01:13):
Yeah, you're on man?

Speaker 4 (01:01:14):
Oh yeah, man, Yeah, So I took my truck there
for a two half. I just need some sensors in
a depth tank pump.

Speaker 3 (01:01:23):
Anyway, Well, hold on, I'm going to stop you. Hold on, Paul,
I'm going to stop you right there. What kind of
vehicle is it? What are we talking about?

Speaker 4 (01:01:29):
A twenty eighteen Chevy thirty five hundred slabbed dually?

Speaker 3 (01:01:33):
Is that a diesel? I assume? Oh yeah, so I
said you brought it in for a tune up. Did
you like you didn't bring parts in? I mean, why
did you bring it in? Was it just do like
a sixty hundred thousand mile deal.

Speaker 4 (01:01:48):
Yeah, so, like you had one hundred and thirty thousand
miles on it and it just it was that time
for all the knock sensors and particulate matters for them
all to be changed.

Speaker 3 (01:01:57):
Got it? So you brought it in and gave him
a list of stuff you wanted done.

Speaker 4 (01:02:01):
Yeah, you know. And I actually brought some parts in
because I did the map and they marked their parts
up five.

Speaker 3 (01:02:07):
Yeah. Literally, I'm shock day installed. I am shocked they
installed your parts. I find them just for the fact
they did that. I find them dumb because that creates problems.
But that's all right. So you bring it down, you
give them some parts, a list of stuff to do.
Did you have any troubles with the vehicle at that
time or this was all routine maintenance?

Speaker 4 (01:02:29):
It was getting it was in litmo because of the
knock sensor, okay, going out and made accumulation. Well, anyways,
I brought him the death tank pump and and to
be honest, they they went through the whole. They told
me the truck was done. So I go pick it up.

Speaker 17 (01:02:43):
How much was it in that?

Speaker 9 (01:02:45):
Right?

Speaker 3 (01:02:46):
Got to watch that, Paul and Paul, hold on, you
have to watch it. You cannot say s h or fu?
Got it?

Speaker 13 (01:02:57):
Oh?

Speaker 9 (01:02:58):
Oh yeah yeah yeah, all.

Speaker 3 (01:02:59):
Right, So we had the I'm missing ten seconds of
my life now, So here's what I want to know, though, Paul.
When you picked it up, what did you pay them? Total?

Speaker 5 (01:03:10):
Two thousand?

Speaker 3 (01:03:11):
Now that two thousand dollars when you brought it in.
This is very important. When you brought it in, I
realized you brought some parts. They probably supplied some They
did the labor. Did they diagnose anything and upsell you
on anything? In other words, you brought it in because
it was in limp mode. Did they diagnose why it

(01:03:34):
was in limp mode and sell you something else? Or
they only did what you said to do.

Speaker 4 (01:03:42):
They didn't do it enough actually, because I needed to
do a foot ridge in so when I picked it up,
it was like cleaning exhaustles or continue driving. So I
had to just put it in first year and drive down,
you know anyway. So I'd get three hundred yards from
the parking lot and I hear a poof underneath the
truck and turn right around. I pull in my death
things this puke and all the death out the bottom

(01:04:04):
of it. The collar popped off the pump. That things
are really hard to do.

Speaker 3 (01:04:09):
So they didn't install it properly.

Speaker 4 (01:04:11):
Yeah, it wasn't installed drops.

Speaker 3 (01:04:13):
Well, I'm sure they acknowledged that considering it's sitting there
on the road, right, this is when you left.

Speaker 4 (01:04:18):
Yeah, yeah, it's draining right out in there.

Speaker 3 (01:04:22):
How far? How far did you get?

Speaker 4 (01:04:25):
Three hundred yards? Oh my god?

Speaker 3 (01:04:28):
Well, wait, Ante Mark? Was this deaf pump uh an
item that Paul brought in? Yeah, he said he brought
it in because it was six hundred bucks. They wanted
two thousand. So it sounds like Paul bought some kind
of an aftermarket. Yeah, where he's going to. He said
that sleeve wasn't done right, he's saying it was labor.

Speaker 4 (01:04:46):
Yeah. Like this this big the thing that locks that
thing in there is kind of you almost need a
chisel bit for a hammer drill to.

Speaker 3 (01:04:53):
Get it off. Well, this should be pretty simple. Like
right here, did the pump? Was it defective? Are they
saying it's defective?

Speaker 1 (01:05:01):
Paul?

Speaker 4 (01:05:03):
They're saying it's defective because it's saying no no fluid
in there. But when that thing popped it then it
came up.

Speaker 3 (01:05:13):
Wait wait, wait, what do you mean they're saying it's
defective because there's no fluid in there. I don't get that.

Speaker 4 (01:05:18):
Yeah, yeah, like that's part of the publicy.

Speaker 3 (01:05:21):
Hold on, I want my diesel guy on hold on.
I want to see if I can't get him, I
got to text him. If not, we'll get Kevin talking on.
But I got a diesel guy that knows everything about diesels,
so I'm hoping we can get them on hold type.

Speaker 11 (01:05:39):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer

(01:06:01):
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 3 (01:06:09):
Were you an Osie fan? You were about same age. No,
I was more of a Christopher Cross Algero guy at
the time. Wow. Interesting. So you're saying you love Dozzie.
How you could not like the Prince of Darkness. I
don't understand, Shannon. I'm kind of more like I got you, Hey,

(01:06:31):
not all of us love. Neil Diamond three three seven
one three eight two five five uh three oh three Martino. Hey, Matt,
Matt is with everything truck and auto Diesel. Great guys.
These guys work on my Diesel bus and they're unbelievable.
I want to put this scenario in your head. Matt.
By the way, how are you doing, Matt?

Speaker 1 (01:06:55):
Matt?

Speaker 3 (01:06:57):
Hold on? Mac all right? What am I doing wrong? Here?
I see him up, I'm gonna put him on hold,
hold on. He might be with somebody monitor that line, Kelly,
tell me when he's up. But basically, to recap, let's
do this. Let's take the big break. We'll be right back.
I'm gonna bring up our diesel expert. I'm gonna bring

(01:07:19):
the caller back up. He's got an issue with Mike Baroni.
He brought his own parts. Who's in the wrong, the
shop or the guy that brought the parts? What failed
the install or the actual part. This is why I
think companies that do it are nuts.

Speaker 11 (01:07:37):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com.

Speaker 8 (01:07:41):
You don't pay a cent until you're contenth.

Speaker 11 (01:07:47):
Time for an insurance checkup, free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies. Find out now three o three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 15 (01:08:12):
Ripped news so you don't have then in as fast
as we can.

Speaker 2 (01:08:23):
Shooter's gonna help coming man, This is.

Speaker 3 (01:08:28):
The Troubleshooter Show. No Tom martinezcome, welcome my friends to
the only show of its guy. We're here to solve problems,
answer questions, take complaints. We're talking about all different kinds
of things. Today, I'm trying to get our diesel mechanic
on his name's Mac great guy everything truck and Auto,
because basically Paul's got an issue with Mike Maroney. They

(01:08:52):
installed a death pump and he left it not only
like three hundred yards after he left, it dropped out
of the bottom. Now, of course they're saying it's the
parts problem, and he's saying, no way, it wasn't installed correctly.
So we're going to go back to that as soon
as I get matt On. But he's also working a
shop at the same time, So we'll just hang tight there.

(01:09:15):
I promise Paul will get back to you. By the way,
this hour brought to you by Genesis Total Exteriors. If
you've been putting off that deck or that gazebo, or
a fence project or maybe you've been looking at siding
or stucco for your house, Genesis Total Exteriors. I have
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(01:09:37):
this year. They also do exterior painting, interior painting. Most
of his painters have been with them twenty years. These
guys are unbelievable. Check them out Genesis Totalexteriors dot Com.
Great people, honestly great great, great company. Now we'll go
back to that as soon as we get mad up.

(01:09:58):
I know we're working on that. Let's go to Chris
and then Deputy Bo. I'll get to you after this.
But Chris, what is going on with this Verizon issue?

Speaker 9 (01:10:10):
It's finally been solved.

Speaker 3 (01:10:11):
Hey, what was give me a give everybody listening? Yeah,
Marco and I took this call. Oh, when we.

Speaker 10 (01:10:19):
Were filling in for you, and Chris sent in Chris,
if I remember this right, you sent in four trade
in phones to Verizon. They acknowledged receipt of all four,
but they only credited you for trade and value into
the phones.

Speaker 3 (01:10:32):
How much were you supposed to get, Chris per phone?

Speaker 9 (01:10:36):
Well, they divided over three years at twenty seven dollars
a month per phone. It comes out to one thousand dollars.

Speaker 3 (01:10:42):
But they only gave you the I realized they do
it in monthly credits, but they were only giving you
two thousand.

Speaker 9 (01:10:49):
They only gave us credit for two. They for some
reason they wouldn't credit the other two.

Speaker 3 (01:10:54):
That's crazy, guys, but they hadn't agree. And I'm curious
on this. When you said they had the receipt, did
you send them all separately or did you send them
all in one package?

Speaker 9 (01:11:06):
They provided the UPS labels and they were sent individually.

Speaker 3 (01:11:10):
Wow, so that can't even be your fault. That's crazy.
So what happened? Who was on it to meet you? You?

Speaker 5 (01:11:16):
No?

Speaker 10 (01:11:16):
We so none of us were what we The way
we left it a couple of months ago is that
Chris was going to just go ahead and sue them.

Speaker 3 (01:11:26):
For the other two for the value of the other
two phones. So what happened Chris? What ultimately happened.

Speaker 9 (01:11:31):
I had called you guys back since then because we
had heard that you had an angel that could help us,
and somebody sent an email and then somebody contacted me
from Verizon the other.

Speaker 3 (01:11:42):
Day and oh, Suzanne, my wife, My wife actually did that.
If someone reached out to the Verizon Angel, it would
have been her. So they got back to you, and
I'm hoping they gave you credit or what happened.

Speaker 9 (01:11:54):
Yes, they credited us for the eight months of back
Night where we had been paying on the phone.

Speaker 3 (01:12:00):
Nice going forward.

Speaker 9 (01:12:02):
Susan handled it all.

Speaker 3 (01:12:05):
Yeah, that's crazy, absolutely unbelievable. I'll give her my dinger
when I get home. So, but you know what's nuts, Chris?
Doesn't this drive you crazy? The fact you had to
call us to get involved or I don't care if
it's well, I don't know any other show like this,
but it's absolutely nuts. At Verizon, at and T, they're

(01:12:27):
all guilty of this. My god. You sent four phones,
four separate packages. It's evident if they have the tracking
number they received them. What were they saying. Were they
saying you shipped them empty boxes? Or they simply weren't
saying anything.

Speaker 5 (01:12:43):
Nothing much.

Speaker 9 (01:12:43):
They created two case numbers. Dave us. The case numbers
said they'd look into it and they would never get back.

Speaker 3 (01:12:49):
Yeah.

Speaker 9 (01:12:49):
Then they ghost you multiple times, they hope.

Speaker 3 (01:12:52):
They hope you go away, and eventually they beat you up.
Eventually they beat you down and there's nothing you're gonna do,
and you're trapped with them on the other ones if
you want to get those credits. So, I mean, it's
really crazy. Here's I'll tell you what happened to me.
One time. It was a T Mobile and I bought this.

(01:13:13):
It's like a mini cell tower that plugs into your
Wi Fi. Then you can actually use back the time
four G because at the time we lived in the
woods and didn't have any kind of connection, so we
had to have this thing. So they sent it out
and it's a piece of junk. It doesn't work. I
end up going with AT and T over T Mobile.
So I box it up, put their sticker on it,

(01:13:35):
just like you did, and I send it and about
a week later, I see it was delivered. I had
the tracking number. It was delivered to the exact people
they told me I never shipped it. I'm like, here's
where you guys received it. It was your label, your
tracking number. I ended up literally taking them to Small
Claims court and they paid me, but I had to
go through all the motions and they received it. I

(01:13:59):
swear to God these companies they must do it on purpose.

Speaker 9 (01:14:03):
What I said, they throw fifty percent of them away
and take their chance that always twenty percent will contact them.

Speaker 3 (01:14:10):
Yeah, let's think about that. Let's say, really, they probably
get a couple hundred thousand, if not a million phones
in trade in a year, and they probably do exactly that.
They say, you know what, We're only going to credit
half of them, and then those that are the squeakiest
will go ahead and grease them up and we'll give
them the credit once they push it. That's crazy, I

(01:14:31):
do believe, and I'm being very serious here in my opinion,
that is part of their business model.

Speaker 9 (01:14:37):
Mark you may recur it from other people.

Speaker 3 (01:14:39):
Earlier this morning.

Speaker 10 (01:14:40):
I sent you a copy of my eleventh page lawsuit
against the Horizon that I filed in County.

Speaker 3 (01:14:44):
Court last week. That's crazy.

Speaker 10 (01:14:46):
It was a very similar issue because they wouldn't credit
me that. You know, the free phone promotion, You get
a phone, you finance it for three years. Yeah, your
monthly payment is actually twenty seven ninety nine, just.

Speaker 3 (01:14:57):
Like with our caller. Yeah, they credit it.

Speaker 10 (01:14:59):
Yeah, well, they had absolutely no problem billing me for
the last four credit and I called and called and called,
and they all assured me that it's I was going
to get it.

Speaker 3 (01:15:07):
And that's what's Verizon? When did you file it?

Speaker 10 (01:15:11):
So I filed it last week Verizon. So there are
two defendants, celluer plus, which is their retail outlet, and
so celluaral plus was served last week and Verizon was
served on Tuesday of the.

Speaker 3 (01:15:23):
Night they reached it. They're going to reach out to
you right before. I bet you have mediation. Where'd you
see them.

Speaker 10 (01:15:30):
In Jefferson County course? Not small claims? This is I
took this one to county court. Why well, I've had
just as you may know, I have four active cases
and small claims right now.

Speaker 3 (01:15:41):
And you can only have so many in a few months.
Well no, no, that's I am not limited out. You
can file two a month if you want to.

Speaker 10 (01:15:48):
No, there are no there's no rules enforcement in small claims.

Speaker 3 (01:15:52):
I'm the only one who read the rules. Hold on,
hold on one second, Chris, I really appreciate that, and
I'll make sure Susan and knows later tonight wouldn't I'm giving.

Speaker 9 (01:16:03):
Email her back. I gave her the email address to
of the executive office of Verizon for future awesome issues
if you have any I both. I appreciate everything you guys.

Speaker 3 (01:16:15):
Do though, Hey man, Chris, we appreciate you appreciating us.
Thank you. Three oh three seven one three A two
five five. Now let me take this break. But I
do really want to understand how much was the dollar amount?
Thousand bucks? Okay, so I I have no idea why
you would do that. I have no idea. I don't
want to know if you after the break, Yeah, okay,
we're going to hear and we're going to see. We're

(01:16:36):
going to see why, because I am curious on this.
I thought you filed more than two already in one
month and you had to go to the next court. No,
you can just go to another county court. To you
you might be the only one. How many cases have
you brought to small claims? Uh? For this year? How
many peer in total? Let's say ten years? Well, I've
a roughly for just four. Oh that's it. One last year.

(01:16:59):
I am with a mature hour.

Speaker 11 (01:17:05):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. Comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only

(01:17:27):
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 3 (01:17:35):
This year, I think Ronnie James Dio we lost Doo.
I don't know if that was this year though, I
don't think it was actually, and I love Dio growing up.
And then Ozzy Osbourne we were talking about it the
uh first hour, one of the first reality shows. Just
great and uh eh rip Prince of Darkness, Yeah all right,

(01:17:58):
three O three seven one three A two. I got
Kevin cocking on. Hey, Kevin, real quick, I'm gonna tell
you what's going on with Paul and Mike Maroney, and
I'll recap it like this. He brought in some parts
and they installed his parts, one of which was a
death pump. When he picked it up. They did a

(01:18:19):
lot of other work too. He spent about two grand,
and once again he brought in the deaf pump, which
I think they're crazy for installing it, but they did.
But the problem is what it always is. He leaves
only three hundred yards, He gets three hundred yards. Man, wow, yeah,
three hundred yards, and the thing spits it out the

(01:18:39):
bottom of his truck. He's basically saying they didn't install
it right. They didn't put the sleeve on correctly, whatever
that means. And they're saying, no, the problem was the pump.
In fact, let's get a little clarification on that, Paul,
when we talk about they didn't both two things. One,
when you say they didn't install it right, what are

(01:19:01):
you saying, Well, I.

Speaker 4 (01:19:03):
Think you're supposed to do a reductant tanks to pressure
test on the scanner, and it feels it's pressurized that
tank before you put that death in there. And I
don't think they're understanding about the level sensor because I
think that's a purge in that depth fluid for like
a few hours before the census starts working. That's what
I've seen online.

Speaker 3 (01:19:22):
Okay, now I want you to put listen, I want
you to put on the defense's hat. And I'm not kidding.
They're saying the problem was with the pump. So pretend
you're Mike Maroney and tell me what the problem is
with the pump.

Speaker 4 (01:19:36):
Well, uh, with the code. The code's coming up for it,
not the level not working right. Uh, But that doesn't
explain the like the collar of the pump is popped off.
My mechanic I brought over there pointed out that none
of the bolts on the bottom of that were really touched.
So he kind of cuts some corners or something. But

(01:19:56):
I mean that collar that tightens it on there, that's
what popped off. It asked to snap three times. If not,
put some grease on there before you do it, or
it's some dish that So.

Speaker 3 (01:20:06):
This thing watch that when it came off, was the
whole unit sitting under the vehicle.

Speaker 4 (01:20:13):
No, it was just kind of like popped off, but
laying kind of like on that tray that guard.

Speaker 3 (01:20:19):
Yeah, all right, so let's let's I want to get
Kevin in on this. Kevin, first of all, you know,
I owned shops for a while. I never had any
I had great texts, but they weren't diesel texts. So,
I mean, honestly, diesel is a thing of itself. How
much about diesel do you actually know?

Speaker 5 (01:20:42):
We well, we don't do a lot with diesel. You know,
we'll do basic maintenance. Yeah, yeah, of course, you know,
electrical breaks, different things, But the fuel systems and things.

Speaker 3 (01:20:50):
You're not going to get into a death tank replacement.

Speaker 5 (01:20:53):
Right, probably not?

Speaker 3 (01:20:54):
Probably not. Plus you wouldn't use his part. You guys
don't install other people's parts to it.

Speaker 9 (01:21:00):
Just no.

Speaker 5 (01:21:01):
Because it lends to this now, everybody points their finger
at each other.

Speaker 3 (01:21:05):
I am so shocked they did it.

Speaker 5 (01:21:07):
Now, that's I don't know why they would. Didn't they
have one avail?

Speaker 3 (01:21:13):
No, it was like two thousand bucks.

Speaker 4 (01:21:16):
And you know, I just got really watched my money spending.

Speaker 3 (01:21:20):
Yeah, we get I look, Paul, I don't blame you
for their stupidity of installing your part. I simply don't
blame you. I think they're crazy, and I also think
you're a little crazy because look where you're at now.
So here's what I want to do. I want to
try to get somebody from Mike Maroney on is the

(01:21:42):
vehicle still there? I got it? Dragon? Did we double hit?
And we double hit. Yeah, I got to put them.
I'm sorry, brouh. I usually say three strikes, you're out,
but two strikes you're out. I'm sorry. Paul, you got
a potty mouse brother. I can't think of the last

(01:22:02):
time last hour, I had to dump them, just so
you know. It wasn't that word. It was the other,
the sh But I can't believe it. I mean, come on, Paul,
potty mouth, Paul, pep. That's what I'm gonna start calling him.
Three zero three seven one three eight two five five Paul.
At this point, I know you can still hear me.

(01:22:24):
I just can't bring you back up.

Speaker 5 (01:22:25):
Bro.

Speaker 3 (01:22:26):
It's gonna take a little bit of time. Plus I
don't even know what he wants. You know what, Kelly,
do me a favor. He didn't want us to call
over to Mike Baroni or do anything, So just ask him,
because now I'm just curious, why did he call us?
If he listens to the show, he knows the next
move is to call them up and figure out what

(01:22:48):
the heck's going on here, And I would love to
know what's going on there. Hey, Deputy Bow, what's cooking? Oh?
Hold on though, hold on, hey, Kevin, Caukin. I'm sorry, man,
you know what he said?

Speaker 5 (01:22:59):
Right? Oh yeah, I heard it.

Speaker 3 (01:23:02):
Yeah, So let me ask you this, So how would
you prove it? I think you would have to get
a good diesel mechanic that's respected to examine the pump
that fell off. If he has it, it sounds like,
you know, it's still at Mike Maroni. But someone would
have to look at it and figure out if the
pump was good or not. But it's It might not

(01:23:22):
be that simple, yeah.

Speaker 5 (01:23:25):
Because a lot of times the aftermarket stuff will come
without a lot of the install You know, it's cheaper,
but you don't get a complete kiss.

Speaker 3 (01:23:32):
So they're trying to use the older parts that.

Speaker 5 (01:23:34):
Should be replaced parts to go with the new pump,
and that that may have been an issue. Yeah, exactly.

Speaker 3 (01:23:39):
Hey, are you starting to see a bunch of the
AC services?

Speaker 4 (01:23:43):
Oh?

Speaker 5 (01:23:43):
None stopped?

Speaker 3 (01:23:44):
Yeah, my god, I tell you this time of year,
back in the day. You see how I look right now, Brian,
I'm telling you I'd be rubbing my hands together for
those hundred degree days. Those cars would line up for
the two hundred dollars AC services like nobody's business people
wait till the last second, Kevin, you gotta wait.

Speaker 5 (01:24:03):
I mean the newer stuff is double that price.

Speaker 3 (01:24:05):
Oh my goodness, how much? Like what does it range
now for an AC service? Like if you have a
twenty fifteen compared to a twenty twenty four? I mean,
what are we talking?

Speaker 5 (01:24:16):
Yeah, they're double the newer ones, double the older ones.
Oh my goodness, machine twice as long because all the
EPA stuff the machine has to do. Yeah, yeah, yeah,
and then the free on is four times the price
that the older free on is. Hey, yeah, it's an
expensive date now for for the the twelve thirty four ys,
it's very expensive.

Speaker 3 (01:24:34):
You know, Brian, we talked about this, Kevin and I
a couple of weeks ago. That's compass insurance here, Kevin,
Brian Burns. But thank Kevin. So these new machines cost
so much. Every technician in a shop has to have
a state certification to put free on in and out.
The biggest thing is they don't want in the atmosphere,

(01:24:54):
so a lot of people don't know this. You hook
the machine up, it sucks all the free on out
and keeps it there. Then you either put a die
in it or you troubleshoot it. You replace a bad hose,
the compressor, whatever you got to do to the AC
to fix it. The free on's out of it so
it's safe to work on. Then you put everything back together,
then you recharge it. Generally you're using the guys same

(01:25:15):
free on to go back in and you might have
to add some to it. I mean, Kevin, am I
saying this all correctly?

Speaker 13 (01:25:21):
Still?

Speaker 17 (01:25:21):
Ye?

Speaker 9 (01:25:21):
Right?

Speaker 3 (01:25:22):
So but check this out. So you got to have certifications,
equipment that's certified all this just to do AC services,
which is one of the reasons AC services are expensive.
But depending on the free on you have, anybody can
walk into Walmart, buy free on in a can and
add it to their car all by themselves, or for

(01:25:44):
that matter, just spray it into the atmosphere if they
want to. I find it ridiculous, Kevin, Yeah.

Speaker 9 (01:25:51):
It is.

Speaker 5 (01:25:52):
And a lot of the stuff you buy Walmart has
a sealer in it.

Speaker 3 (01:25:56):
Yeah, which can screw up the system.

Speaker 5 (01:25:57):
The system we won't touch the car.

Speaker 3 (01:26:00):
Yeah. And you know what's funny is there probably is
a bunch of people right now just standing out in
front of Walmart just spraying them right into the air. Okay,
maybe maybe I'm wrong there, but No, it is weird.
Though you don't have to have You can walk in
and buy it, but in order to help somebody out
with it, you got to have a license. It's crazy.

Speaker 5 (01:26:19):
I can't buy it without a license.

Speaker 10 (01:26:20):
Wait a minute, you know Kevin just said something really weird.
He said the stuff, well, I might have ceiling in it.
Can you talk about that and why you shouldn't or
should put that in your car? What's what's the downside
to using stuff with seilings.

Speaker 5 (01:26:34):
To be a magic potion? So the reason you lost
your free on to begin with is now going to
be fixed by the magic seiler? Oh tegical is plug
up the filters on our machines.

Speaker 3 (01:26:45):
That's why he wanted to. It's not that he cares
that someone did it. It's that ceiling can get into
the machine. Gosha you know.

Speaker 5 (01:26:53):
Yeah, so that way, if I see a can in
their back seat, I passed like that, I won't touch it.

Speaker 3 (01:26:58):
People. People have got to realize it's a closed system.
Like when's the last time you had your refrigerator charged
with free On? I mean seriously, never, right, I mean
the answer is probably never sealed for life. Yeah, it
should never go away. In fact, if it was built proper, right, Kevin.
I mean really, if the compressor, if everything was built perfectly,

(01:27:19):
the free on should never go out of it ever.

Speaker 5 (01:27:22):
Yeah, in theory, you should never have to retarget correct
unless there's a lead.

Speaker 3 (01:27:26):
So anybody that's got to add free on in order
for it to work, we know one thing for sure.
It's leaking free on. And that goes back to my
entire craziness that you can walk into Walmart and buy
a can of free on and put it into a
car that's leaking free on, And that's exactly what they

(01:27:47):
tell shops not to do and enforce it. Like Kevin said,
he can walk into Walmart of course and buy a can,
but when he buys it for his machines, he's literally
got to show him a license.

Speaker 5 (01:27:58):
Yeah, it's on register with NAPA for example. If I'm
buying free on, they have my license on file to
sell it to me.

Speaker 3 (01:28:04):
Isn't it nuts?

Speaker 6 (01:28:06):
Yeah, it's total counterintuitive. I got to understand.

Speaker 3 (01:28:09):
And once again, you don't use free on free on
if it's missing in needs free.

Speaker 6 (01:28:15):
On, right, Hey, Kevin, how do you know if someone
has put a ceiling in you just have to rely
on them telling you good question.

Speaker 5 (01:28:22):
Either that or we find an empty can or a
machine can identify it, sometimes in time to stop the process,
but sometimes not.

Speaker 3 (01:28:30):
They'll probably tell you though, right, I mean, if you ask, hey,
if you added any free on do you guys ask him?

Speaker 5 (01:28:34):
We asked no, We definitely ask chess.

Speaker 13 (01:28:36):
Yeah.

Speaker 3 (01:28:37):
Wow, what a trick. What a trick. I never would
have thought that in the equipment. I just never would
have thought it. Man, Well, anyhow, Kevin Cokin shared an
auto tech. I appreciate it. Man, three oh three, four, five,
five seven two four to two. Kevin's joining us as
Friday as well. Oh oh, Kevin, Kevin, guess who's coming
back in Friday? Just one more time?

Speaker 5 (01:28:59):
One more time?

Speaker 3 (01:29:00):
He's coming Well, Jeff's gonna be here. But guess who's
coming in one more time?

Speaker 5 (01:29:05):
Who the beer man?

Speaker 3 (01:29:07):
The beer man, rock and roll top heer, his big
his big uh. I don't even know what you call it, Polloser,
his beer Palooser is coming up and we're going to
be talking about it. But I'll see you Friday, Hey, Kevin,
I appreciate it. Anybody out there really looking for the
best guys that cannot only maintain your car, you know,

(01:29:29):
oil changes, alignments, break jobs, anything like that. Any maintenance
it them. But then the repairs Sheridan can do. This
guy's really good electrical problems, you name it, They're going
to be able to fix it. Shredanautotech dot com. Deputy
Bow hang tight, go with a.

Speaker 11 (01:29:51):
Sure thing Denver's best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an
insurance checkup free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out Now three all three seven to seven to
one help. You'll think you're his only customer when you

(01:30:13):
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three all three nine
two zero sixteen twenty two.

Speaker 3 (01:30:20):
Dmitri was explaining to us meat Fest, and what is
that Meatfest? So just to kind of explain it really quick,
He's got friends and they all gather once a year
and they eat meat all day, all day, everything, sausages.

(01:30:41):
They even have very exotic stuff. Last year, someone bought
some lion. I mean, that's about as exotic as it gets.
We had zebra, zebra. And I said, how about chicken?
And he goes, oh, and Brian, you were here. He goes, oh, no, no, no,
no chicken is allowed. Well, specifically, you said chicken is

(01:31:03):
a cop out. Yeah, he said it's a cop out.
And I said, oh, it's a foul party fowl. I mean, oh,
that went right over your head. But that's all right.
So then I said, wait a minute, I thought, last
year you brought and cooked wings, and he goes, well,
yeah I did. Now does anybody see the flaw? And

(01:31:25):
then went on to say, chicken wings are encouraged. Chicken
wings are encouraged, but chicken in general is not encouraged. Right,
you do realize a chicken wing is still part of
the chicken.

Speaker 10 (01:31:38):
Yeah, but it's like several layers above in quality over
what you get in a flavorless, rubbery chicken breast, for example.
So no chicken breasts, no chicken thighs. But chicken wings
are encouraged because everybody loves chicken.

Speaker 3 (01:31:51):
Whis I mean, what do you say? It's like, no,
we don't. We do not like beef, but you can
cook steaks and hamburger.

Speaker 10 (01:32:00):
Look, last year we had well over twenty different species represented,
so it doesn't have to be just mammals or birds.

Speaker 3 (01:32:05):
People. PW. You say you said something else I found interesting.
I said, what's the craziest stuff you tried? And you're like,
I really don't try any of that crazy stuff. That's true.
But then Brian said something to you and you answered, well,
I look it to person first that's cooking it. Yeah,
that's very important. So people show up with their meat

(01:32:25):
and literally cook it there.

Speaker 10 (01:32:27):
Well, you can bring it pre cooked and then we'll
warm it up in a grill, or you can grill it,
or you.

Speaker 3 (01:32:32):
Can grill it.

Speaker 10 (01:32:33):
We also have a smoker and this year we have
a staff of four. There's a professional shift nice and
three weight staff that would be working.

Speaker 3 (01:32:39):
But what was interesting about that question and where it
went was you said you will eyeball the individual before
you'll ever try their.

Speaker 10 (01:32:49):
Absolutely, because I have to ask myself to this guy
clean his hands well while he was preparing this dish
that he likes, scratches butt and then go back to
working on the meat without washing his hands. So I
gauge the person, and then I decide whether or not
I'm going to eat that meat.

Speaker 3 (01:33:05):
So I assume you don't eat in restaurants. That's the
one flaw. So you do eat at restaurants?

Speaker 9 (01:33:13):
I do.

Speaker 3 (01:33:14):
Okay, So this goes back to the chicken, and think
about this. A wing is not a chicken, even though
it's a chicken wing. He doesn't. He'll go where there's
a complete stranger, never even seen the guy in the back,
and eat his prepared food. But he'll forgudge some poor

(01:33:34):
bastard that shows up in meat fast by how he
looks right.

Speaker 6 (01:33:38):
Well, he pretends in his mind that whoever's cooking that
food in the back is using very stringent quality.

Speaker 3 (01:33:45):
How do you even how does that work in your brain?
How do you justify those two? Well, the restaurant would
have some kind of how do I how do you
reconcile that nuts?

Speaker 10 (01:33:57):
Well, you know, I recognize that I can't eliminate this
risk of butt scratching and then touching my food completely
from my life.

Speaker 3 (01:34:05):
But I can take certain steps to mitigate it. Okay,
how about food delivery where you have uber eats? I
never have once ordered food deliver I have never well
have about a pizza. Oh yeah, except for pizza. Of course,
There we go again. I mean I really just thought
about it. Chinese food and what else? What else delivered?
Because how about Chinese food? No, no, no, I refuse

(01:34:27):
to use Uber Eats or what are the other ones?

Speaker 1 (01:34:29):
Oh?

Speaker 3 (01:34:31):
Oh, because they reach it. The mom absolutely orders every
single day, every day and for the life of me,
you know, and he'll go, oh, well, it's stapled, and
I'm like, oh, like the driver can't stop at Walmart
and buy a staate.

Speaker 10 (01:34:47):
No, he probably carries one car so he can eat
all the free in.

Speaker 3 (01:34:52):
The club box. Do you learn that they're going to
do something to your food? Oh my god, I am
terrified anything could happen. They might eat some of the food.
I don't. I'm not worried about that. It's more the
cost you see some of the peat I'm gonna be
and there's people out there that are gonna hate me
for this.

Speaker 9 (01:35:10):
Now.

Speaker 3 (01:35:10):
Look, I'm sure, like everything in life, there's good Uber
Eats people. They're good people. They're good, clean, great people,
wonderful people, the biggest, the best people. Now that I
covered that, I have seen some drivers delivering food that
look like they're homeless. And if you don't think they
dug that homeless hand into the bottom of your fries

(01:35:34):
your freak, But.

Speaker 6 (01:35:36):
You'll get on an uber are you? Are you concerned
in the same way of.

Speaker 3 (01:35:40):
No, I don't care if they drive me around, but
if they try to make dinner in the uber, I'm
not gonna eat it.

Speaker 6 (01:35:46):
You're getting into a car with someone that's had five accidents.

Speaker 3 (01:35:48):
You don't know. You're you're giving your life to tell
why I bought an umbrella policy where the um actually
exceeds from you, Brian from You're worried.

Speaker 6 (01:35:58):
About fries, but not your life. That's what you're saying.
You're you have the same logic as as the matriar.

Speaker 5 (01:36:05):
I do not.

Speaker 3 (01:36:06):
I do not go ahead. I have to agree with Mark.
It's discussed. Have a question.

Speaker 13 (01:36:13):
So you have.

Speaker 16 (01:36:14):
Insect protein that your meatfest?

Speaker 3 (01:36:16):
Uh? No, Oh, that's disgusting.

Speaker 16 (01:36:19):
The idea locust crackers and stuff like that because they
believe it.

Speaker 3 (01:36:26):
There was one point where my wife and I love
my wife, I am not kidding you. She gets on
these weird health things. Okay, she was eating earth earth dirt.
At one point I was paying, well, she works too.

(01:36:46):
At one point we were paying as a couple for
Earth from Amazon for her to eat well. At least
was it dirt cheap. No, you would think you could
literally go out with a ziplock in a spoon and
get it for free. This is what we ordered it
from Amazon. Mark. This is the modern day version of

(01:37:08):
pet Rocks. Yeah, Earth, she was on Earth. Hey, Steven's
got a real problem. We're gonna dig into an issue
with tint my ride car tinting, and let me tell
you if you've ever had a car tinted and the
guy didn't know what they were doing, it will make
your car look like.

Speaker 11 (01:37:33):
Go with a sure thing. Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only

(01:37:54):
customer when you choose Frank durand the Real Estate Man
dot com to list your home with Remax Aliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (01:38:08):
Ripped news.

Speaker 15 (01:38:12):
You don't have come.

Speaker 1 (01:38:16):
Running just as fast as we can.

Speaker 2 (01:38:18):
Shooter's gonna help.

Speaker 15 (01:38:20):
Come man.

Speaker 3 (01:38:22):
This is the Troubleshooter Show No Tom Martinez. Welcome my
friends to the only show of its kind. We're here
to solve problems, answer questions, take complaints you have any question,
especially on insurance. Today is a great day. One of
our experts, Brian Burns, Compass Insurance, have personally used these
guys for man coming up on fifteen years. They reshop

(01:38:44):
us every single year, for our motor home, for our
for everything you name it. If you can think of
an insurance, including commercial policies, they do it everything but
health insurance, I should say. But let me tell you this.
This hour brought to you by the Prince of Dark Barkness.
John Michael Osbourne yep Ozzy passed away yesterday, nineteen forty

(01:39:07):
eight December thirty. Was born July twenty second, twenty twenty five.
He passed away. A lot of it had to do
with health issues of all kinds, Parkinson's being one of them.
He became the founding member of Black Sabbath, or one
of the founding members in nineteen sixty eight lead Vocals

(01:39:30):
nineteen seventy to Never Say Die. Then he got fired
from Black Sabbath years later and of course started his
Solar career. Isn't that funny? It was one of the
founding members and he gets fired out of Black Sabbath.
Guess why Ozzie got fired? Ooh, this is a hard one.
Drug you can't Yeah, drugs or alcohol, yep, or all

(01:39:50):
the above. But then a successful solo career after he
got kicked out of the band started with Blizzard of
and then followed by thirteen different studio albums. Almost everybody
out there in this country, or at least listening right now,
has heard Crazy Train one of the uh, one of

(01:40:11):
my favorites. Mister Crowley another one of mine, but uh,
rest in peace. Mister Osbourne. You were really cool when
I was growing up. I really like listening to your music.
I won't say I was smoking pot with my friends listening,
but some people probably were. Doesn't it suck getting older

(01:40:33):
when people you listen to growing up die? I mean,
think about it.

Speaker 6 (01:40:38):
I know, and I mentioned earlier to you. Also, just
I'm sorry. I don't know his real name, but THEO
Huxtable I know it was a guy I watched growing
up on The Cosby Show.

Speaker 3 (01:40:50):
He passed away. I absolutely love that show, growing up
Bill Cosby and listen. I don't think. I don't know
what Bill Cosby did or didn't, but I know one thing.
He did a lot of bad things to women. Okay,
whether it was one or fifty, I don't know the
answer to that. I have no doubt he drugged women.

(01:41:10):
I just have no doubt about it. But somewhat like
Michael Jackson, And tell me if you guys are the
same now, Michael Jackson, though, I don't know if he
really did anything nefarious, but there was a lot of
people out there pointing to some really weird stuff. Now
you could either say he was like a child and
he would have sleepovers with McCauley Culkin and this kind
of stuff, or you can say he was a pedophile.

(01:41:33):
I don't know the answer. It was never proven that
he was, so I got to kind of take him
at his own word. No one ever, but people did
come forward he was weird. But I can separate the
actor or the musician and the music or the movie
if you will, or the show from the actual people.

(01:41:56):
I don't have a problem doing that. I love the
Cosmy show. I thought Bill Cosby with fat Albert was
a genius, an absolute genius. I think his record albums
that I bought at garage sales when I was less
than ten years old. I was buying these and listening
to him in my room at night. Genius. The man

(01:42:17):
was a genius. And I would guess I'm not an
expert on this, but I would guess he brought a
black comedians around. I bet he was one of, you know,
along with Red Fox and other people. I bet he
was very influential on where we are now, with people
like Chris Rock and even Eddie Murphy going back aways,
I bet he was arguably one of the best.

Speaker 16 (01:42:39):
Mark There's no moral question about supporting somebody who you
believe is immoral.

Speaker 3 (01:42:46):
That's where it goes with Bill Cosby. But no, I no, no,
I don't know how I separate his work or his
art from him.

Speaker 16 (01:42:58):
Well, you can appreciate the ard but not support him
monetarily by purchasing his products.

Speaker 3 (01:43:04):
Well, I don't know you. Well, that's hard to say
if you've never drinken a Coca Cola. I mean, anybody
that's ever had a Coca and of cola Coca Cola,
that's Bill Cosby. Well, have a Coca and a smile.

Speaker 16 (01:43:16):
Coke is maturely different than purchasing an album.

Speaker 3 (01:43:21):
Well, I don't know about that talk. I don't know.
It's a it's a great way to put it, though,
it's a great way to put it. I don't know.
Like but I don't look into a lot of people.
And I'm sorry, I'm I'm way off topic here. We've
got lines going. But you know, it's very interesting to
think this Salvador Dolly, I've never looked into him. I'm
just using them because of where you were going. I

(01:43:43):
don't know if he ever did anything horrible. I have
no idea. But if he did, would I not buy
the Melting time Piece? I don't think it would matter
to me. I just don't. I don't know, but I
sure wouldn't buy Hitler art. I wouldn't. I wouldn't buy
Hitler art if there is such a thing. So, I
don't know. Can it can? It depends? Make sense? Yeah,

(01:44:07):
that's what every lawyer says. It depends. Yeah, Bill Cosby,
I have no problem watching reruns of The Cosby Show,
and no matter how you look at it, the man's
still alive and he's still getting money when that plays anywhere.
So I am contributing to Bill Cosby no matter what,
there's no doubt about that, right would you agree with that? Oh,

(01:44:29):
I agree with you. I'm not outright going out and
spending money directly with him. But because there's a lot
of people like me that watch reruns, these people get paid.
But that's uhh, that's what it is. Now. I'm sorry, Steven.
I appreciate your holding so long. What is going on
with your Tesla and car tinting?

Speaker 9 (01:44:52):
Can you hear me?

Speaker 3 (01:44:52):
Okay, I got you perfectly, sir.

Speaker 17 (01:44:55):
Okay, so you know I've had this seas for a
while and test the mission kind of blowing off off
and say that it's because I got windows ten in
my car that I'm having these grooves being cut into
my tent. And you know, I'm sure you as well.
You know TESSAs are everywhere and the friend of Dolphine
are tended.

Speaker 3 (01:45:12):
Wait a second, Wait a second, Steve, and I still
don't understand what you're saying. You got your windows tinted
by somebody that wasn't Tesla, but it's causing what problem.

Speaker 17 (01:45:23):
Well, what I'm having right now is there is these
deep cuts into the window ten, like coming from a
motor of the window, you know, like if if the
window itself was interest the line or bracket there, you know,
it could cause you know, damage to the window.

Speaker 3 (01:45:37):
Ten you know, yeah, that's interesting.

Speaker 4 (01:45:42):
You know.

Speaker 17 (01:45:42):
I brought over to them and they were saying, well,
because you got window, your window tended, that's you know
that that's that's a cousin is so you know, went
back to forth with the window ten place, and they
reassured me they they have tests themselves. They you know,
this wasn't because of them.

Speaker 3 (01:45:57):
Does it happen? What Stephen does it at? First of
I really want a picture of it and I'll put
it up on her YouTube channel. And I also want
to give a shout out right now for any other
Tesla owner that has had this issue. I'd like to know.
I just have never heard this before. And Brian Burn
sitting next to me, literally, you just bought a new
Tesla yep, and you had your windows tenant.

Speaker 6 (01:46:18):
I did, and I did it and not that this matters,
but you can do it through their app when you're
purchasing the car.

Speaker 3 (01:46:24):
But how you did I did interesting.

Speaker 6 (01:46:26):
But it's it's not Tesla that I'm going to the
place that they set me to was tent World. But
they're possibly through their app that I did it.

Speaker 3 (01:46:35):
Steve and Brian, because you both have them tinted. Is
it possible that yours is thicker than the average or
it doesn't work that way? I have not heard it.
They use three M still for almost all these window tents.

Speaker 17 (01:46:53):
It is like luminar and XPL you know, they're they're
all They're all.

Speaker 3 (01:46:59):
Window does it have on all of them?

Speaker 17 (01:47:02):
Right now, it's my passenger that's showing the deep grooves
in it, and then my driver aside, was starting to
show the similar signs. And that's when they initially had
to set up for service to replace the windows. And
when my wife dropped off the car this morning, Wait
a minute, wait a mine minutes later, I gotta is it.

Speaker 3 (01:47:19):
Grooving into the glass as well?

Speaker 17 (01:47:23):
That's unknown, but it's definitely grooving into the window ten
because you can rab your fingers over it and your
fingers are getting stuck in those grooves.

Speaker 3 (01:47:29):
Well, hold on, if it's actually listen, if it's actually
going into the glass itself, I mean, there's no doubt
that's a problem with the Tesla. That would never be
the window tin. But if it's only scratching, that God
that's I just have not heard this problem before. What
is the window tin?

Speaker 4 (01:47:50):
Come?

Speaker 3 (01:47:50):
Because what is the window tint Uh? What's the name
of the company.

Speaker 17 (01:47:55):
The company I went to was tint my Ride.

Speaker 3 (01:48:00):
Like Pimp my Ride and tip my Ride.

Speaker 17 (01:48:02):
Yeah, like pit my Ride, but pit my Ride.

Speaker 9 (01:48:04):
Yeah.

Speaker 3 (01:48:04):
Hey, what's their Do you know their phone number?

Speaker 4 (01:48:09):
I do?

Speaker 3 (01:48:09):
They're good, They're no, no, no, I know they're good.
I want to talk to him as an expert. I
that's It's got nothing to do with going after I'm
seeing this online. Hold on, hold on, Kelly, do me
a favor, pick up and get tip my Ride's number.
I'm not mad at tip my Ride at all. I
want to simply understand what they think is going on,
Like what scratching it have they pulled the door panel?

(01:48:30):
And Brian, you're saying you're finding this is an issue.
I do see that it's an issue. You're only like
on model threes? What's it?

Speaker 6 (01:48:36):
So it says it's the models affected as a model
three s X and Y, Well, that sucks.

Speaker 3 (01:48:42):
I got two of I got two of them. Hold on, Hey,
what do you have, Steven? What model.

Speaker 4 (01:48:48):
Model?

Speaker 9 (01:48:48):
Why?

Speaker 3 (01:48:48):
Okay? Hold on, that's everything they make literally everything they
make their truck, so it says a cyber truck. Tell me, oh,
you're right, no cyber truck or dibriel what was that called.
It's like, okay, it only effects everything we make. Okay,
all right, everybody hold tight. We're gonna dig into this.

(01:49:08):
Hopefully we can get an expert from Tip my Ride.
But you're seeing a lot of stuff. Keep digging in
and I see the problems. Is there a fix? No?

Speaker 11 (01:49:18):
Hold on, Go with a sure thing Denver's Best roofer
Excel Roofing dot com.

Speaker 8 (01:49:28):
You don't pay a cent until you're contenth.

Speaker 11 (01:49:33):
Time for an insurance checkup, free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 3 (01:50:07):
All right, three oh three seven one three A two
five five. This one's pretty crazy. The owner of timp
my Ride, he doesn't want to come on, Kelly, I'm
not even mad at him. I just wanted some information.

Speaker 7 (01:50:20):
Yeah, he's actually out of the office currently, So I
loved a message.

Speaker 3 (01:50:25):
Fair enough so we can get on. Thanks. So Stephen
basically had timp my ride ten his windows on his Tesla.
What do you say as a model hy and now?
And I wanted to ask you this, Stephen. Did it
happen to any other windows or just the passenger window?

Speaker 17 (01:50:45):
It's the passenger window and it's starting to happen on
my driver window.

Speaker 3 (01:50:48):
So Brian did some research, and I guess you have
at this point too. It is a problem with some Tesla's.
I can't figure out how wide spread it is. But
what's the fix on it?

Speaker 6 (01:50:58):
Brian, Well, just to answer you on the problem part,
I guess Tesla's are known to have a tighter window
seal so than most regular vehicles.

Speaker 3 (01:51:10):
Well, that makes sense because any air that's escaping or
going in has to do with the weight, and it
has to do with everything, and it slows it down
for miles per gallon or miles per battery or whatever
it is. And it's so tight that it can put
this excessive pressure on the window. It's not like electric
motor or something mechanical that's making the window go up

(01:51:32):
and down, that's rubbing against it when it's down. It's
literally that entire seal well.

Speaker 6 (01:51:37):
But there's the fix to it is that it's called
mole skin or felt lightning, and it's this soft lining
that they put on the window channel that keeps it
from scratching as it goes up and down, even with
extensive pressure.

Speaker 3 (01:51:54):
So how would you install that? You got to pull
the door, yeah, or not the door, but to pamp
in it up the panel. But I'm reading here did
they do that to yours or you?

Speaker 13 (01:52:03):
I don't know.

Speaker 6 (01:52:04):
I will find out, but I'm finding here because I
put in here. Is that should that be expected? Or
is it so infrequent of a problem. They said, absolutely,
it's a well known issue and tent shops should know
to do this.

Speaker 3 (01:52:16):
So let me that's that's a great point. Let me
ask you this. And once again, I mean, you said
you'd like timpt my ride. But if if this has
been going on and all they really do is window tinting, Stephen,
don't you think they should have known to do this?

Speaker 17 (01:52:33):
Well, I would say yes. But at the same time,
because I want to tell you this, I want to
can I tell you a little story. What happened with
really quick go ahead? Okay, So what really bothered me
was that I took it there were you know, they're
searching to brush off, like, yo, this is because you
went and catch you one attend and all that. So
I came back talk to a different super service ad

(01:52:54):
either and they got me an appointment because when NFL
oh yeah, this shouldn't be happy and I've never seen
any of this like this before. So I had the
appointment with today. My wife dropped the car off and
in the app I could see my cars being serviced.
Thirty forty minutes later it said it was done, and
in the notes it said that my window problem was
fixed remotely. I was like, wow, is that possible? So

(01:53:15):
in the notes they said the same thing. That was
because they have a window tendant. So I called them
up and spoke with the lady. She got in touch
of the supervisor and he's saying he's stop with a
text and you know that that is what it is.
I said, well, you know, can you look at this?
You know, they never even opened my door panel up
to look at the inside to see if maybe the
tolerant on mine was a little too tighter. Was there
something in there from the factory that was caused this happened?

Speaker 3 (01:53:38):
But Steven, that's probably because they know what the problem is.
They sound like any other company, like wouldn't you call
up because you have an issue with your cell phone
or your whatever, your DVD player And they go, oh,
we never heard that before, But yet they get that
same call every ten minutes. There's no way Tesla doesn't
know about this.

Speaker 17 (01:53:57):
So where it hits from me different is because they
finally looked at it, and then they saw that there
was damage inside. And I said that something got lodged
in my window and it was Causinus. And I tried
to tell him, well, if that's the case, why is
it happened to other side and the same spots? You know,
how what it odd that something happened in both windows
glodges in the same spots.

Speaker 3 (01:54:17):
See, I got to look at this, Stephen. It's kind
of funny because I'm really trying to put myself in
this situation. I would bitch and I would want something done,
But really, here's the problem. I don't care if it's
Tesla or any other vehicle. If the problem truly is
what Brian just read, which is that strip, that piece

(01:54:38):
of rubber that your window goes through to keep air
out and to keep things from falling down. There is
extremely tight on a Tesla in that part, I do understand.
I mean, these things are more aerodynamic than anything out there.
So if you get it tinted and the problem is that,
I do not fault Tesla in that I I don't

(01:55:01):
know how I would send again.

Speaker 6 (01:55:02):
If it's this, you know, well known of a problem,
I would think that the tent shop would know this.
That's everything I'm reading is saying that that anybody that
works on Tesla's they show us about this and they
fix the problem. Yea, as they do it.

Speaker 3 (01:55:17):
Here's a caveat to what I just said, Stephen. In
Brian's case, before he picked his Tesla up in the app,
when he got his took delivery of his new one,
he ordered Winno Tending through the app, and he drove
it over to where a tent world just the name
of this place. So if he had that problem because
he purchased it with the vehicle through Tesla, or even

(01:55:40):
if he purchased it afterwards through the app, I would
hold Tesla responsible at that point. But in the case
that you have, I don't know. I don't think Tesla's
going to do anything. That's going to be the bottom line.

Speaker 17 (01:55:54):
Well, we'll see. There's two things to it. They didn't
often a service and I about my car. That's something
that they just started to doing and reaching that's fine.
So that's all that all happened. After the cybertuser came
out and the rafting service and stuff. That's that's then
sob on a different thing with that. But see what
almost that telling you guys, it's the main thing for
me was was the fact that they never looked into it,

(01:56:15):
into it and then they actually saw that there was problems.
But then after that, they didn't leave my car like
that for me to come look at it. The supervisor
kept messing with it because they initially said there wasn't
anything wrong with the window mess with it to then
now they have a big gash in my window tent
because he rolled it down without something there and they
cut into the window tent.

Speaker 3 (01:56:32):
So there are you saying, wait, Steven, while it was
in service, they caused more damage.

Speaker 17 (01:56:41):
Correct, That's what I was calling you guys up about
was I'm sorry it was a whole long story. But
it got to the point where he now damaged a
window and was offering me what a reimbursement like to go ahead?

Speaker 3 (01:56:52):
Yeah, well, no, go ahead. You were getting there. What
is a reimbursement? What was he offer?

Speaker 17 (01:56:57):
He was offering to reimburse the cost to retend the window.
And I to them, it's not just simply retending I
have to remove it. And he said, well get that
with that. But I'm like, Tenking's not simply pilling off
what you put there. It's not you know.

Speaker 3 (01:57:09):
Wait, wait and if Steven, if they will retent what
they messed up. I don't care how they do it.
I mean, however they do it, long as it's properly done.

Speaker 17 (01:57:18):
No, no, Tesla's not read Tesla's offering it. He was
offering for me to give me the invoice for what
I paid prior to reimburse me that, not to pay
for it to be redone. It's more they wouldn't do it.

Speaker 3 (01:57:32):
So wait, wait, Steven, you're you're getting even more confused.
How much did it cost? You said? Seven hundred? How much?

Speaker 17 (01:57:40):
Uh? Well, I did all my windows, that was the problem.
I did my every window except for my roof so U,
but I think for the two fronts it might would
be probably a couple of hundred dollars for the two
front windows.

Speaker 13 (01:57:49):
Probably.

Speaker 9 (01:57:49):
No.

Speaker 3 (01:57:50):
Wait, if you told me they were willing if you
brought the invoice in to pay for.

Speaker 17 (01:57:54):
That, well, if I could give the invoice for what
I paid, he reimburse me when I paid for the window.

Speaker 3 (01:58:03):
That's what I'm saying. So how much is that.

Speaker 17 (01:58:07):
I haven't got a chance to get that?

Speaker 13 (01:58:10):
Yeah?

Speaker 3 (01:58:10):
Well okay, but what is the problem with taking that
invoice to them and then they get you a check
for that? Then you go back to tint my ride
and have them redo that window.

Speaker 17 (01:58:23):
My issue with it is is because they blamed me
get in my window tint and the problems from it
on that. Now, when you remove tent, that's actually a
more That's that's a process. You know, you're not just
like I said, it's not peeling it off. I could
actually have problems to my door.

Speaker 3 (01:58:38):
Then I've got an idea. Listen, listen, I've got an
idea for you, and we'll help you with this. It's
pretty hard to help with Tesla, but it's not impossible.
So why don't you go back to tint my ride,
get a estimate of how much to redo that window,
and then bring that to Tesla for the reimbursement. Then

(01:58:59):
they'll read do that one. In the meantime, you should
have them do what that fixes. At Brian's talking about
what is it? It ends called moleskin and why they
don't know about that, I don't know, but they need
to do that Moleskin liner that goes around that seal.
Okay makes sense.

Speaker 17 (01:59:21):
Yeah, it does, I guess. I just I didn't appreciate how.

Speaker 3 (01:59:25):
They Yeah, but we'll pass that. Listen, man, we're past that.
I'm literally dealing with the Tesla problem right now. I
had to get down and nasty to get it handled. Okay,
things do happen in life. But that's kind of the
bottom line, And I know they're hard to deal with.
They're like these companies that don't have phone numbers, like
Frontier didn't for a while. You deal with someone through

(01:59:47):
an app, it's a lot different.

Speaker 11 (01:59:49):
Hold on go with a sure thing Denver's Best Roofer,
Excel Roofing dot com.

Speaker 8 (01:59:54):
You don't pass Cent until you're content.

Speaker 11 (02:00:00):
For an insurance checkup, free no obligation comparison call Compass
insurance paying too much your coverage at dozens of insurance companies.
Find out now three oh three, seven to seven to
one help. You'll think you're his only customer when you
choose Frank durand the real estate man dot com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two.

Speaker 3 (02:00:20):
All right, three oh three seven one three eight two
five five. Hey, listen, everybody, three oh three Martino, as
you know that number works on and off the air. Brian,
we were talking about to Tesla in the window tinning.
What did you find out? It's got to be a
ceramic base in order not to scratch. And I assume
that's a lot what harder?

Speaker 6 (02:00:39):
Yeah, that's what everything is reading. It doesn't mean it
won't scratch, it's just more resilient. So will so you
get a cheaper type of tent and the chances of
it scratching are much higher.

Speaker 3 (02:00:51):
I think they did a great job, Tesla, offering to
pay for it, or at least offering to reimburse. However
you want to look at and I would guess if
they were going to go ahead and redo it, and
it costs more to pull the old stuff off, and
I'm sure it does. I bet they'd pay for that. Yeah,
I would tatally reasonable, just out of curiosity. There's no
way you see insurance paying for this under any circumstance.

Speaker 6 (02:01:14):
No, because it's I don't see where the covered peril
would come into play, no accidental or sudden in the
sense of one of the perils listed on the policy.

Speaker 3 (02:01:22):
Well, it's interesting though, from a shop owner of way back,
if one of my technicians caused it, which this guy's
basically saying, I mean, you wouldn't turn that over to insurance,
but that probably would be covered under groadge keeper grudge keeper.
I thought you meant from his insurance covered. I did,
I but then I started thinking about Tesla's responsibility. But

(02:01:45):
if it was just a known thing going on, I
don't think either of them are responsible.

Speaker 6 (02:01:48):
Yeah, because you're doing it after market anyways, I mean
it's yeah, what do you think of your new s
I it's brand news still, but yet how many miles
are on it?

Speaker 3 (02:01:58):
I don't even know. But I bet once you paid
about a week and a half ago. Nice, Yeah, you
know they delivered one driver lists not long ago. I
think the first one was like in the last three weeks,
the car drove to the owner's house. Hello, I'm here.
That's crazy, isn't that cool? Yeah, imagine not having to
deal with it. Here's the one really cool thing about

(02:02:21):
buying a Tessa anything they try to sell you through
the app. I mean really, they don't care about up selling.
There is no closing room. You know, the closing room
where the guy pulls up on the golf cart and
he's smoking the cigarette and he's trying to sell you
all the scotch and bright glow and all the mop
and glow in the tire, insurance in the windshield, t

(02:02:42):
and all that. Yeah, it doesn't happen.

Speaker 6 (02:02:44):
No, the purchase time it took me to like go
get it, it was about a fifteen minute process.

Speaker 3 (02:02:51):
Yeah. And it's so easy too, because it's like, Okay,
here's the five colors, here's the five seat configurations. Well
not in yours, but I mean it's really you pick
out the interior, exterior color, wheels, wheel size. That's it.
Plat or non platt. That's it. There's nothing else to
pick out.

Speaker 13 (02:03:09):
Yeah.

Speaker 3 (02:03:09):
How long did it take you to get delivery?

Speaker 1 (02:03:13):
Uh?

Speaker 3 (02:03:13):
Three weeks? Yeah, okay, that's about what the X took us. Yeah,
I love it, and you like self driving. You're embracing it.
I am, did you drive here fully self driving? I did.
I told you though that the problem was that. Okay, listen,
if it runs over one person, I still say that's okay.

Speaker 6 (02:03:30):
I hit some road construction and there was a guy
out there that was holding a stop sign. It wasn't
like in the path of the car, but it didn't stop.
I had to, but it saw the guy.

Speaker 3 (02:03:42):
It's all. The guy recognized the stop sign. I guess
it didn't stop for the stop show the stop sign.
I didn't pay attention. It should show the stop sign. Yeah,
I don't know. But it didn't stop. It didn't stop. No,
Now did you At what point did you get nervous
when you say it didn't stop.

Speaker 6 (02:03:57):
I was going pretty full speed going into it. I
was probably ten feet away whenever I took over, and
I just put my brakes on.

Speaker 3 (02:04:04):
Ten feet Yeah you have to Yeah, yeah, Jny lucky.

Speaker 6 (02:04:10):
It wasn't like I was super fast, so it wasn't.
But I knew it wasn't going to stop.

Speaker 3 (02:04:16):
Hey, Polly, what's going on with you?

Speaker 14 (02:04:20):
Okay? So I have a twenty twelve pre sc which
is a Toyota yep. And I took it in for
just an oil change and they found a few problems,
and one of them which I'm calling about, I'll read
you what they said. They said, engine oil leak is

(02:04:42):
coming from the timing cover. Okay, tech notes that the
leak is moderate on a scale of one to ten,
that's roughly a five, and that the engine is covered
in dirt and oil, and they would recommend a timing cover.

Speaker 3 (02:05:00):
Reseal how much and.

Speaker 14 (02:05:03):
That So there's the quote is about twenty five hundred, okay,
two five hundred, and I don't know if that covers
you know, labor and material.

Speaker 3 (02:05:17):
Well, I would hope, I would hope for a timing
cover it does. But hold on, let's get Kevin talking on.
I want to see if that is in the ballpark
at least, because it would be an entire kit, I
would assume. Well, actually, I don't know if that's Did
she say a chain She didn't say, did she No,
she said Tommy, Tommy recover. But it sounds like there's
more stuff on the to do list. Well, there might be,

(02:05:39):
but as far as just that fix, well, Kevin's going
to know, but I don't know. If that's a chain,
I don't understand why it would be twenty five hundred bucks.
If it's a belt and she's going to have the
belt and the pulleys and the timing kit is what
it's called installed, then I understand twenty five hundred Hold on,
Hold on, Polly.

Speaker 11 (02:06:00):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com.

Speaker 8 (02:06:04):
You don't pay a cent until you're content.

Speaker 11 (02:06:10):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two.

Speaker 3 (02:06:32):
Rip Prince of Darkness, Hey, Brian Burns, Compass Insurance. We
usually don't get good news and insurance and rates, but
you were telling me something over the break. You got
not just one person. You guys save money all the time.
So for people that don't know what Compass does, they
shop twenty to thirty different companies for you, and they

(02:06:52):
do it every year, so they're gonna find the best
deal for you and probably even more importantly, make sure
you have the right coverage. They're going to explain all
the the people in the Boulder fire were like ninety
eight percent of them were underinsured, which is remarkable and
there's a lot of reasons for that. But you definitely
don't want your house to burn down and not have

(02:07:14):
enough money to even pay the mortgage off, let alone
rebuild your house, so you want to make sure you
have the right insurance and then of course the best price.
So you basically go to quote Compass dot com and
we'll give this phone number out. But all you got
to do is send the deck pages to whoever you
have now and they're gonna shop it and make sure
you get the best. But this commercial policy you're helping

(02:07:34):
people with is crazy because you're not saving one person
money on an HOA policy, you're saving numerous people. Was
it an h what is it? An HO six?

Speaker 15 (02:07:45):
No?

Speaker 6 (02:07:45):
No, HO six is the individual unit so that's drywalls
in yeah, exactly, So each owner has to have that
further units. But where we're seeing a lot of people
needing help is on an HOA policy like a group
of so for the Rondos homes, yeah, where they have
multiple buildings, that market has dried up.

Speaker 3 (02:08:07):
We get calls all the time going they want to
give us a special assessment of a zillion dollars.

Speaker 6 (02:08:12):
Yeah, and it's because they really don't have a choice.
Most insurance policies have now gone to a minimum five
percent when tail deductible. So if you have you know,
multiple one hundred million dollar limit.

Speaker 3 (02:08:24):
And that's nothing, then you've.

Speaker 6 (02:08:25):
Got a five percent deduct We've got a five million dollars.
It just it gets out of control.

Speaker 3 (02:08:29):
You take something like Landmark over here. Yeah, I mean
ridiculous amount. Ridiculous amount.

Speaker 1 (02:08:35):
Yeah.

Speaker 6 (02:08:35):
But especially older ones are it's hard to find insurance form,
so a lot of them are getting non renewed or
they're going to such high premiums. This particular one we
helped with last week week and a half ago was
one that had a policy in place. Their predicted renewal
was going to be about a million dollars in premium

(02:08:57):
compared to what they were paying the year before.

Speaker 3 (02:08:59):
They paid eight hundred and fifty thousand. Oh my god,
that's great.

Speaker 6 (02:09:02):
It was going up to a million dollars, and so
we worked with an insurance carrier to form a program.
And it's it's strategic coverage, so you have to there's
some give and take on it, and so you don't
ensure it for the entire value of every building with
you know, you have statistical evidence to show the likelihood

(02:09:23):
of everything being destroyed.

Speaker 3 (02:09:25):
Compared like if it's a multi complex and there's ten buildings,
the chances of all ten or next to nothing exactly.
And that's what you do. You use We use this.
How much did you save them? We got it down
to six hundred thousand, so I got you saved them
four hundred thousand. Right, If you're in a condo or
an association town homes and you're looking at getting insured,

(02:09:45):
hoa people out there, give Compass a call. Three oh
three nine nine six nine thousand. These are great people.
Three oh three nine nine six nine thousand. Quote Compass
dot com. My name's Mark Major. Will be here tomorrow
on the Troubleshooter Network