The Troubleshooter 9-03-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped, you need advice so you don't have.

Speaker 2 (00:12):
Come running.

Speaker 3 (00:13):
Just as fast as we can. Shooter's gonna help coming.

Speaker 4 (00:18):
Man Dix.

Speaker 5 (00:20):
Is the Troubleshooter Show now, Tom Martino, Hello, Tom.

Speaker 1 (00:26):
Martino here, Welcome to the show. If you are streaming
the show, you'll see I have people in the home
MA Casa studio, and then met Major Mark Majors in
his Mi Casa studio, and then we have Do we
have anyone at the mothership right now in the studio, Yes,
we do, Deputy Bo, Deputy Bow. Welcome to the show

(00:49):
that we see that rhymes okay. By the way, Brian
Burns is with us from Compass Insurance Group, and Brian,
one of the most common questions I'm getting right now
what I do. I'm in a condo. I can't believe
what's going on with condos and townhomes. As a result
of that, the price has gone down. Brian, you've heard

(01:11):
of that. The prices are going down. They're harder to
sell there, They're harder to sell.

Speaker 6 (01:16):
Absolutely, Yep, it's a much You're right, you can get
a very good deal on a condo as far as
price is concerned. The problem is the HOA costs are
up so much that your your total cost is still
quite a bit.

Speaker 1 (01:31):
Now some of them have unbelievable deductibles and they have
to shore up their HOA fees. So the fees have
gone up. People won't say, well, the HOA is charging
too much, but I see it's it's not like the
HA is getting rich off of this. I mean, I
mean they need to put money in the conference for
deductibles because some insurance companies they're making in them ungodly

(01:56):
deductibles for condos.

Speaker 6 (01:58):
Yep, we were I think I mentioned this last time
of Mark, but we just wrote insurance for an HOA,
uh maybe a month and a half ago. And their
old premium we weren't the agent on it. Their old
premium was coming in over a million dollars and how
many units was do you man, there's there's a lot

(02:19):
of units, a million dollars, million dollars And we found
a strategy that came in at seven hundred thousand. But
it's still had a million dollar deductible, and so you know,
we're there. I try remember Marci, it was. It's a
big complex. I can look it up and find out,
but it's uh it's a big complex, but no matter what,

(02:43):
their deductible is going to be extremely high. So we
went in and explained how you need to make sure
you have loss assessment coverage on your condo insurance. And
that's getting harder to find too, because insurance companies are
putting clauses.

Speaker 1 (02:56):
And explain how loss assessment coverage works.

Speaker 6 (02:59):
So the HOA with these large deductibles, if there is
a hailstorm and they have to replace their roofs, the
deductible is so large that they have to pass that
expense on to each unit owner in the form of
an assessment, a special assessment, and I had one recently
where one of our insurance got a bill for twenty

(03:21):
seven thousand dollars for their portion of that loss. So
the assessment was twenty seven thousand dollars. So the HO
six or condo policy that you have for your interior unit,
you can buy loss assessment coverage that will protect you
or coverage.

Speaker 1 (03:40):
For these losses insurance losses that would otherwise be covered.

Speaker 4 (03:45):
It's not for a brand new pool, or re surfacing
the parking lots.

Speaker 6 (03:50):
Or painting even unless little.

Speaker 1 (03:53):
Assessments are big and there's no insurance for a capitalists.

Speaker 6 (03:57):
Nothing you can do for that, but a lot of
people it's because of the roof and the hailstorm that
that you know, damaged it. So your loss assessment has
always been there and you can buy you know, what
comes standard is one thousand dollars, so you have to
make sure you're buying the coverage. But now there's even
a more, a bigger complication, and that is in the

(04:19):
language of the loss assessment. A lot of companies have
put a clause in there that said, even if you
bought twenty five thousand dollars of loss assessment coverage, there's
a clause that says, if it's a result of an
HOA deductible, the limit is one thousand dollars.

Speaker 1 (04:35):
Okay, So you're not allowed to buy loss assessment coverage
to cover the deductible.

Speaker 6 (04:40):
Well, it's not that you can't. You just have to
make sure your your company's not one of them that
limits it. There's still companies out there that will cover.

Speaker 1 (04:47):
That, but it's normally what is okay, So if they
don't cover the deductible, what do they cover.

Speaker 6 (04:53):
If it was just a flat out loss that wasn't
you know, like the HOA didn't have insurance for it.
Let's say, okay, and you had cover. But to your point, Tom,
ninety percent of all losses are going to be HOA
deductibles because that's the most common loss.

Speaker 1 (05:07):
So if you get lost damage assessment coverage, it must
be you must make sure it includes deductibles.

Speaker 6 (05:16):
And you have to actually read the language.

Speaker 1 (05:18):
Sends out a notice saying we had an insurance loss.
We don't have enough to cover the deductible. Each homeowner
has to chip in. Each homeowner or condo owner has
to ship in five grand. Then that would cover you.
If it does cover you, I mean, that's what you
have to make sure.

Speaker 6 (05:34):
That's what you have to make sure.

Speaker 1 (05:35):
I would say most of the time, that's why they're
going to assess.

Speaker 6 (05:37):
You agreed, I d ninety percent of the time, I
would say, is what that is?

Speaker 1 (05:41):
I hear? I hear that there are some condo associations
that have to self ensure.

Speaker 6 (05:49):
Yeah, or they have the roof or they yeah, they
made each unit owner did there instead of an HO
six or a condo policy that covers the interior, they
have now disbanded the insurance on the HOA And then
a letter's gone out and said you have to get
HO three or homeowner's insurance. That's only possible if you

(06:09):
have a town home. You can't do it on a
condo un you're on the.

Speaker 1 (06:13):
Third floor and your side floors. Right, Okay, anyway, let's
talk to Chris. Chris wants to talk about Frontier Airlines. Mark,
do you still have the All you Can Eat memory?

Speaker 7 (06:28):
Yeah, we're not going to repurchase it this year though.

Speaker 4 (06:33):
There are a lot of blackout dates, aren't there.

Speaker 8 (06:36):
Yeah, it's not just that.

Speaker 7 (06:37):
Even when there's not blackout dates, they've really limited it,
and they sold it so cheap.

Speaker 8 (06:43):
The seats sell out.

Speaker 7 (06:44):
They only allocate X amount of seats for that, so
it's pretty hard to actually use it.

Speaker 9 (06:51):
Now.

Speaker 7 (06:51):
I found another way around Frontier stuff that's working out
very well for us.

Speaker 1 (06:57):
So what's that.

Speaker 7 (06:59):
Well, we's got a I forget if it's called Platinum
or Diamond or what other level, but I spend enough
on one of our credit cards to get that and
that's good for a year.

Speaker 8 (07:10):
So any ticket I buy, I get a free.

Speaker 7 (07:13):
Companion pass and that includes upfront seating, it includes all
the luggage, it includes everything.

Speaker 1 (07:21):
Chris, what's your issue with Frontier?

Speaker 6 (07:26):
Hello?

Speaker 10 (07:26):
Morning, Hi Chris.

Speaker 11 (07:28):
My issue.

Speaker 12 (07:29):
Hi, My issue is that I flew on Frontier Airlines
from Denver to Washington, d C. On June twenty seventh
this year, and I went to DC for a work
conference and I checked a bat. They lost the bat
for two hours. It got return to my hotel seventy

(07:50):
hours after I arrived, so I had to go buy
clothes and other things because my work conference started.

Speaker 1 (07:59):
Their next So they lost the bag for seventy two hours.

Speaker 10 (08:03):
Yep, okay, two hours.

Speaker 1 (08:06):
Are they recognizing it as a loss or are they
saying because they found it that you're not covered.

Speaker 10 (08:14):
That's right.

Speaker 13 (08:14):
They're calling it a bag. They're calling it a what delayed?

Speaker 12 (08:20):
Okay, instead of lost because of course.

Speaker 4 (08:23):
It's so they're not going to give you anything.

Speaker 1 (08:27):
No.

Speaker 12 (08:28):
I filed the claim through all the paperwork documented, you.

Speaker 4 (08:32):
Know, so they denied.

Speaker 14 (08:34):
They denied the claim, correct, because I had to go
buy saying and I couldn't return them because I used
them clothing items, toiletries, makeup.

Speaker 12 (08:43):
And dress and they.

Speaker 13 (08:46):
Are my claim.

Speaker 12 (08:47):
I had all the seats I submitted for their process,
and you know, I've looked on the Department of Transportation
website and it's federal law that there to compensate me
for delayed bags, you know, for reasonable verifiable expenses.

Speaker 10 (09:05):
Which I had.

Speaker 12 (09:06):
I wasn't buying a chanel.

Speaker 8 (09:09):
So wait a minute, well, well, wait a minute. You
left out a word on that it's essential.

Speaker 12 (09:15):
Yeah, they were essential items.

Speaker 1 (09:17):
Okay, three Like what was essential?

Speaker 12 (09:22):
Some additional clothing you know, not to get too graphic,
but a broad underwear.

Speaker 7 (09:27):
Yeah, of course clothing, you know, I mean basically toilet
trees and clothing.

Speaker 1 (09:31):
So okay, Mark, did you look up Mark? Did you
look up the federal law?

Speaker 7 (09:35):
No, I just happened to know it at least tempy deputy.

Speaker 1 (09:39):
Uh, Dimitri, did you find it? Yeah?

Speaker 9 (09:42):
I looked at both the dot on webit side and uh, well,
more recently, more more useful is the AI overview, which
is for baggage missing three days, you can you can
be rebursed for reasonable essential expenses like toy trees and clothing,
and the airline must rEFInd your bag.

Speaker 4 (09:58):
Okay, I know what Mark's going to say. I know
what he would do.

Speaker 9 (10:02):
Oh, I know exactly what he's going to do, and
he does it.

Speaker 7 (10:04):
Well, tell me what you would do, Mark, Well, if
they're not going to pay it i'd take him the
small claims court. I've happened to take Frontier two or
three times. At this point they settle very quickly, you know.
And I'll tell you the nice thing about Frontier. Generally,
once you serve them, you hear from them the next
day the legal department. And it's pretty to serve the mark,

(10:25):
that's what you have to do. But in my cases,
mine were dead to write. They had no Yeah, they
were trying to tell you. I had to put a
suitcase in vertical one time into their little uh bag
measurer in her case. So I mean pretty much it's
not a lost bag. There's no argument there. And if
they're how much are you asking for essentials? What kind

(10:47):
of dollar amount?

Speaker 10 (10:50):
It is?

Speaker 12 (10:51):
Right around one thousand dollars.

Speaker 4 (10:52):
See, I that's not unreasonable.

Speaker 8 (10:54):
I don't know if it is or not.

Speaker 7 (10:56):
I've never tested those waters. I mean, if I go
to Walmarts. You said underwear and abroad. Now, granted I've
never bought a bra, but my underwear at Costco is
five pairs for ten bucks.

Speaker 12 (11:08):
All right, And I wasn't going to buy you know,
I wasn't going to go to far because that's not
where I normally shop. I went to store that were
very equivalent the same as stores I would normally shot that.
You know, I'm talking, I'd get pajamas, I got some work.

Speaker 1 (11:25):
I agree with you.

Speaker 7 (11:26):
I don't think it was unreasonable at all. I think
a thousand bucks are going to write you a check.
I mean I really do, because it's not worth their
time going to court over right, And it's really only
fifty five bucks. There's nothing to it. And like I said,
they are very quick. Here's how it goes down. You're
going to serve them. You're going to hear from their
legal department. They're going to ask you what's going on

(11:48):
send them or the receipts. You're going to end up
doing everything you've already done again, but you're going to
get a response very quickly. And then generally they're going
to send you a shut up and we'll pay you
notice notice.

Speaker 10 (12:00):
Right, Okay?

Speaker 12 (12:02):
And do you happen to know how exactly I serve them?

Speaker 4 (12:06):
Mark? Tell her the process you went through?

Speaker 7 (12:10):
Well, I think I went through Denver County. I'm trying
to remember. I think it was Denver County both times.
So I sued them there and then you serve them
down in Littleton. It's off of Littleton Boulevard and it's
a service center, so it's real easy. And just have
your boyfriend, girlfriend, husband, whomever you know who has nothing

(12:31):
to do with the lawsuits serve them so that doesn't
cost you any money and you basically drop the lawsuit
off there. Then you'll hear from them. But you can
go online and grab you know what, we'll send them
to you. I've been saying I'll put them up on
referral lists forever and I just haven't done it. With
the instructions, it's quite simple. The hardest part is going
down to Denver and basically filing it and not getting

(12:54):
stabbed while you're down there.

Speaker 8 (12:55):
That would be the hardest part.

Speaker 10 (12:59):
Got it?

Speaker 1 (13:00):
So, Mark, do you have to file these in person
even if you fill them out online? Right?

Speaker 7 (13:04):
Yeah, there's no way not to file them in person.
With small claims, you can't file them through lexus and
axes or even if you add an accounts.

Speaker 1 (13:11):
And do you serve the person after you file? Say again,
do you serve the defendant after you file? Yeah?

Speaker 7 (13:18):
So you go down there, you file, and I don't
care if it's Douglas County Denver Rapo, it doesn't matter.

Speaker 8 (13:25):
All The court clerks are really great.

Speaker 7 (13:26):
They'll hand you back three copies of what you filed,
because when you file it, you do it in triple
kid and they'll actually tell you, Okay, this one's for
the court when you show up, this one's yours, this
one's for the defendant. The one for the defendant will
have an answer on there, and of course the counters
suit if they're going to go that way, but they
have nothing to.

Speaker 8 (13:44):
Sue her over.

Speaker 7 (13:45):
So basically you take that one, you go down to
Little tin Bulevard if it's still there, and you basically
put it in a basket and whoever drops it off signs,
and then what you have to do if it's Denver,
it's kind of one more step, which is a pain
in the ass. You got to actually bring back the
proof of service before the court date or a week
before the court date, to prove that you actually serve

(14:07):
the defendant.

Speaker 8 (14:08):
The good part about.

Speaker 7 (14:09):
Denver is though they do not demand mediation like Douglas County,
although mediation generally is where most things are finished. I mean, really,
I've I've only ended up in front of a magistrate
maybe two times out of thirty times, generally the mution
solves it.

Speaker 1 (14:26):
What were you going to say, Dimitri Mark?

Speaker 9 (14:28):
So Denver has significantly changed their policy since you use
their small Claims court. I have four cases in small
claims court this year and they automatically require mediation.

Speaker 8 (14:39):
Ah, that sucks.

Speaker 7 (14:40):
That used to be the only good part about Denver
because honestly, going down there's a pain in the ass.

Speaker 9 (14:45):
Map it's so it's it's super cheap and it's super easy.
It's all done on the mediation has done via zoom.
The fees seventy five dollars for each party.

Speaker 1 (14:55):
But oh and by the way, into the fifty to
file the claim.

Speaker 9 (14:58):
Yeah, the mediation fea seventy five. That's book party.

Speaker 10 (15:01):
Now.

Speaker 9 (15:01):
The other thing that they've changed.

Speaker 4 (15:02):
They usually settled before then.

Speaker 9 (15:04):
Oh yeah, it sounds like Marks. In Mark's case they
settled within days, so that will be wrong. Before you
even they're required to go to rush.

Speaker 7 (15:12):
But you once again, I want to listen to understand something.
If you've ever been on any airline where you know
you have to put a bag into a box or
else you have to pay for a carry on, I
want to explain.

Speaker 1 (15:24):
That, Mark, But hold on. I want to do that
after this because Diana is also waiting for to talk
about a swamp.

Speaker 4 (15:30):
Cooler and she's working with BO.

Speaker 1 (15:33):
But right now I have to take this break and
mark you mentioned instructions. If you have instructions and you
want to send them to me, I will post them
and get them edited. If you want aware on all
of the different.

Speaker 4 (15:49):
Social media I do it as a as a link.

Speaker 7 (15:52):
So it's a PDF. You can actually okay, fill out
and hit print. It's not like I mean, if you
can post a PDF one people will go there and
print it.

Speaker 1 (16:01):
Yeah, I'll do that.

Speaker 4 (16:02):
I can.

Speaker 1 (16:03):
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(16:31):
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(16:53):
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(17:13):
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Speaker 4 (17:15):
Twenty four to seven.

Speaker 1 (17:16):
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Fixmihome dot com book now just thirty nine bucks man,
Come on, okay, let's keep going.

Speaker 4 (17:32):
Ready, all right, Diana, what's going on with you?

Speaker 1 (17:36):
Diana?

Speaker 4 (17:36):
And Deputy Bow chime in? Please?

Speaker 1 (17:38):
What's going on? When did Diana last call? I want
to bring up the record.

Speaker 15 (17:42):
Diana called on August eighteenth at ten fifteen am.

Speaker 1 (17:46):
Oh my gosh, man, you're you're pretty cool man. You
want to talk about I'm having it down August eighteenth, Diana, Okay,
I see it.

Speaker 4 (17:56):
She hired fix right pros.

Speaker 1 (18:00):
Jose Gomez to install a swamp cooler in April. It's
running right. Oh, it's not running right. The fast speed
cool is not working. Bo. They said to you that
they would fix it. Right.

Speaker 16 (18:14):
She hasn't had cooling since April.

Speaker 15 (18:17):
So we made a bunch of calls to them, and
then they promised to come out when she called. I
think the very next day. They came out and did
some work and it still wasn't right. So I kept calling.
I never could get a hold of them voice to voice,
but they sent me.

Speaker 16 (18:35):
Not yet. No, oh what they did no dinger.

Speaker 1 (18:40):
But but this is the opposite of my dinger that
Smark stinger in Mark.

Speaker 15 (18:46):
So they actually replaced Now, Diana, this make sure this
is right.

Speaker 16 (18:50):
They actually replaced the cooler. They actually replaced the cooler
with a brand new unit.

Speaker 17 (18:56):
Well, they put a brand new one in April, and
I guess you thought it was the unit that wasn't
working right or whatever, but he put another one in.

Speaker 16 (19:05):
Yeah, he installed a brand new second unit.

Speaker 17 (19:08):
You put another. Yes, uh, he put it in maybe
a couple.

Speaker 11 (19:12):
Of weeks ago, and is it working now?

Speaker 17 (19:16):
This don better either, he said, you put a better
one in.

Speaker 1 (19:19):
I mean, you know there's a there, there's an expression
in the auto industry when things don't work. It ain't
it's a f M. It ain't magic. And what I
want to know is bo they put a second unit in?
I mean, what would I can't even think of a
reason it wouldn't work. It sounds like the thermostat.

Speaker 16 (19:41):
I think they're pretty incompetent.

Speaker 17 (19:43):
I was kind of yes, and it went out this
morning now and my roof is water and sleeping again.

Speaker 4 (19:50):
He worked, Oh no, listen, you got a new unit.

Speaker 1 (19:54):
It might you know what. This is a case where
if you got a new unit. Listen, Diana, if you
got a new unit and they put a new unit in,
maybe it would be worth finding someone independent to just
go fix.

Speaker 16 (20:08):
So Tom, this is what we're going to do.

Speaker 4 (20:10):
Okay, So what are you gonna do?

Speaker 15 (20:12):
So the swamp collar is actually working, It is functioning.
There's a leak, right right? So what I did?

Speaker 10 (20:18):
Right?

Speaker 4 (20:19):
So Diana, Diana, hold on, go ahead?

Speaker 16 (20:22):
So he called Jerriet J.

Speaker 15 (20:24):
J Hvac he was a guy that helped us last
year repair the replace the motor for Eileen who didn't
have heat for six months.

Speaker 16 (20:33):
He's I called him. He's going to go over there.

Speaker 15 (20:36):
This afternoon and if it's not too much of a cost,
I'm going to take care of the repair because obviously
it's just some sort of a leak going on with
the water line.

Speaker 16 (20:47):
So you're right, Tom, we're having another company, is.

Speaker 1 (20:50):
That nice independent tech going over there?

Speaker 17 (20:53):
Is something not right with the control panel.

Speaker 1 (20:56):
Diana, We're gonna We're gonna, Diana, We're gonna have someone
look at it. Bo who's the independent tech.

Speaker 15 (21:03):
Jerry who owns he's a small shop, J and J
h Vac. His name's Jerry. He's a very nice guy.
He's the one that helped us install the motor.

Speaker 1 (21:12):
Fry Leen Like, okay, Diana, We're going to have an
expert look at it. Don't worry.

Speaker 4 (21:16):
Bo is on it. And Bo's a great guy.

Speaker 1 (21:18):
So I'm going to go back to the Dinger just
for attitude and then.

Speaker 4 (21:22):
Uh that's yeah, because you deserve it.

Speaker 1 (21:26):
Bo.

Speaker 4 (21:26):
I mean you you work really hard. You work way
harder than Deputy d I'm just kidding, true, No, no, no.

Speaker 1 (21:34):
If I had to rank the deputies, I would say no.

Speaker 4 (21:39):
No, I'm going to range him right now for good looks.

Speaker 1 (21:43):
Okay, I say, deputy Doc's probably at the top.

Speaker 6 (21:48):
That's funny on the on the ug scale.

Speaker 4 (21:51):
Oh sure, I don't know. We're not gonna I'm going
to get in trouble here.

Speaker 1 (21:56):
Okay, hold on, let's go to let's go to Scott. Scott,
Wait a minute, is this possible that we have two Katschina?
We had two random calls, both about camping World?

Speaker 4 (22:09):
Who or is that a misprint on there? Scott?

Speaker 8 (22:14):
Nope, nope, both of us.

Speaker 4 (22:16):
Scott, what's happening with you?

Speaker 18 (22:17):
You know?

Speaker 4 (22:18):
Camping World is dreadful?

Speaker 1 (22:19):
It is absolutely dreadful, Scott, Speak to me, brother, what's going.

Speaker 18 (22:25):
On in my life? Recently purchased a destination camper there
forty three foot. The loan turned out to be ninety
one whoa.

Speaker 1 (22:36):
Oh, whoa wait wait wait wait wait?

Speaker 4 (22:38):
How much did you pay for it?

Speaker 18 (22:40):
We paid right around eighty thousand, and in the oh
that they created the loan went to ninety thousand.

Speaker 4 (22:51):
Tom, Wait a minute, so.

Speaker 1 (22:53):
Wait a minute.

Speaker 4 (22:53):
You bought it for eighty and you got a loan
for ninety.

Speaker 1 (22:56):
Right, I'm gonna guess you're good arithmetic. I mean, if
you bought it for eighty, how does the loan get
to ninety? They threw some extras on there, right.

Speaker 18 (23:07):
Yes, sir, they actually didn't.

Speaker 1 (23:10):
You know.

Speaker 18 (23:10):
We felt lucky. We was getting it tied kind of
a thing. And the guy he had the paperwork turned
over so we could sign here an initial there.

Speaker 1 (23:20):
It was, oh man, this is crazy, No, this is crazy.
You have a ninety thousand dollars the retail purchase of
the forty three foot Destination camper.

Speaker 4 (23:31):
The price was.

Speaker 1 (23:33):
Eighty, and you have a loan for ninety.

Speaker 4 (23:35):
Did you put money down?

Speaker 18 (23:38):
I bot two thousand dollars down and you know it
just okay?

Speaker 4 (23:43):
So what okay? What do you need from us?

Speaker 1 (23:46):
Man?

Speaker 4 (23:46):
I want to help you. What do you need from us?

Speaker 18 (23:49):
When we got it, we had him deliver it up here.

Speaker 1 (23:52):
That was six hundred.

Speaker 18 (23:53):
Dollars to Cryple create because where I live, and then
brought it up to us. And the delivery guy brought
it and he opened up the door and everything for us,
and we come in, looked it over. Everything's fine. He left,
and then when I went to close the door, the
very first time. It's a sliding glass door and it's
like a three panel, real nice door. And I went

(24:15):
to close it for the first time and it hit
on the top and it was one inch out on
the bottom at least one inch out.

Speaker 4 (24:21):
And what door?

Speaker 18 (24:22):
Is this the main door to go in? It's the
only door to get in the trailer.

Speaker 1 (24:28):
Is oh, so the entrance door. The entrance door is off.

Speaker 18 (24:35):
Yes, it was off the tracks and the roller was
completely collapsed.

Speaker 11 (24:41):
And the guy said, he said, I hope the.

Speaker 18 (24:44):
Keys are in here because it's not locked.

Speaker 1 (24:47):
All right, Let me ask you this, bro, Let me
ask you what have you done since this?

Speaker 4 (24:51):
What have you When was this delivered to you? When
was it delivered?

Speaker 18 (24:55):
It was delivered on about approximately a week. Ag go
this loe?

Speaker 1 (25:01):
Okay, I gotta take a break. Hang on, I'll come
right back to you. I'm Tom Martino three three seven
one three A two five five 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

(25:21):
check up free, no obligation. In comparison, call Compass insurance
paying too much your coverage at dozens of insurance companies
find out Now three oh three seven to seven to one.

Speaker 8 (25:30):
Help.

Speaker 1 (25:31):
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. I'm Tom Martino, your troubleshooter, and I
love helping people. I this Camping World thing just befuddles me.

(25:58):
It seems to me, if it was delivered last week
and the door's not right, they should just fix it.

Speaker 4 (26:03):
So where's the hang up here, Scott?

Speaker 18 (26:07):
I called them about two hours after it was delivered. Yeah,
they said that it's a factory problem.

Speaker 1 (26:14):
Tom. They said, well, okay, so what You just bought
it and got it a week ago, So what are
they throwing their hands in the air?

Speaker 18 (26:21):
Now, come on, man, they threw their hands in the air.
But you know what I was doing is I was
looking through the paperwork on it and looking for out
all my manuals to read, and I found a piece
of paper called the Dealer's Accepted Dealer Acceptance Form and
it says on there that there was major damage done

(26:43):
to the Wait.

Speaker 1 (26:44):
Wait, wait, they had major damage while they had it
in their custody.

Speaker 18 (26:49):
Yes, they did.

Speaker 8 (26:50):
Did you sign it?

Speaker 19 (26:51):
Whoa?

Speaker 1 (26:51):
Whoa whoa?

Speaker 8 (26:52):
Did you acknowledge that?

Speaker 18 (26:54):
No, sir, I'm not supposed to have this form, they said.
They said that this was none of my business. This
form was left in this trailer accidentally, and it's the
one when they received it from the shipper and it
showed up with major damage on the right hand side
of it. And that's the side the door is on.

Speaker 1 (27:14):
And okay, okay, we need to we need to assign
someone to this.

Speaker 4 (27:19):
This is ridiculous.

Speaker 18 (27:21):
It is you know, Mark, Mark?

Speaker 2 (27:25):
Why?

Speaker 4 (27:26):
Mark?

Speaker 1 (27:26):
Why?

Speaker 4 (27:27):
Why are we?

Speaker 7 (27:28):
I really I really want to see that you said
something and I'm talking to the caller before the break
to concerned me, and now it concerns me even more.
You said when you were signing stuff, they were turning
it over and you were initialing it and not reading
into it. Are you sure you did not acknowledge any
of this?

Speaker 18 (27:49):
I did not acknowledge this. They never walked around it
with me and showed me les. Yeah, they never did.
And what what I will send us?

Speaker 8 (27:59):
So let's look at all of his paperwork?

Speaker 1 (28:01):
All right?

Speaker 7 (28:02):
I have no idea why Camping World seems to be
on the radar more and more.

Speaker 4 (28:07):
Okay, here's what we're gonna do.

Speaker 1 (28:08):
We're gonna initially let Mark look at your paperwork and
then he'll sign it to someone. But Scott, you have
you can get that paperwork to us.

Speaker 4 (28:17):
Is that correct?

Speaker 10 (28:19):
Yeah?

Speaker 18 (28:19):
I think I'm not really good right, but I think
I can take a good picture of it and then
all right good.

Speaker 1 (28:24):
Yeah, but we need everything you signed. And Jackie, what
is your issue with camping World? I have to take
a quick break, but I need to get started. So
what is your issue? Is it with a purchase or
service or what?

Speaker 20 (28:38):
It's a little bit of everything.

Speaker 1 (28:40):
Actually, uh oh, tell me where did it start?

Speaker 20 (28:45):
On the nineteenth of July, we purchased a thirty seven
foot camper.

Speaker 4 (28:54):
Thirty seven foot camper?

Speaker 1 (28:55):
Who makes it?

Speaker 20 (28:58):
It is a sport track. It's a twenty eighteen sport trick.

Speaker 1 (29:02):
Okay, so it was used twenty eighteen sport trick. Okay,
hold on, we'll come right back to you. I'm Tom Martino.
We have more coming right up. 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

(29:25):
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 seven to one.

Speaker 8 (29:35):
Help.

Speaker 1 (29:35):
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. Hi, I'm Tom Martino. You're troubleshooter man.
Jackie's now calling us to us all right, we'll see

(29:57):
you later on Okay, Jackie, you uh you bought July nineteen,
twenty eighteen sports track thirty seven foot camper from Camping World.

Speaker 4 (30:06):
So what's the story, what's going on with it?

Speaker 20 (30:09):
Well, guys, my nightmare started from the second that we've
signed paperwork. Really so prior to this, my son and
I were homeless. We utilize this as our home. This
is what we used every day of our lives.

Speaker 10 (30:25):
This is how we get by.

Speaker 20 (30:28):
Coming into the position that we were in, or we
are in.

Speaker 4 (30:34):
Where were you pulling? What were you pulling this with?

Speaker 20 (30:37):
Well, they had it dropped off to us.

Speaker 1 (30:40):
Okay, so it was a.

Speaker 20 (30:42):
Dodge ram thirty five hundred.

Speaker 1 (30:45):
But but but it was dropped off to where on
the side of the street in a park?

Speaker 8 (30:50):
Where was it in a party part?

Speaker 20 (30:53):
Okay, we're at an arty park. So they somehow managed
to get it to us, but did it on a
blown tire. The gentleman who brought me the unit blew
a tire on the highway Jackie.

Speaker 1 (31:07):
Rather than go over. And I don't mind. I don't
mind it, you know, hearing all of the nightmare. But
what I'd like to know now is what is going
on today? What what's the issue still lingering or issues?

Speaker 10 (31:20):
Well, I have.

Speaker 20 (31:22):
A mass leak somewhere in the underbelly of my unit,
and I've had it. It was something that.

Speaker 1 (31:30):
Like when you say a leak on the underbelly, is
it is the underbelly? Like do you does a puddle
water underneath water? And where do you think the water's
coming from?

Speaker 4 (31:40):
With water?

Speaker 20 (31:42):
Well, they've come out a couple of times and they've
they're trying to find the leak, but it's what we
think is coming from the gray water line or the
gray water tank.

Speaker 1 (31:52):
So okay, so it's not like a roof leak or
a window leak. It's like from inside the guts.

Speaker 20 (31:59):
Yes, this is like a mass leak somewhere in like the.

Speaker 1 (32:04):
Under When you say a mass leak, let me ask
you something when you say a mass leak, like, do
you go outside and see a giant puddle of water?

Speaker 20 (32:15):
Well, no, because it's all filled in the underbelly right
now of my trailer.

Speaker 1 (32:19):
So it's it's soaking. It's soaking the luggage compartment. Tell me,
tell me where it manifests. Where do you see the.

Speaker 12 (32:27):
Water right above the gray water tank?

Speaker 1 (32:31):
Okay, And it's pulling on the on the gray water tank.

Speaker 20 (32:36):
It's beating over the gray water tank, which makes me
personally think we have some water lines up there that
have aw man need to be replaced.

Speaker 1 (32:44):
So do you know, can you tell if it's fresh
water or gray water or blackwater?

Speaker 20 (32:52):
You can tell that it's city water.

Speaker 1 (32:54):
No, what I mean is, so it's not the gray
So it's not gray water leaking it.

Speaker 4 (32:59):
You're saying it's fresh water leaking.

Speaker 20 (33:02):
It's fresh water that's leaking, but it's not coming from
our fresh water tank. It only happens when I turn
the hose on to the city water.

Speaker 1 (33:11):
So when when you when you connect city water to
your camper and turn it on, it starts leaking. Yes,
so it's not grey water. There is. There is obviously
a leak somewhere between your hookup and your fresh water tank.
If you what we're thinking, I understand, Well, why can't

(33:33):
they figure this out?

Speaker 10 (33:34):
If you could, well, I'm really not sure.

Speaker 20 (33:37):
And that's why I'm contacting you guys.

Speaker 1 (33:39):
All right, you hold on, let's figure out. Hold on.
I think I think we're going to have to get
involved in this too. Camping World people, I'm going to
tell you something, never ever, ever ever use Camping World
never ever ever.

Speaker 4 (33:59):
Hold on, We'll come back to you and more.

Speaker 1 (34:01):
Three oh three Martino, Go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Wave time for an insurance check
up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find

(34:23):
out now three oh three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 3 (34:41):
Rip you needed, that's who you don't have. Come run
anxious as as we can show. Shooter's gonna help.

Speaker 6 (34:54):
Come six is the Troubleshooter Show.

Speaker 1 (34:58):
No Tom Martin, I'm Tom Martino. You're a troubleshooter. This
hour brought to you by Frank Duran, the real Estateman
dot com. Call him for a market evaluation of your
home if you want to know what your house will
sell for. Because it's a weird time right now, houses
are sitting a little longer on the market, but he
still beats the market average for moving homes at higher

(35:20):
prices and faster time. So call Frank to get a free,
no obligation evaluation of your home. He can tell you
what your house will sell for in this market. Threeho
three nine two zero sixteen twenty two. Frank durand the
Realestateman dot Com. I'm going to go back to Jack
app By the way, we have okay, let me mention
this today. I have Compass Insurance Group with me and.

Speaker 4 (35:42):
When they're here, and they do this.

Speaker 1 (35:44):
All the time anyway, but they do insurance checkups that
we like to highlight real life stories here on the air.
So if you call them, they will do a insurance
comparison for you. And while I have them here, I'll
just ask them straight up what is involved.

Speaker 4 (36:02):
People say, oh, my.

Speaker 1 (36:03):
God, an insurance. This is going to be a nightmare,
blah blah blah, and really it's not a nightmare. Now,
as a client of THEIRS for probably twenty years, I
get that automatically they shop me automatically. They don't behold
to one company like captive agents. Captive agents are like

(36:25):
Farmers State, farm All State, American Family, Fred Loyal. These
people can only sell one insurance so therefore that's all
you're ever going to get, whereas Compass Insurance Group can
sell twenty or more companies. So they shop you, and
in fact they even shop you beyond what they do.

(36:48):
So if you have a better insurance policy, they'll tell
you we can't help you. So what does it take though,
to get an actual insurance check up?

Speaker 6 (37:01):
So we have a new system that can make it
even easier for people. We use a company called Canopy Connect.
And what we can do is all we'll do is
send someone a link. They click on the link and
they sign into their insurance company. So if they have
State farm. Let's say they would enter their ID and password,

(37:21):
which we don't get that. We don't see any IDEM password.
But what it does it then shares the declaration pages
with us and then they just fill out their operator
information data, birth driver's license numbers. So to answer your question,
we need.

Speaker 4 (37:37):
Connection with what is out there.

Speaker 6 (37:40):
So it gives us that information. Then we shop it.
But instead of someone having to download their declaration right
to try to find it, this gives them the option
to sign into their company and it will automatically get
me out. So we try to make it as easy.
But if people don't have an IDEM password, then they
just have to get us declaration pages and then operator
information and a couple one question we always ask how

(38:02):
old is your roof and what kind of roof material
is it? Is it an asphalle roof? And when it
was replaced.

Speaker 1 (38:06):
Because and it's not just for roofs, it's for car insurance,
regular insurance, right, so they may say to you, you know,
here's what we found. Sometimes they find better coverage at
lower prices. But here's what we're going to do as
a real life example during the show today, we're going
to highlight real life examples that came into the show.
So if you want to call, you don't have to
wait on hold or do anything with the show. You

(38:27):
can call directly to the insurance helpline three oh three
nine nine six nine thousand. Three oh three nine nine
six nine thousand, and on the call tree, do you
have an insurance check upon there?

Speaker 6 (38:37):
Or okay, yep, we do so it's I think it's
option one, and we'll tell you if you want an
insurance check up, press one.

Speaker 1 (38:43):
Okay, So insurance check up. They invented it and we
invented it together. It's a wonderful consumer service because they're
honest about it. And in fact, here's what I say
with comparisons, you have to be honest. It forces you
to be honest because how can they say, oh, no,
you don't have good coverage. We can beat it if
they can't. So obviously you know, you get what you

(39:06):
what you do. If they can beat it, they can.
If not, they'll just tell you three oh three nine
nine six nine thousand, call right now, find out are
you paying too much for insurance? Are you undercovered? They
even give you advice on your coverage. Three oh three
nine nine six nine thousand. Now Jackie back to you. So, Jackie,
this sounds like a nightmare. You have some kind of

(39:26):
fresh water leak when you hook up to the city water.
It's obviously between the tank and the hook up to
the city. Why can't they find it, Jackie, Camping World
can't be that bad.

Speaker 20 (39:40):
I'm starting to wonder.

Speaker 10 (39:42):
Guys. I've had to check out here twice.

Speaker 20 (39:44):
They thought it was the hot water bypass. They closed
the hot water line. I can't even get hot water
at this point. They were supposed to be back yesterday,
didn't come yesterday. They were supposed to be back today.
If witch the appointment now to Monday again. We're starting
to get cold. I live in Sterling, So car in Colorado.

(40:05):
It's kind of strange with wind and weather're out here
and it's all under warranty. We're making payments. I make
monthly payments on this thing every month, and I'm just
kind of at my WIT's end. Amongst the leak, we've
had holes in the feeling that they've had to come repair.
I had no propane for the first two weeks that

(40:26):
we had the unit because the regulator was bad. They
swear up and down. They've done a forty point inspection.
But the unit was not even cleaned when they dropped
it off to us. And I really feel that these
things would have been caught in an infection. I don't
think that these things would have went unnoticed if they
inspected this unit, like they continue to tell us that

(40:47):
they did.

Speaker 1 (40:48):
All right, all right, we need to who has dealt
with Camping World in the past. They never bo did
they never get back to us.

Speaker 15 (40:58):
I even called that the Mark Leminas guy Marcus Marcus
sorry Lemoinis or.

Speaker 1 (41:05):
Whatever the hell it is.

Speaker 20 (41:06):
That it is the gentleman that I am working with
right now.

Speaker 1 (41:08):
That is the gentleman who is wait think that really.

Speaker 20 (41:12):
His name is Marcus and he is supposed to be
like the director of service, the service director.

Speaker 1 (41:19):
Okay there, yeah, okay, it might be a coincidence, but anyway,
keep going, bo.

Speaker 4 (41:23):
Tell me about your experience.

Speaker 15 (41:24):
So my two K one one of my cases, they
didn't have a camper for about six months and they
get frustrated. We couldn't do anything but for them, but
they did hire an attorney. But they've already spent twenty
thousand dollars in legal fees trying to get a residence.

Speaker 1 (41:42):
But this is ridiculous.

Speaker 4 (41:43):
This is ridiculous.

Speaker 15 (41:44):
I'm happy to make calls, but I can tell you
Tom and our listeners do not use Camping World and
they need to go to the Sleeves Brigade.

Speaker 1 (41:52):
By the way, we have the name. Are you on
the call screener.

Speaker 18 (41:58):
No?

Speaker 4 (41:59):
I'm meh bo.

Speaker 1 (42:00):
Are you on the call screener no?

Speaker 16 (42:02):
I can look it up. I can get on.

Speaker 1 (42:04):
If you well, if you log in, I'm going to
give you Chopper or Chopper if you can send that
directly to Bodale or Chopper has the regional manager's name
and phone number.

Speaker 16 (42:20):
Okay, Chopper screener up.

Speaker 1 (42:22):
Okay, I'll put it on there. Chopper. I don't know,
but I'm gonna okay, I'm going to give you the name.

Speaker 15 (42:32):
Yeah, camping World, Scott. I'm happy to make some calls
for go ahead.

Speaker 1 (42:36):
What were you going to say?

Speaker 9 (42:36):
D Hey, guys, I'm going to be driving up north
on business in a couple of hours, and if we're
talking about the Camping World that's up there on I
twenty five, like near Longmond, I'll go in there in
person and ask for that Marcus guy that everybody's been
trying to deal with.

Speaker 1 (42:53):
Well, the Marcus guy I think she has is not
truly the Marcus guy.

Speaker 9 (42:57):
Okay, so whoever Bowing?

Speaker 1 (42:59):
Because the her literally the owner, he's not there, MSNBC
or whatever it is. He took it over and he
is a major investor, if not the sole investor, the owner.

Speaker 4 (43:11):
I doubt she's talking to him. Do you know what
his last name is? Jackie?

Speaker 1 (43:16):
Do not?

Speaker 20 (43:17):
At the moment, I can get the information for you
though we've been Did he.

Speaker 1 (43:21):
Identify himself well, did he identify himself as the CEO
or the owner?

Speaker 8 (43:27):
Definitely is an Insanityeah.

Speaker 20 (43:29):
Definitely probably not the same person if he went through
the wheat Ridge location.

Speaker 1 (43:35):
Oh okay, here did you see that on the call
screener the regional manager?

Speaker 4 (43:42):
Yes, okay, good, I want.

Speaker 1 (43:45):
I'm going to assign this to Deputy Bo since he's
been frustrated by them before, and it.

Speaker 16 (43:51):
Would be good if Gee could go by there and.

Speaker 1 (43:53):
Just but yeah, but it's not the it's not the
one she's dealing with. So if you could call this
regional manager and then on the forty Jackie, we're going
to assign this to Deputy Bow.

Speaker 4 (44:05):
He'll be calling you now.

Speaker 1 (44:06):
On another note, what are we doing demark, did you
go over the paperwork that Scott's signed?

Speaker 8 (44:12):
Suppose nothing here?

Speaker 1 (44:13):
Man?

Speaker 8 (44:14):
He literally sent us a nothing burger.

Speaker 1 (44:16):
So okay, Well anyway, Scott, by the way, and it
would be good if you could talk and take.

Speaker 4 (44:23):
This one too. Just listen. We're not expecting here.

Speaker 7 (44:25):
I don't know what this. I have no idea what
this guy's talking about. I don't even know what bo
would be taking here.

Speaker 4 (44:31):
I mean, I'm going to tell you what it is.

Speaker 1 (44:34):
He bought a forty three foot Destination camper.

Speaker 7 (44:38):
Yeah, I'm staring staring at the delivery he was talking about.
It's a normal it's basically a bill of lading saying,
is there any issues that wouldn't have been caused or
that could have been caused or wouldn't have been caused
by this shipping? I mean, it's so normal, it's crazy.

Speaker 4 (44:53):
Here's what I'm talking about.

Speaker 1 (44:55):
According to Scott, it had major major damage prior to
being sold.

Speaker 4 (45:03):
I think he.

Speaker 7 (45:03):
Should have That's what he said, And he was going
to send us the paperwork. The paperwork says they were
scratches on the fridge, a scratch on the microwave.

Speaker 1 (45:15):
Missing.

Speaker 4 (45:16):
Okay, is he is Scott still there.

Speaker 15 (45:20):
If not like Scott's phone numbers, so I can group
these two complaints.

Speaker 8 (45:26):
They're assembly have.

Speaker 1 (45:29):
Scratches, Mark, Mark, Please listen. I understand what you're saying.
I swear to God I do. But here's what he
said after looking into it. He wasn't talking about the
minor damage. He said prior to delivery, it had major
damage that they repaired improperly. Now, now, granted, I don't

(45:51):
know what that is. I don't know if he's full
of crap, but that's what he said.

Speaker 4 (45:55):
And if in fact.

Speaker 1 (45:57):
It was truly heavily damaged, now that could be a
clue as to why he's having a lot of little,
minor problems, but there could be major problems lurking. I
don't know, but I.

Speaker 8 (46:10):
Have no idea why he would send us what he
sent us.

Speaker 1 (46:13):
Then that's right, and I agree with you because he
said that he saw some kind of dealer invoice that
showed major damage, and that's what we.

Speaker 4 (46:24):
Have to investigate.

Speaker 1 (46:25):
Bo. So really I don't know any more than you do,
but that's what he said. I think he said I
saw some paperwork and it said there was major damage
before they sold it. So anyway, we're going to move
on to other calls as well, and we have el Zira.

(46:45):
Is that how I pronounce your name? Al Zirah is
el Zira? What a pretty name, al Zira. What is
your issue?

Speaker 14 (46:55):
Well, my issue is with the mortgage company, United Wholesale Mortgage.

Speaker 4 (47:00):
Okay, And what's the problem.

Speaker 14 (47:02):
With them if there's mis concept and involved in my
home and the California court. What I have is a
fraudulent deed of trust.

Speaker 4 (47:12):
Okay, you hold on. I want to explore this coming.

Speaker 1 (47:15):
Right up, She says, she has a fraudulent deed of
trust that is really important to talk about. We will
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Speaker 4 (47:36):
Renew home innovations dot.

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with a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until your content time for

(48:00):
an insurance check up free no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven seven
to one. Help You'll think you're his only customer when
you choose Frank durand the real estate Man dot Com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Okay, Tom Martino, here

(48:25):
a lot going on on this show. Three all three
seven on three talks seven on three two five five.
So el Zirah, she has a problem with a mortgage company. Now,
I need to take this from the beginning because it
sounds complicated. So when did you buy? Is this the

(48:46):
mortgage you used when you bought the place.

Speaker 14 (48:50):
As a different mortgage company? But I just as a
home for fifty years?

Speaker 10 (48:56):
I will okay?

Speaker 1 (48:57):
Did you okay? You had the home? You've been in
your home for fifty years? And did you refinance to
get this mortgage company?

Speaker 14 (49:08):
I did?

Speaker 4 (49:10):
Okay? When did you refi with this company?

Speaker 14 (49:13):
And twenty in September seventeen, twenty twenty.

Speaker 1 (49:19):
Okay, in twenty twenty, you you refined or using using
the company called what What's.

Speaker 14 (49:29):
The name of the sale mortgage?

Speaker 4 (49:32):
What is it called?

Speaker 14 (49:33):
I'm sorry, N wholesale mortgage?

Speaker 4 (49:38):
Okay?

Speaker 1 (49:38):
And what is wrong with United Wholesale mortgage.

Speaker 14 (49:43):
Well, the problem is which I just discovered a lot.
I realized that a lot of the contracts was fraudulent.

Speaker 1 (49:49):
Right, Well, how much hold on? How did you realize
the documents were fraudulent?

Speaker 4 (49:55):
How much of a mortgage do you have? By the way, how.

Speaker 14 (49:58):
Much it wasn't but two hundred and eighty five.

Speaker 1 (50:03):
Two hundred eighty five thousand, okay, okay, And so tell
me why you said this is fraudulent. This was done
back in twenty twenty. When did you first discover it
was fraudulent?

Speaker 14 (50:19):
Well, when you look at the I had on my
deed of trust. Yeah, oh that they had. Oh my god.
Let me think of the company that they send it to.
And it shows that everything was taken care of that
day on the seventeenth of twenty twenty.

Speaker 1 (50:40):
Oh, are you saying they never paid off your other loan.

Speaker 14 (50:44):
They're saying that that particular loan was already taken care
of and clear right, that's what is shown. Okay, I
sin United Hotel or get the affter date the student
then notice of default. I think my after day the dispute,

(51:05):
which they never responded to.

Speaker 1 (51:07):
Well, oh, Zira, this is important for me to know.
I need to know something. So you refined your house
in twenty twenty? What got you looking? Here's what I
need to know. What first got you looking at United
Wholesale Mortgage? I mean, did one day you wake up
and say I don't like the loan? I mean, what
made you look at that loan?

Speaker 14 (51:29):
There was other people that I was talking to and
different people, and it wasn't the first person someone else
had mentioned to me was talking about how loans are fraudulent, right.

Speaker 13 (51:39):
Okay, okay, oh, and I started.

Speaker 14 (51:42):
Looking like, wait a minute, and then they had.

Speaker 1 (51:45):
Okay, so what did you see about your loan with
United Wholesale? What did you see that made you suspicious?

Speaker 14 (51:55):
I'm trying to remember the company that they sent everybody's
loans too.

Speaker 1 (52:00):
It's okay, what do you mean a company that they
said everybody's loans to?

Speaker 14 (52:06):
They have a company I'm trying to remember.

Speaker 11 (52:09):
The name of it.

Speaker 1 (52:10):
Is it a servicing company where you send your payments to?

Speaker 14 (52:14):
No, it's oh my god, it doesn't matter.

Speaker 4 (52:19):
It doesn't matter.

Speaker 1 (52:20):
Elzirah. Here's what I need to know. I'm gonna I
want to ask you, Elsira. I want to ask you
some basic questions right now. Okay, Are you behind in payments?

Speaker 18 (52:30):
Yes?

Speaker 10 (52:31):
I was?

Speaker 1 (52:32):
Are you still being Are you still behind? Elzirah? This
is really complicated and some very simple questions today. Are
you behind in any mortgage payments from twenty twenty till now?

Speaker 11 (52:48):
Yes?

Speaker 14 (52:49):
But I was never behind before. I since United wholesale
mortgage after day, but the suit I was always on time.

Speaker 1 (52:58):
It doesn't matter how many payments since twenty twenty?

Speaker 4 (53:03):
How many payments have you missed?

Speaker 14 (53:07):
About twenty four.

Speaker 1 (53:10):
And let me ask you another question. Are you making
payments now? No? Okay, you're going to be foreclosed on?

Speaker 14 (53:21):
They did. They did what they called their fortulosure.

Speaker 1 (53:25):
Did they take your hold on? Are you still in
your home? No?

Speaker 14 (53:29):
They took it. They did an unlawful lock lockout of.

Speaker 1 (53:33):
Okay, okay, Elzirah, I I don't think we can there's
you should have never been behind twenty four months, even
if the loan.

Speaker 4 (53:45):
I don't know what you were even disputing.

Speaker 1 (53:48):
I don't know why you stopped making payments.

Speaker 14 (53:51):
Trust because if you look at the deed of trust. Yes,
trust had a fraudulent notary.

Speaker 1 (53:59):
Okay, el Zirah, Elzirah.

Speaker 4 (54:03):
Are you trying to get your house back?

Speaker 11 (54:05):
Yes, I am.

Speaker 4 (54:07):
How long have you been out of your house?

Speaker 14 (54:10):
I've been out of there since several wards the.

Speaker 1 (54:12):
Fil I I'm gonna let me tell you what I
think happened. Elsira, this I swear to you. I want
to help you. But here's what I think happened. I
think you started getting suspicious because you've heard about a
lot of fraudulent loan activity.

Speaker 4 (54:28):
And I think what you did is you took.

Speaker 1 (54:30):
It upon yourself to dispute your mortgage. However, with a
disputed mortgage, you're not supposed to withhold payments. They did
a foreclosure, and they did a foreclosure through the courts,
and what happened was they were granted the foreclosure, which
tells me a judge looked at the paperwork and said

(54:52):
it was all right.

Speaker 4 (54:54):
Now did you fight the foreclosure?

Speaker 14 (54:58):
I bought everything. They did not do it. So this time,
let me tell you what I did. This time I
come back to fight them, and I put all the
Abdi in the But.

Speaker 1 (55:10):
What evidence do you have? I want to know what
you were What were you fighting, el Zirah? You know
you owe money on the house, right, so that wasn't
in dispute.

Speaker 4 (55:20):
Why did you stop.

Speaker 14 (55:21):
Paying because it's already paid for? They got much?

Speaker 1 (55:28):
How did you pay? Okay, if it's already paid for,
who paid off your two hundred and eighty five thousand
dollars mortgage? Who paid it off me? And when did
you bake that two hundred and eighty five thousand dollars payment?

Speaker 14 (55:43):
Okay? Let me explain. And I don't know if anybody
overstands how this works.

Speaker 4 (55:49):
I understand it fully through closing.

Speaker 14 (55:53):
They took it to the bank and they got paid.
Now do you look at the contracts. The contract shows
that they got paid. But because we signed two contracts.

Speaker 4 (56:04):
Who paid them? Who paid them?

Speaker 1 (56:07):
Somebody had to have come up with two hundred eighty
five thousand when you refinanced two hundred and eighty five thousand,
Who paid your loan?

Speaker 4 (56:14):
Who paid it?

Speaker 14 (56:15):
It comes out of my trust because when I give
them my social Security number and I give them my signature.

Speaker 4 (56:23):
What kind of a trust do you have, Alzira? What
kind of a trust?

Speaker 14 (56:26):
So sessake trust? Everybody has one it's called the SAYSTEQ trust.

Speaker 1 (56:30):
Okay, Elsira, I can't help you, dear, dear, I can't
help you. I can't help you. I'm sorry. Not everyone
has a trust, No, they don't. And no one paid
off your two hundred and eighty five thousand dollars mortgage.
And you took it upon yourself not to make payments,
thinking they were already paid. You thought your mortgage was
already paid. Is that correct?

Speaker 14 (56:51):
It's clearly showed that it was paid.

Speaker 4 (56:53):
Okay, who paid it? Who paid it?

Speaker 14 (56:57):
It was showed that it was paid closing, Who paid it?

Speaker 1 (57:01):
Who paid your mortgage? Who paid the two hundred? Where'd
the money come from? Where's the money?

Speaker 7 (57:08):
She's saying when she refined or took out another loan
on it, the first company was supposed to be paid off.

Speaker 1 (57:14):
Of course, well the first company, the first company was
paid off. Mark. She is saying that she doesn't owe
See I know what she's doing. She's reading this stuff
on the internet that talks about people not having to
pay their loans. Listen, el Zirah, I can't help you, dear.
I think did you ever have you talked to an attorney?

Speaker 14 (57:36):
That's okay? I have them in default right now. So
it's okay, okay, okay.

Speaker 1 (57:42):
I'm so happy. I am so happy that you have
that taken care of because we can't help you people. Listen,
there's a lot going around on the internet about fraudulent
mortgages and I've looked it up, and what they claim
is they claim that when your mortgage is paid off,
well see what happened when you REFI new company pays

(58:03):
the old company. These people are claiming that shows a
paid deed of trust and you have a window to
have your home free and clear, and you protest the
new deed of trust and you go through this process
of withholding payment and supposedly Social Security will pay off
your loan. Listen, el Zirah, Elsirah, you just went with

(58:27):
a lot of wrong information. There's a lot of internet
crazies out there, and you're going to look. You lost
your home. It's unfortunate you lost your home. And by
the way, I want to remind everyone that we're doing
insurance checkups at three h three nine nine six nine thousand.
If you call up, we will do some insurance checkups

(58:49):
for you at Compass and we'll come back and talk
about them. Also, Ashley said she was injured by a
bag of ice at Circle K. I want to talk
to her, coming right up. Okay, that's that sounds like
a really really weird case. Kinage Home Solutions. By the way,
they also have painting pros That means they can do

(59:11):
painting Khwindows dot com. Go with a sure thing Denver's
Best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass Insurance paying too much

(59:32):
your coverage at dozens of insurance companies find out now
three all three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with
Remax Alliance three all three nine two zero sixteen twenty two.
Hey Tom Martinez here three O three seven one three

(59:54):
talks seven one three eight two five to five. So
Ashley was injured. Now, Ashley, we do have personal injury
attorneys we can talk about. I want to start the
story first, What the heck is going on?

Speaker 10 (01:00:07):
Okay, So the evening of September first, I went and
purchased three bags of ice for my local Circle Gay
convenience store, and I took them home, and I didn't
want to keep running back and forth back for each
bag of ice, so I just swooped them all up
in my arms and carried them all three inside of

(01:00:28):
my home, and I could feel that, like one of
them started to slip out of my arms, so I
kind of put my knee up to secure it, and
then I grabbed it by the given handle that they
leave for you to hold the ice, you know. And
I'm still walking into my house and I'm kind of struggling,
but the size bag is still slipping. I could feel

(01:00:51):
it out of my fingers and then all of a sudden,
I feel this sharp pain of something stabbing me and
my finger, and so I'm kind of panicking at this point,
and I dropped the other bags of ice, and the
other the bag that is stabbing me is like pulling
my finger now, and I feel this sharp object going

(01:01:14):
deeper into my finger and pulled it down.

Speaker 6 (01:01:16):
With the ice.

Speaker 4 (01:01:18):
Yeah, what's this?

Speaker 10 (01:01:19):
I flow to my knees and it's a staple that's
obscure right above the knot of the bag of ice,
and I come to realize that all of them have it,
and I'm like, oh my god, like, what is going
on here?

Speaker 1 (01:01:32):
Wait a minute, so Ashley, So Ashley, you're talking where
the where the bag is k nodded? There is a
staple above the knot.

Speaker 10 (01:01:42):
Yes, a large staple that's not even.

Speaker 4 (01:01:44):
Class but class what why is it on there?

Speaker 10 (01:01:48):
I don't know, but all of them have it? And
I was like, oh my goodness, this is absolutely insape.
So upon U long story short, well, I I ended up. Uh,
I'm streaming for my great friend and he find me
something east. I'm like, get get the scissors, Get the scissors,
because I'm stuck to this bag of ice that's heavy
and I don't know how deep this staple gun.

Speaker 7 (01:02:11):
Into Tom it said, it's a sea ring. It's on
all bags of ice. It looks like, okay, Mark, did you.

Speaker 4 (01:02:17):
Just look that up? What is it like?

Speaker 7 (01:02:19):
I just looked it up just to see what she
was talking about. But I guess every bag. You know
how they twist him at the top. Then there's like, yes,
a sea staple that goes around.

Speaker 1 (01:02:28):
Oh, they clamp it so it doesn't untwist.

Speaker 10 (01:02:33):
It's tight, So I don't understand why they do that,
but they it's clearly you might as well put a
fish hook on these on these bags of No.

Speaker 1 (01:02:40):
I understand it's it's to keep the bag from untwisting.

Speaker 10 (01:02:46):
Right Okay, well, I mean maybe if it's twisted, but
they have knots in them, like.

Speaker 7 (01:02:50):
They're how much at a curiosity like did you go
to the er? What are we talking about?

Speaker 8 (01:02:55):
What damages?

Speaker 10 (01:02:58):
I definitely did.

Speaker 1 (01:02:59):
Well.

Speaker 10 (01:02:59):
Now since that day, my finger is still puppy and
purple and I can't feel that side of my palmy.

Speaker 1 (01:03:06):
It's my pinky finger, Ashley, Ashley, I need to ask
a few questions for personal injury purposes.

Speaker 4 (01:03:12):
Did you go to er that day?

Speaker 11 (01:03:16):
Yes?

Speaker 10 (01:03:16):
I did, almost immediately.

Speaker 1 (01:03:19):
What did they do? What did they do? Did they
stitch it up?

Speaker 10 (01:03:24):
Well, they gave me a scary stitch, but they did
give me a teennis shot, because I mean, I don't
know where this piece of metal's been and if it's
you know, safer or whatever. I mean, So they definitely
gave me a tennis shot and put me on antibiotics
as well, and scary stitched it up because I mean,
it's it's such a fine split in my finger. But

(01:03:45):
I mean I had to have torn up some of
you know, the ten tenons in my finger.

Speaker 1 (01:03:49):
Because well, okay, here here's what you have to do, Ashley.

Speaker 4 (01:03:54):
You got a number of things. Here's a number of things.

Speaker 1 (01:03:56):
First and foremost, you have to see what dan image
you have. In other words, you literally have to go
to a doctor, and you have to go to a
maybe even a nerve doctor or whatever.

Speaker 4 (01:04:07):
They call neurologists.

Speaker 1 (01:04:08):
You have to figure out what tendons were torn, if any,
in your finger, and will feeling come back or is
it permanent Once you find if it's not permanent, then
then I think the chances of a personal injury lawsuit
are slim to none if you have permanent damage. If
you have permanent nerve damage in your finger, then you

(01:04:31):
have to establish liability. And that's for an attorney to do.
You don't even have to waste your time. What you
do is you take the results of the doctor's appointment
to an attorney and say, I have permanent nerve damage
as a result of this, I assume you kept the
sea ring, the the staple. Okay, so you would go

(01:04:53):
to a personal injury attorney. Now here's what I've always said, Ashley.
The best to determine whether or not you have a
case is someone who's going to put their money where
their mouth is. And that's what a personal injury attorney does.
They look at you, they look at the damage, they
look at the circumstances.

Speaker 4 (01:05:15):
If they decide.

Speaker 1 (01:05:16):
To take the case on contingency, then they're pretty well
sure they have enough money to cover it at the end.
That's really what it boils down to. It all boils
down to dollars and cents. How much were you injured?
What is it worth? And will an attorney take the case.
So I have an obvious question. Did you talk to

(01:05:38):
any attorneys?

Speaker 10 (01:05:39):
Yes, I'm Thompson, several.

Speaker 4 (01:05:42):
And did they say they would take the case?

Speaker 18 (01:05:46):
No?

Speaker 1 (01:05:46):
They did not. That is your indication. That is your
If several attorneys have turned you down, that is probably
your indication you don't have a good case.

Speaker 10 (01:05:59):
Right wow.

Speaker 4 (01:06:00):
But did they did they say go to a doctor?

Speaker 1 (01:06:04):
Did they or did they just flat out turn you down?

Speaker 18 (01:06:07):
No?

Speaker 10 (01:06:08):
They they said that this isn't typically the ones that
I've called they said this is is it typically in
their their brain?

Speaker 1 (01:06:16):
That's just bs, that's that's just the way of saying
they're not interested. Trust me, if they thought you had
a good case, they would they.

Speaker 4 (01:06:24):
Would take it.

Speaker 1 (01:06:25):
Now, if you'd like, we can check with our personal
injury attorney.

Speaker 4 (01:06:28):
Hold on, and let's let let our.

Speaker 1 (01:06:30):
Producer know if you want to check with our personal
injury attorney. I have to take this break. I'm Tom Martinez.
We have more coming right up. 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

(01:06:51):
check up free, no obligation. In comparison, call Compass Insurance.
Pay too much your coverage at dozens of insurance companies
find out now three out there 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. Hi Tom Martino, you're a

(01:07:17):
troubleshooter three all three seven one three eight two five five.
So uh, I wanted to ask. I know what our
personal injury expert's gonna say. They're gonna say no way,
There's just no way. But I would like to ask.
But anyway, she hung up. Here's the deal with personal injury.
There's more than just the injury. The injury has to

(01:07:38):
be permanent. It really does, okay, unless you went through
severe pain and suffering.

Speaker 4 (01:07:44):
And then not only that, but then you have to have.

Speaker 1 (01:07:49):
Enough in financial losses, and then you have to have
a connection.

Speaker 4 (01:07:55):
It has to.

Speaker 1 (01:07:55):
Be a liability. Just because it happened doesn't create liability.
Liability is created through negligence. They knew about problems, they've
had problems before, They've never addressed the problems. It was reckless,
and often they use a standard where a common person
would say, oh my god, I can't believe they did that,

(01:08:18):
So it can be weird. Paul, what's going on with
your neighbor? Hello, Paul? What's happening?

Speaker 18 (01:08:26):
So?

Speaker 11 (01:08:26):
I have one hundred year old house in West Denver,
and the.

Speaker 2 (01:08:32):
I have a.

Speaker 11 (01:08:34):
Retaining wall that's along the property line that's been there forever,
and a mature elm tree that's on my neighbor's property
that not only drops limbs on my side, significant limbs,
but also is starting to break up the retaining wall.
Now that retaining wall holds up his property, he's higher

(01:08:57):
than me. His driveway area. I know by law I'm
allowed to clear up along the property line straight up.

Speaker 1 (01:09:04):
I know that that's right. Yeah, but but it must
be done. It must be done with they what they say.

Speaker 11 (01:09:10):
Care Yes, yes, So the the issue is, well, a
couple of issues. Number one, what where is the liability
if that any one of those limbs falls down on
my uh power lines might drop line?

Speaker 1 (01:09:33):
Well, if it's an act of god. Hold on, now,
listen carefully. Let's say it happens from a windstorm. It
would be no one's responsibility unless the tree was old
and dry, and anyone could have foreseen this happening. Hold on, Paul, though,

(01:09:56):
and we can talk about addressing this with your neighbor.
Right after this, 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

(01:10:17):
coverage at dozens of insurance companies find out now three
all three, seven seven one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two.

Speaker 3 (01:10:37):
Ris needed.

Speaker 1 (01:10:41):
That's who. You don't have to.

Speaker 3 (01:10:44):
Come runnxious as fast as we can. Show Shooter's gonna
help come Man.

Speaker 8 (01:10:51):
Dix is the Troubleshooter Show.

Speaker 1 (01:10:54):
No Tom Martino, Hey, I'm Tom Martino. Welcome to the show.
Three O three seven on three talkers our number seven
one three eight two five five here to help you
solve problems, answer questions, take complaints, make your life a
little easier anyway we can. Somebody has a question for
our insurance expert today, Brian Burn from Company Insurance Group.
We're also doing insurance check ops. I haven't been pushing

(01:11:17):
it that much. They do it all the time. If
you call up, they give you an objective look at
your insurance and what's out there and if it can
be beat or not.

Speaker 4 (01:11:24):
It's truly objective.

Speaker 1 (01:11:25):
And honest, and they don't lie to you and say,
oh yeah, we can beat that. They they let you
know if you have a great deal. And by the way,
those are insurance checkups. But we have a question here
on my text here, I have USAA for auto which
I don't understand this. Which do I select uninsured or
collision is one better than the other. I only drive

(01:11:50):
for work. Now they're asking a whole bunch of questions.
That tells me they have a wrong understanding. When you
have a car this finance, you have no choice but
to have a collision coverage because they want to make
sure that the security or the collateral is covered. Also,
if you own a car that's pretty expensive, you should

(01:12:10):
have collision to fix it, right yep. Collision is simply
that if you're in a collision, regardless of fault, you
can go to your collision coverage.

Speaker 6 (01:12:19):
Right exactly. I think what this guy's asking is uninsured
motors property damage or collision.

Speaker 1 (01:12:26):
Now, uninsured property damage regular uninsured motorists does not cover
any of the car. Regular uninsured motorists just covers pain
and suffering. If you were to have a case and
the person doesn't have insurance or not enough insurance, so
you can literally go to your own insurance to settle

(01:12:46):
your pain and suffering.

Speaker 4 (01:12:47):
Claim pain and suffering only.

Speaker 6 (01:12:49):
Well and loss of wages, loss of work which suffering?

Speaker 1 (01:12:54):
Are You're right? Economic losses? Okay? Uninsured property damage is
a very special animal.

Speaker 4 (01:13:03):
Explain it.

Speaker 6 (01:13:04):
So it's only available if you do not have collision coverage.
And what it does is it gives you your protection
for your vehicle for people that are uninsured. In other words,
if an uninsured motorist was to hitch your car and
then you didn't have collision and you did have uninsured

(01:13:24):
motors property damage, it would step in and repair your
car because the person that hits you was uninsured.

Speaker 1 (01:13:30):
So it's collision coverage for uninsured motors hitting you, yep.

Speaker 6 (01:13:34):
But what it doesn't cover is if you're at faults
in any instance. So if you're at fault in an accident,
doesn't even if it's uninsured, it doesn't cover your car. Yeah,
if you're a fault, even if it's an uninsured motors,
doesn't matter. If you're at faults in the accident. Collision
is what you need to cover your car.

Speaker 1 (01:13:52):
So anyway, we have Paw on the phone now and
so three h three nine nine nine thousand for insurance
checkups right now. In fact, they do them all the time,
but I want to highlight some on the show three
h three nine nine six nine thousand.

Speaker 4 (01:14:08):
So Paul says his neighbor has a tree.

Speaker 1 (01:14:13):
Now, Paul, we get these calls a lot, and I've
gotten them a lot over the last several years. And
it all boils down to this, is the tree a
normal tree or is the tree rotting or in trouble.

Speaker 4 (01:14:28):
So let's go there first.

Speaker 11 (01:14:31):
Okay, I had a professional come by this morning, and
he believes that it is dying from me inside. But
I have to put that in you know, get that
in writing as part of his proposal, and so that's
an answer to you. That's your answer to your question.

Speaker 1 (01:14:53):
So, in other words, does he feel the tree is
in imminent danger and it is hazardous?

Speaker 11 (01:15:02):
Yes, he says, with some winds this winner more limbs
will come down, and you have to be some pretty
strong winds to take the whole tree down. But at
this point in time, it's hard to trim.

Speaker 1 (01:15:20):
What is your goal? Is your goal, Paul, to have
your neighbor remove the tree? What is your goal?

Speaker 11 (01:15:28):
Well, originally I was just gonna work with him as
best as I could to just trim it. And then
when I saw there was damage already occurring to the
retaining wall, and I also had dug down on my
property to take out of some wild roast bushes, I
saw the root structure, some of the root structure of

(01:15:51):
the tree coming onto my property, which is not particularly surprising,
but damage starting to damage what I believe that damaging
my garage is near there.

Speaker 1 (01:16:03):
Well, Paul, So if the root structure is diaminishing your garage,
you can remove it.

Speaker 4 (01:16:09):
But it's not if it's going to damage.

Speaker 1 (01:16:12):
It's only if it is damaging.

Speaker 4 (01:16:17):
It's almost like you've got to.

Speaker 1 (01:16:19):
Figure out are you afraid of what could happen or
are you afraid of what is happening.

Speaker 4 (01:16:27):
There's a big difference. You can't go ahead.

Speaker 11 (01:16:33):
There are two things. One, the retaining wall is actually happening.
And here's a tangent question. I don't know who owns
the retaining wall. I mean it's one hundred year old property.
I don't know when that was built and who built it,
and I don't know. I can only presume that the
de facto property line is at the center of that

(01:16:55):
retaining wall. I mean there's a retaining wall, and there's
some sort of fence on mounted on top of the
retaining wall. So I can presume that that's a Mark
Mient's sake, now, that that's the property line. But I
don't know who is responsible for that retaining wall. If
he's responsible for it, that change in my mind. That

(01:17:16):
changes who's responsible for the damage to the retaining wall,
which is clearly coming from the tree.

Speaker 1 (01:17:24):
And what kind of damage is being done to the
retaining wall.

Speaker 11 (01:17:29):
It's starting to bulge in that area, the rest of
the retaining and.

Speaker 1 (01:17:34):
Well, unless you know it's clear, unless you you have
to do the homework to find out if it's your wall,
and if it's your wall being damaged, you can do
something about it. If it's not your wall, you can,
and if it's if it's the subdivision wall, it would
be up to the HOA, Paul, here's what I'm getting at.
Here's what I would do if Ira you because truly

(01:17:56):
there is no right answer.

Speaker 4 (01:17:58):
Okay, there is no right answer, or you're not allowed.

Speaker 1 (01:18:01):
You can't force him to remove the tree, Okay, you
just can't.

Speaker 4 (01:18:04):
You're not going to if he's.

Speaker 11 (01:18:07):
Even if it's my retaining wall and it's being damaged officially.

Speaker 4 (01:18:11):
Yes, that's true. That's yeah.

Speaker 1 (01:18:13):
Even if you're even if your retaining wall is being damaged,
you cannot force him to remove the tree. What you
can do is sue him for the damage to the wall,
and a judge may order that he removed the just
that structure of the root or the tree, But there

(01:18:33):
is no lawn place that would make him remove the tree.
It's just not going to happen without without a civil lawsuit,
and the civil lawsuit would have to be pretty convincing
that that tree is causing the damage. So, yeah, you
know you can't. There is nothing automatically that's going to

(01:18:54):
make him remove it. Now, sometimes the county or the
city might come in and say you must cut your
tree back because it's interfering with power lines or it's
doing this or that. They're not going to come in
and get into a neighbor dispute and say your neighbor
doesn't like the tree, you got to move it. So

(01:19:14):
it's simply going to be between you and the neighbor.
And here is what I would go ahead, Paul, go ahead.

Speaker 11 (01:19:22):
Well, I'm not in a horrible dispute with him. We're
we're just having our conversations and it's been a little
bit ongoing, and I'm just getting another proposal and I
noticed additional damage. I looked at it a little bit.

Speaker 1 (01:19:37):
Have you ever asked him to voluntarily cut back the tree?

Speaker 11 (01:19:43):
Yes, And we were going to share what we were exploring,
sharing some of the costs of cutting it back. But
then I saw additional damage, noting to the wall, but
to his driveway. It's clifting his driveway. And I just
texted him this morning showing him the pictures and talking
to him about it. So the relationship is in good shape.

(01:20:03):
It's a rental property. We're not in an h way
or anything like that. It's an old neighborment, so we're
in good shot in terms of the relationship. Nobody obviously
wants to spend money. They don't need to, and I
don't have anything.

Speaker 10 (01:20:19):
There won't be.

Speaker 11 (01:20:20):
Any problem proving that that tree is damaging the wall.
I don't know how to research who owns the wall.

Speaker 1 (01:20:30):
Well, then if you can establish who owns the wall,
you can't ask him to stop doing damage to it
because it may not be yours. Yeah, so I don't
know how to tell you to research it. I mean
the county might know. You might ask a surveyor whose
side of the property it's on. If it's in the
middle of the property, then you can probably assume that

(01:20:53):
you're both equally responsible for the wall. But I have
a very much easier way to deal with that. I've
been trying to tell you. Now before you've told me
your story. Now, let me explain this to you. You see,
part of the problem is liability. Okay, no matter what happens,
is it an act of God or not?

Speaker 4 (01:21:14):
Is it this or is it that?

Speaker 1 (01:21:15):
Did he know?

Speaker 4 (01:21:16):
Could he have known? So here's what I would do.

Speaker 1 (01:21:20):
I would simply write him a document and I'd keep
a copy of it, and I would hand it to him,
and it says, I want to put you on notice
that I believe your tree is old, dying, and in
danger of damaging my property.

Speaker 4 (01:21:42):
I request that.

Speaker 1 (01:21:42):
You do something to alleviate it to avoid future damage. Okay, now,
what have you just done. You've put him unnoticed, so
he can't say if something does happen to your property,
he can not claim he never knew about it. Right,

(01:22:05):
So that's what I would do. That's the only thing
I would do. And then I'd let I'd let nature
take its course. Now, how close is that tree to
your actual structures.

Speaker 11 (01:22:18):
To the garage. It overhangs the garage with very large limbs.

Speaker 1 (01:22:24):
So if a large limb, so now after that letter,
if a large limb breaks off and hits your garage.
Brian Burns from Compass Insurance, I want to ask you
would that cover would his homeowners cover that garage if
the neighbor's tree fell on it?

Speaker 6 (01:22:41):
Yes, it would. And but to this whole discussion, I
was thinking, if you're seeing this as a likelihood of
something happening, if you're able to forecast it, and Tom
mentioned this before break, I would make notes to it
or at least send the neighbor information about it, because
if it is foreseen, then your insurance company very well

(01:23:04):
might subrogate and go after I'll.

Speaker 4 (01:23:07):
Fix it, but go after the neighbor.

Speaker 6 (01:23:09):
Yep, right, I agree.

Speaker 11 (01:23:13):
There's also in an in danger of the power line.
And the tree guy said, you know, if if any
one of those big LIGs and I have limbs bawling
on my property from that tree all the time, every year,
constantly I get up on the garage roofing was part
of its flat, and I clear off with the small debris,
and I can't part near my garage out of fear

(01:23:37):
of limb coming down on the car. Now the tree
guy said that if a limb comes down and breaks
off the power, not only am I out of power?

Speaker 18 (01:23:47):
But it's going to cost.

Speaker 11 (01:23:49):
Many thousands of dollars to have Excel to the repair, and.

Speaker 1 (01:23:55):
Your insurance would cover that, Paul, your insurance would cover
that and then go after to the neighbor if it
was negligent. Paul, I'm just gonna tell you something. You're
not gonna like hearing this. You're not gonna like hearing this.
You can't do anything about it because of Kulda would
have shoulda. You can't. Okay, you can't anticipate a problem

(01:24:19):
and make someone do something. You can't do it. Of course,
your power line could be destroyed, your garage could be damaged,
but you can't on the fear of it.

Speaker 4 (01:24:30):
Make them do anything. You can put them on.

Speaker 2 (01:24:33):
Notice, and I understand, and I agree. Okay, you already
started sending them a text. I'll send them a notice
along with uh the arboris proposal, which I'll have the
ars do an assessment of the health of the tree
and if.

Speaker 11 (01:24:51):
It says that if you know, dying and its significant
risk of falling, however they want word it accurately, I'll
set along and that should be sufficient to put him
on notice.

Speaker 1 (01:25:04):
Yeah. Absolutely, And I think that putting him on notice
is going to be your most important weapon. Unfortunately, there's
nothing you can do to uh, to make someone do
something on the anticipation I didn't take a break, did
I yet? Okay, I need to take this, William. I'll

(01:25:24):
come right back to you and we'll talk about your
property insurance right after this. 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

(01:25:45):
up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three oh three seven seven one help. You'll
think you're his only customer when you choose Frank durand
the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen
twenty two. Hi Tom Martine here, welcome to the show.

(01:26:15):
Let's go back to the phones and find out what's
on your mind. William wants to talk about property insurance.
We have with us Brian Burns Compass Insurance Group. Maybe
he can answer what is your question on insurance? William?

Speaker 13 (01:26:32):
Hey you, Tom hey Man, appreciate your help.

Speaker 1 (01:26:35):
Thank you a.

Speaker 10 (01:26:36):
Lot of time.

Speaker 1 (01:26:36):
No talk.

Speaker 13 (01:26:38):
I've got a property out in the Boonies. It got
hit by a tornado up in the mountains. Loud not
wow two years ago. Yeah, so in a short story,
we uh, the contractor I had was supposed to extend
the two year deadline to get the work done because
I'm trying to find a contractor.

Speaker 18 (01:26:58):
Will go on.

Speaker 13 (01:26:59):
There was interesting.

Speaker 1 (01:27:01):
Now wait a minute, what do you mean it too
your What do you mean a two year deadline?

Speaker 13 (01:27:06):
By the time from the time you file your claim,
you have two years to complete.

Speaker 1 (01:27:10):
That is that, right, Brian? I don't know of anything
like Brian.

Speaker 6 (01:27:14):
Well, so you're saying there's there is definitely a limitation
from the time of damage until you file the claim,
and most policies that's twelve months.

Speaker 13 (01:27:25):
Okay, I filed the claim just a couple months later.

Speaker 1 (01:27:28):
But there is no we don't know of any We
don't know of any two year limit. There are people
that spend three and four years, may rebuild.

Speaker 6 (01:27:36):
And take longer. Now, if there's the danger of more
damage occurring by you not completing it, I can see
why they would be pushing. Or if you have a mortgage,
the mortgage might be pushing for it.

Speaker 1 (01:27:47):
Okay, so is your insurance company. Is your insurance company
telling you you missed a deadline, yes.

Speaker 13 (01:27:54):
Sir and saying that we can't. I want to so
that they're estimate. So that that company had a guy
that he never filed the extension and they fired him
because of all kinds of other stuff that.

Speaker 1 (01:28:06):
We're having a problem getting past the extension. Okay, who's
your carrier? Who's your carrier? Aren't did they tell you
listen carefully? Did they say your entire project had to
be done in two years?

Speaker 13 (01:28:24):
But yes, that's what I was told.

Speaker 4 (01:28:26):
Well, hold on.

Speaker 1 (01:28:28):
Two years from the date of loss or two years
from the data filing.

Speaker 13 (01:28:33):
Data law, excuse me, data loss.

Speaker 1 (01:28:36):
That's impossible. I don't know of any insurance in the
world that can make you get what if there was
extensive work and it took more than two.

Speaker 13 (01:28:44):
Years, right, So according to them, I could have filed
an extension, which I thought the guy said he was
going to do.

Speaker 1 (01:28:53):
And Brian, Brian, I think he's getting bum information.

Speaker 19 (01:28:56):
Man.

Speaker 6 (01:28:56):
Yeah, I mean, here's anytime something like this up, I
always tell people, go ahead and tell them show me
in the policy where it states this, because I don't
know of any kind of strict deadline that's listed in
a policy, so there's not like some single state mandated deadline.

(01:29:18):
So I want to see it in the policy language
where it states that.

Speaker 19 (01:29:23):
Okay, gotcha, I think listen, you see we can't help
you with your problem because, okay, here's why, because really
we don't know about the We don't know if you're
being bs.

Speaker 1 (01:29:38):
I just looked up and I asked artificial intelligence. Here
it says, under many homeowner policies, state farm requires you
complete repairs or replacements within two years of the lass
to be eligible for replacement cost value. This is a
general requirement for filing, reporting acclaim specific condition to receive

(01:30:01):
full replacement. Okay, this is not a general requirement. It's
only if you want to get you will get actual
cash value if you go beyond two years. They're saying,
so what does that mean? It's been cost is replacement costs.
Actual cash value is what it is, what it was worth.

Speaker 4 (01:30:21):
There's two different things, right.

Speaker 1 (01:30:22):
It may have been worth a certain amount, like your
deck may have been worth a certain amount, but you
get paid replacement under replacement costs.

Speaker 6 (01:30:31):
Brian, But what I would fully expect is that your
claim adjusterre would be communicating with you on this, like
say telling you, hey, we're coming up on this date.
If if that's written policy, I would I would hope
they would, they would help you along.

Speaker 4 (01:30:47):
Listen to this, Listen to this. You got to hear this.

Speaker 1 (01:30:50):
The Eighth Circuit Court of Appeals upheld State Farms position
when they were sued. It said, even if policyholders disagree
with valuealuation, they must complete the repairs within two years
or notify the company accordingly, or they would not get
the replacement cost valuation. In another case in Minnesota, the

(01:31:13):
policy's two year limit applied to when legal action could
be filed, not necessarily to repairs. Courts have held that
the failure to redo repairs within two years can be upheld.

Speaker 4 (01:31:26):
So man, So the key.

Speaker 6 (01:31:28):
To this is making sure you're communicating with the company
as you're coming up on that.

Speaker 4 (01:31:33):
Year mark claiming. Now I know what he's calling about.

Speaker 1 (01:31:36):
He wants to blame hold On, he wants to blame
the construction company for not filing the extension.

Speaker 4 (01:31:41):
They're not required to do so.

Speaker 1 (01:31:43):
And unless you add a contractual arrangement saying they would,
you cannot. I know what you want to do, William,
I know exactly why you're calling. You're going to try
to get them to pay the extra cost because, by.

Speaker 4 (01:31:55):
The way, is State Farm telling you you have.

Speaker 1 (01:31:58):
No coverage, because that's not true. They will pay you
actual cash value.

Speaker 11 (01:32:04):
Right.

Speaker 13 (01:32:04):
The problem is that the stuff we're fighting over is
like twenty five years old. It's a deck that's twenty
five years old, so right.

Speaker 1 (01:32:12):
So their actual cash value is going to be pennies
compared to replacement, Yes.

Speaker 13 (01:32:18):
Sir, and then I guess the point. The next question
would be, then do I have any their estimates were
significantly lower than the actual costs that it took to
do this work. Is there anything beyond that two year
period then that I could like a final cost adjustment

(01:32:38):
or something that's going to.

Speaker 6 (01:32:40):
Be replacement cost. Again, you're going to.

Speaker 1 (01:32:43):
Lose the replacement cost because you went beyond two years,
which is in your contract. Right, You're going to lose
replacement value. I don't think person, William, it's really important
you hear this. You are not, in my opinion, not
a legal opinion, but you're not going to get the
contractor to take responsibility for it because under your contract

(01:33:06):
it is not their responsibility. It is your your insurance,
and you have to be communicating. Now you're going to say,
but you guys should appiled the ascension. They're going to say, no,
we shouldn't. Well, you're that you're not assured. We're not
the insured, you're the insured.

Speaker 6 (01:33:20):
This is not a state you know, mandatory deadline. In
other words, there are policies that won't have this to
your limitations. So to the your contractor's defense, how would
they know what your insurance policy says?

Speaker 13 (01:33:34):
Yeah, that's fair enough.

Speaker 1 (01:33:35):
Yeah, I'm telling you man, this is so how much
are we talking about in dollars?

Speaker 4 (01:33:41):
How much do you have to come out of pocket?

Speaker 13 (01:33:44):
Probably about twenty grand?

Speaker 1 (01:33:46):
Ugh, oh my gosh.

Speaker 6 (01:33:48):
Yeah, that's terrible.

Speaker 1 (01:33:50):
Has the contractor taken any responsibility?

Speaker 13 (01:33:55):
They're doing everything they can to cut the cost down,
even to the point where because they do feel that
this guy that they were working with was not doing
the job right and he should have filed that extension
or told his person that they do that with they're
at the company, and he didn't, and they've let the
guy go for a lot of inconfidence. But so they're
trying to cut this down to like really bare bones

(01:34:18):
and it's almost to no profit. They really have been
over backwards.

Speaker 18 (01:34:21):
They're really good.

Speaker 4 (01:34:22):
Oh that's good.

Speaker 13 (01:34:22):
No qualms with the guy. Yeah, so we're still we're
still like an extra twenty grand out of pocket, even
with them cutting everything back and doing everything they can to.

Speaker 4 (01:34:33):
You knew about this two year debt.

Speaker 1 (01:34:35):
You knew about this two year deadline before it was started.

Speaker 13 (01:34:40):
Yeah, And I talked to my guy and I said,
so we need to we're coming up, you know, on
this deadline. He goes, I will talk to forget the
woman's name that does our insurance stuff. I'll have her
filed the extension. And I said, that's awesome, thank you
very much. And it still should have been on me.

Speaker 11 (01:34:57):
I understand that.

Speaker 1 (01:34:58):
I'm okay, listen, I got to take this break. Man.
I hope things work out for you. But there there's
there's really nothing to do at this point, there really is.
He I'm sorry, bro, I'm really sorry for you again.

Speaker 4 (01:35:12):
People.

Speaker 1 (01:35:12):
You got to read your policies now, Brian, are there
similar deadlines and policies that I have let you sell yours?

Speaker 6 (01:35:19):
Well, I'm sure there's carriers that will have this same
kind of language, don't know.

Speaker 1 (01:35:23):
And you don't know of any well.

Speaker 6 (01:35:25):
I mean some of the bigger companies we used do
not have it. I've got several claims that have gone
over two years from the data loss.

Speaker 1 (01:35:31):
And what about a fire for God's sake, That's what
I mean.

Speaker 6 (01:35:34):
There's no a deck. Is strange why it would be,
you know takes so long, but you know full home
rebuild it happens all the time.

Speaker 1 (01:35:43):
Anyway, we got to take this break. I'm Tom Martine
Moore coming up. Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't pay a cent
until your content time for an insurance check up free,
no obligation. In comparison, call Compass Insurance paying too much

(01:36:06):
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. Hi Tom Martino, your troubleshooter three O three

(01:36:31):
seven one three eight two five five. Nick has a
comment on the neighbor's tree issue, where the tree was
overhanging the guy's garage, and the guy was afraid of
all kinds of problems.

Speaker 4 (01:36:42):
That could happen.

Speaker 1 (01:36:44):
And uh, what, Nick, what do you have to say
about this?

Speaker 21 (01:36:49):
Hey, Tom? I think those guys are in luck that
Excel is involved, because they they'll come and I know
I had a my house that they a giant tree.
They cut it down because it was going to be,
you know, a problem and or an ongoing problem. And
that was a few years ago. But recently they were
just coming through and trimming back branches and gosh, they

(01:37:14):
were going to town and they're certainly willing to go
to town to really trimming back. As a matter of fact,
it has generated a lot of complaints.

Speaker 1 (01:37:21):
So you think, but you think that Excel Energy has
the ultimate power only for their right of way.

Speaker 4 (01:37:27):
Though they can't just remove the tree.

Speaker 1 (01:37:30):
They can only cut it back where it's interfering with
the power line.

Speaker 21 (01:37:34):
Yeah, if it's thet you know, it's it's it is
an easement where what we have on the back of
our fence. But you know, who knows they're saying it's
an issue, So I think they'll be very eager to
not have an issue with the power line in any case.

Speaker 1 (01:37:50):
Yeah, if it's overhanging the power line, you think just
the threat of that they would do something.

Speaker 21 (01:37:57):
You know, these guys are one of their contractors, Right
Trees Service. You know, I talk to them a lot
when I see him. Yeah, there's just you know, obviously
eager to not have problems.

Speaker 1 (01:38:08):
Okay, well that's maybe one issue, thank you very much.
That's maybe one area he should check first and then
let them handle it. Okay, I have a homeowner's insurance question,
so let's talk to Brian Burns. They want to know
that if their house I know this sounds crazy, is
paid for. Is there any law that says they have

(01:38:30):
to have insurance or can they have under insurance or
can they have a stated value insurance to keep costs
down if they don't care.

Speaker 6 (01:38:37):
Well, you don't have to have insurance if you don't
have a mortgage. That it's not like auto insurance where
there's a state mandatory requirement to have liability.

Speaker 1 (01:38:45):
And could you be especially if you're a house caught
on fire and caught others on fire or yeah, or.

Speaker 6 (01:38:50):
Something so even and I've seen people that just they
are tired of paying for home insurance and they own
their house out.

Speaker 1 (01:38:57):
Right, they know, no, they didn't go on insured, go.

Speaker 6 (01:38:59):
On insured and they but however, I was said, well,
to still get them liability, so you can give you
a premise liability.

Speaker 1 (01:39:06):
Really, so you've known people that got liability.

Speaker 6 (01:39:10):
Yep, yeah, I can get people just liability. But I mean,
you know, something happens to your house, it's it's all
on you.

Speaker 1 (01:39:19):
Wow. Three oh three seven one three talk seven one
three eight two five five. K and H Home Solutions,
by the way, has a powered.

Speaker 4 (01:39:27):
Pergolo you saw. Is that what it's called their power.

Speaker 6 (01:39:30):
Yeah, where they have a uh what's it called.

Speaker 1 (01:39:34):
It's it's so he was just telling me about it
and and I looked at it. So these lovers move
like like above you. So it can be solid ceiling
or roof, or it can be opened to the sun.

Speaker 6 (01:39:50):
You can control it with your phone, but you can
also have it set to where it when the sun
hits it, it closes or you know, they have an
automatic to do different you know, different things.

Speaker 4 (01:40:02):
And by the way, they're the denver for it.

Speaker 1 (01:40:05):
And Brian was looking at one for his house and
he said, Tom, did you know K and H Home
Solutions are the ones that handle this, and I thought
that's pretty damn cool.

Speaker 6 (01:40:13):
Yeah.

Speaker 1 (01:40:14):
Anyway, So so anyway, if you're interested as cagewindows dot
com or go to their website. That that's their website,
cagewindows dot com. And what is it called a perclex
or something?

Speaker 6 (01:40:24):
What was a truck structure in it's st r u
x u r E is the name of the product.

Speaker 4 (01:40:31):
Anyway, we have more coming right up.

Speaker 1 (01:40:39):
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 checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
one help. You'll think you're his only customer when you

(01:41:01):
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. Hi Tom Martino here, we
have Brian Burns from Compass Insurance Group. We've been doing
some insurance check up. Do you have any examples?

Speaker 6 (01:41:20):
Yeah? I do, go ahead, yep, I one of them.
I just wanted to share here because we were talking
about the HO sixes. Yeah, we had someone call in
HO sixes.

Speaker 4 (01:41:31):
We should explain, I'm sorry.

Speaker 6 (01:41:33):
Yep, condo insurance. So they have auto and condo insurance
and I'm sorry they did not tell me who they're with. Okay,
it doesn't matter, but they sent over their policy and
we're able to One of the agents was able to
read it for them and find that even though they
had a twenty five thousand dollars limit for loss assessment,

(01:41:54):
their policy has a sublimit if it's an HOA deductible
and they only cover it for a one thousand dollars.
So if they were given an assessment from their hoay
for a new roof, for something along those lines, and
it's because of their deductible, which is almost every loss
assessment you'll ever see, their policy will only cover them

(01:42:16):
for one thousand dollars even though they purchase twenty five
thousand dollars of losses. Because that makes sense. Yeah, so
we found them a new option for auto and home.
They were paying a total between auto and home, they
were paying about five thousand dollars a year. Oh my god,
we got them auto and condo insurance for forty two

(01:42:39):
hundred give or take a year, and we have twenty
five thousand dollars without that limit. So if they do
have a loss assessment, they'll have coverage.

Speaker 1 (01:42:50):
Wow, that's incredible. Do you have any others? Give me
just all right now? Oh you have a question? Is
it you that had a question for Brian?

Speaker 15 (01:42:59):
Yes, so Brian, yep. I have two daughters, once twenty three,
once twenty six. I've been paying for their insurance auto insurance.
So I'm trying to figure out a way to reduce
my liability because I have a big umbrella and one
of my daughters is quite the lead foot. She doesn't
have any tickets or anything, but I want to I

(01:43:21):
want to get Yeah, I want to give them adult experiences,
and they need to get their own auto policy. So
my question is, the vehicles are in my name. Do
I need to transfer the vehicles into their name in
order to get an auto policy?

Speaker 6 (01:43:41):
Yeah, So the insurable interest has to be there in
order for someone to have their own policy, So you
would need to transfer that ownership over to them for
them to have their own insurance policy. Now, I would
still say, and they're in the household.

Speaker 16 (01:43:56):
That's the other thing. They still live with me? Is
that issue? Forget it it is.

Speaker 6 (01:44:02):
Here's the issue. If you take them off your policy
and they live in the household, your insurance company will
require that you exclude them. In other words, you will
have no coverage if they were to ever borrow your car,
use the car and vice versa on their policy unless
they list you.

Speaker 1 (01:44:21):
Anyway. We got more coming up on The Troubleshooter Show
three oh three Martino three O three six two seven
eight four sixty six. Get your calls in for problems,
questions and complaints. Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't pay a cent
until you're content. Please time for an insurance check up

(01:44:45):
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 (01:45:04):
Yeah, ripped up.

Speaker 1 (01:45:11):
News need advice so you don't have to.

Speaker 11 (01:45:16):
Come running just as as as we can.

Speaker 3 (01:45:20):
Show Shooter's gonna help.

Speaker 5 (01:45:22):
Come Man Dix is the Troubleshooter Show. No Tom Martine, Hello.

Speaker 1 (01:45:37):
Tom Martino here, Welcome to the show. I've been here
forty five years, solving your problems, answering your questions, taking
your complaints. Longest running radio show with the same host
still on the air, and we love what we do.
So give us a call if you have a problem,
a question or complaint, or someone's lying to you, cheating you,
or ripping you up. This is the only place in
media to really talk about those everyday aches and pains.

(01:45:59):
So I got Brian Burns with me insurance. We're talking
insurance today, and one of the things we talked about
for sure is the problem with condos and townhomes. In fact,
Frank durand the real estate man, he'll tell you that
condos and town homes stay on the market longer and
a harder sell. Many people have overpaid. Prices are coming down.
It's a shame. One of the reasons is the cost

(01:46:21):
of insurance. It has become almost cost prohibitive. Some townhomes
and condos are forced to be self insured, meaning that
they have to put up their own money when it
comes to hell damage. Now they're not uninsured for all things.
Normal insurance is fine. It's the roof coverage that's killing it, right,
Is that really what it is, Brian, the roof coverage.

Speaker 6 (01:46:44):
It's really the special assessment.

Speaker 1 (01:46:46):
Yeah.

Speaker 6 (01:46:46):
So it's the roof coverage, yeah, exactly, which ends up being.

Speaker 1 (01:46:50):
Such a big deductible that they have to assess the owners. Yeah.

Speaker 6 (01:46:53):
And the Hays have no control over this. The insurance
companies that will ensure these hoas'll not do it. They're
they're requiring five to ten percent deductibles of the dwelling limits.

Speaker 1 (01:47:05):
So so that could be a million dollar deductible easily.

Speaker 9 (01:47:09):
Yeah.

Speaker 6 (01:47:09):
I mean with these big unit these big complexes, it, yeah,
it can be so much betere each individual unit. Can
you can divide it out. If you know how many
units are in your hoa and you know what that
deductible is, figure it out and it will tell you
what your exposure is. And many people have exposures that
are twenty five thousand or even up to fifty thousand dollars.

Speaker 1 (01:47:31):
Some condo policies I hear are ensuring.

Speaker 4 (01:47:35):
The condos.

Speaker 1 (01:47:38):
Except for the roof in other words, zero roof coverage,
but everything else is covered, all the normal stuff.

Speaker 6 (01:47:45):
Yep. Yeah, I've seen stuff like that as well. It's
just the roof is difficult because that means you need
to change your policy to something that is more of
a home insurance policy versus a condo insurance policy, and
you just have to know to do that.

Speaker 1 (01:48:00):
And you can only do that if you're in a
town home type thing, if you don't have a demised
roof that can be attributed to your unit. I wonder
if they would make top floor people insure roofs where
the bottom is or the middle time.

Speaker 6 (01:48:14):
How would you do that? I don't know. I just
don't know how you do it on a condo townhomes.
I see them doing it all the time.

Speaker 1 (01:48:20):
Now where I hear there are some companies not even
in They won't even ensure condos or townhomes anymore. Is
that true?

Speaker 6 (01:48:28):
Do you mean the hoa itself, the actual Yeah, I
mean it's harder and harder we when we do it,
you usually have to go to the access market, in
other words, the non admitted market, So especially with older units,
there's not very many standard carriers or admitted carriers that
will do it anymore.

Speaker 1 (01:48:46):
So anyway, this is insurance. We're talking, and we're doing
insurance checkups.

Speaker 4 (01:48:51):
They do them all day, every day.

Speaker 1 (01:48:54):
Three oho three nine nine six nine thousand.

Speaker 4 (01:48:56):
That's where you call them.

Speaker 1 (01:48:57):
You tell them what you have, and they tell you
what's out there on the market. It's completely objective. They
don't have They don't lie to you to try to
get you to you know, it would do them no good.
If you're paying four grand and they say we can
beat it, then you'd have to pay less than four
grand or.

Speaker 4 (01:49:13):
Get better coverage.

Speaker 1 (01:49:14):
Right.

Speaker 4 (01:49:15):
That's so comparisons are never a bad idea.

Speaker 1 (01:49:18):
Do you have any examples?

Speaker 6 (01:49:19):
I do?

Speaker 4 (01:49:20):
Okay, go ahead, okay.

Speaker 6 (01:49:21):
So it looks like someone called in and they had
a policy that was being non renewed with American National.
I don't know if you've heard of American National. Not
a big presence, but they are pulling out of the state.
So we have gotten a number of calls from people
that are with American National that are getting a non renewal.

(01:49:42):
This particular person had an older roof and so that
makes it way more difficult. But we were able to
find an option with Safego and we were able to
give them a quote for auto home and umbrella and
actually saved them money from what they're paying and got
them replacement costs on the roof. So they were ecstatic

(01:50:06):
to say the lease, there's another one here, that it's
a state farm. They only had twenty five percent extended
replacement costs, which means on their dwelling limit, whatever their
dwelling was listed at, they're willing to go twenty five
percent over in the case of a total loss. We
got them uncapped coverage. They had only one hundred three
hundred for liability. We got them a higher limit and

(01:50:28):
added an umbrella and saved them thirteen hundred dollars.

Speaker 4 (01:50:31):
Oh my god.

Speaker 1 (01:50:32):
So they're saving more than one hundred bucks a month
and have an umbrella policy and way way better coverage.

Speaker 6 (01:50:37):
Yep.

Speaker 1 (01:50:38):
Oh people, you know this kind of stuff. Look at
you gotta do it. And they're standing by right now
for it. Three oh three nine nine six nine thousand.
Three oh three nine nine six nine thousand. I mean,
no matter how you look at it, it's it makes
a lot of sense.

Speaker 4 (01:50:54):
It makes total sense.

Speaker 1 (01:50:56):
Now, somebody said, I'm confused about teenagers living at home
at what point. First of all, does my insurance company
even find out about them.

Speaker 4 (01:51:07):
And you're at home of driving age.

Speaker 1 (01:51:11):
If they don't have a driver's license, do I still
have to ensure them.

Speaker 6 (01:51:14):
No, if they're not licensed, they're not operators on the vehicle,
so you don't let the list they are licensed drivers.

Speaker 1 (01:51:21):
Even if they never drive my car, I still have
to cover them.

Speaker 6 (01:51:25):
Well, if they're licensed, yeah, they're going to want The
point is if they ever drive the car and there
is a claim, you're just you're rolling the dice of
whether or not you would have coverage in that case
because it's a material change and your policy states that
you have to inform insurance companies of material changes.

Speaker 1 (01:51:42):
Here's somebody, a divorced couple. They say they live with
me half the time and then with half to and
the father half the time, which one insures them.

Speaker 6 (01:51:51):
Here's what I do with those circumstances. I will usually
put the ex wife x husband or whatever with the
same carrier and then communicate with underwriting. And then they
only make you list them once because they're with the
same company.

Speaker 1 (01:52:05):
But we're with husband and wife won't go to the
same carrier, I know. Will they each have to carry
coverage for the kid.

Speaker 6 (01:52:11):
Both insurance companies are going to want to have them
listed on their policies. Now I would make them to.

Speaker 1 (01:52:17):
Say the kids covered by his dad's plan.

Speaker 6 (01:52:19):
But if not covered up. So in other words, the
insurance company, let's say the wife's insurance company, is going
to come back and say, well, I don't care if
they're insured over there. If they drive your car, we
have to pay for it. So we have a higher exposure,
but we're not getting premium for it.

Speaker 1 (01:52:35):
Wow. So this is if you're a husband, if you're
a divorced couple, this.

Speaker 6 (01:52:40):
Is one of those times it's smart to work together.

Speaker 1 (01:52:42):
You work together to try to get the same carrier
and only list the child once.

Speaker 6 (01:52:47):
Yep, exactly.

Speaker 1 (01:52:48):
Wow. Okay, somebody else says, I heard though they have
their own car, we don't have any of those problems.

Speaker 6 (01:52:54):
I don't know. You mean they own their car.

Speaker 4 (01:52:57):
No, If the kid has their own car, well.

Speaker 6 (01:52:59):
There's still the issue that we were talking about before break.
If they have their own car, they own it.

Speaker 1 (01:53:04):
And so you ensure it. You know, let's just say
they're assigned to that car all the time.

Speaker 4 (01:53:11):
Can't you assign them to a car.

Speaker 6 (01:53:13):
It still makes an effect on your whole policy because
they're operator on your policy. Okay, So because and the
rationale to drive occasionally.

Speaker 1 (01:53:21):
Okay, right now, my daughter, the cars are in my name, yep.
My daughter doesn't live with me. Okay, I live apart
from her. My son is a way at college. Do
I have to ensure both of them is still under
my policy? I'm not talking about under their own cars,

(01:53:42):
but under you're saying, because they're on their cars and
I own them, they have to be on all my cars.

Speaker 6 (01:53:47):
Well, they're on your policy, and the policy goes over
all your vehicles. So when you add a young driver,
even if you're assigning them to a specific car, it
has an impact on your total policy.

Speaker 1 (01:53:59):
If I sign the cars over to them, would it
make a difference, Well, if they're not living with me, right,
and they have cars in their own name.

Speaker 6 (01:54:07):
If they're not living with you and they own their run.

Speaker 4 (01:54:10):
Kids at college?

Speaker 1 (01:54:11):
Right and one kid is not living with me, she
lives in her own place, you know, and I'm living
somewhere else, what then want?

Speaker 6 (01:54:18):
Well, then you can if you want to sign that
car over to them, transfer title and they're not in
your house, have them get their own insurance.

Speaker 4 (01:54:24):
Whether their insurance will be higher though than.

Speaker 6 (01:54:26):
If that doesn't usually save money. That's the thing. So
because depending on their age, at certain points of course
you do that. But let's say I have people will
call and say that they're sixteen year old, they've signed
their car over to their sixteen year old. They want
to get their own policy, and I explained to them,
getting insurance for a sixteen year on their own is
so much more than if you just add them onto

(01:54:48):
your policy. Okay, So it just there's not a way
to kind of like beat the system on this one.

Speaker 1 (01:54:55):
All right, If somebody wants to know about an EV vehicle,
are they more to ensure or less?

Speaker 6 (01:55:01):
Depends on what EV vehicle you're referring to.

Speaker 1 (01:55:04):
Hey, wait, what do you mean by that?

Speaker 6 (01:55:05):
Well, so Tesla's are more expensive to ensure because if
something happens to them, there's not a bunch of parts
out there. But what about well, Hyundai is I'm saying
like a look.

Speaker 4 (01:55:17):
Kiya, what about other evs?

Speaker 6 (01:55:20):
They're What I'm saying is they very well might have
more availability for repairs than what a Tesla. You have
to go to a Tesla shop to have it repaired,
so so you're to do it? Are more? Oh yeah,
Tesla's are expensive. They are. They are quite a bit more. Now,
I like the Model Why and some like what you're

(01:55:42):
referring to. There's so many more of them out on
the market that parts are a little bit easier to get.
But some of them, like the X, you know X,
or even the cyber trucker and those kind of things,
they're expensive to.

Speaker 1 (01:55:54):
Ensure twice as much as the regular car of their
vat what yeah, what So if you take like my SUV,
if I got an X as opposed to the Beamer,
I could pay twice as much.

Speaker 6 (01:56:09):
Maybe not for a BMW because BMW's are very expensive
to repair as well. But let's say you're talking about
something that is like a Hyundai and then you're talking
about the Model X. Part of that is the cost
itself is okay, So you know.

Speaker 1 (01:56:26):
Yeah, man, I'll tell you it's getting to be pretty difficult,
pretty difficult.

Speaker 4 (01:56:30):
As far as.

Speaker 1 (01:56:33):
Insurance in general, are there any states more expensive to ensure?
And if I own a home in another state, can
I live part time? They're talking about splitting their residency
and then ensuring in the cheaper state.

Speaker 4 (01:56:48):
Is there such a thing as doing that.

Speaker 6 (01:56:50):
It just matters where you're registering the car. So you
have to ensure it where it's registered, and the state
will require that. Like if you went to Colorado. You
register your car in Colorado and you go to the
DMV to register it and you have Arizona insurance and
they're going to say, Nope, you've got to have Colorado insurance.
Same thing, but.

Speaker 1 (01:57:08):
You're in Arizona, Arizona for a few months out of
the year, if it's registered.

Speaker 6 (01:57:12):
If you have a house there, and they're allowing you
to register the car there, then there's no problem getting
insurance in Arizona.

Speaker 1 (01:57:17):
That's fine, okay, okay, three oh three seven one three
talk seven one three eight two five five.

Speaker 4 (01:57:25):
We got more right after this.

Speaker 1 (01:57:26):
I want to tell you first about renew home innovations.

Speaker 4 (01:57:30):
Somebody asks about that again.

Speaker 1 (01:57:31):
They do complete showers, Okay, they replace the tub and
the shower combo for that beautiful one I talked about
with porcelain walls. They're absolutely fabulous, and you have years
to pay or months in several months, maybe more than
a year without interest.

Speaker 4 (01:57:49):
They do them in two or three days. That's how fast.
But they're custom made.

Speaker 1 (01:57:53):
Renew Home Innovations dot com three oh three nine zero
four to two thousand. Go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Time for an insurance checkup free,

(01:58:15):
no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now
three o three seven seven to one. Help. You'll think
you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two.

Speaker 4 (01:58:35):
Hi, I'm Tom Martino. You're a troubleshooter.

Speaker 1 (01:58:37):
We're with Brian Burns from Compass Insurance Group, and I
do have some texts. One guy says, anyone I give
my keys to with a valid license is insured and
covered by my policy. So he's saying that, really, you
don't have to have insurance for your kids.

Speaker 6 (01:58:58):
Yeah, So what he's probably referring to is permissive use,
which is what your insurance hold. She has permissive beings
anybody I get permission to drive my car?

Speaker 1 (01:59:07):
So why do I insure my kids.

Speaker 6 (01:59:08):
In because there's a caveat to that. There is language
that states that that does not apply for household members.
So if someone is a member of your household, they're
considered to have regular access to your vehicle. So if
you do not list them, you will not have coverage.
So you can't just say, Okay, I'm going to get

(01:59:29):
auto insurance and now this will cover anybody I let
borrow my car. It's true, as long as they are
not regular, they don't have regular access.

Speaker 1 (01:59:38):
So, Sarah, the guy who keeps texting me, you're more
wrong than you are right, he says, can't my daughter
be occasional driver? Yes, if she's not living with you,
and especially if she has her own car.

Speaker 4 (01:59:51):
Well, that's not what we're talking about, you a whole.
That's not what we're talking about.

Speaker 1 (01:59:55):
We were talking about kids living in your household, or
people in your household, any adult part of your household.
They can't be occasional users. Okay, So don't bother me
with your bogus questions and then change your question. If
your daughter doesn't live with you and owns your own car,
that's a totally different scenario. Of course, Now he says also,

(02:00:16):
you don't have to own a car to be insured. Okay,
I don't know who said you had to, but I
think one way along the line you said you have
to have If they want to have insurance in their name,
they have to own the car.

Speaker 6 (02:00:28):
So the way it works with insurance, especially for let's
be specific physical damage coverage, so damage for coverage for
the vehicle itself, collision and comprehensive, you need to have
an insurable interest in the car, meaning you have to
have some sort of ownership of the vehicle.

Speaker 4 (02:00:46):
You have to You can't just ensure a car.

Speaker 6 (02:00:50):
You can do what's I let's say you're just looking
for liability. You can do a non owner's policy if
you don't own the car, but those are limited to
vehicles that you don't have regular access to. So if
you have regular access to the car, that a non
owner's insurance policy, which means I'm borrowing people's cars and
I just want to have coverage or I'm renting, you
can try one. You can do that, but if you

(02:01:12):
have regular access to a vehicle, then that doesn't apply.

Speaker 1 (02:01:16):
So when would someone buy what's called non owners.

Speaker 6 (02:01:19):
They rent cars all the time, they go and rent vehicles,
and they just they just want they don't have to
buy the insurance from the rental car. That for for liability,
you can get that, but it doesn't cover the car.

Speaker 1 (02:01:31):
I remember years ago when I used to trade with
dealers for use of cars I had. I believe I
was covered for not cars I didn't own.

Speaker 6 (02:01:41):
Yeah. So but if you were driving the vehicles, and
let's say, and you had them for right, No, then
it wouldn't wouldn't apply.

Speaker 1 (02:01:50):
It's like if you take change out cars every few days.

Speaker 6 (02:01:53):
Yeah, So it's kind of almost like a dealer has
that kind of cover it.

Speaker 1 (02:01:56):
That's right, all right.

Speaker 4 (02:01:58):
So Bill has a car I met on insurance, Go
ahead Bill.

Speaker 22 (02:02:03):
When my son was younger, he got in trouble drivewise.

Speaker 4 (02:02:08):
How did he get in trouble? Was it a dui?

Speaker 22 (02:02:11):
Yes, yeah, okay, And so when he was still living
at home. So they were trying to do that stuff
with issuing on my policy, and all I did was
I signed the PaperWorks, but I don't remember for sure
to exclude him right exactly?

Speaker 1 (02:02:30):
Yes, yeah, you can. You can actually exclude a driver
with a special affe of David.

Speaker 4 (02:02:36):
But some companies I heard don't allow.

Speaker 6 (02:02:38):
That, Oh I don't. I can exclude a driver. They
won't always do spousal exclusions, but they will allow you
to exclude your kid. They will, but you just have
to know if anything happens and you get sued because
of your kid's no coverage.

Speaker 4 (02:02:53):
No, so Bill, thank you very much.

Speaker 1 (02:02:56):
You're right. You're right, Bill, you can you can exclude people.
Did you have anything else?

Speaker 4 (02:03:01):
Bill?

Speaker 1 (02:03:03):
Okay? Three zho three seven one three talk seven one
three eight two five five. So here's the thing when
it comes to insurance, somebody wants to know, uh, what
happens if you are if you have an umbrella policy?

(02:03:25):
Does that ever help in any of these cases?

Speaker 6 (02:03:27):
Well, for an umbrella policy, it has to have underlying limits.
So an umbrella policy is just there to extend over
and beyond what your underlying auto and home insurance have.
So if for most umbrella policy, you have to have
at least two hundred and fifty thousand dollars of liability
per person for that additional amount to extend, usually a million,

(02:03:51):
but it could be two million, three million, four you
know on up. So the umbrella will require you to
have that if you don't have the underlying requirement Let's
say you only have one hundred thousand and you have
a loss. You're gonna have to pay that gap to
get you up to two hundred and fifty thousand before
that umbrella will step in.

Speaker 1 (02:04:08):
All right, So umbrella is not a panacea. You have
to have underlying coverage. It's not like a cheating way
to be covered.

Speaker 6 (02:04:16):
No, it's just to give you extra coverage that you're
underlying policies.

Speaker 1 (02:04:20):
Mans something in your years of doing stuff. Yeah, are
there any hacks that you know they call them hacks?
I don't like that word, but for saving people money?
Are there are there any techniques you've come across that
can save money?

Speaker 6 (02:04:32):
Here's what I would say. For home insurance, let's say, Yeah,
I would tell you that I would go with a
carrier that offers the maximum amount of extended replacement costs.
We were talking about that earlier. A lot of policies
like staf farm only offers let's say twenty five percent
or twenty percent. So if you're dwelling limits one hundred thousand,

(02:04:53):
they'll go up to one hundred and twenty in the
case of a total loss of condoments, just to make
it easy for contents no, no, I'm talking for the
dwelling I'm sorry, I'm ready for the dwelling limits to
rebuild your house.

Speaker 4 (02:05:03):
Oh I see, I see, I see.

Speaker 6 (02:05:05):
Yeah, so if your dwelling limit isn't enough, they'll go
over twenty percent.

Speaker 1 (02:05:09):
Yeah.

Speaker 6 (02:05:10):
The hack, if you would call it, would be get
a carrier that will do one hundred percent extended or uncapped.

Speaker 4 (02:05:17):
Which it's hard to find me replacement total.

Speaker 6 (02:05:20):
They'll do it now. The reason I say it's a
hack is because they have replacement cost estimate estimators that
you have to use. So you enter in all I
would enter in how many square feet, how many bathrooms,
how many stories, all that stuff. It comes back with
the value of what it would cost to rebuild. Right,
as long as I ensure it for what it says
it would cost to rebuild, I can put that uncapped

(02:05:43):
replacement cost or one hundred percent whatever.

Speaker 1 (02:05:46):
If inflation kicks in your cover.

Speaker 6 (02:05:48):
Or if they're estimate is low, the real rebuild cost
is it turns out to be more, which in any
ears all it will be.

Speaker 1 (02:05:56):
So you're saying those estimators are low sometimes.

Speaker 6 (02:05:59):
Oh absolutely, Now they're getting closer because they've been burned
too many times. But the point is if you're insuring
it for what they say, and you have a healthy
extended replacement cost, the onus is on the insurance company, right,
not the individuals. That'd be a way to be able
to have a little.

Speaker 1 (02:06:16):
Bit less all right, three O three seven one three
eight two five five. We have more coming right up,
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.

(02:06:36):
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. Hi Tom Martine

(02:07:05):
here THREEO three seven one three talk seven one three
eight two five five. So we have a lot of
insurance inquiries. Somebody wants to know the number for the
insurance checkup Atereal three nine ninety six nine thousand and
somebody said, what is the most expensive vehicle that you
know of to ensure. I would say the most expensive

(02:07:27):
would be like a Rolls Royce or something. Obviously, right,
it goes by the value of the car or does okay,
so what do you think it does?

Speaker 6 (02:07:37):
Go buy value of the car. So there's a lot
of insurance, a lot of vehicles that a standard company
won't even ensure once it gets over one hundred and
fifty thousand dollars. Oh, we all have to go to
a specialty company that really does like some of the
Bentley's and all of this. You're going to find that
those are with carriers like Chubb, Pure you know, okay, Berkeley,
those that specialize in high value homes and high value

(02:08:00):
But it is a component obviously of the value of
the vehicle. The other part of it is how how
much damage occurs when you do get into an accident,
but also how fast they go. So you're gonna I
would say something closer to you know, one of these
vehicles that can go zero to sixty and you know
under two seconds.

Speaker 1 (02:08:21):
Okay, those are the ones that I did also liabilise.
What would be the most expensive liability wise, I would
think the higher the performance.

Speaker 6 (02:08:32):
Higher the performance and how much damage they would they
would cause. So there's I know, and I'm spacing the name.
There's a vehicle that is almost like a tank. It
has my son would know the name of it right away.
But there they're five hundred, four hundred thousand dollars cars. Okay,
but they are like bulletproof. But if they were to

(02:08:54):
run into something, they are going to cost so much
damage that the liability portion of it is really high.

Speaker 1 (02:09:00):
Yeah, okay, okay, So but ev cars in general are
more expensive, you're saying.

Speaker 6 (02:09:06):
In general again, because they are the parts to repair
them are more difficult to come by more expensive. But
just the loss of use, the time that you can't
you can't get the car fixed in a you know,
adequate amount of time.

Speaker 1 (02:09:21):
And again, collision coverage is not required. Ever, uninsured motorists
is not required, which but really their.

Speaker 6 (02:09:30):
Collision is required if you have a loan, right, yeah,
by the lender. Yes, if you.

Speaker 1 (02:09:35):
Have uninsured motoris coverage or underinsured you you really should
have the limits that match your losses. In other words,
a lot of people just have it, but they don't
have enough limits because then there's not worth having. Because
the whole idea is that most people are either uninsured
or underinsured. Right.

Speaker 6 (02:09:57):
I find this more common than not, especially when people
are are like with a Geico, where they've done their
insurance themselves. Yes, what you'll see is they'll have let's
say two hundred and fifty thousand dollars of liability bodily
injury liability that covers other people. But they'll have twenty
five thousand dollars a coverage for uninsured motorists, which is
what covers you.

Speaker 1 (02:10:18):
That's right, and it covers you. What is it like
sixty percent? What is the percent of people driving without insurance?

Speaker 6 (02:10:24):
Oh, it's like thirty or forty percent. It's really high
in Colorado. So if someone is a thirty.

Speaker 1 (02:10:29):
Or forty percent chance, you're gonna have to use your
own coverage. Yes, so makes so what you're saying is
you're not don't cheap out on covering yourself.

Speaker 6 (02:10:39):
Right.

Speaker 23 (02:10:39):
The same with medpay, right you, Well, medpay is different.
It's for me, it's different. I know attorneys will push
really hard to have the highest limit of medical payments.
The problem with medical payments for me is that everybody
tries to get it. So if you get into an accident,
if you go to your health insurance. For instance, every
time you sign in, it's going to ask is this

(02:11:00):
result of a car accident?

Speaker 6 (02:11:02):
Because they want to get those.

Speaker 1 (02:11:03):
Can they make you pay use your medical payments.

Speaker 6 (02:11:06):
They'll file it for the insurance company and try to
take that medpay before you even get a chance to
If you get an ambulance, they're going to try to.

Speaker 1 (02:11:12):
Insurance will subrogate against medpay. I didn't think they could.

Speaker 6 (02:11:15):
They'll pay out medical payments a no fault coverage. So
if for some reason that the health insurance goes after
that insurance, that medpay they're going to try to get
right away. So but uninsured motorists they can't get to.
But because it requires, you know, going through the whole process.
But my point is uninsured motorists, you can't carry limits

(02:11:36):
of uninsured motorists higher than your bodily injury. It's not allowed, okay,
But why would you go less? And that's what people do,
at least match it, go as high as you can.

Speaker 1 (02:11:46):
Because and then this is something a lot of people
don't understand. Uninsured motors coverage and underinsured motors coverage is
pretend it's the other person and you're suing them. Yep, okay,
you would be suing them for the pain and suffering
and medical bills. You can go after the underinsured and

(02:12:09):
uninsured motorists for the amount they don't have. So that's
what you do, and they become your adversary. At that time,
your own insurance company becomes your adversary because they're going
to try to pay as little as possible in uninsured
and underinsured, and you're going to try to get as
much as possible. It's just like you're suing someone else

(02:12:31):
and they step into that someone else's shoes.

Speaker 6 (02:12:34):
You said it perfectly. It's basically you're putting insurance on
other people out there.

Speaker 1 (02:12:38):
Right.

Speaker 6 (02:12:39):
You are what you're doing.

Speaker 1 (02:12:40):
You are Now it doesn't cover like collision would cover
your car if it's finance, and if it's not, you
decide if you want to have collision. I would still
have collision on a car if it's reasonable, because who's
going to fix a car if it's wrecked. I mean
you're gonna have to buy a new one, possibly, So
collision coverage. People say, I don't have my loan, I

(02:13:02):
want to drop my collision. I don't think that should
be automatic. I don't think you should automatically drop collision
coverage just because you paid off your.

Speaker 6 (02:13:10):
No, not necessarily so the best way to do it.
And also they don't always reward you as much as
you think. So when we say collision, I'm referring to
collision and then also comprehensive. Of course, that's what's covering
pale damage and that kind of thing. So but you'll
find sometimes that if you drop your collision and comprehensive,
it only saves you three hundred dollars or.

Speaker 1 (02:13:33):
Something, you know what I mean. And then you even
brought out one figured it out. You even brought out
one time. I was telling you somebody they had an
old car, don't bother getting collision, and you said, why Tom,
if they have a cheap old car, it's going to
be cheap to get collision and that might be what
they need to buy another used car. This one is wrecked.
It's brilliant, it really is, because it was only like

(02:13:54):
one hundred and fifty or two hundred bucks for their
collision coverage, and that could get them enough money to
buy another car.

Speaker 6 (02:14:00):
Right, And where you really see savings on it is
when you have young drivers. If a car is older,
I almost always push them to go liability on that car,
and then we'll sign the young driver to that car.
To our point, Otherwise, it doesn't mean your other pulse.
The other cars aren't going to go up in costs,
but the savings on that one car is worth it.

(02:14:21):
They incentivize you to do it.

Speaker 1 (02:14:23):
All right, We got more to talk about, of course.
Three oh three seven one three talks seven one three
eight two five five. I want to talk about a
very interesting UH coverage and how it works. And I
got an issue that came up on buying salvage from
the insurance, and I really want to talk about that.
When you buy your total wreck, how do you evaluate it?

(02:14:46):
I did a social post on it. I want to
go over that right after this, go with a sure
thing Denver's Best roofer excel roofing dot com. You don't
pay a cent until you're content. Time for an insurance
check up free, no obligation. In comparison, call Compass insurance
paying too much your coverage at dozens of insurance companies

(02:15:08):
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. Hey Tom Martino here three

(02:15:30):
three seven to one three talks seven one three eight
two five to five. So I posted this on the
social media and on YouTube and read the rest. It
was about buying salvage. So a lot of people when
their car is damaged insurance, if it's older or even
a newer car, if it's extremely damaged by hail or something,

(02:15:52):
they'll say.

Speaker 4 (02:15:52):
We want to total it.

Speaker 1 (02:15:54):
And a lot of people love their car or the
damage they consider minor enough to fix, so they want
to buy back the car. So they offer you a
certain amount to total the car. If you want to
buy the car back from your insurance company, they give
you less money. So let's just say these are stupid examples.

(02:16:16):
But let's say they're going to settle with you for
fifteen grand, and you're thinking, I can't replace this car
for fifteen grand. I want to fix it. So you
say I want to keep the car, so instead of
fifteen they offer you nine thousand. Okay, I'm just giving
you numbers that aren't real. Okay. So people have asked
me in the past. How do I know if I'm

(02:16:36):
getting a good deal or not? And here's how you know.
This is a surefireway to know. Take the price of
the car that they're charging you. So let's say in
order for you to keep that car, your settlement check
will be ten grand. Okay, So now you got ten

(02:16:58):
grand that you're paying for that that I mean your
settlementses me, not your settlement check. You're giving up ten grand,
let's say, or you're giving up five grand.

Speaker 4 (02:17:06):
Whatever it is.

Speaker 1 (02:17:07):
Let's say you're giving up ten grand to keep car,
or you're giving up five grand to keep the car.

Speaker 4 (02:17:15):
That's what you call your cost basis before repairs.

Speaker 1 (02:17:20):
Now you add to it the normal cost of repair,
the normal cost of repair. So let's say you gave
up ten grand to keep the car, and the cost
of repairs will be ten grand. Now that's a total
of twenty grand. That price should equal should equal fair

(02:17:48):
market value of that vehicle minus about twenty to twenty
five percent. So if it's substantially more than fair market,
if the ten grand for the car you paid, you
paid insurance and the ten grand for repairs comes to
twenty grand, and those cars you can buy for fifteen,

(02:18:10):
you made a bad deal. But if those cars are
selling for thirty, you made a great deal. So you
add what you're paying for the car plus the cost
of repairs. It's that simple, and that gives you what
would be the normal retail of that vehicle. Then the
reason I say to take twenty to twenty five percent
off is because it's been in an accident. So that's

(02:18:34):
how you figure if you're getting a good deal. So
in your case or not in your case. In my case,
if it came to twenty grand to fix it, right,
you then take about twenty five percent off of that. Okay,
you could take twenty, but let's say twenty five percent.

Speaker 4 (02:18:52):
That's five grand.

Speaker 1 (02:18:53):
So that car you shouldn't pay more than fifteen for
that car, I mean should be equal to about excuse me,
not fifteen the normal price. So of that car selling
for twenty five, you take twenty five percent off of
that to figure if you're paying all right for the salvage.
You can find this post on Facebook, YouTube my LinkedIn

(02:19:17):
by the way Compass Insurance Group for their insurance inspection
their insurance checkups three h three nine nine six nine thousand.
We'll see you