The Troubleshooter 9-11-25

Episode Transcript

Speaker 1 (00:00):
Y'all RiPP dum need, So you don't have.

Speaker 2 (00:12):
Come run in just as stas as we can.

Speaker 3 (00:16):
Shoot's gonna help come Man.

Speaker 4 (00:19):
Dix is the Troubleshooter Show. No Tom Martino.

Speaker 5 (00:24):
Hello, I'm Tom Martino. Welcome to the show. Three oh
three seven to one three Talk is our local number,
and we have a three oh three Martino number that
I keep active getting called from all over the country
on that due to our outreach, our social media and
other things, and we invite people from all over as
well as our iHeartRadio app which puts us in the

(00:45):
lap of many many people outside of Denver, and we
welcome that. Of course, this show has long been nationally
syndicated on radio, and we welcome our podcast people and
people listening. And this is why it's important I have
three oh three martin you for that specific reason. You
might be listening on a treadmill at night, or going

(01:07):
to bed and listening some people do that. Or you
might be working out, or you might be driving in
your car. You might be listening to something that is
not live on the air, but you're listening to me.

Speaker 6 (01:17):
So here's the great part of this show.

Speaker 5 (01:19):
If you call three oh three Martino three oh three, six,
two seven, eight, four sixty six. Even if we're not here,
you can leave your number and we'll call you back
for the next show. So you see, this is the
only podcast slash radio show that can take calls anytime
of the day or night and then get you on

(01:42):
the next show. Why do we want people on the air?
People ask us that because we get a reaction when
we have people on the air. If you bitch and
moan on the air, people hear about it. A lot
of our listeners call the company saying, did you know
you were on the Tom Martino Show?

Speaker 6 (02:00):
And that helps.

Speaker 5 (02:01):
I'm not here to harass businesses. I'm here to build businesses.
I love building businesses. I built my own troubleshit or
network referral list Waveight Wealth Management, and I'm here to
build sponsors businesses when they treat people well and they
have what I call a function which is important. Like

(02:22):
Matt Stanford, for example, he's with me today and he
has Paragon Services. Matt is an advocate for homeowners and
business owners fighting their own insurance company. You see, he's
called a public adjuster. I don't like the term. I
wish we had another term for it insurance advocate or no, no,

(02:45):
not insurance consumer.

Speaker 6 (02:47):
I don't know.

Speaker 5 (02:48):
The reason I don't like the word public adjuster is
insurance companies use what they call independent adjusters, and sometimes
people feel a public adjuster works for the insurance company
because called public adjusters, and there's also independent adjusters. But
I want to explain it, and Alex, I'm going to
take your call first, and then we're going to talk

(03:08):
about the difference between independent adjusters and public adjusters and
what Matt actually does.

Speaker 6 (03:16):
And what that means to you.

Speaker 5 (03:18):
And I also want to get deep and dirty into
the insurance business. Truly, it's one of the few industries
that I hate, honest to God.

Speaker 6 (03:29):
Does it serve a purpose?

Speaker 5 (03:30):
Well, of course it does, but over the years it
is morphed into what I feel is an evil enterprise.
I mean that, I really mean that, by the way,
unless it's a mutual company, a mutual company owned by
the policy holders. And I'll explain that what a mutual
company is and how do you find them? So an

(03:52):
important show today, first, Alex, So Alex, start off the festivities.

Speaker 6 (03:59):
What is going on with you? Sir?

Speaker 7 (04:02):
Hey, Tom, thank you for having me on I've listened
for a long time, and you provide a great service
to the community. And I listened for a long time,
but never never needed to call in. And I'm glad,
you're glad you're here. I'm just kind of in my
wits end, quite honestly, with Viccinity and my new Xfinity
mobile program.

Speaker 5 (04:20):
Tell me about it. When did you sign up for
that program? When did you sign up for it?

Speaker 8 (04:25):
Yeah?

Speaker 7 (04:25):
They called me in June as an Exfinity Internet customer.
They gave me this screaming deal on an xsnity mobile
and after talking to the agent online, I was told
to go to the store because that was the easiest
way to get the transaction done.

Speaker 9 (04:38):
So when that was in June, in June, yeah, June, ye.

Speaker 7 (04:43):
And the promotion was basically, you know, the first line
was free, second line was twenty bucks. Any additional line
was forty dollars. We wanted to add a line for
our kids, as just like having a kid's online. There's
a lot of moving parts. There were, you know, phone
trade ins and rebates and a whole bunch of other things.
But my understanding was would be we'd begin in this great,

(05:04):
you know, great promotional deal to switch over from Verizon.
We were happy with Verizon coverage. But hey, you know,
a sweet deal is a sweet deal.

Speaker 1 (05:13):
And that's why I thought I was getting.

Speaker 7 (05:14):
But so far, you know, my bills have not been right.
I'm trying to get resolution on my bills.

Speaker 5 (05:20):
And okay, let's take a one step at a time.
I want to take just one step at a time.
You had you signed up in June and tell me
the first sign of trouble, the first sign of trouble.

Speaker 7 (05:35):
Well, so we paid significantly more in June at sign ups,
and I thought I was going to be paying.

Speaker 5 (05:42):
I was told, okay, did you get did you get phones?

Speaker 6 (05:45):
Did you get phones?

Speaker 7 (05:47):
We we did get phones. We had to, you know,
submit for rebate, which we did submit for rebate, and
we did get that rebate after going around and around
with the uh you know Xinity you know, okay, eight
incentive tracker programs.

Speaker 5 (06:02):
All right, So you had trouble, you had trouble from
the beginning.

Speaker 6 (06:06):
But what trouble still remains?

Speaker 5 (06:08):
What trouble can we help you with today?

Speaker 2 (06:11):
Yeah, my bills still aren't right.

Speaker 7 (06:13):
I've been build incorrectly the last two months.

Speaker 10 (06:17):
I've talked.

Speaker 5 (06:17):
Now, when you say they're not correct, Tell me what
you mean by that.

Speaker 7 (06:21):
Yeah, So my understanding, basedupon what everybody's told me, is
that I'm going to be paying like one hundred and
two dollars and sixty seven cents just for my mobile.
And so far I've paid one hundred and seventy dollars.

Speaker 6 (06:33):
I paid one.

Speaker 7 (06:34):
Hundred and forty eight. I paid one hundred and twenty two.
So the numbers are coming down, but they're still not right.

Speaker 6 (06:40):
What should it be? What should it be to be?

Speaker 7 (06:42):
To be one hundred and two dollars and sixty seven cents?

Speaker 9 (06:45):
Which is Now, where'd you get that figure? It's very specific?
Where'd you get that figure?

Speaker 11 (06:51):
Yeah?

Speaker 7 (06:51):
Two agents that I talked to on the on you know,
the call Ecnity billing help. Talk to two agents who
were both very helpful.

Speaker 5 (07:00):
Yeah, well, but did you do you have a contract
that says one hundred and two sixty seven anywhere in writing?

Speaker 1 (07:09):
No?

Speaker 9 (07:10):
No?

Speaker 5 (07:10):
So when okay, when was the first time when you
when you call up? Okay, here's how I do it.
I call up and say I'm looking into your service.
What would have caused for four lines and this many phones?
And blah blah, blah. Then they give me a price.
Then I say, can you shoot that to me in
an email or a contract or a DOCU sign?

Speaker 6 (07:29):
Then they send it, then I sign it.

Speaker 5 (07:31):
So do you have anything that memorializes the one O
two sixty seven memorialize I use in a weird way,
but that's used to mean etched, anything etched anywhere.

Speaker 7 (07:45):
I've got a couple agents. Tell me they're going to
send me email confirmations.

Speaker 6 (07:48):
And I will, so, Alex, what's to prevent them?

Speaker 5 (07:50):
And I, I'm sorry I interrupt you, but but I
know where you're going.

Speaker 6 (07:54):
You you've asked for it. But I'm going to say this.

Speaker 5 (07:57):
If we call them right now and give them hell
and say this for guy just wants to pay what
he expected to pay one hundred and sixty seven, What
if they say, well, that's not what he was supposed
to pay.

Speaker 6 (08:07):
What would you what would you come back with?

Speaker 7 (08:10):
Do you have a text and.

Speaker 6 (08:12):
You could go ahead?

Speaker 7 (08:13):
I know other than the several phone communications I've had
with them and the two visits to the store.

Speaker 5 (08:20):
You know, do they delineate on the bill what the
charges are for?

Speaker 7 (08:26):
They do break it out? And so the difference right
now is around forty dollars a month, and what and
what the data portion of the bill should be.

Speaker 9 (08:36):
There's an extra forty there's an extra forty for data.

Speaker 6 (08:41):
Yep.

Speaker 5 (08:43):
Okay, well we're narrowing that down. Deputy Doc is in
the studio today. How are you doing today, Doc Good?

Speaker 6 (08:50):
I'm here holding down the.

Speaker 5 (08:52):
Fort Tom Good and Doc, this sounds like a pretty
straightforward thing, but you may have problem. He did say
he has nothing to show one O two sixty seven.
Maybe you should send us a couple of bills that
Doc can put his hands on and give a call
over to Infinity Kachina. We used to have good people
over at Comcast slash Infinity.

Speaker 6 (09:13):
Do we still have them?

Speaker 12 (09:15):
I can ask Suz about that when she gets back.
But I remember that we had one definitely add Exfinity
yeah at one point.

Speaker 6 (09:27):
So okay, so does sum it up port.

Speaker 5 (09:30):
I'll get his info, okay, And I do want to
say something about how Infinity works. It's very, very weird,
and why they started a cellular network. It's it's really
it's really weird. So anyway, we will take this problem
and see what we can do for it, and then

(09:50):
we'll take your problem to see what we can do
for it.

Speaker 6 (09:53):
All you have to do is call us like Jerry
calls us. She'll be next.

Speaker 5 (09:57):
Then we have Mark Schamansky also on the line to
talk about home improvements the right Way, insurance repairs the
right Way, along with Matt Stamford.

Speaker 6 (10:06):
So it's a very very busy day. We love doing
what we do.

Speaker 5 (10:10):
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Speaker 6 (11:08):
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Speaker 5 (11:11):
You'll think you're his only customer when you choose Frank
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home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey, I'm Tom Martine. You're a troubleshooter.
Three O three seven one three talk seven one three
A two five five. Let me go to the phones

(11:33):
and Jerry, I'm going to tell you I haven't forgotten
about infinity cell phones.

Speaker 6 (11:40):
It's a genius, genius move.

Speaker 5 (11:42):
But we are getting someone on that that Steputy Doc
Jerry with a J Jerry, j J Jerry, what's going on?

Speaker 13 (11:52):
Hi?

Speaker 2 (11:53):
Thanks for taking my call?

Speaker 14 (11:55):
Well, I purchased gold get it all over the phone and.

Speaker 2 (12:02):
About fifty thousand and now how did you?

Speaker 6 (12:04):
How did you get the source for the gold?

Speaker 1 (12:07):
First?

Speaker 2 (12:09):
So I did my research.

Speaker 14 (12:12):
I thought I looked at three different companies and from
each one, I talked to each one of them. What
I found out is you never go with the nicest sky.

Speaker 2 (12:22):
Because I ended up going with the third one that
I picked, and he was a talker, and so.

Speaker 6 (12:30):
Tell me how did you find him? To begin with?

Speaker 5 (12:32):
Like, did you hear the commercials on radio or see
them on TV or online?

Speaker 6 (12:37):
How how did you get there?

Speaker 2 (12:39):
Yes, I saw them. I saw them online and then
one company actually had recommended them.

Speaker 6 (12:46):
Okay, got it.

Speaker 2 (12:47):
After I've my brother listens to you all the time,
he still find it. Told me to call you, and
he said, uh, you know, this is what you should
have done. When he started looking, he saw all the
red flags come.

Speaker 14 (13:00):
That algy internets. I used all kinds of fraud.

Speaker 2 (13:04):
To make them talk.

Speaker 5 (13:05):
Tell me, okay, now I want to dissect now I understand.
Now I want to dissect your information. First, When did
you buy the gold?

Speaker 2 (13:16):
So I bought the gold. It was it was July.
Excuse me, I think everything went through.

Speaker 6 (13:23):
August the seventh, in August of this year, of of
this year.

Speaker 2 (13:27):
The point, No, I'm sorry, I've got my timeline. I'm
looking for my timeline.

Speaker 6 (13:33):
We don't need to be that exact. Roughly, when did
you buy the gold?

Speaker 2 (13:37):
So about the latter part of July of this year.
I didn't get the this year, and I did, Okay,
I noticed that the gold arrived until about August.

Speaker 5 (13:49):
The second, when you say arrived, were you actually buying
gold nugget and not nuggets?

Speaker 6 (13:54):
But what do they call them? The the the bars
and coins? In form was your gold? What form was
your gold?

Speaker 2 (14:02):
There? They're the gold coins?

Speaker 5 (14:06):
And did they arrive and were they going to hold
them or were you going to take custody?

Speaker 2 (14:11):
No, because I did a self directed IRA. I just
took some money out of my TSP account and they
were on the phone. Because yes, okay.

Speaker 6 (14:23):
So wait a minute.

Speaker 5 (14:24):
So with your self directed IRA, where did the gold go?
Where is the physical gold?

Speaker 2 (14:31):
So it is in a storage at Intrust?

Speaker 6 (14:35):
And how do you spell that?

Speaker 2 (14:38):
E N R U S T.

Speaker 6 (14:41):
Is that who you bought it from?

Speaker 9 (14:44):
No?

Speaker 2 (14:45):
I actually bought it from Theeter.

Speaker 6 (14:48):
Gold Group, Cedar Gold.

Speaker 2 (14:52):
Charlie, Theeter Gold.

Speaker 15 (14:54):
Yes, yeah, like the.

Speaker 6 (14:55):
Tree Cedar Tree.

Speaker 1 (14:57):
Oh god, there's Miami there.

Speaker 6 (15:00):
They're on Miami. They're they're a Miami firm.

Speaker 15 (15:03):
They're they're uh yeah, okay, you know exactly what I said.

Speaker 5 (15:10):
Now the self directed Listen, I'm gonna tell you something.
They're dealing in securities when they do this, when they
when they start messing with your IRA and all that
they're held to a higher standard, and they can get
in a lot of trouble, a lot of trouble. You
have to know where to report them, and I'm going
to help you with that. But I need to know

(15:31):
what the trouble is. How much did you spend out
of your self directed.

Speaker 6 (15:35):
At IRA fifty grand? Okay and okay? And is the
gold within trust?

Speaker 2 (15:47):
It's showing on it's showing as gold, and the name
of the gold, which was really weird. I started looking
at all up, it's it's good gold, zelan mint red
lions one quarter ounce. I bought thirty two of.

Speaker 6 (16:05):
Those, thirty two quarter rounces.

Speaker 2 (16:10):
Uh huh, thirty two quarter ounces and when he quoted.

Speaker 14 (16:13):
The price out, well, it was like forty eight, eight
hundred and fifty three.

Speaker 2 (16:19):
But see I didn't think it was quarter it was
supposed to be announced.

Speaker 15 (16:23):
And then I noticed when I won't well, I don't
know why.

Speaker 9 (16:26):
Okay, I don't know all that. All I know I
want to ask some very straight questions right now.

Speaker 6 (16:32):
Is your gold.

Speaker 5 (16:34):
Is and trust the custodian for your gold? And do
you actually have gold?

Speaker 2 (16:43):
That's a good question.

Speaker 6 (16:45):
And you don't know.

Speaker 2 (16:47):
All I know is it's showing on the invoice with intrust,
But I don't know if that company did I look
at it. Does that when that company received it?

Speaker 6 (17:00):
Okay, so I'm not why.

Speaker 5 (17:01):
Are you even and again I'm trying to do this.
I'm trying to do this in a in a simple way.
Why did you even question it?

Speaker 6 (17:10):
To begin with?

Speaker 5 (17:11):
You have a self directed IRA? And who is the
trustee of your IRA?

Speaker 2 (17:18):
So the trustee is in intrust? Is this the storage?

Speaker 5 (17:23):
Well, if you had an IRA, you're not allowed to
buy gold unless you transfer it to a self directed IRA.

Speaker 6 (17:30):
So is that what intrust was?

Speaker 2 (17:32):
It?

Speaker 6 (17:32):
Was it both the custodian and the trustee?

Speaker 9 (17:37):
No?

Speaker 14 (17:37):
The trustee with Peter Gold, No, they can't.

Speaker 5 (17:40):
Be a trustee. They can't be a trustee and sell
you the gold.

Speaker 6 (17:43):
They can't do it. Who where where did you get
the money from your IRA?

Speaker 13 (17:49):
Right?

Speaker 2 (17:51):
Right from my TSP account?

Speaker 6 (17:54):
And they what kind of an encount is that.

Speaker 2 (17:59):
It is?

Speaker 15 (18:00):
It's a I've worked for the government.

Speaker 5 (18:04):
Okay, So you have a you have an IRA that
you started or a four to one K or something.

Speaker 6 (18:11):
Here, let me just explain this to people. I want
to I want to be very clear with people in
order to.

Speaker 5 (18:17):
Make investments with your retirement money.

Speaker 6 (18:22):
A couple things have to happen.

Speaker 5 (18:23):
And you may wonder why I'm going through all this
because Jerry, a lot of people are listening that do this,
and I want to make it clear the steps you
should have gone through. So if the money is in
a four to one K or if the money is
in an IRA, it must then be transferred to an
independent trustee that allows alternative investments. So it goes from

(18:46):
your qualified account to an independent trustee who allows you
to invest it. But you're not allowed to invest it
with the independent trustee.

Speaker 6 (19:00):
Nor with anyone that you know.

Speaker 5 (19:02):
The requirements to invest qualified money are first, you can't
know them and have any control over them. They must
be totally independent from you and totally independent from the
independent trustee. So you took your money from your far

(19:23):
one K and you put it in an IRA. Where
where did you put it?

Speaker 2 (19:30):
Well, it would have to be the in trust because.

Speaker 5 (19:33):
The okay, all right now, now now you're you want
to say something, go ahead, Deputy d help me out.

Speaker 1 (19:39):
It looks like intrust.

Speaker 13 (19:41):
Uh.

Speaker 1 (19:41):
So here's what they do.

Speaker 16 (19:42):
They provide account administration services for self directed retirement of
the trustee that yeah, and so she bought the gold
from Cedar.

Speaker 5 (19:51):
Cedar apparently transferred it to in Trust, which is the custodiam.

Speaker 1 (19:55):
Yeah, and so they're going to keep her physical gold.

Speaker 6 (19:57):
Got it now?

Speaker 5 (19:58):
En Trust has fiduciary responsibility to you, and they can
get in a lot of trouble if that gold is
not there. Well, of course, if they never got the gold,
they're not to blame. But Cedar Gold is dabbling in
what could be a security.

Speaker 6 (20:15):
So do you have any.

Speaker 5 (20:18):
Reason and gonna I'm gonna help you, But do you
have any reason to believe your gold is not there?

Speaker 2 (20:26):
What I believe is they bought junk gold. I think
it's worthless.

Speaker 5 (20:31):
Okay, so you pay you think you paid too much?
Hold on, we'll examine that and I'll take your other calls.
This is really important and it just so happens. I'm
a registered investment advisor representative with my own company and
I know about.

Speaker 6 (20:44):
This stuff, and I got to tell you something.

Speaker 5 (20:46):
The good news, Jerry, there is a lot of enforcement
when it comes to this kind of stuff. So that's
good news. I'm hoping you don't have to use it,
but we're going to talk about it. Plus we still
have insurance to talk about as well. We are very
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(21:33):
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three O three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand
the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen
twenty two. Hi Tom Martine here, Welcome to the show.

(22:02):
We do have some guests we'll be getting to. But
these are important problems and questions. So Jerry, I want
to recap real quick. So your independent trustee is en
trust and trust should give you statements and should be
at your disposal and answer every single question you have
about your gold investment.

Speaker 6 (22:22):
Now, here's what's interesting. You go from a.

Speaker 5 (22:25):
Qualified account to an independent trustee who allows investments, and
then and then you go out and buy the investment.

Speaker 6 (22:33):
It's sent to your trustee.

Speaker 5 (22:35):
So if your trust, your trustee had to approve Cedar
before you did it. So did Cedar suggest end trust
or did en Trust suggest Cedar?

Speaker 6 (22:46):
Which way was it?

Speaker 2 (22:49):
Caater recommended end trust?

Speaker 6 (22:52):
Okay?

Speaker 2 (22:52):
On the it's under in trust, but it does Precious
Metals Delaware Depository, Delaware. Yeah, on the address.

Speaker 5 (23:01):
Yes, and then FBO for the benefit of you. Yeah,
I know how they're set up. But here's what I
need to know, Jerry, So you do all of this?
What even possessed you to start looking into the quality.

Speaker 6 (23:16):
Of the gold?

Speaker 1 (23:19):
So I.

Speaker 2 (23:22):
Got onto the interest site because I had to look
at it everything, right, got it? They were on my
account as third party, so they could go in and
look at it whenever they wanted.

Speaker 9 (23:33):
You.

Speaker 5 (23:33):
Well, yeah, they're your trustee, they're your trustee.

Speaker 15 (23:38):
Okay, So.

Speaker 14 (23:42):
Did I stay on that to look at my that's right?

Speaker 6 (23:46):
Yeah.

Speaker 5 (23:47):
In fact, Jerry, I'm assuming, I am assuming you did
it this way, but I don't know anything about Cedar
or anything about and Trust, And for all I know,
you could have made a withdrawal and taxes are due.

Speaker 6 (24:03):
I don't know how you did it. I mean, did
you do what was called an.

Speaker 5 (24:07):
In service distribution to en Trust and then en Trust purchases.

Speaker 6 (24:13):
The gold that's the way it works. Or did you
go to Cedar and buy the gold and then transfer
it to en Trust. You may have done it all wrong.
I don't know how you did it, and I don't
know the quality of the investment, right.

Speaker 2 (24:27):
So I went to Cedar Gold. They said, oh, you
can use to store it. We use in trust. They're
very reputable and I looked them up and they have
a lot of people that use them that were reputable people.

Speaker 5 (24:45):
So why do you have Why are you having second thoughts?
That's the part I don't understand.

Speaker 2 (24:50):
So I look, I go on to I sign onto
my Intrust account. The cost basis was fifty thousand dollars.
My market value is twenty nine.

Speaker 6 (25:01):
Thousand, Okay, and that's what you call investing.

Speaker 2 (25:07):
Okay. Okay.

Speaker 6 (25:09):
Gold has gone up and Deputy D.

Speaker 5 (25:11):
Deputy D wants to talk about this too. But let
me explain this to you. Even if gold went up
and you have less money. In other words, if they
bought crap. See that's the part about independent investments with
your IRA money. The quality of the investment is not evaluated,
only the legality of it. If it's legal, meaning you

(25:34):
can buy gold, you can buy a rental, you can
do this, you can't do that, But the quality of
the rental. For example, I have a program where people
move their retirement money into a trustee account that allows
them to invest in rentals. Then I put them together
in a rental with me. But the quality of the

(25:57):
rental is not control. I could take their money and
buy a piece of crap rental if I wanted to
cheat them.

Speaker 6 (26:06):
But it is a rental nonetheless. So your problem is
going to be this.

Speaker 5 (26:12):
If you overpaid for the investment, there's no law against it.

Speaker 6 (26:19):
Now there are fraudulent law. There are laws regarding fraud.

Speaker 5 (26:24):
If they lied to you about it, See, I don't
know what your situation was if they lied to you
about it.

Speaker 2 (26:33):
Yeah, so I asked them, I want it's a goal,
you know the zero point? No, no, no, is that pure?
And he said yes. So they told me they gave.

Speaker 9 (26:44):
Me all that, But what do you have in writing.
That's all that matters. What representations?

Speaker 2 (26:51):
So I have gold New Zealand, and why New Zealand.

Speaker 6 (26:57):
It doesn't matter what else? What do you have in right?
That establishes value?

Speaker 2 (27:04):
So it says gold New Zealand, mint red lion, one
quarter ounce from twenty twenty two. There's thirty two units
for forty eight thousand. This was the cost space. It's
forty eight hundred and fifty three. And then the market
price is nine to eleven and that added, and then

(27:24):
the market value was twenty nine thousand, one hundred and
seventy seven dollars.

Speaker 5 (27:30):
So you made you allowed them to make a bad
You made a bad investment.

Speaker 6 (27:34):
Now what did you want to say? D just unloaded?
Everything's on my mind right now.

Speaker 16 (27:38):
So she been doing a lot of research. Yeah, I
was just doing some going bath. You know, I have
a huge fascination with physical gold. Okay, So it sounds
like she was sold.

Speaker 6 (27:46):
Eighth hold on one one second jary hold on.

Speaker 1 (27:50):
So she was sold eight ounces of gold.

Speaker 6 (27:51):
That's right, eight ounces of gold.

Speaker 16 (27:53):
Now, back in July, the price of gold was roughly speaking,
thirty two hundred dollars an ounce, so eight times there
twenty five thousand dollars and she.

Speaker 6 (28:01):
Paid fifty she paid or forty eight R. Yeah, so
she overpaid by treble factor.

Speaker 5 (28:10):
She paid double. So, Jerry, here's the problem. Cedar Gold
was not a fiduciary to you. When they sell you something,
they can sell it to you at an inflated price.
They can't lie to you. But to prove that they
lied to you is going to take more than you
have invested. It's it's a really bad situation. Now, if

(28:32):
end Trust did this, they have a fiduciary responsibility to you.
They must maintain this in your best interest. I believe
because they're an independent trustee. I might be wrong on
the fiduciary, but they have a level of responsibility to
you to put your interests to make them important. But

(28:53):
end Trust is not the one that bought the gold.
You bought the gold from Cedar and sent it to
end Trust. Well, Jerry, I have to tell you something.
I would I would happily let one of my investment
officers look at your paperwork. But I have a sneaky
suspicion that what was done is probably legal and you

(29:13):
just made a bad decision. You trusted Cedar to put
you in gold at a decent price, and what they
did was doubled it. That is what I fear happened
with you.

Speaker 6 (29:26):
That is what I fear.

Speaker 5 (29:28):
And you should be pissed off when you call Cedar
and say, wait a minute, I paid twice as much
as market value.

Speaker 6 (29:36):
What do they say to you?

Speaker 2 (29:41):
No, you didn't. And I said, well, what do I
have in there? After I've already looked?

Speaker 6 (29:45):
And what do they say?

Speaker 2 (29:46):
He said, fifty three thousand.

Speaker 9 (29:49):
Okay, I want Deputy D to pars through this. Deputy
D has been doing a lot of reports.

Speaker 6 (29:54):
Deputy D.

Speaker 5 (29:54):
I'd love you to contact Cedar and find out why
her account she is showing twenty twenty nine grand and
they're showing fifty three. Hold on Jerry and we'll have
Deputy D look into this. Three O three seven one
three eight two five five. Go with a sure thing

(30:17):
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Speaker 6 (30:20):
You don't pay a cent until you're content.

Speaker 5 (30:23):
Wait time for an insurance check up, free no obligation
comparison call Compass Insurance paying too much your coverage at
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when you choose Frank durand the real estate man dot
Com to list your home with Remax Alliance three all
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Speaker 9 (30:50):
Hi Tom Martino, your troubleshooter three O three seven one
three eight two five five.

Speaker 6 (30:56):
Okay, So UH has an issue with a stolen car, Nathaniel,
what's going.

Speaker 15 (31:02):
On with you?

Speaker 6 (31:06):
Hey?

Speaker 11 (31:07):
So man, I got my car stolen last year. They
punched the lockout on my Trailblazer, and then I got
it back because I found it in my My brother
found it. He was pumping his tire up after he
got off work. It was in his parking lot.

Speaker 6 (31:26):
Wow.

Speaker 11 (31:27):
So fast forward, fast forward to last month. I went
to work one morning. I had to go to work
like seven, eight o'clock in the morning, and I got
off work at like four or five.

Speaker 7 (31:40):
I called the cops.

Speaker 11 (31:41):
They left me out there for about four hours.

Speaker 5 (31:42):
No wait, wait, wait, why'd you call the cops? You
didn't You didn't say what happened? You said last month?
You called the cops?

Speaker 11 (31:48):
Why because it got stolen again again?

Speaker 6 (31:53):
Holy crap? And it was stolen from your work parking lot.

Speaker 11 (32:00):
So I had I had it parks on the street.
I was down the street from that side three studios. Okay,
it was so I had came out and I called them.
They never came, so I just walked straight to the
police department. I made the statement, and then I think
like two weeks went by without hearing word back. And

(32:23):
I woke up that morning and I had a text
message from the police department saying that I needed to
pay two unpaid parking tickets, and I was like, that
was weird. Then my insurance company called me and finally
got my statement, because they never called me even to
get a statement. Before that, I had followed the insurance

(32:44):
just to let them know that.

Speaker 5 (32:44):
Were these unpaid parking tickets the people who stole it.

Speaker 11 (32:50):
So that's what I was trying to find out. But
it seems like the cops were saying that it was
just stolen, because once I went.

Speaker 5 (32:57):
To go okay, Nathaniel, Nathaniel, here's what I need to know.
When did this all happen? Like the latest one?

Speaker 11 (33:08):
This is last month, probably like five weeks ago.

Speaker 6 (33:11):
Okay, where does it stand today? Do you still do you?
Is your car still missing?

Speaker 11 (33:17):
So that was the crazy part. I just woke up
to a phone call from the Aurora Police Department saying
that Broomfield Police just said that they found my car abandoned,
but it should be right now currently in the York
Police in town, because that's where they told me it was.
When I went to go pick it up, they said

(33:37):
that I would need to pay them a thousand dollars
to get it out for the two one hundred dollars
parking tickets.

Speaker 6 (33:44):
But those parking tickets were when you didn't have it right.

Speaker 11 (33:49):
I got the parking ticket to day after I got
my car back from when my brother said it was
in this parking lot, so when I drove it back home,
which was crazy because the.

Speaker 5 (33:59):
Person, Wait a minute, what I need to know, Nathaniel,
Are those parking tickets yours?

Speaker 6 (34:04):
Or were they from the thief they gave me.

Speaker 11 (34:07):
They gave me the parking ticket in front of mine.

Speaker 5 (34:10):
Hold on one second, Hold on, go with a sure
thing Denver's Best roofer Excel Roofing dot com. You don't
pay a cent until you're content. Leave time for an
insurance checkup free, no obligation. In comparison, call Compass insurance
paying too much your coverage at dozens of insurance companies.

Speaker 6 (34:31):
Find Out Now three oh three seven seven to one help.

Speaker 5 (34:34):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot Com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 6 (34:49):
RIP so you don't have run in chess, as we can.

Speaker 3 (35:00):
The Shooter's gonna help Come.

Speaker 4 (35:03):
Dix is the Troubleshooter Show. No Tom Martino.

Speaker 5 (35:09):
Hello, I'm Tom Martino and I want to go right
to the phones and help you with your problems, questions, complaints.

Speaker 6 (35:13):
We also have some special guests today.

Speaker 5 (35:15):
We'll talk about insurance and we're going to talk about
it in something really creative. It is a fire assessment
review fire risk assessment review, which can get you lower
insurance premiums. This hour brought to you by One Clear
Choice Garage Doors. If you want beautiful garage doors, they

(35:36):
do them. They also do openers. They also do any
part of the door or opener, and all of their
prices are on their website. So the name of the
company is one Clear Choice Garage Doors. The website is
one clear Choice Doors dot Com. One clear Choice Doors
dot Com. Nathaniel's car was stolen, he got it back.

(35:56):
It was stolen last year, he got it back, was
stolen again, and he got notice of unpaid parking tickets.
And what's really weird it is to get his car
out of impound. The car was recovered from the theft,
but to get it out of inpound, he has to
pay those parking tickets.

Speaker 6 (36:15):
He said.

Speaker 5 (36:16):
The parking ticket happened at his house and they are
legit parking tickets.

Speaker 9 (36:23):
But now it's more than one thousand dollars he has
to pay to get his car out.

Speaker 6 (36:27):
Nathaniel is that it in a nutshell?

Speaker 11 (36:31):
So I never got a note. All I got was
the parking ticket the day after I got it stolen.
And then I also run music studios. I was at
my music studio and I got a parking ticket when
I parked out there because it was next to day.

Speaker 5 (36:44):
So, Nathaniel, I have a very simple question, and again
I'm not trying to be a wise guy, but why
didn't you pay those parking tickets?

Speaker 11 (36:53):
Well, because I didn't have the money. I had just
gotten my car bag and I wasn't able to work.

Speaker 6 (36:58):
Okay, how much were those parking tickets?

Speaker 11 (37:02):
Just one hundred dollars each.

Speaker 6 (37:04):
Uh huh? Are they willing to negotiate at all to
get your car back?

Speaker 11 (37:11):
Well, they weren't negotiating. They told me I had to
go on the website and I just had to pay
one thousand dollars. Wow. But that's not the crazy part.

Speaker 6 (37:21):
I wolla, what, that's not the crazy part. Wow.

Speaker 11 (37:26):
So the Auroral Police Department called me telling me that
it was found in Broomfield this morning, abandoned.

Speaker 6 (37:32):
Wait a minute, it was an impound, That's what I
was saying.

Speaker 11 (37:39):
So they were saying to me basically like it got
stolen from the impound, because it's not like they said,
it was sold to someone else. And it's going ben
in there for under a month, so what I don't
know what's going on. And they didn't really give me
any information. They said Broomfield was gonna call me, but
it's been like two hours now nobody's called.

Speaker 17 (38:00):
So they just moved it from one lot to another lot.

Speaker 6 (38:03):
No, he said it was stolen out of impound.

Speaker 11 (38:06):
Yeah, they were saying it's basically been abandoned, like somebody stolen.

Speaker 6 (38:14):
Did they say that it was missing out of impound?

Speaker 11 (38:18):
Never said that.

Speaker 6 (38:21):
God, we definitely have to make some calls on this one.
This is crazy.

Speaker 18 (38:26):
Don't they have a video camera on the on the
entrance to the lot recording which cars go in and out?

Speaker 5 (38:34):
They normally do they, especially in an impound lot, they
have cameras at the gate.

Speaker 17 (38:41):
Any other happenings that happened at that impound lot there
would be very shocking. If your car was the only
car that had any damager was stolen, Nathaniel, I.

Speaker 11 (38:53):
Don't even understand how they stole it because I had
a club. I put that new club where you can
put it around the break in and the.

Speaker 5 (38:59):
Wheel, And how did they even toe it with that
on there? I they can tell it, can't they? They
can just pick it up. What where was the impound lot?

Speaker 11 (39:13):
The one over on York in Denver?

Speaker 5 (39:16):
Do they admit right now? I just need to know
where it stands right now? Where is your car?

Speaker 6 (39:23):
There's in Broomfield and it was stolen from Broomfield and
brought back to Broomfield.

Speaker 11 (39:31):
No, it was stolen from downtown. I work downtown.

Speaker 9 (39:35):
No, I'm talking about from the impound lot. It was
in Broomfield when it was stolen.

Speaker 11 (39:41):
No, No, the impound well it's like Denver. It's still Denver,
over in York.

Speaker 17 (39:48):
I'm stolen from the Denver impound lot and it's now
in the other impound lot.

Speaker 11 (39:54):
I don't know if it's in an impound lot. Baby, Well,
they wouldn't.

Speaker 5 (39:57):
They wouldn't leave it on the street, Nathaniel. They wouldn't
leave it on the street.

Speaker 6 (40:03):
What kind of car is this going?

Speaker 1 (40:05):
No?

Speaker 6 (40:05):
This is crazy. This is crazy, man. What kind of
a car is it?

Speaker 11 (40:11):
It's a Trailblazer Chevy. What year eight? That's why I'm like,
I don't know why anybody would want to steal in eight.
It's got like two hundred thousand miles on it. I
replaced everything in and everythings over the transmission, But like,
why would anybody want this old car?

Speaker 5 (40:30):
Oh? Man, somebody does? I need to have someone make
some calls. I would like Deputy Bow to take this
and to call I want to find out first where
is this car? Will they give them a break because
of all of this crap on that parking stuff, because

(40:51):
those parking tickets he got right after he got his
car back, he was out of work. Let's let's give
this to Deputy bowl Kachino. Okay, let's see what he
can do if he can maybe get somebody to move
off Dead Center. Hold on, bro, We're going to get
you somebody. This sucks, This really sucks. I want to
talk to Mark Shamansky with Genesis tootal exteriors dot Com.

(41:16):
He often works, by the way, with Matt Stanford, who's
here from Paragon Services.

Speaker 6 (41:20):
What they do is Mark goes out.

Speaker 5 (41:22):
And assesses damages to houses from the roofing, siding, windows, doors,
decks and all of that, and then Matt negotiates with
insurance companies to get the consumers a good settlement. But
right now they're talking about some preventive measures they want
to take on Holmes, Matt, I mean, Mark, explain that

(41:44):
to us please.

Speaker 10 (41:46):
So we partner with Rocky Mountain Fire Abatement. It's a
company that comes out and surveys your property and gives
you a written report about what you can do to
lower the fire risk on the exterior of your home.

Speaker 11 (42:02):
Now, Louren, how.

Speaker 6 (42:03):
Many people though, how many.

Speaker 9 (42:05):
People have excessive risk though on the outside of their home.

Speaker 10 (42:10):
Well, what's getting crazy is like if you go up
into the foothills in like Evergreen and you know, downtown
Woodland Park, in these areas, insurance companies are canceling people
because the fire risk on people's homes, and it's it's
getting to be a big deal. In fact, there's a
new house built HB twenty five THAT'SH eleven eighty two

(42:31):
is going to make insurance companies going to force them
to tell them why they're canceling for fire risks and
what people can do to stop that.

Speaker 5 (42:39):
And so you're taking so you're taking proactive. So the
step let me let me get the steps right. So
they hire this company to do an assessment and then
you guys go out as Genesis.

Speaker 6 (42:53):
And you do the abatement.

Speaker 10 (42:55):
Yeah, they actually hire them through us. They you know,
they'll they'll call us. It's still one one phone call
to Genesis and we handle the whole thing for you.

Speaker 5 (43:04):
Okay, So you'll do the inspection and the abatement of
the fire.

Speaker 10 (43:09):
Risks correct and now the inspection currently is at five
ninety five five hundred and ninety five dollars and you
get a comprehence amdprint comprehensive report what needs to be
done your home to lower your fire risk score.

Speaker 5 (43:23):
When the fire risk is lowered, do they get better
insurance rates.

Speaker 10 (43:29):
That's something that is this is kind of new out there,
and so it's something that should help negotiate lower rates
for the insured.

Speaker 6 (43:37):
Correct.

Speaker 5 (43:38):
And the reason people would have this done, you know
as well as I do, Mark, there are a lot
of good things people should have done that they don't do.
What is the incentive for a homeowner to spend five
hundred and ninety five bucks to mitigate fire risk?

Speaker 6 (43:57):
Now that sounds almost.

Speaker 9 (43:59):
Illogical asking that, because it is that you lower your
risk for fire.

Speaker 5 (44:04):
But are there other incentives? Because insurance companies aren't.

Speaker 6 (44:08):
Demanding it, right do you think they may.

Speaker 10 (44:12):
Not right now, but they're talking about if this bell
passes in January, then they're you know, insurance company is
going to say, well, I'm going to cancel you unless
you do something like this like.

Speaker 5 (44:21):
This, Okay, So you're being you're being really proactive ahead
of the market saying, look, have this assessment done, have
us mitigate it, and then you'll have ammunition for insurance.
And I imagine this is more geared toward people in
the foothills and in the mountains.

Speaker 10 (44:40):
Yeah, and then you figure, you know Lewisville, look what
happened up there, and that was Wow, foothills and you
know that that was you know as Matt, Matt's there
with you, and that was just one of his biggest
claims ever, is that fire and that ripped through right
there in the foothills. And you know what could people
have done prevent their house, you know, from catching on fire.

(45:02):
You know, jacking is a huge part roofing. Applying fire coat,
fireproof toatings on your house can help reduce the risk.

Speaker 6 (45:11):
Also, are there roofs that have fireproof ratings?

Speaker 15 (45:17):
Yeah, so your Class A, you can get.

Speaker 10 (45:19):
A Class A shingle asphalt shingle that's you know, fire rated.
You can also obviously put metal lightweight concrete. And there's
also synthetic products, even one made here in Colorado called
c Door that is a Class one A fire rated
roof Hali impact resistant. It looks like a shake shingle,
but it's a phenomenal product.

Speaker 6 (45:41):
Okay, Matt, do you have anything to add to this?
It sounds like they're being very proactive.

Speaker 11 (45:46):
Yeah.

Speaker 9 (45:46):
I also think to mention for resale, if you're looking
at selling your house, that report would be pretty valuable
at the closing table.

Speaker 6 (45:53):
I would think, you know, you have a lower risk
for fire.

Speaker 9 (45:56):
And yes, the Lewisville fire that was not in a
wooded area apparly.

Speaker 6 (46:00):
But but here's what I'm saying though.

Speaker 5 (46:02):
Let's say Mark had this service back then, what would
he have told those homes that are out in the
middle of.

Speaker 6 (46:07):
Nowhere, they're not near trees or anything.

Speaker 5 (46:10):
Would he have said, Now, wait a minute, some members
might fly through the air and hit your roof.

Speaker 6 (46:15):
I mean, Mark, what would you have.

Speaker 9 (46:16):
Done in a subdivision like that that has no apparent damage?
I mean, excuse me, no apparent risk.

Speaker 10 (46:24):
I can say a short story that happened up there,
go here in the middle of We had just pulled
a permit to have a house demoed. I'm not a
house doing sorry, a deck demoed and rebuild a deck.
We demoed that deck, and then the fire started a
couple of days later. It went through and destroyed every
house in that neighborhood except for the one where we

(46:45):
demoed the deck. The reason that house didn't burn is
because the deck was gone. That's for the reason that
their house is starting fire, according to the fire department.

Speaker 6 (46:52):
Now, well, what can you do then to make What
can you do if someone does have a deck.

Speaker 5 (46:57):
It's a dried out deck. They lived near you're not
too far from trees. What would you do to that
deck other than remove it? What would you do to
make it less fire prone?

Speaker 10 (47:09):
Then you're going to rebuild a deck with steel or
aluminum framing and putting on the man made material. Consequently,
you're taking away the fire hazards of a deck with deck,
especially an old deck.

Speaker 5 (47:22):
I mean, this deck was twenty some years old, and
so it was you know, I think you know what
I think, Mark, I think you're so far ahead of
the curve. I think that someday, and I've said this before,
it will be mandatory that people have one of these
kind of kinds of inspections for potential risk of fire

(47:43):
because right now a lot of insurance companies are pulling
out of the foothills and the mountains.

Speaker 6 (47:49):
They won't even insure up.

Speaker 10 (47:51):
There, right So having one of those reports, you might
be to tell the insurance go and be okay, I've
done these steps. Consequently, in my house should be safe,
and you know you should relook.

Speaker 15 (48:01):
At my policy.

Speaker 6 (48:04):
Okay.

Speaker 5 (48:05):
Now, as far as this company doing the inspections, do
they normally do residential inspections or is this a new
endeavor for them too.

Speaker 10 (48:15):
They've been around for several years, and uh, it's something
that's popping up. And you know, because I live in
Evergreen and you know, in the Morris and in all
this foothills in Denver, it's popping up. The insurance company
to pulling out right and left, and you know, and
so this is a this is just something to.

Speaker 6 (48:31):
Add to you say.

Speaker 10 (48:32):
You know, we've done these things, and so please don't,
you know, don't cancel me, because we've done these things
in our house.

Speaker 6 (48:38):
You know could survive this, all right.

Speaker 5 (48:41):
And that's Mark Schamank Mark Schamansky from Genesis Total Seriors
talking about fire mitigation that they're doing. He also does
a lot of other things of course, of course construction
on the outside of the house, and he often does
insurance work because you know, he can do everything on
the outside of your house. You have one point of contact.
We'll be talking to him more. And I wanted to

(49:02):
talk more with Matt, who is a public adjuster, to
explain exactly what they do.

Speaker 6 (49:08):
I need to take this break, ry dragon.

Speaker 5 (49:11):
I'm a little overtime right here, so hang on, we'll
be right back 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. Please time for an

(49:31):
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 O three seven to seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three three nine
two zero sixteen twenty two.

Speaker 6 (49:52):
Hi, I'm Tom Martino. So what is uh? What is
an insurance adjuster?

Speaker 19 (50:01):
Well?

Speaker 6 (50:01):
I always joke about that.

Speaker 5 (50:03):
They originally and most of the time an insurance adjuster
works for the insurance company, and I jokingly say they
shouldn't be called adjusters, they should be called reducers, because
how often have you heard of an adjuster going out
to a home and increasing the claim? Like if a

(50:26):
contractor says this is wrong, or a roofer says this
is wrong, or someone a structural engineer says this is wrong,
the insurance company's adjuster's job, no matter what they say,
their job is to adjust it downward, not upward downward.

Speaker 6 (50:48):
Now they're going to deny it.

Speaker 5 (50:50):
But it's true because, as this famous quote from State
Farm one time in their board of directors and their
stockholders meetings, that our allegiance to stockholders.

Speaker 6 (51:01):
So they want to make money. Nothing wrong with.

Speaker 5 (51:06):
Making money, But insurance is one of the few industries
that literally makes money off of denying claims.

Speaker 9 (51:14):
The more they deny, the more they make. This goes
for health insurance as well.

Speaker 5 (51:18):
So an adjuster goes out and looks at the claim
and comes up with an acceptable amount that the insurance
company is willing to pay. When there are storms in
an area or fires, and they have a terrible time
getting to all of their customers. To do this reducing,

(51:40):
they hire what they call independent adjusters. All that means
is they're not a W two employee of the insurance company.
They're independent contractors, so they still work for the insurance company.

Speaker 6 (51:57):
Keep that in mind.

Speaker 5 (51:58):
Independent adjust usters work for the insurance company. Their sole purpose,
along with insurance adjusters who work with the company. Their
sole purpose is to go out and try to pay
as little as possible on claims. Now part of that
they're going to tell you, well, we're just trying to
keep the industry honest. Now that's what that's insurance's favorite claim,

(52:22):
especially when it comes to medicine. We had to have
managed care. These doctors were out of control. Yeah, a
lot of bull trap. Medicine got more expensive because of insurance,
more expensive, not less expensive. And what's really interesting is
if you talk to a doctor who delivers babies, he

(52:44):
didn't make They make it sound like he's robbing the bank.
But he's probably being paid now the same as he
got paid twenty years ago. Insurance is the only one
making money. So anyway, I digress. Let me just say
independent adjusters insurance adjusters. They work for the insurance company. Aha,
But what is a public adjuster? That's Matt Stanford. What

(53:08):
is a public adjuster? Man? That's not an insurance independent
adjuster or an insurance hired adjuster.

Speaker 6 (53:18):
It is hot. You are hired by the public, the
policy holder. I work for the policy holder.

Speaker 5 (53:25):
Okay, right, Why does the policy holder need you?

Speaker 9 (53:30):
I'll bet you the insurance industry says you don't need
a public Oh.

Speaker 6 (53:33):
I hear that all the time.

Speaker 9 (53:34):
You know, even people that have not filed a claim,
they'll call me and they go, well, I talk to
my agent first, and I had a hailstorm and I
talked about maybe hiring a public adjuster, and they told
me not to. And I said, well, I'm really glad
you called because I can walk you through this whole thing,
represent you and make sure that it runs as smoothly
as possible, as few headaches for you as possible, and

(53:56):
maximum payout in a fair way. I'm not in this
business take advantage of insurance companies by any means.

Speaker 6 (54:03):
I just want what's fair, and they don't. They really don't.

Speaker 5 (54:07):
I mean Mark gave an example at his house. He's
talked about it before. I forget what you did.

Speaker 9 (54:14):
Well, he was denied completely, and I came out and
I said, well that that that's just wrong.

Speaker 6 (54:19):
You have clear hail damage. So I fought him.

Speaker 9 (54:22):
It took a while, and I got him eighty grand
for his hail damage. This house a house. They offered
him zero and he ended up getting eighty grand. Right,
And you know, that's an example of what I call
the switch. Right, I reversed their determination. That's one way
to do it.

Speaker 6 (54:39):
The best way is just call me before you even
file the claim. Okay, what's the advantage of calling you
before you file.

Speaker 9 (54:45):
Well, number one people, The number one thing I hear
is people just don't want to deal with it. They
don't want to talk to the adjuster. They don't want
to have to look at the paperwork and answer phone
calls and emails and on and on.

Speaker 6 (54:56):
Some people do, but most don't.

Speaker 5 (54:58):
But if they call you and it's a relative small claim,
would you tell them you don't need me.

Speaker 9 (55:02):
I've done that before and I yeah, I say, let's
give them a shot and then call me if you're unhappy.

Speaker 5 (55:08):
When is the most When are public adjusters mostly needed?

Speaker 11 (55:13):
I think?

Speaker 9 (55:14):
And most of the time when people are denied completely
is when they're going, well, this doesn't sound right.

Speaker 5 (55:20):
I want to nine of claims, I would say multifaceted claims.

Speaker 9 (55:24):
Yeah, hail claims mainly that involved more than just the roof,
you know, siding and paint and windows and things.

Speaker 6 (55:30):
And I imagine fire would be one fires. One smoke
is a big one.

Speaker 9 (55:34):
Just smoke gets in all the little nooks and crannies
of your house and it's a very on the very tedious.

Speaker 6 (55:40):
You know mitigation. Those fires up north? What are they
calling those fires up north?

Speaker 13 (55:44):
That was a name the Marshall Flight, Lewisvilleas Okay, yeah,
those fires, many of them were just smoke, right, and
we're talking your average three bedroom, two bath, two story,
average family home was one hundred thousand dollars to mitigate
that smoke damages.

Speaker 16 (56:01):
Because the smoke got sucked into the entire Is that
because the smoke got sucked into the entire HVAC system
and circulated through all of those outlets and all the pipes.

Speaker 9 (56:10):
And in the attic all of their personal property that
you know, like textiles and furniture. You know, something like
a dresser can be cleaned and salvaged, but mattresses, couches,
you're never going to get to smoke out.

Speaker 6 (56:23):
So personal property.

Speaker 9 (56:25):
Along with you know, the the jewelry and stuff like
that wouldn't be affected, right, And you know, so the
smoke remediation is people just they don't realize, well, it
kind of smells smoking here.

Speaker 11 (56:37):
Bet you.

Speaker 5 (56:37):
I'll bet you you were in neighborhoods doing assessments and
one of the neighbors probably said, well, we didn't get
any fire. Oh, and you said, but have you noticed
the smell of smoke? And i'll bet you the homeowner
ses yet but that'll go away.

Speaker 6 (56:52):
Right, Yeah, and then we hire it.

Speaker 9 (56:54):
Yeah, and then we hire on the insurance company's bill,
hire an environmental hygiena to test the smoke. How bad
is it is? Soot ash char you know, so we
put science to it, right, and any insurance company just
they can't ignore that, now, didn't you say that sometimes
a smoke claim or an ash claim can come weeks

(57:14):
after the fire because it's just settling.

Speaker 6 (57:17):
Yes, you can. I've had smoke claims that were six
months old.

Speaker 5 (57:21):
Yeah, okay, So we're insurance companies pretty fair up in
the Marshall fires.

Speaker 9 (57:27):
Well for the smoke claims, yes, for the fire claims.
A lot of people were under insured, so if they
lost their whole time, and that's not anyone's fault. If
you're under insured, you lose every time of equity. In fact,
with any insurance claim, you're gonna lose your equity. If
you're home, for example, you bought for five hundred and
it's worth eight fifty. That's eight fifty for someone buying it,

(57:48):
not necessarily building it. So if to build it's going
to be six hundred, you just lost two hundred and
fifty thousand, dollars of equity you'll never get back.

Speaker 6 (57:58):
There's no way to insure for it equity. You can
only shore for.

Speaker 5 (58:02):
Replacement, and in fact, homeowner's insurance is the only type
of insurance where replacement is even discussed. With cars, everything
is actual cash value of what you lost. You don't
get replacement coverage for cars. So that's what I found
interesting about the Marshall fires. These poor people. It's not
that they didn't get paid.

Speaker 9 (58:22):
Many of them got paid their policy limits plus extension money.

Speaker 6 (58:26):
Yeah, but they still.

Speaker 5 (58:28):
One hundred percent, not one hundred percent, but nearly one
hundred percent of them who had a claim for a
total loss lost their equity. Right because you can't ensure
for equity value. People say, well, my house went up
in value, Yes, but the construction costs didn't necessarily follow that.

(58:48):
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(59:10):
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Speaker 9 (59:27):
Hey Tom Martina here, welcome three O three seven one
three talk seven one three eight two five five.

Speaker 5 (59:34):
We're talking to Maryland now. She has an issue with
State Farm and a roof issue, and we got the
right people here to answer your question, is what's going
on Maryland?

Speaker 20 (59:44):
Well, I guess it's been a couple of years ago
when we got one of those real heavy rains. It
started raining in our bedroom and on our living room
and it was so much that I had to put
a dishpan down on my side of the bay.

Speaker 15 (01:00:01):
And squshed my husband over so we could get to sleep.

Speaker 20 (01:00:05):
And so I called uh State Farm and we had
a referral to Golden Spike roofing, and so State Farm
agent came out and Golden Spike rooting came out and
so I had to claim it's State Farm, said Gen
twenty second, twenty twenty three. Well there's still been after

(01:00:30):
the rooting people have been out, and I'm d.

Speaker 6 (01:00:33):
Maryland, Maryland, let me get the Street.

Speaker 5 (01:00:36):
You're calling about a claim that was put in back
in twenty twenty three. Yes, and the six two twenty
three was the date of loss.

Speaker 20 (01:00:50):
I don't know whether it was the date of loss
or that was State Farms date.

Speaker 9 (01:00:55):
Well, that's the date of loss. And the reason they
keep track of the The reason they.

Speaker 5 (01:01:00):
Keep track of the date of loss is because you
only have one year to file a claim and.

Speaker 10 (01:01:07):
Then they say too.

Speaker 19 (01:01:11):
Go ahead.

Speaker 6 (01:01:12):
It's usually one year.

Speaker 5 (01:01:13):
But okay, I believe there might be a two year
statute for suing them. But in any case, they're famous
for delaying this, so you expire that but I want
but once you file the claim, the claim's good. But
they often delay making it sound like they're going to
be fair to you to keep you from going after

(01:01:33):
them for bad faith. But here's what I want to know.
What are you calling about today? Have this happened in
June of twenty twenty three?

Speaker 20 (01:01:41):
Okay, And I'm not faulting State Farm. I have called
the building roofing back many many times in between because
I came out and I'm going to say they called stuff,
and that's what I guess might be State Farm people.

Speaker 15 (01:01:58):
So I'm not say saying about State.

Speaker 5 (01:02:00):
Now who referred Golden Spike roofing? Who referred them?

Speaker 6 (01:02:04):
Oh okay, never mind. I thought it was one of
the insurance people.

Speaker 10 (01:02:11):
No, no, no, no, no, somebody I knew.

Speaker 6 (01:02:14):
Okay, I are you complaining about the US had used
them before?

Speaker 5 (01:02:20):
Are you complaining about Golden Are you complaining about Golden Spike?

Speaker 20 (01:02:26):
Yes, it's still leaking two days ago when we got
one of those.

Speaker 6 (01:02:31):
Little so Golden Spike. I have to get this straight.
They never replaced the roof. No, they didn't.

Speaker 15 (01:02:38):
Replace the roof.

Speaker 19 (01:02:39):
They kept calking.

Speaker 20 (01:02:41):
Okay something yeah farm, No, State Farmed with your number,
and so maybe you could help.

Speaker 6 (01:02:49):
What did State Farm pay for? Wait a minute, State
Farm gave you my number?

Speaker 20 (01:02:56):
Yes?

Speaker 21 (01:02:57):
Okay, Now, because you're saying, you're saying that the damage
was never adequately fixed and you still have leaks. Correct,
you know you are allowed to hire another company and
insurance will pay for that.

Speaker 20 (01:03:15):
And I'm on Social Security. I don't have two thousand
dollars deductible. I paid the deductible back in twenty twenty three.

Speaker 5 (01:03:23):
I get what you're saying. No, I had get what
you're saying. So when you call Golden Spike and ask them.
Do they keep coming out and recalling yes.

Speaker 20 (01:03:33):
Very promptly they come out, and I don't know what
they do because I'm not a roof person.

Speaker 6 (01:03:39):
Well, but it shouldn't be.

Speaker 5 (01:03:40):
It shouldn't be a recurring problem like this, Mark Schamanski,
it should What do you think about this?

Speaker 6 (01:03:47):
Mark? The phone down? He is on the phone. What
do you think, Matt?

Speaker 9 (01:03:53):
Well, I'd like to know what State Farm paid for?
Did they pay for somebody to calk the roof? Because
I don't hear that often. Yeah, what exactly? Do you
know what they paid Golden Spike?

Speaker 20 (01:04:06):
Oh, my goodness, that they paid They sent me a chick.
Safe Farm sent me a chick. I did my five
hundred dollars deductible at that time. I think it's two
thousand now, but I did my five hundred dollars deductible
plus what they paid me and I paid Golden Spike.

Speaker 6 (01:04:21):
How much did they pay? How much did they pay you?

Speaker 10 (01:04:25):
Oh goodness, I don't know.

Speaker 6 (01:04:28):
Roughly been two years, okay, roughly? Was it five thousand?
Was it one hundred thousand? How much? No?

Speaker 2 (01:04:35):
No, no, no, I'd say three to five.

Speaker 6 (01:04:38):
Okay, there's something here, because they don't pay for a
leaky roof. They just won't. So I mean, well, if
it leaks as a result of a storm, they would.

Speaker 9 (01:04:45):
Right, No, I mean if it gets into some flashing,
or if there was a tree branch that penetrated or something.

Speaker 5 (01:04:51):
In other words, if your roof just started leaking. What
he is saying is they don't pay for just maintenance.
So what did they say the leaks came as a
result of a storm.

Speaker 10 (01:05:07):
It rained really, really, really hard.

Speaker 6 (01:05:10):
It must have been a windstorm claim.

Speaker 10 (01:05:12):
The only time.

Speaker 5 (01:05:14):
We need to have someone called Golden Spike to see
why they have to keep coming back.

Speaker 6 (01:05:18):
That's that's a logical call.

Speaker 5 (01:05:20):
We need to Hey, Kaschina, I'm not sure how I
doled out cases today, and Chopper I think is gone.

Speaker 6 (01:05:27):
But let's get somebody, maybe dollar to call. We also
have bow, we have doc.

Speaker 5 (01:05:33):
Okay, all right, let's just give it to someone and
let me know who. We just need to find out
why is Golden Spike coming out over and over and
I mean, it seems to me, and what was the
claim for, because it doesn't sound normal to me that
the insurance claim was paid for this kind of damage.

(01:05:57):
It just doesn't sound normal. So or average or whatever.
So who do you want to give it to? Kachina?

Speaker 12 (01:06:04):
I think maybe we should give this bow.

Speaker 6 (01:06:08):
Or okay, yeah, okay, let's do it.

Speaker 5 (01:06:11):
I just don't want to overload people right now three
oh three seven one three eight two five five.

Speaker 6 (01:06:16):
Uh, we have more coming right up.

Speaker 5 (01:06:23):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 6 (01:06:27):
You don't pay a cent until you're content.

Speaker 5 (01:06:32):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 6 (01:06:54):
Yes, okay, Tom Martino here, welcome to the show.

Speaker 5 (01:06:59):
I want to off to Chuck now about Franktown Metro district.

Speaker 6 (01:07:05):
Do you mean the fire district or the metro district
for what? Go ahead? What's going on?

Speaker 19 (01:07:10):
Chuck, Metro district? It's okay, Metro district.

Speaker 6 (01:07:14):
Yes, what's going on?

Speaker 22 (01:07:16):
What's the name of ith Fox Hille Metro district.

Speaker 19 (01:07:20):
There's two districts, District one and District two. District two,
if you know anything about metro districts, is the taxing
district and District one is the service district.

Speaker 6 (01:07:30):
Okay, so.

Speaker 19 (01:07:33):
So metro districts in Colorado there's over three thousand of them.

Speaker 6 (01:07:38):
They're just have become in they're little governments. They're little
governments exactly.

Speaker 19 (01:07:44):
Yeah, they're they're little state governments. In our situation, in
our community, we have what we call a master servant relationship.
The master district is run by the developer and his
family and two business associates, and the taxing district is
now currently five board members or residents. But before until
two thousand and two, for excuse me, twenty twenty one,

(01:08:09):
those boards were made up of literally the same people.

Speaker 5 (01:08:13):
So if by Chuck, by the way, that does happen
pretty often where there's a private developer, people don't step
up to be part of the district. But as part
of establishing a district, there must be by laws that
specify how people can be involved.

Speaker 19 (01:08:31):
Yes, and that's very accurate.

Speaker 22 (01:08:35):
Unfortunately, that information is becoming more available to residents, but
in most cases, most residents are towards, and developers and
real estate agents don't tell you.

Speaker 19 (01:08:47):
And in most states, and real estate agents they don't
know the law. The best example of the.

Speaker 6 (01:08:52):
All right, I want you to hang on.

Speaker 5 (01:08:54):
I want you to hang on, Shocker and find out
what's wrong, what's going on, how we can help.

Speaker 6 (01:08:58):
So stick around on the Troubleshooter Show.

Speaker 5 (01:09:11):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 6 (01:09:15):
You don't pay a cent until you're content.

Speaker 5 (01:09:20):
Time for an insurance check up free, no obligation comparison
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
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 ripped.

Speaker 6 (01:09:48):
You need advice so you don't have run in Just
as fast as we can.

Speaker 3 (01:09:57):
Shooter's gonna help.

Speaker 4 (01:09:59):
Come Dix. Is the Troubleshooter Show. No Tom Martino.

Speaker 5 (01:10:06):
Hey, I'm Tom Martino, and this is the Troubleshooter Show
where we're solving problems, answering questions, taking complaints, making your life.

Speaker 6 (01:10:14):
A little easier.

Speaker 5 (01:10:14):
So we're continuing with our coverage of insurance and insurance
related issues if you have that or anything else you
want to talk about. Chuck was calling in about a
metro district. He lives in Franktown Fox Hill Metro District.
He said, there are two districts, one that taxes and
one that does something else. All all districts tax So

(01:10:39):
I'm not sure what he means by that, but in
any case.

Speaker 6 (01:10:42):
You are telling us a story. Tell us the story
and how we can help you. What is going on?

Speaker 19 (01:10:48):
Well, first of all, not all districts. Okay, they're a
taxing district.

Speaker 22 (01:10:53):
There is a service district that is designed to provide
the services services.

Speaker 5 (01:10:57):
I understand that they don't have TEX I understand, But
the service district that you're calling is I don't want
to get into it.

Speaker 6 (01:11:06):
Okay, I understand what you say.

Speaker 5 (01:11:08):
The service district is simply a service area and the
taxing district supports them.

Speaker 6 (01:11:15):
So there really aren't two districts.

Speaker 5 (01:11:17):
I understand why you're saying that, but they're both exactly
the same as far as the area they cover. One
taxes in the area, the other one goes out and
performs the services.

Speaker 6 (01:11:28):
But none of that will probably help you.

Speaker 9 (01:11:32):
Okay, yeah, I'll tell you what, Chuck, Why don't you
go somewhere and talk to an expert.

Speaker 5 (01:11:36):
Then go talk to an expert, because I don't is
it germane to your problem? If the people that tax
pay for the services.

Speaker 6 (01:11:46):
Is that correct, Chuck?

Speaker 23 (01:11:47):
That's correct?

Speaker 6 (01:11:49):
Okay, now tell me.

Speaker 9 (01:11:50):
Tell me, no, Chuck, I beg you to tell me
why it's a big deal if they are the same
or they're different, not that I give a damn.

Speaker 6 (01:11:59):
I don't give a good goddamn if I can help you.
But it's a matter of semantics.

Speaker 5 (01:12:05):
I did fourteen subdivisions as a developer, and I am
telling you that the taxing district and the service district
are the same.

Speaker 6 (01:12:14):
Purpose.

Speaker 9 (01:12:15):
One taxes to support the services provided. So I don't
care if you call it one district, two districts three
to sixty four, or any other districts.

Speaker 6 (01:12:26):
It doesn't matter. I want to get to your problem.

Speaker 11 (01:12:29):
Okay.

Speaker 22 (01:12:30):
The problem is they're required to file state audits on
their point, right, Yeah, that's right in our situation. In
our situation, the twenty twenty three audits still has not
been performed, so the residents don't have any idea financially
based on what the audits are. And they're two years
behind on their audit.

Speaker 9 (01:12:49):
So listen, don't they have regular meetings? Don't they have
regular meetings?

Speaker 19 (01:12:56):
The District one has one meeting a year, the District
two has four meeting.

Speaker 6 (01:13:01):
Have you guys shown up to these meetings?

Speaker 19 (01:13:04):
Oh, yes, I've been on the board.

Speaker 6 (01:13:08):
Well, okay, you were actually on the board.

Speaker 22 (01:13:12):
My concern is, by law, there's nobody that can force people,
in this case, the developer, to file audits as required
in a timely manner. I've spoken to the state Auditor's office,
I've spoken to the State Attorney General's office, and the
reality is they both say they do not have the
authority to force the audits to be completed in the

(01:13:33):
county manner. There's a statute that tells them they have
to do it, but there's no enforcement of that.

Speaker 5 (01:13:38):
Right, Yeah, and that's a lot. That's that's pretty similar.
Have you have you contacted the Colorado Department of Local Affairs?

Speaker 6 (01:13:47):
Yes, yeah, okay, because.

Speaker 5 (01:13:49):
They specifically, they specifically.

Speaker 6 (01:13:51):
Are in charge of districts special districts. Correct, And what
did they say? And what did they say?

Speaker 19 (01:13:57):
They have no enforcement arts.

Speaker 22 (01:14:02):
They can't the delivery is, they can't enforce the very
relations very statute that cause these people to have to
borrow on its or whatever the state.

Speaker 5 (01:14:11):
And do you fear that they're Do you fear that
there's financial corruption going on?

Speaker 23 (01:14:17):
Oh?

Speaker 19 (01:14:17):
Absolutely?

Speaker 11 (01:14:20):
In what way?

Speaker 6 (01:14:21):
Tell us what you fear? Tell us what it is?

Speaker 22 (01:14:23):
They they have over they have over taxed the citizens
in our district district for the services, and they've done
it for three years.

Speaker 19 (01:14:31):
In a row.

Speaker 6 (01:14:33):
About how much? What do you mean by like, like,
how do you in other.

Speaker 22 (01:14:36):
Words, probably close to two hundred thousand dollars.

Speaker 5 (01:14:39):
Do you think that they are personally? You know, I
found a taxing district one time. It was a water district.
They were actually doing their yearly meetings in Hawaii and
doing crazy stuff like that. Now, are you alleging that
the board members or p people on the district are

(01:15:01):
misusing these funds for themselves or what do you think
is going on?

Speaker 22 (01:15:05):
Well, the reality is, Tom, we don't know because the
audits are two years behind. So I'm hoping that that's
not happening. But because the audit process is two years behind.
We can't verify where these funds are going.

Speaker 5 (01:15:21):
Do they say that they have intentions of auditing those
two years behind or are they just going to never
audit again?

Speaker 6 (01:15:28):
What did they say?

Speaker 22 (01:15:30):
No, the State Auditor's Offices has notified the district that
you're behind the district, and if we're talking about District one,
the developers District has said the audits are in the
hands of the auditors and they're simply behind, if you will,
But they haven't even asked the audit to be performed
in the time man like. Currently there are two years

(01:15:51):
behind there. We're still waiting for the twenty three audit.
So we can't get a twenty four audit obviously until
there's a twenty three audit.

Speaker 6 (01:15:58):
So the b and then they're going to soon they're
going to soon be behind for twenty five.

Speaker 11 (01:16:03):
Correct.

Speaker 22 (01:16:04):
Yeah, I'm not saying that there's any corruption going on.
There's at least close to two hundred thousand dollars that
hasn't been accounted for.

Speaker 6 (01:16:14):
How did you come up with that? How did you
come up with that figure?

Speaker 19 (01:16:19):
Our budget committee came up with that figure when I
was on the board.

Speaker 5 (01:16:23):
So you saw that there was a budget and that
they were collecting two hundred thousand more than the budget over.

Speaker 19 (01:16:32):
Those Again, this is over a four year period of time.
They've been over collecting.

Speaker 22 (01:16:37):
And our budget committee told them they were over collecting.
But because we don't approve the budget, they approved the budgets,
they and all lessons ignored what we told them was
going on, right, And so you were for the autist
to confirm the information. And we're now we're close to
three years behind, with nobody at the statement than the

(01:17:00):
authority to force these honors to be performed in a time.

Speaker 5 (01:17:03):
I want to ask you something when you said, let
me just take an example, when you said they're over
taxing by two hundred thousand, is that two hundred thousand
per year or is that accumulative total of two hundred thousand.

Speaker 19 (01:17:16):
It's accumulative, totally, accumulative, totally.

Speaker 5 (01:17:20):
Okay, So it's about approximately what fifty grand a year
they're over taxing.

Speaker 22 (01:17:26):
Yeah, between forty and sixty thousand a year. Our budget
committees told them they were over.

Speaker 9 (01:17:32):
Collecting, and can't you examine the books to see where
the money is going?

Speaker 6 (01:17:38):
Yes, and we're and.

Speaker 19 (01:17:40):
We're in the process with our management company trying to
do that.

Speaker 24 (01:17:43):
Do the management that was.

Speaker 6 (01:17:44):
Because that'll tell you.

Speaker 5 (01:17:45):
I mean, do you think what you're you're not saying
they're taking the money and they're doing something, whether you're
saying we don't know what they're doing with the money?

Speaker 11 (01:17:54):
Correct?

Speaker 14 (01:17:54):
Correct?

Speaker 5 (01:17:56):
To other residents? Are other residents in the district said
about this? How many people?

Speaker 8 (01:18:01):
I mean, like, is it yes?

Speaker 22 (01:18:04):
This information just became somewhat public at the last board
meeting meeting.

Speaker 19 (01:18:11):
Are you still on the board of the district two
board meeting meeting?

Speaker 6 (01:18:15):
Are you still on the board?

Speaker 9 (01:18:18):
I am not.

Speaker 19 (01:18:18):
My term was up about three months ago ago.

Speaker 5 (01:18:23):
And did you okay? So if you show this is
what I want to know. If you show up at
a meeting and say, we demand to know where the
audit is, we want to know how the money is
being used, what would they say to you?

Speaker 19 (01:18:38):
They said, the man said it's in the hands of
the auditor and they would be now six months ago,
they said, we should have those results within thirty days.

Speaker 15 (01:18:48):
Well, get the results of.

Speaker 8 (01:18:49):
Thirty Is it true though?

Speaker 5 (01:18:50):
Has the audit been done and simply not calculated and published?

Speaker 6 (01:18:55):
Was the auditor on site.

Speaker 19 (01:18:59):
That I can't answer. All I know is we've been
told the audit the financial data is in the auditor's
hands and it hasn't been completed.

Speaker 5 (01:19:09):
Okay, that should be easy to verify since everything is
public record. If you call the auditor and simply ask
them do they have the data they're crunching?

Speaker 6 (01:19:22):
What would they say?

Speaker 22 (01:19:25):
Well, to be honest with you, I don't know who
the auditor is, and so we've contacted the State Auditor's office,
and the State Auditor's Office has said they have been
informed that the auditor has the information.

Speaker 5 (01:19:37):
Well, can you simply ask? But that's public record too.
The name of the auditor is public record.

Speaker 19 (01:19:45):
And to be honest with you, I haven't looked that up.
And I certainly will.

Speaker 6 (01:19:48):
Pursue that this is and we would do it for
you if you want.

Speaker 5 (01:19:52):
If you can find out who the auditor is, we
would gladly contact the auditor and say, look, we have
residents who have co tact at us within the district
and they want to know if you've started the audit
and when will it be done. Maybe the boards lined
to you about in the auditor's hands, maybe the auditor.
I mean, that's where I think the snag is it

(01:20:14):
could be the auditor's problem and not the board. I mean,
maybe it is in the auditor's hands and the auditors
put it on a back burner.

Speaker 6 (01:20:21):
What were you going to say?

Speaker 25 (01:20:22):
D Tom?

Speaker 1 (01:20:23):
It just occurred to me as I was looking at this,
remember where you go ahead?

Speaker 13 (01:20:29):
Uh?

Speaker 1 (01:20:30):
Tom? So I looked up Chucks.

Speaker 16 (01:20:33):
Yeah, I looked up Chuck's issue with Franktown Metro District.

Speaker 1 (01:20:37):
Yeah, we got a call and I recognized there. I
recognized that name. We got a call about them last.

Speaker 6 (01:20:42):
Fall we did.

Speaker 16 (01:20:43):
Yeah, it was probably and I want to say October,
and maybe the call was about No, it was something
that similarly confused me, kind of like it's It was
a very complicated, very technical issue about them not having
regular meetings or not reporting regular stuff like that.

Speaker 1 (01:21:00):
May have been Chuck that called us. Chuck, did you
call us before?

Speaker 23 (01:21:03):
It wasn't me?

Speaker 6 (01:21:05):
Okay, hold on.

Speaker 19 (01:21:07):
There have been other calls to your show about.

Speaker 5 (01:21:11):
Hold on, hold on, man, you have a good memory.
It was November fourteenth, twenty twenty four.

Speaker 11 (01:21:18):
Yeah.

Speaker 9 (01:21:18):
Bill lives in a subdivision and he says that there
he listen to listen to my notes. Lives in a
Frametown subdivision.

Speaker 5 (01:21:26):
He thinks the developer is taking advantage of two metro districts,
fox Hill Metro District one runs the water system and
fox Hill Metrics Metro District two. This was done back
in and I never assigned it to anyone, and that
was November of twenty twenty four.

Speaker 6 (01:21:46):
Do you know who Bill might be?

Speaker 11 (01:21:49):
Yeah?

Speaker 2 (01:21:49):
I do.

Speaker 23 (01:21:49):
Bill and I work together.

Speaker 6 (01:21:51):
Oh okay, So do me a favor. I want you
to call.

Speaker 19 (01:21:55):
When you called, Bill lives in the same development.

Speaker 23 (01:21:57):
That I do.

Speaker 6 (01:21:58):
Okay, good. Here's what I want you to do.

Speaker 5 (01:22:00):
If you get the name of the auditor, Bug the auditor,
we'll figure out and and you know when they find out.
Listen there there's a radio show making inquiries about this.
I just want to know, are they telling you the
truth about editor? Or maybe the auditor hasn't even been called.

Speaker 6 (01:22:16):
I don't know.

Speaker 8 (01:22:17):
I mean but that and by the way, we'd like
to know that as well.

Speaker 5 (01:22:21):
And by the way, Chuck, there should be no reason
they can't give you the auditor's name. That should be
public record. If you have to, you can do a
public record FOYA request. I forget what that stands for,
but it's open records. That's what it's something.

Speaker 1 (01:22:36):
Open records Korra Corra.

Speaker 6 (01:22:40):
Yeah, maybe that's what I meant.

Speaker 8 (01:22:42):
Appreciate your help.

Speaker 5 (01:22:43):
So call us back though, and uh let us know
the auditor, or simply email us help at troubleshooter dot
com and what we'll be able to do is go
directly to the auditor and find out what's going on.

Speaker 6 (01:22:58):
We got more coming up on the Troubleshooter Show.

Speaker 5 (01:23:05):
Go with a sure thing Denver's Best rufer excel roofing
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Leave time for an insurance check up free no obligation
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(01:23:27):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 6 (01:23:37):
Hi Tom Martino here, welcome.

Speaker 5 (01:23:39):
Let's go to Michael. Michael, you have a comment on
the new Broncos stadium. Man, it seems like yesterday we
had one hiring. What's going on, Michael?

Speaker 23 (01:23:48):
Oh I used to work there at the old Burnham yard. Yeah,
they closed it though ifsent like eight years now, what
a question? And nobody's asking again, howcome that fifty acre
plot of premium land and stayed vacant. No one swooped
in there and put a big, multi high rise on
there and a few other things because and I think

(01:24:12):
it's because the earth is contaminated, like you wouldn't believe,
because they closed in Los Angeles a side a raallyt
yard with the same age as Burnham and they ended
up digging as a Union Pacific did a crater over
one hundred and twenty five feet deep, I was told,

(01:24:34):
until they got clean dirt. So if that, who's going
to pay for that? If the city and taxpayers end
up buying this from Union Pacific, what makes.

Speaker 6 (01:24:44):
You feel it's contaminated?

Speaker 23 (01:24:46):
Well, because I was working there, it's in two thousand
and five, and the stories I heard, with real horror stories,
how the electricians would take no proof, just you know stories.
They said, Hey, Michaels, you know we got this trithl
lily nasty stuff which outlawed. Yeah, yeah, well they just
take five gallons. The Christians took five gallon bucket stuff.

(01:25:09):
But they got dirty, old abandoned whale.

Speaker 6 (01:25:13):
Michael.

Speaker 5 (01:25:14):
Normally, normally when you purchase land of any kind, you
do what's called due diligence, and you check the soils
for what you want to build, and you check for contamination,
and you check for cleanups that might have to be done,
and you check for water, you check for all kinds

(01:25:34):
of stuff.

Speaker 6 (01:25:36):
Well, there was all kinds of What's that.

Speaker 23 (01:25:38):
Six months after we got moved out of the air,
couple of our guys go down here to find some
spare missing parts and stuff from from North Yard.

Speaker 1 (01:25:48):
Anyway.

Speaker 23 (01:25:48):
They came back said, hey, Michael, they're down there doing
all this core like you're telling Core samples looking for
you nasty.

Speaker 5 (01:25:55):
Well okay, but Michael, no one in their right mind.
All I'm saying is this, No one in their right
mind is going to buy a property without doing that
due diligence. Again for themselves, whether it be a condo
developer or anyone else, if they're going to build something
or they're going to develop it, including the city, don't
you think the city will do some due diligence and not?

Speaker 6 (01:26:19):
I mean, you're calling in what if?

Speaker 11 (01:26:22):
What if we're talking politicians.

Speaker 5 (01:26:25):
I understand that, Michael, I understand that, but there is
the cost of doing business beyond which they can't go.
I mean, and and here's all I'm saying, And I
thank you for calling, but here's all I'm saying that
before I think the city or anyone would buy that
a developer, they would do enough testing to know if

(01:26:45):
it's contaminated. I mean, I've been involved in enough commercial
real estate to know that that testing is routinely done
before purchase. So I don't think the what if will
come true In your case. You're original premise was what
if they buy it and we get caught with this

(01:27:05):
cleanup again, you would hope that the normal due diligence
would apply.

Speaker 18 (01:27:11):
And also, Tom, these are not naive first time home buyers.
These are sophisticated people.

Speaker 5 (01:27:17):
Well I understand, I understand, but you know he's throwing
his hands up saying, well, you know, government again.

Speaker 6 (01:27:24):
I don't deal in what ifs. I mean, I really don't. John.
You have a question on an auto insurance claim. What's
going on, John, Yes, So I.

Speaker 26 (01:27:34):
Was involved in a minor accident a couple of months
ago and had some work done to get my vehicle
back on the road dealing made a claim with the
other gentleman's insurance, and they're only offering me eighty percent
of their Yeah, however.

Speaker 6 (01:27:51):
They're calling it.

Speaker 5 (01:27:52):
They're calling it, they're calling it comparative negligence, right, they
know mention that.

Speaker 6 (01:28:00):
Well, that's why they do it. John, This is a
new This is a it's not a new trick.

Speaker 5 (01:28:06):
It's actually an old trick what insurance companies do when
there's an accident. If you put in a claim, they're
going to say you were partially responsible. So they're only
going to pay you eighty percent or ninety percent or
seventy percent. And the reason they do that is they
have found that people will settle and not fight over

(01:28:27):
the remaining amount.

Speaker 6 (01:28:29):
So what were the circumstances of your accident?

Speaker 26 (01:28:33):
Just driving down the road and this gentleman pulled out
from a side street right in front of me. I
did everything I could to miss him. I swerved ended
up going.

Speaker 6 (01:28:42):
Okay, that's exactly what I thought.

Speaker 5 (01:28:47):
What John, The reason they offered you eighty percent is
because they're saying that you were partially responsible. I'm not
agreeing with it, and you don't have to agree either.
If I were you, I would go to the other
driver and sue him directly. How much is the claim?

Speaker 26 (01:29:07):
They're offering twelve hundred and sixty four dollars, and so
far i'm at twenty four h nine without.

Speaker 5 (01:29:12):
I would go all I would do, John, You're not
obligated to deal with his insurance company.

Speaker 6 (01:29:19):
You're not obligated, So if I were you.

Speaker 5 (01:29:23):
If I were you, I would simply take my entire claim,
and I would sue the person in small claims court
directly and bypass you dealing with his insurance company. I mean,
I'm dealing with something similar with USAA, where some girl
ran into my son's car in a parking lot. The

(01:29:45):
girl's father tells me that I have to deal with USAA,
and I said, no, I don't. I don't have to
jump to their hoops. I'm just getting my car fixed
and you're paying for it. I don't have a contractual
obligation with them. You don't have a contractual obligation with
that other person's insurance. All you need to do is
go for the loss and let them worry about how

(01:30:06):
they're going to get it paid.

Speaker 6 (01:30:08):
I mean, that's really, that's really life.

Speaker 5 (01:30:11):
I mean again, you know it was nothing bugs me
more than when you don't deal with car insurance that much, Matt.

Speaker 6 (01:30:18):
But really for somebody to do damage to you and
then to say you have to deal with my insurance company, and.

Speaker 9 (01:30:29):
You know no one knows how to communicate that effectively.
I mean you're not armed with that, Ammo, right exactly.
I get a couple of calls a week about auto
coverage and I always recommend Petty Petty Petty Details will
give you value of your car if they want to
total it or a loss.

Speaker 6 (01:30:48):
What's called diminished value.

Speaker 5 (01:30:50):
Like if you have a relatively new car you get
into an accident, Now, even if they fix it, it's
going to be worth less.

Speaker 6 (01:30:56):
It's called diminished value. Real quick here, uh was?

Speaker 11 (01:31:01):
Another question.

Speaker 26 (01:31:04):
Is what's that determine the minute value?

Speaker 6 (01:31:07):
How how old is your car?

Speaker 26 (01:31:09):
It's a twenty twenty two to tundra.

Speaker 6 (01:31:12):
Okay, the older car, the less diminished value.

Speaker 5 (01:31:16):
But the way you determine it is you get an
expert like Petty Details. If you go to our referral list,
look for a place called Petty Details.

Speaker 6 (01:31:25):
He will do a diminished value claim for you.

Speaker 5 (01:31:27):
He doesn't charge that much and he's an expert in
court and it usually holds up. I'm Tom Martinez three
three seven to one three talks seven one three eight
two five five.

Speaker 6 (01:31:37):
Frank Drand the real estate.

Speaker 5 (01:31:38):
Man will do a market valuation of your home to
find out what it will sell for. In this crazy market,
houses aren't selling as quickly. But he'll do an analysis
of your home, your neighborhood, comps, interest rates, and all
to get you an accurate price. Three oh three nine
two zero sixteen twenty two. No obligation Frank duranderealestate Man
dot com. Go with a sure thing Denver's best roofer

(01:32:05):
Excel Roofing dot Com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation.
Comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three three seven
seven to one.

Speaker 6 (01:32:23):
Help.

Speaker 5 (01:32:23):
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 three nine to zero sixteen
twenty two. Hello Tom Martino here, Welcome to this show.
Edward has a question about a contractor. He's calling for

(01:32:44):
his sister, Edward. What's going on with you?

Speaker 6 (01:32:47):
Hello, Edward?

Speaker 8 (01:32:50):
Hi, Yes, sir, my sister's kitchen had a leak from
a dishwasher. So anyway run the party floor and it's
not that big of an area. But all State, her insurance,
is very cooperative. You know, they'll pay for whatever you need.

(01:33:10):
But she didn't know how to find anybody. So the
all State sent her Paul Davis Company and she signed
their contracts.

Speaker 5 (01:33:20):
But so all State recommended all State. All State recommended someone.
That's your first.

Speaker 6 (01:33:27):
Sign not to hire them.

Speaker 8 (01:33:30):
Yes, I started getting involved in. They came in and
tore up her kitchen and didn't come back for six weeks.
We fixed whole weeks without a kitchen, and when they
finally came back, they dug down to me it was
a treasure hunt. They were looking for asbestos. So they

(01:33:50):
just kept digging down through sub floors until they found
it and so that closed up everything for another three weeks.
They got an asbestos removal guy.

Speaker 2 (01:34:02):
He did great, he was done in two days.

Speaker 8 (01:34:06):
Cleared everything out. Now we're four weeks later, killed nothing.
We're down to a sub floor.

Speaker 11 (01:34:14):
It's all clear.

Speaker 8 (01:34:15):
There's no asbestos. But Paul Davis it's back in their
court and they just dragged their feet. They don't tell
her anything. Can we fire them? Can we get somebody
out up putting down a vinyl floor?

Speaker 6 (01:34:30):
If you do it the right way, you can.

Speaker 5 (01:34:31):
I mean you can just say it's a breach of contract.
I mean, how long has it been right now? Since
they've been back, He's.

Speaker 8 (01:34:40):
Spent three weeks? Weeks the asbestos removal removal?

Speaker 15 (01:34:43):
Are they they were supposed to bring those samples go ahead?

Speaker 5 (01:34:48):
Matt Stanford has a question for you from Paragon Services,
hold on, did they offer additional living expenses to stay
in a hotel or a house while all this.

Speaker 6 (01:34:57):
Is going on?

Speaker 8 (01:35:00):
All State did offer that?

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

Speaker 6 (01:35:03):
Did she take him up on it?

Speaker 11 (01:35:04):
It shouldn't take that long.

Speaker 9 (01:35:06):
Well, that would typically be your leverage, you know, against
all States saying, hey, you're paying for this additional living expenses,
money for temporary housing and we're sitting here doing nothing.
So then they would typically tell Paul Davis to take
a hike, and then you could get a new contractor
in there. I mean, Paul Davis is a franchise, right,
So some of them are good.

Speaker 6 (01:35:27):
Some of them are not.

Speaker 9 (01:35:27):
But either way, if All State or whoever insurance company
recommends a contractor, you typically want to stay away from that.

Speaker 6 (01:35:33):
But yeah, you could fire those guys. Yeah you can.

Speaker 5 (01:35:37):
You just say, look, you've been off the job for
this many weeks. They're going to want to be paid
for what they've done, and then you have to get
an assessment done of what it will cost to finish. Okay,
in the insurance, but you should contact You should contact
your insurance company and make sure they're not paying for

(01:35:57):
stuff that was not done. Because if you're in YEARNS
company says wait a minute, we ran out of money
on this claim, you're going to have a problem. Okay, Okay,
so your sister should first contact All State and say, listen,
they've only done up to this amount.

Speaker 6 (01:36:16):
I do not want you paying them for anything else.

Speaker 5 (01:36:19):
I'm going to hire another contractor, and if if they
give you any trouble, call us back.

Speaker 6 (01:36:24):
All States should not give you trouble.

Speaker 5 (01:36:26):
You say to All State that they should stop payment
to that other contractor and pay for only what they've
gotten or what they've done, and then you're going to
hire another contractor to finish, and you expect All State
to pay or you're going to hire a public adjuster.

Speaker 6 (01:36:44):
Just tell them that.

Speaker 11 (01:36:47):
Now, is it?

Speaker 2 (01:36:47):
Also?

Speaker 11 (01:36:48):
Is it okay?

Speaker 8 (01:36:49):
Over the next contractor to put a schedule in penalties
if they go beyond this.

Speaker 5 (01:36:55):
Yeah, but penalties are very seldom held up. Penalties are
very seldom upheld, Edward. Did you hear what I said?
Penalties are very seldom in force. Okay, So you can
put penalties in there, but the chances of collecting them
are very slim.

Speaker 6 (01:37:13):
I'm just telling you they are. They're slim. So I
would do what I said.

Speaker 5 (01:37:19):
I would call and then hire a good contractor to finish.

Speaker 6 (01:37:23):
Then you don't have to worry about it taking six weeks.

Speaker 5 (01:37:27):
You should never hire an insurance recommended contractor. That's the
first thing. Go to my referral list dot com and
hire someone. We have another Edward who wants to talk
about a will.

Speaker 6 (01:37:39):
Edward, what's going on?

Speaker 11 (01:37:42):
Hi?

Speaker 10 (01:37:42):
Tom?

Speaker 25 (01:37:44):
My dilemma is I do not have anybody that is
dependable enough to be the executor of my will.

Speaker 1 (01:37:54):
Okay.

Speaker 25 (01:37:56):
Next, I own two properties. They're on revocable beneficiary deeds.
If I pass away today, they go to beneficiaries.

Speaker 6 (01:38:06):
Okay, who are your beneficiaries? The question is, huh, who
are your beneficiaries?

Speaker 11 (01:38:13):
Due?

Speaker 6 (01:38:14):
Okay, okay, yeah.

Speaker 15 (01:38:18):
Now my question is is it fairly safe.

Speaker 6 (01:38:21):
I have a big law firm.

Speaker 15 (01:38:23):
They're reputable. It's kind of like signing a blank tic.

Speaker 11 (01:38:28):
I mean if I put.

Speaker 25 (01:38:29):
Them in charge to be the executor, do you think
it's fairly safe?

Speaker 6 (01:38:35):
I mean yes, you think so.

Speaker 5 (01:38:39):
Yes, if you have a big reputable law firm, members
of the.

Speaker 6 (01:38:42):
Bar fuitable law firm, Yeah, they are. They will, they
have departments.

Speaker 5 (01:38:48):
They have departments that act as beneficiaries or not beneficiaries.

Speaker 6 (01:38:53):
They act as trustees for your will or your personal representative.

Speaker 5 (01:39:00):
People do it all the time that don't have relatives.
They pick a personal representative to take care of it.

Speaker 9 (01:39:07):
Also inherit the heir to your estate. You can also
make someone there on the board.

Speaker 5 (01:39:16):
If you want to leave everything to them anyway, then
they would have a vested interest in keeping your estate straight.
And you can have someone from the Air act as
a personal representative. So it can either be a law
firm which is independent if you have more than one Air.
But if you're leaving everything to Saint Jude's, someone at

(01:39:37):
Saint Jude's might be able to act as your personal representative.
We have more coming up on the Troubleshooter Show. Go
with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content.

Speaker 2 (01:39:59):
Of it.

Speaker 5 (01:40:00):
For an insurance checkup free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three 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 here,

(01:40:25):
Welcome to the show. Three O three seven on three
talks seven on three two five y five. So I
was talking about insurance adjusters. Remember, public adjusters work for
the public, and they help you get.

Speaker 6 (01:40:35):
A fair settlement.

Speaker 5 (01:40:36):
The reason you're not going to get a fair settlement
otherwise is because insurance companies do not exist for the
good of policy holders. They exist for the good of stockholders. Now,
mutual companies are a bit different. I mentioned that mutual
companies are owned by the policy holders.

Speaker 6 (01:40:54):
If that's the case, you may.

Speaker 5 (01:40:55):
Get a little better treatment, but sometimes upper management can
get pretty greedy, so you have to watch it.

Speaker 6 (01:41:02):
Now.

Speaker 5 (01:41:03):
On another issue, we talked about storm dates. Storm dates
are very important and it's important you keep track of them.

Speaker 6 (01:41:13):
Tell them why Matt Matt is with Paragon.

Speaker 5 (01:41:16):
Services, which is a public adjuster that works for policyholders.

Speaker 6 (01:41:20):
Why is keeping track of storm dates important?

Speaker 9 (01:41:23):
Well, now more than ever, because they're they're trying to
wiggle out of coverage by saying, hey, this storm looks
like it happened two years ago.

Speaker 6 (01:41:30):
Three years yeah, right, and you're too late.

Speaker 9 (01:41:32):
You didn't file it in time, even though you had
a policy with XYZ insurance. So if you have a
hailstorm within a year.

Speaker 6 (01:41:42):
You need to do something.

Speaker 9 (01:41:42):
Within six months, you need to do something in my
but you should keep track of the date of loss
for sure.

Speaker 6 (01:41:47):
Absolutely.

Speaker 9 (01:41:48):
I mean a lot of people make videos of the
hail coming out of the sky and that's helpful, and
the video is dated it is, and then I have
resources that can tell me specific areas of when hail hit,
how big the hale was, and you know the time
of day and all that, so I can also look
at it.

Speaker 6 (01:42:04):
Really, anyone has a.

Speaker 9 (01:42:05):
Question on that, So there are services that provide that information, right,
quite a few of them, and you'll give that information out.

Speaker 6 (01:42:12):
Yeah.

Speaker 9 (01:42:13):
One of the main ones I use is called stormer Site,
and you can look you can even type in your
address for like fifteen bucks, you can get an address
specific report.

Speaker 6 (01:42:23):
It goes back like eight years. Oh wow, yeah, that's
pretty cool. What is going on with you? Mac? Welcome?

Speaker 11 (01:42:29):
Hey Tom? Quick question.

Speaker 27 (01:42:30):
My mom lives in an HOA community and they're having
an HOA meeting in a few days about the special assessment. Yeah,
they are refusing to provide a interpreter for her.

Speaker 11 (01:42:43):
She's deaf.

Speaker 6 (01:42:46):
That's an interesting thought.

Speaker 5 (01:42:49):
Yeah, yeah, yeah, I know that government has to do that.
I'm not sure about private entities. I'm actually not sure.

Speaker 6 (01:42:57):
I can find out. If you want to hold on,
I'll look it up during the break.

Speaker 18 (01:43:01):
But are the proposals Are they written down so she
can read them, she can't hear them.

Speaker 27 (01:43:09):
No, they're going to be discussing them with an insurance
agent about possibly roof replacement of the whole community.

Speaker 5 (01:43:16):
My my gut is telling me that they don't have
to do that because they're not a government agency.

Speaker 27 (01:43:26):
Okay, I looked into it a little bit, tim and
it looks like they did, so I think they didn't.

Speaker 6 (01:43:32):
Wait wait, wait, so you're saying that they do have to.

Speaker 2 (01:43:34):
Do it just on just online, you know.

Speaker 27 (01:43:37):
The little bit that I looked into, it looked like
they were obligated to provide an interpreter. But I can
certainly hold if you want.

Speaker 5 (01:43:45):
To check a conject okay, and and she is death yes, okay, uh,
I'm looking it up right now. I'm going on this
one site for disabilities. The Americans with Disabilities Act applies

(01:44:06):
to private businesses and nonprofits that are considered places of
public accommodation. That is considered that's doctor that that that
is not a place of residence. Specifically, it's for stores, restaurants, hotels, theaters.
But it does not apply to private business. Now that's

(01:44:31):
what I just found on this one quick search. If
you want to continue the discussion, hang on, we have.

Speaker 6 (01:44:37):
More coming up.

Speaker 5 (01:44:39):
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 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
to one help think you're his only customer when you

(01:45:02):
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 11 (01:45:14):
Ripped up.

Speaker 6 (01:45:17):
News need advice?

Speaker 3 (01:45:19):
Who you don't have?

Speaker 15 (01:45:22):
Come?

Speaker 6 (01:45:22):
Run anxious as fast as we can.

Speaker 3 (01:45:25):
Shooter's gonna help, come Man Dix.

Speaker 4 (01:45:30):
Is the Troubleshooter Show. No Tom Martino.

Speaker 6 (01:45:34):
Hello, I'm Tom Martino. This is the Troubleshooter Show.

Speaker 9 (01:45:37):
If you have a problem, question and complain and give
us a call.

Speaker 5 (01:45:40):
We're talking with Matt Stanford from Paragon Services and uh.
We also had on Mark Schmansky from Genesis Total Exteriors.
We're talking about storm damage insurance, dealing with insurance and
fighting with your own insurance company.

Speaker 6 (01:45:54):
With the help of a public adjuster.

Speaker 5 (01:45:57):
We also had a question from Mac brought up an
inching research project for us. Mac wanted to know his
mom's in a place with an HOA. She's deaf and
needs an interpreter and they refuse to supply one. And
in everything I can find only places of public accommodation

(01:46:17):
or governments.

Speaker 6 (01:46:19):
Governments are automatic.

Speaker 5 (01:46:20):
If someone needs interpretation at a government agency, it's automatic.

Speaker 6 (01:46:25):
They have to do it now. They may want advanced notice,
but they have to do it now.

Speaker 5 (01:46:31):
As far as public accommodation, restaurants, hotels, places that invite
the general public in those places need to have accommodations
for those who are disabled, including interpretations if they need it.
As far as Hoa's, they're considered private. They are places

(01:46:57):
that you buy. The general public is not invited in,
So under Title nine, you can't force them to make
accommodations for interpretation. Mac And is Max still there or
did he go? If he went, that's fine. I want

(01:47:17):
to continue our discussion on insurance. Somebody wants to know
and they've heard me talk about it, and I don't
think it's as difficult to establish as I originally thought.

Speaker 6 (01:47:32):
But what is bad faith? Bad faith?

Speaker 5 (01:47:36):
Okay, so let's talk about that. Bad faith in general
is the denial of a legitimate.

Speaker 9 (01:47:44):
Claim and then delay, denial and delay denied defends.

Speaker 5 (01:47:50):
The three Well, the defend part is what they do
is what they delay and den and defending is not
against bad faith. I mean, they have every right to
defend themselves, but they don't have every right to deny
and delay unless it is a legitimate denial or delay. Now,
I was told by a law firm that does a

(01:48:12):
lot of these, it's not that difficult to establish that.
If a licensed, qualified contractor says you need it, the
insurance company is pretty much obligated.

Speaker 4 (01:48:24):
Is that?

Speaker 6 (01:48:24):
Is it that easy? Yeah?

Speaker 9 (01:48:26):
That's such a gray area, you know, and contractors, you know,
there's there's contractors that run their company out of their
old pickup truck, and then there's reputable you know, the
good ones.

Speaker 6 (01:48:36):
So eighty twenty rule.

Speaker 11 (01:48:38):
But.

Speaker 9 (01:48:39):
In general, bad faith it has to be accepted and
by a judge.

Speaker 5 (01:48:45):
I mean, well yeah, but but I mean you sue
for bad faith, the insurance company makes a motion for dismissal,
and then the judge rules on whether there's enough smoke
to keep going. Right, Then, once the judge rules there's
enough smoke to keep going, there.

Speaker 6 (01:49:01):
Might be fire there. You have to prove bad faith.

Speaker 5 (01:49:04):
But I was told that proving bad faith is simply
a reputable contractor saying it was caused by this and
you need it replaced.

Speaker 6 (01:49:12):
Right, and it has to be a covered peril as well, right, right,
it does.

Speaker 9 (01:49:16):
And then so that you have to be careful within
the policy what's excluded. But brad faith also it's lack
of communication. It's acting in a delaying delaying is acting
in a deceitful manner.

Speaker 6 (01:49:28):
They have a duty to find coverage.

Speaker 5 (01:49:30):
And and by the way, bad faith will pay the
attorney's fees right and trouble damage trouble damages.

Speaker 6 (01:49:36):
Have you seen bad faith used? I have a USA.

Speaker 9 (01:49:40):
I actually just settled one with one of the attorneys
I use, and they got triple what they should have
got original.

Speaker 6 (01:49:46):
Yeah, imagine that USAA.

Speaker 11 (01:49:49):
Wow.

Speaker 5 (01:49:49):
So they were denying coverage, they were underpaying coverage, they
were paying it was a fire, So that can be
bad faith too, just underpaid, underpaying and basically ignoring or
omitting crucial components to a rebuild and just saying no, no, no.
And then couple that with their lack of communication and
just they tried to point to something in the policy

(01:50:13):
that was absolutely false and incorrect.

Speaker 6 (01:50:15):
So that's deceitful.

Speaker 9 (01:50:16):
Did this go to a trial or a judge? No,
I've never seen one go to a trial. It's simply
just a bench trial with a judge. Well, okay, was
it a trial though, or was it a summary judgment.

Speaker 6 (01:50:26):
I believe summary judgment, so it was never really summary judgment.

Speaker 5 (01:50:30):
Of those listenings where the judge feels there are no
real issues to litigate that it's so cut in your eye,
he makes a summary judgment, and that's really as you
have to have a strong case to have a summary judgment.

Speaker 6 (01:50:44):
This was such a slam dunk. I mean, it was
just nasty.

Speaker 9 (01:50:48):
So I've never seen it go to trial, never seen
it get to a jury, and there's a reason for
that obviously.

Speaker 5 (01:50:53):
Now, Rooster, you're you want to talk about home warranties,
Go ahead, Rooster.

Speaker 24 (01:51:00):
Hello, Tom, I really like the showy Thank you. I've
got a home now that's about twenty years old, and
I'm wondering if it'd be a good idea to my
home warranty insurance that covers like all your applient.

Speaker 6 (01:51:12):
No, No, absolutely not. Can I tell you why, Rooster?

Speaker 5 (01:51:18):
Okay, because here is if I could read what the
policy really says, let me tell you what one of
these policies really say. They say this, Rooster, we're going
to ensure a B C D and E, and you're

(01:51:39):
going to pay a premium.

Speaker 6 (01:51:41):
Based on a B C D and E.

Speaker 5 (01:51:47):
However, in the future, if A goes bad and we
determine it was normal wearing, pet tear, owner abuse, or
lack of maintenance, we're not going to pay for it.
And you're going to say, but what about the premium
I paid for A B C, D and E. Are

(01:52:09):
you going to refund the portion of A I paid
for the last five years?

Speaker 6 (01:52:15):
The answer is no, you pay for it now and
we determine later if we're going to cover it.

Speaker 5 (01:52:21):
So you go on a few more years and B
goes bad and they say B was owner abuse, you
didn't maintain it properly.

Speaker 6 (01:52:30):
So then you say, well, okay, we got A and
we got B.

Speaker 5 (01:52:35):
That are no longer covered, but I'm still paying a
premium for A B C DN E.

Speaker 6 (01:52:40):
And they say, yes, that's what it is. You pay
a premium based on what you have, but we later
get to determine what we're going to pay for.

Speaker 9 (01:52:50):
It's the worst coverage you can ever buy, and every
single home warranty has that wording.

Speaker 6 (01:52:57):
You pay now, but you find out later if we're
going to cover it. So the only way I would
buy home coverage a home warranty, and no one does it.

Speaker 9 (01:53:10):
But if they would come and inspect my home and
they say, from this state forward, all of these things
are covered.

Speaker 6 (01:53:20):
No one does that.

Speaker 5 (01:53:22):
Every single policy. They charge you for what you have,
but they don't commit to covering it. It's the worst
thing you can buy. And the older your home, the
worse it is, because the older your home, the more
normal wear and tear will take its toll.

Speaker 24 (01:53:47):
Right, my aborsing machine just went out, and then I'm
kind of concerned about my furnace and my ac are
both getting pretty old.

Speaker 6 (01:53:56):
And they don't cover old. They don't. They don't cover old,
They don't cover normal wear and tear. They only cover
So what's covered? Okay, good question.

Speaker 5 (01:54:06):
I looked at the Excel sent it out in their
bill and I did a whole social post on it.

Speaker 6 (01:54:12):
What's covered is whatever it means.

Speaker 5 (01:54:17):
It is a catastrophic failure, a factory defect. Okay, But
the three main things not covered normal wear and tear
and owner abuse and lack of maintenance.

Speaker 16 (01:54:31):
Well, it's the normal wear and tear that causes almost
everything to break.

Speaker 1 (01:54:35):
That's exactly a twenty year home. You see, you gonna
be able to prove a factory default for twenty years.

Speaker 6 (01:54:41):
And here's what I'm saying.

Speaker 5 (01:54:43):
They count the appliances and the systems, and you pay
a premium for of course, but you don't even know.

Speaker 6 (01:54:50):
Pay me for this now, Dmitri, pay me.

Speaker 5 (01:54:52):
For this, and I'll let you know in five years
when it goes bad if I'm going to cover it.
But meanwhile, you're going to pay that whole five years
and you're not going to get refund if it turns
out that that dishwasher. I had this case one time,
that dishwasher was included in a home warranty.

Speaker 9 (01:55:11):
Five years later, the dishwasher goes bad.

Speaker 5 (01:55:13):
They said it was installed in properly. He's been paying
on it for five years. So the question is this okay?
Refund that part of my premium since it was never
covered to begin with.

Speaker 6 (01:55:25):
No, that's not the way it works.

Speaker 1 (01:55:27):
Wow.

Speaker 5 (01:55:29):
So I think if a company wants to charge you
to cover something, they should examine it, determine if it's.

Speaker 6 (01:55:39):
Coverable, and then charge you for it.

Speaker 5 (01:55:41):
Why charge you for it and they don't know if
it's coverable, They don't know if it is, so all
they're doing is collecting premium and then looking for reasons
not to cover it.

Speaker 6 (01:55:54):
Yep, that's what they're doing.

Speaker 2 (01:55:56):
What time?

Speaker 1 (01:55:56):
I still think there's nothing.

Speaker 6 (01:55:58):
Let's saying they never pay out. I'm just saying they're bad.

Speaker 11 (01:56:01):
Best.

Speaker 16 (01:56:01):
I'd like to find out under what circumstances they ever
did pay out. I mean everything that broke in my house,
the dishwasher and the washing machine, it all just wore out, right,
like what else could happen to it?

Speaker 4 (01:56:13):
Right?

Speaker 5 (01:56:14):
Well, I've had people call in when I talk about this,
saying I had a home and my furnace went out
and I got a brand new one. I've had people
tell me that, or a water heater, but they weren't
able to exclude it, or the consumer fought them.

Speaker 6 (01:56:30):
But why do you want to buy a fight rooster?
I mean, it's cheaper to bank that money on your own.

Speaker 24 (01:56:37):
Right Well, I had a buddy of mine told me
that he got a furnace replaced by a warranty company,
and then his girlfriend got a warsher replaced under a
warranty company. But it just, you know, it sounds almost
too good to be true that you pay something like
sixty dollars a month and they're sixty to seventy dollars

(01:56:59):
a month, And then if you have a couple appliances
go out, or your furnace or your ac or whatever.

Speaker 11 (01:57:06):
I guess what you're.

Speaker 24 (01:57:07):
Saying, though, is that they could easily say, hey, it's not.

Speaker 11 (01:57:10):
Covered, so that's right, that's right. Yeah, I was just
curious about it.

Speaker 24 (01:57:14):
I wanted to get your opinion on it. But yeah,
that really kind of helps me make a decision because
I was leaning towards getting one, but now I'm thinking, no,
maybe that's not a good idea.

Speaker 6 (01:57:25):
Well I wouldn't get one. You can get one of
you on.

Speaker 5 (01:57:28):
I'm not paying fifty or sixty bucks a month to
find out what they might cover.

Speaker 9 (01:57:32):
I just I'm not going to do that. I mean,
and I don't care what they say. That's exactly you
ask them for sure? Are these things going to positively
be covered no matter what?

Speaker 6 (01:57:44):
Of course not.

Speaker 5 (01:57:45):
The only thing that should be excluded is direct owner abuse,
like you take a baseball bat to it or something.
I mean, they do not put their money where their
mouth is when it comes to these warranties. Again, I'm
going to tell you there are people that will say,
will I paid for my or paid for this or
paid for that, But it's very strategic what they pay

(01:58:06):
for and what they don't pay for, and I absolutely
would never ever buy one ever. That's it never three
O three seven one three talks seven one three eight
two five five. Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't pay a cent

(01:58:27):
until you're content. Time for an insurance check up free
no obligation comparison call Compass Insurance paying too much your
coverage at dozens of insurance companies find out now three
oh three seven to seven to one help. You'll think
you're his only customer when you choose Frank Durand the
real estate Man dot com to list your home with

(01:58:48):
Remax Alliance three oh three nine two zero sixteen twenty two. Okay,
Tom Martino three O three seven one three talk seven
one three eight two five five.

Speaker 6 (01:59:06):
By the way, uh, Paul the waterman, you know him.

Speaker 9 (01:59:10):
He does great water systems for conditioning the whole house,
for softening on thirty nine ninety five.

Speaker 5 (01:59:17):
You'll never see that price anywhere. Also reverse osmosis drinking
water for just twelve hundred bucks at the kitchen sing
He's also doing water heaters right now at great savings
under two grand for a fifty gallon tank fully installed,
and that's waterpros dot net three three eight six two
five five five four. Is Mike still on about his

(01:59:37):
home warranty or did he leave?

Speaker 6 (01:59:39):
If he left, we can move on. And what's that
new person? Mike? Come? Sorry, go ahead, Hi, Tom, I just.

Speaker 28 (01:59:48):
Wanted to get some balance to your comments about home warranties, Okay, sir.
For twenty five years, okay, had the same opinion until
I started dating someone who had a home warranty that
she was paying sixty bucks a month for.

Speaker 6 (02:00:04):
Okay.

Speaker 28 (02:00:04):
Last year, she's got her gas fired furnace and her
air conditioner replaced.

Speaker 6 (02:00:13):
Okay, Okay.

Speaker 28 (02:00:16):
The downside to that is, naturally the furnace was replaced
during a cold snap, so she did not have heat
for ten days, which the warranty company does not give
a food about. And the air conditioner was replaced during

(02:00:38):
a hotspell. And again it takes ten days to two
weeks because what happens is the contractor has to come
out look at it, verify it, file a report, goes
to the insurance company, they put it out to bid
with several of their companies, and you'll never get a

(02:00:58):
brand name replaced unit. These are I want to call them.

Speaker 9 (02:01:04):
You know, off brand and well, Ori Ginaric, listen, I'm Mike.
I'm not denying that they cover, but I'm what were
the actual of failure?

Speaker 11 (02:01:17):
Do you know?

Speaker 28 (02:01:19):
Yes, on the furnace, the heat exchanger had some rough
spots on it, which automatically gets red tagged. And with
the air conditioning condenser it would not circulate refrigerant.

Speaker 5 (02:01:34):
Okay, So they were failures okay, And they weren't traced
to normal wear and tear. They weren't traced to owner
abuse and and and so it was either a factory
defect or a catastrophic failure.

Speaker 28 (02:01:50):
Well, in this case, they were original to the house,
twenty three years old. Okay, the warranty company replaced.

Speaker 5 (02:01:58):
Them, right, But normal wear and tear on a heat
exchanger are not spots on a heat exchanger. That's corrosion,
that's not normal wear and tear. I mean, I can
see where those things were covered. I'm not telling you
they don't get covered. I am telling you that in
long run, most people do not benefit from home warranties. Now, obviously,

(02:02:19):
if they never paid a claim ever, they would be
called on the carpet.

Speaker 6 (02:02:23):
They strategically cover.

Speaker 9 (02:02:25):
Claims based on cost and based on availability of the
cheap brands, and based on the reason it goes bad.

Speaker 6 (02:02:33):
If they can nail you for normal wear and tear,
they're not going to cover it.

Speaker 5 (02:02:37):
Now, if you can find a policy that if you
can find a policy that covers normal wear and tear,
that would be great, But then you also have to
you have to then fight with them as to whether
it was a lack of maintenance or not. Do you
know on some furnaces, she was required to have that
cleaned every single year. Now, maybe the adjuster in this

(02:03:01):
case just cut her a brake, But I've seen where
furnaces were turned down because they could not show that
they got it cleaned every year.

Speaker 28 (02:03:09):
Well, and it's interesting because there was no adjuster. It
was the installer who came out to check it.

Speaker 11 (02:03:17):
So they've got a vested.

Speaker 28 (02:03:18):
Interest in getting to work.

Speaker 11 (02:03:20):
Yeah.

Speaker 28 (02:03:20):
I wanted to warn people that the process is ten
days to two weeks where you're going to be without
eating or cooling, and you're going to get a generic
unit in return.

Speaker 10 (02:03:35):
Yeah.

Speaker 5 (02:03:36):
But hell, just on those two units alone, she said,
I mean, what did Let's see she got a furnace
and what else?

Speaker 6 (02:03:42):
Did she get?

Speaker 28 (02:03:44):
Air conditioning?

Speaker 5 (02:03:45):
Okay, so if she paid furnace and air, and it
was and she's paying sixty bucks a month furnace and air,
you know, I know you'll get generic and all of that.
And if they work for a warranty company, it's going
to be cheaper. But I don't think would be any
cheaper than nine grand. And if you you've did nine
grand divided by sixty, you're talking about one hundred and

(02:04:07):
fifty months divided by twelve, so you're talking about twelve
years of premiums was just kicked back to her.

Speaker 28 (02:04:16):
Right, and she was she'd only been in that house
for four years?

Speaker 5 (02:04:20):
Okay, Oh okay, then yeah she did. And you know,
here's another thing I wonder. They don't require you to
stay with them either. So could you imagine if you
got that coverage, got all of this replacement, then canceled them.
That would be a pain in the ass, wouldn't it
if they never could recoup their money.

Speaker 6 (02:04:37):
So thank you very much for adding balance to that.

Speaker 5 (02:04:40):
Again, I'm going to go on record as saying I
would never buy it ever, I just wouldn't, you know,
just like Sewer line protection. That's stupid because sewer line protection,
oh my god, they have so many exclusions, or water
line protection.

Speaker 6 (02:04:56):
How often does a water line go bad? How often
does your lines go bad?

Speaker 5 (02:05:00):
It's better to have it inspected and to do the
repair than to than to buy one of these coverages. Okay,
during this discussion we talked about insurances and somebody asked
me about I think.

Speaker 6 (02:05:18):
It was on YouTube.

Speaker 5 (02:05:18):
It might not have been about UPS, or they brought
up another kind of insurance that's like UPS UPS United
Parcel Service.

Speaker 6 (02:05:27):
Here's what they do. Listen, listen.

Speaker 5 (02:05:29):
This is another one where they don't put their money
where their mouth is. They don't inspect like a home warranty.
I believe should inspect the house and commit to covering
what they're charging you for.

Speaker 6 (02:05:43):
That's my only thing. That's what they should do.

Speaker 5 (02:05:45):
Not one of them will do that with UPS insurance.
This is a typical scenario I cover with UPS. A
package is damaged, it's insured. You go to UPS and
say my package was damaged. They say it wasn't packed properly,

(02:06:05):
and you say, how do you know and they said,
because it broke.

Speaker 6 (02:06:10):
So what does the insurance cover?

Speaker 11 (02:06:12):
Now?

Speaker 5 (02:06:12):
Seriously, now, seriously. I swear to God, this has happened.
My package arrived damaged. It wasn't packed properly.

Speaker 6 (02:06:22):
How do you know?

Speaker 5 (02:06:24):
Because it was damaged. So I asked UPS this and
they said, if it was packed properly, we would pay
for it. There are things that are packed properly that break.
I said, But how's the consumer to know? Because if
you tell them it's broken and it wasn't packed right,

(02:06:46):
how do I know?

Speaker 6 (02:06:47):
How do I know?

Speaker 5 (02:06:48):
You don't tell me what was packed wrong, You don't
tell me how to pack it right. And here's the
way they collect that insurance money. You go to a
UPS center. Now, if you have them packed, that's different,
that's totally different. That's a good bet. You have them
pack it and insure it, and you're good. But when
you pack it and you take it to the center,

(02:07:09):
they accept your package and they charge you for insurance
the same exact thing as homeowner's insurance. Pay me now,
and I'll let you know later if I'm going to
cover you or not. So if they don't cover you,
do you get your premium back? No, you've paid for
maybe you'll cover me.

Speaker 6 (02:07:31):
So I propose this to UPS, and of course they
will never do it.

Speaker 5 (02:07:35):
If you're going to let a consumer pack their own
package and ensure it, you should inspect it before they
do the final seal.

Speaker 6 (02:07:43):
They should come to you with.

Speaker 5 (02:07:44):
A box top open, you look at it, decide if
it's packed properly, seal it up, and they buy insurance.
Then you don't have that crazy. Hey, we're not paying
for it. Why it wasn't packed properly? And that's you, Yes,
insurance And it happens all the time, all right, I'm

(02:08:05):
Tom Martino three oh three seven one, three eight two
five five or three oh three Martino. Go with a
sure thing Denver's best rufer excel roofing dot com.

Speaker 6 (02:08:15):
You don't pay a cent until you're content.

Speaker 5 (02:08:20):
Time for an insurance check up free no obligation comparison
call Compass insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one.

Speaker 6 (02:08:30):
Help.

Speaker 5 (02:08:31):
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.

Speaker 9 (02:08:45):
Hi Tom Martino here three o three seven to one
three talk. We have a question for Paragon from Mike.

Speaker 6 (02:08:54):
Mike, go ahead, Hi man, how's it going? He's on,
go ahead, go ahead.

Speaker 15 (02:09:03):
Yeah.

Speaker 28 (02:09:03):
My questions, my questions about that address that you're working
on on William Street and Thornton.

Speaker 5 (02:09:11):
Okay, well that that that doesn't do any good for us?
What I mean, we don't have time for a private conversation.
You can call him off the air view on I
what are you referring to? Can you let us haul
in on it?

Speaker 28 (02:09:26):
Well, he's working on the situation for me where a
friend of mine had hail event, uh huh, had an
all state adjuster out.

Speaker 11 (02:09:40):
Uh.

Speaker 28 (02:09:40):
He said, there's no damage whatsoever. Had Greg from Genesis
come out and take a look at it, and there's
significant hail damage to a bunch of different surface surfaces.
And I'm just wondering if that justifies bad fail a
breach on the insurance company's part where she would be

(02:10:04):
uh able to recover triple damages.

Speaker 6 (02:10:10):
So is it bad faith? Explain? I don't know, I'm
not familiar with you which client this is. Do you
have a last name?

Speaker 28 (02:10:20):
I don't want to give it out over those Okay.

Speaker 6 (02:10:22):
No, that's fine.

Speaker 9 (02:10:25):
Yeah, if if we if we're taking it into litigation,
go ahead, pardon, yeah, if we're taking it into litigation.
I mean, that's always the goal is to try to
prove bad faith if we can, but just simply them
saying there's no hail damage. You know, I always try

(02:10:45):
and fight and fight and fight until I simply can't
get them to turn the corner. And that's when I
engage the attorney. So to answer your question, No, you
can't really sue on bad faith by just them simply
denying that there's damage. It's a it's a dispute between
myself and them until it gets into the lawyer's office.

Speaker 6 (02:11:05):
Okay, sir, thank you, all right.

Speaker 5 (02:11:09):
Yeah, you know, bad faith, by the way, is something though,
that scares the hell out of them.

Speaker 9 (02:11:17):
Yeah, that they that those two words UH usually have
them quaking in their boots, because you know, it's either
pay the claim now or pay triple later exactly.

Speaker 5 (02:11:27):
So anyway, I have another question for you on on
a a hail claim or not a hell claim, but
on storm claims or insurance claims, what is the biggest
UH turn down or what what do insurance companies balk
at the most.

Speaker 6 (02:11:45):
You've done enough of these claims that you know, it's
going to be a pain in the ass. Yeah, if
the if the roof is older, it's shilling, we'll wear
and tear.

Speaker 9 (02:11:57):
It's it's a little harder to point out hail damn
it if there's granule loss on the shingles. You know,
a roof that's five years old that has significant hail damage,
it's very easy to see.

Speaker 6 (02:12:12):
Those hail hits.

Speaker 9 (02:12:13):
Now, if the roof is fifteen years old, it's going
to have its wear and tear up there, and that
you know, the degranulization. It's a lot harder to accurately
pinpoint hail hits on a surface like that. So that's
the most typical fight I get. Okay, So in any case.

Speaker 5 (02:12:35):
When it comes to multiple items, I would say that
most houses have multiple items. How many times do you
think a roof is damaged so badly by hail that
windows wouldn't be pelted a bit I mean, or siding
or pain Yeah, I mean how can you just get
the roof damaged and not the deck, not garage door?

Speaker 9 (02:12:59):
Yes?

Speaker 6 (02:12:59):
Okay.

Speaker 5 (02:13:00):
So So in other words, even if it seems like
just roof damage, how long does it take to figure
out if it's.

Speaker 6 (02:13:07):
Not, oh, pretty easy with just a you know, a
perimeter check.

Speaker 9 (02:13:12):
I start with, you know the front elevation, look at
the garage door, look at the coach lights. Paint windows,
some windows hold out better than others. You know you're
gonna get some windows like like a wooden window, pillow windows.
You know, there's a pretty tough but you know, just
your standard builder grade aluminum windows, those get beat up
really bad. Vinyl windows get little chips broken out in them.

(02:13:37):
Sometimes the windows seal will fail and you'll start seeing
moisture in between the panes. That's very common. Sometimes that
doesn't show up for months after the hailstorm. So that's
another supplemental thing that we would have.

Speaker 21 (02:13:50):
To go for.

Speaker 5 (02:13:50):
So if somebody already had their roof done and they
paid for it, is the clane closed.

Speaker 9 (02:13:56):
Yes and no, so you can reopen if you find
damage that was unrecognized at first. And that kind of
goes with anything that you supplement for. Like if they
pay for the roof and while the contractor is performing
the repairs or replacement to the roof, you might find
things along the way that you couldn't see before. So

(02:14:17):
we have to supplement for those items. But yeah, you know,
they do typically close the claim when recoverable depreciation is released.
That's pretty much when it's it's game over.

Speaker 20 (02:14:29):
You know.

Speaker 6 (02:14:29):
It just depends on the carrier. You can reopen it
by statute.

Speaker 9 (02:14:32):
There's no specific time, no, and carriers. Some carriers are
just very rigid on that. Other carriers will will work
with you a little bit. It really just depends, you know.
Like I said earlier on break, there's good companies and
bad ones.

Speaker 25 (02:14:45):
You know.

Speaker 6 (02:14:45):
Some of them work with you, some of them are
just sorry. You know, just depends who you get. Okay.
Three oh three seven one three eight two five five.
We have more coming up.

Speaker 5 (02:14:57):
Go with a sure thing Denver's Best Roofer sell 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 to
seven to one help. You'll think you're his only customer

(02:15:19):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. All right, let's
finish up with Paragon Services, which is a public adjusting
company that goes out and helps people fight with their

(02:15:41):
own insurance company.

Speaker 6 (02:15:43):
What is the biggest fight, basically.

Speaker 5 (02:15:45):
Mad Is it the amount of money or the amount
or the items being covered themselves?

Speaker 6 (02:15:52):
Yeah? It So there's two things.

Speaker 9 (02:15:54):
That there's scope, which is you know, the all the
components roof gutters, siding, windows, so yeah, scope. And then
there's pricing, so they use exactimate software to price things,
and oftentimes that's just simply not enough. So that's when
I kind of partner up with somebody like Genesis, say
give me your real world estimate. So it's not just

(02:16:15):
the scope but the price. Right, what is it mostly
price or scope? I would say probably scope, like not
recognizing all of the damage right, not in totality. They'll say, oh,
that doesn't quite look like hale. That could be something else,
And then I say, okay, prove that it's not hal.

Speaker 6 (02:16:31):
What about overhead and profit? Is that hard to argue?

Speaker 9 (02:16:34):
Not?

Speaker 10 (02:16:34):
Really?

Speaker 9 (02:16:35):
Overhead and profits designed for a contractor's general overhead and
their profit involved.

Speaker 6 (02:16:40):
So that is engaged. After three trades are involved.

Speaker 5 (02:16:44):
Usually somebody wants to know what if they did their
own repairs and stuff.

Speaker 6 (02:16:49):
Do insurance companies pay overhead and profit?

Speaker 9 (02:16:52):
Yeah, that's usually determined on the front end, and beyond that,
once it's paid, they really don't care how it's done
as long.

Speaker 6 (02:16:58):
As is it okay.

Speaker 5 (02:16:59):
So you just put in is if a contractor is
doing it right, and if a homeowner can get the
work done cheaper, they get to keep the money.

Speaker 6 (02:17:06):
Yeah, absolutely, ye. Yeah, so they're doing a lot of
the work, they get paid for it. Sure, Yep, happens
all the time. Insurance companies don't balk at that at all. No,
and they really just close the book and move on.

Speaker 9 (02:17:16):
I mean, if it's a million dollar project, they might
take a closer look, but they're not going to send
somebody out.

Speaker 5 (02:17:21):
Then, when you negotiate a settlement, the price is paid upfront.

Speaker 9 (02:17:27):
And you're done unless there are supplements. And then who
make sure the work is done if they're paid for it. Well,
if I'm involved, I just get word from the homeowner
or the contractor that we're done with the work, and
I send a certificate of completion to the insurance company.
They want to see that, yeah, Usually, or a contractor's
paid invoice.

Speaker 6 (02:17:44):
Do mortgage companies get involved.

Speaker 9 (02:17:46):
Yeah, there's mortgage companies on most checks. So hopefully it's
a local branch. You can just take that paperwork up
there and get it endorsed. If it's an out of
state deal, then you've got a FED exit and track it.

Speaker 6 (02:17:56):
It's kind of a pain.

Speaker 9 (02:17:57):
Now, do mortgage companies ever follow up on the work done?
They some of them will send out an inspector. Yes,
it just depends.

Speaker 6 (02:18:04):
Depends.

Speaker 9 (02:18:04):
Yeah, because that's collateral for their loan. They own the
house too, and they want to make sure the work
is done.

Speaker 6 (02:18:10):
Absolutely.

Speaker 5 (02:18:10):
So when people want to contact you with questions on anything,
they can call this number. Yes, seven one nine seven
two six zero zero two zero. That's seven one nine
seven two six zero zero two zero. That's Paragon Services
dot com. Paragon Services dot com. I'm Tom Martino. Don't

(02:18:32):
forget three zho three Martino for help.