Yeah, ripped up. Didn't need advice when you don't have come run in
just as as we can. Shooter's gonna help coming. This is the Troubleshooter
Show. No Tom Martino, Hi Tom Martino here, Well, come to
the show. We are solved problems, answering questions, taking comites, making
your life a little easier. I got Brian with me from Compass Insurance.
I love insurance shows. We'll talk about insurance. Insurance is on everyone's mind
right now, every every aspect of insurance, from health, casualty, life,
cars, everything, They're all up, all up and and and listen.
It should not be hard to figure out insurance, which, by the
way, acts a lot like a security, which it's not. But it's
money in pooled profits payments. Now, obviously we don't invest in insurance.
Usually we just get insurance, but the companies invest to keep it alive and
losses that are sustained effect premiums. We'll talk about that coming up right now.
Crystal, though, wants to talk about an issue, and this is
a weird one. I went through the emails and unless I'm missing something,
I do want to bring Crystal up again. You really need to know that.
I swear to you that I look at every aspect to try to get
to something that I can hang on and go to the dealer and say this,
or go to them and say that Crystal and Cody or whoever's on Crystal.
I went through every single email. There is no guarantee what in fact,
if anything, the no to you indicated that your car was drivable and
that you shouldn't have left it there that long, and that they were not
going to pay for your rentals. You told me you had to guarantee that
they were going to pay five months of your rental. I don't, I
mean, unless I am totally disconnected. Where was that email? If you
go through the emails, you can see that a lot of this was verbal
between Tanya and Adams Solano and myself. But not one of them, not
one of them said they would pay for your rental beyond ten days. Not
one of them. The best I could find was ten days. And what
about the one saying your car was drivable, there was no reason to leave
it there five months? See, that's not what I was told. But
every one of them that they told you your car is drivable, Your car's
drivable. I mean I would have at least called, so, what the
hell's going on? And don't you think they would have said, come pick
up your car. They all claim that they told you to pick up your
car and they don't know why it's still there, right right, and absolutely,
Here's what I'm going to tell you. I promise people one thing.
I promise to look at things objectively and then hope it's not really objectively because
what I do is I first look first at what did what went wrong?
And why does the other side feel this way? Then I look at it
totally objectively. Then I look at it. How do I get the consumer
help? Even if even if they didn't have all their ducks in a row.
But in your case, there's not one thing in that. I mean,
if you go to court, you're gonna lose. But but maybe you
should try small claims court just for the because it's under the seventy five hundred.
But you you, I'm looking at it hoping to find something. There's
nothing there that anyone would conclude that, oh, yeah, she was covered.
But did anyone Why did they in these emails make all these references to
your car being ready not ready, but you can drive it until the parts
come in. Why didn't you go get your car? Because I was told
that it may never drive over thirty miles per hour again. But they never
That's what I was told. And I looked on the internet and not one
person with this recall, not one person left was told they could not drive.
And I don't know where the thirty mile an hour limit came in.
I don't see any reference to that in any of your emails. I just
don't see anything. I just that's just it is that I was told if
I don't do all of these service procedures, that you know, my truck
may never go over thirty miles per hour again. And in the case,
but they told you until they get the part, you and drive it.
Battery was dead when I picked it up. They couldn't even find my vehicle
on the lot because the battery was dead and it was a brand new battery.
So I Crystal there, I just don't think you're going to get five
grand from five months of rentals from I'm not worried about the five grand.
I'm worried about the public impact. Public to a lot of people, yes
they are, and I feel hold on, wait, that's different. Wait
a minute. So I thought you were looking for reimbursement for five months of
rental. I'm sorry, you're looking now for a public campaign to help others.
Get me in touch of victims and tell me what they're doing to these
victims. Well, I sent you the emails. Did you look at any
of those? Yes, I looked at all of them. What is this?
Just tell me what they're doing because they have a recall. Ford has
a recall, the cars are drivable shots. I sent you the reviews from
other people and people Martin Champaigne's assistant called me back yesterday, a consumer rights
lawyer, paralegal, and she just went through the same thing with the same
dealership. So I mean, this is how are they suing that dealer for
this? Because see what I see is this they're going to be subpoenaed to
a Yeah, okay, okay, mark my words. They will not be
subpoened and there will not be a lawsuit. And I'll tell you why,
because the dealer is at the dealer as at the mercy of the manufacturer on
this recall. You know, I don't want to be in a position.
Here's what I hate doing. I hate being in a position where I'm arguing
with someone who called me for help, because I'm not saying I don't want
to help. I'm not saying it would be great. It wouldn't be great
if they paid for this or paid for that, or if the world was
perfect and in a recall they had a fix. But the dealer is not
in control of that. So if this consumer rights lawyer is doing a lawsuit,
get part of it and see if you can get reimbursed. Listen,
in the past, I have made comments like this and been dead wrong.
I have been dead wrong. I have in other cases I've been right more
right than wrong. But here's what we have. You do not have an
ideal situation. I feel for you, I really do. I would be
extremely pissed if I had purchased a new truck but you didn't. You bought
a used one, so we got even a We're even removed from that a
bit. You have an extended warranty on a used product, and the dealer
is not doing this to you. It's the manufacturer is. If this,
if this lawyer, we would I want to call them. Do you have
the name of this consumer rights lawyer that's doing a lawsuit? I'd like to.
What I would like to know is the what they're suing on. I
need to know the aspect they're suing on. Maybe I'm missing something and I
really don't want to miss anything, and I'm not kidding. I want to
know what exactly is going on here? So on the uh? Yeah,
because what is the name? Do you have the name of the attorney?
I do, but I'd rather not say it on air. Okay, can
you give it to us off the air and we'll call them. I just
want to know. I want to know about the Hey Katschina, Well I
was called. There are two different lawsuits and ventially a class action. So
okay, is it against the dealer or the Ford? I can see them
going after Ford? Is it the dealer? Ord? And hurts and who
hurts hurt? Oh okay, I'm just looking at my database here. What
what did they tell you what the issue was? Yeah? They that there's
a lawsuit, yeah, through both corporations. So they are basically saying that,
you know, as a consumer rights attorney, we see that a lot
of people have been impacted by this situation, by what situations, by the
recall, by the by the what well, the fact that you bring your
vehicle in for service, or you purchase a vehicle through that dealer and then
you are not guarante heed. You know, a pre certified, a pre
owned certified situation. So okay, all listen, listen. I don't know
what you're saying, but I want to call the attorney. Okay, I'm
sure I gotta find out, because here's the deal. When you buy a
used car, you're buying it as is subject to an extended warranty, recalls
and all of that. If they did something intentionally, if they were negligent,
I could see that if they knew they had a problem and they sold
it anyway and they covered up the problem, they would have something. What
I need to know is what this attorney found that they're suing on, and
then maybe we can pursue that with the dealer, and maybe that dealer will
say, you know what, instead of this woman joining that lawsuit, maybe
we'll do something for her. Meanwhile, what I would do is try to
go to Small Thames Court. But I'm going to tell you what your weaknesses
are, okay, because I want you to be strong. I'm not telling
you your weaknesses because I want you to be weak. You have no clear
agreement that they're going to pay for your rental. You have every indication that
your car did not have to sit, and that you have an obligation to
mitigate damages, meaning you drive your truck as long as you can, because
they did not tell you it could not be driven. No one told you
it cannot be driven. On the Internet, people are driving with similar problems.
Then you say there's a problem with the dealer doing something, and they
somehow owe you something because of some certified used car. I'm telling you that,
in my humble opinion, you are off base thinking you have a case.
But I want to talk to the attorney. I really do, because
I've been wrong before and I'm probably wrong this time. So let's talk to
the attorney. Ka, Gina, get the name of the attorney and ask
them that if they can shed any light whatsoever on this. Okay, so
people listening, here's what happened. They bought a used truck. Okay,
they have an extended warranty. They bought it from a dealer. It's a
forward truck. Here's what they have. They have a situation where there was
a recall. They took it in and it sat there five months. She
said she had a clear cut agreement. Is what she told me, that
they were going to pay for the rental as long as it took. There
is not one, not one indication they said that, not one, not
one. And and I'm looking for it. Mark do you want to go
is mark on? Do you want to go through this stuff? If I
send it to you, can you look to see if I miss something?
Because I already looked at it. I saw nothing about a rental. I
looked at it yesterday. Well there's stuff about rentals, all kinds of stuff
like alluding to not about paying for the rentals. Right, that's right?
Ten days one woman, this is a manufacturer's deal. I don't know how.
I don't. I just don't. I don't find the whole thing,
correct, that's all anyway? Hold on, okay, and I want to
I want to call the attorney though, yeah, but again she didn't say
an attorney time. She said a pairalegal. No, but she said it
was a consumer rights attorney doing the lawsuit. A consumer rights attorney. Veronica
has a problem with Fred Loya. I have to take a break, but
today is insurance day, so get her to stay on the line. It's
a perfect day. Plus if you have any questions about insurance homeowners or car
insurance, or why your rates went up, or about the spy apps they're
putting on your cars now, or about anything to do with insurance, we
have Brian Burns with us from Compass Insurance Group more coming right up, go
with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content time for an insurance checkup free, no obligation.
In comparison, call Compass Insurance paying too much your coverage at dozens of insurance
companies find out Now three O three seven to seven to one help. You'll
think you're his only 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. Hey, I'm Tom Martinez, your troubleshooter three O three seven one
to three talks seven one three eight two five five. The Federal Trade Commission,
by the way, has completely completely banned noncompete agreements and contracts. They
even took away some of the exclusions on them. We'll talk about coming up
right now let me talk to Veronica. By the way, we have Compass
insurance Group with us. They don't deal with Fred Loyer. They deal with
a bunch of companies. But I'm just going to say this right up front
so people know that I'm prejudiced. Right off the bat. Most of our
complaints come from State Farm Farmers, All State, American Family, and Fred
Layer. They're the top five worst companies on the planet. What's going on,
Veronica. I have a bus that I'm converting into a mobile grooming unit.
Oh really, what kind of a bus? Is it a short bus
or a big bus or what kind It's kind of like a short bus.
Okay, those buses that pick up the elderly. Yeah, okay, that
size bus. Okay, I'm converting it into a mobile grooming unit. And
it was almost done. In the beginning to March, a lady apparently had
a seizure and ran it right into my bus. Oh wait, wait,
she was in a car and ran into the bush after having a seizure.
Oh man, this is trick. Mark, Hold on, Mark, don't
give it away. I'm gonna tell I'm gonna tell her which who who was
this woman? Insured by Fred Layer insurance. Okay, but I want to
explain something to you because now I don't like fred Layer, but I'm gonna
I'm forced to say something right now. And Brian, we've had we had
a case in the past where a guy had a heart attack, he ran
into people, did devastating damages, and his insurance would not cover him.
Now listen, ver on a car. Are you calling by any chance because
the fred Leys said we're not covering it. No, there they want to
total my out. Thanks. I can't. First of all, I just
want to say this. I can't believe they're even going to consider covering it.
Do you know why Mark Mark Mark wanted to spill the beans? Brian
Telemy, Yeah, there there are exceptions to this, But first tell me
why most companies wouldn't under these kinds of certain Well, you're not held liable
in the case of a medical induced accident, and if it was a heart
attack, if it was a seizure, Uh, you're not going to be
held liable for the damages. However, you said, if it's so.
So in the case of the intersection, the guy in a heart attack,
they said it was a sudden something. They called it. Uh, they
called it a health problem and they're not liable. It was not negligent and
they didn't cover it. Right, if it can be foreseen, in other
words, if it's happened before, if this is a regular occurrence seizure,
then it could be you could be held liable because around all right, so
maybe this guy had frequently go ahead. I think that's what the case was,
because there was a criminal case and the GA sent me something stating that
she's that they are held responsible. Okay now, and the DA wouldn't make
that determination. The DA would only make that determination traffic wise, not liability
wise to you. But here's the deal. I'm hoping that this is such
a terrible situation because your bus had more value than the actual value. But
that should be a limitation for her unless it was her own insurance causing this.
In other words, you have a contract with your company, and if
you haven't added coverage for those modifications by all means. Well, let's say,
let's let's put it this way. What stage of the restoration or conversion
were you in. It was almost complete, Okay, they were ready.
They were ready to put the equipment in the bathtub, the tables. But
so but but was it painted and spruced up? And okay? Now are
what year is this bus? It's a two thousand and three? Are they
trying to Are they trying to price it as a just a raw, regular,
used, old two thousand and three bus? Yes? What kind of
bus is it? It's a Ford. It's Ford f S three fifty,
I want to say. And and it's it literally looks like a bus.
Yes, okay, Now what do they say it's worth? On? They're
saying it's worth forty two hundred? What do you what did you buy the
bus for? First of all, in this raw condition, I bought it
for forty five hundred and they're offering forty two. Yes, and then I
put the no, I hold on. I'm making notes here. So you
bought it for forty five right? Yes? And you put how much into
it? Tires, paint on? Well, no, I don't need to
know that. What I need to know is the price about ten thousand dollars.
So you're into it, and I wouldn't be surprised at all. So
you're into it for about now. That doesn't count the equipment that did not
get installed. Count the equipment? No, okay, So you're into it
form around fifteen grand Yes, okay, and what and they say, oh
god, these jerks are so they're not giving you any value for any of
that. Right. Not only that, I didn't find out until yesterday when
I I made various calls and I finally got a call back and they told
me about the offer. The person on the phone did not tell me that
there was a deadline, that it expires. Well, that doesn't there's no
deadline. That's artificial. They can't make a deadline on you. Forget that
crap. Well they did, and then guess what it's tomorrow. Well,
hold on, tell me what happens if you go past the deadline. Tell
me what happens? They just give me the forty two hundred. No they
don't, No, they don't, No, they don't. What law says
that? Tell me what law says we can hit you and make our own
deadline. Tell me what law that is? I don't know. They're full
of crap, is what I'm telling you. Who told you that there's a
deadline. Well, the email they sent me yesterday, I read it and
it says that it's a ten day offer, and it that's a ten day
offer. That doesn't mean they can't make another ten day offer or a twenty
day offer, or a thirty day offer or a one day offer. They
can do whatever they want. This is bull crap. Listen, here's what
I want to know, Veronica. When did the accident happen? The beginning
of March? The first week of March. Okay, so we're good,
thanks for not waiting to call now, brianoy, Tom, would fred Looyer
actually be liable to cover for all these improvements she did? How does that
work? Of course you Why wouldn't they they property that was her property?
Okay, I don't understand why it would even be a question. I mean
they they did the damage. Now the question I would have is do you
have insurance? No, because it's seven hundred dollars to ensure that bus and
I have not started working. Where was it part though? Please don't tell
me it was on a public street. No, it was on a property,
on your property. Yes, you know what. She's got a she's
got a good case to get this cover. The only issue is she's going
to have to do the work to sue. In other words, she can't
just turn it to her insurance after it. So it's it's just more work.
But listen, Veronica, listen, you need to forget about Fred Lawyer
right now and fock now. Unfortunately, unfortunately, to sue above seventy five
hundred, you're going to have to go to county court. The small claims
court is seventy five hundred. They want to total it. That means not
only they give you forty two hundred, but they want to take the bus.
Right well, they have two options. They can give me forty five
hundred and take the bus, or they can give me forty two hundred and
I can keep the bus. Yeah, they're no, You're not going to
take either of them. This is wrong. I know this is I mean,
I don't want a new bus, but I just want the repairs.
You've been working on this? How long you've been working on it? It's
been this has been my dream. And how long have you been working on
it? No? I can hear it in your voice. I want to
help you. How long have you been working on it? For about a
year? Did you do most of the work yourself on it? Yes?
And then I had someone come in to do the walls and everything else,
and the paint man. So tell me this, okay, hold on.
I got to take a break. Just hold on, Veronica, this is
pissing me off. Three all three seven one three talk. By the way,
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the real estate Man dot com to list your home with Remax Alliance three three
nine two zero sixteen twenty two. All right, we had a discussion off
the air, and I want to I just want to talk about this.
First of all. I just want to you about first of all, Denver
Regen for weight Loss Denverregen dot com. But they're gone, They're they're going
crazy. Okay, So I don't know how long this program will lasts,
but it's two hundred and fifty a month for your weight loss supplement or drug.
And that's the semiglue tide genuine semi glue tide, but it's compounded,
meaning it's the same stuff. So what I want you to do is is
get in touch with them if you want to get on this weight loss program
Denverregen dot com. That's with their drugs and the doctor and everything. So
I want to talk to here's the issue we have, Veronica. I am
one hundred percent on your side, but we hear the few issues we have.
So if it was a giant dollhouse in your yard, or it was
a bus you're converting, or it was whatever they hit, that party is
responsible for what they took from you. It's not here just the via.
It is the vehicle and whatever you can substantiate just because you say you were
working on it a year and have ten thousand invested. Brian brought up a
good point. You're going to have a really tough time if you can't come
up with receipts and real expensive expenses like tires, paint job. Okay,
now, When you say ten grand, do you mean you have ten thousand
dollars in receipts for the stuff you put into it? Yes, give us
an example. And I'm not arguing, but I'm trying to put you to
the test. Okay, the paint was three thousand. Okay, good,
you have a receipt for a professional paint job. What else? Yes?
The construction was what construction? What construction? The walls inside, I had
to make cabinets, okay, just to prepare it. It had to be
all waterproofed inside okay. And area for the generator, for the water pump,
water tanks. Everything now be prepped. Now, this is really important
to know. Can it be fixed? Yes? Okay? I mean have
you had people look at it and give you an idea of what it might
cost to be fixed. I actually took the day off to day. I
have to take it to two places to get an estimate. Because what I'm
thinking is this, here's what I'm thinking. Let's forget about the total value.
You know, you say you have fifteen grand in it. Let's forget
about that. Let's say it'll cost seventy five hundred to fix. Then then
you could sue in small Claims Court. Is that. What I'm trying to
get at is Mark brought up during during the break we were talking. Our
YouTube morals can hear this and our streamers. But what he said was you
could hardly afford the insurance and you were waiting until it went on the road
to even put up the insurance. How can you afford an attorney? And
you can't. So I know we're going to have to figure out a way
to do this without it cost you more than it's worth. So get your
estimate and call us back. That's the first thing. See what it will
take. Did any of the interior I don't think you're going to care about
the estimate whatsoever, because they're saying, hey, it's total. We'll give
you what is Marth Mark, We're not going to deal with Fred Layer.
The reason for the estimate is to sue the other party in small claims court.
She has no contract with Fred Loyer Veronica. What I'd like to know,
though, is did they destroy the cabinets and all the interior work or
what was actually her? No, the only thing destroyed inside was a window,
the emergency window. Okay, okay, that's all. Then what what
about the outside? The outside. It was the the the driver rear side
nearly like, how bad is it? How bad do you have a Okay,
listen, but it's I know, I know. So what we're going
to try to get me get an estimate and call me back. Just do
that. That's the first thing. Okay, I believe you can sue the
driver of the other she destroyed your property. Okay, it's not a vehicle,
you're not. It's you're not looking at it like buying a vehicle.
It is your personal property, on your property you were working on. You
have a right to be reimbursed for what it truly takes to fix it now
and then, and then you can substantiate that you want to fix it based
on your receipts. That's the way I would go. I would not even
talk to Fred Loyer anymore. And once you put once you go to small
claim squirt, they either step in or you get a judgment again. This
woman, uh and that woman will have to go to Fred Loya. I
just would not mess with them. Right now, do one thing at a
time, get your estimate quickly, and get back to us. Three oh
three, seven to one to three. Talk. Ron's got a question.
About hand and I got it. Let me ask Brian another question with hold
on, Ron, Ask Ron if you can hold uh? Mark, I
wanted to try to get to him. Go ahead, quick, let's do
it. Go ahead Mark, So, Brian, if I repaint my car,
I got a little lost in the paint job. So I have a
night. I have a two thousand and four Tours that was green, and
you know, I go get a paint job for one thousand bucks at one
of these paint job places and then someone hits me they owe me an additional
thousand dollars at that point. Paint is a hard one because your assumption is
that the car is already painted. So I hear you, Mark, Mark's
after that three grand? And I don't know how much how many times I
can say this. If she was driving on the street as a motor vehicle,
it would have been a completely different story. Then it parked on her
personal property as a project. It is personal property, it's Brian, and
I'll tell you that that owners might cover this. It changes the nature that
woman came on to her property and destroyed something she had. This woman did
not have it as a motor vehicle at the time, and ensured as a
motor vehicle, because you're right, all of those arguments would come into play
if you're driving around a motor vehicle. They would still be responsible somewhat for
personal property, but the paint job would be more apropos on the road than
it is on a project car. Well, and I am curious to see
what the cost is to repair this, because let's say the cost to repair
the outside is four thousand. She basically just told us there's no damage inside
if they're given her forty two hundreds. Right, That's what I'm getting at.
That's why I want her to get an estrument. We'll figure it out.
But Mark's right, you don't just pay out the nose because you got
an old vehicle and you put too much money into it. No, but
let's say Mark, on the flip side, if you put new wheels on
the on the car, you just put you know, two thousand dollars worth
of wheels on the car, and someone slams into you and they total your
car, you absolutely should be reimbursed for the two thousand dollars. That's right.
Any now, your company, different story. That's your company, their
company they destroyed. What's yours now the risk free service fee eight eight eight
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estate Man dot com to list your home with Remax Alliance three oh three nine
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three eighty six two five five five four. Let's talk. Okay, So
Jim's got a question about car accident. We have a compass insurance group with
us Brian Burns our insurance experts, so any questions on insurance, of course,
we're gonna take any questions outside of insurance as well. Plus, while
he's here, and when he's even when they're not here, they do what's
called the insurance check up. That means you call with your declarations page and
say, hey, this one I'm paying for my home, or this is
what I'm paying for my auto, or this is what I'm paying for both,
and what's out there, and they let you know what's out there.
A state farm agent can't do that. A farmer's agent can't do that,
an all state agent can't do that. Fred Loyer, American family. They're
all captive. They have one thing to sell, only they can't compare.
They can't. So, now, Jim, what's your question or concern?
What's going on? Man? Stupid question. I was involved in a accident
with two vehicles. I'm one. I'm in the right, all right,
tell me it was so when you say two vehicles, were you driving one?
I was sitting in a parked car when a truck bounced off of that.
Were you sitting in the driver's seat? Were you sitting in the driver's
seat? Yes? Okay, and you were parked? Okay, go ahead
anyway, So they've agreed that it's one hundred people, Well, hold on,
you were sitting there and what happened? A car bounced off of FedEx
semi and then hit me? How did it hit you on the side,
in the back, in the front where you parked legally? I was in
a turn lane, but I was parked. What does that mean? I
just stopped. He he's waiting. You were waiting for a turn signal or
something. Is that what you're saying? Yes, okay, so you weren't
parked, you were stopped. There's a red light, there's a fed Ex
truck coming at me. I'm going to turn the left and okay. So
okay, okay, bro, I got you. I got you, Jim
that we don't call that parking. We call that stopped. Okay, So
you were in a stopped car and what happened? Then? All right?
And another car hit you? Now what's the problem? Yes, so much.
My My vehicle has been in the shop for a month. Their insurance
is telling me that they're not going to pay for my rental. My truck
will not be out of the shop for another week. And I mean,
Jim, do you have on your insurance any rental car coverage? No?
Okay, you can't dictate the limits of the other guy's coverage. But that
doesn't mean they're not responsible to you. Well, yeah, I was just
going to say, it's actually in your own policy you're oftentimes limited to thirty
days. That's a very common restriction on your own insurance. Right when someone
else's at fault, you're not bound by that thirty day limit because you don't
have a contract with that insurance company. So unless they are saying you have
cause delays or there's something abnormal, they should have to pay for the rental
car, they should. But if the other guy has limits, but there's
no limit, like for liability, those thirty day limitations are for your insurance.
It's for your car, not for other p No, I get that.
Here's what I'm asking, isn't it isn't it visible? Hold on?
Isn't it possible that the other party has a limited liab their liability limits them
to thirty days? No for someone else? No, okay, gun liability
is a dollar amount, thank you, but not for not specific for rental,
it's a I have five thousand dollars, they can pay more. They
want what they're trying to do. Okay, So yeah, Jim that other
part and no matter what his insurance does the other party, they will be
responsible to you personally if that insurance doesn't pay they cause you this damage.
What's the name of the other insurance Farmers? Of course, who's your insurance?
Okay, they're both bad. Okay, so the other guy's insurance is
Farmers and they won't. Well, you know what you're gonna Here's what you're
gonna do. You're gonna keep the rental until your car is done, not
a day longer. And if that company says we're not paying for it,
you're gonna tell them this whatever, I don't care what you do. I
am suing. You're insured for the damages because they damaged me. And whatever
I don't get from you, I'm going to get from them directly, and
then maybe they'll go after you for bad faith. You have to really be
strong on that. Okay, Jim, did you understand what I said?
First? You tell them I got it. You tell them, hey,
I don't care what you do. Okay, I don't have a contract with
you. All I know is that your dude injured me and I'm getting what
I have coming. And then let us know what happens. But there's no
way they can't pay you. Now, how about with all these delays going
on, and thanks for calling, Jim, I want you to let us
know what happens. So Brian, back to you. Now, with all
these delays going on with parts supplies and all of this crap we've been hearing
about, tell me what happens if it's unconscionable. Okay, yeah, I
mean it could take three months, right, No, I know, And
if your own insurance is paying, you are going to have problems because your
policy is going to state that it's only limited to thirty days. But if
someone else causes some homage, yeah, I mean, like I said,
if there's anything that they're able to point to that says this is, you
know, more than just a normal delay. This is something that you're causing
a delay. You're liable' you're causing the problem, then they're not going to
pay that. But if you just can't get your car fixed, you can
argue the fact that, hey, I'm not the one that caused it.
You're insured. That's right, that's right. You see, this is the
whole concept. Their liability has to cover you. You do not have a
contract with them. They can't dictate terms and conditions to you. The only
thing that dictates terms and conditions would be law or reasonableness. For example,
as Brian said, if you tell the guy I like driving this rental,
I want you to delay my repair. Or you ordered something that wasn't on
the original car and that's taking a delay. Or there's three other shops that
could take you in today and you're like, nope, I'm only going to
work with this shop, but they're three months out. That's unreasonable. Yes,
exactly so reasonable. This will prevail. But if it's a legit damage,
these a holes have to pay it to you. So anyway, three
all three seven one three Tom three oh three seven one three eight two five
five. Now we talk to Randy. Randy, what's happened in Randy?
Okay, this is a question regarding my Homer's insurance. I also have USAA.
I'm extremely happy with them. My question is I was speaking to the
representative regarding hail damage. I told him that my roof was probably thirteen years
old, and he told me that didn't matter because they do a full they
do full replacement. I'm wondering, well they do full Everyone does full replacement.
But I mean, if you write, I don't know, somebody does
he What you're saying is it's not actual cash value, which is great.
Okay, that's what I mean. That's what you want to make sure of.
That's great. What I meant was if you have a full replacement policy,
it doesn't matter how old your roof is. But can they force you
at some point if they put a note in their file? Yes, can
they force you in five years? Can they say to him, we're not
ensuring you unless you get a new roof. They can non renew. It
has to be at renewal, but they can choose to non renew. Okay,
either at renewal or underwriting. Can they demand a new roof? Yes,
or terminate the policy? They can say that, yeah. But what
was your question on that? Well, my question was what was the difference
to the actual cash value in the full replacement IUE? And you just expla
big time, big time ACV takes your roof and depreciates it. So let's
say, to make it really easy, if your roof was a twenty year
roof and you had it ten years, you theoretically have used up half of
it. You'll only get paid for half, and then your deductibles on top
of that, and another wording that you'll find insurance policies because a lot of
them have stopped using the term actual cash value. But you'll see something on
there called a roof schedule. It's equivalent. It's just that they're spelling out
what the roof schedule is. So instead of saying, hey, it's what
actual cash value is, they're actually specifying. And you'll see a chart in
your policy that says every year that that roof gets older, it will tell
you what how much of it they'll pay for. So you have to kind
of dig through your policy to see it. But I see that all the
time. Now, okay, very tricky. One more question things. Okay,
on my policy, I have a separate wind and hail from my house.
And then it says other covered perils. When you say separate wind and
hail, is it a separate deductible for wind and hail. Yes, okay,
and it's got other covered perils. And during the summertime, you know,
inhale, wind and hail season, I lower my deductible to pretty much
almost the minimum. But you had said something about not getting the the two
percent deductible two percent I guess of the value of the house. Yep,
but I'm actually I looked at my policy and I am doing that for other
covered perils two percent, which is h That's it's abnormal. You can't usually
carry an all other peril that is higher than your wind and hail. Is
that what you're saying you're doing. You're saying you have a defined collision accuse
to me, a defined deductible on wind and hail, but you have a
two percent deductible on every other perils. I think it's just the opposite.
I know. I'm looking at my policy right here. I've got it on
my laptop. I can take my other peril coverage up to ten thousand dollars
all the way down the five hundred and then one percent, and then two
percent, and those are totally That's not a good that's not a good policy.
Bro. You need to get You say you're extremely happy with him.
I don't know why you are. Well, he's saying he changing, okay,
So yeah, what I'm curious about is if you actually try to go
through with the change. I have never seen a policy. I've been doing
this for thirty years. I've never seen a policy where the all other covered
peril is lower than the wind and hail, So I don't know if you
can actually do that at the end of the day, Like if you try
to submit that through, my guess is that your wind in hail will also
go up. But you know, I just have never seen it. But
and listen, pe okay, listen. You can hold if you have more
questions. I got to take a break. Three O three seven one three
talk. Here's what I want to tell you, though, Call for the
insurance check up. Anyone listening. There's no nothing to lose. You could
possibly save a ton of money. Three oh three nine nine to six nine
thousand. Go with a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for an insurance checkup free,
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 oh three
nine two zero sixteen twenty two. Hi Tom Martine, here, let's talk
Randy, do you have any last minute questions here? Randy, I'll let
you. If not, I'm gonna go on to Connie. Randy real yeah,
I have a real quick, quick go ahead, sir. Considering looking
at other insurance companies because of price. I've heard that some insurance companies,
if you have a little wire in your house, we'll require you to update
that before they'll know the issue. You a policy you know well of finds
out if that's true. Yeah, you know, it actually is difficult to
get insurance with aluminum wiring. I will tell you this. I came on
not too long ago because someone was struggling with this. I will tell you
as I look through applications, so a lot of a lot of companies don't
even ask the question. Now, if I was to call them and say,
hey, this home has aluminum wiring, they would say, I don't
think that's a good fit for us. But what I'm telling you is that
doesn't mean that they have an exclusion. Don't ask, don't tell. That's
kind of what the what the problem is there? Yep, listen, you
could you could do this. You could try right and if they say,
you know, Compass can can accomplish that in one phone call and compare you
with twenty five or more companies. Okay, I think the starting point is
before you go down the road of having even the conversation, but the aluminum
wire, since that's not a question even on the quoting or the application.
Just get a quote and if and you can see where that's coming in and
then if it's if you're seeing that it's big savings, then we can talk
a little bit further. But it would always say a savings. In other
words, if it's a big savings, now it'll be proportional savings. No
matter what, it's going to be proportional. So even if it's a little
more expensive, it'll be a little more expensive everywhere. But they can give
you a really good idea of where you stand exactly. Why is there thank
you Randy. Why is there still a disparity on what people pay? Why
is the insurance check up working? Why is it working? Because I thought
everything just went sky high, everything went up, but there's still, you
know, different rates out there. So even with us, when someone calls,
all see rates that vary by over three hundred percent between carriers. So
far, this is the longest I've been with a carrier. Why? Yeah,
because your situation, as far as what you have insurance on, it's
a limited number of carriers that are going to do that, plus your occupation
and everything else. You're just in a situation where there's not a ton of
carriers that are going to want to do it. Mark lies about his occupation,
so he gets around it. So anyway, let's go to Connie.
Connie, what's happening? Hi, Hi, Connie, what's going on?
We're taking my car? Well, I don't know if I have any recourses.
At least I will get the word out. My husband passed away.
And he when did he pass away? When it was May third, twenty
twenty two. Oh okay, I'm sorry, put kat Okay, so May
twenty twenty two. Uh huh, go ahead. So he made these sales
in November of twenty one up in Cordillera in Edwards, Colorado. So there
were four significant sales. Now, did he own the company? No,
he worked for Eco Roup and Soler. They're based out of Denver, Louisiana.
Okay, Texas. Now, now he made these sales and he was
a commissioned salesperson. Correct. Okay, So did they did he die with
them owing him money? Yes? And he okay, So let me ask
you that he died in May of twenty twenty two, he made these sales
in fall of twenty twenty one. Why didn't he pursue you know, after
all those months. Why didn't he get paid while he was alive. Because
they don't start work up up in Edwards County or up in the mountains until
spring or maybe even early summer, so he wouldn't have been paid until those
jobs were come Okay, And by the way, many companies, here's what
I'm going to tell you, if they're normal policy, not for people who
pass away, but if their normal policy is commissions are doing payable upon the
sale. That's one thing some companies don't do that. The commission is doing
payable upon completion of the contract or execution of the contract, meaning or or
excuse me, when they start work. So really, whatever their normal thing
is, that's what would happen. So if in fact, they didn't start
the jobs until after your husband died, and that's their normal policy, then
you wouldn't be owed the money, but you certainly would be owed the money
if they pay most everyone else when the sales made. So do you know
what their policy is or what it has been in the past. I would
say, I can't tell you one hundred percent, but based on his pay
yeah, his pass would get paid when the jobs were finished. Okay,
Well, then might get like a little. He could ask for an advance,
or he could ask for you know, some of the money up front,
which he had done before. No, I understand that. But was
it doing payable or wasn't in advance? He didn't ask for anything in advance?
He was no. You said he could, but what But sometimes sometimes
here's my gut. My gut is it wasn't doing payable and he died and
someone else took it over. That's my gut. If if did you?
By the way, have you called the company many times? I've been in
contact with them since my husband passed away, and they did tell me they
were going to honor, you know, and pay me. So how much
how much was he due? I mean, if he was alive and the
jobs were completed, how much would he have made? I would say between
five and fifteen thousand per job? Oh my goodness, gracious, yes,
Now you could really use that money, I imagine. Now, Connie I
could. Yeah, Connie, tell me this. Are they willing to pay
anything? When's the last time you talked to him? I guess maybe three
months ago. Now they have me black. I also called the partner and
he seemed quite willing to work with me. But it's the offer. Chief
in mind, Connie. They may not. They may not owe him the
money. They may not. I truly my question, like, let's put
it this way, what if he left the company? Would they have paid
him instead of dying? If if he left the company the same time,
what you have been paid for that? I don't think he would have left
the company without being paid, But yeah, probably not. I don't know.
I don't know what kind of but that's the point I'm making. If
they're if commissions are due when the job's complete, they have a right to
have that policy, and even though it leaves you on a lurch, they
have a right to do it. Now, of course, a company could
say, you know what, he made the sale, we closed on it,
we did the job. No one else really lifted a finger. Let's
toss her some money here. I mean, here's what I'd like to do.
I would like one of our people to call them, since they have
you blocked and just not demand anything, but see if they'd be willing to
pay anything, that would be awesome. Who should we do? Who should
who do you recommend? Mark or Kachina? Who do you recommend that we
have do this? Dollar? I've got dollar and chopper here today, let's
have don't do we're going to share any information? Well, who knows,
we'll see, We're gonna we're gonna walk in with information. We're gonna say
you recently had this guy passed away. We're just curious about his widow.
I mean, if your policy is the jobs complete, if in reality no
one really had to work at it, I mean, who knows. It's
a toss up, Connie, but I think it's worth it. Try it
can't hurt. I think you put it perfectly. If he just got up
and left one day, yeah, I would turn out. Yeah, probably
would not have been paid. And yeah, there's so many instances where people
think something changes with death, meaning that the policies even it's crazy. Wouldn't
it technically be the estate going after the money at this point if lawyers got
involved, Well, let's say there was a legal obligation, Yeah, it
would be. But then it would just go to her. I mean,
because if she was his representative, it would be the same as him going
after or the estate. But I think this, I think that he's probably
not going to be due because they're going to say, listen, if people
leave, yeahin death is leaving if they don't follow through the sale. We
only pay commission upon the completion, you know, Connie. We get calls
at least I don't know. I'd say monthly, maybe maybe bi monthly where
people's mother or father pass away in an old folks home and Martin, you
read my mind. You read my mind, yeap, and tell her what
happens. I mean, it's amazing. Well, the lease is still valid
and if they really want to, they can go after the estate for whatever's
not getting paid. Yeah, if the if the woman or man died without
giving notice, I'm serious, If you don't give notice, then they have
to pay for the extra month or two or let's say there's a sixty day
notice required and someone dies, they can hold you to that sixty day notice
and take the money out of the estate. I'm Tom Martine. We got
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.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens of insurance companies find out
now three oh three seven 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. I
might have just done it earlier today. I don't know, because I was
talking to Brian. Brian texted me something. I texted him back, but
I may not have been on Brian's phone. We'll see three oh three seven
to one three talk Treero three seven one three eight two five five. Hey,
listen, don't forget. I don't say this enough three oh three Martino,
because that's the one out you can call twenty four to seven. Leave
your number, We'll get back to you and get you on the show.
Three o three six two seventy four sixty six. Don was going on HI
to them. Hey, I have a homeowners insurance question. Yes, sir
kind of has to do it. Yeah, you know how like flood insurance
is cost prohibitive, so we don't move in. It's cost prohibitive only in
a floodplain. That's why had they have the federal subsidy. It is very
reasonable everywhere else. Okay, so here's my question. Kind of associated with
that, I'd like to move into the trees in central Colorado? Would and
we have a family presence in beautavist The sort of thing is the same true
of fire insurance and a forest I no, go. Yeah, it's not
even just cost prohibitive, which I guess would if you could get insurance,
it'd be cost prohibitive. But it's really hard to get insurance. What kind
of insurance if you're ten miles away, it's bad. You can't wait a
minute, you're telling me that I have a house in the forest, I
can't get it covered? Yes? What? Yeah? Yep? And you
know Colorado is trying to put together a plant Well do they do? That's
going to be the perils except fire? Well, they just won't ensure you.
But I have seen companies they will offer insurance and say, but we're
not going to cover forest fire right now? I mean what do they consider
force marks near a lot of trees. I'm going to rat them out ten
miles. Yeah, it's within five miles of a fire department. Used to
be kind of the standard. That's no longer even it they So what insurance
companies go by getting insurance? He's grand because I have two fire departments.
Pretty damn close. Yeah, but it's not even it doesn't even matter about
the fire departments. Really. What they look at now is called a fire
score, and your fire score can be from like whatever, zero to one
hundred, let's say, And if your fire score is above fifty, it's
really hard to find insurance without going to a specialty care. Do they count
it there? Wait? Wait, wait, there's a huge flaw in what
you just said. And I'm talking about my house when you shot me last
time. You guys shot me every year, which really strange. Some companies
have my fire score is way higher than other ones, so it's like completely
arbitrum. How do they determine that? Yeah, and so that's the problem
is you start to try to push down on their fire score and they say,
well, that's our proprietary information, so they don't it's not it's not
a standardized amount, because like some carriers go up to one hundred, and
I've seen others that like say that it's a different score up to eighty let's
say, so it just depends on the carrier. But they all are using
fire scores now, and if your fire score is high, it's really hard
to find a admitted carrier in the state of Colorado that's going to take it.
And that goes for like Evergreen. You know, carriers like State Farm
used to write homes and Evergreen way longer than anybody else did. Well,
not anymore. They're not taking any new homes in Evergreen. They won't ensure
them, and so you have to go to a specialty carrier for it.
Okay, now go ahead, Martin. Were you going to say something?
No, this was this was the caller. Do Yeah, I'm sorry to
leave you out. I'm sorry to leave you out. Go ahead, since
you're the one that called don Sorry. Well, no, I'm a little
more confused than ever like that, So I don't. I just can't shop
the forest unless I self insured kind of thing. Well, what I was
saying that is that I don't blame them. It just what I what I
was saying is that you might be able to find insurance with a specialty carrier.
Like, we have a specialty carrier right now. The name of it
is called Vault V A U L T. And this is a company.
It's not admitted, so it's an it's a surplus line carrier. What does
that mean. It's not regularly but regulated by the state of Colorado. You're
you're not you're not bound by the same rules of Colorado. It's didn't know
exempt companies were allowed to even Oh, there's tons of them here. Yeah,
Like have you ever heard of a broker called Burns and Wilcox. No,
they're a huge Uh so they do companies and so they just deal with
with why are they allowed to sell in a state where they're not licensed.
Well, it's not that they're not licensed, they're just not admitted. They
don't have to file their their rates with the state of Colorado, so they
can make changes quickly. Yeah. But but okay, but there's something to
be said about that. I mean, what I mean is sometimes that might
be our only option. Yes, well, and that's when you go to
surplus is you have to have denials from admitted carriers first. But it's not
hard to get denied whenever you're in a high fire risk area. So for
this gentleman's case, before you go spend the money on buying the land and
buying and starting the process of building a home, work on the insurance first.
Make sure it's something you can even get insurance on. Wow, okay,
hey quickly, I saw one area where the two acre parcels they don't
the parcels are on well for home use and agriculture, but there's fire hidants
in the street. Well there's something like that. I mean, how do
I can we figure out our own fire scores? There some form I can
start using to look at different properties. No, you know, I mean
yeah, if you're more in an area where it is closer kind of to
Mark's point, you're within five miles of a fire department and you have fire
hydrants, you have a much better case to have a conversation with an underwriter.
But that still doesn't determine the fire score. Yeah. If you think
Green is within fire, fire says a big fire and there's no water,
that's a big problem. That's a big problem. But what I'm telling you
is, like a place like Evergreen has fire departments within five miles and they
have a lot of places have fire hydrants, yet they're still not eligible with
most standard carriers or most most admitted carriers. So I'm just saying, just
because you find a property that has a fire hydrant within close proximity, that
doesn't mean you're going to have a low fire score. Wow. Okay,
well that's that's helpful. Why are you living in a forest? Man?
Are you living in a forest? No, I would like to. We
have a little house in town and being a and then a little sister has
a little farm outside of the investa. She's the one that's on a well
but has a hydrant. But I wanted to move, you know, retire
up there kind of more in the trees. Yeah. I see what you're
saying. You know, man, that I just did a quote for someone
that moved in an area that is was impossible to find a sure way?
Joe? How am I ended up finding it? It was? It was
in a more expensive home. It was about two point five million. I
found insurance for it. Uh. The premium on the home insurance was twenty
two thousand. Oh that was the premium. And let me tell you you
know what, God, do you know what the deductible was for forest fire,
was just for fire. I shouldn't even say forest fire, the fire,
the peril, for fire, the deductible one hundred thousand dollars. Go
with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check up. Free obligation.
In comparison, call Compass insurance paying too much your coverage at dozens of
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com to list your home with Remax Alliance three oh three nine two zero sixteen
twenty two highs tom Marts you know here three oh three seven one three talk
seven one three eight two five five. Brian Burns is with us. We've
been very, very busy talking about insurance. Wow, more than we've had
in a long time. That's because insurance is getting so expensive and yet it's
such a necessity. I mean, no one wants to be unassured right.
Our number is three oh three seven one three talk seven one three eight two
five five. You can also call three oh three Martino twenty four seven,
three oh three six two seventy four sixty six. Now something I want to
say that when when they're not here, they still do this insurance checkup.
So I want you to be able to call them, because we're going to
use some examples today of people who saved money. Okay, so the insurance
checkup is three oh three nine nine thousand, three oh three nine ninety six
nine thousand, have your declaratious page ready and then ask him any question you
want. We'll take all of your calls coming up. That means both your
consumer calls and your insurance calls. They're both consumer calls. Right, whatever
you have on your mind, give us a call, and we have more
coming up on the Troubleshooter Show. Three oh three Martino three oh three six
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Excel Roofing dot com. You don't pay us sex until you're content, leave
time for an insurance check up free, no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance companies find out now three oh three
seven seven 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 rit News need so you don't have
come run in sustas as we can. Shooter's gonna help come Man six is
the Troubleshooter Show. No Tom Martino time, Tom Martino here, Welcome to
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oh three Martino and you can call that twenty four to seven Leaven message.
We'll get back to you, or you can come right live on the studio
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Com just thirty nine bucks, a practical refurbishment of the entire system. Now,
somebody said, Tom, you know, don't these companies just want to
get in your home and sell you something. Now, I'm going to tell
you something. They do want to get in your home. They do want
to become your company, but they don't want to fix something. They don't
want to replace it if they don't have to. They want to leave you
with a great impression of thirty nine bucks. Now, this is for most
legit companies that have specials, but especially this one. Now, but here's
the deal. If they do find something wrong, they want to tell you
you have a choice. But if you ever have a question about anything.
Ever, when it comes to any kind of loss leader or deals for any
company, no matter who who it is, what you should do is basically
get a second opinion or write or write it for a while. I mean,
unless something is urgent and you don't have poison spewing into your home,
or when it comes to your water heater, you don't have leaking and you
don't have big problems, then take it one step at a time, for
all home services, for all mechanical issues, for all problems. Anyway.
That's that's my little two cents there now, Steve welcome, appreciate you calling,
and anyone else who wants to call give us a call right now three
oh three seven one three talk seven one three eight two five five. He
wants to talk about an HOA. Go ahead, Steve, Well, thanks
for taking our call, Sir. We have lived in this home about these
seven years and four and a half years ago we wrote a detailed letter to
our HOA about their property that's adjacent to our backyard. We gave pictures,
showed them plants that had died. It's just gotten worse left eighteen months where
a sizable portion of our backyard we've lost about ten plants. And it's the
erosion of their property. Are they just totally not maintaining it all this time?
It's been four and a half years. They have not changed it at
all. In four and a half years. It's got quite a slope and
it drained straight into our sideyard and then last year during the heavy rainstorms,
it contributed to helping flood our basement. Okay, so it's really have you
talked to the neighbors, Well, the HOA is our neighbor in this case.
They own the piece of property adjacent to us. Wait a minute,
Wait a minute, so it is not a residence. I know it's HOA
property, but when you say, ha property. Is it a swimming pool,
is it a clubhouse? Is it? What? What is it?
Common area? What is it? It's just a piece of dirt, open
space. So it's common uncommon area. Yeah, it's uncommon. I mean
no one uses it really, Okay, So okay, so it's the Hoy's
property, which means part of your property. What's going on again? Like?
What are what? What? Like? What are they doing about it
anything? I mean you would think they'd want to fix it, right,
well, you'd think so again. We tried a few years ago, and
then we just tried again about ninety days ago. We asked them to come
out and look at it, and it was getting so bad they brought out
a landscaping company. The landscaping company thought that, you know, during the
discussion it needed to be repaired. But when it went to the board meeting,
this last is your house the only one? Is your house the only
one affected by this? It is? And what specifically did you have an
expert look at it? Like? Is anyone telling you specifically what's wrong with
it? It's just poorly grated. We started, is there grass? What's
on it right now? Is it dirt? What is it? You know,
I think at one time it was just weed and so forth. But
because of the size of the slope, it's just erode it into nothing but
a large swaths of dirt, and so nothing's holding back to dirt from pouring
onto our property. Okay, did you know that you could go to the
county about that? You know? I did that actually, and the county
came out and sent several emails, and once the HOA got involved, they
said it was their private property, but the the county did believe that it
needed to be regraded. And now a couple of years ago, why why
is the HUA just resistant? Do you have an active board? Do you
have a management company? We do have a management company, and I don't
know if the board is active and knowledgeable, but well, what do you
do they have meetings? Does the HUA board have meetings? They do?
I believe it's every other month. I went to a meeting four and a
half years ago, gave him my rule. That's not going to help.
You obviously have to go again. There's probably even different officers, and you're
gonna have to threaten legal action. I don't know what else to do,
man, I mean, we can call them for you. But ha's Of
all the problems we handle, hoas are the worst because no one cares.
If there's no one person who is the HOA, so no one cares about
any part of it any pot. There's not one HOA that I know of
where people care. They say they care, but they don't. They all
care about certain things. No one cares that as a community. The management
companies especially don't care. Management companies simply want to keep the HA quiet and
peaceful so they can collect their fees. That no one, no one,
and I mean no one wants to address HA issues. No one, they
don't. There's they that the officers want to avoid it and the management company
wants to avoid it. It's the sheer nature of the operation. So what
you have to do is upset the status quo. You literally have to upset
the status quot. Now, one of the unfortunate things is that if you
had an attorney write a letter to the HA threatening legal action if they continue
to damage your property, you're going to have to show damages and all that,
of course, but then if they respond with an attorney, it comes
out of the HA. So you're going to be paying for part paying for
fighting you what they should do. What they should do is say, instead
of hiring attorney and fighting you, they should say, what can we do
to correct the situation? But again, they don't act. They react,
so honest to God, I'm not just pointing this out to you. It's
just the nature of the beast. No one cares. No one does.
And frankly, when the people are on the board who think they care,
they get discouraged too because they suddenly find out that no one cares. And
so they're thinking, well, I'm on the board and none of the members
care, so we don't care. I mean, they may have brought it
up with each other and they don't want to spend the money. It's just
the weirdest thing in the world. Some you know, here's the thing.
Who's your management company? What's the name of them? It's Canterbury Crossing is
the homeowners Association. The management company is a local company downtown Parker. Have
you ever gone in to visit the management company. Actually, I've talked to
the head of the management company and also he sent out a management person about
three months ago. And what did they say, you know, they said
they would take it to the board. They had the landscape company come out
here and meet them. And during those discussions, I was barely encouraged because
the management or the landscape company, what happens. What happened, Uh,
basically on Monday night, they met and they decided that they're not going to
do anything. Okay, that's what we got to name. Then then they
aren't ignoring you. You got your answer. They're not going to do anything.
And by the way, that is exactly what's supposed to happen. They're
supposed to talk to an expert. Then they're supposed to meet amongst themselves and
make a decision. And so they are handling this. They have decided it
is not an issue they had unfortunately for us. But that's not what I
heard during the meeting with the landscape company. He could see all the damage
being done. Yeah, but they decided not to do anything. Right,
right, Well, they have a choice. They can do that. I'm
not saying it's right, by the way, I hope you don't hear me
saying that. But what I'm saying is you live under their rules and they
say, now there is no problem. Now you disagree. But when you
disagree and they don't agree with your disagreement. That's why it's a disagreement.
You have to take it to an outside arbiter. And if either arbitration,
if that's what you as signed up for, or you sue them. There
is no other answer. They've already handled it. I thought they weren't handling
it. We were going to call and try to light a fire under him
to look at it. They've already looked at it. Now you can use
in your lawsuit. You can use the landscaper. What did the landscaper say
it would take to fix it? How much did you find out? He
never gave us a price. He just talked about how he would go about
fixing the issue. Get a price. You're gonna before you do anything,
you need a damage And your insurance company did they subrogate against the HOA when
your flooding happened. You know, we ended up doing most of the cleanup
and then all we had to do is replace about a twelve x twelve piece
of carpet for four hundred bucks. Okay, well then you're lucky. What
you ought to do right now is get a price on what it would take
to correct that drainage, a real price. Then your attorney presents to the
Hua the choice of paying that and getting it done or being sued. Okay,
it's unfortunately what you have to do. And then you know and then
and then you can stay in touch with us each step of the way.
But sometimes it sounds like a pain in the asked eve. But it's something
that once you start might just they might just have enough common sense to say,
let's fix it. Like what if it's only going to take five thousand
dollars to fix it? I don't know. I would call the landscaper and
see if they'll if he'll give you an idea of how much? All right?
And then when you always here's the quickest way to a solution. You
present a problem and then a solution. And if you present just the problem
and the solution is wide open, they don't like it. So give me
a call back and let me know what happens. Three O three seven one
three talk seven one three eight two five five eight eight eight. Heating dot
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to one help. You'll think you're his only customer when you choose Frank durand
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three nine two zero sixteen twenty two. Tom Martino here three all three seven
to one to three talk three all three seven one three eight two five five.
We have Compass Insurance Group with us, and my goodness, we've had
a lot of insurance calls and now I'm going to go some text messages about
insurance. And somebody said, Tom, you were going to talk about increases,
but you didn't talk about it yet. Why, Okay, I know
what you're gonna say, losses, But does that go for auto and home
and everything and around the country. Brian, we're talking about around the country.
Okay, we're not just talking Colorado, so let's talk about what's going
on around the country. Why why why insurance is going crazy? Well,
I mean if obviously, if we're talking about auto, yeah, let's okay,
let's take one at a time, whatever you want to do. A
big reason for the increases in auto is also the increased cost of the vehicles
that we're driving. So, I mean, just look at what the cost
of vehicles are. They're going up and the more and more they're becoming like
computers. A small fender bender is costing substantially more now today than okay,
I can buy that. So that's going to have an effect on your insurance
rates. It's going to go up, you know. And I know we're
talking across the country. Uh, obviously in Colorado we have added elements to
that that is causing our rates to go up even more. Guys, there's
one word for this, and you both know what it is. Inflation Bidenomics.
Do you think so, Mark, really, I mean, what do
you think Brian not be getting but our current economic client. I don't know
if that if that is it, I don't know. I know it's not
COVID anymore, is it? What is it? Well, I I'm going
off of with Colorado. If you're there was actually an article and I wish
I would have pulled it up in Denver Post just uh maybe a month ago,
a couple months ago, talking about how Colorado rates have just gone nuts.
Here. Okay, so that's not Biden, I mixed Colorado Colorado.
Colorado has had more hail losses to vehicles. They're number two in the entire
country, right behind Texas. So they've had more losses as a result of
hail than any other state in the country other than Texas. So you're going
to see that that's going to have an effect on your rate as well.
So in Colorado it's higher than the country. And how about the thirty five
percent of people that aren't even covered with auto insurance in the state of Colorado
and the sixty percent plus that are actually undercovered. How about if we change
right, are not covered at all? Which mark you're exactly right. Another
piece to what you're seeing your where you're seeing your rates go up is on
the uninsured motorists. Right so far and so far in twenty twenty four,
the number one New York has the highest rates. Florida is number two,
Louisiana is number three, three, Colorado is four. Wow, yeah,
number four in the top five. Oh my god. And that's because ours
can be tied to hail damage. That's what hail damage is. And fires.
Let's not forget fire, but not cars though, Mark, we're not
talking to houses now, but cars. Yeah. Yeah, And then okay,
what about homes? What about homes? Well? Home insurance? Still
are we number five? Are we up? I just saw the thing that
said number four underneath auto insurance. I'm not sure about home insurance where our
rates compared to the entire nation, But I guarantee you it's it's up there.
It's up there, and costs it's not going to be as much as
Florida. Okay, we're gonna find out in a second year. I'm asking
Professor bing So really, Oklahoma, Kansas, Nebraska, guess what Florida,
Colorado, they're up there, there we are. And that's all because of
weather. That's all hail and tornadoes and it marks right, there is fire.
But fire is even though it dominates the news a lot of times.
And there are places that are hard to get insurance period. What drives they
said, Colorado is one of those. Yeah, what drives the rates in
Colorado for home insurance too is hail. Hail is what cause? They say
here in Colorado. Wildfires and hal are the two biggest ones. Yep,
wildfires and hal now in Florida. Hurricanes in Nebraska. Hmm, it says
similar to Kansas and Kansas is basically they don't give a specific it must just
be weathered. Well, yeah, I mean you think of tornado. Those
tornadoes are isolated. I know that what tornadoes offense to me. I don't
understand tornadoes because they're isolated, although they do devastating damage right hit and then
Oklahoma is the same, Oklahoma, Kansas, Nebraska, they're all they're all
right up there and and they're they're a close top five by the way,
So it's it's a tough business. How does this make your your business difficult
right now? Well, people are getting pissed off and you got to find
them a deal. But you can't find them a deal three or three seven
to one to three talk. By the way, if you guys have a
problem, question, complain, or you have an insurance issue, go ahead.
Yeah, the biggest struggle we have right now is that there's a lot
of carriers that have really made it clear they don't want to grow in Colorado
right now. A lot of them have shut down business. They won't even
take new business. So we have customers that will call or we'll reach out
to them at renewal and say, listen, here's your rate. We couldn't
look at other options, but it might cause a higher deductible. Well,
we need an insurance pool at some point where they're talking about takes over.
They're talking about it but specifically for the fire risk areas, and they but
it's a very limited amount of coverage and it's it's only covering fire, so
you still have to have insurance. Well you also have that for hell companies
start pulling out, you would have to. Yeah. I don't see Colorado
having some kind of pool together for damage. I know what I say.
I see hailproof roofs as being the only standard. Yeah. Yeah, like
Mark, you have that roof, then it it takes a hail and just
absolutely nothing happens to it. You're your roof can can take the impact?
Yeah? And is that right? Roof can't take it? It's catastrophic,
That's what I mean. Yeah, yours, And I'm just wondering if more
and more people are going to go to that kind of roof. And mine's
in essence heals proof too when you talk tile stone. Yeah, well,
the problem with the hail proof stuff is most people aren't going to come out
of pocket like my roof would have been, I don't know, seventy eighty
thousand for a normal class four. This stuff is double in more so.
So I mean, most people aren't going to pay for that. It's a
problem. Brian, No, you're right, but if because it for that,
but if it gets to the point where you're paying for your own roof
in the case of a loss, you're going to do things to Tamark where
it's not gonna happen as frequently. So, Mark, what is the So
the upgrade on that was basically double Yeah, it's a little more than double
wow. And now what do they say about premium? Did you save?
Did you could you calculate that? Well, the premium doesn't. The reason
the reason it changes is because you up the deductible. That's why went to
the very high deductible, just because they do, though you get a reward
for it. But Mark, you're right, the bulk of your savings is
going to be the fact that you don't care if you take a twenty thousand
deductible anymore, because your roof can hold up to this Catastruphe specifically for Hale
is what I'm talking when in hail deductible, you can raise that up because
you're not worried about that loss. I say this to people that have concrete
tile roofs, I say, you know you have the investment already in the
roof. I would take advantage of that gear your premium lowered because the chance
of you having I have that on my roof of higher. We do see,
and and that's because of the the hell proofness if the that'st word of
the roof. All right, let's go to bry or deductible by the way,
the barrels are these both? No, I want to go to Brian
with the homeowners insurance question. First, go ahead, Brian? How are
you? Hey? What's happening? Hey? So, what we're doing is
we are going to be building some modular homes. Now, what I'm wondering
is, when we get them built and they're in transport, how are we
going to ensure that? All Right? Hold on me. That's a great
question. We're going to because I I that's weird. That's weird. We'll
we'll look it up, we'll talk about it coming up. Three oh three
seven to one three talk that. Brian's next, then Brian another Brian is
after that, and then we have Brian from Compass Insurance Group. Brian Day.
Yeah, I'm Tom Martino. Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay a cent until you're content. Time
for an insurance check up free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance companies find out now three
oh three seven 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 Martino
here three three seven one three talk three oh three seven one three eight two
five five. So back to Brian. He had a question. He's building
a home manufactured home while it's being transported. I want to ask an obvious
question, does the transport company have insurance. Well, and it's usually who
is owner the owner of the house. Usually they don't. You don't take
ownership until it rerives at your I don't know, like your land. Like
Brian explain that to us. You're gonna have it transported. You bought it
from a company. Do they ensure it until it's set up? Well,
we will be the company and we will be shipping them. Now what do
you mean you will be Oh? Wait, you are building you're in the
business of building manufactured homes. Well, we're not quite yet, but we're
getting pretty close. And it's kind of really Now hold on, do you
have a factory or starting Uh? Essentially, yeah, we're getting the numbers
right now. So we're gonna we're gonna try to start start building some manufactured
home. How are you going to do it? Are you going to do
like two pieces? Four pieces? How are you going to do it?
Actually, these are gonna be two stories and they're gonna be three pieces.
Very cool, man, that's what gave you the idea to do this.
Well, it's kind of weird because I talked to you about it before when
we were building sheds and we were we were training the sheds over the houses,
so it's sort of morphed into this. Okay, so do you have
your first design? I do, and I'm actually talking with I'm getting some
architecturals right now and we've got to get some structural details. But other than
that, we'll be ready to go. And we've found some properties that are
decently priced to where people can afford them. So we're the only problem with
building The only problem with building it in pieces like that is you have to
have you have to have actually more structured than you would if you built it
on site because some of the things you can keep in common you can't do
while transporting. But right, right, but let me ask you this.
Do you have a transport company? No, but we will be we'll be
supplying transport or No. I understand that, But have you talked What I'm
getting at is this, have you talked to transport companies? No, talking
like APEX or someone we have? Not? Well, I would do that
first, so you're not redundant. Many of these transport companies have already tackled
this, but Brian's too. Yeah. One thing that we have to do
is we're going to be building the main structure on the actual trailer. Why
on what trailer? So on at Goose Neck trailer will be well, why
why would you do that? Let me ask you? And then how do
you get it off that trailer? When you get it to the house.
You crane it? Yeah, we're going to crane it. But why build
it on that? I'm just curious. I'm not I don't know anything about
this, but why would you do it on there? Is it just easy?
Is it just one less step? Then? Is that what you're thinking
exactly? So you don't have to get a crane out there to lift it
onto the trailer? Okay, well that's pretty cool. If you got the
trailer sitting right next to it, you might as well build it on it.
No, I mean that's a very good idea. Yeah yeah, yeah.
So well, as the builder, you're you're gonna have to have an
insurance policy. Insurance. Yeah, you'll have to get an insurance policy,
which we'll have the commercial general liability and property and all that. But the
transport is going to be a special animal. Well, but it's going to
be part of his because he's going to be regularly doing this, so he's
going to just make sure that he has the coverage to protect him up to
a certain dollar limit of whatever, or he's protected up to the point that
it's hooked to that transport company and they might take over, no no doubt.
If he can get the transport company to actually take on the responsibility,
great, If not, he just needs to make sure that his policy will
extend. Now, you know, I've often said this, Brian, that
building stuff under strict controls, if you have an environment of strict controls,
if you're not just stick building it anyway, you're just doing it off site.
I mean, but if you're doing it to certain standards and jigs and
all of that, you can actually turn out better quality than stick built on
site. Sure, well we have to we have to abide by the IRC
rules you know anyway, so hurt for HUT or any of that. So
we're yeah, but you want to go beyond that. I'm talking about going
beyond that anyway. So are they going to be what price ran like?
Like, are they going to be considered medium kind of homes, higher end
homes, fancy homes, what basic homes? So they're not We're going to,
like I said, we're going to try to keep them as affordable as
we can, so people here in Colorado can't actually buy them because it's almost
impossible. Now, what price point? What price point do you have?
We we're trying to stay within two fifty to two eighty two fifty to two
seventy five. So if you stay to two seventy five, would that include
transport? That's that's a three bedroom that's going to be complete? Is that
okay? That's on site? Yes, on their foundation, So we're not
going to be doing foundations. We're going to put these units on case on
so that we don't have all what if they have a foundation, will you
put it on their foundation if they want to put a foundation in Ye,
and absolutely so whatever they want to do. So, if they're looking at
two seventy five to the site and then you set it up and they have
a foundation, dirt working lot, then they're looking at a complete package of
five or six hundred probably we're going to try to stay under that five or
six hundred thousand. Is that what you're saying? Well, here, okay,
two seventy five for you, the foundation is going to be a minimum
of twenty five grand it's or more, yeah, minim Then then you have
the lot which is going to be two two fifty if it's if it's a
lot that's going to allow them to have that right, No am I am
I exaggerating. I don't think so. No, that's but we're looking at
properties that are more in the twelve thousand dollars range. What fees that are
are twenty five thousand. So you're oh, you're talking about like maybe half
acre, quarter acres? Yeah, you down in Pueblo, Colorado. Stea
no, no, no, now I know what you mean. Okay,
so you could keep that package to three point fifty Oh yeah, easily.
Huh that would be high. Now would you include the lot or will people
call you with their own lot and their own dirt work? Well, that's
that's what we're doing. We're sort of doing a spec to start. We're
going to do it all ourselves, figure out, you know, all of
the everything incorporated into it for pricing, and we're going to go from there.
But we're going to try to stay under two seventy five. What name
are you giving the company? So it's going to be called Cubic Hose.
Yeah, okay, all right, Hey, keep in touch with us.
I'd like to know how it goes, I love entrepreneurialism. I love it,
sure, I appreciate it all right. And so bottom line, as
Brian said, there will be general liability insurance and a certain amount up to
a point. They may or may not cover transport unless you include that,
but you may not have to if you call a transport company and they've already
done this before and have the insurance. We got more coming right up.
Michael wants to talk about a car accident. Brian wants to talk about the
other Brian's social security, and we'll have that right after this. Go with
a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven to seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three all three nine two zero
sixteen twenty two. That's sir, Hi, Tom Martino, you're a Troubleshooter
three O three seven one three talk three oh three seven one three eight two
five five. Welcome to the show, and let's talk now to Mike to
Brian about social Security. Brian, you have a question, Go ahead,
Brian, I'll go on, Tom good Man. What's happening? Okay,
I'm attempting to record a death with my mother in law. So I called
Social Security because I'm still getting medical federal benefits. She passed away in December,
and I've been trying to call Social Security, but all I get is
a recorded line saying you gotta wait on hold. He stead stay on hold
for hour and a half. Then finally it gets to a point where you
say to leave your name and number and we'll call you back because of done
precine call volume. So you're trying to she's still getting Social Security? Correct?
Have you been keeping that money in an account? Yes? Good?
In a savings account account? Good. I just don't know. I mean,
do I take off a company because they're going to eventually when they find
out, they're going to claw it back anyway, So what should you do?
I would if I were you first of at your mother in law?
So who's the legal representative of your wife, my wife. Yeah, she
needs to make an appointment with Social Security, probably because it's hell on the
phone, it really is. It just sucks. Okay, I mean has
she tried to do that and not? Well, she recently had to make
an appointment for DMV because that's the only way you can get in there get
a new license. So she'll have to. Yeah, I'll have to set
her up for that and see when exactly they can come see her. Now,
another thing on the same item, the healthcare facility that she was at,
the assistant care where she passed away at. We've been trying to get
an itemized statement of what the last month charges were because it's different than what
she was typically paying. What do you mean, how much off is it?
Well, it's about seven hundred dollars. She paid seven hundred more than
she was normally paying. That's what they're asking for. They're asking for twenty
three hundred, but she normally pays about fourteen to fifteen hundred for what is
this for a month or what one month? Correct? Well, it's because
of unless she died perfectly, she has notice required and they'll charge you per
diem. Okay, Although I'm trying to get a hold of them. I've
left multiple messages at the accounting department and we even got a live person once
and they said, oh yeah, well, well, an information very unlikely
that she died perfectly on thirty days notice. Sometimes it's sixty days notice.
Hold on, though, I have information on reporting at death as well.
We'll come back to you. And also Michael wants to know about an auto
accident. Hang on, I'm Tom Martine 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. Leave time for an insurance check up
free, no obligation comparison call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three oh three nine two zero
sixteen twenty two. Yeah news needs You don't have come run anxiousness as you
can. Shooter's gonna help coming man. This is the Troubleshooter Show. No
Tom Martinez, Hi Tom Martin, you know here, Welcome to the show.
Three oh three seven one three talk seven one three eight two five five.
We're here to help you solve your problems. Don't forget three oh three
Martino. You can call twenty four seven three oh three six two seven eight
four six six. I love Grossman Wellness. I attribute them to much of
my health. I've been going to doctor Grossman for many years, and I
pay a fat monthly fee for all my prescriptions by supplements, my blood work
every three months, and you know, not much can develop in three months.
And I'm not saying I'm bulletproof, but I will say this, thank
God for great medicine. And and here's the thing. It's proactive, and
it's an above and beyond insurance and all that. I know that, But
people, what is more important than your health, right, especially as you
get older. Huh Grossmanwellness dot Com for two forty nine you can get started,
just no obligation. Just get your blood work for two forty nine,
your exam and your your your consultation two forty nine Grossmanwellness dot Com. Hey,
So, Michael, Jimmy Brian's talking about socials security and I did some
research here. I did find a few things. There's a special line for
reporting death, by the way, and it's different from the regular social security
line. Did you know that, Brian? I did not. Well,
that's what they say. Now, it might turn out that it's just the
regular number, but this one says funeral homes usually report to this number.
If you haven't done it, you can call now. I'm like, I
said, that's what this is saying. But then the more I look at
it, it might be the regular number. What number have you been calling?
You know? Tom, I have that information at home, but I
it's a one eight hundred number. I know that. Yeah, that's what
this is. But are you in a place where you can write this down
just to be sure? Absolutely, yeah, And I'm not sure it's different.
But it's eight hundred and seven seven to two twelve thirteen. To me,
that sounds pretty general as a number. But the other one is you
must retain benefits or be penalized. And it says it is all right.
You can go to the local Social Security office and those to visit you.
The problem is, if you visit, you have to make an appointment,
and it looks like that number might be might be general. But I'm on
their website social Security and it says you have to file a report with the
Social Security number, date of birth, date of death, and have a
death certificate. Okay, and you know, I want to say, I
think I did something similar to that, But then it said I must call
on this number to talk to somebody, and was it the twelve Well okay,
well, well I think it might have been. I don't know.
You can do either one or you can make an appointment, and I think
they say their, Yeah, you go to your local office whatever that means.
You could probably look at that up, but let me know if you
need any help after you get home and look at that number and then try
to make an appointment. You did file something online though I tried and it
said no I couldn't. Oh yeah, they said you got to call this
number, and when I did, that's when I got to forever old.
And then they finally said leave your name and number and we'll call you as
soon as we can. God, you would think it would be easier.
Yeah. I just want to report the death, that's all I want to
do, and let them keep their money. No, I know that.
Yeah, Okay, let me know what happens on that, because when I
see this contact number, so it does seem it does seem that there might
be a different number. So I'm not sure I would try that number I
gave you that it did. That does seem to be a different number the
more I look at it. But anyway, let me know what happens.
Thank you, Brian three oh three seven one three talk seven one three eight
two five five. All right, Michael's got a question on an auto accident
by the way, Compass insurance we had Brian had to leave. We do
have some examples I'm going to be getting to on some insurance check up savings
we've made on that. Go ahead, Michael, Hey, Tom, I
was going today. Good, what's happening? Uh? So, I was
in an automobile accident back in January. Okay, the other driver, the
other driver kind of admitted fault. Basically, were you injured to work with?
No, there were no injuries. Good. It was a pretty low
velocity incident. But I was t boned. I was stopped at a stop
light and they were trying to take a right hand turn and they lost traction.
And okay, So we exchanged information and I got in touch with their
insurance company. Oh wait, no police report? No, and no and
no. Was it during accident alert? During accident alert? Well you said
it was in January and and and they lost traction. I was wondering if
it was storing a storm or something. Accident alert is where you don't call
the cops because you're supposed to call a cop and report this. Why didn't
you guys get a police report? So back in January there was a terrible
snowstorm there, That's what I meant. So it was accident alert. Yeah,
but then you're supposed to at least follow up with the counter report.
But you didn't do that. No, No, this happened up in Dylan
County and uh okay, yeah I didn't. I didn't didn't follow up,
sorry, Summit County. Okay. Anyhow, so I got in touch with
their insurance company and tried to make some headway there, and they told me,
uh, this is gonna hit a limit. I assume they didn't like
the policy limit or coverage limit. Well, what's going to hit a limit?
What were you putting the claim in for? Oh? So for the
damages because I want someone my vehicle to be repaired. What kind of vehicle
do you have to seventeen? Toyota's coma okay, And what do they mean
it's going to exceed damages? I don't understand that. So an initial estimate
was done, came in maybe two three thousand dollars, and I thought that
was low. So I brought it to a different shop and got an estimate
by you know, certified Toyota repair shop, and their estimate came in at
I think like seventeen thousand, so quite different. Yeah, But but are
these what's your what's your vehicle worth? I think the blue book is maybe
in the low twenties, like twenty two to twenty three thousand. Well,
they're not going to pay seventeen to fix it. They're going to total it
exactly, okay, And they have a right to do that. But you
have a right Listen, you don't have a contract with that other insurance company.
Who is the other insurance company Progressive and I don't know. And that's
a good company that in other words, they wouldn't lie to you. But
I doubt that they don't have a limit that goes up to totally that car.
I don't mean the state limits would be above the value of that car.
I mean, well, first of all, that what do they mean,
I don't even know what they mean. They can't that it's the limit.
Yeah, so I mean the driver is from out of state, they
hit me while they were on vacation in a rental car. You you ever
right to have your vehicle replaced? Okay. You can either do it through
insurance, or you can do it by suing the other victim. They're actually
me the other party. The other party might not have any money worth going
after, but how much are they offering you? Bottom line? So I
stopped working with Progressive and started working with my own insurance company. Uh,
okay, do you have collision coverage? I do, Well, that's exactly
what you should do. Yes, So that's what I did, but it
kind of resulted in, you know, similar outcome. Basically, their adjuster
came out said there was a few thousand dollars worth of damage. The garage
showed them their estimate, you know, put the truck up on a list
so they could get a closer look. And so now I understand, is
they want total the vehicle your insurance company, Yes, okay, but they
haven't. They haven't told me what the terms like, the different the value
for the payout is, you know, because I'm thinking maybe I'll hold on
to it with a salvage title. Yeah, and you could do that,
uh huh. So what you have to do is just do some homework.
We have a place called Petty Details and you can find them on the referral
list. Okay, and Petty Details, that's what they do. They specifically
do this, that's what they do. It's called Petty Details. Let me
find it here. If you just put in petty it'll come up. I
just did. Let me just go to it now, okay, sir,
here it is. Okay, So Petty Details what it does is it has
a free service to give you what that car should be worth or or if
they have to do more than that, it's going to cost you money like
go to court and all that. But I think that their courtesy service might
work for you. And it's Petty Details, and they're out of well,
they're all over the country. They're good people. Petty Petty Details appraisal services
that'll give you a fair price. But what do you want? Did you
do you have a figure into your head. I mean, what I want
in an ideal world is my vehicle back pre collision condition. But yeah,
but they're not going to fix it. They're not obligated to. They're obligated
to give you what that car's worth. Yeah, and you said it was
what year did you? Twenty seventeen? Right? Yeah, it's in twenty
seventeen. It's got about one hundred and eighteen thousand miles a Toyota Tacoma right
yeah, yeah, off road package. It's I mean, I've kept it
clean, I've brought it to the dealership for all the maintenance, never been
in a you know, major accident before. Well, there's a big value
depending there's a big discrepancy on value depending on the mileage. Sure, so
what was the mileage all over? One hundred thousand, one hundred and eighteen,
one hundred and nineteen. I think that's going to be on the lower
end, but I don't know, it's gonna be about twenty grand twenty two
Yeah, So, I mean I don't know. So if did you put
any improvements on it in the last like ninety days, like tires or anything.
Uh, yeah, I got winter tires on it that that was put
on last season. Listen, here's the bottom line. Even if you goose
it, it's twenty two to twenty three grand. So what's normally gonna happen
is if if if the settlement's twenty three and you want to keep the car,
they're gonna they're gonna take out a salvage value. So that could be
you know. So here's what's very important. It's important that you take the
salvage value figure and see if it can be repaired, and if not,
then it's not worth taking. It's that simple, Okay. So the reason
the the reason they repair cost is so high is because it's the rocker panel
was affected. Basically, there's a running board and the vehicle hit the running
board which is bolted into the rocker panel and which is the frame part,
which is a frame. It's way more than a rock Okay, yeah,
well it's no a rock slider I think is bolted into the frame. But
the unibody construction, that's my understanding, is correct. The running boards bolted
into the rocker panel, and so you can't the garade that they can't just
prepare that. They have to put in a new rocker panel, which is
taken up which means they have to take off you know, the door,
the hinge pillar of the which is framework, which is framework. Okay,
yeah, so that's I mean, so there's a safety implication here, right,
that's right, that's right. So you have to make sure it can
be repaired or you take the money. Okay, I mean, what good
is it if they don't take you. If they don't the money they offer
has to be enough to fix it. Well, the but the money they
offer is just going to be for what the market value of the vehicle,
right, because it's not calling it a total loss. Yeah, they're going
to that's right. But when you want to keep it, they'll take away
a few thousand whatever the net is. If you want to keep it,
there's one price. If they take it, it's another price. Okay,
yeah, that makes sense. So you have to take So you want to
keep the car and see if it can be fixed, then you need to
get the figure they're willing to pay with you keeping the car. So let's
say they're willing to pay fifteen and you can keep the car, or eighteen
and you kill whatever it is. You gotta make sure you can do that.
Three O three 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
until you're content. Time for an insurance checkup free, no obligation. In
comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies
find out now three oh three seven seven one help. You'll think you're his
only customer when you choose Frank durand the real estate Man dot com to list
your home with Remax Alliance three oh three nine two zero sixteen twenty two.
Hi, Tom Martino, your troubleshooter three O three seven one three talks seven
one three eight two five five. I want to go to Brian Burn Now,
I got them on the line. Let me bring them up and it's
about the some of the things we've done. Hold on, Brian, are
you there yet? Hold on? Hold on? Let me okay? Brian?
Hey, Tom O right, thanks So. The insurance check up as
you always do, but we highlight it on the days you were on the
show today three oh three nine nine to six nine thousand, and people call
and they get their decks page and see what you can do. In some
cases you can save money in some case. You're honest, you say,
no, what kind of examples do we have? Well, I have a
few here. I'll share a couple of them. But the ones that I'm
sharing I have to do with roof coverage because you and about it earlier.
But we had a customer call in there with Liberty Mutual right now, and
between auto and home. They were at about eight thousand dollars thirty two oh
six on the auto, fifty ninety on the home. We got them a
quote with a company called a Q and with a total savings of almost sixteen
hundred dollars. But we moved their coverage A on their home. They're the
actual dwelling them out from three hundred and sixty five that's what they had with
Liberty Mutual, we moved them up to five hundred and seventy two, got
and got them replacement cost on the roof. They had actual cash batus.
Oh my god, that is one of the all that and save them.
Yeah, that was one of the best deals I've ever heard. They saved
sixteen hundred plus. You got them out of a big jam when it comes
to ACV and if they ever had a total loss they were under insured.
Yep, exactly, so much better deal. We had another one here.
Uh, they are with all State right now, and we're being non renewed
because they were not non renewed. They were being renewed with no roof coverage.
They weren't gonna oh oh my god. Oh we we found them a
deal with Acuity as well, and we got them replacement cost on the roof
and saved them a thousand. Still, Holy crap, Brian, you're kitting
out of the park. What else you got? Although that's enough one?
Yep, there's one here. They were a customer with with State farm We
they only had ten percent extended no twenty percent extended replacement costs. We got
them uncapped replacement costs and saved them on the auto and home sixteen hundred dollars.
Oh man, this has been a great one today. Yeah, there's
been the and then there's a lot of examples of I see one here moving
from Farmers. We're putting them a Travelers. Saved them eight hundred dollars a
year. This one seven hundred dollars a year, moving them from liverty mutual
to acuity. I mean, so they're smaller examples as well. Okay,
so Brian, I want to remind people they can call you guys ask for
the insurance checkup. Is that on your phone tree yet? I'm just curious
about it. Yeah it is, Yep, it is good. You can
puis. I think it's number one. Okay, so whatever it is,
it's three oh three nine nine six nine thousand is where you start. And
man, I've been doing this for years. What a great idea and in
fact, you can't go wrong. Okay, thank you, Brian, I
appreciate it. That's three h three nine ninety six nine thousand. I love
it when things like this go on, right, I love it now.
Okay that was him hanging up. You heard that sound Sorry about that now.
I said that the FTC has stepped in when it comes to contracts and
they have said that they are going to basically outlaw in a way through their
regulation. It's not a law all of the non competes. They think non
competes are unfair. So basically what they said was that if you have if
you have a they have a rule, and if you have a contract with
a non pete, they're in essence banning it. They're saying that it's against
public interest. Now, a lot of business advocates. I consider myself a
business advocate, but I never really loved noncompete, having been in them my
most of my life in broadcasting. You know, you'd negotiate a great deal
and then they come to you and say, by the way, you can't
work for anyone else for two years after you leave here, and sometimes it's
a year. Sometimes it's you know, that can cripple you and it takes
away all your negotiating power. Right, But anyway, some business advocates are
saying that it's unconstitutional. I don't think so. I mean, I don't
know enough about the constitution to really get that deep in the woods with it.
But the ban is forecasted to affect thirty million million contracts. So what
it does is it takes away a company's ability to keep you from working.
Don't you think really? I mean, in my opinion, they should.
I mean you should be able to work now. Granted, if someone moved
you to a place and trained you, I would have no problem with a
financial responsibility if you don't work a certain number of years to have to pay
it back, but to forbid you to work anywhere else to me that that
is unconstitutional. And they're saying, well, what about trade secrets and all
of that, Well, that would have that's the separate civil action. I
guess that if you took trade secrets and took it to another company who competes
with them, it could be a problem. But this is one of the
things we have to tackle. And really, if you think about it,
we're getting more and more liberal when it comes to relaxing things like this.
I mean it used to be truly and this is not meaning I love it,
and I think, you know, the progressive way is the only way.
Nor am I saying the conservative way is the only way. What I'm
saying is this, when it comes to business, I'm all for business thriving,
but I also believe that workers have to be able to sustain themselves.
And if you're really good and great at what you do, you should be
able to peddle your wares somewhere, and you should be able to put you
know, put put it out forbid. Who's going to pay me the most
or the best for what I do? Because if what you do is not
that great, guess what, you don't have that ability anyway. Three oh
three seven to one three talks seven one, three, eight, two five
five. I don't know what you guys feel about it, but I think
doing away with this is not a bad idea. Joe, what is your
question? I'm going to take a quick break, but I want to get
your question and get started on it. What's going on? I just wanted
to find out if my rook being you know, twenty four plus years old,
do I have to notify my insurance company that I intend to put in
the roof on absent of aclaim. It's not a claim thing, I believe.
Okay, do you mind holding because this is a great call and I
have some advice, so we'll be right back. I'm Tom martine More coming
up. Go with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three all three, seven to seven
to one help. You'll think you're his only customer when you choose Frank durand
the Real Estate Man dot com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two. Welcome What's long to the show.
By the way, Frank durantirealestate man dot com does a free market value if
you're home for the asking. That's Frank Duran, the Realestateman dot com.
So if you want to you want to know what your house is going to
sell for, this is the way to do it. Get Frank on your
side. And there's no obligation to list ever. And that's three oh three
nine two zero sixteen twenty two. All right? Can you not hear me?
For some reason? Really? Right now? I'm quiet all of a
sudden, huh, I'll boost this? Is it better now? I don't
know what happened? I mean something happened to the broadband because I didn't touch
anything. And I know Mark makes fun of me when I say that.
How is it now still bad? My god? Well, something happened.
My meters are all the same here, So should I what should we do?
Is it all right? Okay? I turned it up. I'm gonna
keep turning it up, but I know I'm gonna be overmodulating tomorrow. But
okay, you all right? Frank durand the real estate man as I said,
three oh three nine two zero sixteen twenty two, free market valuation of
your home for the asking, no obligation to listen. Now Joe wants to
know about doing his roof. Now, Joe, are you buying this house?
No, I've been in for twenty years and you want to replace your
roof voluntarily because it's wearing out? Right? Yeah, in the full pictures.
I'm at ninety two hundred feet in wildfire country up there, and you
know, I'm hesitant to involve my insurance company in any way, shape or
form if you're being dropped. So am I able to just put on a
new roof? And well, of course you are, But hold on a
second. You can't involve your insurance company unless you had an event. You
haven't had an ensurable event, have you, No, not at all.
Let's wore out. It's twenty four, twenty six years old now, and
what kind is it? Yeah? Shingle? Okay, asphalt? Right?
Correct? All right? Yeah, you can replace that roof and a heartbeat.
You don't have to do anything, but you could get a discount by
telling him you have a new roof. Okay, Okay, that's I want
to know. It doesn't work in my favor, it can work in your
favor, especially if you get an upgraded shingle is something that might be a
little more resistant to anything like fire or wind or hail or whatever. Yeah,
I mean it depends. Well, that was another part of my question.
Up at that altitude, or hail tends to be very very small.
It's you're right, really, that won't help you up you know what,
you may not need to upgrade, and you may not get a discount.
I'd like to ask I don't know if Brian's still driving, but i'd actually
like to ask him that. So hold on, let me just see if
I can just redial him real quick. This is going to be he's already
given me permission to talk to him. I'm just going to talk to him
right now and and see if he answers, because this is a good question.
All right now. He may be off the road by now, three
oh threes. Let's see. Yeah, he's not answering. You reached the
phone. Yeah, okay, so he's not answering, but I can we'll
find out for sure. But I know for sure you don't have to contact
them for this, but you may want to That's the part. We have
to find out if you're going to get any credit for that. And Excel
Roofing might know it. They might know that if we can get I don't
know Kachina, if Jay's around, if you can find him. I didn't
ask him ahead of time, so I can't call him cold. But you
might want to call Jay and see if he's around at Excel or Henry,
and then we'll get you an answer. If you want to keep listening or
Joe, You're welcome to come back on tomorrow and we will talk about it.
I have some major news right now, all right, you want to
hear what it is. Well, I don't know if it's major news,
but there are a lot of things going on, and one of them is
lawsuits. The University of Colorado's vaccine mandate, by the way, violated the
constitution. Okay, and this isn't just decided, but there was another court
of appeals that upheld the decision just recently. So what happened was they were
illegally mandating vaccinations and they are now opened up for a number of lawsuits.
And no one's talking about this now. I think they're not talking about it
because the original mandate that was ruled and was back in They said that it
was back in September of twenty twenty one, but then recently the US Court
of Appeals for the Tenth Circuit said that it was illegal. It was unconstitutional.
Three oh three 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
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 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 Martino, your troubleshooter. Somebody sent me a money request from
PayPal? Have you ever had that? I never heard of the guy in
my life. He wants me to send him seven hundred and eighty five bucks.
Now, seriously, I have no idea what this is about. Don't
recognize the request. Make sure you recognize us for what the hell is that
all about? Folks? And I just got it. He said to pay
up anyway, Joe, I got Brian Burns on. I want to bring
Brian up hold on Brian, Compass Insurance Group. Still there, Brian.
Okay, Brian, will you will you get a discount if you put on
a new roof that's twenty four years old? Should you call your insurance company
and tell him he's not doing anything special, just putting on an asphalt roof,
but he's in the map. Absolutely. It's one of the biggest things
we tell people when we call him is that. Unfortunately, even if you
have an insurance company pay for that claim, the underwriting department does not communicate
with the claim department. So you need to make sure you let your agent
know that you had your roof replace so that they can update the police.
Okay, you a discount, Great stuff, Brian, Thank you, And
that's Compass Insurance Group. I love all of the information they give us.
Thank you, Brian. So bottom line is you do it. Okay,
I'm gonna let you go now, Thank you, sir. Appreciate it all
right. That's Brian Burns's compass insurance. Always get your insurance check up.
Three h three nine nine six nine thousand. Okay, I read that a
little wrong. It definitely was a recent ruling. It was. Here's what
they're saying, the vaccine mandate from the University of Colorado back in September of
twenty twenty one. What clearly violates the Constitution according to the US Court of
Appeals and Tenth Cicket Circuit Court on a decision just released. It wasn't a
decision back in twenty twenty one, I'm sorry, it was the mandate released
September twenty twenty one, and the mandate was ruled as clearly unconstitutional. Now,
this was the result of a lawsuit, but there are many other colleges
that did the same thing in universities. By the way, employers. You
know, what's amazing to me is the right to privacy on your body what
they're invoking when they talk about abortion. You know, the same right should
be extended for anything like that. Right, So bottom line unconstitutional. Now,
I know people are gonna say, well, well, was that a
conservative judge or a liberal judge? You know, of course we always ask
that, we never we never accept things do we unless we know where it's
coming from. By the way, renew home Innovations dot com. The reason
I'm mentioning it someone wanted to know, do you really get seventy two months
to pay with no interest? That absolutely yes. Now you can call them
for your bathroom three h three nine zero four to two thousand. I just
wanted to recognize that because it was a text message and they wanted to know
if that's true. It is seventy months no interest. Also, they do
it in two or three days. Renew home innovations dot Com. Now,
on another note, the non compete claus is shot down, so workers have
more rights. If you are looking to get a you just want to get
another job and put your you know, put yourself out to bid, they
can't hold you to say you can't work for a competitor. Now. Also,
did you hear that if you work this summer and you stay with your
job, young people, you get an extra one thousand dollars from the city
of Denver. That is a true story. Yep. The Denver mayor loves
spending money unless it's on the police department. But he'll give you one thousand
bucks if you're in high school and you work for the summer and stay with
your job. You got to find out more that's Denver for you. So
we're simply out of time, folks, and it's important that I tell you
three to three Martino. You can call twenty four to seven for help information.
Get your number in there. We'll call you back three zero three six
two seven eight four sixty six