WEBVTT 1 00:00:00.520 --> 00:00:13.560 Yeah, ripped up. Didn't need advice when you don't have come run in 2 00:00:13.759 --> 00:00:21.719 just as as we can. Shooter's gonna help coming. This is the Troubleshooter 3 00:00:21.839 --> 00:00:27.719 Show. No Tom Martino, Hi Tom Martino here, Well, come to 4 00:00:27.800 --> 00:00:31.199 the show. We are solved problems, answering questions, taking comites, making 5 00:00:31.239 --> 00:00:34.240 your life a little easier. I got Brian with me from Compass Insurance. 6 00:00:34.600 --> 00:00:39.640 I love insurance shows. We'll talk about insurance. Insurance is on everyone's mind 7 00:00:39.679 --> 00:00:45.520 right now, every every aspect of insurance, from health, casualty, life, 8 00:00:47.000 --> 00:00:52.840 cars, everything, They're all up, all up and and and listen. 9 00:00:52.920 --> 00:00:58.560 It should not be hard to figure out insurance, which, by the 10 00:00:58.560 --> 00:01:02.399 way, acts a lot like a security, which it's not. But it's 11 00:01:02.600 --> 00:01:10.959 money in pooled profits payments. Now, obviously we don't invest in insurance. 12 00:01:11.040 --> 00:01:15.680 Usually we just get insurance, but the companies invest to keep it alive and 13 00:01:15.799 --> 00:01:21.120 losses that are sustained effect premiums. We'll talk about that coming up right now. 14 00:01:21.159 --> 00:01:26.840 Crystal, though, wants to talk about an issue, and this is 15 00:01:26.879 --> 00:01:33.439 a weird one. I went through the emails and unless I'm missing something, 16 00:01:33.560 --> 00:01:37.920 I do want to bring Crystal up again. You really need to know that. 17 00:01:38.040 --> 00:01:42.280 I swear to you that I look at every aspect to try to get 18 00:01:42.359 --> 00:01:47.760 to something that I can hang on and go to the dealer and say this, 19 00:01:47.920 --> 00:01:53.439 or go to them and say that Crystal and Cody or whoever's on Crystal. 20 00:01:53.959 --> 00:01:57.799 I went through every single email. There is no guarantee what in fact, 21 00:01:57.159 --> 00:02:02.959 if anything, the no to you indicated that your car was drivable and 22 00:02:04.000 --> 00:02:07.280 that you shouldn't have left it there that long, and that they were not 23 00:02:07.319 --> 00:02:09.520 going to pay for your rentals. You told me you had to guarantee that 24 00:02:09.560 --> 00:02:14.479 they were going to pay five months of your rental. I don't, I 25 00:02:14.719 --> 00:02:23.240 mean, unless I am totally disconnected. Where was that email? If you 26 00:02:23.319 --> 00:02:27.159 go through the emails, you can see that a lot of this was verbal 27 00:02:27.360 --> 00:02:30.479 between Tanya and Adams Solano and myself. But not one of them, not 28 00:02:30.639 --> 00:02:34.599 one of them said they would pay for your rental beyond ten days. Not 29 00:02:34.639 --> 00:02:38.800 one of them. The best I could find was ten days. And what 30 00:02:38.960 --> 00:02:42.840 about the one saying your car was drivable, there was no reason to leave 31 00:02:42.879 --> 00:02:47.080 it there five months? See, that's not what I was told. But 32 00:02:50.159 --> 00:02:52.879 every one of them that they told you your car is drivable, Your car's 33 00:02:52.919 --> 00:02:54.439 drivable. I mean I would have at least called, so, what the 34 00:02:54.439 --> 00:02:58.199 hell's going on? And don't you think they would have said, come pick 35 00:02:58.280 --> 00:03:01.000 up your car. They all claim that they told you to pick up your 36 00:03:01.039 --> 00:03:07.439 car and they don't know why it's still there, right right, and absolutely, 37 00:03:07.800 --> 00:03:12.199 Here's what I'm going to tell you. I promise people one thing. 38 00:03:12.360 --> 00:03:17.479 I promise to look at things objectively and then hope it's not really objectively because 39 00:03:17.520 --> 00:03:23.560 what I do is I first look first at what did what went wrong? 40 00:03:24.000 --> 00:03:28.199 And why does the other side feel this way? Then I look at it 41 00:03:28.520 --> 00:03:31.639 totally objectively. Then I look at it. How do I get the consumer 42 00:03:31.719 --> 00:03:37.879 help? Even if even if they didn't have all their ducks in a row. 43 00:03:37.919 --> 00:03:40.080 But in your case, there's not one thing in that. I mean, 44 00:03:40.120 --> 00:03:43.560 if you go to court, you're gonna lose. But but maybe you 45 00:03:43.599 --> 00:03:46.919 should try small claims court just for the because it's under the seventy five hundred. 46 00:03:47.319 --> 00:03:52.680 But you you, I'm looking at it hoping to find something. There's 47 00:03:52.879 --> 00:03:57.439 nothing there that anyone would conclude that, oh, yeah, she was covered. 48 00:03:57.879 --> 00:04:02.280 But did anyone Why did they in these emails make all these references to 49 00:04:02.319 --> 00:04:06.199 your car being ready not ready, but you can drive it until the parts 50 00:04:06.199 --> 00:04:11.520 come in. Why didn't you go get your car? Because I was told 51 00:04:11.599 --> 00:04:15.040 that it may never drive over thirty miles per hour again. But they never 52 00:04:15.240 --> 00:04:19.759 That's what I was told. And I looked on the internet and not one 53 00:04:19.839 --> 00:04:26.639 person with this recall, not one person left was told they could not drive. 54 00:04:27.079 --> 00:04:30.600 And I don't know where the thirty mile an hour limit came in. 55 00:04:30.879 --> 00:04:33.279 I don't see any reference to that in any of your emails. I just 56 00:04:33.360 --> 00:04:39.399 don't see anything. I just that's just it is that I was told if 57 00:04:39.439 --> 00:04:44.560 I don't do all of these service procedures, that you know, my truck 58 00:04:44.600 --> 00:04:46.959 may never go over thirty miles per hour again. And in the case, 59 00:04:47.079 --> 00:04:49.839 but they told you until they get the part, you and drive it. 60 00:04:49.920 --> 00:04:54.639 Battery was dead when I picked it up. They couldn't even find my vehicle 61 00:04:54.639 --> 00:04:58.279 on the lot because the battery was dead and it was a brand new battery. 62 00:04:59.120 --> 00:05:01.839 So I Crystal there, I just don't think you're going to get five 63 00:05:01.839 --> 00:05:05.439 grand from five months of rentals from I'm not worried about the five grand. 64 00:05:05.480 --> 00:05:12.120 I'm worried about the public impact. Public to a lot of people, yes 65 00:05:12.160 --> 00:05:15.959 they are, and I feel hold on, wait, that's different. Wait 66 00:05:16.000 --> 00:05:19.680 a minute. So I thought you were looking for reimbursement for five months of 67 00:05:19.720 --> 00:05:24.399 rental. I'm sorry, you're looking now for a public campaign to help others. 68 00:05:25.079 --> 00:05:27.920 Get me in touch of victims and tell me what they're doing to these 69 00:05:28.000 --> 00:05:30.079 victims. Well, I sent you the emails. Did you look at any 70 00:05:30.120 --> 00:05:34.160 of those? Yes, I looked at all of them. What is this? 71 00:05:34.720 --> 00:05:39.480 Just tell me what they're doing because they have a recall. Ford has 72 00:05:39.480 --> 00:05:43.279 a recall, the cars are drivable shots. I sent you the reviews from 73 00:05:43.319 --> 00:05:47.680 other people and people Martin Champaigne's assistant called me back yesterday, a consumer rights 74 00:05:47.720 --> 00:05:51.879 lawyer, paralegal, and she just went through the same thing with the same 75 00:05:51.920 --> 00:05:56.360 dealership. So I mean, this is how are they suing that dealer for 76 00:05:56.399 --> 00:05:59.759 this? Because see what I see is this they're going to be subpoenaed to 77 00:05:59.839 --> 00:06:03.160 a Yeah, okay, okay, mark my words. They will not be 78 00:06:03.240 --> 00:06:06.680 subpoened and there will not be a lawsuit. And I'll tell you why, 79 00:06:06.879 --> 00:06:12.879 because the dealer is at the dealer as at the mercy of the manufacturer on 80 00:06:12.959 --> 00:06:16.519 this recall. You know, I don't want to be in a position. 81 00:06:16.759 --> 00:06:20.439 Here's what I hate doing. I hate being in a position where I'm arguing 82 00:06:20.480 --> 00:06:24.800 with someone who called me for help, because I'm not saying I don't want 83 00:06:24.839 --> 00:06:28.160 to help. I'm not saying it would be great. It wouldn't be great 84 00:06:28.199 --> 00:06:30.839 if they paid for this or paid for that, or if the world was 85 00:06:30.879 --> 00:06:33.920 perfect and in a recall they had a fix. But the dealer is not 86 00:06:34.040 --> 00:06:39.399 in control of that. So if this consumer rights lawyer is doing a lawsuit, 87 00:06:39.639 --> 00:06:42.360 get part of it and see if you can get reimbursed. Listen, 88 00:06:42.839 --> 00:06:46.199 in the past, I have made comments like this and been dead wrong. 89 00:06:46.279 --> 00:06:50.800 I have been dead wrong. I have in other cases I've been right more 90 00:06:50.879 --> 00:06:55.279 right than wrong. But here's what we have. You do not have an 91 00:06:55.319 --> 00:06:58.519 ideal situation. I feel for you, I really do. I would be 92 00:06:58.800 --> 00:07:02.560 extremely pissed if I had purchased a new truck but you didn't. You bought 93 00:07:02.560 --> 00:07:06.079 a used one, so we got even a We're even removed from that a 94 00:07:06.120 --> 00:07:11.519 bit. You have an extended warranty on a used product, and the dealer 95 00:07:12.360 --> 00:07:16.959 is not doing this to you. It's the manufacturer is. If this, 96 00:07:17.240 --> 00:07:19.959 if this lawyer, we would I want to call them. Do you have 97 00:07:20.000 --> 00:07:25.879 the name of this consumer rights lawyer that's doing a lawsuit? I'd like to. 98 00:07:26.279 --> 00:07:30.879 What I would like to know is the what they're suing on. I 99 00:07:30.240 --> 00:07:34.439 need to know the aspect they're suing on. Maybe I'm missing something and I 100 00:07:34.920 --> 00:07:39.319 really don't want to miss anything, and I'm not kidding. I want to 101 00:07:39.360 --> 00:07:45.680 know what exactly is going on here? So on the uh? Yeah, 102 00:07:45.720 --> 00:07:48.480 because what is the name? Do you have the name of the attorney? 103 00:07:48.680 --> 00:07:51.240 I do, but I'd rather not say it on air. Okay, can 104 00:07:51.279 --> 00:07:54.360 you give it to us off the air and we'll call them. I just 105 00:07:54.360 --> 00:07:57.720 want to know. I want to know about the Hey Katschina, Well I 106 00:07:57.800 --> 00:08:01.399 was called. There are two different lawsuits and ventially a class action. So 107 00:08:01.600 --> 00:08:05.360 okay, is it against the dealer or the Ford? I can see them 108 00:08:05.360 --> 00:08:11.480 going after Ford? Is it the dealer? Ord? And hurts and who 109 00:08:11.399 --> 00:08:22.120 hurts hurt? Oh okay, I'm just looking at my database here. What 110 00:08:22.319 --> 00:08:26.680 what did they tell you what the issue was? Yeah? They that there's 111 00:08:26.720 --> 00:08:37.600 a lawsuit, yeah, through both corporations. So they are basically saying that, 112 00:08:37.840 --> 00:08:43.600 you know, as a consumer rights attorney, we see that a lot 113 00:08:43.639 --> 00:08:48.559 of people have been impacted by this situation, by what situations, by the 114 00:08:48.600 --> 00:08:52.799 recall, by the by the what well, the fact that you bring your 115 00:08:54.240 --> 00:08:58.480 vehicle in for service, or you purchase a vehicle through that dealer and then 116 00:08:58.639 --> 00:09:03.440 you are not guarante heed. You know, a pre certified, a pre 117 00:09:03.559 --> 00:09:09.159 owned certified situation. So okay, all listen, listen. I don't know 118 00:09:09.159 --> 00:09:11.240 what you're saying, but I want to call the attorney. Okay, I'm 119 00:09:11.279 --> 00:09:15.879 sure I gotta find out, because here's the deal. When you buy a 120 00:09:15.960 --> 00:09:18.480 used car, you're buying it as is subject to an extended warranty, recalls 121 00:09:18.519 --> 00:09:22.200 and all of that. If they did something intentionally, if they were negligent, 122 00:09:22.279 --> 00:09:26.360 I could see that if they knew they had a problem and they sold 123 00:09:26.360 --> 00:09:28.720 it anyway and they covered up the problem, they would have something. What 124 00:09:28.759 --> 00:09:33.600 I need to know is what this attorney found that they're suing on, and 125 00:09:33.639 --> 00:09:37.279 then maybe we can pursue that with the dealer, and maybe that dealer will 126 00:09:37.279 --> 00:09:39.879 say, you know what, instead of this woman joining that lawsuit, maybe 127 00:09:39.919 --> 00:09:43.159 we'll do something for her. Meanwhile, what I would do is try to 128 00:09:43.159 --> 00:09:46.080 go to Small Thames Court. But I'm going to tell you what your weaknesses 129 00:09:46.080 --> 00:09:48.960 are, okay, because I want you to be strong. I'm not telling 130 00:09:50.000 --> 00:09:54.080 you your weaknesses because I want you to be weak. You have no clear 131 00:09:54.279 --> 00:09:58.080 agreement that they're going to pay for your rental. You have every indication that 132 00:09:58.159 --> 00:10:01.279 your car did not have to sit, and that you have an obligation to 133 00:10:01.320 --> 00:10:07.200 mitigate damages, meaning you drive your truck as long as you can, because 134 00:10:07.240 --> 00:10:11.519 they did not tell you it could not be driven. No one told you 135 00:10:11.559 --> 00:10:15.720 it cannot be driven. On the Internet, people are driving with similar problems. 136 00:10:15.919 --> 00:10:18.919 Then you say there's a problem with the dealer doing something, and they 137 00:10:20.279 --> 00:10:24.960 somehow owe you something because of some certified used car. I'm telling you that, 138 00:10:26.120 --> 00:10:30.440 in my humble opinion, you are off base thinking you have a case. 139 00:10:30.519 --> 00:10:33.519 But I want to talk to the attorney. I really do, because 140 00:10:33.600 --> 00:10:37.720 I've been wrong before and I'm probably wrong this time. So let's talk to 141 00:10:37.759 --> 00:10:41.679 the attorney. Ka, Gina, get the name of the attorney and ask 142 00:10:41.759 --> 00:10:46.080 them that if they can shed any light whatsoever on this. Okay, so 143 00:10:46.639 --> 00:10:50.960 people listening, here's what happened. They bought a used truck. Okay, 144 00:10:52.039 --> 00:10:54.440 they have an extended warranty. They bought it from a dealer. It's a 145 00:10:54.440 --> 00:10:58.320 forward truck. Here's what they have. They have a situation where there was 146 00:10:58.320 --> 00:11:03.039 a recall. They took it in and it sat there five months. She 147 00:11:03.240 --> 00:11:07.399 said she had a clear cut agreement. Is what she told me, that 148 00:11:07.440 --> 00:11:09.120 they were going to pay for the rental as long as it took. There 149 00:11:09.200 --> 00:11:13.480 is not one, not one indication they said that, not one, not 150 00:11:13.639 --> 00:11:18.799 one. And and I'm looking for it. Mark do you want to go 151 00:11:18.960 --> 00:11:20.799 is mark on? Do you want to go through this stuff? If I 152 00:11:20.840 --> 00:11:24.240 send it to you, can you look to see if I miss something? 153 00:11:24.759 --> 00:11:26.960 Because I already looked at it. I saw nothing about a rental. I 154 00:11:26.960 --> 00:11:31.919 looked at it yesterday. Well there's stuff about rentals, all kinds of stuff 155 00:11:31.960 --> 00:11:35.960 like alluding to not about paying for the rentals. Right, that's right? 156 00:11:35.039 --> 00:11:39.320 Ten days one woman, this is a manufacturer's deal. I don't know how. 157 00:11:39.639 --> 00:11:43.759 I don't. I just don't. I don't find the whole thing, 158 00:11:43.799 --> 00:11:48.000 correct, that's all anyway? Hold on, okay, and I want to 159 00:11:48.159 --> 00:11:52.480 I want to call the attorney though, yeah, but again she didn't say 160 00:11:52.480 --> 00:11:56.320 an attorney time. She said a pairalegal. No, but she said it 161 00:11:56.360 --> 00:12:01.480 was a consumer rights attorney doing the lawsuit. A consumer rights attorney. Veronica 162 00:12:03.360 --> 00:12:05.000 has a problem with Fred Loya. I have to take a break, but 163 00:12:05.080 --> 00:12:09.759 today is insurance day, so get her to stay on the line. It's 164 00:12:09.799 --> 00:12:13.360 a perfect day. Plus if you have any questions about insurance homeowners or car 165 00:12:13.399 --> 00:12:18.080 insurance, or why your rates went up, or about the spy apps they're 166 00:12:18.080 --> 00:12:20.559 putting on your cars now, or about anything to do with insurance, we 167 00:12:20.600 --> 00:12:30.519 have Brian Burns with us from Compass Insurance Group more coming right up, go 168 00:12:30.600 --> 00:12:33.840 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 169 00:12:33.840 --> 00:12:41.200 a cent until you're content time for an insurance checkup free, no obligation. 170 00:12:41.240 --> 00:12:46.200 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 171 00:12:46.200 --> 00:12:50.720 companies find out Now three O three seven to seven to one help. You'll 172 00:12:50.720 --> 00:12:54.559 think you're his only customer when you choose Frank durand the real estate Man dot 173 00:12:54.600 --> 00:12:58.679 com to list your home with Remax Alliance three three nine two zero sixteen twenty 174 00:12:58.720 --> 00:13:03.039 two. Hey, I'm Tom Martinez, your troubleshooter three O three seven one 175 00:13:03.080 --> 00:13:09.279 to three talks seven one three eight two five five. The Federal Trade Commission, 176 00:13:09.279 --> 00:13:16.919 by the way, has completely completely banned noncompete agreements and contracts. They 177 00:13:16.919 --> 00:13:18.960 even took away some of the exclusions on them. We'll talk about coming up 178 00:13:20.159 --> 00:13:22.879 right now let me talk to Veronica. By the way, we have Compass 179 00:13:22.879 --> 00:13:26.000 insurance Group with us. They don't deal with Fred Loyer. They deal with 180 00:13:26.039 --> 00:13:30.360 a bunch of companies. But I'm just going to say this right up front 181 00:13:30.399 --> 00:13:35.000 so people know that I'm prejudiced. Right off the bat. Most of our 182 00:13:35.000 --> 00:13:39.600 complaints come from State Farm Farmers, All State, American Family, and Fred 183 00:13:39.679 --> 00:13:43.399 Layer. They're the top five worst companies on the planet. What's going on, 184 00:13:43.519 --> 00:13:50.840 Veronica. I have a bus that I'm converting into a mobile grooming unit. 185 00:13:50.440 --> 00:13:54.159 Oh really, what kind of a bus? Is it a short bus 186 00:13:54.240 --> 00:13:58.360 or a big bus or what kind It's kind of like a short bus. 187 00:13:58.519 --> 00:14:03.480 Okay, those buses that pick up the elderly. Yeah, okay, that 188 00:14:03.559 --> 00:14:05.679 size bus. Okay, I'm converting it into a mobile grooming unit. And 189 00:14:05.720 --> 00:14:11.960 it was almost done. In the beginning to March, a lady apparently had 190 00:14:11.960 --> 00:14:15.919 a seizure and ran it right into my bus. Oh wait, wait, 191 00:14:16.000 --> 00:14:20.159 she was in a car and ran into the bush after having a seizure. 192 00:14:20.799 --> 00:14:24.039 Oh man, this is trick. Mark, Hold on, Mark, don't 193 00:14:24.080 --> 00:14:28.480 give it away. I'm gonna tell I'm gonna tell her which who who was 194 00:14:28.519 --> 00:14:31.720 this woman? Insured by Fred Layer insurance. Okay, but I want to 195 00:14:31.720 --> 00:14:35.799 explain something to you because now I don't like fred Layer, but I'm gonna 196 00:14:35.840 --> 00:14:39.919 I'm forced to say something right now. And Brian, we've had we had 197 00:14:39.960 --> 00:14:43.840 a case in the past where a guy had a heart attack, he ran 198 00:14:43.919 --> 00:14:54.159 into people, did devastating damages, and his insurance would not cover him. 199 00:14:54.360 --> 00:14:58.080 Now listen, ver on a car. Are you calling by any chance because 200 00:15:01.240 --> 00:15:05.840 the fred Leys said we're not covering it. No, there they want to 201 00:15:05.840 --> 00:15:09.600 total my out. Thanks. I can't. First of all, I just 202 00:15:09.639 --> 00:15:16.720 want to say this. I can't believe they're even going to consider covering it. 203 00:15:16.240 --> 00:15:20.559 Do you know why Mark Mark Mark wanted to spill the beans? Brian 204 00:15:20.600 --> 00:15:26.120 Telemy, Yeah, there there are exceptions to this, But first tell me 205 00:15:26.200 --> 00:15:31.440 why most companies wouldn't under these kinds of certain Well, you're not held liable 206 00:15:31.559 --> 00:15:35.159 in the case of a medical induced accident, and if it was a heart 207 00:15:35.200 --> 00:15:37.840 attack, if it was a seizure, Uh, you're not going to be 208 00:15:37.840 --> 00:15:41.240 held liable for the damages. However, you said, if it's so. 209 00:15:41.440 --> 00:15:43.000 So in the case of the intersection, the guy in a heart attack, 210 00:15:43.039 --> 00:15:46.399 they said it was a sudden something. They called it. Uh, they 211 00:15:46.480 --> 00:15:50.159 called it a health problem and they're not liable. It was not negligent and 212 00:15:50.200 --> 00:15:52.919 they didn't cover it. Right, if it can be foreseen, in other 213 00:15:52.960 --> 00:15:58.080 words, if it's happened before, if this is a regular occurrence seizure, 214 00:15:58.159 --> 00:16:03.240 then it could be you could be held liable because around all right, so 215 00:16:03.320 --> 00:16:07.399 maybe this guy had frequently go ahead. I think that's what the case was, 216 00:16:07.440 --> 00:16:11.080 because there was a criminal case and the GA sent me something stating that 217 00:16:11.120 --> 00:16:15.639 she's that they are held responsible. Okay now, and the DA wouldn't make 218 00:16:15.679 --> 00:16:21.679 that determination. The DA would only make that determination traffic wise, not liability 219 00:16:21.679 --> 00:16:26.879 wise to you. But here's the deal. I'm hoping that this is such 220 00:16:26.919 --> 00:16:33.440 a terrible situation because your bus had more value than the actual value. But 221 00:16:33.480 --> 00:16:37.440 that should be a limitation for her unless it was her own insurance causing this. 222 00:16:37.639 --> 00:16:41.559 In other words, you have a contract with your company, and if 223 00:16:41.600 --> 00:16:45.399 you haven't added coverage for those modifications by all means. Well, let's say, 224 00:16:45.480 --> 00:16:48.519 let's let's put it this way. What stage of the restoration or conversion 225 00:16:48.559 --> 00:16:52.840 were you in. It was almost complete, Okay, they were ready. 226 00:16:53.120 --> 00:16:57.360 They were ready to put the equipment in the bathtub, the tables. But 227 00:16:57.480 --> 00:17:03.840 so but but was it painted and spruced up? And okay? Now are 228 00:17:03.039 --> 00:17:08.279 what year is this bus? It's a two thousand and three? Are they 229 00:17:08.319 --> 00:17:14.079 trying to Are they trying to price it as a just a raw, regular, 230 00:17:14.240 --> 00:17:18.079 used, old two thousand and three bus? Yes? What kind of 231 00:17:18.079 --> 00:17:23.799 bus is it? It's a Ford. It's Ford f S three fifty, 232 00:17:23.839 --> 00:17:30.400 I want to say. And and it's it literally looks like a bus. 233 00:17:30.079 --> 00:17:34.839 Yes, okay, Now what do they say it's worth? On? They're 234 00:17:34.839 --> 00:17:38.640 saying it's worth forty two hundred? What do you what did you buy the 235 00:17:38.640 --> 00:17:42.079 bus for? First of all, in this raw condition, I bought it 236 00:17:42.079 --> 00:17:48.839 for forty five hundred and they're offering forty two. Yes, and then I 237 00:17:48.920 --> 00:17:52.400 put the no, I hold on. I'm making notes here. So you 238 00:17:52.559 --> 00:17:59.279 bought it for forty five right? Yes? And you put how much into 239 00:17:59.319 --> 00:18:03.519 it? Tires, paint on? Well, no, I don't need to 240 00:18:03.559 --> 00:18:07.480 know that. What I need to know is the price about ten thousand dollars. 241 00:18:07.799 --> 00:18:10.079 So you're into it, and I wouldn't be surprised at all. So 242 00:18:10.119 --> 00:18:12.559 you're into it for about now. That doesn't count the equipment that did not 243 00:18:12.599 --> 00:18:17.359 get installed. Count the equipment? No, okay, So you're into it 244 00:18:17.400 --> 00:18:25.599 form around fifteen grand Yes, okay, and what and they say, oh 245 00:18:25.599 --> 00:18:29.680 god, these jerks are so they're not giving you any value for any of 246 00:18:29.680 --> 00:18:33.799 that. Right. Not only that, I didn't find out until yesterday when 247 00:18:33.880 --> 00:18:38.599 I I made various calls and I finally got a call back and they told 248 00:18:38.599 --> 00:18:42.759 me about the offer. The person on the phone did not tell me that 249 00:18:42.799 --> 00:18:48.880 there was a deadline, that it expires. Well, that doesn't there's no 250 00:18:48.960 --> 00:18:52.200 deadline. That's artificial. They can't make a deadline on you. Forget that 251 00:18:52.319 --> 00:18:57.240 crap. Well they did, and then guess what it's tomorrow. Well, 252 00:18:57.279 --> 00:19:00.400 hold on, tell me what happens if you go past the deadline. Tell 253 00:19:00.440 --> 00:19:04.119 me what happens? They just give me the forty two hundred. No they 254 00:19:04.160 --> 00:19:07.759 don't, No, they don't, No, they don't. What law says 255 00:19:07.759 --> 00:19:11.759 that? Tell me what law says we can hit you and make our own 256 00:19:11.759 --> 00:19:15.279 deadline. Tell me what law that is? I don't know. They're full 257 00:19:15.319 --> 00:19:18.680 of crap, is what I'm telling you. Who told you that there's a 258 00:19:18.759 --> 00:19:22.960 deadline. Well, the email they sent me yesterday, I read it and 259 00:19:22.039 --> 00:19:26.960 it says that it's a ten day offer, and it that's a ten day 260 00:19:27.000 --> 00:19:32.119 offer. That doesn't mean they can't make another ten day offer or a twenty 261 00:19:32.200 --> 00:19:34.759 day offer, or a thirty day offer or a one day offer. They 262 00:19:34.759 --> 00:19:40.119 can do whatever they want. This is bull crap. Listen, here's what 263 00:19:40.119 --> 00:19:45.160 I want to know, Veronica. When did the accident happen? The beginning 264 00:19:45.160 --> 00:19:48.920 of March? The first week of March. Okay, so we're good, 265 00:19:48.039 --> 00:19:52.559 thanks for not waiting to call now, brianoy, Tom, would fred Looyer 266 00:19:52.680 --> 00:19:56.720 actually be liable to cover for all these improvements she did? How does that 267 00:19:56.839 --> 00:20:02.359 work? Of course you Why wouldn't they they property that was her property? 268 00:20:03.480 --> 00:20:06.960 Okay, I don't understand why it would even be a question. I mean 269 00:20:07.000 --> 00:20:10.000 they they did the damage. Now the question I would have is do you 270 00:20:10.200 --> 00:20:15.759 have insurance? No, because it's seven hundred dollars to ensure that bus and 271 00:20:15.799 --> 00:20:18.960 I have not started working. Where was it part though? Please don't tell 272 00:20:19.000 --> 00:20:23.640 me it was on a public street. No, it was on a property, 273 00:20:23.759 --> 00:20:30.160 on your property. Yes, you know what. She's got a she's 274 00:20:30.200 --> 00:20:33.440 got a good case to get this cover. The only issue is she's going 275 00:20:33.519 --> 00:20:34.599 to have to do the work to sue. In other words, she can't 276 00:20:34.640 --> 00:20:38.319 just turn it to her insurance after it. So it's it's just more work. 277 00:20:38.359 --> 00:20:44.200 But listen, Veronica, listen, you need to forget about Fred Lawyer 278 00:20:44.279 --> 00:20:51.559 right now and fock now. Unfortunately, unfortunately, to sue above seventy five 279 00:20:51.680 --> 00:20:55.519 hundred, you're going to have to go to county court. The small claims 280 00:20:55.599 --> 00:21:00.359 court is seventy five hundred. They want to total it. That means not 281 00:21:00.440 --> 00:21:03.440 only they give you forty two hundred, but they want to take the bus. 282 00:21:03.519 --> 00:21:07.160 Right well, they have two options. They can give me forty five 283 00:21:07.240 --> 00:21:11.880 hundred and take the bus, or they can give me forty two hundred and 284 00:21:11.960 --> 00:21:15.759 I can keep the bus. Yeah, they're no, You're not going to 285 00:21:15.839 --> 00:21:18.359 take either of them. This is wrong. I know this is I mean, 286 00:21:18.400 --> 00:21:22.079 I don't want a new bus, but I just want the repairs. 287 00:21:22.279 --> 00:21:25.920 You've been working on this? How long you've been working on it? It's 288 00:21:26.200 --> 00:21:29.400 been this has been my dream. And how long have you been working on 289 00:21:29.440 --> 00:21:30.240 it? No? I can hear it in your voice. I want to 290 00:21:30.240 --> 00:21:33.359 help you. How long have you been working on it? For about a 291 00:21:33.440 --> 00:21:40.880 year? Did you do most of the work yourself on it? Yes? 292 00:21:40.960 --> 00:21:42.839 And then I had someone come in to do the walls and everything else, 293 00:21:42.960 --> 00:21:48.160 and the paint man. So tell me this, okay, hold on. 294 00:21:48.200 --> 00:21:51.839 I got to take a break. Just hold on, Veronica, this is 295 00:21:51.880 --> 00:21:53.759 pissing me off. Three all three seven one three talk. By the way, 296 00:21:55.160 --> 00:22:00.960 fix It twenty four to seven has the best extreme clean just in tune 297 00:22:00.519 --> 00:22:07.680 your AC. There's nothing more thorough to get the dirt out to improve efficiency, 298 00:22:07.039 --> 00:22:11.799 which will save you money in the long run. Thirty nine dollars Fix 299 00:22:11.880 --> 00:22:22.880 my home dot com. Go with a sure thing Denver's best roofer Excel Roofing 300 00:22:22.960 --> 00:22:29.440 dot com. You don't pay a cent until you're content. Time for an 301 00:22:29.480 --> 00:22:33.839 insurance check up free, no obligation comparison call Compass Insurance paying too much your 302 00:22:33.880 --> 00:22:37.960 coverage at dozens of insurance companies find out now three all three seven to seven 303 00:22:37.960 --> 00:22:41.720 to one help. You'll think you're his only customer when you choose Frank durand 304 00:22:41.720 --> 00:22:47.359 the real estate Man dot com to list your home with Remax Alliance three three 305 00:22:47.440 --> 00:22:53.599 nine two zero sixteen twenty two. All right, we had a discussion off 306 00:22:53.640 --> 00:22:56.519 the air, and I want to I just want to talk about this. 307 00:22:56.119 --> 00:23:02.440 First of all. I just want to you about first of all, Denver 308 00:23:02.519 --> 00:23:07.200 Regen for weight Loss Denverregen dot com. But they're gone, They're they're going 309 00:23:07.240 --> 00:23:10.960 crazy. Okay, So I don't know how long this program will lasts, 310 00:23:10.960 --> 00:23:15.400 but it's two hundred and fifty a month for your weight loss supplement or drug. 311 00:23:15.480 --> 00:23:18.160 And that's the semiglue tide genuine semi glue tide, but it's compounded, 312 00:23:18.720 --> 00:23:23.279 meaning it's the same stuff. So what I want you to do is is 313 00:23:23.359 --> 00:23:27.079 get in touch with them if you want to get on this weight loss program 314 00:23:27.359 --> 00:23:30.480 Denverregen dot com. That's with their drugs and the doctor and everything. So 315 00:23:32.599 --> 00:23:37.480 I want to talk to here's the issue we have, Veronica. I am 316 00:23:37.519 --> 00:23:40.480 one hundred percent on your side, but we hear the few issues we have. 317 00:23:41.079 --> 00:23:44.960 So if it was a giant dollhouse in your yard, or it was 318 00:23:45.119 --> 00:23:52.359 a bus you're converting, or it was whatever they hit, that party is 319 00:23:52.440 --> 00:23:59.920 responsible for what they took from you. It's not here just the via. 320 00:24:00.920 --> 00:24:07.759 It is the vehicle and whatever you can substantiate just because you say you were 321 00:24:07.799 --> 00:24:12.960 working on it a year and have ten thousand invested. Brian brought up a 322 00:24:12.960 --> 00:24:18.839 good point. You're going to have a really tough time if you can't come 323 00:24:18.920 --> 00:24:26.440 up with receipts and real expensive expenses like tires, paint job. Okay, 324 00:24:26.480 --> 00:24:30.200 now, When you say ten grand, do you mean you have ten thousand 325 00:24:30.240 --> 00:24:34.359 dollars in receipts for the stuff you put into it? Yes, give us 326 00:24:34.400 --> 00:24:38.160 an example. And I'm not arguing, but I'm trying to put you to 327 00:24:38.240 --> 00:24:42.839 the test. Okay, the paint was three thousand. Okay, good, 328 00:24:42.839 --> 00:24:45.960 you have a receipt for a professional paint job. What else? Yes? 329 00:24:47.720 --> 00:24:59.279 The construction was what construction? What construction? The walls inside, I had 330 00:24:59.279 --> 00:25:04.200 to make cabinets, okay, just to prepare it. It had to be 331 00:25:04.319 --> 00:25:11.720 all waterproofed inside okay. And area for the generator, for the water pump, 332 00:25:11.839 --> 00:25:18.640 water tanks. Everything now be prepped. Now, this is really important 333 00:25:18.680 --> 00:25:25.400 to know. Can it be fixed? Yes? Okay? I mean have 334 00:25:25.519 --> 00:25:27.759 you had people look at it and give you an idea of what it might 335 00:25:27.920 --> 00:25:33.359 cost to be fixed. I actually took the day off to day. I 336 00:25:33.400 --> 00:25:37.119 have to take it to two places to get an estimate. Because what I'm 337 00:25:37.119 --> 00:25:41.279 thinking is this, here's what I'm thinking. Let's forget about the total value. 338 00:25:41.400 --> 00:25:44.839 You know, you say you have fifteen grand in it. Let's forget 339 00:25:44.839 --> 00:25:52.960 about that. Let's say it'll cost seventy five hundred to fix. Then then 340 00:25:52.440 --> 00:25:55.799 you could sue in small Claims Court. Is that. What I'm trying to 341 00:25:55.799 --> 00:26:00.240 get at is Mark brought up during during the break we were talking. Our 342 00:26:00.240 --> 00:26:04.359 YouTube morals can hear this and our streamers. But what he said was you 343 00:26:04.400 --> 00:26:08.440 could hardly afford the insurance and you were waiting until it went on the road 344 00:26:08.480 --> 00:26:11.920 to even put up the insurance. How can you afford an attorney? And 345 00:26:11.960 --> 00:26:17.960 you can't. So I know we're going to have to figure out a way 346 00:26:18.000 --> 00:26:22.440 to do this without it cost you more than it's worth. So get your 347 00:26:22.519 --> 00:26:26.839 estimate and call us back. That's the first thing. See what it will 348 00:26:26.839 --> 00:26:29.920 take. Did any of the interior I don't think you're going to care about 349 00:26:29.960 --> 00:26:33.559 the estimate whatsoever, because they're saying, hey, it's total. We'll give 350 00:26:33.599 --> 00:26:37.839 you what is Marth Mark, We're not going to deal with Fred Layer. 351 00:26:37.039 --> 00:26:41.799 The reason for the estimate is to sue the other party in small claims court. 352 00:26:41.079 --> 00:26:45.559 She has no contract with Fred Loyer Veronica. What I'd like to know, 353 00:26:45.640 --> 00:26:49.359 though, is did they destroy the cabinets and all the interior work or 354 00:26:49.599 --> 00:26:56.039 what was actually her? No, the only thing destroyed inside was a window, 355 00:26:56.400 --> 00:27:00.759 the emergency window. Okay, okay, that's all. Then what what 356 00:27:00.839 --> 00:27:08.279 about the outside? The outside. It was the the the driver rear side 357 00:27:10.440 --> 00:27:12.960 nearly like, how bad is it? How bad do you have a Okay, 358 00:27:14.880 --> 00:27:18.000 listen, but it's I know, I know. So what we're going 359 00:27:18.079 --> 00:27:22.279 to try to get me get an estimate and call me back. Just do 360 00:27:22.440 --> 00:27:25.680 that. That's the first thing. Okay, I believe you can sue the 361 00:27:25.759 --> 00:27:29.680 driver of the other she destroyed your property. Okay, it's not a vehicle, 362 00:27:29.680 --> 00:27:32.839 you're not. It's you're not looking at it like buying a vehicle. 363 00:27:33.160 --> 00:27:37.039 It is your personal property, on your property you were working on. You 364 00:27:37.119 --> 00:27:41.680 have a right to be reimbursed for what it truly takes to fix it now 365 00:27:42.359 --> 00:27:47.079 and then, and then you can substantiate that you want to fix it based 366 00:27:47.119 --> 00:27:51.119 on your receipts. That's the way I would go. I would not even 367 00:27:51.200 --> 00:27:55.000 talk to Fred Loyer anymore. And once you put once you go to small 368 00:27:55.039 --> 00:28:00.279 claim squirt, they either step in or you get a judgment again. This 369 00:28:00.319 --> 00:28:03.839 woman, uh and that woman will have to go to Fred Loya. I 370 00:28:03.000 --> 00:28:07.039 just would not mess with them. Right now, do one thing at a 371 00:28:07.119 --> 00:28:11.160 time, get your estimate quickly, and get back to us. Three oh 372 00:28:11.200 --> 00:28:12.519 three, seven to one to three. Talk. Ron's got a question. 373 00:28:12.559 --> 00:28:17.400 About hand and I got it. Let me ask Brian another question with hold 374 00:28:17.480 --> 00:28:21.000 on, Ron, Ask Ron if you can hold uh? Mark, I 375 00:28:21.440 --> 00:28:22.359 wanted to try to get to him. Go ahead, quick, let's do 376 00:28:22.400 --> 00:28:26.480 it. Go ahead Mark, So, Brian, if I repaint my car, 377 00:28:27.160 --> 00:28:30.400 I got a little lost in the paint job. So I have a 378 00:28:30.519 --> 00:28:33.640 night. I have a two thousand and four Tours that was green, and 379 00:28:33.759 --> 00:28:37.079 you know, I go get a paint job for one thousand bucks at one 380 00:28:37.160 --> 00:28:41.359 of these paint job places and then someone hits me they owe me an additional 381 00:28:41.480 --> 00:28:45.720 thousand dollars at that point. Paint is a hard one because your assumption is 382 00:28:45.720 --> 00:28:49.519 that the car is already painted. So I hear you, Mark, Mark's 383 00:28:49.559 --> 00:28:53.160 after that three grand? And I don't know how much how many times I 384 00:28:53.200 --> 00:28:57.480 can say this. If she was driving on the street as a motor vehicle, 385 00:28:57.519 --> 00:29:00.799 it would have been a completely different story. Then it parked on her 386 00:29:00.960 --> 00:29:08.000 personal property as a project. It is personal property, it's Brian, and 387 00:29:08.559 --> 00:29:15.000 I'll tell you that that owners might cover this. It changes the nature that 388 00:29:15.119 --> 00:29:22.920 woman came on to her property and destroyed something she had. This woman did 389 00:29:22.920 --> 00:29:26.599 not have it as a motor vehicle at the time, and ensured as a 390 00:29:26.599 --> 00:29:30.000 motor vehicle, because you're right, all of those arguments would come into play 391 00:29:30.119 --> 00:29:34.359 if you're driving around a motor vehicle. They would still be responsible somewhat for 392 00:29:34.440 --> 00:29:41.599 personal property, but the paint job would be more apropos on the road than 393 00:29:41.640 --> 00:29:45.799 it is on a project car. Well, and I am curious to see 394 00:29:45.839 --> 00:29:51.160 what the cost is to repair this, because let's say the cost to repair 395 00:29:51.240 --> 00:29:53.680 the outside is four thousand. She basically just told us there's no damage inside 396 00:29:53.960 --> 00:29:57.400 if they're given her forty two hundreds. Right, That's what I'm getting at. 397 00:29:57.440 --> 00:30:00.559 That's why I want her to get an estrument. We'll figure it out. 398 00:30:00.799 --> 00:30:03.880 But Mark's right, you don't just pay out the nose because you got 399 00:30:03.920 --> 00:30:06.000 an old vehicle and you put too much money into it. No, but 400 00:30:06.200 --> 00:30:08.240 let's say Mark, on the flip side, if you put new wheels on 401 00:30:08.279 --> 00:30:11.720 the on the car, you just put you know, two thousand dollars worth 402 00:30:11.759 --> 00:30:15.039 of wheels on the car, and someone slams into you and they total your 403 00:30:15.079 --> 00:30:18.839 car, you absolutely should be reimbursed for the two thousand dollars. That's right. 404 00:30:18.960 --> 00:30:22.920 Any now, your company, different story. That's your company, their 405 00:30:23.000 --> 00:30:29.519 company they destroyed. What's yours now the risk free service fee eight eight eight 406 00:30:29.559 --> 00:30:32.559 Heating dot com twenty eight bucks. Let's say you got a water heater you're 407 00:30:32.559 --> 00:30:34.039 wondering about. They can come out and service it, flush it, take 408 00:30:34.039 --> 00:30:37.119 care of it for twenty eight bucks. If you need a new one, 409 00:30:37.119 --> 00:30:40.759 they credit you twenty eight or if you need anything else one time. I 410 00:30:40.799 --> 00:30:44.559 mean it's it's a service fee for twenty eight bucks. Eight eight eight heating 411 00:30:44.640 --> 00:30:47.759 dot com a company you can trust to come out and service with the risk 412 00:30:47.839 --> 00:30:51.839 free service fee any plumbing issue twenty eight bucks. And that gets you the 413 00:30:51.960 --> 00:30:55.960 service like a toilet, running toilet and all that. But if you need 414 00:30:56.079 --> 00:30:59.799 something more, they credit you that three oh three seven seven zero two seven 415 00:31:00.000 --> 00:31:08.000 seven six. Go with a sure thing Denver's Best roofer Excel Roofing dot com. 416 00:31:08.039 --> 00:31:15.359 You don't pay a cent until you're content. Please time for an insurance 417 00:31:15.440 --> 00:31:19.880 check up free no obligation comparison call Compass Insurance paying too much your coverage at 418 00:31:19.920 --> 00:31:23.640 dozens of insurance companies find out now three oh three seven to seven to one 419 00:31:23.759 --> 00:31:27.400 help. You'll think you're his only customer when you choose Frank durand the Real 420 00:31:27.480 --> 00:31:33.079 estate Man dot com to list your home with Remax Alliance three oh three nine 421 00:31:33.079 --> 00:31:48.519 two zero sixteen twenty two ripped news. You need advise you don't have run 422 00:31:48.559 --> 00:31:55.920 inxious as fast as we can show Shooter's gonna help come. Sixth is the 423 00:31:56.079 --> 00:32:01.960 Troubleshooter Show. No Tom Martinez, Hi Tom Artino here, Welcome to the 424 00:32:02.000 --> 00:32:07.119 show. Three ozho three seven one three talk seven one three eight two five 425 00:32:07.279 --> 00:32:10.559 five. This hour brought to you buy waterpros dot net the best water systems 426 00:32:10.599 --> 00:32:16.279 at the lowest prices anywhere. I just marvel every day about my soft water, 427 00:32:16.359 --> 00:32:20.480 my clean water, my pure water. Whatever you want drinking water fourteen 428 00:32:20.559 --> 00:32:24.400 hundred bucks kitchen sink. Never buy bottled water again. My filters have going 429 00:32:24.440 --> 00:32:28.640 a year and a half and still don't have enough particulous to change them out. 430 00:32:28.839 --> 00:32:32.960 I just do a test where this little digital thing water Pros three oh 431 00:32:32.960 --> 00:32:36.640 three eighty six two five five five four. Let's talk. Okay, So 432 00:32:37.359 --> 00:32:42.799 Jim's got a question about car accident. We have a compass insurance group with 433 00:32:42.880 --> 00:32:46.240 us Brian Burns our insurance experts, so any questions on insurance, of course, 434 00:32:46.279 --> 00:32:51.759 we're gonna take any questions outside of insurance as well. Plus, while 435 00:32:51.799 --> 00:32:53.559 he's here, and when he's even when they're not here, they do what's 436 00:32:53.599 --> 00:32:58.799 called the insurance check up. That means you call with your declarations page and 437 00:32:58.880 --> 00:33:00.759 say, hey, this one I'm paying for my home, or this is 438 00:33:00.799 --> 00:33:02.599 what I'm paying for my auto, or this is what I'm paying for both, 439 00:33:02.640 --> 00:33:06.880 and what's out there, and they let you know what's out there. 440 00:33:07.279 --> 00:33:09.200 A state farm agent can't do that. A farmer's agent can't do that, 441 00:33:09.400 --> 00:33:15.160 an all state agent can't do that. Fred Loyer, American family. They're 442 00:33:15.200 --> 00:33:20.240 all captive. They have one thing to sell, only they can't compare. 443 00:33:21.680 --> 00:33:24.519 They can't. So, now, Jim, what's your question or concern? 444 00:33:24.599 --> 00:33:32.400 What's going on? Man? Stupid question. I was involved in a accident 445 00:33:32.640 --> 00:33:43.279 with two vehicles. I'm one. I'm in the right, all right, 446 00:33:43.319 --> 00:33:46.920 tell me it was so when you say two vehicles, were you driving one? 447 00:33:47.680 --> 00:33:52.799 I was sitting in a parked car when a truck bounced off of that. 448 00:33:53.000 --> 00:33:57.599 Were you sitting in the driver's seat? Were you sitting in the driver's 449 00:33:57.599 --> 00:34:00.519 seat? Yes? Okay, and you were parked? Okay, go ahead 450 00:34:02.960 --> 00:34:07.239 anyway, So they've agreed that it's one hundred people, Well, hold on, 451 00:34:07.320 --> 00:34:14.119 you were sitting there and what happened? A car bounced off of FedEx 452 00:34:14.199 --> 00:34:17.639 semi and then hit me? How did it hit you on the side, 453 00:34:17.679 --> 00:34:23.880 in the back, in the front where you parked legally? I was in 454 00:34:24.000 --> 00:34:29.119 a turn lane, but I was parked. What does that mean? I 455 00:34:29.360 --> 00:34:31.800 just stopped. He he's waiting. You were waiting for a turn signal or 456 00:34:31.800 --> 00:34:35.960 something. Is that what you're saying? Yes, okay, so you weren't 457 00:34:36.000 --> 00:34:38.280 parked, you were stopped. There's a red light, there's a fed Ex 458 00:34:38.400 --> 00:34:43.920 truck coming at me. I'm going to turn the left and okay. So 459 00:34:44.159 --> 00:34:45.320 okay, okay, bro, I got you. I got you, Jim 460 00:34:45.480 --> 00:34:49.559 that we don't call that parking. We call that stopped. Okay, So 461 00:34:49.639 --> 00:34:51.960 you were in a stopped car and what happened? Then? All right? 462 00:34:52.679 --> 00:34:59.400 And another car hit you? Now what's the problem? Yes, so much. 463 00:34:59.760 --> 00:35:04.519 My My vehicle has been in the shop for a month. Their insurance 464 00:35:04.599 --> 00:35:08.400 is telling me that they're not going to pay for my rental. My truck 465 00:35:08.800 --> 00:35:14.800 will not be out of the shop for another week. And I mean, 466 00:35:14.960 --> 00:35:22.519 Jim, do you have on your insurance any rental car coverage? No? 467 00:35:22.519 --> 00:35:31.000 Okay, you can't dictate the limits of the other guy's coverage. But that 468 00:35:31.079 --> 00:35:35.039 doesn't mean they're not responsible to you. Well, yeah, I was just 469 00:35:35.039 --> 00:35:39.639 going to say, it's actually in your own policy you're oftentimes limited to thirty 470 00:35:39.719 --> 00:35:45.639 days. That's a very common restriction on your own insurance. Right when someone 471 00:35:45.760 --> 00:35:50.480 else's at fault, you're not bound by that thirty day limit because you don't 472 00:35:50.519 --> 00:35:53.519 have a contract with that insurance company. So unless they are saying you have 473 00:35:53.639 --> 00:35:59.960 cause delays or there's something abnormal, they should have to pay for the rental 474 00:36:00.079 --> 00:36:01.960 car, they should. But if the other guy has limits, but there's 475 00:36:01.960 --> 00:36:07.760 no limit, like for liability, those thirty day limitations are for your insurance. 476 00:36:07.800 --> 00:36:09.159 It's for your car, not for other p No, I get that. 477 00:36:09.280 --> 00:36:14.760 Here's what I'm asking, isn't it isn't it visible? Hold on? 478 00:36:14.920 --> 00:36:21.960 Isn't it possible that the other party has a limited liab their liability limits them 479 00:36:22.000 --> 00:36:24.639 to thirty days? No for someone else? No, okay, gun liability 480 00:36:24.679 --> 00:36:29.159 is a dollar amount, thank you, but not for not specific for rental, 481 00:36:29.280 --> 00:36:32.480 it's a I have five thousand dollars, they can pay more. They 482 00:36:32.519 --> 00:36:37.119 want what they're trying to do. Okay, So yeah, Jim that other 483 00:36:37.199 --> 00:36:40.880 part and no matter what his insurance does the other party, they will be 484 00:36:40.960 --> 00:36:45.480 responsible to you personally if that insurance doesn't pay they cause you this damage. 485 00:36:45.519 --> 00:36:52.760 What's the name of the other insurance Farmers? Of course, who's your insurance? 486 00:36:57.559 --> 00:37:01.840 Okay, they're both bad. Okay, so the other guy's insurance is 487 00:37:01.920 --> 00:37:07.280 Farmers and they won't. Well, you know what you're gonna Here's what you're 488 00:37:07.320 --> 00:37:12.760 gonna do. You're gonna keep the rental until your car is done, not 489 00:37:12.880 --> 00:37:17.719 a day longer. And if that company says we're not paying for it, 490 00:37:19.280 --> 00:37:24.360 you're gonna tell them this whatever, I don't care what you do. I 491 00:37:24.519 --> 00:37:32.800 am suing. You're insured for the damages because they damaged me. And whatever 492 00:37:32.920 --> 00:37:37.800 I don't get from you, I'm going to get from them directly, and 493 00:37:37.840 --> 00:37:43.239 then maybe they'll go after you for bad faith. You have to really be 494 00:37:43.360 --> 00:37:45.480 strong on that. Okay, Jim, did you understand what I said? 495 00:37:45.559 --> 00:37:50.800 First? You tell them I got it. You tell them, hey, 496 00:37:51.239 --> 00:37:53.440 I don't care what you do. Okay, I don't have a contract with 497 00:37:53.519 --> 00:37:59.360 you. All I know is that your dude injured me and I'm getting what 498 00:37:59.760 --> 00:38:04.000 I have coming. And then let us know what happens. But there's no 499 00:38:04.119 --> 00:38:08.159 way they can't pay you. Now, how about with all these delays going 500 00:38:08.199 --> 00:38:10.880 on, and thanks for calling, Jim, I want you to let us 501 00:38:10.880 --> 00:38:14.880 know what happens. So Brian, back to you. Now, with all 502 00:38:14.920 --> 00:38:17.760 these delays going on with parts supplies and all of this crap we've been hearing 503 00:38:17.760 --> 00:38:23.920 about, tell me what happens if it's unconscionable. Okay, yeah, I 504 00:38:23.960 --> 00:38:27.599 mean it could take three months, right, No, I know, And 505 00:38:27.639 --> 00:38:31.039 if your own insurance is paying, you are going to have problems because your 506 00:38:31.039 --> 00:38:35.480 policy is going to state that it's only limited to thirty days. But if 507 00:38:35.519 --> 00:38:38.599 someone else causes some homage, yeah, I mean, like I said, 508 00:38:38.679 --> 00:38:43.719 if there's anything that they're able to point to that says this is, you 509 00:38:43.719 --> 00:38:47.000 know, more than just a normal delay. This is something that you're causing 510 00:38:47.000 --> 00:38:52.719 a delay. You're liable' you're causing the problem, then they're not going to 511 00:38:52.800 --> 00:38:55.559 pay that. But if you just can't get your car fixed, you can 512 00:38:55.800 --> 00:38:59.960 argue the fact that, hey, I'm not the one that caused it. 513 00:39:00.360 --> 00:39:02.960 You're insured. That's right, that's right. You see, this is the 514 00:39:04.119 --> 00:39:10.320 whole concept. Their liability has to cover you. You do not have a 515 00:39:10.360 --> 00:39:16.760 contract with them. They can't dictate terms and conditions to you. The only 516 00:39:16.880 --> 00:39:27.679 thing that dictates terms and conditions would be law or reasonableness. For example, 517 00:39:27.679 --> 00:39:34.840 as Brian said, if you tell the guy I like driving this rental, 518 00:39:35.360 --> 00:39:39.199 I want you to delay my repair. Or you ordered something that wasn't on 519 00:39:39.280 --> 00:39:44.199 the original car and that's taking a delay. Or there's three other shops that 520 00:39:44.320 --> 00:39:46.159 could take you in today and you're like, nope, I'm only going to 521 00:39:46.239 --> 00:39:50.840 work with this shop, but they're three months out. That's unreasonable. Yes, 522 00:39:50.920 --> 00:39:55.280 exactly so reasonable. This will prevail. But if it's a legit damage, 523 00:39:55.519 --> 00:40:00.440 these a holes have to pay it to you. So anyway, three 524 00:40:00.519 --> 00:40:06.400 all three seven one three Tom three oh three seven one three eight two five 525 00:40:06.599 --> 00:40:10.480 five. Now we talk to Randy. Randy, what's happened in Randy? 526 00:40:12.840 --> 00:40:20.239 Okay, this is a question regarding my Homer's insurance. I also have USAA. 527 00:40:20.519 --> 00:40:24.280 I'm extremely happy with them. My question is I was speaking to the 528 00:40:24.320 --> 00:40:31.000 representative regarding hail damage. I told him that my roof was probably thirteen years 529 00:40:31.079 --> 00:40:37.559 old, and he told me that didn't matter because they do a full they 530 00:40:37.599 --> 00:40:43.760 do full replacement. I'm wondering, well they do full Everyone does full replacement. 531 00:40:43.840 --> 00:40:46.360 But I mean, if you write, I don't know, somebody does 532 00:40:46.400 --> 00:40:50.159 he What you're saying is it's not actual cash value, which is great. 533 00:40:50.199 --> 00:40:52.320 Okay, that's what I mean. That's what you want to make sure of. 534 00:40:52.440 --> 00:40:55.000 That's great. What I meant was if you have a full replacement policy, 535 00:40:55.480 --> 00:40:59.920 it doesn't matter how old your roof is. But can they force you 536 00:41:00.360 --> 00:41:04.079 at some point if they put a note in their file? Yes, can 537 00:41:04.119 --> 00:41:06.760 they force you in five years? Can they say to him, we're not 538 00:41:06.840 --> 00:41:09.840 ensuring you unless you get a new roof. They can non renew. It 539 00:41:09.880 --> 00:41:13.519 has to be at renewal, but they can choose to non renew. Okay, 540 00:41:13.559 --> 00:41:16.280 either at renewal or underwriting. Can they demand a new roof? Yes, 541 00:41:16.440 --> 00:41:20.119 or terminate the policy? They can say that, yeah. But what 542 00:41:20.280 --> 00:41:23.360 was your question on that? Well, my question was what was the difference 543 00:41:23.360 --> 00:41:27.920 to the actual cash value in the full replacement IUE? And you just expla 544 00:41:28.039 --> 00:41:32.280 big time, big time ACV takes your roof and depreciates it. So let's 545 00:41:32.360 --> 00:41:37.000 say, to make it really easy, if your roof was a twenty year 546 00:41:37.119 --> 00:41:43.039 roof and you had it ten years, you theoretically have used up half of 547 00:41:43.079 --> 00:41:46.199 it. You'll only get paid for half, and then your deductibles on top 548 00:41:46.239 --> 00:41:52.159 of that, and another wording that you'll find insurance policies because a lot of 549 00:41:52.239 --> 00:41:55.679 them have stopped using the term actual cash value. But you'll see something on 550 00:41:55.719 --> 00:42:01.000 there called a roof schedule. It's equivalent. It's just that they're spelling out 551 00:42:01.199 --> 00:42:05.800 what the roof schedule is. So instead of saying, hey, it's what 552 00:42:05.880 --> 00:42:08.800 actual cash value is, they're actually specifying. And you'll see a chart in 553 00:42:08.840 --> 00:42:14.960 your policy that says every year that that roof gets older, it will tell 554 00:42:15.039 --> 00:42:19.039 you what how much of it they'll pay for. So you have to kind 555 00:42:19.039 --> 00:42:22.679 of dig through your policy to see it. But I see that all the 556 00:42:22.800 --> 00:42:30.840 time. Now, okay, very tricky. One more question things. Okay, 557 00:42:30.920 --> 00:42:36.280 on my policy, I have a separate wind and hail from my house. 558 00:42:36.679 --> 00:42:42.480 And then it says other covered perils. When you say separate wind and 559 00:42:42.519 --> 00:42:45.920 hail, is it a separate deductible for wind and hail. Yes, okay, 560 00:42:46.760 --> 00:42:51.760 and it's got other covered perils. And during the summertime, you know, 561 00:42:51.840 --> 00:42:55.280 inhale, wind and hail season, I lower my deductible to pretty much 562 00:42:55.840 --> 00:43:05.440 almost the minimum. But you had said something about not getting the the two 563 00:43:05.559 --> 00:43:09.480 percent deductible two percent I guess of the value of the house. Yep, 564 00:43:10.599 --> 00:43:15.159 but I'm actually I looked at my policy and I am doing that for other 565 00:43:15.559 --> 00:43:23.000 covered perils two percent, which is h That's it's abnormal. You can't usually 566 00:43:23.079 --> 00:43:27.880 carry an all other peril that is higher than your wind and hail. Is 567 00:43:27.880 --> 00:43:31.559 that what you're saying you're doing. You're saying you have a defined collision accuse 568 00:43:31.599 --> 00:43:36.480 to me, a defined deductible on wind and hail, but you have a 569 00:43:36.519 --> 00:43:42.000 two percent deductible on every other perils. I think it's just the opposite. 570 00:43:42.159 --> 00:43:45.280 I know. I'm looking at my policy right here. I've got it on 571 00:43:45.320 --> 00:43:52.559 my laptop. I can take my other peril coverage up to ten thousand dollars 572 00:43:52.639 --> 00:43:55.760 all the way down the five hundred and then one percent, and then two 573 00:43:55.800 --> 00:44:02.119 percent, and those are totally That's not a good that's not a good policy. 574 00:44:02.159 --> 00:44:05.599 Bro. You need to get You say you're extremely happy with him. 575 00:44:05.599 --> 00:44:08.880 I don't know why you are. Well, he's saying he changing, okay, 576 00:44:09.000 --> 00:44:13.639 So yeah, what I'm curious about is if you actually try to go 577 00:44:13.800 --> 00:44:17.039 through with the change. I have never seen a policy. I've been doing 578 00:44:17.079 --> 00:44:22.079 this for thirty years. I've never seen a policy where the all other covered 579 00:44:22.159 --> 00:44:27.199 peril is lower than the wind and hail, So I don't know if you 580 00:44:27.239 --> 00:44:30.000 can actually do that at the end of the day, Like if you try 581 00:44:30.039 --> 00:44:32.440 to submit that through, my guess is that your wind in hail will also 582 00:44:32.519 --> 00:44:36.320 go up. But you know, I just have never seen it. But 583 00:44:37.559 --> 00:44:43.079 and listen, pe okay, listen. You can hold if you have more 584 00:44:43.159 --> 00:44:45.639 questions. I got to take a break. Three O three seven one three 585 00:44:45.639 --> 00:44:47.599 talk. Here's what I want to tell you, though, Call for the 586 00:44:47.639 --> 00:44:53.239 insurance check up. Anyone listening. There's no nothing to lose. You could 587 00:44:53.280 --> 00:44:57.360 possibly save a ton of money. Three oh three nine nine to six nine 588 00:44:57.400 --> 00:45:06.960 thousand. Go with a sure thing Denver's best roofer Excel Roofing dot com. 589 00:45:07.000 --> 00:45:14.119 You don't pay a cent until you're content. Time for an insurance checkup free, 590 00:45:14.199 --> 00:45:17.719 no obligation. In comparison, call Compass Insurance paying too much your coverage 591 00:45:17.760 --> 00:45:22.400 at dozens of insurance companies find out now three O three seven to seven to 592 00:45:22.440 --> 00:45:25.199 one help. You'll think you're his only customer when you choose Frank durand the 593 00:45:25.239 --> 00:45:30.800 real estate Man dot com to list your home with Remax Alliance three oh three 594 00:45:30.880 --> 00:45:39.440 nine two zero sixteen twenty two. Hi Tom Martine, here, let's talk 595 00:45:39.840 --> 00:45:43.519 Randy, do you have any last minute questions here? Randy, I'll let 596 00:45:43.559 --> 00:45:46.199 you. If not, I'm gonna go on to Connie. Randy real yeah, 597 00:45:46.239 --> 00:45:51.039 I have a real quick, quick go ahead, sir. Considering looking 598 00:45:51.039 --> 00:45:55.920 at other insurance companies because of price. I've heard that some insurance companies, 599 00:45:57.880 --> 00:46:01.920 if you have a little wire in your house, we'll require you to update 600 00:46:02.000 --> 00:46:07.119 that before they'll know the issue. You a policy you know well of finds 601 00:46:07.119 --> 00:46:10.960 out if that's true. Yeah, you know, it actually is difficult to 602 00:46:12.000 --> 00:46:15.920 get insurance with aluminum wiring. I will tell you this. I came on 603 00:46:15.039 --> 00:46:19.800 not too long ago because someone was struggling with this. I will tell you 604 00:46:19.880 --> 00:46:22.840 as I look through applications, so a lot of a lot of companies don't 605 00:46:22.840 --> 00:46:25.679 even ask the question. Now, if I was to call them and say, 606 00:46:25.719 --> 00:46:30.639 hey, this home has aluminum wiring, they would say, I don't 607 00:46:30.679 --> 00:46:32.719 think that's a good fit for us. But what I'm telling you is that 608 00:46:32.760 --> 00:46:37.320 doesn't mean that they have an exclusion. Don't ask, don't tell. That's 609 00:46:37.400 --> 00:46:43.079 kind of what the what the problem is there? Yep, listen, you 610 00:46:43.199 --> 00:46:46.719 could you could do this. You could try right and if they say, 611 00:46:46.960 --> 00:46:52.320 you know, Compass can can accomplish that in one phone call and compare you 612 00:46:52.360 --> 00:46:57.599 with twenty five or more companies. Okay, I think the starting point is 613 00:46:57.639 --> 00:47:00.559 before you go down the road of having even the conversation, but the aluminum 614 00:47:00.599 --> 00:47:04.760 wire, since that's not a question even on the quoting or the application. 615 00:47:05.400 --> 00:47:08.719 Just get a quote and if and you can see where that's coming in and 616 00:47:08.800 --> 00:47:12.760 then if it's if you're seeing that it's big savings, then we can talk 617 00:47:12.800 --> 00:47:15.360 a little bit further. But it would always say a savings. In other 618 00:47:15.400 --> 00:47:17.840 words, if it's a big savings, now it'll be proportional savings. No 619 00:47:17.840 --> 00:47:22.400 matter what, it's going to be proportional. So even if it's a little 620 00:47:22.440 --> 00:47:25.519 more expensive, it'll be a little more expensive everywhere. But they can give 621 00:47:25.519 --> 00:47:30.480 you a really good idea of where you stand exactly. Why is there thank 622 00:47:30.519 --> 00:47:34.320 you Randy. Why is there still a disparity on what people pay? Why 623 00:47:34.440 --> 00:47:37.079 is the insurance check up working? Why is it working? Because I thought 624 00:47:37.199 --> 00:47:43.480 everything just went sky high, everything went up, but there's still, you 625 00:47:43.480 --> 00:47:46.039 know, different rates out there. So even with us, when someone calls, 626 00:47:46.119 --> 00:47:52.000 all see rates that vary by over three hundred percent between carriers. So 627 00:47:52.199 --> 00:47:54.920 far, this is the longest I've been with a carrier. Why? Yeah, 628 00:47:55.000 --> 00:48:01.360 because your situation, as far as what you have insurance on, it's 629 00:48:01.400 --> 00:48:05.280 a limited number of carriers that are going to do that, plus your occupation 630 00:48:05.400 --> 00:48:07.360 and everything else. You're just in a situation where there's not a ton of 631 00:48:07.360 --> 00:48:10.079 carriers that are going to want to do it. Mark lies about his occupation, 632 00:48:10.320 --> 00:48:16.480 so he gets around it. So anyway, let's go to Connie. 633 00:48:17.400 --> 00:48:22.159 Connie, what's happening? Hi, Hi, Connie, what's going on? 634 00:48:22.199 --> 00:48:28.519 We're taking my car? Well, I don't know if I have any recourses. 635 00:48:29.599 --> 00:48:32.599 At least I will get the word out. My husband passed away. 636 00:48:34.239 --> 00:48:40.719 And he when did he pass away? When it was May third, twenty 637 00:48:40.840 --> 00:48:45.239 twenty two. Oh okay, I'm sorry, put kat Okay, so May 638 00:48:45.320 --> 00:48:51.079 twenty twenty two. Uh huh, go ahead. So he made these sales 639 00:48:51.280 --> 00:48:58.079 in November of twenty one up in Cordillera in Edwards, Colorado. So there 640 00:48:58.079 --> 00:49:02.519 were four significant sales. Now, did he own the company? No, 641 00:49:02.840 --> 00:49:08.199 he worked for Eco Roup and Soler. They're based out of Denver, Louisiana. 642 00:49:08.559 --> 00:49:15.039 Okay, Texas. Now, now he made these sales and he was 643 00:49:15.039 --> 00:49:21.280 a commissioned salesperson. Correct. Okay, So did they did he die with 644 00:49:21.320 --> 00:49:27.880 them owing him money? Yes? And he okay, So let me ask 645 00:49:27.920 --> 00:49:30.559 you that he died in May of twenty twenty two, he made these sales 646 00:49:30.599 --> 00:49:35.559 in fall of twenty twenty one. Why didn't he pursue you know, after 647 00:49:35.679 --> 00:49:39.920 all those months. Why didn't he get paid while he was alive. Because 648 00:49:40.760 --> 00:49:46.039 they don't start work up up in Edwards County or up in the mountains until 649 00:49:46.199 --> 00:49:52.760 spring or maybe even early summer, so he wouldn't have been paid until those 650 00:49:52.840 --> 00:49:57.400 jobs were come Okay, And by the way, many companies, here's what 651 00:49:57.400 --> 00:50:01.159 I'm going to tell you, if they're normal policy, not for people who 652 00:50:01.199 --> 00:50:08.320 pass away, but if their normal policy is commissions are doing payable upon the 653 00:50:08.519 --> 00:50:15.599 sale. That's one thing some companies don't do that. The commission is doing 654 00:50:15.679 --> 00:50:21.840 payable upon completion of the contract or execution of the contract, meaning or or 655 00:50:21.880 --> 00:50:27.119 excuse me, when they start work. So really, whatever their normal thing 656 00:50:27.280 --> 00:50:30.039 is, that's what would happen. So if in fact, they didn't start 657 00:50:30.079 --> 00:50:35.639 the jobs until after your husband died, and that's their normal policy, then 658 00:50:35.639 --> 00:50:37.960 you wouldn't be owed the money, but you certainly would be owed the money 659 00:50:38.360 --> 00:50:44.159 if they pay most everyone else when the sales made. So do you know 660 00:50:44.199 --> 00:50:50.280 what their policy is or what it has been in the past. I would 661 00:50:50.280 --> 00:50:57.119 say, I can't tell you one hundred percent, but based on his pay 662 00:50:57.800 --> 00:51:02.400 yeah, his pass would get paid when the jobs were finished. Okay, 663 00:51:02.440 --> 00:51:06.960 Well, then might get like a little. He could ask for an advance, 664 00:51:07.079 --> 00:51:09.440 or he could ask for you know, some of the money up front, 665 00:51:09.440 --> 00:51:13.440 which he had done before. No, I understand that. But was 666 00:51:13.480 --> 00:51:19.760 it doing payable or wasn't in advance? He didn't ask for anything in advance? 667 00:51:19.920 --> 00:51:24.480 He was no. You said he could, but what But sometimes sometimes 668 00:51:25.280 --> 00:51:30.639 here's my gut. My gut is it wasn't doing payable and he died and 669 00:51:30.719 --> 00:51:35.199 someone else took it over. That's my gut. If if did you? 670 00:51:35.239 --> 00:51:38.760 By the way, have you called the company many times? I've been in 671 00:51:38.840 --> 00:51:44.480 contact with them since my husband passed away, and they did tell me they 672 00:51:44.480 --> 00:51:50.400 were going to honor, you know, and pay me. So how much 673 00:51:50.760 --> 00:51:54.920 how much was he due? I mean, if he was alive and the 674 00:51:55.000 --> 00:52:00.920 jobs were completed, how much would he have made? I would say between 675 00:52:01.639 --> 00:52:07.639 five and fifteen thousand per job? Oh my goodness, gracious, yes, 676 00:52:08.199 --> 00:52:13.119 Now you could really use that money, I imagine. Now, Connie I 677 00:52:13.239 --> 00:52:17.320 could. Yeah, Connie, tell me this. Are they willing to pay 678 00:52:17.360 --> 00:52:23.840 anything? When's the last time you talked to him? I guess maybe three 679 00:52:23.840 --> 00:52:28.199 months ago. Now they have me black. I also called the partner and 680 00:52:28.239 --> 00:52:30.400 he seemed quite willing to work with me. But it's the offer. Chief 681 00:52:30.440 --> 00:52:35.679 in mind, Connie. They may not. They may not owe him the 682 00:52:35.679 --> 00:52:40.039 money. They may not. I truly my question, like, let's put 683 00:52:40.039 --> 00:52:43.880 it this way, what if he left the company? Would they have paid 684 00:52:43.960 --> 00:52:47.559 him instead of dying? If if he left the company the same time, 685 00:52:47.599 --> 00:52:52.280 what you have been paid for that? I don't think he would have left 686 00:52:52.280 --> 00:52:55.960 the company without being paid, But yeah, probably not. I don't know. 687 00:52:57.000 --> 00:52:59.719 I don't know what kind of but that's the point I'm making. If 688 00:52:59.719 --> 00:53:05.280 they're if commissions are due when the job's complete, they have a right to 689 00:53:05.280 --> 00:53:08.119 have that policy, and even though it leaves you on a lurch, they 690 00:53:08.199 --> 00:53:12.840 have a right to do it. Now, of course, a company could 691 00:53:12.880 --> 00:53:16.119 say, you know what, he made the sale, we closed on it, 692 00:53:16.599 --> 00:53:21.519 we did the job. No one else really lifted a finger. Let's 693 00:53:21.639 --> 00:53:24.159 toss her some money here. I mean, here's what I'd like to do. 694 00:53:24.639 --> 00:53:28.360 I would like one of our people to call them, since they have 695 00:53:28.440 --> 00:53:31.599 you blocked and just not demand anything, but see if they'd be willing to 696 00:53:31.599 --> 00:53:37.599 pay anything, that would be awesome. Who should we do? Who should 697 00:53:37.639 --> 00:53:44.719 who do you recommend? Mark or Kachina? Who do you recommend that we 698 00:53:44.840 --> 00:53:51.280 have do this? Dollar? I've got dollar and chopper here today, let's 699 00:53:51.320 --> 00:53:54.559 have don't do we're going to share any information? Well, who knows, 700 00:53:54.559 --> 00:54:00.199 we'll see, We're gonna we're gonna walk in with information. We're gonna say 701 00:54:00.199 --> 00:54:02.400 you recently had this guy passed away. We're just curious about his widow. 702 00:54:02.800 --> 00:54:08.400 I mean, if your policy is the jobs complete, if in reality no 703 00:54:08.440 --> 00:54:13.880 one really had to work at it, I mean, who knows. It's 704 00:54:13.920 --> 00:54:16.119 a toss up, Connie, but I think it's worth it. Try it 705 00:54:16.159 --> 00:54:20.480 can't hurt. I think you put it perfectly. If he just got up 706 00:54:20.480 --> 00:54:23.719 and left one day, yeah, I would turn out. Yeah, probably 707 00:54:23.719 --> 00:54:30.559 would not have been paid. And yeah, there's so many instances where people 708 00:54:30.159 --> 00:54:37.760 think something changes with death, meaning that the policies even it's crazy. Wouldn't 709 00:54:37.800 --> 00:54:42.039 it technically be the estate going after the money at this point if lawyers got 710 00:54:42.039 --> 00:54:45.719 involved, Well, let's say there was a legal obligation, Yeah, it 711 00:54:45.760 --> 00:54:47.840 would be. But then it would just go to her. I mean, 712 00:54:47.880 --> 00:54:52.719 because if she was his representative, it would be the same as him going 713 00:54:52.760 --> 00:54:59.800 after or the estate. But I think this, I think that he's probably 714 00:54:59.840 --> 00:55:01.280 not going to be due because they're going to say, listen, if people 715 00:55:01.360 --> 00:55:06.679 leave, yeahin death is leaving if they don't follow through the sale. We 716 00:55:06.800 --> 00:55:10.159 only pay commission upon the completion, you know, Connie. We get calls 717 00:55:10.360 --> 00:55:15.000 at least I don't know. I'd say monthly, maybe maybe bi monthly where 718 00:55:15.079 --> 00:55:20.199 people's mother or father pass away in an old folks home and Martin, you 719 00:55:20.239 --> 00:55:22.960 read my mind. You read my mind, yeap, and tell her what 720 00:55:23.039 --> 00:55:25.840 happens. I mean, it's amazing. Well, the lease is still valid 721 00:55:25.880 --> 00:55:30.119 and if they really want to, they can go after the estate for whatever's 722 00:55:30.159 --> 00:55:34.360 not getting paid. Yeah, if the if the woman or man died without 723 00:55:34.400 --> 00:55:38.559 giving notice, I'm serious, If you don't give notice, then they have 724 00:55:38.639 --> 00:55:44.000 to pay for the extra month or two or let's say there's a sixty day 725 00:55:44.039 --> 00:55:47.960 notice required and someone dies, they can hold you to that sixty day notice 726 00:55:49.000 --> 00:55:52.519 and take the money out of the estate. I'm Tom Martine. We got 727 00:55:52.519 --> 00:56:00.840 more coming up on the Troubleshooter show. Go with a Sure Thing, Denver's 728 00:56:00.880 --> 00:56:05.239 best roofer Excel Roofing dot com. You don't pay a cent until you're content. 729 00:56:07.599 --> 00:56:10.800 Time for an insurance check up free, no obligation. In comparison, 730 00:56:10.920 --> 00:56:16.000 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 731 00:56:16.039 --> 00:56:20.559 now three oh three seven seven to one help. You'll think you're his only 732 00:56:20.679 --> 00:56:23.480 customer when you choose Frank durand the real estate Man dot com to list your 733 00:56:23.519 --> 00:56:31.880 home with Remax Alliance three oh three nine two zero sixteen twenty two. I 734 00:56:32.000 --> 00:56:35.880 might have just done it earlier today. I don't know, because I was 735 00:56:35.920 --> 00:56:38.599 talking to Brian. Brian texted me something. I texted him back, but 736 00:56:39.079 --> 00:56:44.320 I may not have been on Brian's phone. We'll see three oh three seven 737 00:56:44.360 --> 00:56:46.960 to one three talk Treero three seven one three eight two five five. Hey, 738 00:56:47.159 --> 00:56:51.360 listen, don't forget. I don't say this enough three oh three Martino, 739 00:56:51.440 --> 00:56:53.199 because that's the one out you can call twenty four to seven. Leave 740 00:56:53.199 --> 00:56:55.079 your number, We'll get back to you and get you on the show. 741 00:56:55.400 --> 00:57:02.320 Three o three six two seventy four sixty six. Don was going on HI 742 00:57:02.440 --> 00:57:06.800 to them. Hey, I have a homeowners insurance question. Yes, sir 743 00:57:07.079 --> 00:57:09.679 kind of has to do it. Yeah, you know how like flood insurance 744 00:57:09.719 --> 00:57:15.800 is cost prohibitive, so we don't move in. It's cost prohibitive only in 745 00:57:15.840 --> 00:57:19.760 a floodplain. That's why had they have the federal subsidy. It is very 746 00:57:19.800 --> 00:57:23.760 reasonable everywhere else. Okay, so here's my question. Kind of associated with 747 00:57:23.800 --> 00:57:29.599 that, I'd like to move into the trees in central Colorado? Would and 748 00:57:29.960 --> 00:57:32.719 we have a family presence in beautavist The sort of thing is the same true 749 00:57:32.760 --> 00:57:37.280 of fire insurance and a forest I no, go. Yeah, it's not 750 00:57:37.320 --> 00:57:42.039 even just cost prohibitive, which I guess would if you could get insurance, 751 00:57:42.079 --> 00:57:45.480 it'd be cost prohibitive. But it's really hard to get insurance. What kind 752 00:57:45.519 --> 00:57:49.880 of insurance if you're ten miles away, it's bad. You can't wait a 753 00:57:49.880 --> 00:57:52.440 minute, you're telling me that I have a house in the forest, I 754 00:57:52.440 --> 00:57:55.079 can't get it covered? Yes? What? Yeah? Yep? And you 755 00:57:55.119 --> 00:58:00.400 know Colorado is trying to put together a plant Well do they do? That's 756 00:58:00.440 --> 00:58:05.159 going to be the perils except fire? Well, they just won't ensure you. 757 00:58:05.199 --> 00:58:08.400 But I have seen companies they will offer insurance and say, but we're 758 00:58:08.400 --> 00:58:13.320 not going to cover forest fire right now? I mean what do they consider 759 00:58:13.400 --> 00:58:15.119 force marks near a lot of trees. I'm going to rat them out ten 760 00:58:15.159 --> 00:58:20.800 miles. Yeah, it's within five miles of a fire department. Used to 761 00:58:20.840 --> 00:58:23.679 be kind of the standard. That's no longer even it they So what insurance 762 00:58:23.719 --> 00:58:29.440 companies go by getting insurance? He's grand because I have two fire departments. 763 00:58:29.480 --> 00:58:32.039 Pretty damn close. Yeah, but it's not even it doesn't even matter about 764 00:58:32.039 --> 00:58:36.039 the fire departments. Really. What they look at now is called a fire 765 00:58:36.239 --> 00:58:39.639 score, and your fire score can be from like whatever, zero to one 766 00:58:39.719 --> 00:58:45.320 hundred, let's say, And if your fire score is above fifty, it's 767 00:58:45.440 --> 00:58:50.840 really hard to find insurance without going to a specialty care. Do they count 768 00:58:50.840 --> 00:58:52.239 it there? Wait? Wait, wait, there's a huge flaw in what 769 00:58:52.320 --> 00:58:57.519 you just said. And I'm talking about my house when you shot me last 770 00:58:57.519 --> 00:59:00.840 time. You guys shot me every year, which really strange. Some companies 771 00:59:00.880 --> 00:59:06.559 have my fire score is way higher than other ones, so it's like completely 772 00:59:06.679 --> 00:59:10.280 arbitrum. How do they determine that? Yeah, and so that's the problem 773 00:59:10.360 --> 00:59:14.559 is you start to try to push down on their fire score and they say, 774 00:59:14.599 --> 00:59:16.960 well, that's our proprietary information, so they don't it's not it's not 775 00:59:17.000 --> 00:59:22.880 a standardized amount, because like some carriers go up to one hundred, and 776 00:59:22.920 --> 00:59:25.880 I've seen others that like say that it's a different score up to eighty let's 777 00:59:25.920 --> 00:59:30.800 say, so it just depends on the carrier. But they all are using 778 00:59:30.880 --> 00:59:35.039 fire scores now, and if your fire score is high, it's really hard 779 00:59:35.079 --> 00:59:38.639 to find a admitted carrier in the state of Colorado that's going to take it. 780 00:59:40.280 --> 00:59:45.000 And that goes for like Evergreen. You know, carriers like State Farm 781 00:59:45.079 --> 00:59:50.960 used to write homes and Evergreen way longer than anybody else did. Well, 782 00:59:51.000 --> 00:59:53.239 not anymore. They're not taking any new homes in Evergreen. They won't ensure 783 00:59:53.280 --> 00:59:57.239 them, and so you have to go to a specialty carrier for it. 784 00:59:58.800 --> 01:00:02.320 Okay, now go ahead, Martin. Were you going to say something? 785 01:00:02.440 --> 01:00:06.760 No, this was this was the caller. Do Yeah, I'm sorry to 786 01:00:06.840 --> 01:00:09.199 leave you out. I'm sorry to leave you out. Go ahead, since 787 01:00:09.239 --> 01:00:13.800 you're the one that called don Sorry. Well, no, I'm a little 788 01:00:13.880 --> 01:00:16.480 more confused than ever like that, So I don't. I just can't shop 789 01:00:16.519 --> 01:00:21.920 the forest unless I self insured kind of thing. Well, what I was 790 01:00:21.960 --> 01:00:24.760 saying that is that I don't blame them. It just what I what I 791 01:00:24.800 --> 01:00:28.960 was saying is that you might be able to find insurance with a specialty carrier. 792 01:00:29.000 --> 01:00:30.679 Like, we have a specialty carrier right now. The name of it 793 01:00:30.719 --> 01:00:35.960 is called Vault V A U L T. And this is a company. 794 01:00:35.960 --> 01:00:38.679 It's not admitted, so it's an it's a surplus line carrier. What does 795 01:00:38.679 --> 01:00:43.440 that mean. It's not regularly but regulated by the state of Colorado. You're 796 01:00:43.519 --> 01:00:46.840 you're not you're not bound by the same rules of Colorado. It's didn't know 797 01:00:46.920 --> 01:00:51.679 exempt companies were allowed to even Oh, there's tons of them here. Yeah, 798 01:00:51.760 --> 01:00:53.840 Like have you ever heard of a broker called Burns and Wilcox. No, 799 01:00:54.360 --> 01:01:00.679 they're a huge Uh so they do companies and so they just deal with 800 01:01:00.679 --> 01:01:04.559 with why are they allowed to sell in a state where they're not licensed. 801 01:01:04.639 --> 01:01:07.519 Well, it's not that they're not licensed, they're just not admitted. They 802 01:01:07.519 --> 01:01:10.079 don't have to file their their rates with the state of Colorado, so they 803 01:01:10.119 --> 01:01:14.480 can make changes quickly. Yeah. But but okay, but there's something to 804 01:01:14.519 --> 01:01:16.599 be said about that. I mean, what I mean is sometimes that might 805 01:01:16.639 --> 01:01:20.239 be our only option. Yes, well, and that's when you go to 806 01:01:20.320 --> 01:01:24.239 surplus is you have to have denials from admitted carriers first. But it's not 807 01:01:24.320 --> 01:01:28.599 hard to get denied whenever you're in a high fire risk area. So for 808 01:01:28.639 --> 01:01:31.639 this gentleman's case, before you go spend the money on buying the land and 809 01:01:31.679 --> 01:01:37.920 buying and starting the process of building a home, work on the insurance first. 810 01:01:37.960 --> 01:01:43.679 Make sure it's something you can even get insurance on. Wow, okay, 811 01:01:43.760 --> 01:01:47.360 hey quickly, I saw one area where the two acre parcels they don't 812 01:01:47.760 --> 01:01:52.840 the parcels are on well for home use and agriculture, but there's fire hidants 813 01:01:52.840 --> 01:01:55.960 in the street. Well there's something like that. I mean, how do 814 01:01:57.039 --> 01:02:00.519 I can we figure out our own fire scores? There some form I can 815 01:02:00.519 --> 01:02:04.760 start using to look at different properties. No, you know, I mean 816 01:02:05.079 --> 01:02:07.599 yeah, if you're more in an area where it is closer kind of to 817 01:02:07.639 --> 01:02:12.480 Mark's point, you're within five miles of a fire department and you have fire 818 01:02:12.559 --> 01:02:16.000 hydrants, you have a much better case to have a conversation with an underwriter. 819 01:02:16.079 --> 01:02:20.400 But that still doesn't determine the fire score. Yeah. If you think 820 01:02:20.440 --> 01:02:23.800 Green is within fire, fire says a big fire and there's no water, 821 01:02:23.960 --> 01:02:28.280 that's a big problem. That's a big problem. But what I'm telling you 822 01:02:28.360 --> 01:02:31.079 is, like a place like Evergreen has fire departments within five miles and they 823 01:02:31.119 --> 01:02:36.400 have a lot of places have fire hydrants, yet they're still not eligible with 824 01:02:36.519 --> 01:02:39.920 most standard carriers or most most admitted carriers. So I'm just saying, just 825 01:02:39.960 --> 01:02:45.679 because you find a property that has a fire hydrant within close proximity, that 826 01:02:45.719 --> 01:02:51.280 doesn't mean you're going to have a low fire score. Wow. Okay, 827 01:02:51.280 --> 01:02:53.280 well that's that's helpful. Why are you living in a forest? Man? 828 01:02:53.360 --> 01:02:58.360 Are you living in a forest? No, I would like to. We 829 01:02:58.400 --> 01:03:00.840 have a little house in town and being a and then a little sister has 830 01:03:00.840 --> 01:03:04.960 a little farm outside of the investa. She's the one that's on a well 831 01:03:05.039 --> 01:03:08.480 but has a hydrant. But I wanted to move, you know, retire 832 01:03:08.519 --> 01:03:12.440 up there kind of more in the trees. Yeah. I see what you're 833 01:03:12.480 --> 01:03:15.880 saying. You know, man, that I just did a quote for someone 834 01:03:15.960 --> 01:03:20.239 that moved in an area that is was impossible to find a sure way? 835 01:03:20.320 --> 01:03:22.599 Joe? How am I ended up finding it? It was? It was 836 01:03:22.639 --> 01:03:24.400 in a more expensive home. It was about two point five million. I 837 01:03:24.440 --> 01:03:30.079 found insurance for it. Uh. The premium on the home insurance was twenty 838 01:03:30.079 --> 01:03:34.239 two thousand. Oh that was the premium. And let me tell you you 839 01:03:34.280 --> 01:03:37.280 know what, God, do you know what the deductible was for forest fire, 840 01:03:37.960 --> 01:03:39.639 was just for fire. I shouldn't even say forest fire, the fire, 841 01:03:40.199 --> 01:03:47.840 the peril, for fire, the deductible one hundred thousand dollars. Go 842 01:03:47.960 --> 01:03:52.199 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 843 01:03:52.239 --> 01:04:00.599 a cent until you're content. Time for an insurance check up. Free obligation. 844 01:04:00.639 --> 01:04:04.119 In comparison, call Compass insurance paying too much your coverage at dozens of 845 01:04:04.119 --> 01:04:09.119 insurance companies find out Now three oh three seven seven to one help. You'll 846 01:04:09.119 --> 01:04:12.960 think you're his only customer when you choose Frank durand the real estate Man dot 847 01:04:13.000 --> 01:04:16.679 com to list your home with Remax Alliance three oh three nine two zero sixteen 848 01:04:16.760 --> 01:04:25.599 twenty two highs tom Marts you know here three oh three seven one three talk 849 01:04:27.000 --> 01:04:30.039 seven one three eight two five five. Brian Burns is with us. We've 850 01:04:30.079 --> 01:04:34.960 been very, very busy talking about insurance. Wow, more than we've had 851 01:04:35.000 --> 01:04:40.119 in a long time. That's because insurance is getting so expensive and yet it's 852 01:04:40.159 --> 01:04:45.440 such a necessity. I mean, no one wants to be unassured right. 853 01:04:45.320 --> 01:04:48.480 Our number is three oh three seven one three talk seven one three eight two 854 01:04:48.519 --> 01:04:54.079 five five. You can also call three oh three Martino twenty four seven, 855 01:04:54.119 --> 01:04:57.639 three oh three six two seventy four sixty six. Now something I want to 856 01:04:57.679 --> 01:05:01.840 say that when when they're not here, they still do this insurance checkup. 857 01:05:02.440 --> 01:05:04.920 So I want you to be able to call them, because we're going to 858 01:05:05.039 --> 01:05:10.920 use some examples today of people who saved money. Okay, so the insurance 859 01:05:11.000 --> 01:05:15.920 checkup is three oh three nine nine thousand, three oh three nine ninety six 860 01:05:16.079 --> 01:05:21.000 nine thousand, have your declaratious page ready and then ask him any question you 861 01:05:21.039 --> 01:05:26.639 want. We'll take all of your calls coming up. That means both your 862 01:05:27.519 --> 01:05:31.320 consumer calls and your insurance calls. They're both consumer calls. Right, whatever 863 01:05:31.400 --> 01:05:35.159 you have on your mind, give us a call, and we have more 864 01:05:35.199 --> 01:05:40.079 coming up on the Troubleshooter Show. Three oh three Martino three oh three six 865 01:05:40.199 --> 01:05:57.559 two seven eight four sixty six. Go with a sure thing Denver's Best roofer 866 01:05:57.719 --> 01:06:02.159 Excel Roofing dot com. You don't pay us sex until you're content, leave 867 01:06:03.639 --> 01:06:09.760 time for an insurance check up free, no obligation comparison call Compass Insurance paying 868 01:06:09.800 --> 01:06:13.840 too much your coverage at dozens of insurance companies find out now three oh three 869 01:06:14.039 --> 01:06:17.000 seven seven one help. You'll think you're his only customer when you choose Frank 870 01:06:17.079 --> 01:06:21.679 durand the real estate Man dot Com to list your home with Remax Alliance three 871 01:06:21.679 --> 01:06:34.760 oh three nine two zero sixteen twenty two rit News need so you don't have 872 01:06:38.039 --> 01:06:45.000 come run in sustas as we can. Shooter's gonna help come Man six is 873 01:06:45.039 --> 01:06:51.599 the Troubleshooter Show. No Tom Martino time, Tom Martino here, Welcome to 874 01:06:51.639 --> 01:06:57.280 the show. Three oh three seven one three talk is our number or three 875 01:06:57.280 --> 01:07:00.360 oh three Martino and you can call that twenty four to seven Leaven message. 876 01:07:00.400 --> 01:07:01.760 We'll get back to you, or you can come right live on the studio 877 01:07:01.760 --> 01:07:04.880 when we're on the air. Three zho three Martino three oh three sixty two 878 01:07:04.960 --> 01:07:09.280 seven eight four sixty six. This hour brought to you by Fix at twenty 879 01:07:09.320 --> 01:07:13.159 four to seven. When I tell you they have the best cleaning system when 880 01:07:13.199 --> 01:07:16.440 it comes to air and heat and HVAC systems, they get the dirt out 881 01:07:16.440 --> 01:07:19.440 the number one killer Fix at twenty four to seven. Fix at home dot 882 01:07:19.440 --> 01:07:25.480 Com just thirty nine bucks, a practical refurbishment of the entire system. Now, 883 01:07:25.559 --> 01:07:28.760 somebody said, Tom, you know, don't these companies just want to 884 01:07:28.760 --> 01:07:30.000 get in your home and sell you something. Now, I'm going to tell 885 01:07:30.000 --> 01:07:31.800 you something. They do want to get in your home. They do want 886 01:07:31.840 --> 01:07:34.599 to become your company, but they don't want to fix something. They don't 887 01:07:34.599 --> 01:07:38.000 want to replace it if they don't have to. They want to leave you 888 01:07:38.039 --> 01:07:41.639 with a great impression of thirty nine bucks. Now, this is for most 889 01:07:41.920 --> 01:07:45.800 legit companies that have specials, but especially this one. Now, but here's 890 01:07:45.840 --> 01:07:48.320 the deal. If they do find something wrong, they want to tell you 891 01:07:48.320 --> 01:07:51.360 you have a choice. But if you ever have a question about anything. 892 01:07:51.440 --> 01:07:59.039 Ever, when it comes to any kind of loss leader or deals for any 893 01:07:59.039 --> 01:08:02.199 company, no matter who who it is, what you should do is basically 894 01:08:03.239 --> 01:08:08.039 get a second opinion or write or write it for a while. I mean, 895 01:08:08.320 --> 01:08:12.800 unless something is urgent and you don't have poison spewing into your home, 896 01:08:13.000 --> 01:08:15.079 or when it comes to your water heater, you don't have leaking and you 897 01:08:15.079 --> 01:08:18.760 don't have big problems, then take it one step at a time, for 898 01:08:18.840 --> 01:08:25.119 all home services, for all mechanical issues, for all problems. Anyway. 899 01:08:26.640 --> 01:08:30.960 That's that's my little two cents there now, Steve welcome, appreciate you calling, 900 01:08:31.039 --> 01:08:33.399 and anyone else who wants to call give us a call right now three 901 01:08:33.479 --> 01:08:36.600 oh three seven one three talk seven one three eight two five five. He 902 01:08:36.640 --> 01:08:41.680 wants to talk about an HOA. Go ahead, Steve, Well, thanks 903 01:08:41.680 --> 01:08:44.920 for taking our call, Sir. We have lived in this home about these 904 01:08:44.920 --> 01:08:48.439 seven years and four and a half years ago we wrote a detailed letter to 905 01:08:48.479 --> 01:08:55.119 our HOA about their property that's adjacent to our backyard. We gave pictures, 906 01:08:55.119 --> 01:09:00.720 showed them plants that had died. It's just gotten worse left eighteen months where 907 01:09:00.880 --> 01:09:08.680 a sizable portion of our backyard we've lost about ten plants. And it's the 908 01:09:08.760 --> 01:09:14.159 erosion of their property. Are they just totally not maintaining it all this time? 909 01:09:14.199 --> 01:09:17.600 It's been four and a half years. They have not changed it at 910 01:09:17.640 --> 01:09:21.159 all. In four and a half years. It's got quite a slope and 911 01:09:21.199 --> 01:09:26.640 it drained straight into our sideyard and then last year during the heavy rainstorms, 912 01:09:27.560 --> 01:09:33.079 it contributed to helping flood our basement. Okay, so it's really have you 913 01:09:33.159 --> 01:09:40.560 talked to the neighbors, Well, the HOA is our neighbor in this case. 914 01:09:40.640 --> 01:09:43.840 They own the piece of property adjacent to us. Wait a minute, 915 01:09:43.840 --> 01:09:48.319 Wait a minute, so it is not a residence. I know it's HOA 916 01:09:48.439 --> 01:09:54.079 property, but when you say, ha property. Is it a swimming pool, 917 01:09:54.279 --> 01:09:56.880 is it a clubhouse? Is it? What? What is it? 918 01:09:57.079 --> 01:10:03.359 Common area? What is it? It's just a piece of dirt, open 919 01:10:03.399 --> 01:10:10.920 space. So it's common uncommon area. Yeah, it's uncommon. I mean 920 01:10:11.000 --> 01:10:23.359 no one uses it really, Okay, So okay, so it's the Hoy's 921 01:10:23.479 --> 01:10:28.760 property, which means part of your property. What's going on again? Like? 922 01:10:28.840 --> 01:10:30.960 What are what? What? Like? What are they doing about it 923 01:10:30.000 --> 01:10:32.279 anything? I mean you would think they'd want to fix it, right, 924 01:10:33.520 --> 01:10:38.479 well, you'd think so again. We tried a few years ago, and 925 01:10:38.520 --> 01:10:42.600 then we just tried again about ninety days ago. We asked them to come 926 01:10:42.640 --> 01:10:45.479 out and look at it, and it was getting so bad they brought out 927 01:10:45.479 --> 01:10:50.880 a landscaping company. The landscaping company thought that, you know, during the 928 01:10:50.920 --> 01:10:56.119 discussion it needed to be repaired. But when it went to the board meeting, 929 01:10:56.159 --> 01:10:58.960 this last is your house the only one? Is your house the only 930 01:10:59.000 --> 01:11:05.920 one affected by this? It is? And what specifically did you have an 931 01:11:05.920 --> 01:11:10.520 expert look at it? Like? Is anyone telling you specifically what's wrong with 932 01:11:10.560 --> 01:11:16.279 it? It's just poorly grated. We started, is there grass? What's 933 01:11:16.279 --> 01:11:19.880 on it right now? Is it dirt? What is it? You know, 934 01:11:20.000 --> 01:11:25.760 I think at one time it was just weed and so forth. But 935 01:11:25.960 --> 01:11:30.960 because of the size of the slope, it's just erode it into nothing but 936 01:11:30.800 --> 01:11:36.760 a large swaths of dirt, and so nothing's holding back to dirt from pouring 937 01:11:36.800 --> 01:11:43.039 onto our property. Okay, did you know that you could go to the 938 01:11:43.079 --> 01:11:47.439 county about that? You know? I did that actually, and the county 939 01:11:47.520 --> 01:11:56.760 came out and sent several emails, and once the HOA got involved, they 940 01:11:56.760 --> 01:12:00.920 said it was their private property, but the the county did believe that it 941 01:12:01.039 --> 01:12:06.239 needed to be regraded. And now a couple of years ago, why why 942 01:12:06.399 --> 01:12:10.439 is the HUA just resistant? Do you have an active board? Do you 943 01:12:10.479 --> 01:12:15.840 have a management company? We do have a management company, and I don't 944 01:12:15.880 --> 01:12:18.760 know if the board is active and knowledgeable, but well, what do you 945 01:12:18.960 --> 01:12:24.880 do they have meetings? Does the HUA board have meetings? They do? 946 01:12:24.920 --> 01:12:27.880 I believe it's every other month. I went to a meeting four and a 947 01:12:27.920 --> 01:12:30.039 half years ago, gave him my rule. That's not going to help. 948 01:12:30.199 --> 01:12:34.479 You obviously have to go again. There's probably even different officers, and you're 949 01:12:34.479 --> 01:12:39.960 gonna have to threaten legal action. I don't know what else to do, 950 01:12:40.079 --> 01:12:46.800 man, I mean, we can call them for you. But ha's Of 951 01:12:46.880 --> 01:12:53.479 all the problems we handle, hoas are the worst because no one cares. 952 01:12:53.960 --> 01:12:59.199 If there's no one person who is the HOA, so no one cares about 953 01:12:59.680 --> 01:13:02.640 any part of it any pot. There's not one HOA that I know of 954 01:13:02.680 --> 01:13:06.159 where people care. They say they care, but they don't. They all 955 01:13:06.199 --> 01:13:12.279 care about certain things. No one cares that as a community. The management 956 01:13:12.319 --> 01:13:16.600 companies especially don't care. Management companies simply want to keep the HA quiet and 957 01:13:16.640 --> 01:13:21.720 peaceful so they can collect their fees. That no one, no one, 958 01:13:23.399 --> 01:13:28.439 and I mean no one wants to address HA issues. No one, they 959 01:13:28.479 --> 01:13:32.000 don't. There's they that the officers want to avoid it and the management company 960 01:13:32.079 --> 01:13:38.159 wants to avoid it. It's the sheer nature of the operation. So what 961 01:13:38.239 --> 01:13:43.680 you have to do is upset the status quo. You literally have to upset 962 01:13:43.760 --> 01:13:46.960 the status quot. Now, one of the unfortunate things is that if you 963 01:13:47.079 --> 01:13:53.560 had an attorney write a letter to the HA threatening legal action if they continue 964 01:13:53.600 --> 01:13:56.920 to damage your property, you're going to have to show damages and all that, 965 01:13:57.039 --> 01:14:00.560 of course, but then if they respond with an attorney, it comes 966 01:14:00.600 --> 01:14:04.039 out of the HA. So you're going to be paying for part paying for 967 01:14:04.239 --> 01:14:12.079 fighting you what they should do. What they should do is say, instead 968 01:14:12.079 --> 01:14:15.359 of hiring attorney and fighting you, they should say, what can we do 969 01:14:15.439 --> 01:14:20.079 to correct the situation? But again, they don't act. They react, 970 01:14:20.680 --> 01:14:25.720 so honest to God, I'm not just pointing this out to you. It's 971 01:14:26.039 --> 01:14:30.279 just the nature of the beast. No one cares. No one does. 972 01:14:30.960 --> 01:14:34.319 And frankly, when the people are on the board who think they care, 973 01:14:35.039 --> 01:14:43.359 they get discouraged too because they suddenly find out that no one cares. And 974 01:14:43.399 --> 01:14:45.560 so they're thinking, well, I'm on the board and none of the members 975 01:14:45.640 --> 01:14:48.880 care, so we don't care. I mean, they may have brought it 976 01:14:49.000 --> 01:14:54.960 up with each other and they don't want to spend the money. It's just 977 01:14:55.800 --> 01:15:00.039 the weirdest thing in the world. Some you know, here's the thing. 978 01:15:00.840 --> 01:15:08.439 Who's your management company? What's the name of them? It's Canterbury Crossing is 979 01:15:08.479 --> 01:15:15.960 the homeowners Association. The management company is a local company downtown Parker. Have 980 01:15:15.079 --> 01:15:20.600 you ever gone in to visit the management company. Actually, I've talked to 981 01:15:20.720 --> 01:15:28.920 the head of the management company and also he sent out a management person about 982 01:15:28.960 --> 01:15:33.359 three months ago. And what did they say, you know, they said 983 01:15:33.359 --> 01:15:39.000 they would take it to the board. They had the landscape company come out 984 01:15:39.039 --> 01:15:43.000 here and meet them. And during those discussions, I was barely encouraged because 985 01:15:43.079 --> 01:15:47.119 the management or the landscape company, what happens. What happened, Uh, 986 01:15:47.720 --> 01:15:50.880 basically on Monday night, they met and they decided that they're not going to 987 01:15:50.920 --> 01:15:56.159 do anything. Okay, that's what we got to name. Then then they 988 01:15:56.159 --> 01:15:59.359 aren't ignoring you. You got your answer. They're not going to do anything. 989 01:16:00.399 --> 01:16:03.920 And by the way, that is exactly what's supposed to happen. They're 990 01:16:03.960 --> 01:16:10.920 supposed to talk to an expert. Then they're supposed to meet amongst themselves and 991 01:16:10.960 --> 01:16:15.239 make a decision. And so they are handling this. They have decided it 992 01:16:15.359 --> 01:16:24.199 is not an issue they had unfortunately for us. But that's not what I 993 01:16:24.239 --> 01:16:27.600 heard during the meeting with the landscape company. He could see all the damage 994 01:16:27.600 --> 01:16:30.159 being done. Yeah, but they decided not to do anything. Right, 995 01:16:30.319 --> 01:16:34.159 right, Well, they have a choice. They can do that. I'm 996 01:16:34.199 --> 01:16:36.199 not saying it's right, by the way, I hope you don't hear me 997 01:16:36.239 --> 01:16:41.520 saying that. But what I'm saying is you live under their rules and they 998 01:16:41.680 --> 01:16:45.800 say, now there is no problem. Now you disagree. But when you 999 01:16:45.960 --> 01:16:50.159 disagree and they don't agree with your disagreement. That's why it's a disagreement. 1000 01:16:51.319 --> 01:16:58.920 You have to take it to an outside arbiter. And if either arbitration, 1001 01:16:59.119 --> 01:17:01.720 if that's what you as signed up for, or you sue them. There 1002 01:17:01.800 --> 01:17:06.119 is no other answer. They've already handled it. I thought they weren't handling 1003 01:17:06.119 --> 01:17:09.399 it. We were going to call and try to light a fire under him 1004 01:17:09.439 --> 01:17:12.600 to look at it. They've already looked at it. Now you can use 1005 01:17:12.680 --> 01:17:18.199 in your lawsuit. You can use the landscaper. What did the landscaper say 1006 01:17:18.239 --> 01:17:23.119 it would take to fix it? How much did you find out? He 1007 01:17:23.199 --> 01:17:27.560 never gave us a price. He just talked about how he would go about 1008 01:17:27.960 --> 01:17:30.359 fixing the issue. Get a price. You're gonna before you do anything, 1009 01:17:30.359 --> 01:17:39.239 you need a damage And your insurance company did they subrogate against the HOA when 1010 01:17:39.359 --> 01:17:44.600 your flooding happened. You know, we ended up doing most of the cleanup 1011 01:17:44.640 --> 01:17:47.039 and then all we had to do is replace about a twelve x twelve piece 1012 01:17:47.039 --> 01:17:51.119 of carpet for four hundred bucks. Okay, well then you're lucky. What 1013 01:17:51.159 --> 01:17:55.640 you ought to do right now is get a price on what it would take 1014 01:17:55.720 --> 01:18:02.199 to correct that drainage, a real price. Then your attorney presents to the 1015 01:18:02.399 --> 01:18:11.399 Hua the choice of paying that and getting it done or being sued. Okay, 1016 01:18:11.520 --> 01:18:15.279 it's unfortunately what you have to do. And then you know and then 1017 01:18:15.319 --> 01:18:17.760 and then you can stay in touch with us each step of the way. 1018 01:18:18.159 --> 01:18:25.479 But sometimes it sounds like a pain in the asked eve. But it's something 1019 01:18:25.560 --> 01:18:30.359 that once you start might just they might just have enough common sense to say, 1020 01:18:30.439 --> 01:18:33.840 let's fix it. Like what if it's only going to take five thousand 1021 01:18:33.840 --> 01:18:38.039 dollars to fix it? I don't know. I would call the landscaper and 1022 01:18:38.039 --> 01:18:41.680 see if they'll if he'll give you an idea of how much? All right? 1023 01:18:42.600 --> 01:18:45.720 And then when you always here's the quickest way to a solution. You 1024 01:18:45.840 --> 01:18:54.439 present a problem and then a solution. And if you present just the problem 1025 01:18:54.680 --> 01:18:59.720 and the solution is wide open, they don't like it. So give me 1026 01:18:59.720 --> 01:19:01.720 a call back and let me know what happens. Three O three seven one 1027 01:19:01.800 --> 01:19:08.600 three talk seven one three eight two five five eight eight eight. Heating dot 1028 01:19:08.640 --> 01:19:12.720 Com the risk free service fee twenty eight bucks. Get any one item, 1029 01:19:12.800 --> 01:19:17.560 plumbing item, electrical item, HVAC items serviced and checked twenty eight dollars. 1030 01:19:17.600 --> 01:19:21.479 If you need any serious stuff going on here, they'll credit you the twenty 1031 01:19:21.520 --> 01:19:26.279 eight, but it's risk free. That's all you pay eight eight eight heating 1032 01:19:26.359 --> 01:19:35.760 dot com. Go with a sure thing Denver's best roofer Excel Roofing dot com. 1033 01:19:35.800 --> 01:19:43.359 You don't pay a cent until you're content. Time for an insurance check 1034 01:19:43.439 --> 01:19:46.720 up free, no obligation. In comparison, call Compass Insurance paying too much 1035 01:19:46.840 --> 01:19:51.119 your coverage at dozens of insurance companies find out now three all three seven seven 1036 01:19:51.159 --> 01:19:55.920 to one help. You'll think you're his only customer when you choose Frank durand 1037 01:19:55.920 --> 01:20:00.359 the real estate man dot com to list your home with Remax Alliance three all 1038 01:20:00.399 --> 01:20:12.640 three nine two zero sixteen twenty two. Tom Martino here three all three seven 1039 01:20:12.640 --> 01:20:16.039 to one to three talk three all three seven one three eight two five five. 1040 01:20:16.039 --> 01:20:20.159 We have Compass Insurance Group with us, and my goodness, we've had 1041 01:20:20.199 --> 01:20:24.920 a lot of insurance calls and now I'm going to go some text messages about 1042 01:20:24.920 --> 01:20:29.680 insurance. And somebody said, Tom, you were going to talk about increases, 1043 01:20:29.720 --> 01:20:33.000 but you didn't talk about it yet. Why, Okay, I know 1044 01:20:33.039 --> 01:20:36.039 what you're gonna say, losses, But does that go for auto and home 1045 01:20:36.199 --> 01:20:40.960 and everything and around the country. Brian, we're talking about around the country. 1046 01:20:41.000 --> 01:20:45.439 Okay, we're not just talking Colorado, so let's talk about what's going 1047 01:20:45.520 --> 01:20:50.119 on around the country. Why why why insurance is going crazy? Well, 1048 01:20:50.239 --> 01:20:55.359 I mean if obviously, if we're talking about auto, yeah, let's okay, 1049 01:20:55.479 --> 01:20:57.520 let's take one at a time, whatever you want to do. A 1050 01:20:57.560 --> 01:21:00.880 big reason for the increases in auto is also the increased cost of the vehicles 1051 01:21:00.880 --> 01:21:04.079 that we're driving. So, I mean, just look at what the cost 1052 01:21:04.119 --> 01:21:06.840 of vehicles are. They're going up and the more and more they're becoming like 1053 01:21:06.920 --> 01:21:14.159 computers. A small fender bender is costing substantially more now today than okay, 1054 01:21:14.359 --> 01:21:16.880 I can buy that. So that's going to have an effect on your insurance 1055 01:21:16.960 --> 01:21:19.640 rates. It's going to go up, you know. And I know we're 1056 01:21:19.640 --> 01:21:26.159 talking across the country. Uh, obviously in Colorado we have added elements to 1057 01:21:26.239 --> 01:21:30.359 that that is causing our rates to go up even more. Guys, there's 1058 01:21:30.399 --> 01:21:33.920 one word for this, and you both know what it is. Inflation Bidenomics. 1059 01:21:35.159 --> 01:21:38.359 Do you think so, Mark, really, I mean, what do 1060 01:21:38.399 --> 01:21:43.399 you think Brian not be getting but our current economic client. I don't know 1061 01:21:43.439 --> 01:21:45.000 if that if that is it, I don't know. I know it's not 1062 01:21:45.079 --> 01:21:49.000 COVID anymore, is it? What is it? Well, I I'm going 1063 01:21:49.039 --> 01:21:53.159 off of with Colorado. If you're there was actually an article and I wish 1064 01:21:53.159 --> 01:21:58.079 I would have pulled it up in Denver Post just uh maybe a month ago, 1065 01:21:58.159 --> 01:22:00.960 a couple months ago, talking about how Colorado rates have just gone nuts. 1066 01:22:01.119 --> 01:22:04.399 Here. Okay, so that's not Biden, I mixed Colorado Colorado. 1067 01:22:04.800 --> 01:22:10.920 Colorado has had more hail losses to vehicles. They're number two in the entire 1068 01:22:10.960 --> 01:22:15.199 country, right behind Texas. So they've had more losses as a result of 1069 01:22:15.319 --> 01:22:19.520 hail than any other state in the country other than Texas. So you're going 1070 01:22:19.600 --> 01:22:23.199 to see that that's going to have an effect on your rate as well. 1071 01:22:23.680 --> 01:22:28.800 So in Colorado it's higher than the country. And how about the thirty five 1072 01:22:28.840 --> 01:22:32.479 percent of people that aren't even covered with auto insurance in the state of Colorado 1073 01:22:32.520 --> 01:22:38.000 and the sixty percent plus that are actually undercovered. How about if we change 1074 01:22:38.119 --> 01:22:42.079 right, are not covered at all? Which mark you're exactly right. Another 1075 01:22:42.159 --> 01:22:45.399 piece to what you're seeing your where you're seeing your rates go up is on 1076 01:22:45.479 --> 01:22:48.840 the uninsured motorists. Right so far and so far in twenty twenty four, 1077 01:22:51.600 --> 01:22:58.079 the number one New York has the highest rates. Florida is number two, 1078 01:22:58.640 --> 01:23:02.399 Louisiana is number three, three, Colorado is four. Wow, yeah, 1079 01:23:02.479 --> 01:23:08.920 number four in the top five. Oh my god. And that's because ours 1080 01:23:08.960 --> 01:23:12.640 can be tied to hail damage. That's what hail damage is. And fires. 1081 01:23:12.760 --> 01:23:15.439 Let's not forget fire, but not cars though, Mark, we're not 1082 01:23:15.760 --> 01:23:18.760 talking to houses now, but cars. Yeah. Yeah, And then okay, 1083 01:23:18.760 --> 01:23:24.319 what about homes? What about homes? Well? Home insurance? Still 1084 01:23:24.560 --> 01:23:27.800 are we number five? Are we up? I just saw the thing that 1085 01:23:27.840 --> 01:23:31.119 said number four underneath auto insurance. I'm not sure about home insurance where our 1086 01:23:31.199 --> 01:23:34.800 rates compared to the entire nation, But I guarantee you it's it's up there. 1087 01:23:35.479 --> 01:23:38.720 It's up there, and costs it's not going to be as much as 1088 01:23:38.720 --> 01:23:41.399 Florida. Okay, we're gonna find out in a second year. I'm asking 1089 01:23:41.439 --> 01:23:47.800 Professor bing So really, Oklahoma, Kansas, Nebraska, guess what Florida, 1090 01:23:47.840 --> 01:23:50.800 Colorado, they're up there, there we are. And that's all because of 1091 01:23:50.840 --> 01:23:56.399 weather. That's all hail and tornadoes and it marks right, there is fire. 1092 01:23:56.439 --> 01:24:00.720 But fire is even though it dominates the news a lot of times. 1093 01:24:00.840 --> 01:24:04.960 And there are places that are hard to get insurance period. What drives they 1094 01:24:05.000 --> 01:24:09.439 said, Colorado is one of those. Yeah, what drives the rates in 1095 01:24:09.520 --> 01:24:13.319 Colorado for home insurance too is hail. Hail is what cause? They say 1096 01:24:13.359 --> 01:24:16.800 here in Colorado. Wildfires and hal are the two biggest ones. Yep, 1097 01:24:18.079 --> 01:24:28.600 wildfires and hal now in Florida. Hurricanes in Nebraska. Hmm, it says 1098 01:24:28.640 --> 01:24:33.720 similar to Kansas and Kansas is basically they don't give a specific it must just 1099 01:24:33.800 --> 01:24:36.640 be weathered. Well, yeah, I mean you think of tornado. Those 1100 01:24:36.760 --> 01:24:42.520 tornadoes are isolated. I know that what tornadoes offense to me. I don't 1101 01:24:42.600 --> 01:24:47.319 understand tornadoes because they're isolated, although they do devastating damage right hit and then 1102 01:24:47.479 --> 01:24:53.399 Oklahoma is the same, Oklahoma, Kansas, Nebraska, they're all they're all 1103 01:24:53.479 --> 01:24:56.800 right up there and and they're they're a close top five by the way, 1104 01:24:57.439 --> 01:25:02.479 So it's it's a tough business. How does this make your your business difficult 1105 01:25:02.560 --> 01:25:05.039 right now? Well, people are getting pissed off and you got to find 1106 01:25:05.079 --> 01:25:08.800 them a deal. But you can't find them a deal three or three seven 1107 01:25:08.800 --> 01:25:10.560 to one to three talk. By the way, if you guys have a 1108 01:25:10.560 --> 01:25:13.279 problem, question, complain, or you have an insurance issue, go ahead. 1109 01:25:13.439 --> 01:25:15.760 Yeah, the biggest struggle we have right now is that there's a lot 1110 01:25:15.800 --> 01:25:20.680 of carriers that have really made it clear they don't want to grow in Colorado 1111 01:25:20.760 --> 01:25:25.279 right now. A lot of them have shut down business. They won't even 1112 01:25:25.319 --> 01:25:28.760 take new business. So we have customers that will call or we'll reach out 1113 01:25:28.760 --> 01:25:31.479 to them at renewal and say, listen, here's your rate. We couldn't 1114 01:25:31.520 --> 01:25:35.039 look at other options, but it might cause a higher deductible. Well, 1115 01:25:35.119 --> 01:25:39.920 we need an insurance pool at some point where they're talking about takes over. 1116 01:25:40.119 --> 01:25:44.600 They're talking about it but specifically for the fire risk areas, and they but 1117 01:25:44.680 --> 01:25:47.960 it's a very limited amount of coverage and it's it's only covering fire, so 1118 01:25:48.000 --> 01:25:54.520 you still have to have insurance. Well you also have that for hell companies 1119 01:25:54.600 --> 01:25:57.880 start pulling out, you would have to. Yeah. I don't see Colorado 1120 01:25:57.960 --> 01:26:00.680 having some kind of pool together for damage. I know what I say. 1121 01:26:00.800 --> 01:26:05.039 I see hailproof roofs as being the only standard. Yeah. Yeah, like 1122 01:26:05.159 --> 01:26:12.359 Mark, you have that roof, then it it takes a hail and just 1123 01:26:12.439 --> 01:26:15.479 absolutely nothing happens to it. You're your roof can can take the impact? 1124 01:26:16.479 --> 01:26:19.560 Yeah? And is that right? Roof can't take it? It's catastrophic, 1125 01:26:20.079 --> 01:26:24.319 That's what I mean. Yeah, yours, And I'm just wondering if more 1126 01:26:24.319 --> 01:26:27.000 and more people are going to go to that kind of roof. And mine's 1127 01:26:27.079 --> 01:26:30.239 in essence heals proof too when you talk tile stone. Yeah, well, 1128 01:26:30.279 --> 01:26:34.199 the problem with the hail proof stuff is most people aren't going to come out 1129 01:26:34.239 --> 01:26:39.800 of pocket like my roof would have been, I don't know, seventy eighty 1130 01:26:39.920 --> 01:26:44.560 thousand for a normal class four. This stuff is double in more so. 1131 01:26:44.560 --> 01:26:46.199 So I mean, most people aren't going to pay for that. It's a 1132 01:26:46.279 --> 01:26:50.840 problem. Brian, No, you're right, but if because it for that, 1133 01:26:51.399 --> 01:26:55.359 but if it gets to the point where you're paying for your own roof 1134 01:26:55.479 --> 01:26:59.960 in the case of a loss, you're going to do things to Tamark where 1135 01:27:00.079 --> 01:27:03.720 it's not gonna happen as frequently. So, Mark, what is the So 1136 01:27:03.840 --> 01:27:09.720 the upgrade on that was basically double Yeah, it's a little more than double 1137 01:27:11.439 --> 01:27:15.359 wow. And now what do they say about premium? Did you save? 1138 01:27:15.520 --> 01:27:21.000 Did you could you calculate that? Well, the premium doesn't. The reason 1139 01:27:21.479 --> 01:27:26.479 the reason it changes is because you up the deductible. That's why went to 1140 01:27:26.520 --> 01:27:32.079 the very high deductible, just because they do, though you get a reward 1141 01:27:32.119 --> 01:27:34.960 for it. But Mark, you're right, the bulk of your savings is 1142 01:27:35.000 --> 01:27:39.239 going to be the fact that you don't care if you take a twenty thousand 1143 01:27:39.319 --> 01:27:44.600 deductible anymore, because your roof can hold up to this Catastruphe specifically for Hale 1144 01:27:44.760 --> 01:27:48.119 is what I'm talking when in hail deductible, you can raise that up because 1145 01:27:48.159 --> 01:27:51.720 you're not worried about that loss. I say this to people that have concrete 1146 01:27:51.760 --> 01:27:57.079 tile roofs, I say, you know you have the investment already in the 1147 01:27:57.159 --> 01:28:01.000 roof. I would take advantage of that gear your premium lowered because the chance 1148 01:28:01.079 --> 01:28:05.600 of you having I have that on my roof of higher. We do see, 1149 01:28:05.800 --> 01:28:12.439 and and that's because of the the hell proofness if the that'st word of 1150 01:28:12.520 --> 01:28:15.079 the roof. All right, let's go to bry or deductible by the way, 1151 01:28:15.279 --> 01:28:18.800 the barrels are these both? No, I want to go to Brian 1152 01:28:18.880 --> 01:28:25.479 with the homeowners insurance question. First, go ahead, Brian? How are 1153 01:28:25.520 --> 01:28:30.399 you? Hey? What's happening? Hey? So, what we're doing is 1154 01:28:30.439 --> 01:28:34.119 we are going to be building some modular homes. Now, what I'm wondering 1155 01:28:34.840 --> 01:28:40.359 is, when we get them built and they're in transport, how are we 1156 01:28:40.439 --> 01:28:43.880 going to ensure that? All Right? Hold on me. That's a great 1157 01:28:43.960 --> 01:28:46.960 question. We're going to because I I that's weird. That's weird. We'll 1158 01:28:46.960 --> 01:28:49.840 we'll look it up, we'll talk about it coming up. Three oh three 1159 01:28:50.000 --> 01:28:54.640 seven to one three talk that. Brian's next, then Brian another Brian is 1160 01:28:54.640 --> 01:28:59.279 after that, and then we have Brian from Compass Insurance Group. Brian Day. 1161 01:28:59.439 --> 01:29:08.600 Yeah, I'm Tom Martino. Go with a sure thing Denver's best roofer 1162 01:29:08.720 --> 01:29:15.880 Excel Roofing dot com. You don't pay a cent until you're content. Time 1163 01:29:15.920 --> 01:29:18.800 for an insurance check up free, no obligation. In comparison, call Compass 1164 01:29:18.840 --> 01:29:24.479 Insurance paying too much your coverage at dozens of insurance companies find out now three 1165 01:29:24.560 --> 01:29:28.399 oh three seven seven to one help. You'll think you're his only customer when 1166 01:29:28.399 --> 01:29:31.159 you choose Frank durand the real estate Man dot com to list your home with 1167 01:29:31.279 --> 01:29:39.640 Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino 1168 01:29:39.880 --> 01:29:45.520 here three three seven one three talk three oh three seven one three eight two 1169 01:29:45.640 --> 01:29:49.520 five five. So back to Brian. He had a question. He's building 1170 01:29:49.520 --> 01:29:55.720 a home manufactured home while it's being transported. I want to ask an obvious 1171 01:29:55.800 --> 01:29:59.760 question, does the transport company have insurance. Well, and it's usually who 1172 01:30:00.159 --> 01:30:03.399 is owner the owner of the house. Usually they don't. You don't take 1173 01:30:03.399 --> 01:30:06.680 ownership until it rerives at your I don't know, like your land. Like 1174 01:30:06.800 --> 01:30:12.159 Brian explain that to us. You're gonna have it transported. You bought it 1175 01:30:12.199 --> 01:30:15.079 from a company. Do they ensure it until it's set up? Well, 1176 01:30:15.199 --> 01:30:18.840 we will be the company and we will be shipping them. Now what do 1177 01:30:18.880 --> 01:30:23.479 you mean you will be Oh? Wait, you are building you're in the 1178 01:30:23.600 --> 01:30:28.640 business of building manufactured homes. Well, we're not quite yet, but we're 1179 01:30:28.640 --> 01:30:30.920 getting pretty close. And it's kind of really Now hold on, do you 1180 01:30:30.920 --> 01:30:36.880 have a factory or starting Uh? Essentially, yeah, we're getting the numbers 1181 01:30:36.960 --> 01:30:41.800 right now. So we're gonna we're gonna try to start start building some manufactured 1182 01:30:41.840 --> 01:30:43.840 home. How are you going to do it? Are you going to do 1183 01:30:43.960 --> 01:30:45.479 like two pieces? Four pieces? How are you going to do it? 1184 01:30:45.640 --> 01:30:49.760 Actually, these are gonna be two stories and they're gonna be three pieces. 1185 01:30:50.359 --> 01:30:54.399 Very cool, man, that's what gave you the idea to do this. 1186 01:30:56.199 --> 01:30:59.600 Well, it's kind of weird because I talked to you about it before when 1187 01:30:59.680 --> 01:31:04.680 we were building sheds and we were we were training the sheds over the houses, 1188 01:31:04.720 --> 01:31:11.119 so it's sort of morphed into this. Okay, so do you have 1189 01:31:11.159 --> 01:31:15.920 your first design? I do, and I'm actually talking with I'm getting some 1190 01:31:16.039 --> 01:31:20.239 architecturals right now and we've got to get some structural details. But other than 1191 01:31:20.279 --> 01:31:25.399 that, we'll be ready to go. And we've found some properties that are 1192 01:31:25.399 --> 01:31:29.079 decently priced to where people can afford them. So we're the only problem with 1193 01:31:29.479 --> 01:31:32.520 building The only problem with building it in pieces like that is you have to 1194 01:31:32.560 --> 01:31:36.760 have you have to have actually more structured than you would if you built it 1195 01:31:36.800 --> 01:31:42.159 on site because some of the things you can keep in common you can't do 1196 01:31:42.239 --> 01:31:45.640 while transporting. But right, right, but let me ask you this. 1197 01:31:46.079 --> 01:31:51.399 Do you have a transport company? No, but we will be we'll be 1198 01:31:51.520 --> 01:31:58.159 supplying transport or No. I understand that, But have you talked What I'm 1199 01:31:58.159 --> 01:32:01.399 getting at is this, have you talked to transport companies? No, talking 1200 01:32:01.520 --> 01:32:04.800 like APEX or someone we have? Not? Well, I would do that 1201 01:32:04.960 --> 01:32:11.880 first, so you're not redundant. Many of these transport companies have already tackled 1202 01:32:11.880 --> 01:32:16.279 this, but Brian's too. Yeah. One thing that we have to do 1203 01:32:16.399 --> 01:32:23.479 is we're going to be building the main structure on the actual trailer. Why 1204 01:32:24.439 --> 01:32:30.720 on what trailer? So on at Goose Neck trailer will be well, why 1205 01:32:30.800 --> 01:32:32.239 why would you do that? Let me ask you? And then how do 1206 01:32:32.279 --> 01:32:34.359 you get it off that trailer? When you get it to the house. 1207 01:32:34.399 --> 01:32:39.720 You crane it? Yeah, we're going to crane it. But why build 1208 01:32:39.760 --> 01:32:42.640 it on that? I'm just curious. I'm not I don't know anything about 1209 01:32:42.640 --> 01:32:45.039 this, but why would you do it on there? Is it just easy? 1210 01:32:45.279 --> 01:32:46.920 Is it just one less step? Then? Is that what you're thinking 1211 01:32:47.880 --> 01:32:50.720 exactly? So you don't have to get a crane out there to lift it 1212 01:32:50.800 --> 01:32:54.920 onto the trailer? Okay, well that's pretty cool. If you got the 1213 01:32:54.920 --> 01:32:57.239 trailer sitting right next to it, you might as well build it on it. 1214 01:32:57.640 --> 01:33:00.239 No, I mean that's a very good idea. Yeah yeah, yeah. 1215 01:33:00.239 --> 01:33:02.560 So well, as the builder, you're you're gonna have to have an 1216 01:33:02.560 --> 01:33:06.479 insurance policy. Insurance. Yeah, you'll have to get an insurance policy, 1217 01:33:06.520 --> 01:33:11.000 which we'll have the commercial general liability and property and all that. But the 1218 01:33:11.039 --> 01:33:13.600 transport is going to be a special animal. Well, but it's going to 1219 01:33:13.640 --> 01:33:15.680 be part of his because he's going to be regularly doing this, so he's 1220 01:33:15.720 --> 01:33:19.079 going to just make sure that he has the coverage to protect him up to 1221 01:33:19.159 --> 01:33:24.239 a certain dollar limit of whatever, or he's protected up to the point that 1222 01:33:24.239 --> 01:33:27.920 it's hooked to that transport company and they might take over, no no doubt. 1223 01:33:27.960 --> 01:33:30.840 If he can get the transport company to actually take on the responsibility, 1224 01:33:30.840 --> 01:33:33.439 great, If not, he just needs to make sure that his policy will 1225 01:33:33.479 --> 01:33:36.720 extend. Now, you know, I've often said this, Brian, that 1226 01:33:36.920 --> 01:33:42.359 building stuff under strict controls, if you have an environment of strict controls, 1227 01:33:42.359 --> 01:33:45.600 if you're not just stick building it anyway, you're just doing it off site. 1228 01:33:45.000 --> 01:33:48.000 I mean, but if you're doing it to certain standards and jigs and 1229 01:33:48.039 --> 01:33:51.239 all of that, you can actually turn out better quality than stick built on 1230 01:33:51.359 --> 01:33:57.039 site. Sure, well we have to we have to abide by the IRC 1231 01:33:57.279 --> 01:34:00.600 rules you know anyway, so hurt for HUT or any of that. So 1232 01:34:00.640 --> 01:34:01.960 we're yeah, but you want to go beyond that. I'm talking about going 1233 01:34:02.000 --> 01:34:05.199 beyond that anyway. So are they going to be what price ran like? 1234 01:34:05.199 --> 01:34:11.880 Like, are they going to be considered medium kind of homes, higher end 1235 01:34:11.920 --> 01:34:15.840 homes, fancy homes, what basic homes? So they're not We're going to, 1236 01:34:15.079 --> 01:34:18.000 like I said, we're going to try to keep them as affordable as 1237 01:34:18.039 --> 01:34:21.319 we can, so people here in Colorado can't actually buy them because it's almost 1238 01:34:21.359 --> 01:34:26.119 impossible. Now, what price point? What price point do you have? 1239 01:34:27.199 --> 01:34:31.399 We we're trying to stay within two fifty to two eighty two fifty to two 1240 01:34:31.439 --> 01:34:36.319 seventy five. So if you stay to two seventy five, would that include 1241 01:34:36.319 --> 01:34:41.960 transport? That's that's a three bedroom that's going to be complete? Is that 1242 01:34:42.279 --> 01:34:47.680 okay? That's on site? Yes, on their foundation, So we're not 1243 01:34:47.760 --> 01:34:51.119 going to be doing foundations. We're going to put these units on case on 1244 01:34:51.399 --> 01:34:55.760 so that we don't have all what if they have a foundation, will you 1245 01:34:55.760 --> 01:34:59.720 put it on their foundation if they want to put a foundation in Ye, 1246 01:35:00.039 --> 01:35:01.960 and absolutely so whatever they want to do. So, if they're looking at 1247 01:35:01.960 --> 01:35:06.159 two seventy five to the site and then you set it up and they have 1248 01:35:06.199 --> 01:35:12.119 a foundation, dirt working lot, then they're looking at a complete package of 1249 01:35:12.159 --> 01:35:17.439 five or six hundred probably we're going to try to stay under that five or 1250 01:35:17.479 --> 01:35:20.199 six hundred thousand. Is that what you're saying? Well, here, okay, 1251 01:35:20.319 --> 01:35:25.520 two seventy five for you, the foundation is going to be a minimum 1252 01:35:25.680 --> 01:35:29.880 of twenty five grand it's or more, yeah, minim Then then you have 1253 01:35:30.000 --> 01:35:32.520 the lot which is going to be two two fifty if it's if it's a 1254 01:35:32.520 --> 01:35:36.039 lot that's going to allow them to have that right, No am I am 1255 01:35:36.119 --> 01:35:41.680 I exaggerating. I don't think so. No, that's but we're looking at 1256 01:35:41.720 --> 01:35:45.119 properties that are more in the twelve thousand dollars range. What fees that are 1257 01:35:45.359 --> 01:35:49.520 are twenty five thousand. So you're oh, you're talking about like maybe half 1258 01:35:49.560 --> 01:35:55.800 acre, quarter acres? Yeah, you down in Pueblo, Colorado. Stea 1259 01:35:55.880 --> 01:35:57.600 no, no, no, now I know what you mean. Okay, 1260 01:35:57.640 --> 01:36:02.199 so you could keep that package to three point fifty Oh yeah, easily. 1261 01:36:03.000 --> 01:36:06.880 Huh that would be high. Now would you include the lot or will people 1262 01:36:06.920 --> 01:36:11.359 call you with their own lot and their own dirt work? Well, that's 1263 01:36:11.439 --> 01:36:14.439 that's what we're doing. We're sort of doing a spec to start. We're 1264 01:36:14.439 --> 01:36:17.000 going to do it all ourselves, figure out, you know, all of 1265 01:36:17.039 --> 01:36:21.880 the everything incorporated into it for pricing, and we're going to go from there. 1266 01:36:21.920 --> 01:36:26.199 But we're going to try to stay under two seventy five. What name 1267 01:36:26.359 --> 01:36:30.880 are you giving the company? So it's going to be called Cubic Hose. 1268 01:36:31.800 --> 01:36:39.720 Yeah, okay, all right, Hey, keep in touch with us. 1269 01:36:39.760 --> 01:36:43.439 I'd like to know how it goes, I love entrepreneurialism. I love it, 1270 01:36:44.560 --> 01:36:48.159 sure, I appreciate it all right. And so bottom line, as 1271 01:36:48.199 --> 01:36:53.439 Brian said, there will be general liability insurance and a certain amount up to 1272 01:36:53.520 --> 01:36:56.840 a point. They may or may not cover transport unless you include that, 1273 01:36:56.920 --> 01:37:00.560 but you may not have to if you call a transport company and they've already 1274 01:37:00.720 --> 01:37:02.840 done this before and have the insurance. We got more coming right up. 1275 01:37:02.960 --> 01:37:05.880 Michael wants to talk about a car accident. Brian wants to talk about the 1276 01:37:05.880 --> 01:37:15.439 other Brian's social security, and we'll have that right after this. Go with 1277 01:37:15.520 --> 01:37:18.640 a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a 1278 01:37:18.760 --> 01:37:27.000 cent until you're content. Time for an insurance check up free, no obligation. 1279 01:37:27.000 --> 01:37:30.479 In comparison, call Compass Insurance paying too much your coverage at dozens of 1280 01:37:30.520 --> 01:37:34.119 insurance companies find out now three all three seven to seven to one help. 1281 01:37:34.279 --> 01:37:39.079 You'll think you're his only customer when you choose Frank durand the real estate Man 1282 01:37:39.119 --> 01:37:43.560 dot com to list your home with Remax Alliance three all three nine two zero 1283 01:37:43.720 --> 01:37:56.319 sixteen twenty two. That's sir, Hi, Tom Martino, you're a Troubleshooter 1284 01:37:56.439 --> 01:38:00.079 three O three seven one three talk three oh three seven one three eight two 1285 01:38:00.199 --> 01:38:05.720 five five. Welcome to the show, and let's talk now to Mike to 1286 01:38:06.039 --> 01:38:10.600 Brian about social Security. Brian, you have a question, Go ahead, 1287 01:38:10.600 --> 01:38:15.279 Brian, I'll go on, Tom good Man. What's happening? Okay, 1288 01:38:16.239 --> 01:38:23.920 I'm attempting to record a death with my mother in law. So I called 1289 01:38:23.920 --> 01:38:30.319 Social Security because I'm still getting medical federal benefits. She passed away in December, 1290 01:38:30.920 --> 01:38:33.000 and I've been trying to call Social Security, but all I get is 1291 01:38:33.000 --> 01:38:38.319 a recorded line saying you gotta wait on hold. He stead stay on hold 1292 01:38:38.359 --> 01:38:41.600 for hour and a half. Then finally it gets to a point where you 1293 01:38:41.680 --> 01:38:45.479 say to leave your name and number and we'll call you back because of done 1294 01:38:45.479 --> 01:38:51.880 precine call volume. So you're trying to she's still getting Social Security? Correct? 1295 01:38:53.199 --> 01:38:58.039 Have you been keeping that money in an account? Yes? Good? 1296 01:38:58.039 --> 01:39:01.880 In a savings account account? Good. I just don't know. I mean, 1297 01:39:01.920 --> 01:39:04.840 do I take off a company because they're going to eventually when they find 1298 01:39:04.840 --> 01:39:09.159 out, they're going to claw it back anyway, So what should you do? 1299 01:39:09.920 --> 01:39:12.640 I would if I were you first of at your mother in law? 1300 01:39:12.760 --> 01:39:16.840 So who's the legal representative of your wife, my wife. Yeah, she 1301 01:39:16.920 --> 01:39:21.960 needs to make an appointment with Social Security, probably because it's hell on the 1302 01:39:23.000 --> 01:39:28.800 phone, it really is. It just sucks. Okay, I mean has 1303 01:39:28.880 --> 01:39:33.159 she tried to do that and not? Well, she recently had to make 1304 01:39:33.199 --> 01:39:36.840 an appointment for DMV because that's the only way you can get in there get 1305 01:39:36.880 --> 01:39:40.680 a new license. So she'll have to. Yeah, I'll have to set 1306 01:39:40.680 --> 01:39:44.960 her up for that and see when exactly they can come see her. Now, 1307 01:39:45.119 --> 01:39:48.199 another thing on the same item, the healthcare facility that she was at, 1308 01:39:48.600 --> 01:39:51.720 the assistant care where she passed away at. We've been trying to get 1309 01:39:51.760 --> 01:39:58.359 an itemized statement of what the last month charges were because it's different than what 1310 01:39:58.479 --> 01:40:01.279 she was typically paying. What do you mean, how much off is it? 1311 01:40:02.399 --> 01:40:08.279 Well, it's about seven hundred dollars. She paid seven hundred more than 1312 01:40:08.319 --> 01:40:12.399 she was normally paying. That's what they're asking for. They're asking for twenty 1313 01:40:12.439 --> 01:40:16.119 three hundred, but she normally pays about fourteen to fifteen hundred for what is 1314 01:40:16.199 --> 01:40:20.800 this for a month or what one month? Correct? Well, it's because 1315 01:40:20.880 --> 01:40:27.560 of unless she died perfectly, she has notice required and they'll charge you per 1316 01:40:27.640 --> 01:40:32.199 diem. Okay, Although I'm trying to get a hold of them. I've 1317 01:40:32.279 --> 01:40:39.479 left multiple messages at the accounting department and we even got a live person once 1318 01:40:39.960 --> 01:40:43.239 and they said, oh yeah, well, well, an information very unlikely 1319 01:40:43.399 --> 01:40:48.520 that she died perfectly on thirty days notice. Sometimes it's sixty days notice. 1320 01:40:49.079 --> 01:40:53.159 Hold on, though, I have information on reporting at death as well. 1321 01:40:53.479 --> 01:40:57.359 We'll come back to you. And also Michael wants to know about an auto 1322 01:40:57.439 --> 01:41:01.399 accident. Hang on, I'm Tom Martine more coming up on the Troubleshooter Show. 1323 01:41:02.840 --> 01:41:06.840 Go with a sure thing Denver's Best roofer Excel Roofing dot com. You 1324 01:41:06.920 --> 01:41:14.600 don't pay a cent until you're content. Leave time for an insurance check up 1325 01:41:14.680 --> 01:41:19.079 free, no obligation comparison call Compass Insurance paying too much your coverage at dozens 1326 01:41:19.119 --> 01:41:23.760 of insurance companies find out now three oh three seven seven to one help. 1327 01:41:23.960 --> 01:41:27.720 You'll think you're his only customer when you choose Frank durand the real estate Man 1328 01:41:27.800 --> 01:41:31.239 dot com to list your home with Remax Alliance three oh three nine two zero 1329 01:41:31.399 --> 01:41:47.439 sixteen twenty two. Yeah news needs You don't have come run anxiousness as you 1330 01:41:47.640 --> 01:41:56.479 can. Shooter's gonna help coming man. This is the Troubleshooter Show. No 1331 01:41:57.079 --> 01:42:00.640 Tom Martinez, Hi Tom Martin, you know here, Welcome to the show. 1332 01:42:00.800 --> 01:42:04.800 Three oh three seven one three talk seven one three eight two five five. 1333 01:42:05.319 --> 01:42:08.880 We're here to help you solve your problems. Don't forget three oh three 1334 01:42:08.920 --> 01:42:12.680 Martino. You can call twenty four seven three oh three six two seven eight 1335 01:42:12.720 --> 01:42:16.520 four six six. I love Grossman Wellness. I attribute them to much of 1336 01:42:16.600 --> 01:42:19.359 my health. I've been going to doctor Grossman for many years, and I 1337 01:42:19.479 --> 01:42:24.840 pay a fat monthly fee for all my prescriptions by supplements, my blood work 1338 01:42:24.880 --> 01:42:28.079 every three months, and you know, not much can develop in three months. 1339 01:42:28.119 --> 01:42:30.880 And I'm not saying I'm bulletproof, but I will say this, thank 1340 01:42:30.960 --> 01:42:33.560 God for great medicine. And and here's the thing. It's proactive, and 1341 01:42:33.720 --> 01:42:38.079 it's an above and beyond insurance and all that. I know that, But 1342 01:42:38.239 --> 01:42:41.399 people, what is more important than your health, right, especially as you 1343 01:42:41.439 --> 01:42:45.000 get older. Huh Grossmanwellness dot Com for two forty nine you can get started, 1344 01:42:45.199 --> 01:42:48.520 just no obligation. Just get your blood work for two forty nine, 1345 01:42:48.560 --> 01:42:55.359 your exam and your your your consultation two forty nine Grossmanwellness dot Com. Hey, 1346 01:42:55.920 --> 01:43:00.960 So, Michael, Jimmy Brian's talking about socials security and I did some 1347 01:43:00.119 --> 01:43:04.239 research here. I did find a few things. There's a special line for 1348 01:43:04.359 --> 01:43:09.079 reporting death, by the way, and it's different from the regular social security 1349 01:43:09.159 --> 01:43:13.279 line. Did you know that, Brian? I did not. Well, 1350 01:43:13.439 --> 01:43:15.560 that's what they say. Now, it might turn out that it's just the 1351 01:43:15.640 --> 01:43:21.159 regular number, but this one says funeral homes usually report to this number. 1352 01:43:21.880 --> 01:43:25.840 If you haven't done it, you can call now. I'm like, I 1353 01:43:25.960 --> 01:43:29.199 said, that's what this is saying. But then the more I look at 1354 01:43:29.239 --> 01:43:31.079 it, it might be the regular number. What number have you been calling? 1355 01:43:32.960 --> 01:43:35.239 You know? Tom, I have that information at home, but I 1356 01:43:36.880 --> 01:43:40.119 it's a one eight hundred number. I know that. Yeah, that's what 1357 01:43:40.239 --> 01:43:42.920 this is. But are you in a place where you can write this down 1358 01:43:43.039 --> 01:43:46.640 just to be sure? Absolutely, yeah, And I'm not sure it's different. 1359 01:43:46.720 --> 01:43:51.439 But it's eight hundred and seven seven to two twelve thirteen. To me, 1360 01:43:51.600 --> 01:43:57.039 that sounds pretty general as a number. But the other one is you 1361 01:43:57.319 --> 01:44:04.560 must retain benefits or be penalized. And it says it is all right. 1362 01:44:04.840 --> 01:44:12.880 You can go to the local Social Security office and those to visit you. 1363 01:44:13.279 --> 01:44:16.720 The problem is, if you visit, you have to make an appointment, 1364 01:44:17.560 --> 01:44:20.840 and it looks like that number might be might be general. But I'm on 1365 01:44:20.920 --> 01:44:28.840 their website social Security and it says you have to file a report with the 1366 01:44:29.079 --> 01:44:30.960 Social Security number, date of birth, date of death, and have a 1367 01:44:31.039 --> 01:44:36.479 death certificate. Okay, and you know, I want to say, I 1368 01:44:36.560 --> 01:44:40.960 think I did something similar to that, But then it said I must call 1369 01:44:41.159 --> 01:44:45.760 on this number to talk to somebody, and was it the twelve Well okay, 1370 01:44:45.119 --> 01:44:47.479 well, well I think it might have been. I don't know. 1371 01:44:47.720 --> 01:44:53.039 You can do either one or you can make an appointment, and I think 1372 01:44:53.119 --> 01:44:58.800 they say their, Yeah, you go to your local office whatever that means. 1373 01:44:59.159 --> 01:45:00.520 You could probably look at that up, but let me know if you 1374 01:45:00.600 --> 01:45:03.880 need any help after you get home and look at that number and then try 1375 01:45:03.920 --> 01:45:10.880 to make an appointment. You did file something online though I tried and it 1376 01:45:10.960 --> 01:45:15.239 said no I couldn't. Oh yeah, they said you got to call this 1377 01:45:15.399 --> 01:45:16.880 number, and when I did, that's when I got to forever old. 1378 01:45:17.239 --> 01:45:19.760 And then they finally said leave your name and number and we'll call you as 1379 01:45:19.760 --> 01:45:23.439 soon as we can. God, you would think it would be easier. 1380 01:45:24.600 --> 01:45:27.159 Yeah. I just want to report the death, that's all I want to 1381 01:45:27.199 --> 01:45:30.000 do, and let them keep their money. No, I know that. 1382 01:45:30.359 --> 01:45:34.840 Yeah, Okay, let me know what happens on that, because when I 1383 01:45:34.920 --> 01:45:41.960 see this contact number, so it does seem it does seem that there might 1384 01:45:42.159 --> 01:45:47.880 be a different number. So I'm not sure I would try that number I 1385 01:45:47.960 --> 01:45:50.960 gave you that it did. That does seem to be a different number the 1386 01:45:51.119 --> 01:45:54.359 more I look at it. But anyway, let me know what happens. 1387 01:45:54.399 --> 01:45:57.439 Thank you, Brian three oh three seven one three talk seven one three eight 1388 01:45:57.520 --> 01:46:01.840 two five five. All right, Michael's got a question on an auto accident 1389 01:46:01.920 --> 01:46:04.960 by the way, Compass insurance we had Brian had to leave. We do 1390 01:46:05.079 --> 01:46:10.600 have some examples I'm going to be getting to on some insurance check up savings 1391 01:46:10.640 --> 01:46:15.199 we've made on that. Go ahead, Michael, Hey, Tom, I 1392 01:46:15.239 --> 01:46:19.720 was going today. Good, what's happening? Uh? So, I was 1393 01:46:19.840 --> 01:46:26.840 in an automobile accident back in January. Okay, the other driver, the 1394 01:46:26.920 --> 01:46:31.279 other driver kind of admitted fault. Basically, were you injured to work with? 1395 01:46:32.840 --> 01:46:36.319 No, there were no injuries. Good. It was a pretty low 1396 01:46:36.439 --> 01:46:43.039 velocity incident. But I was t boned. I was stopped at a stop 1397 01:46:43.159 --> 01:46:46.079 light and they were trying to take a right hand turn and they lost traction. 1398 01:46:47.840 --> 01:46:53.279 And okay, So we exchanged information and I got in touch with their 1399 01:46:53.359 --> 01:46:59.640 insurance company. Oh wait, no police report? No, and no and 1400 01:46:59.760 --> 01:47:06.399 no. Was it during accident alert? During accident alert? Well you said 1401 01:47:06.439 --> 01:47:10.920 it was in January and and and they lost traction. I was wondering if 1402 01:47:10.960 --> 01:47:14.359 it was storing a storm or something. Accident alert is where you don't call 1403 01:47:14.399 --> 01:47:16.880 the cops because you're supposed to call a cop and report this. Why didn't 1404 01:47:16.920 --> 01:47:24.279 you guys get a police report? So back in January there was a terrible 1405 01:47:24.319 --> 01:47:27.640 snowstorm there, That's what I meant. So it was accident alert. Yeah, 1406 01:47:28.279 --> 01:47:30.239 but then you're supposed to at least follow up with the counter report. 1407 01:47:30.279 --> 01:47:34.920 But you didn't do that. No, No, this happened up in Dylan 1408 01:47:35.000 --> 01:47:41.479 County and uh okay, yeah I didn't. I didn't didn't follow up, 1409 01:47:42.960 --> 01:47:46.960 sorry, Summit County. Okay. Anyhow, so I got in touch with 1410 01:47:47.000 --> 01:47:53.159 their insurance company and tried to make some headway there, and they told me, 1411 01:47:54.439 --> 01:47:57.880 uh, this is gonna hit a limit. I assume they didn't like 1412 01:47:57.960 --> 01:48:00.239 the policy limit or coverage limit. Well, what's going to hit a limit? 1413 01:48:00.279 --> 01:48:04.880 What were you putting the claim in for? Oh? So for the 1414 01:48:05.000 --> 01:48:13.319 damages because I want someone my vehicle to be repaired. What kind of vehicle 1415 01:48:13.399 --> 01:48:19.680 do you have to seventeen? Toyota's coma okay, And what do they mean 1416 01:48:19.760 --> 01:48:27.840 it's going to exceed damages? I don't understand that. So an initial estimate 1417 01:48:28.000 --> 01:48:33.279 was done, came in maybe two three thousand dollars, and I thought that 1418 01:48:33.439 --> 01:48:38.960 was low. So I brought it to a different shop and got an estimate 1419 01:48:39.960 --> 01:48:44.359 by you know, certified Toyota repair shop, and their estimate came in at 1420 01:48:45.279 --> 01:48:48.760 I think like seventeen thousand, so quite different. Yeah, But but are 1421 01:48:48.840 --> 01:48:56.560 these what's your what's your vehicle worth? I think the blue book is maybe 1422 01:48:57.119 --> 01:49:00.600 in the low twenties, like twenty two to twenty three thousand. Well, 1423 01:49:00.600 --> 01:49:02.279 they're not going to pay seventeen to fix it. They're going to total it 1424 01:49:03.640 --> 01:49:08.279 exactly, okay, And they have a right to do that. But you 1425 01:49:08.359 --> 01:49:12.239 have a right Listen, you don't have a contract with that other insurance company. 1426 01:49:12.319 --> 01:49:17.319 Who is the other insurance company Progressive and I don't know. And that's 1427 01:49:17.359 --> 01:49:20.039 a good company that in other words, they wouldn't lie to you. But 1428 01:49:20.239 --> 01:49:26.520 I doubt that they don't have a limit that goes up to totally that car. 1429 01:49:26.840 --> 01:49:30.600 I don't mean the state limits would be above the value of that car. 1430 01:49:30.720 --> 01:49:32.680 I mean, well, first of all, that what do they mean, 1431 01:49:32.880 --> 01:49:36.239 I don't even know what they mean. They can't that it's the limit. 1432 01:49:39.079 --> 01:49:43.199 Yeah, so I mean the driver is from out of state, they 1433 01:49:43.319 --> 01:49:48.560 hit me while they were on vacation in a rental car. You you ever 1434 01:49:48.680 --> 01:49:51.479 right to have your vehicle replaced? Okay. You can either do it through 1435 01:49:51.520 --> 01:49:55.640 insurance, or you can do it by suing the other victim. They're actually 1436 01:49:55.720 --> 01:49:59.920 me the other party. The other party might not have any money worth going 1437 01:50:00.119 --> 01:50:05.520 after, but how much are they offering you? Bottom line? So I 1438 01:50:05.600 --> 01:50:10.439 stopped working with Progressive and started working with my own insurance company. Uh, 1439 01:50:11.159 --> 01:50:15.960 okay, do you have collision coverage? I do, Well, that's exactly 1440 01:50:15.039 --> 01:50:20.920 what you should do. Yes, So that's what I did, but it 1441 01:50:21.119 --> 01:50:27.079 kind of resulted in, you know, similar outcome. Basically, their adjuster 1442 01:50:27.199 --> 01:50:30.560 came out said there was a few thousand dollars worth of damage. The garage 1443 01:50:30.600 --> 01:50:33.880 showed them their estimate, you know, put the truck up on a list 1444 01:50:33.920 --> 01:50:38.279 so they could get a closer look. And so now I understand, is 1445 01:50:38.319 --> 01:50:45.039 they want total the vehicle your insurance company, Yes, okay, but they 1446 01:50:45.079 --> 01:50:50.039 haven't. They haven't told me what the terms like, the different the value 1447 01:50:50.079 --> 01:50:56.640 for the payout is, you know, because I'm thinking maybe I'll hold on 1448 01:50:56.720 --> 01:50:59.199 to it with a salvage title. Yeah, and you could do that, 1449 01:50:59.359 --> 01:51:03.239 uh huh. So what you have to do is just do some homework. 1450 01:51:03.520 --> 01:51:10.079 We have a place called Petty Details and you can find them on the referral 1451 01:51:10.119 --> 01:51:16.600 list. Okay, and Petty Details, that's what they do. They specifically 1452 01:51:16.720 --> 01:51:21.920 do this, that's what they do. It's called Petty Details. Let me 1453 01:51:23.039 --> 01:51:27.520 find it here. If you just put in petty it'll come up. I 1454 01:51:27.720 --> 01:51:30.600 just did. Let me just go to it now, okay, sir, 1455 01:51:30.840 --> 01:51:36.000 here it is. Okay, So Petty Details what it does is it has 1456 01:51:36.079 --> 01:51:45.880 a free service to give you what that car should be worth or or if 1457 01:51:45.920 --> 01:51:47.640 they have to do more than that, it's going to cost you money like 1458 01:51:47.760 --> 01:51:54.399 go to court and all that. But I think that their courtesy service might 1459 01:51:54.680 --> 01:52:01.359 work for you. And it's Petty Details, and they're out of well, 1460 01:52:01.680 --> 01:52:08.239 they're all over the country. They're good people. Petty Petty Details appraisal services 1461 01:52:09.000 --> 01:52:12.800 that'll give you a fair price. But what do you want? Did you 1462 01:52:12.960 --> 01:52:15.960 do you have a figure into your head. I mean, what I want 1463 01:52:16.279 --> 01:52:20.479 in an ideal world is my vehicle back pre collision condition. But yeah, 1464 01:52:20.600 --> 01:52:25.039 but they're not going to fix it. They're not obligated to. They're obligated 1465 01:52:25.119 --> 01:52:30.319 to give you what that car's worth. Yeah, and you said it was 1466 01:52:30.399 --> 01:52:34.680 what year did you? Twenty seventeen? Right? Yeah, it's in twenty 1467 01:52:34.840 --> 01:52:40.840 seventeen. It's got about one hundred and eighteen thousand miles a Toyota Tacoma right 1468 01:52:42.279 --> 01:52:45.159 yeah, yeah, off road package. It's I mean, I've kept it 1469 01:52:45.239 --> 01:52:48.279 clean, I've brought it to the dealership for all the maintenance, never been 1470 01:52:48.319 --> 01:52:51.800 in a you know, major accident before. Well, there's a big value 1471 01:52:51.880 --> 01:52:58.680 depending there's a big discrepancy on value depending on the mileage. Sure, so 1472 01:52:58.800 --> 01:53:04.479 what was the mileage all over? One hundred thousand, one hundred and eighteen, 1473 01:53:04.560 --> 01:53:08.439 one hundred and nineteen. I think that's going to be on the lower 1474 01:53:08.560 --> 01:53:13.680 end, but I don't know, it's gonna be about twenty grand twenty two 1475 01:53:16.359 --> 01:53:24.079 Yeah, So, I mean I don't know. So if did you put 1476 01:53:24.119 --> 01:53:27.640 any improvements on it in the last like ninety days, like tires or anything. 1477 01:53:29.760 --> 01:53:31.720 Uh, yeah, I got winter tires on it that that was put 1478 01:53:31.800 --> 01:53:36.680 on last season. Listen, here's the bottom line. Even if you goose 1479 01:53:36.760 --> 01:53:41.560 it, it's twenty two to twenty three grand. So what's normally gonna happen 1480 01:53:41.720 --> 01:53:47.039 is if if if the settlement's twenty three and you want to keep the car, 1481 01:53:47.119 --> 01:53:51.199 they're gonna they're gonna take out a salvage value. So that could be 1482 01:53:53.159 --> 01:53:58.520 you know. So here's what's very important. It's important that you take the 1483 01:53:58.680 --> 01:54:02.960 salvage value figure and see if it can be repaired, and if not, 1484 01:54:04.279 --> 01:54:14.800 then it's not worth taking. It's that simple, Okay. So the reason 1485 01:54:14.840 --> 01:54:20.399 the the reason they repair cost is so high is because it's the rocker panel 1486 01:54:21.000 --> 01:54:28.159 was affected. Basically, there's a running board and the vehicle hit the running 1487 01:54:28.199 --> 01:54:30.520 board which is bolted into the rocker panel and which is the frame part, 1488 01:54:30.600 --> 01:54:33.720 which is a frame. It's way more than a rock Okay, yeah, 1489 01:54:34.720 --> 01:54:39.600 well it's no a rock slider I think is bolted into the frame. But 1490 01:54:40.079 --> 01:54:45.960 the unibody construction, that's my understanding, is correct. The running boards bolted 1491 01:54:45.000 --> 01:54:49.119 into the rocker panel, and so you can't the garade that they can't just 1492 01:54:50.840 --> 01:54:54.560 prepare that. They have to put in a new rocker panel, which is 1493 01:54:54.640 --> 01:54:57.319 taken up which means they have to take off you know, the door, 1494 01:54:57.600 --> 01:55:03.119 the hinge pillar of the which is framework, which is framework. Okay, 1495 01:55:03.319 --> 01:55:08.439 yeah, so that's I mean, so there's a safety implication here, right, 1496 01:55:08.800 --> 01:55:12.720 that's right, that's right. So you have to make sure it can 1497 01:55:12.800 --> 01:55:17.560 be repaired or you take the money. Okay, I mean, what good 1498 01:55:17.680 --> 01:55:21.239 is it if they don't take you. If they don't the money they offer 1499 01:55:21.399 --> 01:55:29.399 has to be enough to fix it. Well, the but the money they 1500 01:55:29.479 --> 01:55:32.119 offer is just going to be for what the market value of the vehicle, 1501 01:55:32.199 --> 01:55:35.560 right, because it's not calling it a total loss. Yeah, they're going 1502 01:55:35.600 --> 01:55:40.159 to that's right. But when you want to keep it, they'll take away 1503 01:55:40.199 --> 01:55:45.039 a few thousand whatever the net is. If you want to keep it, 1504 01:55:45.119 --> 01:55:48.479 there's one price. If they take it, it's another price. Okay, 1505 01:55:49.199 --> 01:55:54.039 yeah, that makes sense. So you have to take So you want to 1506 01:55:54.159 --> 01:55:56.920 keep the car and see if it can be fixed, then you need to 1507 01:55:57.000 --> 01:56:00.840 get the figure they're willing to pay with you keeping the car. So let's 1508 01:56:00.840 --> 01:56:06.439 say they're willing to pay fifteen and you can keep the car, or eighteen 1509 01:56:06.720 --> 01:56:11.000 and you kill whatever it is. You gotta make sure you can do that. 1510 01:56:12.039 --> 01:56:19.239 Three O three seven one three eight two five five. Go with a 1511 01:56:19.319 --> 01:56:24.640 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 1512 01:56:24.880 --> 01:56:30.720 until you're content. Time for an insurance checkup free, no obligation. In 1513 01:56:30.800 --> 01:56:36.039 comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies 1514 01:56:36.159 --> 01:56:40.680 find out now three oh three seven seven one help. You'll think you're his 1515 01:56:40.880 --> 01:56:44.800 only customer when you choose Frank durand the real estate Man dot com to list 1516 01:56:44.880 --> 01:56:48.319 your home with Remax Alliance three oh three nine two zero sixteen twenty two. 1517 01:56:53.359 --> 01:56:57.760 Hi, Tom Martino, your troubleshooter three O three seven one three talks seven 1518 01:56:57.800 --> 01:57:00.319 one three eight two five five. I want to go to Brian Burn Now, 1519 01:57:00.840 --> 01:57:02.600 I got them on the line. Let me bring them up and it's 1520 01:57:02.680 --> 01:57:09.039 about the some of the things we've done. Hold on, Brian, are 1521 01:57:09.079 --> 01:57:11.119 you there yet? Hold on? Hold on? Let me okay? Brian? 1522 01:57:12.680 --> 01:57:15.319 Hey, Tom O right, thanks So. The insurance check up as 1523 01:57:15.399 --> 01:57:18.079 you always do, but we highlight it on the days you were on the 1524 01:57:18.159 --> 01:57:25.880 show today three oh three nine nine to six nine thousand, and people call 1525 01:57:26.119 --> 01:57:28.960 and they get their decks page and see what you can do. In some 1526 01:57:29.199 --> 01:57:30.760 cases you can save money in some case. You're honest, you say, 1527 01:57:30.840 --> 01:57:35.119 no, what kind of examples do we have? Well, I have a 1528 01:57:35.239 --> 01:57:39.560 few here. I'll share a couple of them. But the ones that I'm 1529 01:57:39.640 --> 01:57:43.159 sharing I have to do with roof coverage because you and about it earlier. 1530 01:57:43.319 --> 01:57:46.960 But we had a customer call in there with Liberty Mutual right now, and 1531 01:57:47.600 --> 01:57:53.520 between auto and home. They were at about eight thousand dollars thirty two oh 1532 01:57:53.640 --> 01:57:58.359 six on the auto, fifty ninety on the home. We got them a 1533 01:57:58.399 --> 01:58:03.439 quote with a company called a Q and with a total savings of almost sixteen 1534 01:58:03.560 --> 01:58:08.239 hundred dollars. But we moved their coverage A on their home. They're the 1535 01:58:08.359 --> 01:58:11.560 actual dwelling them out from three hundred and sixty five that's what they had with 1536 01:58:11.640 --> 01:58:15.600 Liberty Mutual, we moved them up to five hundred and seventy two, got 1537 01:58:15.720 --> 01:58:18.119 and got them replacement cost on the roof. They had actual cash batus. 1538 01:58:18.159 --> 01:58:21.319 Oh my god, that is one of the all that and save them. 1539 01:58:21.479 --> 01:58:25.319 Yeah, that was one of the best deals I've ever heard. They saved 1540 01:58:25.359 --> 01:58:29.319 sixteen hundred plus. You got them out of a big jam when it comes 1541 01:58:29.399 --> 01:58:32.000 to ACV and if they ever had a total loss they were under insured. 1542 01:58:33.560 --> 01:58:38.119 Yep, exactly, so much better deal. We had another one here. 1543 01:58:38.840 --> 01:58:43.199 Uh, they are with all State right now, and we're being non renewed 1544 01:58:43.239 --> 01:58:46.319 because they were not non renewed. They were being renewed with no roof coverage. 1545 01:58:46.359 --> 01:58:51.199 They weren't gonna oh oh my god. Oh we we found them a 1546 01:58:51.359 --> 01:58:58.039 deal with Acuity as well, and we got them replacement cost on the roof 1547 01:58:58.479 --> 01:59:01.960 and saved them a thousand. Still, Holy crap, Brian, you're kitting 1548 01:59:02.000 --> 01:59:05.720 out of the park. What else you got? Although that's enough one? 1549 01:59:06.680 --> 01:59:13.279 Yep, there's one here. They were a customer with with State farm We 1550 01:59:13.680 --> 01:59:17.239 they only had ten percent extended no twenty percent extended replacement costs. We got 1551 01:59:17.319 --> 01:59:21.880 them uncapped replacement costs and saved them on the auto and home sixteen hundred dollars. 1552 01:59:23.279 --> 01:59:28.079 Oh man, this has been a great one today. Yeah, there's 1553 01:59:28.119 --> 01:59:30.960 been the and then there's a lot of examples of I see one here moving 1554 01:59:31.000 --> 01:59:34.279 from Farmers. We're putting them a Travelers. Saved them eight hundred dollars a 1555 01:59:34.399 --> 01:59:39.239 year. This one seven hundred dollars a year, moving them from liverty mutual 1556 01:59:39.279 --> 01:59:42.640 to acuity. I mean, so they're smaller examples as well. Okay, 1557 01:59:42.760 --> 01:59:45.920 so Brian, I want to remind people they can call you guys ask for 1558 01:59:45.000 --> 01:59:48.960 the insurance checkup. Is that on your phone tree yet? I'm just curious 1559 01:59:49.000 --> 01:59:53.239 about it. Yeah it is, Yep, it is good. You can 1560 01:59:53.279 --> 01:59:56.319 puis. I think it's number one. Okay, so whatever it is, 1561 01:59:56.560 --> 02:00:00.720 it's three oh three nine nine six nine thousand is where you start. And 1562 02:00:00.079 --> 02:00:04.840 man, I've been doing this for years. What a great idea and in 1563 02:00:05.000 --> 02:00:11.079 fact, you can't go wrong. Okay, thank you, Brian, I 1564 02:00:11.159 --> 02:00:15.720 appreciate it. That's three h three nine ninety six nine thousand. I love 1565 02:00:15.800 --> 02:00:19.640 it when things like this go on, right, I love it now. 1566 02:00:21.359 --> 02:00:25.199 Okay that was him hanging up. You heard that sound Sorry about that now. 1567 02:00:25.960 --> 02:00:30.680 I said that the FTC has stepped in when it comes to contracts and 1568 02:00:30.840 --> 02:00:38.680 they have said that they are going to basically outlaw in a way through their 1569 02:00:38.800 --> 02:00:43.960 regulation. It's not a law all of the non competes. They think non 1570 02:00:44.039 --> 02:00:55.119 competes are unfair. So basically what they said was that if you have if 1571 02:00:55.199 --> 02:00:59.319 you have a they have a rule, and if you have a contract with 1572 02:00:59.479 --> 02:01:03.920 a non pete, they're in essence banning it. They're saying that it's against 1573 02:01:05.760 --> 02:01:15.199 public interest. Now, a lot of business advocates. I consider myself a 1574 02:01:15.279 --> 02:01:20.840 business advocate, but I never really loved noncompete, having been in them my 1575 02:01:21.039 --> 02:01:26.119 most of my life in broadcasting. You know, you'd negotiate a great deal 1576 02:01:26.199 --> 02:01:28.199 and then they come to you and say, by the way, you can't 1577 02:01:28.199 --> 02:01:30.680 work for anyone else for two years after you leave here, and sometimes it's 1578 02:01:30.720 --> 02:01:34.279 a year. Sometimes it's you know, that can cripple you and it takes 1579 02:01:34.319 --> 02:01:41.239 away all your negotiating power. Right, But anyway, some business advocates are 1580 02:01:41.279 --> 02:01:47.840 saying that it's unconstitutional. I don't think so. I mean, I don't 1581 02:01:47.880 --> 02:01:51.960 know enough about the constitution to really get that deep in the woods with it. 1582 02:01:53.079 --> 02:02:03.319 But the ban is forecasted to affect thirty million million contracts. So what 1583 02:02:03.479 --> 02:02:09.279 it does is it takes away a company's ability to keep you from working. 1584 02:02:09.920 --> 02:02:14.960 Don't you think really? I mean, in my opinion, they should. 1585 02:02:15.199 --> 02:02:18.279 I mean you should be able to work now. Granted, if someone moved 1586 02:02:18.319 --> 02:02:24.119 you to a place and trained you, I would have no problem with a 1587 02:02:24.239 --> 02:02:28.079 financial responsibility if you don't work a certain number of years to have to pay 1588 02:02:28.159 --> 02:02:32.479 it back, but to forbid you to work anywhere else to me that that 1589 02:02:32.720 --> 02:02:36.880 is unconstitutional. And they're saying, well, what about trade secrets and all 1590 02:02:36.960 --> 02:02:41.560 of that, Well, that would have that's the separate civil action. I 1591 02:02:41.680 --> 02:02:45.119 guess that if you took trade secrets and took it to another company who competes 1592 02:02:45.159 --> 02:02:49.119 with them, it could be a problem. But this is one of the 1593 02:02:49.239 --> 02:02:53.840 things we have to tackle. And really, if you think about it, 1594 02:02:54.640 --> 02:02:57.680 we're getting more and more liberal when it comes to relaxing things like this. 1595 02:02:57.840 --> 02:03:01.640 I mean it used to be truly and this is not meaning I love it, 1596 02:03:01.920 --> 02:03:04.520 and I think, you know, the progressive way is the only way. 1597 02:03:04.840 --> 02:03:08.239 Nor am I saying the conservative way is the only way. What I'm 1598 02:03:08.279 --> 02:03:12.720 saying is this, when it comes to business, I'm all for business thriving, 1599 02:03:13.199 --> 02:03:16.279 but I also believe that workers have to be able to sustain themselves. 1600 02:03:16.520 --> 02:03:19.840 And if you're really good and great at what you do, you should be 1601 02:03:19.880 --> 02:03:26.640 able to peddle your wares somewhere, and you should be able to put you 1602 02:03:26.680 --> 02:03:29.920 know, put put it out forbid. Who's going to pay me the most 1603 02:03:30.039 --> 02:03:31.800 or the best for what I do? Because if what you do is not 1604 02:03:31.920 --> 02:03:36.319 that great, guess what, you don't have that ability anyway. Three oh 1605 02:03:36.399 --> 02:03:40.239 three seven to one three talks seven one, three, eight, two five 1606 02:03:40.319 --> 02:03:43.199 five. I don't know what you guys feel about it, but I think 1607 02:03:43.840 --> 02:03:45.239 doing away with this is not a bad idea. Joe, what is your 1608 02:03:45.319 --> 02:03:47.279 question? I'm going to take a quick break, but I want to get 1609 02:03:47.279 --> 02:03:51.720 your question and get started on it. What's going on? I just wanted 1610 02:03:51.720 --> 02:03:56.319 to find out if my rook being you know, twenty four plus years old, 1611 02:03:56.399 --> 02:03:59.920 do I have to notify my insurance company that I intend to put in 1612 02:04:00.039 --> 02:04:02.720 the roof on absent of aclaim. It's not a claim thing, I believe. 1613 02:04:03.359 --> 02:04:06.000 Okay, do you mind holding because this is a great call and I 1614 02:04:06.079 --> 02:04:10.000 have some advice, so we'll be right back. I'm Tom martine More coming 1615 02:04:10.079 --> 02:04:19.840 up. Go with a sure thing Denver's Best roofer Excel Roofing dot com. 1616 02:04:20.039 --> 02:04:28.119 You don't pay a cent until you're content. Time for an insurance checkup free, 1617 02:04:28.239 --> 02:04:31.760 no obligation. In comparison, call Compass Insurance paying too much your coverage 1618 02:04:31.800 --> 02:04:35.359 at dozens of insurance companies find out now three all three, seven to seven 1619 02:04:35.399 --> 02:04:40.159 to one help. You'll think you're his only customer when you choose Frank durand 1620 02:04:40.159 --> 02:04:44.600 the Real Estate Man dot com to list your home with Remax Alliance three all 1621 02:04:44.640 --> 02:04:55.840 three nine two zero sixteen twenty two. Welcome What's long to the show. 1622 02:04:55.960 --> 02:05:00.279 By the way, Frank durantirealestate man dot com does a free market value if 1623 02:05:00.279 --> 02:05:03.479 you're home for the asking. That's Frank Duran, the Realestateman dot com. 1624 02:05:04.159 --> 02:05:06.399 So if you want to you want to know what your house is going to 1625 02:05:06.439 --> 02:05:09.479 sell for, this is the way to do it. Get Frank on your 1626 02:05:09.560 --> 02:05:15.439 side. And there's no obligation to list ever. And that's three oh three 1627 02:05:16.920 --> 02:05:20.239 nine two zero sixteen twenty two. All right? Can you not hear me? 1628 02:05:20.319 --> 02:05:24.880 For some reason? Really? Right now? I'm quiet all of a 1629 02:05:24.920 --> 02:05:29.680 sudden, huh, I'll boost this? Is it better now? I don't 1630 02:05:29.720 --> 02:05:32.159 know what happened? I mean something happened to the broadband because I didn't touch 1631 02:05:32.199 --> 02:05:34.399 anything. And I know Mark makes fun of me when I say that. 1632 02:05:34.680 --> 02:05:39.560 How is it now still bad? My god? Well, something happened. 1633 02:05:39.920 --> 02:05:45.880 My meters are all the same here, So should I what should we do? 1634 02:05:45.039 --> 02:05:49.039 Is it all right? Okay? I turned it up. I'm gonna 1635 02:05:49.079 --> 02:05:53.039 keep turning it up, but I know I'm gonna be overmodulating tomorrow. But 1636 02:05:53.560 --> 02:05:57.760 okay, you all right? Frank durand the real estate man as I said, 1637 02:05:57.800 --> 02:06:00.239 three oh three nine two zero sixteen twenty two, free market valuation of 1638 02:06:00.319 --> 02:06:04.680 your home for the asking, no obligation to listen. Now Joe wants to 1639 02:06:04.720 --> 02:06:09.520 know about doing his roof. Now, Joe, are you buying this house? 1640 02:06:11.119 --> 02:06:14.399 No, I've been in for twenty years and you want to replace your 1641 02:06:14.479 --> 02:06:18.119 roof voluntarily because it's wearing out? Right? Yeah, in the full pictures. 1642 02:06:18.199 --> 02:06:23.479 I'm at ninety two hundred feet in wildfire country up there, and you 1643 02:06:23.520 --> 02:06:26.880 know, I'm hesitant to involve my insurance company in any way, shape or 1644 02:06:26.920 --> 02:06:29.720 form if you're being dropped. So am I able to just put on a 1645 02:06:29.800 --> 02:06:31.039 new roof? And well, of course you are, But hold on a 1646 02:06:31.119 --> 02:06:35.359 second. You can't involve your insurance company unless you had an event. You 1647 02:06:35.560 --> 02:06:40.279 haven't had an ensurable event, have you, No, not at all. 1648 02:06:40.359 --> 02:06:43.000 Let's wore out. It's twenty four, twenty six years old now, and 1649 02:06:43.079 --> 02:06:47.399 what kind is it? Yeah? Shingle? Okay, asphalt? Right? 1650 02:06:48.560 --> 02:06:53.039 Correct? All right? Yeah, you can replace that roof and a heartbeat. 1651 02:06:53.079 --> 02:06:55.560 You don't have to do anything, but you could get a discount by 1652 02:06:55.600 --> 02:07:00.279 telling him you have a new roof. Okay, Okay, that's I want 1653 02:07:00.319 --> 02:07:01.960 to know. It doesn't work in my favor, it can work in your 1654 02:07:02.000 --> 02:07:05.720 favor, especially if you get an upgraded shingle is something that might be a 1655 02:07:05.760 --> 02:07:12.760 little more resistant to anything like fire or wind or hail or whatever. Yeah, 1656 02:07:12.960 --> 02:07:15.039 I mean it depends. Well, that was another part of my question. 1657 02:07:15.239 --> 02:07:18.479 Up at that altitude, or hail tends to be very very small. 1658 02:07:18.560 --> 02:07:23.399 It's you're right, really, that won't help you up you know what, 1659 02:07:24.439 --> 02:07:27.640 you may not need to upgrade, and you may not get a discount. 1660 02:07:27.720 --> 02:07:32.640 I'd like to ask I don't know if Brian's still driving, but i'd actually 1661 02:07:32.800 --> 02:07:34.880 like to ask him that. So hold on, let me just see if 1662 02:07:34.920 --> 02:07:39.079 I can just redial him real quick. This is going to be he's already 1663 02:07:39.079 --> 02:07:41.800 given me permission to talk to him. I'm just going to talk to him 1664 02:07:41.840 --> 02:07:45.800 right now and and see if he answers, because this is a good question. 1665 02:07:47.520 --> 02:07:55.119 All right now. He may be off the road by now, three 1666 02:07:55.199 --> 02:07:59.279 oh threes. Let's see. Yeah, he's not answering. You reached the 1667 02:07:59.479 --> 02:08:03.439 phone. Yeah, okay, so he's not answering, but I can we'll 1668 02:08:03.479 --> 02:08:07.039 find out for sure. But I know for sure you don't have to contact 1669 02:08:07.079 --> 02:08:11.119 them for this, but you may want to That's the part. We have 1670 02:08:11.279 --> 02:08:15.920 to find out if you're going to get any credit for that. And Excel 1671 02:08:16.039 --> 02:08:20.279 Roofing might know it. They might know that if we can get I don't 1672 02:08:20.319 --> 02:08:24.199 know Kachina, if Jay's around, if you can find him. I didn't 1673 02:08:24.239 --> 02:08:26.960 ask him ahead of time, so I can't call him cold. But you 1674 02:08:28.079 --> 02:08:33.680 might want to call Jay and see if he's around at Excel or Henry, 1675 02:08:33.159 --> 02:08:35.800 and then we'll get you an answer. If you want to keep listening or 1676 02:08:35.880 --> 02:08:41.119 Joe, You're welcome to come back on tomorrow and we will talk about it. 1677 02:08:41.680 --> 02:08:46.920 I have some major news right now, all right, you want to 1678 02:08:46.960 --> 02:08:52.000 hear what it is. Well, I don't know if it's major news, 1679 02:08:52.119 --> 02:08:58.119 but there are a lot of things going on, and one of them is 1680 02:08:58.000 --> 02:09:07.520 lawsuits. The University of Colorado's vaccine mandate, by the way, violated the 1681 02:09:09.439 --> 02:09:16.319 constitution. Okay, and this isn't just decided, but there was another court 1682 02:09:16.359 --> 02:09:24.920 of appeals that upheld the decision just recently. So what happened was they were 1683 02:09:26.119 --> 02:09:33.720 illegally mandating vaccinations and they are now opened up for a number of lawsuits. 1684 02:09:35.000 --> 02:09:39.920 And no one's talking about this now. I think they're not talking about it 1685 02:09:39.000 --> 02:09:48.199 because the original mandate that was ruled and was back in They said that it 1686 02:09:48.359 --> 02:09:54.600 was back in September of twenty twenty one, but then recently the US Court 1687 02:09:54.640 --> 02:10:03.760 of Appeals for the Tenth Circuit said that it was illegal. It was unconstitutional. 1688 02:10:03.079 --> 02:10:07.760 Three oh three seven one three eight two five five. Go with a 1689 02:10:07.840 --> 02:10:13.159 sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent 1690 02:10:13.399 --> 02:10:20.239 until you're content. Time for an insurance checkup, free no obligation comparison call 1691 02:10:20.359 --> 02:10:26.279 Compass Insurance Paying too much your coverage at dozens of insurance companies find out now 1692 02:10:26.399 --> 02:10:28.199 three oh three seven to seven to one. Help. You'll think you're his 1693 02:10:28.399 --> 02:10:33.319 only customer when you choose Frank Durand the real estate Man dot com to list 1694 02:10:33.399 --> 02:10:37.840 your home with Remax Alliance. Three oh three nine two zero sixteen twenty two. 1695 02:10:43.880 --> 02:10:50.600 Hi Tom Martino, your troubleshooter. Somebody sent me a money request from 1696 02:10:50.720 --> 02:10:52.960 PayPal? Have you ever had that? I never heard of the guy in 1697 02:10:54.039 --> 02:10:56.520 my life. He wants me to send him seven hundred and eighty five bucks. 1698 02:10:58.760 --> 02:11:01.399 Now, seriously, I have no idea what this is about. Don't 1699 02:11:01.439 --> 02:11:05.319 recognize the request. Make sure you recognize us for what the hell is that 1700 02:11:05.439 --> 02:11:09.359 all about? Folks? And I just got it. He said to pay 1701 02:11:09.479 --> 02:11:13.239 up anyway, Joe, I got Brian Burns on. I want to bring 1702 02:11:13.319 --> 02:11:16.640 Brian up hold on Brian, Compass Insurance Group. Still there, Brian. 1703 02:11:16.680 --> 02:11:20.560 Okay, Brian, will you will you get a discount if you put on 1704 02:11:20.640 --> 02:11:24.079 a new roof that's twenty four years old? Should you call your insurance company 1705 02:11:24.119 --> 02:11:28.479 and tell him he's not doing anything special, just putting on an asphalt roof, 1706 02:11:28.159 --> 02:11:31.239 but he's in the map. Absolutely. It's one of the biggest things 1707 02:11:31.279 --> 02:11:35.640 we tell people when we call him is that. Unfortunately, even if you 1708 02:11:35.760 --> 02:11:41.359 have an insurance company pay for that claim, the underwriting department does not communicate 1709 02:11:41.399 --> 02:11:43.560 with the claim department. So you need to make sure you let your agent 1710 02:11:43.720 --> 02:11:46.920 know that you had your roof replace so that they can update the police. 1711 02:11:48.000 --> 02:11:52.279 Okay, you a discount, Great stuff, Brian, Thank you, And 1712 02:11:52.319 --> 02:11:56.199 that's Compass Insurance Group. I love all of the information they give us. 1713 02:11:56.479 --> 02:11:58.840 Thank you, Brian. So bottom line is you do it. Okay, 1714 02:12:00.000 --> 02:12:01.680 I'm gonna let you go now, Thank you, sir. Appreciate it all 1715 02:12:01.760 --> 02:12:05.840 right. That's Brian Burns's compass insurance. Always get your insurance check up. 1716 02:12:05.840 --> 02:12:07.600 Three h three nine nine six nine thousand. Okay, I read that a 1717 02:12:07.640 --> 02:12:13.039 little wrong. It definitely was a recent ruling. It was. Here's what 1718 02:12:13.159 --> 02:12:20.479 they're saying, the vaccine mandate from the University of Colorado back in September of 1719 02:12:20.560 --> 02:12:28.600 twenty twenty one. What clearly violates the Constitution according to the US Court of 1720 02:12:28.680 --> 02:12:35.279 Appeals and Tenth Cicket Circuit Court on a decision just released. It wasn't a 1721 02:12:35.399 --> 02:12:41.039 decision back in twenty twenty one, I'm sorry, it was the mandate released 1722 02:12:41.439 --> 02:12:50.399 September twenty twenty one, and the mandate was ruled as clearly unconstitutional. Now, 1723 02:12:50.479 --> 02:12:56.000 this was the result of a lawsuit, but there are many other colleges 1724 02:12:56.119 --> 02:13:00.159 that did the same thing in universities. By the way, employers. You 1725 02:13:00.239 --> 02:13:05.319 know, what's amazing to me is the right to privacy on your body what 1726 02:13:05.479 --> 02:13:09.960 they're invoking when they talk about abortion. You know, the same right should 1727 02:13:11.000 --> 02:13:18.600 be extended for anything like that. Right, So bottom line unconstitutional. Now, 1728 02:13:18.720 --> 02:13:20.399 I know people are gonna say, well, well, was that a 1729 02:13:20.479 --> 02:13:24.399 conservative judge or a liberal judge? You know, of course we always ask 1730 02:13:24.479 --> 02:13:31.119 that, we never we never accept things do we unless we know where it's 1731 02:13:31.199 --> 02:13:35.359 coming from. By the way, renew home Innovations dot com. The reason 1732 02:13:35.399 --> 02:13:37.800 I'm mentioning it someone wanted to know, do you really get seventy two months 1733 02:13:39.119 --> 02:13:43.560 to pay with no interest? That absolutely yes. Now you can call them 1734 02:13:43.600 --> 02:13:46.399 for your bathroom three h three nine zero four to two thousand. I just 1735 02:13:46.520 --> 02:13:50.760 wanted to recognize that because it was a text message and they wanted to know 1736 02:13:52.319 --> 02:13:56.159 if that's true. It is seventy months no interest. Also, they do 1737 02:13:56.239 --> 02:13:58.800 it in two or three days. Renew home innovations dot Com. Now, 1738 02:14:00.279 --> 02:14:03.199 on another note, the non compete claus is shot down, so workers have 1739 02:14:03.359 --> 02:14:11.520 more rights. If you are looking to get a you just want to get 1740 02:14:11.760 --> 02:14:16.560 another job and put your you know, put yourself out to bid, they 1741 02:14:16.640 --> 02:14:22.800 can't hold you to say you can't work for a competitor. Now. Also, 1742 02:14:24.359 --> 02:14:30.079 did you hear that if you work this summer and you stay with your 1743 02:14:30.199 --> 02:14:35.800 job, young people, you get an extra one thousand dollars from the city 1744 02:14:35.760 --> 02:14:43.840 of Denver. That is a true story. Yep. The Denver mayor loves 1745 02:14:43.920 --> 02:14:48.279 spending money unless it's on the police department. But he'll give you one thousand 1746 02:14:48.359 --> 02:14:50.880 bucks if you're in high school and you work for the summer and stay with 1747 02:14:50.000 --> 02:14:54.760 your job. You got to find out more that's Denver for you. So 1748 02:14:54.239 --> 02:14:58.159 we're simply out of time, folks, and it's important that I tell you 1749 02:14:58.960 --> 02:15:05.239 three to three Martino. You can call twenty four to seven for help information. 1750 02:15:05.520 --> 02:15:09.000 Get your number in there. We'll call you back three zero three six 1751 02:15:09.079 --> 02:15:09.760 two seven eight four sixty six