WEBVTT

1
00:00:00.200 --> 00:00:13.560
And y'all ripped up. You need
advice so you don't have come running.

2
00:00:13.800 --> 00:00:20.879
Just as fas as we can,
Shooter's gonna help come Man Dix is the

3
00:00:21.039 --> 00:00:27.839
Troubleshooter Show. No Tom Martino,
Hey Tom Martino here, Welcome to the

4
00:00:27.920 --> 00:00:31.600
show. Three oh three seven one
three talk seven one three eight two five

5
00:00:31.679 --> 00:00:34.479
five. Solveum problems, answering questions, taking complaints. We're gonna go right

6
00:00:34.520 --> 00:00:38.000
to the phones. I do have
a guest today from fix At twenty four

7
00:00:38.039 --> 00:00:42.200
to seven Fixmi home dot com.
Uh. This hour brought to you by

8
00:00:42.399 --> 00:00:48.719
the people who are the best at
your uh at your stem cell therapy that

9
00:00:48.759 --> 00:00:53.600
I found Denver Regen dot com.
Yes, still doing stem cell therapy,

10
00:00:53.679 --> 00:00:57.560
Denver Regen dot com. Let's go
to the phones and find out what's on

11
00:00:57.600 --> 00:01:00.240
your mind today. John says,
I have any with a bad contractor?

12
00:01:00.679 --> 00:01:06.879
Now, By the way, in
addition to being with fix At twenty four

13
00:01:06.920 --> 00:01:11.280
to seven, my guest has also
been She's been pretty cool. As far

14
00:01:11.280 --> 00:01:17.519
as in journalism, She's covered a
lot of stuff. So you've had a

15
00:01:17.519 --> 00:01:23.400
as far as a bad contractors,
I know you've covered these stories. It's

16
00:01:23.439 --> 00:01:29.840
all over the You mainly worked in
Dallas area, right or okay? As

17
00:01:29.840 --> 00:01:34.000
a journalist, yes, okay,
so bad contractors are all over yes,

18
00:01:34.040 --> 00:01:38.840
I mean obviously they actually travel.
Yeah. Now, do you have strong

19
00:01:38.920 --> 00:01:42.799
laws in Texas? We don't have
strong laws here, you know, I

20
00:01:42.840 --> 00:01:48.680
don't know the exact laws in Texas
every time we see a storm come through.

21
00:01:49.000 --> 00:01:52.159
But I mean I'm all over the
country. It really differs right now,

22
00:01:52.239 --> 00:01:53.560
you need to look them up.
John. By the way, we

23
00:01:53.640 --> 00:01:57.560
have, what's the only thing we
have here is the Contractors Trust Act,

24
00:01:57.719 --> 00:02:01.359
which basically says, but no one
enforces it. You have to go to

25
00:02:01.400 --> 00:02:05.359
court to enforce it, or you
have to really get a lot of victims

26
00:02:05.879 --> 00:02:08.280
for the Attorney General or a district
attorney to take a look. It can

27
00:02:08.319 --> 00:02:12.360
be criminal. But what it says
is if you take money for a certain

28
00:02:12.439 --> 00:02:15.919
job, it must be held in
trust for that job. In fact,

29
00:02:15.919 --> 00:02:20.280
it goes on to say you can't
even use it for another job, and

30
00:02:20.319 --> 00:02:23.680
you can't put it into general cash
flow. And there's a lot of strict,

31
00:02:25.560 --> 00:02:30.960
strict regulations on it, but people
never ever ever enforce it. Now,

32
00:02:30.960 --> 00:02:32.360
I don't know what John's calling about, but I just wanted to mention

33
00:02:34.000 --> 00:02:38.360
that the strongest laws for contractors in
the entire country Florida. Really, in

34
00:02:38.479 --> 00:02:45.080
Florida, there are actually contractors or
there were last time I looked, that

35
00:02:45.360 --> 00:02:51.879
actually faced a life sentence. And
now how can that happen? Well,

36
00:02:52.759 --> 00:02:58.560
have you ever heard of three strike
law? Three felonies you get life.

37
00:02:58.719 --> 00:03:04.520
Those felonies could be with a home
contractor. I knew a contractor I never

38
00:03:04.560 --> 00:03:07.919
followed up after this that was facing
his third felony for taking money, doing

39
00:03:07.960 --> 00:03:13.719
something, doing it bad and cheating
someone. And he literally thought I could

40
00:03:13.759 --> 00:03:16.199
be facing a life sentence for a
con Can you imagine that you're in prison

41
00:03:16.240 --> 00:03:19.560
and somebody says, why are you
here? And he says, uh,

42
00:03:19.719 --> 00:03:22.759
plumbing. I mean, I don't
know, basement model. It's a bit

43
00:03:22.759 --> 00:03:23.840
extreme, you know what, it
makes sense for Florida, just with the

44
00:03:23.879 --> 00:03:27.919
weather that they happen around the old
people, both of those, I guess

45
00:03:27.919 --> 00:03:30.039
I'm one of them. So here
here's the deal. Seriously, John,

46
00:03:30.159 --> 00:03:34.680
what's going on with your con There's
nothing worse. Let me just say this,

47
00:03:35.039 --> 00:03:38.919
and John, you just hit a
nerve with me, because there's nothing

48
00:03:38.039 --> 00:03:42.560
worse than a bad contractor. And
I'm going to tell you why. And

49
00:03:42.639 --> 00:03:46.080
I don't even know what your problem
is. But like we talk to consumers

50
00:03:46.240 --> 00:03:50.960
every single day that spend you know, ten grand, they lose it,

51
00:03:51.039 --> 00:03:53.479
or twenty grand or twenty five grand
or thirty grand, pick a number,

52
00:03:54.039 --> 00:03:59.599
and they're never going to get it
back. These contractors simply go out of

53
00:03:59.639 --> 00:04:05.319
business, stay filed bankruptcy. Even
if you get a fraud judgment in court,

54
00:04:06.080 --> 00:04:11.439
that what they have to do to
pay you back. The restitution laws

55
00:04:11.479 --> 00:04:15.960
are so lenient that you really can
kiss the money goodbye again. I don't

56
00:04:15.960 --> 00:04:17.319
even know what John's calling forst off, shut up, go ahead, John,

57
00:04:18.639 --> 00:04:20.120
Hey, good morning. Can you
hear me? Hey, man,

58
00:04:20.199 --> 00:04:24.839
I can hear you. What's happening? No, I'm calling because I've got

59
00:04:24.879 --> 00:04:30.199
a bad contractor here in Colorado Springs. That. Uh, First of all,

60
00:04:30.199 --> 00:04:33.600
I'm a disabled veteran, so buying
a home, you know, most

61
00:04:33.680 --> 00:04:41.439
veterans use their their VA benefits to
do a VA homelong And in the VA

62
00:04:41.519 --> 00:04:46.199
home long process, the home has
to praise for the cost or the value

63
00:04:46.560 --> 00:04:51.079
of what you're purchasing. So I
had a home build here where the where

64
00:04:51.120 --> 00:04:57.279
the contractor? Well, John,
John, you left a few blanks.

65
00:04:57.319 --> 00:05:00.600
So did you get a VA loan
to do that? I had applied for

66
00:05:00.639 --> 00:05:04.519
a VIA loan, but I did
not purchase the home. I used the

67
00:05:04.600 --> 00:05:10.560
VIA escape clause to cancel the contract. Okay, but at first you had

68
00:05:10.560 --> 00:05:15.079
a VA home loan. I had
an approval for a VIA home loan took

69
00:05:15.319 --> 00:05:19.120
okay? Correct? Okay, so
with that, because I've never heard of

70
00:05:19.120 --> 00:05:24.439
that before. So you get pre
approved and then when you go to build

71
00:05:24.439 --> 00:05:29.600
that house. Are you saying you
get pre approved and then the contractor builds

72
00:05:29.600 --> 00:05:31.160
the house and then you close on
it. Is that what you're talking?

73
00:05:31.399 --> 00:05:35.360
It's not like it's not like you
took out a construction loan. You went

74
00:05:35.399 --> 00:05:39.759
to a contractor and said, I'm
pre approved, build me a house.

75
00:05:40.639 --> 00:05:44.720
Correct? And when when you said
build me a house and I'm sorry,

76
00:05:44.720 --> 00:05:47.319
but I need these details. Is
it like in a subdivision where you picked

77
00:05:47.360 --> 00:05:51.439
a model and they were going to
build that house. This was just east

78
00:05:51.439 --> 00:05:56.680
of Colorado Screens on thirty five acres. But okay, so it was totally

79
00:05:56.800 --> 00:06:00.759
custom In other words, it wasn't
like you went to a home subdivision and

80
00:06:00.800 --> 00:06:05.120
you picked from a model. No. Correct, This was supposed to be

81
00:06:05.120 --> 00:06:09.399
an award winning builder here and talks. Okay, gotcha? So keep going.

82
00:06:09.439 --> 00:06:12.680
What's happened. And by the way, who is the builder, high

83
00:06:12.720 --> 00:06:16.639
Point Homebuilders? Okay, so go
with your story. Okay. So originally,

84
00:06:16.680 --> 00:06:19.680
you know, when you do that
exactly like you described, you pick

85
00:06:19.759 --> 00:06:25.600
everything out and yeah, you have
a base price and everything is included in

86
00:06:25.639 --> 00:06:30.839
that base price. In this contract, there was a sceptic allowance of eighteen

87
00:06:30.879 --> 00:06:36.759
thousand dollars. What kind of an
allowance? A sceptic allowance for the cottage?

88
00:06:36.800 --> 00:06:41.040
Okay, would be put in?
Yeah, and it was. You

89
00:06:41.079 --> 00:06:45.319
know, I have a whole different
you keep going, but I do want

90
00:06:45.319 --> 00:06:48.040
to I'm putting a note here.
I need to talk about this, the

91
00:06:48.079 --> 00:06:53.120
allowance thing. Keep going. What
happened? Then? Well, he turned

92
00:06:53.120 --> 00:06:57.199
the permit into I want to say
he I'm referring to the owner of High

93
00:06:57.240 --> 00:07:01.639
Point Homebuilders. He turned the septic
term it into El Paso County with the

94
00:07:01.680 --> 00:07:11.680
septic design in August of twenty twenty
one, and approximately May the end of

95
00:07:11.720 --> 00:07:15.519
May of twenty twenty two, he
calls me and says, the septic is

96
00:07:15.560 --> 00:07:18.480
going to be sixty six thousand dollars. Well, and the and the the

97
00:07:18.560 --> 00:07:28.399
allowance was seventeen eighteen eighteen okay,
almost four times the amount in the contract.

98
00:07:28.759 --> 00:07:30.800
Yeah, and and let me let
me just say this now, since

99
00:07:31.079 --> 00:07:34.959
I use these calls not only to
help the caller but to educate our people

100
00:07:35.040 --> 00:07:40.079
that so they don't fall into traps
when it comes to home. This is

101
00:07:40.199 --> 00:07:43.120
really important John, And I'm sorry
I'm taking your time, but I'm going

102
00:07:43.199 --> 00:07:47.879
to let you finish. But here's
what happens when you contract for a home

103
00:07:49.199 --> 00:07:55.120
and you have allowance items. I
want to explain this to everyone. The

104
00:07:55.240 --> 00:08:03.319
bid or the estimate or the contracted
price is a fantasy. Okay, in

105
00:08:03.399 --> 00:08:11.000
all cases, it's a fantasy,
and builders use this to lure people into

106
00:08:11.079 --> 00:08:16.319
a contract, so they commit to
it and in hopes that they won't back

107
00:08:16.360 --> 00:08:22.279
away. But even if they back
away, let me explain something. The

108
00:08:22.319 --> 00:08:28.399
builder uses the perspective buyer in order
to get a construction loan, so that

109
00:08:28.519 --> 00:08:33.159
builder benefited from you even if you
don't buy the house. So if you

110
00:08:33.360 --> 00:08:41.200
go and they they do, they
literally do a bank loan based on your

111
00:08:41.320 --> 00:08:45.240
qualification, and then in the middle
of it, if you walk away,

112
00:08:45.320 --> 00:08:48.879
they can still finish the house and
sell it and sometimes even for more money.

113
00:08:48.480 --> 00:08:52.080
So what is an allowance? What
they say is, oh, you're

114
00:08:52.120 --> 00:08:58.200
going to have an allowance for hardware
like hardware and bath hardware, or door

115
00:08:58.240 --> 00:09:03.559
hardware or windows. Sometimes they do
allowance for painting. Sometimes they do allowance

116
00:09:03.600 --> 00:09:07.559
for carpeting. Not all the time. Sometimes they're fixed prices, but many

117
00:09:07.639 --> 00:09:13.120
times there are allowances, and what
the contractor is supposed to do is give

118
00:09:13.159 --> 00:09:18.240
a good faith estimate of what that
allowance would cost. Now in the contract

119
00:09:18.279 --> 00:09:22.200
you signed, no matter what.
If this unless the builder's a complete moron,

120
00:09:22.399 --> 00:09:26.080
sorry to my YouTube morons, but
unless he's a complete moron, this

121
00:09:26.200 --> 00:09:33.399
builder built into that contract wording that
said these allowance items are simply allowance items,

122
00:09:33.679 --> 00:09:39.279
and if they go up beyond his
control, you either have to pay

123
00:09:39.320 --> 00:09:43.000
it or you walk. So I
want people to know when they see an

124
00:09:43.039 --> 00:09:48.600
allowance for a septic system at eighteen
grand and it turns out to be one

125
00:09:48.679 --> 00:09:52.639
hundred and eighteen grand, if it's
not the builder's fault, it's not the

126
00:09:52.679 --> 00:09:58.000
builder's fault. Now, if the
builder saw you were over solid rock and

127
00:09:58.039 --> 00:10:01.799
this septic system and was going to
cost oodles of money, and they were

128
00:10:01.840 --> 00:10:07.279
disingenuous in their estimates, you could
do something about it. But most of

129
00:10:07.320 --> 00:10:09.799
the time, when you're building a
house, you don't exactly have excess money

130
00:10:09.840 --> 00:10:13.759
to go after a builder, So
keep going. Now, what happened,

131
00:10:13.519 --> 00:10:18.360
Well, what happened is, you
know, we we couldn't come to terms,

132
00:10:18.360 --> 00:10:22.600
and I canceled the contract. Yeah, I did not ask for any

133
00:10:22.600 --> 00:10:24.360
of my money back because I knew
he was Wait a minute, how much

134
00:10:24.399 --> 00:10:28.480
money had you paid thus far?
That far? I was about twenty thousand

135
00:10:28.519 --> 00:10:31.720
dollars. Well, you should get
your money back. You'd be canceled because

136
00:10:31.720 --> 00:10:35.879
he's going to sell the house.
But I mean, did you cancel according

137
00:10:35.879 --> 00:10:39.000
to the contract? I did?
I canceled in what I thought was according

138
00:10:39.039 --> 00:10:41.720
to the contract. And what was
the What was the clause you used to

139
00:10:41.759 --> 00:10:50.600
cancel? I used the Uh,
the builder had not performed, so I

140
00:10:50.679 --> 00:10:54.440
used the performance clause. And how
did he not perform? Well, my

141
00:10:54.559 --> 00:11:00.440
thought was he had the septic design
nine months earlier, and you know past

142
00:11:00.519 --> 00:11:03.919
some homebuilder has been doing this thirty
years. He should have known him his

143
00:11:03.960 --> 00:11:09.279
alignance. Okay, that's that's not
a bad that's not a bad tactic.

144
00:11:09.639 --> 00:11:15.759
But if he had this septic system
designed that much earlier, my quick question

145
00:11:15.879 --> 00:11:20.159
to you is, why did it
turn out to be five times the cost

146
00:11:20.240 --> 00:11:26.759
or whatever? Why he tried to
use the excuse at one point that he

147
00:11:26.799 --> 00:11:31.080
didn't look at it. He had
his office personnel just send it to the

148
00:11:31.120 --> 00:11:39.240
county. So when he estimated what
did he best, what did he base

149
00:11:39.320 --> 00:11:43.200
the allowance on? He said he
had built, you know, probably ten

150
00:11:43.279 --> 00:11:48.919
homes in this community because it was
a community of homes on on large acreage.

151
00:11:48.240 --> 00:11:54.279
And okay, so the average of
the septics, why was yours so

152
00:11:54.480 --> 00:11:58.080
much? Why? He said it
was because of the enormous leachfield. But

153
00:12:00.159 --> 00:12:03.279
I went and found a home that
he put in two months before he got

154
00:12:03.279 --> 00:12:07.519
this design. So he put a
home in I'm down the road in twenty

155
00:12:07.559 --> 00:12:13.840
twenty one with the exact same size
Leachfield, and he actually, it's a

156
00:12:13.879 --> 00:12:18.840
funny story. I ended up hiring
that person with my current company, and

157
00:12:18.879 --> 00:12:20.799
I don't want to mention them by
name on this call, but I ended

158
00:12:20.879 --> 00:12:26.320
up hiring an individual that canceled that
contract on that same house with him because

159
00:12:26.360 --> 00:12:31.799
he charged him. He put in
his contract a fourteen thousand dollars allowance and

160
00:12:31.840 --> 00:12:35.519
then he issued him a change order
for twelve thousand dollars. Sob okay,

161
00:12:35.559 --> 00:12:39.720
I get it now, this could
be a fraud in the inducement. It

162
00:12:39.759 --> 00:12:45.480
could be I don't see why you
left twenty grand on the table. Hold

163
00:12:45.519 --> 00:12:46.840
on and I'll come back to you. I don't know where we're going with

164
00:12:46.879 --> 00:12:50.080
this and what I can do to
help you. If you're calling about your

165
00:12:50.120 --> 00:12:54.559
twenty grand, I think that's a
good call to make. But we'll listen.

166
00:12:54.600 --> 00:12:56.200
We got a full lines. Let
me, let me take this break,

167
00:12:56.240 --> 00:13:00.840
and we'll come back to you,
because I do believe you got screwed

168
00:13:00.840 --> 00:13:03.679
here. But you got to show
a pattern of deceit. Okay, that's

169
00:13:03.720 --> 00:13:05.440
what you're gonna have to show.
By the way, waterpros dot net the

170
00:13:05.440 --> 00:13:09.960
best water systems, the lowest prices. You know how I feel about this

171
00:13:09.000 --> 00:13:11.720
guy, Paul the Waterman. I've
been dealing with him for years and years.

172
00:13:11.759 --> 00:13:16.519
I have two of his systems.
I urge you to get a system

173
00:13:16.600 --> 00:13:20.039
hull House thirty four hundred bucks.
You will preserve your plumbing. You will

174
00:13:20.039 --> 00:13:24.639
do laundry with less detergent, sometimes
no detergent. I swear to you you

175
00:13:24.679 --> 00:13:28.159
will love the water, you will
love the health, You will love everything

176
00:13:28.159 --> 00:13:31.600
it brings to you. Waterpros dot
net three oh three eight six two five

177
00:13:31.759 --> 00:13:41.840
five five four Go with a sure
thing Denver's best roofer Excel Roofing dot com.

178
00:13:41.879 --> 00:13:48.480
You don't pay a cent until you're
content. Time for an insurance check

179
00:13:48.559 --> 00:13:52.840
up free, no obligation. In
comparison, call Compass Insurance paying too much

180
00:13:52.960 --> 00:13:56.919
your coverage at dozens of insurance companies
find out now three oh three, seven

181
00:13:56.919 --> 00:14:01.120
to seven to one. Help.
You'll think you're his only customer when you

182
00:14:01.200 --> 00:14:05.360
choose Frank durand the real estate Man
dot com to list your home with Remax

183
00:14:05.399 --> 00:14:13.080
Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino here

184
00:14:13.120 --> 00:14:16.799
three three seven to one three talks
seven one three eight two five five John,

185
00:14:18.000 --> 00:14:20.879
what can we do for you?
You had a contractor you got out

186
00:14:20.919 --> 00:14:24.320
of the contract. You left twenty
grand on the table. You were upset

187
00:14:24.320 --> 00:14:30.360
with his allowance. Again, most
of the time builders when they do allowances,

188
00:14:30.399 --> 00:14:35.120
have escape clauses so they're not held
responsible. And it would be I

189
00:14:35.159 --> 00:14:39.279
think more money than it's worth to
try to prove that he purposely low balls

190
00:14:39.320 --> 00:14:45.440
allowances. But it could happen.
So where do we stand right now?

191
00:14:46.080 --> 00:14:50.120
So where we stand right now?
As after I canceled, I received a

192
00:14:50.159 --> 00:14:56.960
demand letter from his attorney and what
was the demand for demanding that I return

193
00:14:56.039 --> 00:15:03.679
and purchased the home. Oh now, so that's called they're they're demanding specific

194
00:15:03.759 --> 00:15:09.679
performance. Correct. Correct, So
there was nothing else for me to do

195
00:15:09.759 --> 00:15:13.639
but return and have the home appraised. Wait a minute, so you wait,

196
00:15:13.679 --> 00:15:18.519
wait, wait, so you you
got frightened with this letter and you

197
00:15:18.559 --> 00:15:22.159
went back and decided you were going
to go through with it. I went

198
00:15:22.200 --> 00:15:24.639
back and said I would go through
with the appraisal to see if the home

199
00:15:24.679 --> 00:15:28.159
appraised. If the home had a
praised, me and my wife were going

200
00:15:28.159 --> 00:15:31.440
to purchase the home. What did
it? A praise for it? A

201
00:15:31.519 --> 00:15:37.279
praise? It A praised less than
the cost? Really? So it really

202
00:15:37.399 --> 00:15:43.879
really? I mean okay hmm,
less less than the cost other than the

203
00:15:45.159 --> 00:15:50.960
other than the sewer or the you
know, the septic what went over They

204
00:15:50.960 --> 00:15:54.919
didn't. The praiser just gives you
an overall value for the home, and

205
00:15:56.039 --> 00:16:00.759
the sales price he was selling it
to me was over that value by about

206
00:16:00.799 --> 00:16:06.720
ten thousand dollars. Yeah. But
but all of this was known to you

207
00:16:06.759 --> 00:16:11.240
before you did it. No,
what do you mean? No praise at

208
00:16:11.240 --> 00:16:15.360
home? What's that? I did
not know the appraised value of the home,

209
00:16:15.440 --> 00:16:18.519
but it was What I meant was
it was open for you to know.

210
00:16:18.600 --> 00:16:21.879
There was nothing hidden. I mean, how did your how did your

211
00:16:21.960 --> 00:16:29.039
lender approve you for that home without
an appraisal? They approved me for an

212
00:16:29.080 --> 00:16:33.879
amount? Okay, so it wasn't
approved for that home. I get it,

213
00:16:33.240 --> 00:16:37.639
I get it, you get young. I understand you were pre qualified.

214
00:16:37.919 --> 00:16:41.960
You were not approved, Okay,
pre approved or prequalified if you pre

215
00:16:42.120 --> 00:16:48.519
qualified? Okay, So now what
but what do you want? Now?

216
00:16:48.639 --> 00:16:51.960
Hey, it has when BA,
it has to appraise. If it doesn't

217
00:16:51.960 --> 00:16:53.600
appraise, then as a veteran,
you can walk away from the home.

218
00:16:55.159 --> 00:17:00.480
Well, hold on, hold on, hold bro hold on. The VA

219
00:17:00.559 --> 00:17:04.200
can't tell that builder how to do
business. When the VA says you can

220
00:17:04.240 --> 00:17:07.880
walk away from the home, they
have no They have no jurisdiction to tell

221
00:17:07.880 --> 00:17:12.160
you that. All the VA can
say is you can walk away from us.

222
00:17:12.200 --> 00:17:15.799
You don't have to go through with
the loan. But they can't tell

223
00:17:15.880 --> 00:17:21.319
that builder that they have to let
you out. There's I don't know of

224
00:17:21.359 --> 00:17:23.480
any law that says that. Now, I'm not Maybe there is one,

225
00:17:23.519 --> 00:17:26.519
but I don't know of any.
Did your attorney say there was a law

226
00:17:26.559 --> 00:17:30.240
of such a law. Yeah,
it's in the Code of Federal Regulations,

227
00:17:30.400 --> 00:17:36.240
Chapter thirty eight. But hold on
now, wait a minute, does it

228
00:17:36.839 --> 00:17:41.319
actually obligate the builder to release you
from the contract. I don't know how

229
00:17:41.319 --> 00:17:48.000
the federal government could do that.
I mean I your attorney told you that

230
00:17:48.400 --> 00:17:53.200
under the law that this builder must
release you from the contract. That's wonderful.

231
00:17:53.480 --> 00:17:57.759
Then then why are we having the
conversation. You already won? I

232
00:17:57.839 --> 00:18:03.400
did, but the builders and uh
I spent over two hundred dollars two hundred

233
00:18:03.440 --> 00:18:07.279
thousand dollars in legal fees against this
building. No, no, wait a

234
00:18:07.359 --> 00:18:12.480
minute, John, did you win? I want? Yes, in court?

235
00:18:12.519 --> 00:18:15.279
I did win. Okay, what
did you win in court? The

236
00:18:15.640 --> 00:18:21.519
right to walk away? The right
to walk away and my twenty thousand dollars

237
00:18:21.559 --> 00:18:27.519
back. But wait a minute,
what attorney would have you spend two hundred

238
00:18:27.559 --> 00:18:34.039
thousand dollars to get twenty thousand back? Robinson and Henry, why did you

239
00:18:34.160 --> 00:18:37.039
hire them to do? What did
they advise you? This was going to

240
00:18:37.119 --> 00:18:41.720
cost a lot of money, they
advised me. Then I would get all

241
00:18:41.759 --> 00:18:45.640
of my legal fees back. Oh
wait they wait, wait, they actually

242
00:18:45.680 --> 00:18:48.440
told you that? Yes, they
told me that all the way up until

243
00:18:48.480 --> 00:18:52.279
three weeks before trial. After I
had spent one hundred and fifty thousand in

244
00:18:52.359 --> 00:18:56.200
legal pieces, and what did they
say? You wouldn't get your money back?

245
00:18:57.599 --> 00:19:02.160
The partner I was dealing with,
I don't know why he left the

246
00:19:02.200 --> 00:19:06.000
firm, but he immediately left the
firm and I was assigned to a different

247
00:19:06.000 --> 00:19:08.880
partner three weeks before trial. Okay, here's what I want to know.

248
00:19:10.240 --> 00:19:15.839
You you won, you actually won
the case, but spent two hundred thousand.

249
00:19:15.039 --> 00:19:18.000
So right now, you didn't have
to pay the builder, You got

250
00:19:18.000 --> 00:19:22.519
your twenty grand back, and you
got to walk from the contract. Is

251
00:19:22.559 --> 00:19:26.799
that right? Correct? What are
you calling about now? Because the builders

252
00:19:26.839 --> 00:19:32.079
out of it? What are you
calling about now? Well? I'm calling

253
00:19:32.119 --> 00:19:37.440
for two reasons. One, I
want I wanted everyone to know about the

254
00:19:38.119 --> 00:19:42.680
vascape clause and in that, well, it didn't do you any good?

255
00:19:44.079 --> 00:19:48.000
Oh the VA skate clubs. Didn't
you do any good? Nothing? It

256
00:19:48.039 --> 00:19:53.319
didn't do you any good. It
didn't actually, yeah, it did not.

257
00:19:53.680 --> 00:19:56.440
It didn't. You You could if
truly there was a law there.

258
00:19:56.559 --> 00:20:00.720
I doubt there is, and I
doubt I think your attorney has interpreted it,

259
00:20:00.799 --> 00:20:03.559
but I'll look at it. I
think there would have been a summary

260
00:20:03.680 --> 00:20:06.920
judgment you wouldn't have gone through.
There is no fact finding when there's a

261
00:20:07.000 --> 00:20:11.200
law on your side. There's no
fact finding. The attorney the judge to

262
00:20:11.319 --> 00:20:14.839
make a summary judgment. There was
no summary judgment. There was a there

263
00:20:14.920 --> 00:20:18.599
was a finding a fact correct.
The judge found the finding a fact that

264
00:20:18.720 --> 00:20:22.720
the judge ruled that I think you
was that I use my via escape clause

265
00:20:22.720 --> 00:20:30.279
appropriately. Then why didn't your attorney
go for a summary judgment before you even

266
00:20:30.559 --> 00:20:34.200
bothered spending all that money? We
did, but it was never focused on

267
00:20:34.319 --> 00:20:37.559
that. I don't know, okay, and I can't go back anyway,

268
00:20:37.680 --> 00:20:42.680
So listen man. By the way, I applaud you for your a disabled

269
00:20:42.799 --> 00:20:47.480
veteran, I honor your commitment.
I don't know what I can do to

270
00:20:47.559 --> 00:20:51.000
help. What are you hoping to
accomplish? You want to let people know

271
00:20:51.079 --> 00:20:53.400
about the escape clause, but the
escape clause won't get them out of trouble.

272
00:20:53.799 --> 00:20:57.079
As you just demonstrated, they can
still get in a lot of trouble.

273
00:20:57.279 --> 00:21:03.240
What they have to do is first
get an appraisal of the project and

274
00:21:03.359 --> 00:21:07.839
then have escape clauses in the contract
that says if you go over allowances or

275
00:21:07.960 --> 00:21:12.680
in fact don't accept allowances, only
accept solid bids. That's one way to

276
00:21:12.720 --> 00:21:18.160
protect yourself. But now that we're
here, what do you want at this

277
00:21:18.440 --> 00:21:25.160
point? Because you just blew two
hundred grand over two d Yeah, oh

278
00:21:25.279 --> 00:21:32.079
my god, where'd you get the
money? You know? I had you

279
00:21:32.160 --> 00:21:37.720
know, about half of the money
you know, in cash and the other

280
00:21:37.799 --> 00:21:41.680
half I I've had to take out
looms. You're not going to like my

281
00:21:41.799 --> 00:21:47.720
next recommendation, bro, No,
uh, you know what my next recommendation

282
00:21:47.880 --> 00:21:52.400
is going to be. I imagine, But I don't go ahead bankruptcy,

283
00:21:56.400 --> 00:21:57.920
you know, otherwise you're going to
be in debt the rest of your life

284
00:21:57.960 --> 00:22:03.200
for this unless I sell my home
which I'm gonna have to sell my home

285
00:22:03.279 --> 00:22:07.240
in Downside. That's where I'm at
because of this. But one thing I

286
00:22:07.319 --> 00:22:11.599
do want to point out for listeners
tom As this builder to be approved to

287
00:22:11.759 --> 00:22:18.799
build and sell to veterans using VA, they have to apply for a builder

288
00:22:18.880 --> 00:22:22.519
number saying they will follow all the
VIA regulations. Yeah, but they could

289
00:22:22.599 --> 00:22:29.599
easily show they could easily show that
it was beyond their control. Well,

290
00:22:30.160 --> 00:22:33.640
part of the VIA regulation state that
he has to have that VA escape clause

291
00:22:33.640 --> 00:22:38.039
in his contract, which was partially
there but hidden, and my experts test.

292
00:22:38.160 --> 00:22:42.240
Okay, that's good. But here's
the point. Even with the escape

293
00:22:42.279 --> 00:22:49.240
clause, you had to fight to
get it enforced. I did, and

294
00:22:49.400 --> 00:22:52.039
I did it for other veterans because
I know of about thirty. But I

295
00:22:52.079 --> 00:22:56.079
don't think it'll help other veterans.
I am telling you that today another veteran

296
00:22:56.119 --> 00:23:00.559
could do the same thing, and
tomorrow another veteran could do the same thing.

297
00:23:00.799 --> 00:23:03.119
The only thing that's going to help
a veteran is education. Because even

298
00:23:03.200 --> 00:23:07.799
with that escape clause as you call
it, it's not automatic. As we've

299
00:23:07.880 --> 00:23:10.839
just found out, you had to
You had to spend two hundred grand to

300
00:23:10.839 --> 00:23:15.200
get it enforced exactly. And that's
that's the reason I'm calling Tom. I

301
00:23:15.240 --> 00:23:18.680
don't know that you can't help me, but at least the word can get

302
00:23:18.720 --> 00:23:21.839
out over you. Yeah it ken, Yeah it can. And I'm telling

303
00:23:21.880 --> 00:23:30.039
you, man, oh my god, I mean, I feel I feel

304
00:23:30.160 --> 00:23:32.640
terrible for you, but I do
want to get the word out. I'm

305
00:23:32.640 --> 00:23:36.599
going to research this escape cloth.
Could you do me a favor? Could

306
00:23:36.640 --> 00:23:41.599
you give as much of the citation
to Kachina off the air, because I

307
00:23:41.640 --> 00:23:45.319
don't want to recite a lot of
this is where I can look that up

308
00:23:45.720 --> 00:23:48.880
and I agree with you, but
I'll okay, good, good good if

309
00:23:48.920 --> 00:23:52.799
you put it in your original email
she has it hold on three oh three,

310
00:23:52.160 --> 00:23:56.599
And I just want to do that
and then and then I'll get back

311
00:23:56.640 --> 00:24:00.680
to you if if I have some
ideas. This is as I said,

312
00:24:00.680 --> 00:24:04.279
this is terrible. Now. Kara
wants to talk about a family employment program.

313
00:24:04.400 --> 00:24:11.680
George wants to talk about Jewel autobody. Stacy called three weeks ago about

314
00:24:11.680 --> 00:24:14.480
a divorce. She wants to give
us a follow up and all of that

315
00:24:14.680 --> 00:24:18.359
is coming up on The Troubleshooter Show
three O three seven to one, three

316
00:24:18.400 --> 00:24:29.920
eight two five five. Go with
a sure thing Denver's Best Roofer Excel Roofing

317
00:24:30.000 --> 00:24:36.480
dot com. You don't pay a
cent until you're content. Time for an

318
00:24:36.519 --> 00:24:41.279
insurance checkup free, no obligation.
In comparison, call Compass Insurance paying too

319
00:24:41.400 --> 00:24:45.640
much your coverage at dozens of insurance
companies find out now three all three seven

320
00:24:45.640 --> 00:24:48.839
to seven to one. Help.
You'll think you're his only customer when you

321
00:24:48.920 --> 00:24:52.079
choose Frank durand the real estate Man
dot com to list your home with Remax

322
00:24:52.119 --> 00:24:59.400
Alliance three oh three nine two zero
sixteen twenty two. Hey Tom Martino here

323
00:24:59.440 --> 00:25:04.680
three three seven one three talk seven
one three eight two five five George wants

324
00:25:04.720 --> 00:25:10.400
to talk about an autobody shop.
But by the way, during these hundred

325
00:25:10.440 --> 00:25:15.359
degree days, if you had a
membership. Now, I do not generally

326
00:25:15.480 --> 00:25:22.440
believe in like warranties and services and
that kind of stuff. Memberships into a

327
00:25:22.680 --> 00:25:27.960
company like fix It, where you
pay a certain monthly fee and get services

328
00:25:29.079 --> 00:25:32.559
for it. In other words,
if you multiply the amount you pay in

329
00:25:32.640 --> 00:25:37.359
a year and then talk and then
divide the services you get into it.

330
00:25:37.240 --> 00:25:45.359
If the price you pay is equal
or better than normal, then it's a

331
00:25:45.440 --> 00:25:49.720
no brainer because you're paying for something, but in addition to it, you

332
00:25:49.839 --> 00:25:53.079
get other benefits. So it fix
It. They have a very They have

333
00:25:53.119 --> 00:25:56.319
a special right now on their memberships. First of all, we're gonna give

334
00:25:56.319 --> 00:26:02.880
away some free ones right just listeners, right now? What do they they

335
00:26:02.920 --> 00:26:04.079
have to call? I want to
give how many are we giving away?

336
00:26:04.160 --> 00:26:08.079
We're giving ten away just for Martino
listeners. Ten away? Okay, Yeah,

337
00:26:08.200 --> 00:26:11.559
So that's a free membership for the
year. And then they get the

338
00:26:11.640 --> 00:26:15.440
most important thing, I think the
services they get, the water heater service,

339
00:26:15.519 --> 00:26:22.960
the electrical the electrical panel, the
furnace and air so so those those

340
00:26:22.039 --> 00:26:25.400
are that Yeah, so that's worth
what you're paying. But here's the deal.

341
00:26:26.400 --> 00:26:30.880
Priority appointments, Tom, this is
so huge, well yeah or whatever.

342
00:26:30.880 --> 00:26:36.920
You can't get to everyone. So
do they preserve the first few hundred

343
00:26:37.000 --> 00:26:40.440
or so or I don't know how
many, but certain percentage of appointments for

344
00:26:40.480 --> 00:26:42.680
the members? Right? The way
it works our office managers, what they

345
00:26:42.799 --> 00:26:47.319
have is they see that we've got
a member, and then you get priority

346
00:26:47.440 --> 00:26:48.880
automatically. Most that's part of it, all right. Yeah, Well,

347
00:26:49.400 --> 00:26:52.920
so, by the way, if
you want to be part of that is

348
00:26:52.960 --> 00:26:56.000
fix myhome dot com and we give
out the number two right seven two zero

349
00:26:56.119 --> 00:26:57.960
five two six thirty nine thirty nine. If you're one of the first ten

350
00:26:59.039 --> 00:27:03.279
callers right now, you'll get a
free membership. There's absolutely no obligation.

351
00:27:03.480 --> 00:27:07.640
Free membership seventy zero five two six
thirty nine thirty nine. We're going to

352
00:27:07.720 --> 00:27:11.079
fill those up quick now. George, what's going on with Jewel autobody?

353
00:27:11.160 --> 00:27:14.160
I don't know if I've ever heard
of Jewel. What's happening? Man?

354
00:27:15.279 --> 00:27:19.480
They've had my truck for a month, oh man, only a month?

355
00:27:19.839 --> 00:27:25.720
Only a month? You know what, I am getting this complaint. Honest

356
00:27:25.799 --> 00:27:30.559
to God, the complaints we're getting
about body shops, and it's not the

357
00:27:30.680 --> 00:27:34.359
quality of work. We're getting complaints
about how long the damn stuff is taking.

358
00:27:36.359 --> 00:27:41.720
Yeah, what's going on with you? Or I'm handicap? Every time

359
00:27:41.759 --> 00:27:45.160
I call over, they say they're
working on it, and then I go

360
00:27:45.279 --> 00:27:48.400
by there on weekend and they're sitting
in the back chocked up and they're not

361
00:27:48.519 --> 00:27:52.480
working on it. They've write to
me every time I call. Well,

362
00:27:52.960 --> 00:27:59.160
when you say they're lying to you, Okay, let's talk about that.

363
00:28:00.160 --> 00:28:04.240
Is it their fault it's taking this
long? Or is there truly a delay

364
00:28:04.319 --> 00:28:10.680
on parts? What do you think? I don't know because I talked to

365
00:28:10.759 --> 00:28:14.319
them they lie to me. Well, what do you mean they lie to

366
00:28:14.400 --> 00:28:18.880
you? They say they're working on
it, and then I go by there

367
00:28:18.000 --> 00:28:23.599
on the weekends trucks sitting in back
tarped up. Oh my gosh, Okay,

368
00:28:25.480 --> 00:28:33.240
now what's wrong with your truck?
The finance got here, the wheels

369
00:28:33.279 --> 00:28:38.319
caved in and like I got like
the sidewipe. Now is your so is

370
00:28:38.400 --> 00:28:44.039
your insurance paying or the other?
No, my insurance is paying very the

371
00:28:45.240 --> 00:28:49.079
I now they paid them twenty thousand
dollars and insurance don't want nothing to do

372
00:28:49.200 --> 00:28:53.079
with me no more because they can't
do nothing, the more because I didn't

373
00:28:53.079 --> 00:28:57.640
go with one of their recommended bass. Well, no, your insurance will

374
00:28:57.720 --> 00:29:03.880
never help you. But what does
so but here, Well, they don't

375
00:29:03.920 --> 00:29:08.000
help you really with with many people
anyway. I mean, even if if

376
00:29:08.039 --> 00:29:11.519
it's a preferred shop, they say, well, you contracted him, but

377
00:29:14.599 --> 00:29:17.400
there's not George, I don't want
to give you a lot of false hope.

378
00:29:17.759 --> 00:29:22.119
If they're truly waiting on parts,
there's not much you can do about

379
00:29:22.160 --> 00:29:26.920
it unless I mean, they have
no reason. They have no reason to

380
00:29:26.079 --> 00:29:30.079
delay this unless they spent the money
and they don't have the money to fix

381
00:29:30.160 --> 00:29:34.039
it. Is that what you think
happened? I don't know. I don't

382
00:29:34.079 --> 00:29:41.640
know. I called this one guy, Joe, don't he told me if

383
00:29:41.680 --> 00:29:45.880
I kept calling him, assume about
the truck, he said he'd take his

384
00:29:45.039 --> 00:29:51.720
turn. That's mean, come on, how did you find Jewel Autobody?

385
00:29:52.799 --> 00:29:56.160
My wife, Petter car worked there
and they did a good job. A

386
00:29:56.200 --> 00:30:00.079
couple of friends of mine their cars
taken there and they did a good So

387
00:30:00.359 --> 00:30:03.640
I don't know what the guy got. Wait, This guy actually got upset

388
00:30:03.720 --> 00:30:06.720
with you calling and said, if
you call more, he's going to take

389
00:30:06.759 --> 00:30:11.640
his time. Yeah, his name
is Joe. Is he like just a

390
00:30:11.759 --> 00:30:15.920
worker there or a manager or why
some kind of I think he's a manager.

391
00:30:17.119 --> 00:30:18.039
I don't know what he is.
Well, then do you want us

392
00:30:18.079 --> 00:30:22.480
to call over there, because all
we can do is call and verify that

393
00:30:22.559 --> 00:30:26.200
they're waiting on parts and try to
figure out if we can find the parts.

394
00:30:26.599 --> 00:30:30.839
I mean, we've helped in the
past, but most of the time,

395
00:30:30.359 --> 00:30:36.319
George, there's a legit weight on
body parts. What year is your

396
00:30:36.359 --> 00:30:42.240
truck? Twenty two nineteen? I
mean twenty twenty two? What kind is

397
00:30:42.319 --> 00:30:49.880
it? Dodge big Cord? What
is the last estimate you got? That's

398
00:30:49.880 --> 00:30:53.559
the estim I got was nine thousand, now went up to twenty thousand.

399
00:30:55.440 --> 00:31:00.559
They get hold on, Well,
it might be real. I mean you

400
00:31:00.799 --> 00:31:06.039
you're so distrustful. I mean,
will they listen if they didn't start it?

401
00:31:06.119 --> 00:31:08.799
Will they will they give you your
well your deposit? Did you make

402
00:31:08.880 --> 00:31:14.279
a deposit? Or your insurance?
Did I insure pay them all the money?

403
00:31:14.640 --> 00:31:18.240
I didn't? Why? Why?
Why did your insurance pay before the

404
00:31:18.319 --> 00:31:22.440
work was done? I don't know. You have to call state BOM.

405
00:31:22.640 --> 00:31:26.440
I don't know why they paid them
because you authorized them too. That's the

406
00:31:26.519 --> 00:31:30.359
only way they'll pay. No,
they know I didn't authimize nothing. That's

407
00:31:30.440 --> 00:31:38.759
what they got when they said an
adjuster there. Hey, Doc, I

408
00:31:38.839 --> 00:31:42.240
know you're there, Doc, come
here, can wait? Listen. I

409
00:31:42.279 --> 00:31:48.119
don't want to inflame the situation because
apparently Jewel Autobody is pissed at them already.

410
00:31:48.799 --> 00:31:51.759
But if we say to them,
we're trying to help. We're trying

411
00:31:51.799 --> 00:31:55.160
to help everyone out here because we're
getting this complaint a lot and we're just

412
00:31:55.240 --> 00:31:59.799
trying to figure out what's going to
Yeah, the Jewel Autobodies about three blocks

413
00:31:59.799 --> 00:32:02.519
away from where I live. I'll
go all there on my way home and

414
00:32:02.680 --> 00:32:07.240
talk to them in person and find
out what's going on. Yeah, I

415
00:32:07.359 --> 00:32:10.400
pass it every single day, you
know. I mean, here's the deal

416
00:32:10.480 --> 00:32:15.559
man. Just what what what I'm
saying is we're gonna go in a friendly

417
00:32:15.640 --> 00:32:19.279
way and say, look, you
know this Dodge truck. What what color

418
00:32:19.319 --> 00:32:21.799
is your truck? Doc will look
for it and see if they're working on

419
00:32:21.839 --> 00:32:25.759
it. What color is the black
copper on it? I'll talk to George.

420
00:32:28.599 --> 00:32:30.799
Talk to George off the area,
you know. Listen, man,

421
00:32:31.039 --> 00:32:35.920
We'll do what we can to figure
out what's going on. But I I

422
00:32:36.119 --> 00:32:39.359
just want to warn you and everyone
if you have a car that can be

423
00:32:39.480 --> 00:32:45.839
driven, what I recommend when it
comes to autobody is go and get your

424
00:32:46.000 --> 00:32:53.400
estimate and then have people do the
uh, have people order the parts and

425
00:32:53.519 --> 00:32:58.119
then come back. Now, Now
do I did I take this break or

426
00:32:58.160 --> 00:33:07.359
not? Man? I am really
hurt and hold on. Go with a

427
00:33:07.440 --> 00:33:10.759
sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent

428
00:33:12.000 --> 00:33:19.440
until you're content. Please time for
an insurance check up free no obligation comparison

429
00:33:19.640 --> 00:33:23.680
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

430
00:33:23.759 --> 00:33:27.799
now three oh three seven to seven
to one help. You'll think you're his

431
00:33:28.000 --> 00:33:30.920
only customer when you choose Frank durand
the real estate Man dot com to list

432
00:33:31.000 --> 00:33:42.240
your home with Remax Alliance three oh
three nine two zero sixteen twenty two d

433
00:33:44.359 --> 00:33:52.799
News. You need it so you
don't have run anxious stats. Can Shooter's

434
00:33:52.880 --> 00:34:00.960
gonna help coming? Man, This
is the Troubleshooter Show. Now Tom Martino,

435
00:34:00.519 --> 00:34:04.759
Hi, Tom Martino here, Welcome
to the show three oh three seven

436
00:34:04.799 --> 00:34:07.000
one three Talk three oh three seven
one three A two five five. This

437
00:34:07.159 --> 00:34:09.760
hour brought to you by one Clear
Choice Garage Doors. If you have a

438
00:34:09.800 --> 00:34:14.760
problem with your garage door, call
one clear Choice Doors dot Com. In

439
00:34:15.000 --> 00:34:17.440
fact, if you uh, don't
have a problem, you just need an

440
00:34:17.519 --> 00:34:21.639
inspection you're moving into a home,
they'll do it. They're one of the

441
00:34:21.679 --> 00:34:27.280
few companies fully authorized to do work
for factory authorized warranties and stuff on doors.

442
00:34:27.400 --> 00:34:30.960
They also do openers every part of
the door, every part of the

443
00:34:30.039 --> 00:34:37.320
opener seven to zero, three seven
zero, thirty nine eighty seven one Clear

444
00:34:37.480 --> 00:34:40.880
Choice Doors dot Com now and by
the way, that's twenty four to seven

445
00:34:40.960 --> 00:34:45.239
service for emergencies. So I was
talking to Deputy Doc off the air and

446
00:34:45.280 --> 00:34:50.599
also my YouTube morons if they were
listening, and uh, you know,

447
00:34:51.119 --> 00:34:55.880
it seems like one of our the
biggest problems in our country. Government spending

448
00:34:55.960 --> 00:35:02.039
can be but it's the fraud.
It's fraud, and everyone takes advantage of

449
00:35:02.079 --> 00:35:07.559
the government. Do you know how
many billions went out with fake COVID care

450
00:35:08.519 --> 00:35:14.480
and help, especially the rental programs
and all that. God, the government

451
00:35:14.719 --> 00:35:20.119
was so ripped off during COVID but
here's one going on now, these wellness

452
00:35:20.239 --> 00:35:25.320
checks. So if you're on Medicare
advantage. By the way, anyone on

453
00:35:25.440 --> 00:35:31.559
Medicare can get a yearly free wellness
check. Okay, those on advantage are

454
00:35:31.599 --> 00:35:42.000
being called and this has started all
over the country. But this is amazing

455
00:35:42.119 --> 00:35:47.119
to me. What they did was
and this story I should give credit to

456
00:35:47.199 --> 00:35:52.800
these people. I don't know who
they're with though it's on MSN dot com,

457
00:35:52.000 --> 00:35:58.960
but the story people are Christopher Weaver, Tom McGuinty, Ana Wild Matthews.

458
00:35:59.000 --> 00:36:00.199
I don't know if this matters to
anyone, but I think they should

459
00:36:00.199 --> 00:36:07.280
get credit. Andrew Malika and here's
the point. And then there's a Mark

460
00:36:07.360 --> 00:36:13.079
Mehrimont. They went out and did
this investigation. So okay, these Medicare

461
00:36:13.119 --> 00:36:20.880
advantage people are going out and doing
free wellness checks in people's homes. They

462
00:36:20.960 --> 00:36:28.679
are wellness checks are come along with
Medicare, a yearly wellness check. Now,

463
00:36:29.360 --> 00:36:31.639
because it's the advantage, they decided
we're going to go one further.

464
00:36:31.800 --> 00:36:37.280
We're going to go out to them. So a nurse practitioner or sometimes I

465
00:36:37.360 --> 00:36:43.559
believe that even a nurse drops by
and they do a wellness check. If

466
00:36:44.599 --> 00:36:50.199
a diagnosis is made. And let
me give you an example. For example,

467
00:36:50.400 --> 00:36:52.719
this one case, the woman said, yeah, come on over to

468
00:36:52.800 --> 00:36:59.559
my house. A nurse showed up, checked her over, asked her questions,

469
00:37:00.119 --> 00:37:05.320
and then said, by the way, you have diabetic cataracts. The

470
00:37:05.360 --> 00:37:13.960
woman says, yeah, I've had
them for years. The finding got United

471
00:37:14.079 --> 00:37:19.719
Healthcare Group, who insures this woman
an extra twenty seven hundred dollars a year.

472
00:37:22.119 --> 00:37:24.599
Now that because here, do you
know what capitation costs are? Right?

473
00:37:25.000 --> 00:37:30.639
Doc? You know what that is? Right? Capitation costs What insurers

474
00:37:30.719 --> 00:37:35.039
do? They say to doctors and
healthcare providers, if you have a thousand

475
00:37:35.119 --> 00:37:37.760
I'm going to give very fake numbers. If you have a thousand patients,

476
00:37:38.239 --> 00:37:44.480
we will give you a certain amount
of money per each patient, and you

477
00:37:44.679 --> 00:37:47.360
can spend it all on three patients, or you can spend it on everyone.

478
00:37:47.559 --> 00:37:52.440
In other words, it's called capitation. It's up to the medical provider

479
00:37:52.199 --> 00:37:57.239
to take these thousand patients, and
let's say it's one thousand dollars a year

480
00:37:58.119 --> 00:38:04.559
they get They get this one million
dollars a year for all of their patients,

481
00:38:05.119 --> 00:38:07.760
and if they keep them well,
they get to keep a lot of

482
00:38:07.840 --> 00:38:09.840
that million bucks. If they have
to spend in the eighties. Tom,

483
00:38:10.320 --> 00:38:15.400
Yeah, it's still going on.
But here's the problem with cap costs.

484
00:38:15.920 --> 00:38:19.519
So now if that person is diagnosed
with something, you get more than a

485
00:38:19.599 --> 00:38:24.760
thousand, You might get another thousand
whatever. So it behooves them to find

486
00:38:25.480 --> 00:38:32.480
diagnoses on people. But when you
find a diagnosis on someone, you don't

487
00:38:32.559 --> 00:38:37.559
necessarily even have to treat it,
and you still get extra money for having

488
00:38:37.639 --> 00:38:44.639
them in your corral. So they're
going out now and they are finding people

489
00:38:44.840 --> 00:38:52.400
as many as they can with problems
and then upping their capitation costs they get

490
00:38:52.480 --> 00:38:58.000
every month or every year for these
patients, even if they're not treating those

491
00:38:58.079 --> 00:39:02.519
conditions, because some payas have had
those conditions but they weren't diagnosed under this

492
00:39:02.719 --> 00:39:07.960
plan, so they never had them
treated and they don't care to have them

493
00:39:07.000 --> 00:39:13.639
treated, but still diagnosed and still
being paid. The insurers are still being

494
00:39:13.719 --> 00:39:19.840
paid for the risk as a result. As a result, they have found

495
00:39:20.559 --> 00:39:27.519
fifty billion dollars paid out last year
for conditions diagnosed and not treated. Holy

496
00:39:27.679 --> 00:39:31.519
crap. See, if we got
all the waste and the cheaters out of

497
00:39:31.599 --> 00:39:37.320
our systems in government, we wouldn't
have such a terrible tax burden. I

498
00:39:37.400 --> 00:39:40.239
want to go to Karen. Now
she has a problem with an employment program.

499
00:39:40.320 --> 00:39:43.639
I'm not sure what this is,
Carol, what is it? Tell

500
00:39:43.719 --> 00:39:50.920
us about it? Him hia A
m l I. I believe started last

501
00:39:51.039 --> 00:39:54.719
year. And obviously they it's in
an acronym for family, right, I

502
00:39:54.800 --> 00:40:00.920
mean f A MLI. Yes,
I'm not sure that what it stands for.

503
00:40:00.079 --> 00:40:07.239
But it is different than FMLA.
And what does family provide? Will

504
00:40:07.280 --> 00:40:12.719
they basically pay you seventy percent of
your salary while you're on medical leave for

505
00:40:12.880 --> 00:40:16.800
up to twelve weeks a year in
Colorado? Is it part of the government.

506
00:40:19.239 --> 00:40:22.039
It is through the state of Colorado. It's called family Okay, And

507
00:40:22.159 --> 00:40:27.360
so tell me about what's going on
with it. So I found out that

508
00:40:27.440 --> 00:40:30.880
I had to have a pretty major
surgery, and from my HR department found

509
00:40:30.880 --> 00:40:37.360
out that I was not eligible for
FMLA because we did not have more than

510
00:40:37.400 --> 00:40:40.039
fifty employees. Right, that's right, you have to It's only for large

511
00:40:40.119 --> 00:40:45.360
employers that you get family leave,
yes, and so, but I do

512
00:40:45.679 --> 00:40:51.559
She did let me know I qualified
for family So I applied and was approved,

513
00:40:52.000 --> 00:40:55.599
went ahead and had my surgery June
seventeenth, and then June twenty eighth,

514
00:40:55.679 --> 00:41:01.400
I got a text message from human
resources that my position had been eliminated,

515
00:41:02.400 --> 00:41:07.880
which was a shock. It's two
weeks out from the surgery. Wait

516
00:41:07.920 --> 00:41:10.079
a minute, so this is not
this has nothing to do with family.

517
00:41:10.519 --> 00:41:15.480
It's just that your job was eliminated. Well, I did call family and

518
00:41:15.559 --> 00:41:20.679
they said that it is viewed as
a form of retaliation, so I would

519
00:41:20.719 --> 00:41:23.480
have to just you know, do
a major Sara. So what was your

520
00:41:23.519 --> 00:41:29.039
condition? If you don't mind saying
I had a pelvic surgery? A history?

521
00:41:29.079 --> 00:41:30.400
Okay, yeah, now now well
here's what I want to know.

522
00:41:30.760 --> 00:41:35.360
This pelvic surgery. It's not a
permanent thing. Could it be considered a

523
00:41:35.440 --> 00:41:39.599
disability? No, it's actually going
to improve my quality of life. Okay.

524
00:41:40.039 --> 00:41:44.199
And when you announced you had to
go out for surgery, how long

525
00:41:44.400 --> 00:41:50.280
after that did they eliminate your position. I think I let them know in

526
00:41:50.800 --> 00:41:53.639
May, about a month ahead of
time, and about a month later it

527
00:41:53.760 --> 00:41:58.800
was eliminated. They did move a
part time pay in January, so this

528
00:41:58.960 --> 00:42:02.079
is about six months after they moved
me to part time pay. Okay,

529
00:42:02.239 --> 00:42:06.599
so they were kind of moving toward
that direction. Maybe they could make that

530
00:42:06.760 --> 00:42:10.559
argument that it had nothing to do
with your condition. Yeah, and they

531
00:42:10.599 --> 00:42:15.840
said that it wasn't performance based.
Okay, So then what happened? So

532
00:42:16.199 --> 00:42:21.880
I get it, I get it. So so you you went, yeah,

533
00:42:21.960 --> 00:42:24.360
okay, this is this sounds like
a coincidence, but keep going.

534
00:42:24.400 --> 00:42:30.199
What happened then? So then they
offered me a kind of a low ball

535
00:42:30.320 --> 00:42:34.320
severance offer of just one month of
part time pay. And I've been there

536
00:42:34.440 --> 00:42:37.519
for four years and I just want
to know, like, what is a

537
00:42:37.639 --> 00:42:45.239
fair severance offer? And is it
legal to lay somebody off while they're on

538
00:42:45.360 --> 00:42:51.440
medical leaves in the state of Colorado? You know, here's the general answer.

539
00:42:51.599 --> 00:42:53.159
First of all, I can't tell
you what's legal because I don't know

540
00:42:53.199 --> 00:42:57.280
of any laws on that, and
I'm going to have somebody look that up.

541
00:42:57.559 --> 00:43:02.679
We don't have an active employment attorney
right now that really, unfortunately represents

542
00:43:02.760 --> 00:43:09.440
employees. All of the employment attorneys
we know represent employers because employees don't have

543
00:43:09.719 --> 00:43:15.119
money. It's a terrible situation employment
law for the employee. But the short

544
00:43:15.199 --> 00:43:22.079
answer is, I know people,
they can't fire you, no, but

545
00:43:22.360 --> 00:43:25.920
they can eliminate your position. Do
you see that tricky thing there? Okay,

546
00:43:27.679 --> 00:43:32.159
you see now you know who we
should call Kaschina? We should try

547
00:43:32.239 --> 00:43:38.119
to call somebody who does workers comp
just because they would know about this.

548
00:43:39.119 --> 00:43:44.480
And you know cliff Enton Enton Law, he does workers comp. We might

549
00:43:44.559 --> 00:43:49.519
want to try him. Uh,
who else does workers comp? On our

550
00:43:49.599 --> 00:43:53.119
referral list? Let's try Cliff Enton
to see if he's around. And I

551
00:43:53.239 --> 00:43:58.719
do have to sign this severans letter
by tomorrow or I well, are they

552
00:43:58.840 --> 00:44:00.920
asking you to waive anything in that
letter? What are they saying? They

553
00:44:01.000 --> 00:44:07.239
do want me to sign an NDA? And then okay, but are they

554
00:44:07.400 --> 00:44:13.280
asking you in this severance package that
you won't sue them for anything? I

555
00:44:13.360 --> 00:44:17.280
believe, so I'll have to go
back and read it again. But the

556
00:44:17.400 --> 00:44:22.000
other thing that I'm thinking about is
when they merged with this other company back

557
00:44:22.039 --> 00:44:25.000
in twenty twenty two, I lost
around two thousand dollars worth of sick time

558
00:44:25.079 --> 00:44:30.199
and that's always kind of stuck in
my craw as not being right. Okay,

559
00:44:30.519 --> 00:44:37.239
So so before you got your surgery
they eliminated your position or after after

560
00:44:37.719 --> 00:44:42.760
two weeks after the surgery, Okay, Okay, hold on, and we're

561
00:44:42.800 --> 00:44:45.159
going to try to get an attorney
on I'm going to take other calls for

562
00:44:45.280 --> 00:44:50.639
you. Yes, sir A stands
for Family and Medical Leave Insurance Program,

563
00:44:51.559 --> 00:44:55.480
Family and Medical Leave Insurance Program.
Okay, thank you, doc. I

564
00:44:55.599 --> 00:45:01.039
wonder if somebody see she technically wasn't
fired. They eliminated her position. But

565
00:45:01.320 --> 00:45:05.360
the the the case they're going to
have is they were going to do it

566
00:45:05.440 --> 00:45:08.519
anyway, and they're going to show
us evidence that they reduced her to part

567
00:45:08.679 --> 00:45:15.840
time. And geez, I mean, what would you tell me this,

568
00:45:15.039 --> 00:45:20.960
Kara, If they truly eliminated the
position, how could you say it was

569
00:45:21.039 --> 00:45:22.679
because of your surgery? I mean, in other words, they didn't hire

570
00:45:22.760 --> 00:45:29.159
someone else. It's not that I
know of no, so then that argument

571
00:45:29.239 --> 00:45:34.719
would be pretty strong. How much
is the total severance package? How much

572
00:45:34.800 --> 00:45:40.519
in dollars? Thirty three dollars?
Otherwise, okay, and you've been there

573
00:45:40.559 --> 00:45:45.760
how long? Four years? I
want to be honest with you. In

574
00:45:45.800 --> 00:45:49.880
the employment world, four years is
usually doesn't get any severance. I mean,

575
00:45:50.159 --> 00:45:54.199
that's a very short time to be
with someone, you know. I

576
00:45:54.280 --> 00:45:59.360
mean, whatever they offer you is
kind of gratus. It's not they're not

577
00:45:59.480 --> 00:46:04.239
obligated to do it. I think
they just want to dispense of any kind

578
00:46:04.280 --> 00:46:07.079
of hassle you might give them.
I don't know, but we're gonna we're

579
00:46:07.079 --> 00:46:10.400
gonna talk to an attorney maybe and
get some comments on this. I'm Tom

580
00:46:10.440 --> 00:46:21.039
Martino three oh three seven one three
a two five five. Go with a

581
00:46:21.159 --> 00:46:24.440
sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent

582
00:46:24.679 --> 00:46:32.159
until you're content. Time for an
insurance check up free, no obligation comparison

583
00:46:32.320 --> 00:46:37.400
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

584
00:46:37.440 --> 00:46:40.519
now three oh three seven to seven
to one help. You'll think you're his

585
00:46:40.719 --> 00:46:45.639
only customer when you choose Frank durand
the real estate Man dot com to list

586
00:46:45.719 --> 00:46:50.119
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

587
00:46:54.719 --> 00:47:00.119
Hey Tom Martino here three oh three
seven one three talk seven one three a

588
00:47:00.280 --> 00:47:05.800
two five five. So Cliff Enton
is an attorney at law that does personal

589
00:47:05.880 --> 00:47:10.480
injury. He also does workers' compensation, so he may not handle cases exactly

590
00:47:10.639 --> 00:47:14.360
like this, but I'm sure he
knows about him and that's why I wanted

591
00:47:14.360 --> 00:47:16.239
to ask him. High Cliff,
how are you been doing? Hey Tom,

592
00:47:16.280 --> 00:47:20.239
how are you good? Long time, no talk, but we get

593
00:47:20.280 --> 00:47:22.119
good reports about you, so I'm
happy to have you on board. I

594
00:47:22.199 --> 00:47:25.920
wanted to ask you. There's a
Family Act. It's kind of like the

595
00:47:27.000 --> 00:47:30.599
Family Leave Act, but it's different. It's for people for smaller employers.

596
00:47:30.880 --> 00:47:36.920
And this woman, Karen, went
on this benefit and it's provided in the

597
00:47:36.960 --> 00:47:40.480
state of Colorado for people that fall
through the cracks. So she wasn't covered

598
00:47:40.519 --> 00:47:45.119
by the Family Leave Act. She
had to have surgery, and she said

599
00:47:45.639 --> 00:47:50.480
a couple weeks after her surgery or
a week after whatever, they eliminated her

600
00:47:50.559 --> 00:47:59.039
position. So she her first question
was, are people allowed to eliminate your

601
00:47:59.079 --> 00:48:04.559
position when you're on a benefit,
Like, let's take workers comps. Since

602
00:48:04.599 --> 00:48:08.280
that your expertise, If someone's on
workers comp can they eliminate someone's position?

603
00:48:12.079 --> 00:48:16.280
They can, as long as it's
not what's called retaliatory discharge. Then how

604
00:48:16.280 --> 00:48:22.920
do you know, Well, it
becomes a question of fact. You don't

605
00:48:22.960 --> 00:48:24.639
know, because they're never going to
say, oh, yeah, we're firing

606
00:48:24.719 --> 00:48:28.320
you because you were on war comp
or we're letting you go because you're a

607
00:48:28.400 --> 00:48:32.360
war comp. It's it can.
You would have to prove and Cara,

608
00:48:32.800 --> 00:48:38.559
but Cliff, it seems to me
though that if the entire position is eliminated

609
00:48:38.679 --> 00:48:44.199
and they don't rehire someone, they
would have the employer would have a strong

610
00:48:44.360 --> 00:48:52.639
case, right, yes, stronger? Okay, what about what about family

611
00:48:52.800 --> 00:48:58.360
leave and other benefits? Do you
think the retaliatory provisions still? Kara was

612
00:48:58.440 --> 00:49:01.440
told? I guess, Kara,
did the state program tell you that if

613
00:49:01.480 --> 00:49:07.039
it was retaliatory it would be a
problem. I did call and they said

614
00:49:07.039 --> 00:49:12.880
they would continue my payments for family
regardless if I lost my job or not,

615
00:49:13.480 --> 00:49:15.599
and that it was viewed as a
form of retaliation. But I have

616
00:49:15.760 --> 00:49:21.119
to actually submit a complaint and it
takes a long time for them to review

617
00:49:21.199 --> 00:49:23.880
it. I mean, you certainly
could do that. You don't lose anything

618
00:49:24.039 --> 00:49:29.360
by doing it. You know,
I can tell you that their lawyers is

619
00:49:29.480 --> 00:49:35.599
specialize an employment law comes to be
able to give give you a reference to

620
00:49:35.679 --> 00:49:40.320
one of those, But you know, it's it's hard, yeah, and

621
00:49:40.480 --> 00:49:46.760
Cliff. Employment attorneys for employees right
now are few and far between because they

622
00:49:46.880 --> 00:49:52.400
mostly work for employers. Because they're
the employees who are out of work,

623
00:49:52.960 --> 00:49:57.320
they don't have money, and unless
it's a really good case that they can

624
00:49:57.400 --> 00:50:00.760
take on contingency with a lot of
damages, it's hard to get an attorney.

625
00:50:01.880 --> 00:50:07.199
But but I guess what you're saying
is they can't fire you, but

626
00:50:07.320 --> 00:50:12.280
you have to prove if it's if
it's because of the leave, but you

627
00:50:12.440 --> 00:50:15.320
have to prove it it's the burden
is on you, right, And then

628
00:50:15.360 --> 00:50:19.760
I'm not even sure what your measure
of damages would be if you do prove

629
00:50:19.800 --> 00:50:23.920
it. Maybe back wages, back
back wages you know you may be able

630
00:50:23.960 --> 00:50:30.000
to get. You can allege obviously
if there's any discrimination, violation of of

631
00:50:30.639 --> 00:50:36.920
of rules and acts. I mean, I know that when we settle a

632
00:50:36.960 --> 00:50:40.280
work comp case, a lot of
times the employer will want, uh,

633
00:50:42.679 --> 00:50:45.960
what are called employment waivers because they
want to make sure that if they're giving

634
00:50:46.000 --> 00:50:50.719
you money for a work comp case
in the settlement that then hey, you're

635
00:50:50.760 --> 00:50:54.719
not going to come back and zoom
for wrongful discharge, for discrimination, right

636
00:50:54.920 --> 00:51:00.320
discrimination, set whatever. So it
is pretty common. Now, what about

637
00:51:01.320 --> 00:51:07.760
in general, like, when you
have workers' comp cases? Do you often

638
00:51:07.039 --> 00:51:13.760
not often, but do you have
people fired or positions eliminated? Uh,

639
00:51:14.039 --> 00:51:17.239
you'd be surprised the number of times
that occurs to yes, And have you

640
00:51:17.360 --> 00:51:27.320
ever successfully proved retaliation? Sure?
Yeah, because sometimes it would seem pretty

641
00:51:28.199 --> 00:51:31.119
hard to prove. But in other
times, if they say they eliminated it

642
00:51:31.280 --> 00:51:37.039
and then a month later they hire
someone else. Yeah, but in work

643
00:51:37.119 --> 00:51:45.840
comp, if they've eliminated if you're
not at fault in call and in causing

644
00:51:45.920 --> 00:51:49.960
determination like you know, you cursed
out your boss, you play whatever,

645
00:51:50.519 --> 00:51:53.679
something like that, then even if
they eliminate your position or let you go,

646
00:51:53.920 --> 00:51:59.280
then you're entitled to what's called temporary
total disability from work comp. It's

647
00:51:59.440 --> 00:52:02.000
way easy to deal with that in
a work comp context than it is probably

648
00:52:02.000 --> 00:52:07.760
in an FMLA context. Okay,
I get it. Well, thank you

649
00:52:07.920 --> 00:52:09.840
very much, Cliff. We appreciate
it. That's end in law by the

650
00:52:09.880 --> 00:52:15.360
way, Workers comp and Personal Injury
three O three three three three two two

651
00:52:16.280 --> 00:52:20.880
two two. That's nin e N
T E N n in law dot com.

652
00:52:20.960 --> 00:52:29.760
We appreciate it. We have more. Come and read up. Go

653
00:52:29.920 --> 00:52:34.159
with a sure thing Denver's Best roofer
Excel roofing dot com. You don't pay

654
00:52:34.199 --> 00:52:39.960
a cent until you're content. Time
for an insurance check up free, no

655
00:52:40.079 --> 00:52:45.960
obligation. In comparison, call compass
insurance paying too much your coverage at dozens

656
00:52:45.000 --> 00:52:49.639
of insurance companies find out now three
oh three seven seven to one help.

657
00:52:49.840 --> 00:52:52.599
You'll think you're his only customer when
you choose Frank durand the real estate man

658
00:52:52.679 --> 00:52:58.119
dot Com to list your home with
Remax Alliance three oh three nine two zero

659
00:52:58.280 --> 00:53:05.320
sixteen twenty two. Hi Tom Martine, you're a troubleshooter, So Stacy,

660
00:53:06.599 --> 00:53:09.280
I brought up your call here.
You called a few weeks ago about a

661
00:53:09.360 --> 00:53:15.639
divorce. Am I reading my notes
correctly? Stacy? Your husband filed for

662
00:53:15.760 --> 00:53:21.039
divorce on Christmas? Yes? Literally? Was he trying to be funny?

663
00:53:21.159 --> 00:53:24.239
Or what I mean? Did you
were served on Christmas? Yes, sir

664
00:53:25.079 --> 00:53:30.800
god, and that was last year, in December of twenty twenty three.

665
00:53:31.760 --> 00:53:37.000
Were you guys having problems or were
you okay? So you kind of knew

666
00:53:37.079 --> 00:53:42.000
something. We oh, well that's
a problem, isn't it. It's a

667
00:53:42.079 --> 00:53:45.079
problem for him for sure. But
hey, Tom, maybe he's Jewish and

668
00:53:45.199 --> 00:53:50.639
he served her after Honukkah. Yeah, we never know. Hey, Stacy,

669
00:53:51.079 --> 00:53:53.119
he cheated on you. You guys
were having trouble, and I'm sorry

670
00:53:53.159 --> 00:53:55.719
about this. I don't want to
make light of it. He served you

671
00:53:55.800 --> 00:54:00.719
with divorce. You hired divorce matters, remember the call. You paid a

672
00:54:00.800 --> 00:54:08.559
two thousand dollars retainer and what basically
was your what was your problem? That

673
00:54:08.719 --> 00:54:12.920
we uh, because I don't have
any notes here that we assigned it to

674
00:54:13.000 --> 00:54:17.679
anyone. Okay, So I had
been at the house on June twenty ninth.

675
00:54:19.639 --> 00:54:23.840
Well, we went to mediation on
July tenth. Okay, we did

676
00:54:23.920 --> 00:54:29.320
divorce matters, assign an attorney to
you. Yes, And she walked out,

677
00:54:29.599 --> 00:54:32.039
just walk basically walked out. You
asked me to call the Colorado Bar

678
00:54:32.239 --> 00:54:35.400
I did. I found Oh wait
a minute, Wait a minute, wait

679
00:54:35.440 --> 00:54:38.480
a minute. So when you said
mediation, you're not talking about your divorce

680
00:54:38.960 --> 00:54:45.119
you. I told you to call
the Now I remember the Fee Dispute Committee,

681
00:54:45.400 --> 00:54:49.679
because you thought you paid two grand
and you didn't get anything. I

682
00:54:49.840 --> 00:54:52.920
did, and I called. I
called them, and right now she is

683
00:54:53.159 --> 00:54:59.760
in major trouble because I called the
Colorado dis bar and I spoke spoke to

684
00:55:00.039 --> 00:55:05.480
on one and then I called the
Supreme Court Grievance Committee. Right, yes,

685
00:55:05.599 --> 00:55:07.360
we're over They call it oversight.
Now I think, yeah, yes,

686
00:55:08.039 --> 00:55:13.239
Miss Rosette said that she was supposed
to give me money back. So

687
00:55:13.400 --> 00:55:21.760
she's now being investigated because what she
did was she she basically my attorney put

688
00:55:21.840 --> 00:55:27.719
me, uh scheduled the mediation,
charged me for it and did and there's

689
00:55:27.760 --> 00:55:30.719
dropped the case on that day.
But let me let me get this straight.

690
00:55:30.800 --> 00:55:37.360
When your husband filed for divorce,
did you did he agree to go

691
00:55:37.480 --> 00:55:42.320
to mediation? Did you hire divorce
Matters to represent you? Or did you

692
00:55:42.519 --> 00:55:47.800
hire divorce Matters to do a mediation? I hired them to represent me because

693
00:55:47.840 --> 00:55:52.440
the judge told me that, you
know, try to get an attorney,

694
00:55:52.519 --> 00:55:55.480
and I said, okay, I
got it. So why were you upset?

695
00:55:55.559 --> 00:55:59.639
If you pay them a two thousand
dollars retainer, that's not a lot

696
00:55:59.679 --> 00:56:05.159
of money for a divorce retainer.
Why did that upset you? Because she

697
00:56:05.599 --> 00:56:10.400
never did anything herself personally, only
seen her one time, and she had

698
00:56:10.480 --> 00:56:15.559
her pair of legal through the sworn
affidavit and financial disclosure, and that's all

699
00:56:15.639 --> 00:56:20.559
they did. I never seen her. I never talked to her anymore,

700
00:56:21.639 --> 00:56:24.960
no kind of communication. And you
felt so how much did you feel that

701
00:56:25.079 --> 00:56:30.880
you should have been charged just for
the pair of legal part because she didn't

702
00:56:30.920 --> 00:56:36.599
represent me in anything. What she
did was make it worse. She made

703
00:56:36.639 --> 00:56:39.440
me go out through two and three
in the morning to show that he was

704
00:56:39.480 --> 00:56:44.039
still living in the house. I
guess she spoke to the opposing attorney and

705
00:56:44.199 --> 00:56:49.199
it kind of put her in a
situation where she felt it was too challenging

706
00:56:49.360 --> 00:56:52.400
for her, so she had Well
wait a minute, so you went,

707
00:56:52.639 --> 00:56:59.320
you literally went to arbitration at the
bar. Yes, I did. And

708
00:56:59.440 --> 00:57:05.239
what happened? And what did is
she? She walked out? She walked

709
00:57:05.400 --> 00:57:09.320
out. She sent an email to
me and says she no longer is taking

710
00:57:09.400 --> 00:57:14.280
my case. Well, but you
knew that, that's why you wanted a

711
00:57:14.360 --> 00:57:17.199
refund. Well no, I didn't
know that. I wanted to refund after

712
00:57:17.239 --> 00:57:21.039
I found that out. I didn't
know she was going to do that.

713
00:57:21.599 --> 00:57:24.119
The last thing that Wait, anute, why did she walk out? I'm

714
00:57:24.199 --> 00:57:29.840
confused? Why did she walk out? She couldn't handle the opposing attorneys?

715
00:57:30.039 --> 00:57:35.119
Okay, I'm looking at the team
here. Which one is it on divorce

716
00:57:35.280 --> 00:57:40.800
matters? It's Catherine Kendrick. Okay, I'm looking to see if she's still

717
00:57:40.840 --> 00:57:44.960
here. Oh yeah, I see
her, Catherine Kendrick. Okay, So

718
00:57:45.280 --> 00:57:52.159
she walked out? Was there?
Did the arbitrator make a decision she could

719
00:57:52.239 --> 00:57:59.079
just walk out? No? No, the arbitrator. No, you were

720
00:57:59.119 --> 00:58:02.079
in arbitration. And when she walked
out, what did the arbitrator say?

721
00:58:02.880 --> 00:58:07.320
You mean the mediator? Okay,
I'm sorry. The mediator. Yes,

722
00:58:07.599 --> 00:58:10.760
yes, she we didn't come to
no agreement at all. Okay, it

723
00:58:10.920 --> 00:58:15.119
was it was just like we knew
we weren't going to come to an agreement

724
00:58:15.199 --> 00:58:19.599
because he on June twenty ninth.
I don't think you knew that he gave

725
00:58:19.679 --> 00:58:22.480
me two black eyes. No,
no, wait a minute, dear,

726
00:58:22.920 --> 00:58:29.480
I'm Stacy. Just help me out. When I talk about mediation, did

727
00:58:29.599 --> 00:58:34.519
you go to mediation with the attorney
to get your money back with the bar

728
00:58:34.679 --> 00:58:38.360
association, I'm not talking about there's
two mediations going on. Or I didn't

729
00:58:38.400 --> 00:58:42.679
do that. I'm sorry, No, sir, No, I didn't do

730
00:58:42.840 --> 00:58:46.239
that. I'm in the midst of
that now. Okay. So the mediation

731
00:58:46.480 --> 00:58:54.320
you're talking about is the divorce mediation
where your attorney walked out exactly. That

732
00:58:54.559 --> 00:59:01.519
is unheard of. I mean wait, wait, you went to mediation with

733
00:59:01.760 --> 00:59:07.519
your husband, with your husband and
his attorney, and your attorney walked out.

734
00:59:07.519 --> 00:59:14.360
Yes, why, she says she
couldn't handle the opposing attorney's attitude.

735
00:59:14.880 --> 00:59:21.960
She was too bullying and challenging.
What okay, when you went to mediation,

736
00:59:22.400 --> 00:59:28.239
who was you had? You and
your attorney and your husband and her

737
00:59:28.320 --> 00:59:32.760
attorney, right and his attorney yes, we're the four of you in a

738
00:59:32.880 --> 00:59:37.400
room together, yes, including our
mediator. Well, we weren't in a

739
00:59:37.480 --> 00:59:44.920
room. We were on zoom because
we had and who who was the mediator?

740
00:59:45.960 --> 00:59:51.920
Glenna Baker. Okay, So where
does it stand right now that mediation

741
00:59:52.159 --> 00:59:57.159
broke down, Well, we couldn't
mediate our hearing is in until the twenty

742
00:59:57.239 --> 01:00:02.159
fourth of February of twenty twenty five. Did you hire another attorney? No,

743
01:00:04.199 --> 01:00:07.440
because I ended up on the street
because I ended up getting put out

744
01:00:07.480 --> 01:00:14.880
of the house. Pros on both
of us on Wednesday. On Wednesday because

745
01:00:14.920 --> 01:00:19.960
the judge he had a personality,
a mad personality before he came in because

746
01:00:19.960 --> 01:00:22.199
it was getting moved to a different
division. So he just stepped pros on

747
01:00:22.280 --> 01:00:28.320
both of us. And we both
had federal jobs. And my ex husband

748
01:00:28.360 --> 01:00:30.960
will soon to be a start,
was trying to get me. His attorney

749
01:00:30.039 --> 01:00:34.079
wasn't saying anything, so he ended
up with a pro I ended up with

750
01:00:34.159 --> 01:00:37.960
a prro for nothing. So I'm
going through an RFE right now and going

751
01:00:38.320 --> 01:00:42.760
to do some other stuff to try
to get and appeal this because this is

752
01:00:42.840 --> 01:00:47.360
a nightmare. This is a nightmare, Stacy, it is. You need

753
01:00:47.480 --> 01:00:52.519
an attorney, though, Stacy,
you really need to find an attorney to

754
01:00:52.599 --> 01:00:57.119
help you through the divorce. Yes, And you know what I've been looking

755
01:00:57.199 --> 01:01:00.360
form. I just really got to
put myself, set myself in the position

756
01:01:00.440 --> 01:01:04.320
where I have somewhere to live.
I've looked at us. Are you literally

757
01:01:04.440 --> 01:01:07.440
on the street? Are you literally
on the street right now? Pretty much?

758
01:01:08.159 --> 01:01:14.760
Pretty much? Hotels? Father?
Well, but hold on, why

759
01:01:14.840 --> 01:01:17.239
were you kicked out of the house. I don't understand that part. I

760
01:01:17.679 --> 01:01:22.599
don't know why I was kicked out
of the house. He he his attorney,

761
01:01:22.679 --> 01:01:24.679
He had his attorney, and his
attorney thought he wasn't going to get

762
01:01:24.760 --> 01:01:29.920
anything. And the next thing you
know, the judge he starts yelling in

763
01:01:30.000 --> 01:01:34.760
the courtroom and we're looking crazy.
He apologizes to us on the sixteenth that

764
01:01:35.000 --> 01:01:37.400
morning, and I'm like, I
don't know what to do. I by

765
01:01:37.519 --> 01:01:44.880
myself, and so he just drops
two pros both of us, I mean,

766
01:01:45.039 --> 01:01:46.880
just like that, and says,
I'm sorry, ye, jac I'm

767
01:01:46.880 --> 01:01:52.119
gonna be honest with you here.
I mean, this is way too,

768
01:01:52.519 --> 01:01:55.719
way too complicated. Really, I
mean, you need an attorney who can

769
01:01:55.800 --> 01:01:59.519
represent you. I mean, honest
to God, you need someone to help

770
01:01:59.559 --> 01:02:01.760
you. Because, first of all, I don't. I can't believe that

771
01:02:01.920 --> 01:02:07.119
divorce matters. Yes, that her
attorney would simply walk out because she felt

772
01:02:07.280 --> 01:02:12.079
challenged by the other attorney and it
was on a zoom call, and and

773
01:02:12.559 --> 01:02:17.360
that the mediator did not I mean, I'm sean. So did your attorney

774
01:02:17.480 --> 01:02:21.920
actually quit then? Right after that, yes, she did. She sent

775
01:02:22.000 --> 01:02:27.679
me an email and the motion and
said that she no longer can be the

776
01:02:28.079 --> 01:02:32.199
attorney for my case because of the
challenging and bullying of the other opposing attorney.

777
01:02:32.880 --> 01:02:37.800
That's what she said, because of
the challenging and bullying the other attorney,

778
01:02:38.440 --> 01:02:43.559
and they simply dropped you. And
you put in a complaint. I

779
01:02:43.719 --> 01:02:46.280
hope you put in a complaint with
the bar Association. Yes, I had.

780
01:02:46.480 --> 01:02:50.199
And where does that stand? Right
now? Where does that stand?

781
01:02:51.800 --> 01:02:58.840
Rachel Winters? She has another last
thing too. She's the investigator, Missus

782
01:02:58.960 --> 01:03:01.719
Rosette, of this Preme Court bar, like you said, m the grievance

783
01:03:01.760 --> 01:03:07.039
committee or the oversight committee. Yes, she said, that is not how

784
01:03:07.119 --> 01:03:09.519
we do things in Colorado. No, it's not. You know what,

785
01:03:10.199 --> 01:03:15.599
Listen, you got to stay the
course there because that attorney should be censured

786
01:03:15.679 --> 01:03:20.559
if everything you say is true on
this and did you contact any I don't

787
01:03:20.599 --> 01:03:23.960
know who the who the lead attorney
is over at Divorce Matters. I mean,

788
01:03:24.039 --> 01:03:30.079
I imagine they have a founding partner
possibly, did you did you talk

789
01:03:30.159 --> 01:03:37.159
to anyone there above her? Yes? I did, and they're still refusing.

790
01:03:37.679 --> 01:03:43.679
And then my friend David Blake,
he went there, crutches and everything,

791
01:03:44.199 --> 01:03:45.679
just to talk to him. Nothing, and they called, is it

792
01:03:45.760 --> 01:03:51.599
true? Okay the founding partner?
Hold on, there's a managing attorney and

793
01:03:51.679 --> 01:03:55.599
there's a founding partner. Did you
talk to Douglas Thomas. Nope. I

794
01:03:55.679 --> 01:04:00.480
didn't get to talk to him.
I just got to talk to a person

795
01:04:00.719 --> 01:04:05.960
under him, Emily, And they
said yes, and wait, are you

796
01:04:06.079 --> 01:04:11.159
sure it's Emily Annell? Did you
talk to the yesh? Yes, I

797
01:04:11.239 --> 01:04:14.320
smoked her. I have her on
my email in your And what did Emily

798
01:04:14.400 --> 01:04:19.159
say to you at Divorce Matters?
She says she has to go with what

799
01:04:19.840 --> 01:04:24.000
was discussed. They discussed it in
their own little group, I guess,

800
01:04:24.679 --> 01:04:27.679
and that there's nothing she could do
about it. Well, no, listen,

801
01:04:27.840 --> 01:04:31.280
I want to make something clear.
There's nothing really wrong with Well,

802
01:04:31.360 --> 01:04:36.000
I shouldn't say that this attorney could
feel bullied and abused and not want to

803
01:04:36.079 --> 01:04:41.679
deal with that other attorney. But
they but in my opinion that what they

804
01:04:41.800 --> 01:04:48.400
should do is assign another attorney or
give your money back exactly. And that's

805
01:04:48.440 --> 01:04:53.639
what missus Rosette said. But they're
refusing, and well then you got to

806
01:04:53.760 --> 01:04:56.840
continue. I don't know what to
tell you. Got to continue the course

807
01:04:56.920 --> 01:05:00.039
here. Meanwhile, I'll see if
I can find someone who can represent you.

808
01:05:00.719 --> 01:05:03.719
We have make sure we have your
number. We have more coming right

809
01:05:03.840 --> 01:05:15.159
up. Go with a sure thing
Denver's Best roofer Excel Roofing dot com.

810
01:05:15.360 --> 01:05:21.119
You don't pay a cent until you're
content. Time for an insurance check up

811
01:05:21.239 --> 01:05:26.559
free, no obligation. In comparison, call Compass Insurance paying too much your

812
01:05:26.639 --> 01:05:30.679
coverage at dozens of insurance companies find
out now three oh three seven to seven

813
01:05:30.800 --> 01:05:33.519
one help. You'll think you're his
only customer when you choose Frank durand the

814
01:05:33.599 --> 01:05:39.119
real estate Man dot com to list
your home with Remax Alliance three oh three

815
01:05:39.199 --> 01:05:47.320
nine two zero sixteen twenty two.
Hey Tom Martine here, three oh three

816
01:05:47.440 --> 01:05:49.920
seven one three talks seven one three
eight two five five. I want to

817
01:05:49.920 --> 01:05:53.960
get to the phones and I want
to talk to Joe. Joe, what

818
01:05:54.119 --> 01:06:01.360
happened with your car accident? You
have them my brother law or information,

819
01:06:02.039 --> 01:06:06.599
and he was in the back seat
because he no longer has a driver's license.

820
01:06:08.360 --> 01:06:10.920
Well, they say I ran the
red line, I went ahead and

821
01:06:11.280 --> 01:06:14.679
Andy see to it. Okay?
Is that all? Or was there any

822
01:06:14.719 --> 01:06:18.119
injury or accident? Yeah? Me
and my wife were both hurt? Oh

823
01:06:18.119 --> 01:06:21.199
wait wait wait, wait when you
when they said you ran the light?

824
01:06:21.360 --> 01:06:28.760
Did someone hit you or did you
hit someone they hit me? And and

825
01:06:29.840 --> 01:06:33.480
did you get a ticket? Yes? Okay? And you and your wife

826
01:06:33.519 --> 01:06:40.480
were both injured? Yes? Okay, So what is your question? Oh,

827
01:06:40.559 --> 01:06:45.280
the insurance haven't He said they weren't
going to cover us? Why beca

828
01:06:45.599 --> 01:06:50.199
because we got a ticket? I
yes, no, you're still covered.

829
01:06:50.280 --> 01:06:54.760
But here's what I want to know. You said your brother. Hold on

830
01:06:55.159 --> 01:06:59.039
this, this is important. Your
brother in law was in the back seat,

831
01:06:59.119 --> 01:07:05.239
right was he? Was he a
licensed driver? No? Then how

832
01:07:05.320 --> 01:07:15.159
can you have car insurance? I
don't know. Inspired his license expired and

833
01:07:15.800 --> 01:07:21.559
his insurance Go with a sure thing
Denver's Best roofer Excel roofing dot com.

834
01:07:21.760 --> 01:07:29.519
You don't pay a cent until you're
content. Time for an insurance checkup,

835
01:07:29.639 --> 01:07:34.000
free, no obligation comparison call Compass
insurance paying too much your coverage at dozens

836
01:07:34.039 --> 01:07:38.679
of insurance companies find out now three
all three seven to seven to one help.

837
01:07:38.880 --> 01:07:42.440
You'll think you're his only customer when
you choose Frank durand the real estate

838
01:07:42.519 --> 01:07:46.199
Man dot com to list your home
with Remax Alliance three three nine two zero

839
01:07:46.320 --> 01:08:04.599
sixteen twenty two new so you don't
have run as as we can, Shooter's

840
01:08:04.679 --> 01:08:12.760
gonna help. Come man, this
is the Troubleshooter Show. No Tom Martino.

841
01:08:14.679 --> 01:08:16.600
Hey, I'm Tom Martino. Welcome
to the show. This hour brought

842
01:08:16.600 --> 01:08:20.880
to you by fix It twenty four
to seven. I've been representing George with

843
01:08:21.079 --> 01:08:28.079
fix It and a company before that
because of his culture on getting things fixed.

844
01:08:28.159 --> 01:08:30.039
That's why they call it. That's
why they call it fixmihome dot com

845
01:08:30.159 --> 01:08:33.960
fix It twenty four to seven.
And by the way, replacement sometimes is

846
01:08:34.119 --> 01:08:39.880
necessary. But before you do a
replacement, free second opinions always. Now

847
01:08:40.159 --> 01:08:43.439
that's really important. So that's for
right now. This time of year would

848
01:08:43.479 --> 01:08:47.000
be more like probably sewer replacement and
air air conditioning as a big one.

849
01:08:47.079 --> 01:08:51.079
Yeah, yeah, so free second
opinions, no strings attached, yes,

850
01:08:51.479 --> 01:08:57.159
absolutely all right then free memberships.
We were giving away a certain number of

851
01:08:57.239 --> 01:08:59.479
memberships. I'm not even gonna give
you the number, and I'll tell you

852
01:08:59.560 --> 01:09:01.199
why. No, No, I'm
serious. I want to fill up these

853
01:09:01.239 --> 01:09:05.279
slots. They're free. That means
there's no obligation, no funny business.

854
01:09:05.359 --> 01:09:14.159
You automatically get a furnace service,
an AC service, your panel, your

855
01:09:14.239 --> 01:09:16.880
power panel service, and your water
heater service. And that's once a year

856
01:09:17.479 --> 01:09:20.840
as part of the membership. And
it's free. If you call seven to

857
01:09:21.039 --> 01:09:24.800
zero five two, six, thirty
nine, thirty nine, tell them Martino

858
01:09:24.880 --> 01:09:27.960
sent you. It's free, no
strings attached. Tell them I'm calling for

859
01:09:28.079 --> 01:09:30.319
my free slot, my membership.
What do they call it, the Green

860
01:09:30.359 --> 01:09:33.479
Bubble Club, the Green Membership Club, Yeah, I call it bubble.

861
01:09:33.560 --> 01:09:38.000
And we're doing this just for Martino
listeners, right, so guys, don't

862
01:09:38.079 --> 01:09:40.800
tell anybody else. This is just
for you, so seriously, and once

863
01:09:40.880 --> 01:09:43.000
we fill it up, that's done. And then we're going to have a

864
01:09:43.039 --> 01:09:45.319
special on the membership you have to
pay for, but right now it's free

865
01:09:45.640 --> 01:09:50.000
until I tell you. Now,
let's talk to this. This car accident

866
01:09:50.199 --> 01:09:55.439
I'm very confused about, but I
have my expert on and feel free to

867
01:09:55.520 --> 01:09:58.199
chime in. Let me put that
white chat. Yeah, you're on,

868
01:09:58.680 --> 01:10:02.800
Hannah, So so jar me.
Joe said he was driving his friend's car.

869
01:10:04.119 --> 01:10:08.279
It was it was his brother in
law and his wife was in the

870
01:10:08.359 --> 01:10:11.600
car with him. His brother in
law's in the back seat. But his

871
01:10:11.840 --> 01:10:17.000
brother in law hasn't expired license.
When did, Joe? When did your

872
01:10:17.079 --> 01:10:27.000
brother in law's license expire? Are
you there, Joe here? Over a

873
01:10:27.119 --> 01:10:34.000
year? Did he lose his license
or did it expire? Inspired? And

874
01:10:34.159 --> 01:10:40.479
why did he not get a new
one? Well, he's almost blind.

875
01:10:41.439 --> 01:10:45.479
Oh that's a good reason. I
mean, he probably got like twenty forty

876
01:10:45.600 --> 01:10:51.720
villion, but he don't qualify to
drive. Okay, so he probably drives

877
01:10:51.840 --> 01:10:56.479
like Mark in his big motor home. I'm just kidding about it. I'm

878
01:10:56.520 --> 01:11:00.239
just joking. Hey, So,
so Joe, listen, listen, So

879
01:11:00.439 --> 01:11:03.720
he doesn't drive, Jeremy, are
you allowed to have a car that's licensed

880
01:11:03.840 --> 01:11:10.640
and insured if you don't drive?
If you yeah, I mean you could

881
01:11:10.760 --> 01:11:15.079
ensure a vehicle that you don't drive. You would typically need to list who

882
01:11:15.359 --> 01:11:19.279
is driving on that on that policy, though, like, like who is

883
01:11:19.479 --> 01:11:24.600
listed, Joe, do you know
on his policy for a driver? Yes?

884
01:11:26.000 --> 01:11:28.920
Okay, Now, you were in. Now, Joe was in an

885
01:11:29.000 --> 01:11:34.159
accident and got a ticket for running
a traffic light, and his insurance says,

886
01:11:34.319 --> 01:11:39.039
we're not going to cover you.
Is that right, Joe? Yeah,

887
01:11:39.439 --> 01:11:43.920
it's State Farm. That's my brother
in law's insurance. Now, my

888
01:11:45.279 --> 01:11:51.800
my insurance covered me and my wife
and our insurance covered her. Shane Farm

889
01:11:51.840 --> 01:11:59.119
ain't done nothing. Okay, the
physical Now, hold on. Here's what

890
01:11:59.199 --> 01:12:02.479
I want to ask. Why won't
they cover What reason did they give you

891
01:12:02.640 --> 01:12:06.520
for not covering you, Joe?
Because I got to take it now,

892
01:12:06.680 --> 01:12:11.920
Jeremy, that's not a good reason. Right, Well, I guess I'm

893
01:12:11.960 --> 01:12:17.960
confused. What what are they not
covering him for? Yeah? What are

894
01:12:18.039 --> 01:12:23.239
they not covering? Medical bills?
Are they? Let me ask you this?

895
01:12:23.479 --> 01:12:28.720
Are they? Hold on? Are
they covering your the car? Your

896
01:12:28.720 --> 01:12:38.319
brother in law's car? Well from
me, my voices? Okay, all

897
01:12:38.439 --> 01:12:43.880
right, Hi Tom? Hi?
What what is your name here? My

898
01:12:44.039 --> 01:12:48.439
name is Julie. Hey, Julie. Why what are they covering your brother's

899
01:12:48.560 --> 01:12:53.399
car? I assume it's your brother. Yes, it's my brother, but

900
01:12:54.760 --> 01:12:59.840
I don't know because we're confused because
they say no, and he said yes

901
01:13:00.359 --> 01:13:03.479
they did, but they he had
to go pick up the ticket, I

902
01:13:03.560 --> 01:13:09.199
mean price of it. But since
both Joe and I were injured and in

903
01:13:09.279 --> 01:13:15.000
a hospital, we have nobody here
to take and he didn't drive, so

904
01:13:15.119 --> 01:13:17.159
they said since he didn't pick up
he didn't pick up his check, that

905
01:13:17.279 --> 01:13:21.239
they weren't going to cover nothing.
Wait wait, wait, that doesn't make

906
01:13:21.439 --> 01:13:25.279
that doesn't make sense. I want
to ask a few questions, Julie.

907
01:13:26.119 --> 01:13:31.159
When was this accident? How long
ago? September twenty fourth of last year?

908
01:13:31.680 --> 01:13:35.600
Okay, twenty three? Okay,
okay, Now what I want to

909
01:13:35.640 --> 01:13:42.159
know is this the other car?
What happened with the other car? I

910
01:13:42.359 --> 01:13:46.920
have no idea because basically, Joe
was unconscious and I was in bad shape,

911
01:13:46.960 --> 01:13:50.039
and they took all three of us
and won ambulance before the police ever

912
01:13:50.159 --> 01:13:57.560
got there. They took the fire
departments had to take us out of the

913
01:13:57.640 --> 01:14:01.680
car, pry us out of the
car. So it was a pretty bad

914
01:14:01.800 --> 01:14:04.920
accident, right, And I think
it was the other guy that was at

915
01:14:05.159 --> 01:14:09.880
fault. Well yeah, but you're
but but Joe got the ticket. And

916
01:14:09.920 --> 01:14:13.159
here's what I want to know.
What happened to the car? Did your

917
01:14:13.319 --> 01:14:15.800
hold on? Did your brother have
it fully insured? What year was this

918
01:14:16.000 --> 01:14:24.479
car? I'm not sure what year
it is, but yeah, he had

919
01:14:24.560 --> 01:14:28.279
full coverage on it. He was
carrying full coverage on it, including collision

920
01:14:28.359 --> 01:14:33.800
coverage. Kill it's a twenty eleven, so he probably do you know if

921
01:14:33.880 --> 01:14:41.000
he had collision coverage or not?
Do you know? Uh? Yeah,

922
01:14:41.000 --> 01:14:46.159
because he had a two hundred and
fifty dollars inductible for collision. So has

923
01:14:46.279 --> 01:14:54.119
his car since been fixed or replaced? No, the insurance totaled it.

924
01:14:54.680 --> 01:14:56.960
But they were supposed to give him
a check for it, and they never

925
01:14:57.039 --> 01:14:59.960
gave him the check. He says, well, they never gave him che

926
01:15:00.000 --> 01:15:02.640
because he never could go down there
to pick up the check out. I

927
01:15:02.760 --> 01:15:05.199
get it, I get a hold
on. You're right, they should get

928
01:15:05.279 --> 01:15:10.039
him the check. We can handle
that. We can help your brother get

929
01:15:10.119 --> 01:15:18.560
paid. But now, did he
have med pay medical liability? No,

930
01:15:18.920 --> 01:15:28.600
it's no, it's it's specifically called
medical payments. Yes, he had.

931
01:15:28.880 --> 01:15:33.680
It's number C on his card.
It says medical payments. And what does

932
01:15:33.760 --> 01:15:38.159
it say under medical payments? It
doesn't say anything. This is on his

933
01:15:38.319 --> 01:15:42.239
card and it just says medical payments. It says nothing about it. So,

934
01:15:43.239 --> 01:15:45.720
Jeremy, do you know what they're
talking about? Jeremy is with a

935
01:15:45.840 --> 01:15:48.960
compass insurance group. What is she? What is she talking about? On

936
01:15:49.079 --> 01:15:54.319
his card it says medical payments.
Does that mean he has medpay? No,

937
01:15:54.600 --> 01:15:57.800
he had for himself, but for
nobody else. No, Well that

938
01:15:58.119 --> 01:16:00.319
that's not so either, because they
don't. Hey is per person. But

939
01:16:00.399 --> 01:16:04.600
if there's nothing listed on the card, then I'm assuming he doesn't have the

940
01:16:04.680 --> 01:16:10.000
medpay coverage. Usually there'd be a
limit listed. There is that where you're

941
01:16:10.039 --> 01:16:15.680
also seeing the deductible at two point
fifty? Yes, listen, I think

942
01:16:15.760 --> 01:16:19.520
if it's blank, my assumption would
be that there's no medpay coverage on that

943
01:16:19.640 --> 01:16:24.720
policy. See, the reason they're
not paying it is because he doesn't have

944
01:16:24.840 --> 01:16:29.640
the coverage, not because of the
accident. And also, well it is

945
01:16:29.720 --> 01:16:34.720
because of the accident too, because
the other In other words, it's your

946
01:16:34.920 --> 01:16:39.880
fault. If it was the other
party's fault, you could go after the

947
01:16:39.960 --> 01:16:45.079
other party for your medical payments.
But usually with medpay coverage, it doesn't

948
01:16:45.119 --> 01:16:49.680
matter whose fault it is. And
that's probably why they're not paying is because

949
01:16:49.720 --> 01:16:54.600
you don't have it. But here's
how we can find out for sure.

950
01:16:55.239 --> 01:16:59.920
Let me ask you this, Julie, your brother is your brother pretty competent?

951
01:17:00.079 --> 01:17:05.399
Can he talk and all that?
Well, I don't think he's too

952
01:17:05.479 --> 01:17:10.840
clear. He doesn't understand much.
Okay, would you be able to get

953
01:17:10.880 --> 01:17:16.399
a copy of his insurance policy?
I guy, his insurance card, not

954
01:17:16.560 --> 01:17:19.960
his card? Well, I don't
know. Would his card be the same

955
01:17:20.039 --> 01:17:25.359
as the decks page? You tell
me, Jeremy, we'd want the deck

956
01:17:25.439 --> 01:17:30.680
page for this for sure, Julie. Do you know if he has an

957
01:17:30.760 --> 01:17:36.039
insurance policy anywhere he can look at
or you can look at. Uh,

958
01:17:38.199 --> 01:17:43.439
they're usually they're usually PDFs. Now
they're usually electronic, Jeremy. Does anyone

959
01:17:43.560 --> 01:17:47.279
mail out a policy anymore? Yeah, there's still some companies that eat.

960
01:17:47.800 --> 01:17:51.000
Yeah, because we don't have computers, so they have to mail ours to

961
01:17:51.119 --> 01:17:56.920
it. Okay, if he has
a policy, the front page usually have

962
01:17:57.000 --> 01:18:01.359
the policy or the second page is
called declaration page, and it's a summary

963
01:18:01.960 --> 01:18:06.840
of the insurance. If you can
get a hold of that, we can

964
01:18:06.960 --> 01:18:12.119
help you. Okay, if you
can get a hold of that, but

965
01:18:12.279 --> 01:18:16.119
we need to know what coverage you
have first, because it's set you.

966
01:18:16.640 --> 01:18:23.479
Here's my first blush. I don't
think he had medpay, although if he

967
01:18:23.600 --> 01:18:27.920
had collision on a twenty on an
accuse me on a thirteen year old car

968
01:18:29.399 --> 01:18:33.319
Maybe he did have medpay. I
don't know, but you need to look

969
01:18:33.359 --> 01:18:38.520
at his policy, and if he
has medpay coverage, they would have to

970
01:18:38.640 --> 01:18:41.199
cover you. I can't see where
they'd get around it, do you,

971
01:18:41.800 --> 01:18:45.760
Jeremy, Well, just to understand
too, I mean, most policies,

972
01:18:45.920 --> 01:18:51.359
the medpay coverage is really it's like
five thousand dollars, that's what most people

973
01:18:51.520 --> 01:18:57.520
have. And it's not designed to
cover your medical bills. It's designed to

974
01:18:57.680 --> 01:19:01.640
cover your expense. You're out of
pocket expense, your health insurance isn't paying.

975
01:19:02.319 --> 01:19:06.239
So there's just to make sure that
they're understanding. Medpay is not a

976
01:19:06.399 --> 01:19:10.800
big coverage. It's not. No, no, it's not, but it

977
01:19:10.960 --> 01:19:14.520
is certainly something. So Joe and
Julie, how much of your hospital?

978
01:19:14.560 --> 01:19:20.359
How much of your medical bills?
Mine is one hundred and fifty thousand,

979
01:19:20.960 --> 01:19:26.399
And I don't know what Joe's is
because we have never seen. Okay,

980
01:19:26.880 --> 01:19:30.239
now, do you guys have do
you guys have any kind of health insurance

981
01:19:30.319 --> 01:19:35.840
or medicare? We're both on Medicare? Is Medicare paying any of that?

982
01:19:38.560 --> 01:19:44.279
They paid a portion of mine?
Okay? And so is anyone trying to

983
01:19:44.319 --> 01:19:50.760
come after you for money. I'm
not sure. I've not seen a letter

984
01:19:50.840 --> 01:19:58.880
or anything. We get calls every
day, but I'm asking is anyone trying

985
01:19:58.920 --> 01:20:02.119
to collect? Is anyone I'm trying
to collect from you? Yes? But

986
01:20:02.279 --> 01:20:06.159
it has nothing to do with medical
Oh what does that have to do with

987
01:20:08.840 --> 01:20:12.560
at some credit card? They say
that, Joe owes, But we never

988
01:20:12.680 --> 01:20:15.479
had that credit card. So we've
been forget that for now. For now,

989
01:20:15.560 --> 01:20:19.000
you can forget that. But here's
the deal, Joe and Julie.

990
01:20:19.199 --> 01:20:28.199
How old you guys? I'm sixty
one and Joe is seventy eight. Okay,

991
01:20:29.279 --> 01:20:31.880
so he robbed the cradle. Listen, here's what you do. Basic.

992
01:20:32.840 --> 01:20:38.600
Basically, here's what you do,
Julie, seriously. Now, what

993
01:20:38.800 --> 01:20:42.680
you need to do is how are
you on Social Secure? How are you

994
01:20:42.800 --> 01:20:46.359
on Medicare at sixty one? At
sixty one years old? It's a disability?

995
01:20:47.039 --> 01:20:55.479
Oh okay. What you guys need
to do is basically nothing, because

996
01:20:56.239 --> 01:20:59.079
we're going to check the coverage for
you if you get a copy of the

997
01:20:59.119 --> 01:21:02.720
policy, but they're probably not going
to collect a dime from you anyway.

998
01:21:03.000 --> 01:21:08.640
Do you guys have a lot of
money stashed anywhere? No? Do you

999
01:21:08.760 --> 01:21:13.319
own a home? Yeah, but
it's but the mortgage is killing us on

1000
01:21:13.439 --> 01:21:21.399
it. How much it equity do
you have? They say there's like two

1001
01:21:21.479 --> 01:21:27.000
hundred and three thousand. Okay,
so you guys are uncollectible. Do you

1002
01:21:27.079 --> 01:21:32.520
know what that means? That they
can't get anything out of us? That's

1003
01:21:32.640 --> 01:21:36.920
right, because all of your benefits
come from the government. You don't have

1004
01:21:38.119 --> 01:21:44.880
enough equity and you don't have any
savings or investments, so they can't get

1005
01:21:44.960 --> 01:21:50.239
anything from you, so they won't
bother So why do you care if the

1006
01:21:50.359 --> 01:21:56.479
insurance covers your medical bills or not? Uh? Kill us? The one

1007
01:21:56.520 --> 01:21:58.840
that called you, I'm not sure, no, no, no. What

1008
01:21:58.960 --> 01:22:01.199
I'm saying is I don't want you
to worry. I don't want you to

1009
01:22:01.279 --> 01:22:04.920
worry about it. That's what I'm
telling you. Yeah, okay, okay,

1010
01:22:05.319 --> 01:22:13.800
but I do want you. I
do want you. You're not gonna

1011
01:22:13.800 --> 01:22:16.039
have to pay anything. I want
you, though, to get a copy

1012
01:22:16.319 --> 01:22:20.239
of your brother, of your brother's
insurance if you can, and call us

1013
01:22:20.319 --> 01:22:24.720
back, and we'd be happy to
have Compass take a look at it.

1014
01:22:25.119 --> 01:22:31.239
Jeremy. In general, though,
if you're not if you're not licensed,

1015
01:22:31.600 --> 01:22:39.159
you can still have a car and
let others drive it. Yeah, I

1016
01:22:39.239 --> 01:22:43.119
mean this definitely can go from company
to company. But yeah, like we'll

1017
01:22:43.159 --> 01:22:45.640
have people who's still in the car. They no longer drive, maybe they're

1018
01:22:45.640 --> 01:22:50.600
getting old or whatever the case may
be. But the insurance company is going

1019
01:22:50.640 --> 01:22:56.439
to want whoever. So let's say
you have your daughter drives you to medical

1020
01:22:56.479 --> 01:22:59.960
appointments a couple times a week in
your car, but you're not driving,

1021
01:23:00.720 --> 01:23:03.119
They're gonna want you to have your
daughter list It is a okay, all

1022
01:23:03.199 --> 01:23:08.039
right, Paul, But what about
occasional use? If you just let someone

1023
01:23:08.159 --> 01:23:11.520
drive now and then, would they
have to be named? No, that

1024
01:23:11.600 --> 01:23:15.119
would fall under permiss abuse. I
think that those guys were probably covered.

1025
01:23:15.159 --> 01:23:18.560
We just have to figure out what
kind of coverage they had. So guys,

1026
01:23:18.640 --> 01:23:21.560
get us that information. And by
the way, thank you, Jeremy.

1027
01:23:21.720 --> 01:23:27.000
Compass Insurance Group Home of the Insurance
Checkup three oh three nine ninety six,

1028
01:23:27.159 --> 01:23:34.239
nine thousand. We have more coming
right up. Go with a sure

1029
01:23:34.359 --> 01:23:39.840
thing Denver's Best Roofer Excel Roofing dot
com. You don't pay a cent until

1030
01:23:39.880 --> 01:23:46.039
you're content time for an insurance checkup
free, no obligation. In comparison,

1031
01:23:46.199 --> 01:23:51.079
call Compass Insurance pay too much your
coverage at dozens of insurance companies. Find

1032
01:23:51.119 --> 01:23:55.399
out now three oh three seven seven
to one help. You'll think you're his

1033
01:23:55.600 --> 01:23:59.520
only customer when you choose Frank durand
the real estate man dot com to list

1034
01:23:59.560 --> 01:24:03.000
your home with Remax Alliance three all
three nine two zero sixteen twenty two.

1035
01:24:06.079 --> 01:24:10.640
Hi Tom Martinez here three oh three
seven one three talks seven one three A

1036
01:24:10.720 --> 01:24:15.000
two five five. Do we still
have free memberships to give away? We

1037
01:24:15.199 --> 01:24:19.159
have just a few chief Okay,
we're not gonna say the number. Then

1038
01:24:19.359 --> 01:24:24.279
no, no, I don't want
to because it's free. There's really no

1039
01:24:24.359 --> 01:24:26.960
strings attached. In fact, you
don't even have to renew. You don't

1040
01:24:26.960 --> 01:24:30.199
have to do anything, but you
will love it so much. This is

1041
01:24:30.319 --> 01:24:36.479
priority appointments, discounts on everything,
including replacements, and free service. Well

1042
01:24:36.479 --> 01:24:39.600
it's not free as part of the
membership, but it's free to you.

1043
01:24:40.039 --> 01:24:45.760
It'll be the furnace, the ac
in its appropriate season, the water heater

1044
01:24:45.880 --> 01:24:49.159
and then the electrical panel and these
services can prevent major problems. But it's

1045
01:24:49.199 --> 01:24:53.760
all free right now until we tell
you not. You call seven two zero

1046
01:24:53.880 --> 01:24:57.119
five two six thirty nine thirty nine. I'd love your opinion on it.

1047
01:24:57.239 --> 01:25:00.359
After you've been a member. I'm
a member. It's wonderful. Our members

1048
01:25:00.399 --> 01:25:01.600
love it. And time I think
we got so excited we forgot to say

1049
01:25:02.039 --> 01:25:04.479
this is for fix at twenty four
to seven. Oh of course, I

1050
01:25:04.520 --> 01:25:09.279
mean we're just synonymous. Of course, fix it. You're right, fixmihome

1051
01:25:09.359 --> 01:25:12.319
dot com. Of course. And
then, of course, whether you're a

1052
01:25:12.359 --> 01:25:14.960
member or not, you get free
second opinions. You got to be patient

1053
01:25:15.000 --> 01:25:17.000
on it, but honest to God, no matter what you're told, ever,

1054
01:25:17.600 --> 01:25:21.199
I always believe you should get second
opinions. Anyway, Dominique, what's

1055
01:25:21.239 --> 01:25:25.680
going on with you? Dominique,
welcome to the show. And Tom,

1056
01:25:25.920 --> 01:25:31.680
Hey, what's happening? Okay,
So me and my roommates to my roommates

1057
01:25:31.840 --> 01:25:39.000
just moved into these apartments March fifteenk
okay, so there's three of you,

1058
01:25:40.520 --> 01:25:44.920
yes, okay. Before we moved
in, they told us that we had

1059
01:25:45.000 --> 01:25:49.720
to have all of our stuff set
up, like our rest insurance or Excel

1060
01:25:49.960 --> 01:25:54.880
Energy like all of that stuff set
up, which we did. Yeah,

1061
01:25:54.880 --> 01:26:00.279
okay, that March. When did
you move in, Dominique, When did

1062
01:26:00.319 --> 01:26:10.600
you move in? March fifteenth this
year? Okay, March twelfth. My

1063
01:26:11.039 --> 01:26:15.600
roommate Ash, she had all of
her She already had an XL Energy account

1064
01:26:15.640 --> 01:26:19.079
from her old apartment, and I
was moving out of my dad's house,

1065
01:26:19.119 --> 01:26:23.359
so I didn't even have any accounts
set up, nor did I need to,

1066
01:26:23.560 --> 01:26:28.159
because she already had all the information
and stuff needed to have the cap

1067
01:26:28.239 --> 01:26:33.479
transfers. Okay, so she she
transferred her account to that new apartment.

1068
01:26:34.720 --> 01:26:39.800
Yes, and then and then the
and then the idea was you were all

1069
01:26:39.880 --> 01:26:44.600
going to chip in for it.
Yes, so okay. She has the

1070
01:26:44.680 --> 01:26:49.720
confirmation email from XL Energy saying the
transfer is complete. You know, there's

1071
01:26:49.760 --> 01:26:54.520
nothing else needed from you, YadA
YadA YadA. You know, like it

1072
01:26:54.640 --> 01:26:57.520
was pretty much over. She didn't
need to do anything else. They were

1073
01:26:57.560 --> 01:27:03.399
just transferring the information it to the
new part. March eighteenth, I had

1074
01:27:03.479 --> 01:27:08.960
to go to the office to find
the rest of the paperwork because they forgot

1075
01:27:09.039 --> 01:27:14.800
to have a still out from paperwork. So I did that, and then

1076
01:27:14.840 --> 01:27:21.239
I finished moving my stuff inside the
apartment. And then apparently three months later,

1077
01:27:21.479 --> 01:27:26.319
so the end of last month,
we got a bill from the office

1078
01:27:26.399 --> 01:27:30.399
saying we owed them three hundred dollars
for them paying our EXL energy bill.

1079
01:27:30.960 --> 01:27:33.279
I don't wait, wait wait,
wait, wait, wait, wait wait

1080
01:27:33.279 --> 01:27:36.960
wait, wait wait wait wait wait. Is they were paying your Excel energy

1081
01:27:38.039 --> 01:27:44.640
bill because apparently they thought you didn't
have an account? Right? Yes,

1082
01:27:45.239 --> 01:27:48.359
But but the thing is is that
we did well. Yeah. But here's

1083
01:27:48.399 --> 01:27:53.159
what I want to know. This
is what's important, Dominique. Were you

1084
01:27:53.439 --> 01:28:00.800
also paying the bill as well?
Yeah? I would send Ash the money

1085
01:28:00.880 --> 01:28:05.039
whatever moving? What was Ash was
Ash? Okay? Ash is your roommate

1086
01:28:05.520 --> 01:28:10.840
when she transferred it to the new
apartment Ash lived with you? Is that

1087
01:28:11.000 --> 01:28:16.039
right? Yes? Was Ash being
honest with you guys or just collecting money

1088
01:28:16.119 --> 01:28:20.279
from you? No, she was
being honest. She sends us like she

1089
01:28:20.399 --> 01:28:26.119
sends us all of the emails from
Excel saying that everything was transferred and can

1090
01:28:26.239 --> 01:28:29.760
see And that's not what I'm asking. Here's what I'm asking. Listen.

1091
01:28:29.840 --> 01:28:33.439
It's very easy. You moved in
March fifteenth. Sometime in June, you

1092
01:28:33.520 --> 01:28:38.760
got a bill, Okay, Yes, did you see that bill that Ash

1093
01:28:38.840 --> 01:28:45.159
got? Yes? And you paid
a third of it, so we didn't

1094
01:28:45.199 --> 01:28:50.119
pay that bill yet. That's where
I'm getting to. Well, Okay,

1095
01:28:51.600 --> 01:28:57.439
you've been there since March fifteenth.
How many Excel cycles have you been through?

1096
01:28:57.840 --> 01:29:04.479
It seems like April May June and
July. Right, Yes, have

1097
01:29:04.720 --> 01:29:14.760
you guys paid four Excel bills in
Ash's name? No, the office has

1098
01:29:15.000 --> 01:29:19.239
because what happened was, so when
we transferred the email, we got the

1099
01:29:19.359 --> 01:29:25.319
emails and everything she forwarded us on
the emails of how we knew like everything

1100
01:29:25.479 --> 01:29:32.439
was complete and everything, and then
what happened was because it was like the

1101
01:29:32.560 --> 01:29:39.439
online transfer, there was a delay
on Xcel Energy side, and so on

1102
01:29:39.600 --> 01:29:45.680
March eighteenth, they decided to make
an account under in my office. The

1103
01:29:45.800 --> 01:29:49.800
office apartment complex decided to make an
account under my name without letting us know.

1104
01:29:50.279 --> 01:29:55.000
Okay, but Dominique, I understand, I understand the complication, but

1105
01:29:55.880 --> 01:29:59.760
no matter what, you don't have
to double pay. So if you already

1106
01:29:59.800 --> 01:30:02.760
paid Ash, is Ash going to
give your money back? Because Ash apparently

1107
01:30:02.840 --> 01:30:09.880
didn't have to pay what they were
charging Ash for her old apartment. Still

1108
01:30:10.079 --> 01:30:15.520
they said that, oh, so
you guys were paying, you guys were

1109
01:30:15.640 --> 01:30:19.199
paying. Didn't figure that out until
the end of last month when we got

1110
01:30:19.239 --> 01:30:24.720
that three hundred dollars yesh okay Ash
Ash Ash Ash the money that she was

1111
01:30:24.800 --> 01:30:30.319
paying on her old apartment. Was
anyone living in that apartment? No,

1112
01:30:30.760 --> 01:30:34.079
So what happened was was the old
apartment, So she was still on the

1113
01:30:34.199 --> 01:30:40.319
lease to the old apartment until April
first, but she moved out early because

1114
01:30:40.359 --> 01:30:45.159
we moved in here March fifteenth.
She gave the old office that she lived

1115
01:30:45.199 --> 01:30:49.840
at her keys early and she was
like, I don't think I'll need to

1116
01:30:49.880 --> 01:30:56.119
be coming back, you know.
And then they moved somebody else in while

1117
01:30:56.239 --> 01:31:00.479
she was still technically on the leaf. So what I think happened was because

1118
01:31:00.039 --> 01:31:03.760
she was still on the leaf at
the old apartments, they still thought that

1119
01:31:03.960 --> 01:31:09.079
Excel the excel still thought that she
was still there. No, I get

1120
01:31:09.119 --> 01:31:12.840
it. So somehow, let me
let me get this straight. Then,

1121
01:31:13.359 --> 01:31:19.720
somehow Ash was charging you guys and
paying her part of the old apartment while

1122
01:31:19.840 --> 01:31:25.600
the new management company at your new
apartment was paying for the power on that

1123
01:31:25.800 --> 01:31:30.439
one. Yes, unknowingly, tho
I get it. I get of course

1124
01:31:30.479 --> 01:31:33.840
it was unknowing. Of course it
was. So now you need to pay

1125
01:31:34.359 --> 01:31:41.279
the management company for the power up
till today. But at the same time

1126
01:31:41.840 --> 01:31:45.439
you need to get a refund for
the money you guys paid to the other

1127
01:31:45.560 --> 01:31:50.359
apartment. Yes, but I also
wanted to know if it was even if

1128
01:31:50.960 --> 01:31:58.239
office like apartment office management offices are
even allowed to set up accounts like that

1129
01:31:58.479 --> 01:32:01.640
under pennant's name. No, they
know, they can't send it. Hold

1130
01:32:01.720 --> 01:32:06.359
on listen. Yet, they can't
set up an account under a tenant's name

1131
01:32:06.520 --> 01:32:13.199
without the tenant agreeing to the obligation. But they can set up an account

1132
01:32:13.359 --> 01:32:18.079
for the apartment and ask you to
pay what you used, absolutely, and

1133
01:32:18.199 --> 01:32:24.640
I'll guarantee you. I can't guarantee
you, but most likely in your lease

1134
01:32:25.399 --> 01:32:31.000
it says that they have a right
to charge you for utilities used if you

1135
01:32:31.359 --> 01:32:35.439
did not set up your own account, which would include any kind of utility.

1136
01:32:35.560 --> 01:32:43.199
But will the management company? Does
the management company understand the confusion?

1137
01:32:45.840 --> 01:32:49.000
I'm not short, So I went
to speak to them yesterday about that.

1138
01:32:50.079 --> 01:32:55.800
I was asking him too if he
was even allowed to be because they didn't

1139
01:32:55.920 --> 01:32:58.680
let me know, but that's what
they were doing. I just got a

1140
01:32:58.760 --> 01:33:03.319
call from Xcel Energy when they say, hey, you know, like,

1141
01:33:04.960 --> 01:33:09.199
are you gonna, you know,
finish setting up your account? And I

1142
01:33:09.319 --> 01:33:11.640
was like, what what do you
mean? Yeah, I get have an

1143
01:33:11.640 --> 01:33:15.640
account with Dominique A Dominique this I
want to I'm gonna I want to give

1144
01:33:15.680 --> 01:33:18.079
you some facts here about your account
and what to do. So, if

1145
01:33:18.119 --> 01:33:20.600
you can take some notes, I'm
really serious, I'll tell you how you

1146
01:33:20.680 --> 01:33:25.199
can fix this. It's it's not
gonna be easy, but it'll be done

1147
01:33:25.520 --> 01:33:27.520
and then I can help you.
I got to take a break first,

1148
01:33:27.600 --> 01:33:38.000
so hang on three oh three seven
one three eight two five five. Go

1149
01:33:38.199 --> 01:33:42.399
with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay

1150
01:33:42.439 --> 01:33:47.520
a cent until you're content on top
of it. Time for an insurance check

1151
01:33:47.600 --> 01:33:54.199
up free no obligation comparison call Compass
Insurance paying too much your coverage at dozens

1152
01:33:54.239 --> 01:33:57.880
of insurance companies find out now three
oh three seven seven to one help.

1153
01:33:58.079 --> 01:34:00.600
You'll think you're his only customer,
and you choose Frank durand the real estate

1154
01:34:00.720 --> 01:34:05.119
Man dot com to list your home
with Remax Alliance three oh three nine two

1155
01:34:05.199 --> 01:34:11.159
zero sixteen twenty two. I'm Tom
Martine. You're a troubleshooter. Listen to

1156
01:34:11.239 --> 01:34:14.279
make things clear. It's very easy
and I don't want to go through dollars

1157
01:34:14.359 --> 01:34:19.600
and cents. But Dominique, when
they moved into this new apartment, Dominique

1158
01:34:19.640 --> 01:34:27.279
in her roommates without knowing it,
the management company was paying their electric bill

1159
01:34:27.640 --> 01:34:32.760
because the management company assumed that there
wasn't an account set up, so they

1160
01:34:32.880 --> 01:34:38.119
set up an account and was paying
for that. And now they want to

1161
01:34:38.159 --> 01:34:42.840
be reimbursed, and they should be
reimbursed. Dominique and Ash and the other

1162
01:34:43.319 --> 01:34:49.319
girl, they all owe the management
company whatever the management company paid, or

1163
01:34:49.439 --> 01:34:55.359
if it's a balance due to Excel, they owe for the energy they used

1164
01:34:55.920 --> 01:35:00.720
in the new apartment, no matter
what. Now, as are as Ash

1165
01:35:01.199 --> 01:35:06.720
moving out of her old apartment,
if she can prove the date it was

1166
01:35:06.880 --> 01:35:14.479
transferred and she has an email where
Excel acknowledged that they're transferring the account from

1167
01:35:14.640 --> 01:35:18.720
that date forward, they should credit
everything that was paid on the old apartment.

1168
01:35:19.840 --> 01:35:24.520
They still might owe some money because
I assumed the new apartment with three

1169
01:35:24.640 --> 01:35:29.880
girls would be using more energy than
the old apartment with someone. But you

1170
01:35:29.960 --> 01:35:33.159
know, we'll see. But what
we need to do is get someone to

1171
01:35:33.560 --> 01:35:38.880
explain it to Excel. Now here's
what I want to know, Dominique,

1172
01:35:39.399 --> 01:35:46.279
did Excel did Excel say anything,
Did you guys contact well, actually it's

1173
01:35:46.399 --> 01:35:51.239
Ash who needs to contact them.
Did she contact them and say, listen,

1174
01:35:53.000 --> 01:35:57.760
you were applying my payments to my
old apartment after you told me you

1175
01:35:57.920 --> 01:36:03.039
transferred the account. What did say? They told her that it was back

1176
01:36:03.239 --> 01:36:09.319
payd from last like the last month
that she was there, and she was

1177
01:36:09.439 --> 01:36:13.119
like that I transferred it. Well, that sounds hold on, that sounds

1178
01:36:13.199 --> 01:36:16.279
logical because you do pay electric in
the rears. That does sound logical.

1179
01:36:16.920 --> 01:36:21.039
Here's all that matters. Okay,
here's what matters. Ash needs to figure

1180
01:36:21.119 --> 01:36:27.039
out the money that she owed to
Excel on the old apartment, that's all.

1181
01:36:27.359 --> 01:36:30.920
And if she charged you guys for
that, she needs to give the

1182
01:36:30.000 --> 01:36:39.439
money back to you because you were
paying for her old electric bill. You

1183
01:36:39.600 --> 01:36:43.199
lay out the months. Here's what
you do. How long was she in

1184
01:36:43.279 --> 01:36:49.479
that old apartment? Do you know
how long Ash was there? Maybe two

1185
01:36:49.640 --> 01:36:55.399
years? Okay? What Ash needs
to do is go back six months of

1186
01:36:55.600 --> 01:37:00.000
bills and she needs to see what
she was paying. Because Excel is right,

1187
01:37:00.319 --> 01:37:05.079
you pay electricity in the rears.
So the payment that you pay in

1188
01:37:05.279 --> 01:37:15.319
July is for usage up to a
cutoff date sometime in June. So if

1189
01:37:15.640 --> 01:37:18.239
that's true. But I don't know
how it could go on that long.

1190
01:37:18.439 --> 01:37:24.079
For example, you guys were paying
made the beginning of April and then moved

1191
01:37:24.319 --> 01:37:29.600
or beginning of March. I'm fire, and then moved out the middle March

1192
01:37:29.720 --> 01:37:33.439
fifteenth, and then she was also
getting charged for April, even though she

1193
01:37:33.560 --> 01:37:38.640
had already put the transfer in.
Yeah, but the April. Listen,

1194
01:37:39.239 --> 01:37:42.119
if she moved out of her apartment, let's say, no matter when,

1195
01:37:42.159 --> 01:37:46.000
whenever she moved out, she would
still owe money to Excel on that apartment

1196
01:37:46.439 --> 01:37:54.560
for the past thirty days. She
wouldn't owe every month after that, but

1197
01:37:54.760 --> 01:38:00.640
she would owe for whatever billing period
she was residing there. It's not it's

1198
01:38:00.760 --> 01:38:05.520
the billing period. It's the consumption
period, not when they issue the bill.

1199
01:38:06.239 --> 01:38:11.359
So only you can figure only she
can figure that out. She can

1200
01:38:11.439 --> 01:38:15.800
ask for an account audit, but
for Excel to say that she was paying

1201
01:38:15.880 --> 01:38:19.279
for her previous months, that's ridiculous. If she moved out April first,

1202
01:38:19.359 --> 01:38:25.560
Okay, the most she's gonna owe
is for March and half of April.

1203
01:38:25.920 --> 01:38:30.720
Excuse me, it is for is
for before February and half of March.

1204
01:38:30.800 --> 01:38:33.600
If she moved out, or maybe
even all of March. It doesn't matter.

1205
01:38:33.680 --> 01:38:39.319
What I'm saying is she doesn't owe
for May, June, and July.

1206
01:38:39.720 --> 01:38:43.560
For God's sake, she wasn't living
there. Are they saying every penny

1207
01:38:43.680 --> 01:38:48.640
she paid was for back Excel bills. Well, that's ridiculous. What do

1208
01:38:48.720 --> 01:38:53.840
they mean by that? And the
thing is she also had her she always

1209
01:38:53.920 --> 01:38:57.560
has all of her bills on autopay, So she's like, why didn't you

1210
01:38:57.600 --> 01:39:00.520
guys just take out all the money, bro, It doesn't matter they took

1211
01:39:00.560 --> 01:39:01.880
it out or not. Okay,
that doesn't matter. If it was on

1212
01:39:01.960 --> 01:39:05.159
auto pay and they did not take
it out, she owes it. Whether

1213
01:39:05.279 --> 01:39:08.239
or not they took it out or
not, it's not the issue. The

1214
01:39:08.359 --> 01:39:12.840
issue is was it owed and was
it paid? She needs an audit of

1215
01:39:12.920 --> 01:39:16.199
that account. Honest to god.
It's between It's really between you guys and

1216
01:39:16.279 --> 01:39:21.600
Ash right now. And if Excel
overcharged her, they should credit her on

1217
01:39:21.760 --> 01:39:28.000
this new account or I don't know
what else to tell you, but Excel

1218
01:39:28.119 --> 01:39:31.319
is saying everything she paid, she
owed, and you're saying, no,

1219
01:39:31.840 --> 01:39:35.920
she paid extra. Whatever it is
it is, and Excel should be willing

1220
01:39:36.000 --> 01:39:40.079
to give you a full and complete
audit. And if not, doc,

1221
01:39:40.159 --> 01:39:45.800
why don't you explain it to them? Just help them on a conference call,

1222
01:39:45.880 --> 01:39:49.079
maybe with Excel Energy to lay it
out. I'm Tom martine more coming

1223
01:39:49.159 --> 01:40:00.760
up. Go with a sure thing
Denver's best roofer Excel Roofing. You don't

1224
01:40:00.760 --> 01:40:06.560
pay a cent until you're content.
Wait time for an insurance check up free,

1225
01:40:06.680 --> 01:40:12.199
no obligation. In comparison, call
Compass Insurance paying too much your coverage

1226
01:40:12.239 --> 01:40:15.039
at dozens of insurance companies find out
now three all three seven seven to one

1227
01:40:15.199 --> 01:40:18.840
help. You'll think you're his only
customer when you choose Frank durand the Real

1228
01:40:18.960 --> 01:40:24.479
estate Man dot com to list your
home with Remax Alliance three all three nine

1229
01:40:24.520 --> 01:40:35.640
two zero sixteen twenty two. Yeah, you need that? Who you don't

1230
01:40:35.720 --> 01:40:44.000
have? Come? Run incious as
fast as you can. Shooter's gonna help.

1231
01:40:44.319 --> 01:40:51.159
Come Man Dix is the Troubleshooter Show. Now Tom Martino, Tom Martino

1232
01:40:51.199 --> 01:40:55.239
here three oh three seven one three
talks seven one three eight two five five.

1233
01:40:55.319 --> 01:40:57.720
What's on your mind? How can
we help you? Give us a

1234
01:40:57.840 --> 01:41:00.880
call and we would be happy to
just discuss your consumer problem, question or

1235
01:41:00.920 --> 01:41:05.239
complaint. If you've been in trouble
and you've gotten ripped off. If you

1236
01:41:05.439 --> 01:41:10.159
need help with something, call us. We got all kinds of information.

1237
01:41:10.640 --> 01:41:16.840
This hour brought to you by Frankarandrealestateman
dot com for free market valuations or analyzes

1238
01:41:16.920 --> 01:41:19.319
of your home. If you want
to know what it will sell for what

1239
01:41:19.439 --> 01:41:23.680
you can buy. He'll do it
all free of charge, honest to God,

1240
01:41:23.800 --> 01:41:27.960
right down to every market aspect your
house, your comps. And why

1241
01:41:28.000 --> 01:41:30.239
does he do it because he wants
to gain market knowledge and he hopes if

1242
01:41:30.239 --> 01:41:33.680
you ever do list, you might
list with him, although there is absolutely

1243
01:41:33.760 --> 01:41:39.800
no obligation. Frankarandrealestate Man dot com
three oh three nine two zero sixteen twenty

1244
01:41:39.840 --> 01:41:43.800
two. Another thing, We got
a few free memberships we're giving away for

1245
01:41:43.920 --> 01:41:47.359
fix at twenty four to seven.
And I call it the whatever it's called,

1246
01:41:47.560 --> 01:41:53.159
I call it the it's for service, it's a club. It's it's

1247
01:41:53.239 --> 01:41:56.680
something you belong to, a loyalty
club where you pay a small amount every

1248
01:41:56.720 --> 01:41:59.880
month. Although now we're giving away
a couple free ones. We've given a

1249
01:42:00.560 --> 01:42:03.680
yeah, just for us, right, just for our listeners. So if

1250
01:42:03.680 --> 01:42:06.920
you call after the show, it
ain't gonna work. So you call seven

1251
01:42:06.960 --> 01:42:10.880
two zero five two six thirty nine
thirty nine, say you want the free

1252
01:42:11.479 --> 01:42:13.319
What club do you call it?
What do you guys call it? I

1253
01:42:13.359 --> 01:42:15.720
always call it the Green Bubble Club? What do you call it? I

1254
01:42:15.880 --> 01:42:17.439
like Green Bubble Club? It's a
green club. It's a green club.

1255
01:42:17.520 --> 01:42:21.960
So you join, you get priority
pricing, priority appointments, discounts on any

1256
01:42:23.000 --> 01:42:29.920
replacements, plus four major services a
year, like your power panel. You're

1257
01:42:30.039 --> 01:42:34.359
going through completely your water heater including
a flush, your HVAC in the prior

1258
01:42:34.520 --> 01:42:39.319
to winter, and your air conditioning
prior summer. Those services. Now,

1259
01:42:40.359 --> 01:42:44.199
that's so you can get some free
ones. Now, after we give away

1260
01:42:44.199 --> 01:42:45.600
all the free ones, we'll let
you know about a special deal as well.

1261
01:42:45.680 --> 01:42:49.159
But why wouldn't you get it free
first fix myhome dot com seven two

1262
01:42:49.199 --> 01:42:53.399
zero five two six thirty nine thirty
nine. Jeremy, I got some questions

1263
01:42:53.439 --> 01:42:57.520
about insurance after we had that discussion
earlier in the show. By the way,

1264
01:42:57.560 --> 01:43:01.560
this is Jeremy, our insurance expert
at Compass Insurance Group. So here's

1265
01:43:01.600 --> 01:43:05.760
the deal. We said, you
can own a car, and there are

1266
01:43:05.880 --> 01:43:10.720
plenty of people who are older,
they can't drive anymore, but they own

1267
01:43:10.760 --> 01:43:14.279
a car and they want to insure
it. And then they have designated drivers

1268
01:43:14.800 --> 01:43:19.000
or permissive drivers from time to time
to help them out. And somebody said

1269
01:43:19.600 --> 01:43:23.560
this was very enlightening. They didn't
know that their mom has a car and

1270
01:43:23.600 --> 01:43:26.319
they want to use it, so
they were very happy to know that.

1271
01:43:26.720 --> 01:43:30.880
So I'm looking for my text skin
I'm sorry, okay. And then on

1272
01:43:31.119 --> 01:43:35.680
that note, somebody asked car insured
fully my brother, me and my sister

1273
01:43:35.840 --> 01:43:43.119
hold on Okay, so they want
to know this she can no longer drive?

1274
01:43:43.560 --> 01:43:47.000
This is mom? And then how
many of us have to be insured

1275
01:43:47.039 --> 01:43:51.760
of the siblings because do we have
to like insure every one of them on

1276
01:43:51.840 --> 01:43:57.640
the policy? How does that work? Yeah, that's a good question,

1277
01:43:58.039 --> 01:44:01.319
and I think it's important to know. So really people should talk to the

1278
01:44:01.439 --> 01:44:05.960
agent or the company because there is
going to be some variants from company to

1279
01:44:06.079 --> 01:44:12.319
company, so all this pergy kind
of generalized. Companies typically are going to

1280
01:44:12.399 --> 01:44:17.079
want people who have any kind of
regular access or regular use to be on

1281
01:44:17.159 --> 01:44:21.119
there. So if you had four
siblings and you know, one of them

1282
01:44:21.199 --> 01:44:26.600
takes the parent to the doctor's appointment
every Monday and another one takes them to

1283
01:44:26.720 --> 01:44:30.000
a different one every Thursday, you
know, maybe those two need to be

1284
01:44:30.159 --> 01:44:32.399
added and then the other two.
It's really kind of a you know,

1285
01:44:32.520 --> 01:44:35.840
once in a whild thing. Then
maybe that company is going to want those

1286
01:44:35.920 --> 01:44:40.760
two to be added. I think
the important thing is to just communicate that

1287
01:44:40.920 --> 01:44:45.560
because a lot of times people don't
and just kind of hope for the best,

1288
01:44:45.960 --> 01:44:49.279
and that's not something we would typically
reckon it, okay, And then

1289
01:44:49.439 --> 01:44:53.960
in line with that, I got
another text and by the way, people,

1290
01:44:54.199 --> 01:44:57.079
I should mention this at the beginning
of the show. In addition to

1291
01:44:57.199 --> 01:45:02.119
texting us to the iHeart texting app
which is five seven seven thirty nine and

1292
01:45:02.199 --> 01:45:06.359
putting Tom there, you can also
text my Google number. That's where these

1293
01:45:06.439 --> 01:45:12.960
are coming through seven four seven.
And I have a question, is there

1294
01:45:13.039 --> 01:45:16.680
a such thing as somebody wants to
know as an open policy? Can they

1295
01:45:16.720 --> 01:45:25.199
have an open so they don't if
they have caretakers and things. So those

1296
01:45:25.279 --> 01:45:30.880
aren't as typical on personal lines as
they are typically in a commercial lines policy.

1297
01:45:32.039 --> 01:45:39.520
So it really more comes down to
how a company's defining their permissive use

1298
01:45:39.760 --> 01:45:45.359
in their contract. So permissive use
is typically going to be something where your

1299
01:45:45.399 --> 01:45:48.319
neighbor needs to borrow your truck to
go to home depot. That's fine.

1300
01:45:48.399 --> 01:45:51.840
You don't need to add your neighbor
to your insurance policy to borrow your car.

1301
01:45:54.000 --> 01:45:58.479
Most companies, if not all,
at this point, are excluding permissive

1302
01:45:58.680 --> 01:46:01.640
use from any drivers in the house. So a lot of times it comes

1303
01:46:01.680 --> 01:46:08.239
down to household but as far as
a specific open policy, those aren't really

1304
01:46:08.520 --> 01:46:11.840
something we see on person Okay,
it's the way you can see on commercial.

1305
01:46:12.439 --> 01:46:16.359
Now, next question. Having this
sparked some kind of a nerve here

1306
01:46:16.479 --> 01:46:19.880
because I guess a lot of people
have elderly folks and stuff. They have

1307
01:46:20.039 --> 01:46:27.239
cars. Somebody wants to know if
my brother lives with my mom still and

1308
01:46:27.359 --> 01:46:31.720
he's forty, and he's not he's
a licensed driver, does she have to

1309
01:46:31.920 --> 01:46:35.840
have him on the policy because he
lives there. Now, this is a

1310
01:46:35.880 --> 01:46:42.239
good topic because we always talk about
parents when their kids become the driving age

1311
01:46:42.880 --> 01:46:48.279
and have licenses, their insurance changes
because you have to tell your insurance company,

1312
01:46:48.399 --> 01:46:54.239
right correct, Okay, So does
that work for an adult child like

1313
01:46:54.319 --> 01:46:59.279
this guy that's forty years old living
with his mom? This is really I

1314
01:46:59.359 --> 01:47:01.600
know I say this all the time, but this really is company specific.

1315
01:47:01.720 --> 01:47:08.880
So with even our companies, most
of ours at this point would require that.

1316
01:47:09.319 --> 01:47:13.199
So he's forty, he has his
own insurance. If he lives in

1317
01:47:13.319 --> 01:47:15.479
mom's house or whoever it could be, you know, his brothers, anyone's

1318
01:47:16.159 --> 01:47:20.560
that company is going to want him
to be listed or excluded as a driver.

1319
01:47:20.760 --> 01:47:25.239
Now, I definitely have some companies
that don't that will say, hey,

1320
01:47:25.800 --> 01:47:29.239
he's got his own car, he
is his own insurance. That's fine.

1321
01:47:30.520 --> 01:47:32.520
We may have him listed on there, but they're not rating him for

1322
01:47:32.680 --> 01:47:38.960
it. So this one really is
company specific. And if you're with and

1323
01:47:39.079 --> 01:47:42.279
I see this all the time even
with my clients, where they'll call up

1324
01:47:42.319 --> 01:47:45.199
and let's say they're with a company
that does require that, and the rate

1325
01:47:45.319 --> 01:47:48.560
goes up a bunch, and it's
like, why are they paying because they

1326
01:47:48.680 --> 01:47:53.720
live together, Now they have to
pay more money. This guy's yeah,

1327
01:47:53.720 --> 01:47:56.399
he's living in the house, but
he has his own car. We will

1328
01:47:56.439 --> 01:48:00.399
move them to a company that maybe
doesn't require that. So that's a big

1329
01:48:00.520 --> 01:48:05.840
one where if you're in that situation, verify how your company's going to handle

1330
01:48:05.920 --> 01:48:10.359
that or require that to be and
if it doesn't line up for you,

1331
01:48:10.520 --> 01:48:14.119
that's a great time to look elsewhere
to go to a company that's not going

1332
01:48:14.199 --> 01:48:16.319
to have that requirement. All right. Now, along the same vein,

1333
01:48:16.399 --> 01:48:20.439
let me go to the next one. Will my insurance cover me if I'm

1334
01:48:20.520 --> 01:48:28.960
driving Mom's car and she doesn't have
medpay but I do. Your med pay

1335
01:48:29.119 --> 01:48:39.600
can potentially extend if the driver's policy
doesn't have it. That's a tough one

1336
01:48:40.000 --> 01:48:45.880
because the medpay is really more in
the vehicle. We've seen that pay on

1337
01:48:45.119 --> 01:48:50.119
someone's insurance pay out, like as
a pedestrian. So it's not something I'd

1338
01:48:50.159 --> 01:48:53.640
go as far as to say yes
it would, but it would be a

1339
01:48:53.720 --> 01:48:58.479
potential to look to see if there's
coverage. Okay, now on ride shares?

1340
01:48:58.600 --> 01:49:01.239
This is my question. This is
not a text. I know we

1341
01:49:01.399 --> 01:49:08.439
have coverages that extend to our rental
cars if we have a good enough policy,

1342
01:49:08.880 --> 01:49:12.079
So when we go on vacation and
rental car, whatever we have on

1343
01:49:12.159 --> 01:49:18.079
our personal car can extend to a
rental car. Right, Okay, does

1344
01:49:18.199 --> 01:49:24.800
any coverage extend to ride share?
Let's say I have a way cool?

1345
01:49:26.159 --> 01:49:29.159
Well, I mean I don't know. Let's see if even under insured or

1346
01:49:29.279 --> 01:49:34.279
uninsured and let's say ride share or
whoever hit ride share or any of them

1347
01:49:35.119 --> 01:49:40.239
aren't adequate for my needs. Can
I go to my own policy for under

1348
01:49:40.279 --> 01:49:47.119
insured, uninsured or medpay? Yeah, you could, I don't know.

1349
01:49:47.319 --> 01:49:51.520
The medpay would be a lot more
likely where you can see coverage from that

1350
01:49:54.000 --> 01:50:00.399
the uninsured mot rist it could act
as a backup a second very if there

1351
01:50:00.560 --> 01:50:09.520
wasn't enough coverage or potentially not no
coverage by it. There's so many factors

1352
01:50:09.560 --> 01:50:14.119
that go into that that it's not
something where I'd say absolutely, but I

1353
01:50:14.199 --> 01:50:17.039
do think you it would be somewhere
to look to get coverage in that situation,

1354
01:50:18.920 --> 01:50:28.479
okay. And on homeowner's insurance when
when when the homeowner is insured for

1355
01:50:28.680 --> 01:50:34.239
personal injury, what does that mean? So personal injury on homeowner's insurance is

1356
01:50:34.399 --> 01:50:41.039
actually libel and slander. So yeah, that's what people That's what this one

1357
01:50:41.119 --> 01:50:45.159
person is confused about because they they
happened to notice that, so they wanted

1358
01:50:45.199 --> 01:50:48.960
to know what is and like,
you're getting hurt. It's not okay,

1359
01:50:49.279 --> 01:50:58.800
So explain when you would use that
coverage from your homeowners. Let's say you

1360
01:50:58.880 --> 01:51:01.359
go on Facebook and say something about
someone and they sue you for it,

1361
01:51:01.640 --> 01:51:05.640
or your kids do or something like
that. It's become a lot more prevalent

1362
01:51:05.840 --> 01:51:12.640
with social media to the point where
we're seeing a lot of companies so that's

1363
01:51:12.680 --> 01:51:15.720
a liability coverage, just like if
your dog bites someone or whatever the case

1364
01:51:15.800 --> 01:51:20.399
may be. But with social media
being so prevalent now and this claim being

1365
01:51:20.479 --> 01:51:27.279
so prevalent, a lot of companies
have separated that liability from the general you

1366
01:51:27.359 --> 01:51:30.600
know, liability coverage that comes on
there. And the reason they'll do that

1367
01:51:31.079 --> 01:51:34.359
is either they're not going to cover
it, They're going to cover it for

1368
01:51:34.479 --> 01:51:39.199
a lower limits. I'll see a
lot of deck pages that people send in,

1369
01:51:39.920 --> 01:51:43.199
or they might have five hundred thousand
in liability, but then the personal

1370
01:51:43.279 --> 01:51:46.680
injury might be twenty five thousand or
fifty thousand. So it's the insurance company

1371
01:51:46.760 --> 01:51:51.359
saying, hey, this is becoming
way more common than it was in the

1372
01:51:51.479 --> 01:51:55.479
past, and so we're not going
to include it in the general liability.

1373
01:51:55.720 --> 01:52:00.640
Let's explain that specifically. Let's explain
that specifically. What we're talking about is

1374
01:52:00.199 --> 01:52:04.439
the trouble you get into for calling
people out. And I want to if

1375
01:52:04.479 --> 01:52:09.399
you hang on, because this is
really important. This is something, like

1376
01:52:09.520 --> 01:52:13.560
you said, is happening more now
than ever, and a lot of people

1377
01:52:13.680 --> 01:52:16.920
don't even know they have that coverage. One guy even had to fight with

1378
01:52:17.039 --> 01:52:23.279
his neighbor. His neighbor sued him
for saying something about him, and he

1379
01:52:23.520 --> 01:52:27.560
said he went through his entire case
and realized he could have been paid by

1380
01:52:27.600 --> 01:52:30.840
his homeowners. He wants to know
can he go back and get paid retroactively,

1381
01:52:30.960 --> 01:52:33.880
but I want to talk about that
coming up. Three O three seven

1382
01:52:33.960 --> 01:52:44.880
one three eight two five five.
Go with a sure thing Denver's best roofer

1383
01:52:45.079 --> 01:52:51.199
Excel Roofing dot com. You don't
pay a cent until you're content. Time

1384
01:52:51.279 --> 01:52:56.000
for an insurance check up free,
no obligation. In comparison, call Compass

1385
01:52:56.159 --> 01:53:00.800
Insurance paying too much your coverage at
dozens of insurance companies find out now three

1386
01:53:00.880 --> 01:53:03.720
all three seven seven to one.
Help You'll think you're his only customer when

1387
01:53:03.760 --> 01:53:08.439
you choose Frank durand the real estate
man dot com to list your home with

1388
01:53:08.600 --> 01:53:15.720
Remax Alliance three all three nine two
zero sixteen twenty two. Hi Tom Martinez,

1389
01:53:15.720 --> 01:53:21.600
your troubleshooter. I'm part of a
Grossmanwellness clinic Grossmanwellness dot com. And

1390
01:53:21.880 --> 01:53:25.399
because of that, you can ask
him if I am, and I've given

1391
01:53:25.479 --> 01:53:28.439
him permission to say yes I am, because I am. I pay a

1392
01:53:28.479 --> 01:53:30.039
few hundred bucks a month. Now
I'm going to tell you like I think

1393
01:53:30.119 --> 01:53:33.359
the fees are around three hundred to
four or five. You can get different

1394
01:53:33.439 --> 01:53:36.520
levels. I have the one where
I get blood work every three months.

1395
01:53:36.840 --> 01:53:41.600
I get my prescriptions and I get
my supplements and I get my consultations.

1396
01:53:42.199 --> 01:53:45.560
The theory is not much can happen
in three months that you can't fight or

1397
01:53:45.640 --> 01:53:48.720
battle or prevent. And I love
it. And I can text them right

1398
01:53:48.800 --> 01:53:51.119
now and say, hey, I'm
feeling a sore throat. What should I

1399
01:53:51.199 --> 01:53:58.079
do? Seriously, it's wonderful and
it's a doctor in the pocket Grossmanwellness dot

1400
01:53:58.199 --> 01:54:02.239
Com. I'm serious, it's a
wonderful service. Now. Jeremy is with

1401
01:54:02.279 --> 01:54:06.439
Compass Insurance Group, and man,
whenever we talk about insurance, we get

1402
01:54:06.520 --> 01:54:12.199
incredible inquiries. This thing about personal
injury that we got opened up a can

1403
01:54:12.319 --> 01:54:15.520
of worms. We'll probably talk about
it again when Brian's on the show or

1404
01:54:15.600 --> 01:54:24.680
something. But personal injury people misunderstand. You are actually protected if someone accuses

1405
01:54:24.800 --> 01:54:30.960
you of libel or slander or personal
injury of that kind, and your insurance

1406
01:54:30.000 --> 01:54:35.159
company will defend you. But this
kind of lawsuit is becoming way more common.

1407
01:54:35.600 --> 01:54:41.199
People say on Facebook, I know
Mary blah blah blah, I know

1408
01:54:41.399 --> 01:54:45.119
Johnny did this, or their kids
or this, and there you know,

1409
01:54:45.119 --> 01:54:50.239
it happens so much TikTok the same
thing. So it used to be insurance

1410
01:54:50.279 --> 01:54:56.680
company has never had these cases.
So they extended the coverage as a matter

1411
01:54:56.880 --> 01:55:00.439
of normal everyday business. Now,
I think, and I don't want to

1412
01:55:00.479 --> 01:55:04.439
open up anything with me, but
I think in my case, because of

1413
01:55:04.520 --> 01:55:09.079
my years and the media and what
I do, I think there are special

1414
01:55:09.159 --> 01:55:14.680
exclusions and I have to carry special
coverage. But right the normal person is

1415
01:55:14.840 --> 01:55:20.560
covered. But you're saying that's even
that's even changing now, right it is.

1416
01:55:20.920 --> 01:55:27.359
So that's why you're seeing that coverage
more and more because companies, so

1417
01:55:27.479 --> 01:55:30.840
it could be three options. One
is it's just still included in their liability.

1418
01:55:31.359 --> 01:55:34.199
So whatever your liability is, personal
injury is a part of that.

1419
01:55:34.720 --> 01:55:40.199
What's much more common now is it's
its own coverage. So you need to

1420
01:55:40.279 --> 01:55:44.880
make sure that you have personal injury
on your policy. And then you could

1421
01:55:44.920 --> 01:55:49.199
also see times where your liability is
one amount for general liability, but your

1422
01:55:49.279 --> 01:55:54.680
personal injury liability limit is lower,
and so you want to be aware of

1423
01:55:54.720 --> 01:55:58.119
that as well. Again, it
used to be you never saw these claims,

1424
01:55:58.960 --> 01:56:03.000
so the coverage was extended like candy. But right now I want to

1425
01:56:03.079 --> 01:56:11.800
know this, are there any policies
that specifically exclude social media. I'm not

1426
01:56:11.920 --> 01:56:15.960
aware of any that they would just
exclude it by not having the personal injury

1427
01:56:16.039 --> 01:56:21.680
coverage and Jeremy, when does the
umbrella kick in? So the good question,

1428
01:56:21.880 --> 01:56:27.720
So the umbrella is going to kick
in as long as the underlying policy

1429
01:56:27.840 --> 01:56:30.600
covers it. And that's really the
important part to that. So if you

1430
01:56:30.800 --> 01:56:38.600
have an umbrella but you don't have
personal injury, then you're self ensuring.

1431
01:56:39.079 --> 01:56:43.199
You know, typically the first three
hundred thousand or whatever your umbrella is requiring

1432
01:56:43.319 --> 01:56:46.000
you to have. So you need
to just because you have an umbrella doesn't

1433
01:56:46.039 --> 01:56:48.640
mean you're you know, through the
woods. You need to make sure you

1434
01:56:48.720 --> 01:56:54.479
still have personal injury on your primary
home policy for that umbrella to cover it.

1435
01:56:56.920 --> 01:57:02.720
So what about businesses to ask about
kind of ask about businesses. If

1436
01:57:02.800 --> 01:57:09.720
you own a business and somebody on
social media does all that crap about you

1437
01:57:09.840 --> 01:57:13.760
and it's not true. If a
business goes after that person, that person

1438
01:57:13.880 --> 01:57:19.560
could go to their homeowners to be
covered if they have the personal injury.

1439
01:57:19.680 --> 01:57:27.600
That's where it would potentially cover them. Any kind of liability is not as

1440
01:57:27.720 --> 01:57:30.800
well defined as like property damage,
where it's like these type of perils.

1441
01:57:32.359 --> 01:57:39.039
When you get into libel and slander
with intent, it can get a little

1442
01:57:39.079 --> 01:57:42.760
bit dicey. But yes, the
theory would be the same, like posting

1443
01:57:42.800 --> 01:57:46.119
a review or something like that.
So I'm gonna ask a question for Tom's

1444
01:57:46.119 --> 01:57:49.560
got such expertise on this, but
for the average person listening to this,

1445
01:57:49.680 --> 01:57:57.439
what you're saying is if somebody disparages
somebody and then you are sued for that

1446
01:57:57.680 --> 01:58:01.079
or you are in trouble for that, You're insurance covers your homeowners. Your

1447
01:58:01.119 --> 01:58:08.079
homeowners covers you for that, covers
your defense and the damages if you have

1448
01:58:08.239 --> 01:58:13.920
the coverage, like right, Jeremy
correct? And what would be the reasoning

1449
01:58:14.000 --> 01:58:16.479
for the injury? You mean,
why was it institution to begin with?

1450
01:58:16.920 --> 01:58:19.880
I don't know. That's a good
question. I can see why they would

1451
01:58:19.960 --> 01:58:25.880
cover somebody getting hurt on your property, or why they would cover somebody falling

1452
01:58:25.960 --> 01:58:29.279
down your stairs, or why they
would cover stuff like that. But it

1453
01:58:29.439 --> 01:58:31.319
is a good question. How did
that ever come about? Where that became

1454
01:58:31.399 --> 01:58:38.439
part of homeowner's insurance? It is
a good question. I think the I

1455
01:58:38.520 --> 01:58:43.359
mean, I don't know. Originally, I think where you're seeing the personal

1456
01:58:43.479 --> 01:58:48.600
injury being listed separately comes from a
need. So as there is more of

1457
01:58:48.680 --> 01:58:55.640
a likely that you know, there's
just more frequency of claims. It's kind

1458
01:58:55.640 --> 01:59:00.119
of getting it's meeting that need.
Now. I don't know how long personal

1459
01:59:00.199 --> 01:59:03.760
injury has you know, for different
companies, just been a part of their

1460
01:59:03.840 --> 01:59:08.760
liability, right, But it's a
lawsuit, right, so it's like we

1461
01:59:09.039 --> 01:59:13.399
use typical the dog bit someone and
kid fell off the trampoline, you know

1462
01:59:13.479 --> 01:59:18.640
whatever these liability cases on a home
are. But you know, with social

1463
01:59:18.720 --> 01:59:24.159
media, we're just seeing such an
uptick in it. They've broken out that

1464
01:59:24.319 --> 01:59:29.960
cover same as sewer line, right
like forever sewer lines weren't covered. There

1465
01:59:30.079 --> 01:59:33.680
is a need for it, and
insurance companies have found a way to add

1466
01:59:33.840 --> 01:59:39.800
that onto the policy. Jeremy,
thank you so much. He's hold on

1467
01:59:39.960 --> 01:59:43.000
real quick. Ross. What is
your question for Jeremy, Maybe he'll answer

1468
01:59:43.000 --> 01:59:45.760
it right now, go ahead.
A quick question in relation to yesterday's show,

1469
01:59:46.479 --> 01:59:50.359
having for example, three claims in
a five year period and probably being

1470
01:59:50.479 --> 01:59:56.680
dropped. If I have a home
insurance in one year and a car in

1471
01:59:56.760 --> 02:00:00.720
a second year, is that considered
two claims or is that is it one?

1472
02:00:00.439 --> 02:00:05.520
Is it, Jeremy, if they're
bundled together by the same company and

1473
02:00:05.680 --> 02:00:12.359
you have homeowners and car insurance with
the same company and you have that's a

1474
02:00:12.399 --> 02:00:15.239
good question. But you have claims
on you know, the house and the

1475
02:00:15.359 --> 02:00:21.720
car. Are they bundled together as
a high risk No, where you would

1476
02:00:21.760 --> 02:00:25.600
get into trouble potentially. So no, the answer. If you had two

1477
02:00:25.720 --> 02:00:30.840
home claims and an auto claim,
they're not looking at it as three claims,

1478
02:00:30.000 --> 02:00:33.880
right, Okay, separate In that
regard. We're seeing more and more

1479
02:00:34.000 --> 02:00:39.000
companies where they will only ensure your
home if you also have the auto.

1480
02:00:39.560 --> 02:00:43.239
So you could have a really bad
driving record and they drop you from the

1481
02:00:43.399 --> 02:00:46.000
auto and then in turn, now
you're not eligible for the home. But

1482
02:00:46.079 --> 02:00:51.439
the claims are separate as far as
that goes. Some companies do treat homeowners

1483
02:00:51.680 --> 02:00:58.800
and rental property claims all together for
eligibility, so that's a whole different thing.

1484
02:00:58.880 --> 02:01:01.439
But when we're talking about home an
auto, they are separate. All

1485
02:01:01.520 --> 02:01:04.439
right, Well, thank you,
I mean Ross, that's a good question.

1486
02:01:04.720 --> 02:01:09.239
So three claims in five years?
You know, Like I said that,

1487
02:01:09.479 --> 02:01:14.680
this whole insurance industry I think needs
needs a whole complete reorganization. The

1488
02:01:14.760 --> 02:01:17.680
way the way they can take payments
and I again I'm not gonna preach,

1489
02:01:17.760 --> 02:01:23.319
but for thirty years they can take
you know, payments from people and then

1490
02:01:23.600 --> 02:01:26.880
cancel them. You know it just
seems weird, but anyway, thank you,

1491
02:01:27.000 --> 02:01:29.840
Jeremy. That's not what you guys. You guys simply sell the stuff

1492
02:01:29.880 --> 02:01:32.079
and help people. And if you
want an insurance check up, that's three

1493
02:01:32.119 --> 02:01:43.920
oh three nine nine six nine thousand
more coming right up, Yeah, dum

1494
02:01:46.760 --> 02:01:53.199
so you don't have to run in. Just as fast as we can.

1495
02:01:54.479 --> 02:02:01.199
Shooter's gonna help. Come. Dix
is the troubleshooter shore No Tom Martinez,

1496
02:02:02.239 --> 02:02:05.359
Tom Martino here at three all three
seven one three talk seven one three eight

1497
02:02:05.399 --> 02:02:08.640
two five five. What's on your
mind? How can we help you?

1498
02:02:09.039 --> 02:02:13.079
Give us a call and we would
be happy to discuss your consumer problem,

1499
02:02:13.239 --> 02:02:16.640
question or complain. If you've been
in trouble and you've gotten ripped off.

1500
02:02:16.760 --> 02:02:20.319
If you need help with something,
call us. We got all kinds of

1501
02:02:20.399 --> 02:02:27.159
information. This hour brought to you
by frankarandrealestate man dot com for free market

1502
02:02:27.359 --> 02:02:30.439
valuations or analyzes of your home,
if you want to know what it will

1503
02:02:30.479 --> 02:02:33.760
self, for what you can buy, He'll do it all free of charge,

1504
02:02:33.840 --> 02:02:38.439
honest to god, right down to
every market aspect your house, your

1505
02:02:38.520 --> 02:02:41.600
comps. And why does he do
it? Because he wants to gain market

1506
02:02:41.720 --> 02:02:44.600
knowledge and he hopes if you ever
do list, you might list with him,

1507
02:02:44.680 --> 02:02:49.039
although there is absolutely no obligation.
Frankaranderealestate Man dot com three all three

1508
02:02:49.119 --> 02:02:53.880
nine two zero sixteen twenty two.
Another thing, we got a few free

1509
02:02:54.119 --> 02:02:58.239
UH memberships we're giving away for fix
at twenty four to seven. And I

1510
02:02:58.399 --> 02:03:00.960
call it the whatever it's called,
well, I call it the it's for

1511
02:03:01.600 --> 02:03:05.560
service. It's a club. It's
it's something you belong to, a loyalty

1512
02:03:05.640 --> 02:03:10.000
club where you pay a small amount
every month. Although now we're giving away

1513
02:03:10.279 --> 02:03:14.119
a couple of free ones we've given
away. Yeah, just for us,

1514
02:03:14.279 --> 02:03:16.279
right, just for our listeners.
So if you call after the show,

1515
02:03:16.279 --> 02:03:19.920
it ain't going to work. So
you call seventy zero five two six thirty

1516
02:03:20.000 --> 02:03:24.119
nine thirty nine, say you want
the free What club do you call it?

1517
02:03:24.159 --> 02:03:26.279
What do you guys call it?
I always call it the Green Bubble

1518
02:03:26.319 --> 02:03:28.720
Club. What do you call it? I like Green Bubble Club. It's

1519
02:03:28.720 --> 02:03:30.479
a green club. It's a green
club. So you join, you get

1520
02:03:30.520 --> 02:03:38.199
priority pricing, priority appointments, discounts
on any replacements, plus four major services

1521
02:03:38.239 --> 02:03:43.279
a year. Like your power panel. You're going through completely your water heater,

1522
02:03:43.560 --> 02:03:47.359
including a flush, your hvac in
the prior to winter and your air

1523
02:03:47.439 --> 02:03:54.079
conditioning prior summer. Those services.
Now, that's so you can get some

1524
02:03:54.159 --> 02:03:56.760
free ones. Now, after we
give away all the free ones, we'll

1525
02:03:56.800 --> 02:03:59.560
let you know about a special deal
as well. But why wouldn't you get

1526
02:03:59.560 --> 02:04:02.439
it free for fix myhome dot Com
seventy zero five two six thirty nine thirty

1527
02:04:02.520 --> 02:04:06.560
nine. Jeremy, I got some
questions about insurance after we had that discussion

1528
02:04:06.680 --> 02:04:11.039
earlier in the show. By the
way, this is Jeremy, our insurance

1529
02:04:11.079 --> 02:04:15.479
expert at Compass Insurance Group. So
here's the deal. We said, you

1530
02:04:15.560 --> 02:04:19.600
can own a car, and there
are plenty of people who are older,

1531
02:04:19.880 --> 02:04:23.720
they can't drive anymore, but they
own a car and they want to insure

1532
02:04:23.760 --> 02:04:28.560
it. And then they have designated
drivers or permissive drivers from time to time

1533
02:04:28.960 --> 02:04:32.960
to help them out. And somebody
said this was very enlightening. They didn't

1534
02:04:33.000 --> 02:04:35.600
know that their mom has a car
and they want to use it, so

1535
02:04:35.720 --> 02:04:40.439
they were very happy to know that. So I'm looking for my text skin

1536
02:04:40.479 --> 02:04:45.960
I'm sorry, okay, And then
on that note, somebody asked car insuredfully,

1537
02:04:46.359 --> 02:04:49.600
my brother, me and my sister
hold on okay, So they want

1538
02:04:49.640 --> 02:04:57.479
to know this she can no longer
drive, this is mom, And then

1539
02:04:58.039 --> 02:05:01.640
how many of us have to be
insured of the siblings, because do we

1540
02:05:01.720 --> 02:05:04.720
have to like ensure every one of
them on the on the policy? How

1541
02:05:04.720 --> 02:05:11.039
does that work? Yeah, that's
a good question, and I think it's

1542
02:05:11.079 --> 02:05:15.520
important to know. Really people should
talk to the agent or the company because

1543
02:05:15.520 --> 02:05:18.800
there is going to be some variants
from company to company, so all this

1544
02:05:19.239 --> 02:05:26.000
pergy kind of generalized. Companies typically
are going to want people who have any

1545
02:05:26.119 --> 02:05:30.439
kind of regular access or regular use
to be on there. So if you

1546
02:05:30.520 --> 02:05:34.560
have four siblings and you know,
one of them takes the parent to the

1547
02:05:34.640 --> 02:05:39.920
doctor's appointment every Monday and another one
takes them to a different one every Thursday,

1548
02:05:40.359 --> 02:05:42.680
you know, maybe those two need
to be added, and then the

1549
02:05:42.760 --> 02:05:45.359
other two it's really kind of a
you know, once in a while thing.

1550
02:05:45.520 --> 02:05:48.520
Then maybe that company is going to
want those two to be added.

1551
02:05:48.640 --> 02:05:53.600
I think the important thing is to
just communicate that because a lot of times

1552
02:05:53.680 --> 02:05:59.840
people don't and just kind of hope
for the best, and that's not something

1553
02:06:00.000 --> 02:06:02.000
you would typically right, Okay,
And then in line with that, I

1554
02:06:02.079 --> 02:06:06.039
got another text and by the way, people I should mention this at the

1555
02:06:06.119 --> 02:06:12.279
beginning of the show. In addition
to texting us to the iHeart texting app

1556
02:06:12.359 --> 02:06:16.159
which is five seven seven thirty nine
and putting Tom there, you can also

1557
02:06:16.279 --> 02:06:20.079
text my Google number. That's where
these are coming through seven four seven,

1558
02:06:23.439 --> 02:06:26.199
And I have a question, is
there a such thing that somebody wants to

1559
02:06:26.239 --> 02:06:30.239
know as an open policy? Can
they have an open So they don't if

1560
02:06:30.279 --> 02:06:39.920
they have caretakers and things. So
those aren't as typical on personal lines as

1561
02:06:40.000 --> 02:06:45.560
they are typically in a commercial lines
policy. So it really more comes down

1562
02:06:45.680 --> 02:06:54.640
to how a company's defining their permissive
use in their contract. So permissive use

1563
02:06:54.800 --> 02:06:58.720
is typically going to be something where
your neighbor needs to borrow your truck to

1564
02:06:58.800 --> 02:07:01.359
go to home depot, So that's
fine. You don't need to add your

1565
02:07:01.399 --> 02:07:05.880
neighbor to your insurance policy to borrow
your car. Most companies, if not

1566
02:07:06.079 --> 02:07:12.880
all, at this point, are
excluding permissive use from any drivers in the

1567
02:07:12.960 --> 02:07:15.680
house. So a lot of times
it comes down to household. But as

1568
02:07:15.720 --> 02:07:20.640
far as a specific open policy,
those aren't really something we see on personal

1569
02:07:20.680 --> 02:07:25.800
okay, the way you can see
on commercial Now, next question. Having

1570
02:07:26.319 --> 02:07:30.479
this sparked some kind of a nerve
here because I guess a lot of people

1571
02:07:30.520 --> 02:07:34.319
have elderly folks and stuff, they
have cars. Somebody wants to know,

1572
02:07:34.880 --> 02:07:41.920
if my brother lives with my mom
still and he's forty, and he's not

1573
02:07:42.279 --> 02:07:45.479
he's a licensed driver, does she
have to have him on the policy because

1574
02:07:45.600 --> 02:07:49.039
he lives there. Now, this
is a good topic because we always talk

1575
02:07:49.079 --> 02:07:56.560
about parents when their kids become the
driving age and have licenses, their insurance

1576
02:07:56.720 --> 02:08:03.840
changes because you have to tell your
insurance company, right correct. Okay,

1577
02:08:03.960 --> 02:08:07.439
so does that work for an adult
child like this guy that's forty years old

1578
02:08:07.560 --> 02:08:11.960
living with his mom. This is
really I know I say this all the

1579
02:08:11.039 --> 02:08:16.159
time, but this really is company
specific. So with even our companies,

1580
02:08:16.000 --> 02:08:22.119
most of ours at this point would
require that. So he's forty, he

1581
02:08:22.239 --> 02:08:26.680
has his own insurance, if he
lives in mom's house or whoever it could

1582
02:08:26.680 --> 02:08:30.840
be, you know, his brothers, anyone's that company is going to want

1583
02:08:30.920 --> 02:08:33.399
him to be listed or excluded as
a driver. Now. I definitely have

1584
02:08:33.520 --> 02:08:37.880
some companies that don't that will say, hey, he's got his own car,

1585
02:08:39.039 --> 02:08:43.720
he his own insurance. That's fine. We may have him listed on

1586
02:08:43.800 --> 02:08:46.279
there, but they're not rating him
for it. So this one really is

1587
02:08:48.800 --> 02:08:52.119
company specific. And if you're with
and I see this all the time even

1588
02:08:52.199 --> 02:08:54.600
with my clients where they'll call up
and let's say they're with a company that

1589
02:08:54.760 --> 02:08:58.279
does require that, and the rate
goes up a bunch, and it's like,

1590
02:08:58.399 --> 02:09:03.560
why are they paying because they live
together and now they have to pay

1591
02:09:03.680 --> 02:09:05.479
more money. This guy's yeah,
he's living in the house, but he

1592
02:09:05.560 --> 02:09:09.239
has his own car. We will
move them to a company that maybe doesn't

1593
02:09:09.319 --> 02:09:13.960
require that. So that's a big
one where if you're in that situation,

1594
02:09:16.199 --> 02:09:20.880
verify how your company's going to handle
that or require that to be and if

1595
02:09:20.920 --> 02:09:24.520
it doesn't line up for you,
that's a great time to look elsewhere to

1596
02:09:24.680 --> 02:09:26.720
go to a company that's not going
to have that requirement. All right.

1597
02:09:26.880 --> 02:09:30.199
Now, along the same vein,
let me go to the next one.

1598
02:09:30.640 --> 02:09:35.319
Will my insurance cover me if I'm
driving Mom's car and she doesn't have medpay

1599
02:09:35.439 --> 02:09:46.000
but I do. Your MED pay
can potentially extend if if the driver's policy

1600
02:09:46.159 --> 02:09:54.800
doesn't have it. That's a tough
one because the MED pay is really more

1601
02:09:54.960 --> 02:09:58.760
in the vehicle. We've seen that
pay on someone's insurance pay out like as

1602
02:09:58.760 --> 02:10:03.039
a descreen. So it's not something
I'd go as far as to say yes,

1603
02:10:03.159 --> 02:10:05.920
it would, but it would be
a potential to look to see if

1604
02:10:05.920 --> 02:10:11.279
there's coverage. Okay, now on
ride shares, this is my question.

1605
02:10:11.880 --> 02:10:16.279
This is not a text. I
know we have coverages that extend to our

1606
02:10:16.359 --> 02:10:20.279
rental cars if we have a good
enough policy, So when we go on

1607
02:10:20.399 --> 02:10:26.720
vacation and rent a car, whatever
we have on our personal car can extend

1608
02:10:26.800 --> 02:10:31.720
to a rental car. Right,
Okay, does any coverage extend to ride

1609
02:10:31.800 --> 02:10:37.359
share? Let's say I have a
way cool? Well, I mean I

1610
02:10:37.399 --> 02:10:41.800
don't know. Let's see if even
under insured or uninsured, and let's say

1611
02:10:43.039 --> 02:10:48.000
ride share or whoever hit ride share
or any of them aren't adequate for my

1612
02:10:48.199 --> 02:10:52.199
needs. Can I go to my
own policy for under insured, uninsured or

1613
02:10:52.520 --> 02:11:01.119
medpay? Yeah, you could,
I don't know. The medpay would be

1614
02:11:01.199 --> 02:11:07.479
a lot more likely where you can
see coverage from that. The uninsured motorists,

1615
02:11:09.079 --> 02:11:13.520
it could act as a backup,
a secondary if there wasn't enough coverage

1616
02:11:13.600 --> 02:11:22.039
or potentially not no coverage. But
there's so many factors that go into that

1617
02:11:22.199 --> 02:11:26.880
that it's not something where I'd say
absolutely, but I do think you it

1618
02:11:26.920 --> 02:11:31.439
would be somewhere to look to get
coverage in that situation. Okay. And

1619
02:11:33.279 --> 02:11:41.399
on homeowner's insurance, when when when
the homeowner is insured for personal injury,

1620
02:11:41.479 --> 02:11:48.920
what does that mean? So personal
injury on homeowner's insurance is actually libel and

1621
02:11:48.039 --> 02:11:52.319
slander. So yeah, that's what
people. That's what this one person is

1622
02:11:52.439 --> 02:11:58.119
confused about because they they happened to
notice that, so they wanted to know

1623
02:11:58.239 --> 02:12:03.000
what is and like you getting hurt, it's not okay, So explain when

1624
02:12:03.079 --> 02:12:11.560
you would use that coverage from your
homeowners. Let's say you go on Facebook

1625
02:12:11.640 --> 02:12:15.000
and say something about someone and they
sue you for it, or your kids

1626
02:12:15.079 --> 02:12:18.640
do or something like that. It's
become a lot more prevalent with social media

1627
02:12:20.399 --> 02:12:24.279
to the point where we're seeing a
lot of companies, so that's a liability

1628
02:12:24.399 --> 02:12:28.760
coverage, just like if your dog
bites someone or whatever the case may be.

1629
02:12:28.560 --> 02:12:33.880
But with social media being so prevalent
now and this claim being so prevalent,

1630
02:12:33.039 --> 02:12:39.560
a lot of companies have separated that
liability from the general liability coverage that

1631
02:12:39.760 --> 02:12:45.119
comes on there. And the reason
they'll do that is either they're not going

1632
02:12:45.199 --> 02:12:48.479
to cover it, they're going to
cover it for a lower limits. I'll

1633
02:12:48.479 --> 02:12:52.439
see a lot of deck pages that
people send in or they might have five

1634
02:12:52.520 --> 02:12:56.680
hundred thousand in liability, but then
the personal injury might be twenty five thousand

1635
02:12:56.920 --> 02:13:01.960
or fifty thousand. So it's the
insurance company saying, hey, this is

1636
02:13:01.039 --> 02:13:05.199
becoming way more common than it was
in the past, and so we're not

1637
02:13:05.239 --> 02:13:09.319
getting included in the general liability.
Let's explain that specifically. Let's explain that

1638
02:13:09.399 --> 02:13:16.119
specifically. What we're talking about is
the trouble you get into for calling people

1639
02:13:16.159 --> 02:13:18.920
out. And I want to if
you hang on, because this is really

1640
02:13:18.000 --> 02:13:22.199
important. This is something, like
you said, is happening more now than

1641
02:13:22.560 --> 02:13:26.119
ever, and a lot of people
don't even know they have that coverage.

1642
02:13:26.520 --> 02:13:31.359
One guy even had to fight with
his neighbor. His neighbor sued him for

1643
02:13:31.600 --> 02:13:37.199
saying something about him, and he
said he went through his entire case and

1644
02:13:37.359 --> 02:13:41.279
realized he could have been paid by
his homeowners. He wants to know can

1645
02:13:41.359 --> 02:13:43.920
he go back and get paid retroactively? But I want to talk about that

1646
02:13:45.039 --> 02:13:48.560
coming up three three, seven,
one, three eight, two five five

1647
02:13:54.359 --> 02:13:58.600
Go with a sure thing Denver's Best
rufer excel roofing dot com. You don't

1648
02:13:58.640 --> 02:14:05.199
pay a cent until your tenth time
for an insurance check up free no obligation

1649
02:14:05.319 --> 02:14:11.600
comparison call Compass Insurance. Paying too
much your coverage at dozens of insurance companies

1650
02:14:11.720 --> 02:14:15.119
find out now three oh three seven
seven to one help. You'll think you're

1651
02:14:15.199 --> 02:14:18.039
his only customer when you choose Frank
durand the real estate Man dot com to

1652
02:14:18.159 --> 02:14:22.840
list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

1653
02:14:24.359 --> 02:14:28.359
Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You

1654
02:14:28.439 --> 02:14:35.600
don't pay a cent until you're contenth
time for an insurance check up free no

1655
02:14:35.720 --> 02:14:41.159
obligation comparison call Compass Insurance. Pay
too much your coverage at dozens of insurance

1656
02:14:41.199 --> 02:14:43.920
companies find out now three oh three
seven seven to one help. You'll think

1657
02:14:43.960 --> 02:14:48.760
you're his only customer when you choose
Frank durand the real estate Man dot com

1658
02:14:48.000 --> 02:14:52.640
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

1659
02:14:52.680 --> 02:15:09.880
two. Don't miss out on TI
earning your gas expenses into something rewarding Troubleshooter

1660
02:15:09.960 --> 02:15:15.520
three three seven one three Talks seven
one three eight two five five Real Quick.

1661
02:15:15.600 --> 02:15:18.640
Dan McKenzie is also an estate planning
attorney. We Love McKenzie Law and

1662
02:15:18.880 --> 02:15:24.279
he does some very creative things on
passing on assets and stuff. He he

1663
02:15:24.439 --> 02:15:28.479
sometimes uses LLCs in place of trust, but he does full trusts and wills

1664
02:15:28.520 --> 02:15:33.000
as well. If you want some
personal attention, he is a boutique law

1665
02:15:33.079 --> 02:15:37.079
firm and takes care of you personally. I like the way he does business.

1666
02:15:37.199 --> 02:15:39.840
Dan McKenzie McKenzie Law. You can
find him on referralss dot com.

1667
02:15:41.239 --> 02:15:50.319
Eight three three co plans eight three
three co plans. Okay, so we

1668
02:15:50.439 --> 02:15:56.039
have some questions here. Gally has
a question or has a problem with Renewal

1669
02:15:56.119 --> 02:16:03.680
by Anderson. Gally, what's going
on? Gali? Sure hear me?

1670
02:16:03.199 --> 02:16:07.960
Yeah, what's happening? Gally?
Oh? Hi, good afternoon. How

1671
02:16:07.000 --> 02:16:11.520
are you. I'm doing good?
What's going on? Oh gosh? Thank

1672
02:16:11.560 --> 02:16:16.720
you for taking the time to talk
to me. I we purchased windows from

1673
02:16:16.800 --> 02:16:24.399
Renewal Anderson back in twenty nineteen.
Okay, now usually again again, I

1674
02:16:24.439 --> 02:16:28.560
don't have any special connection to them, but they're a pretty good brand name.

1675
02:16:30.600 --> 02:16:33.520
I wouldn't recommend them, Tom,
but really tell me what's going on.

1676
02:16:33.959 --> 02:16:37.520
Yeah, so you know, we
have a nineteen sixties home. We

1677
02:16:37.639 --> 02:16:43.520
had the original windows. So in
twenty twenty one we came home and our

1678
02:16:43.559 --> 02:16:48.239
big window had about thirty flies on
the window. Now, wait a minute,

1679
02:16:48.280 --> 02:16:54.600
you bought these in twenty nineteen.
Mm hmm okay, and then when

1680
02:16:54.639 --> 02:16:58.840
you came home and then you said
you had a bunch of flies on your

1681
02:16:58.879 --> 02:17:05.040
window. Yep, okay. I
called renewal and I said, there's flies

1682
02:17:05.120 --> 02:17:11.440
getting in through our main window.
They came out fixed. The issue.

1683
02:17:11.079 --> 02:17:13.399
Now where was when? When?
When you say fake, where were the

1684
02:17:13.440 --> 02:17:18.079
flies getting in? I'm curious,
that's a great question. He just said

1685
02:17:18.200 --> 02:17:24.079
he puts something that was missing into
I don't I honestly don't know the trim

1686
02:17:24.920 --> 02:17:28.840
somewhere. He said, they're getting
in through there. So this is around

1687
02:17:28.879 --> 02:17:33.440
where they put the Was this a
fixed window or was this an open window

1688
02:17:33.479 --> 02:17:39.920
that opens and closes, opens and
it's a sliding okay, and so around

1689
02:17:39.000 --> 02:17:43.920
the frame probably, uh, there
were they were seeping in through there.

1690
02:17:45.239 --> 02:17:50.239
Yep. So that got resolved the
next year, same around the same time.

1691
02:17:50.319 --> 02:17:54.200
It's always around, you know,
summer. Now we've had ants coming

1692
02:17:54.319 --> 02:18:01.639
in through that same main big window. We've I've had about six service calls

1693
02:18:01.760 --> 02:18:05.639
for them to come. Now,
is it always this one window where this

1694
02:18:05.799 --> 02:18:11.440
is happening? Yes, yep.
I have tons of pictures right now,

1695
02:18:11.559 --> 02:18:20.239
there's a felt. Okay, how
many windows did you have replaced with renewed?

1696
02:18:20.760 --> 02:18:30.079
I had, let's see one four
and this is the only one giving

1697
02:18:30.159 --> 02:18:37.600
you trouble. Yes, okay,
now you had them. They came out

1698
02:18:37.840 --> 02:18:45.600
and sealed around the window once,
and then you had ants after that mm

1699
02:18:45.680 --> 02:18:50.079
hmm. Every year since then and
each time they get But what I want

1700
02:18:50.120 --> 02:18:54.959
to know is this, is this
something they did wrong? Well, that's

1701
02:18:56.000 --> 02:19:01.159
what I'm trying to tell them is
there's obviously something wrong withinstallation or just with

1702
02:19:01.280 --> 02:19:05.159
the window itself that's allowing these ants
to come in. They're not only coming

1703
02:19:05.239 --> 02:19:09.799
into the window, but they're coming
into my home. I woke up.

1704
02:19:09.360 --> 02:19:13.280
We don't have a big house,
so they're going into our kitchen, our

1705
02:19:13.319 --> 02:19:18.360
bathroom from this window, and even
in my bed. I wake up with

1706
02:19:18.479 --> 02:19:22.520
one crawling in my ear three weeks
ago. Are they only getting in there

1707
02:19:24.520 --> 02:19:30.399
through that window? Yeah? Yes, scaly. Did you have an exterminator

1708
02:19:30.479 --> 02:19:35.159
come out? Yes, they've come
out. We've had the extreme. Well

1709
02:19:35.200 --> 02:19:39.200
what does an exterminator say. They're
usually pretty good at seeing what's going on.

1710
02:19:39.600 --> 02:19:45.559
What does the exterminator say, Well, the exterminator. Well, part

1711
02:19:45.600 --> 02:19:50.719
of what Renewal is telling me is
that in twenty nineteen when they replaced this

1712
02:19:50.879 --> 02:19:54.920
window, they quote unquote disrupted the
ants that were in the wall. But

1713
02:19:56.079 --> 02:19:58.959
that wouldn't be there, that wouldn't
be their fault though that that wouldn't really

1714
02:20:00.440 --> 02:20:03.479
See. What I'm getting at is
this, if your house had that problem

1715
02:20:03.000 --> 02:20:09.479
and they if they simply installed the
window, and they did it properly in

1716
02:20:09.600 --> 02:20:13.360
a way, in a way,
they're not really responsible for that unless they

1717
02:20:13.479 --> 02:20:18.200
did something to contribute to it.
So what do you think they did wrong?

1718
02:20:18.840 --> 02:20:24.879
If we had to pin it up? There's never been ants that I've

1719
02:20:24.959 --> 02:20:28.479
lived at this hometown for eleven years. I've never had ants come through that

1720
02:20:28.559 --> 02:20:33.319
window with the original No, I
know what you're saying, What the hell

1721
02:20:33.399 --> 02:20:35.799
could they have done? Though?
That's what I don't understand. Do they

1722
02:20:35.920 --> 02:20:41.360
give you any idea of what's going
on. No, they're blaming it on

1723
02:20:41.559 --> 02:20:46.399
that I have house plans. They're
blaming it on everything, but the window.

1724
02:20:46.559 --> 02:20:50.479
I had an exterminator come out Tuesday
afternoon and she saw the ants coming

1725
02:20:50.520 --> 02:20:56.719
through the screen. There's through the
what they're not the screen? But where

1726
02:20:56.840 --> 02:21:01.159
okay? But but where are they
Okay, it has to be around the

1727
02:21:01.319 --> 02:21:03.879
frame they're getting in. Is it
calked around there? I mean, do

1728
02:21:05.000 --> 02:21:09.120
you actually see where they're coming in? Yes, My mom's husband is in

1729
02:21:09.559 --> 02:21:13.559
roofing and he was just over there
because again we have twenty okay, so

1730
02:21:13.680 --> 02:21:20.280
what does what does your mom's husband
say? So he saw the hole where

1731
02:21:20.440 --> 02:21:24.280
in the screen, and then he
said there's something about with the trim or

1732
02:21:24.360 --> 02:21:28.639
the panel that's loose, and he's
seeing them go under there and go in

1733
02:21:28.959 --> 02:21:33.799
to the window. So I mean
from outside on the wall they go through

1734
02:21:35.079 --> 02:21:39.159
and get in, right. The
exterminator said, it's nothing that there's not

1735
02:21:39.399 --> 02:21:43.959
ants in the wall. They are
coming from outside. She okay, okay,

1736
02:21:45.079 --> 02:21:50.680
Well an exterminator would know that.
So the ants are crawling inside from

1737
02:21:50.760 --> 02:21:56.639
the outside through because it's not sealed
properly mm hmm. And there's malfunction like

1738
02:21:56.719 --> 02:22:03.879
the window and the screen itself.
There's there's an opening there and each technician

1739
02:22:03.959 --> 02:22:07.920
has missed it obviously because they're still
coming in through the window. Well,

1740
02:22:07.000 --> 02:22:11.280
this is so odd, Gailic.
This is really odd. Tom. If

1741
02:22:11.319 --> 02:22:16.639
the exterminator was able to identify where
they're coming in from, then the she

1742
02:22:16.760 --> 02:22:20.000
can she should be able to point
out to the technician where the where the

1743
02:22:20.120 --> 02:22:24.840
defect is. Have you done that, Gailey? They don't call me back.

1744
02:22:24.920 --> 02:22:28.280
That's why I'm trying to get a
hold of somebody. Mercy of them.

1745
02:22:28.600 --> 02:22:31.399
They don't call you can have somebody. We can have somebody help you

1746
02:22:31.440 --> 02:22:37.159
out. Thank you. I mean, we're we'll call over there. They're

1747
02:22:37.239 --> 02:22:39.959
not a bad company. And and
again, it's not a defective window.

1748
02:22:41.600 --> 02:22:45.719
It's an installation. And again I
don't want people thinking I have any special

1749
02:22:46.000 --> 02:22:48.239
allegiance or any kind of I don't
know these people, but I know that

1750
02:22:48.520 --> 02:22:54.000
it's a pretty damn good window,
and usually I don't. I just think

1751
02:22:54.079 --> 02:22:58.879
it might be some kind of installation. Who did the installation for you?

1752
02:22:58.000 --> 02:23:07.200
What company? Renewal? It was
actually called Renewal renewed by Anderson. Okay,

1753
02:23:07.040 --> 02:23:11.000
who can we get Kaschina. Let's
give this to somebody, but let

1754
02:23:11.079 --> 02:23:13.959
me know who, because I don't
want to load up anyone more than we

1755
02:23:15.079 --> 02:23:18.399
can probably give this a dollar.
Yeah, I think so. I mean,

1756
02:23:18.520 --> 02:23:22.559
the the bottom line is, let's
just see what the heck's going on.

1757
02:23:22.879 --> 02:23:26.200
We may have to have our people
at K and H go over and

1758
02:23:26.280 --> 02:23:31.600
look at the installation or something,
because listen, it can't be unsolvable.

1759
02:23:31.719 --> 02:23:37.920
For goodness sakes, now, listen, I mentioned I mentioned that fix it

1760
02:23:37.000 --> 02:23:41.600
had free memberships. We're done with
the free memberships now. However, till

1761
02:23:41.680 --> 02:23:46.440
the end of the day, we
will have a special on memberships that gives

1762
02:23:46.479 --> 02:23:52.000
you four services a year. That's
the HVAC, the AC they furnace,

1763
02:23:52.079 --> 02:23:56.399
the AC, the electrical panel,
and the water heater every year for services,

1764
02:23:56.479 --> 02:24:01.799
plus priority appointments and prior preaty pricing
and discounts on replacements. How much

1765
02:24:01.879 --> 02:24:05.440
a month? If they call,
they got to mention Martino, I have

1766
02:24:05.520 --> 02:24:07.760
to say, Martinez before the end
of the day. What are we calling

1767
02:24:07.840 --> 02:24:11.799
the end of the day? Five
four think five o'clock three time? How

1768
02:24:11.879 --> 02:24:15.079
much will will they get us at
fourteen ninety five? It's normally twenty nine

1769
02:24:15.120 --> 02:24:16.920
nine, Okay, fourteen ninety five
a month is screaming deal. Yes,

1770
02:24:18.000 --> 02:24:22.280
and you, of course you're not
obligated for any long term agreements. So

1771
02:24:22.399 --> 02:24:24.959
it's fourteen ninety five a month.
That's pretty damn good. And that's fixed

1772
02:24:26.040 --> 02:24:30.680
myihome dot com seven two zero five
two six thirty nine thirty nine go with

1773
02:24:30.799 --> 02:24:33.920
a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a

1774
02:24:35.040 --> 02:24:41.239
cent until you're content. Time for
an insurance check up free, no obligation.

1775
02:24:41.319 --> 02:24:46.719
In comparison, call Compass Insurance paying
too much your coverage at dozens of

1776
02:24:46.799 --> 02:24:50.319
insurance companies find out now three all
three seven to seven to one. Help.

1777
02:24:50.520 --> 02:24:54.079
You'll think you're his only customer when
you choose Frank durand the real estate

1778
02:24:54.159 --> 02:24:58.559
Man dot com to list your home
with Remax Alliance three all three nine two

1779
02:24:58.639 --> 02:25:03.079
zero sixteen twenty two. Shooter,
Katie, what's going on with Little Tin

1780
02:25:03.200 --> 02:25:11.920
Auto? Hi? Katie, what's
going on? Hi? What's happening in

1781
02:25:13.079 --> 02:25:20.239
here? One second? Yeah,
So there was a gentleman that reached out

1782
02:25:20.280 --> 02:25:24.200
to me on next door. Well, actually I reached out to him on

1783
02:25:24.319 --> 02:25:30.200
next door. It was a guy
named Chris who you spoke with. And

1784
02:25:30.319 --> 02:25:35.479
I believe you guys were live with
Little Tinado. I don't know, I

1785
02:25:35.559 --> 02:25:39.360
don't remember it right now, but
go ahead, go ahead, okay,

1786
02:25:39.719 --> 02:25:46.959
okay. So one of my stepsons
we ended up for graduation, getting him

1787
02:25:48.239 --> 02:25:52.920
a rebuilt engine, and we decided
to do the work with Little Tin Auto.

1788
02:25:54.559 --> 02:25:56.239
Now, when you say decided to
do the work. What was that

1789
02:25:56.440 --> 02:26:01.159
for the installation? Yes? Sorry, let me rephrase. Sorry. I

1790
02:26:01.200 --> 02:26:03.520
did a little nervous because I'm one
no, no, go ahead and I'm

1791
02:26:03.559 --> 02:26:09.840
sorry. So no, it's okay. So my stepsn's truck had some issues.

1792
02:26:11.159 --> 02:26:16.159
So my husband and I decided,
Hey, let's go ahead and research

1793
02:26:16.639 --> 02:26:22.159
either a new engine or an engine
rebuild. So we reached out to Littleton

1794
02:26:22.239 --> 02:26:28.840
Auto Repair in Littleton and worked with
a guy named Dave Garlic and got a

1795
02:26:28.959 --> 02:26:35.879
quote. It was around thirteen thousand
or something like that. Now was that

1796
02:26:35.079 --> 02:26:39.319
for the So they were going to
source the engine, plus they were going

1797
02:26:39.479 --> 02:26:43.280
to install it. Okay, hold
on, hey, Kachina, do me

1798
02:26:43.360 --> 02:26:46.680
a favor. This is perfect.
We can start her out on card day

1799
02:26:46.760 --> 02:26:50.520
because we had the experts in and
we can ferret through this and give her

1800
02:26:50.559 --> 02:26:52.719
a lot of time. Let's do
that. Don't forget till the end of

1801
02:26:52.760 --> 02:26:56.399
the day. Fourteen ninety five.
For your membership, fixmihome dot com fix

1802
02:26:56.440 --> 02:27:00.399
at twenty four to seven and save
all your problems for me.