WEBVTT

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Yeah, ripped, you need advice
so you don't have to run in just

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as as the can Shooter's gonna help
come Man Dix is the Troubleshooter Show.

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No Tom Martino, Hi, Tom
Martino here, Welcome to the show.

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Three oh three seven one three talk
three oh three seven one three eight two

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five five. What's going on in
your life? And how can we help

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you? That's what I'm asking every
day. And all you have to do

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is call. Listen. Here's the
bottom line, call right away at the

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first sign of problems, because we
can probably avoid trouble with liars, cheats

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and ripoffs. And unfortunately there are
a lot of liars, cheats and ripoffs,

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by the way, the worst of
the worst. At Sleazbrigade dot com

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sl ea ze slez Brigade dot com. I just put up one Rizzy.

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I've been promising to put this clown
up and my headline I try to be

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creative with my headlines. I don't
know if this is how about this one?

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One Rizzi is one bad guy?
Anyway? I like that one?

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Uh Sleezbrigade dot com. One Rizzi
taken nearly a million dollars from consumers with

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little or no work one Rizzi.
Can you believe that? Now, listen

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to this. It's hard to believe
a scumbag like this is walking free one

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hundred and twenty one thousand dollars from
one couple, seven hundred thousand from another,

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hundreds of thousands. This guy walks
away with Rizzy our Zzi one Rizzy.

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I wish I had a phone number
for this clown. Sleesbrigade dot com.

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Yeah, by the way, slees
Brigade's wonderful. Now that's the worst

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of the worst. Of course,
it's the total antithesis of referral lists dot

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com, which is my good guys, my good guys like water Pros that

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give you those the wonderful water systems
at the lowest prices. And uh,

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every time I have coffee, I
think of water Pros. I know because

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I honestly God, it was the
one thing that made my coffee perfect,

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the Ververse osmosis water. Anyway,
you can get that done for fourteen hundred

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at the kitchen, saying whole house
systems starting at like two thousand. Hey,

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waterpros dot net three h three eight
six two five five five four.

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Now, if you want to call, i'd like your opinion on a few

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things. First of all, we're
going to talk a little legal stuff today

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with John Fuller. He is with
Fuller Law, and uh I also want

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to talk about some other stuff.
How is it that phenoleprine pheno efyrin,

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which has been depended on for decongesting
and for cold medications, has been found

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to be totally useless? It does
nothing? Think about that. Now,

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for the FDA to say something does
nothing, that either means it's something went

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wrong. I mean, because that's
sixteen member FDA panel. They usually love

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big pharma, but this advisory panel
unanimously voted that phenol efrine, the active

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ingredient in most cold medicines, has
zero effect zero for treating congestion. Have

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you heard of that, Deputy doc? Did you hear that? Of course

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it's been all over the news.
But how the hell? I mean,

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how did it get through? And
by the way, just so you know,

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they're still selling it still, and
the FDA could force removal, but

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they don't, not necessarily. Mostly
the FDA mostly does one thing, and

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they do it pretty well. I
don't want to down the FDA too much.

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And what they do pretty well is
what's called gross gr as GRS.

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Do you know what that stands for? Doc? I do not, And

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it's an FDA designation, generally approved, generally recognized as safe. So that's

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their number one thing. They just
don't want you putting strych nine in a

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bottle and calling it or putting some
kind of poison in a bottle in calling

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it Socrates Choice or something for infection
or something like that. You get there.

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My main beef with the FDA tom
is all the supplements that people advertise

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and they can make whatever claims they
want as long as they label it as

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a supplement or an herbal product.
And the FDA has no control over that.

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Well, they can't. They can't
tout it as a specific cure for

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anything. They can say compare to
you see, that's how they get around

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it, compared to you know,
valium. But you know, a couple

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of years ago, I think it
was sixty minutes went to a whole bunch

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of vitamin stores and checked supplements and
brought it to a lab to see what

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the ingredients were. And the range
of active ingredients in products was literally from

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ten to twenty percent, and even
some had no active ingredient. That it's

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set on the label. Well,
I think some of the biggest ripoffs are

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in supplements. Some of the biggest
ripoffs are in homeopathic remedies. And I'm

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not saying that there isn't some validity
to some of it. I'm talking about

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ripoffs and alternative medicine. But see, I believe there's ripoffs in conventional medicine

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too. But alternative medicine takes advantage
of people who are looking for an answer,

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and You're right, Doc, they
get away with a lot. Now,

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they may not do it openly and
advertise it, but when you're in

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their office and they talk about their
remedies and what they can do, it's

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a bunch of bs. And look
at I'm not a disbeliever in homeopathic remedies

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or prolo therapies which is a self
healing kind of stuff, or allipathic medicine.

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I like them all. I like
them all to a certain ext But

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you brought something up about active ingredients
that happened in the CBD business as well,

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and CBD went out like a flash, didn't it. CBD still has

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some great properties to it, but
what happened was a bunch of clowns got

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involved and ruined it, and some
really great companies got caught up in the

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static. But CBD does work.
Now here's another thing you brought up,

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ingredients. Did you hear about the
Alo controversies Alo? Well that was in

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the news too. Alo. Most
Alo products don't contain ALO, and Bloomberg

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did a study on that along with
some other independent lab and found and Bloomberg

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didn't do the study. Bloomberg hired
people to do it independent And I don't

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know why they target it Alo,
but bottom line is Alo does little well

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Alo. We don't know what Alo
does because these products they tested they don't

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have Alo in them. So think
about that. Alo Vera was not in

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most of the things tested. Alovera
was a scam. Uh so they found

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I mean I was I'm trying to
find an article now because they actually named

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brand names of Alo products that have
nothing in them. Nothing, you know,

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alcohol and other stuff. But as
far as Alo goes, it was

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a big scam. So be careful
with alo Vera products. You know that

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I think it comes from a cactus, right, and they make this cream

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and these lotions, but again they
were found to have little I'm gonna I'm

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gonna look that up and I'll find
it. Hey, Tom, And while

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we're on the subject, can I
just say something, People need to be

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really really careful about scams because now
with AI, it is so easy to

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replicate anything on the Internet that you
have to really double check. Any time

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you get any kind of message that
you're not one hundred percent sure of,

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you need to either shut off the
computer, hang up, and go to

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the website of the organization that's getting
in touch with you, because you know,

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like we talk about these groups of
course, of course, I mean

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it's you know, it's gonna be
worse. It's gonna be worse as time

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goes on. Because AI is getting
smarter and smarter and smartly. They're trying

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to they're trying to put into AI
a certain morality and that's even dangerous by

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the way. So if you go
on to AI and ask it questions,

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that is a against AI morality,
Like you know, show me something and

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it's against the narrative. Show me
why the COVID vaccine is not effective or

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has there been Can you show me
examples of where it's harmed people? It

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won't do it, it has a
serve or can you can I if I

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wanted to list things so I could
fight or against such and such a product.

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It won't do it anyway. This
New York based consumer lab dot com

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tested several ALO products from Target,
Walmart, CBS. Virtually anything they sell

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Walmart, Target, and CBS with
ALO doesn't have ALO. That that's that's

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the longest short of it. And
uh, there are just so there's just

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so much junk right now on the
market. And how does it? How

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does it happen? We don't have
the gatekeepers we think we do now that

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goes for basically anything. I mean, okay, we have John Fuller with

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us, John Fuller, Fuller Law. John, I'm going to tell you

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what happened to me one time.
God's on a story. I checked out

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a independent medical examiner, and I
am e. I went to this doctor

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and I went there because at the
time Farmers was the other person's insurance or

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something sent me there. And he
told me that he didn't even look at

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me. He came in the room
for five six seconds. I never touched

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me, just asked me some questions, had me twirl around like a model

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in a gown, and then left
and wrote up a six page report on

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how I have no injury whatsoever.
None, no injury whatsoever. That was

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an independent medical examiner, which is
really their whores, but they call themselves

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independent medical examiners. So I was
working at Channel four at the time,

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and I went back there and I
complained of certain problems. It was hard

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to get an appointment because most of
his waiting room was filled with insurance people.

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But I went as an individual patient
and guess what happened. He recommended

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all kinds of therapy. Oh,
he didn't say there was nothing wrong with

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me. Same patient, same place. In fact, they did more of

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a check up on me and said
that I had certain problems with my vertebrate,

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my lower back, just like I
knew I did the which was exacerbated

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by this accident many many, oh
as many years ago, more than thirty

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probably, But can you believe this? The same doctor and same patient weeks

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apart when he worked for the insurance
company, he said there was nothing wrong

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with me. What do you think
about that? Do they out and out

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lie like that? I mean,
doc? How do they get docs to

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out and out lie like that?
Seriously? Do they know when an insurance

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company shows up a client that the
insurance company sends do they know they have

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to lie? Tom, You know
as well as I do. There are

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bad apples in every profession. There
are bad doctors, there are bad lawyers,

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there are bad conquerors. And I
think what happens is that these doctors

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are incompetent in their own field,
and so they wind up doing something and

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they become whores to the insurance company. Now, now hold on, Brian.

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Brian wants to talk about a house. I got to take a break,

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But Brian, I swear to you
I will take you up right after

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the break and answer your qu question. Please hang on. I'm Tom Martino

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through and then I have Brian Burns
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your home with Remax Alliance three oh
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Time Tom Martine here three three seven
one three talks seven one three eight two

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five five. What can we do
for you? Let's go to the phones

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and talk and uh, Brian wants
to know about purchasing a house. Go

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ahead, the Brian online one.
Go ahead Brian oh sar and son in

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law to buy a home. He
is a financial advisor for a pretty large

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company and recently, as tax has
done, his gross annual is one hundred

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and eighty thousand. The tax account
was so darn good he got it down

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apparently to forty nine thousand. Yeah, that happens all the time. It's

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called chattel, meaning okay, all
kinds are right off. Go ahead,

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Okay, what will the lending company
look at for you know, the amount

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that they can borrow. They use
a greater number, or they used the

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EAGI, they used the adjusted gross
income. Let me explain what people have

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done a lot of self employed people
have written themselves out of the home buying

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market because of that. Now I
have some friends self employed who bit the

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bullet and showed higher gross or higher
adjusted incomes and paid the tax in order

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to qualify. Now, I'm going
to tell you some devious stuff, Brian,

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that people have done. I'm not
suggesting it. I'm not recommending it.

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I'm telling you as a fact.
Some people actually went back and amended

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their return after they qualified for a
mortgage. So they they qualified for a

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mortgage with a higher adjusted gross and
then got into the house. And once

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they were into the house, they
went back and amended their taxes, saying,

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oh, I forgot about these deductions
and then got money back. I

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know it sounds devious, but people
have done that. Here's the deal.

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Here's the deal. Good accountants should
be able to get your income down,

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but it should be pretty accurate.
See a lot of people say, well,

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wait a minute, I really made
one hundred and eighty thousand. I

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know I'm only showing forty. Well
that's that's the way life is. If

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you show forty, that's what you
made. Now, sometimes though people have

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cars and all kinds of expenses,
they run through their corporation, so their

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personal income shows down. But now
there are some mortgage programs that will add

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back in a certain amount of chattel
for self employed people. Okay, some

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mortgage companies. In fact, I
would like for you. You can listen.

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I know your time is limited right
now, but I'm going to get

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one of our mortgage people on to
answer about Chattle. Okay, now,

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Kelly, try to get try to
get try to get Brent Ivinson on or

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someone for Ideal and if you can't, then call Kurt Rogers. I know

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Kurt might be I don't know what
he's doing at Affordable Interest Mortgage anymore.

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I know he stopped advertising and he
says he's cutting back on his business,

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but he still is an expert though
on the industry. So Kurt Rodgers would

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be another one. Or but try
Brent Ivenson first at Ideal Home Loans because

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Ideals he is still pretty active and
they're doing Ideal is still doing mortgages,

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by the way, and they have
the they have that interest rate guarantee so

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they refinance you when rates go down. So hold on, Brian. If

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you can't stay on the line,
I will get an answer for you.

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On some of the mortgage companies that
may allow certain chattel to be added back

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in three h three seven to one
three talks seven to one three eight,

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two five five. Now there's another. I got three Brian's okay. I

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got Brian from Compass. I got
Brian from I just took and I have

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Brian online too, Brian Burns from
Compass Insurance Group. We have to have

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this discussion. I want you to
hang on for after the break. This

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other Brian, though, needs advice
on a moving company. Brian, what

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advice do you need? Because this
is man, there's probably an eighty percent

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chance you will be ripped off when
hiring a moving company. What is your

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question, Brian? Yeah, I
just thought you might have a reputable company.

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I'm here at Morrison, Colorado,
going to Screenville, South Carolina,

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and there's plenty of options out there, but I really don't want to do

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the work myself, and I didn't
know if you had some bad ones.

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Yeah, yeah, we do.
I have some really good recommendations that I'll

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tell you what. I'll give you
some recommendations that will save you and probably

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prevent you from being ripped off if
you can hold on. I'm Tom Martine,

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00:19:56.799 --> 00:20:06.480
we have more coming up. Go
with a sure thing Denver's Best roofer

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00:20:06.640 --> 00:20:12.799
Excel Roofing dot com. You don't
pay a cent until you're content. Time

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00:20:12.839 --> 00:20:18.279
for an insurance checkup free, no
obligation. In comparison, call Compass Insurance

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00:20:18.440 --> 00:20:22.599
paying too much your coverage at dozens
of insurance companies find out now three oh

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00:20:22.599 --> 00:20:26.079
three seven to seven to one.
Help. You'll think you're his only customer

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00:20:26.119 --> 00:20:29.759
when you choose Frank durand the real
estate Man dot com to list your home

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00:20:29.960 --> 00:20:38.400
with Remax Alliance three oh three nine
to zero sixteen twenty two. I am

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Tom Martino, your troubleshooter three three
seven one three. Talk Brian needs advice

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on moving? Brian, you're moving
from where to wear? Uh Greenville,

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South Carolina. Okay, I'm gonna
explain this to you real quick. When

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when you contact a moving company,
most likely you won't get a moving company.

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In fact, I would say eighty
five percent of all the people advertising

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are not moving companies. And here's
what they do. So I'll give you

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the dangers and then you'll know how
to you know, work around it.

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Whoever you contact Normally, who you
contact is what's called well I don't know.

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I call them a scumbagy. They
represent themselves as a moving company.

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They give you a price, it
sounds good to you, and you sign

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up with them. Okay, when
you sign up with them, they you'll

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never see those people again. They
sell that contract to someone else. Sometimes

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they sell it to a guy with
a truck. Sometimes they sell it to

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another consolidator. Whatever it is they
sell that contract. Then the people show

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up to your place to move you, and when they get there, they

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tell you that the first guy miscalculated
and you're going to have to pay more.

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You're going to feel desperate. This
happens all the time. You're going

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to feel desperate because they're there to
move you, and you agree to pay

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a little more. Those people then
pick up your stuff and you never see

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them again. Now they give it
to a transport company who then takes it

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and calls you to deliver it.
But they tell you, by the way,

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we weighed this stuff and it was
way more than the second company said,

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and you're going to have to pay
this to get your stuff. Now

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you're going to get hit up three
times with three increases or two increases.

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The first price, then the two
increases. Sometimes even more than that.

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If it has to sit on a
truck. While you're arguing with them,

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they're going to say, now you
owe storage. You get to a point

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where you're desperate, I'm going to
tell you some other stuff. Most of

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the time, people who want to
move, it doesn't pay them to move

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what they're moving. Most of the
time we have junk, and it's cheaper.

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Listen to me carefully. It's cheaper
to sell your crap and buy new

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stuff where you're moving than moving.
I'm going to tell you that right up

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front. Unless you have like serious
stuff that you love. Okay, now

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you have, But most of the
stuff that you love can be shipped in

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boxes. I'm talking about like pictures, photos, whatever, files, or

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consolidated into a U haul van.
So all I want to tell you is

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upfront, most of the time,
moving does not pay. Period. Now

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let's talk about if you do move
and you want to bring all your stuff.

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What you need is an actual moving
company, a movie company, preferably

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that has a national affiliation with a
moving agent. Okay, a moving company

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like a North American agent or a
United Van Lines agent, somebody who is

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reputable that will pick you up.
They will take care of you and they

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will get you to the right place
with their agent on the other side.

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Okay, now, now listen,
that's I'm going to get. Now,

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if you want to know who to
use, I have some good people to

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use. I'm going to tell you
that American Moving is a Beacons agent and

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they're on a referral list. They
have a five star rating. They've been

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with me for ten years. Okay, now, now, American Moving is

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a great company. So there you
can start there. The number is three

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oh three four six nine six nine
six six's eight three. But if

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you shop around, it's okay.
Just make sure when you shop around you

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find a real agent that's been around, that actually owns trucks and get everything

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in writing everything. And an estimate
is not a contract, it's an estimate.

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Thank you, Brian. Let us
know if you need anything else.

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Three oh three seven to one three
talk for now. I have another Brian,

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the third Brian Trifecta today. This
is Brian Burns Compass Insurance Group.

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They do free insurance checkups, as
I said, and they're really important by

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the way, because what they do
is they help you no if you're not

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paying, if you're paying too much
or you're not insured enough. Brian,

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I'm gonna tell you call I had
today and they were so distressed. They're

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in a complex of duplexes, if
that makes sense. Yep, so a

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number of duplexes, and they have
an HOA and they have a management company.

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They re heavy. What's that.
I know where this is going.

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I've been getting a lot of these
phone calls. Go ahead, they have

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a number they have storm damage and
have to replace the roofs. Okay,

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not all of them, but some
of them. First and foremost. I

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want to tell people in a condo, or in a town home, or

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in a complex of duplexes, whether
your roof is partially destroyed, completely destroyed,

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or not even touched, you could
still be socked with an assessment.

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Yep. Somebody will say, wait
a minute, tom My roof was not

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touched. Yes it was. I'll
tell you why. Even if your actual

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complex, your duplex, was not
touched, if the project was touched,

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you were touched. That's what you
agree to when you move in to a

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group community. You agree to it. Here's the next thing you need to

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know. When your HOA said you're
covered, you have insurance and you only

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have to buy insurance. She just
bought this place, and they said,

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oh, you just buy your insurance
for the inside. We take care of

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the outside. So now this young
woman says, oh, then I'm covered

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for the outside. Come to find
out that roof of hers may have cost

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twenty five thousand dollars to replace twenty
five. Both sides would have cost fifty.

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She was assessed twenty thousand. She
said, wait, wait, wait,

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wait wait, that's it would have
cost twenty five to get a whole

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00:28:07.440 --> 00:28:11.519
new roof. Why am I paying
twenty grand? Why am I paying twenty

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grand if we have insurance? They
said, well, we don't have that

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much insurance. We have a big
deductible. She said, you said you

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were covered. Well, yeah,
we're covered, but we have a deductible.

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And this person thinks, oh,
I don't owe it. The HOA

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owes it first of all, the
ha is her. Well, then the

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management company owes it because they didn't
have enough insurance. I said, if

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they had enough insurance, your HOA
fees instead of being four hundred and thirty

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00:28:37.559 --> 00:28:41.960
five dollars a month, may very
well be eighteen hundred dollars a month.

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That's Brian explained to everyone what has
happened to insurance premiums on these projects.

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Yeah, and I actually thought you
were going a different direction with this because

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the number of calls that I've gotten
is that some of these hoas can no

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longer get insurance or afford insurance,
and so they are telling the individual unit

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owners they have to ensure their properties. So you know, you have shared

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walls, which complicates things, especially
if it's a condo where you have you

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00:29:14.920 --> 00:29:17.960
know, you're on Well, how
would I ensure a roof if I'm living

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in a complex, Right, Well, if it's a town home, you

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00:29:21.920 --> 00:29:25.480
can do it. I could get
insurance carriers to do that because you at

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least have you know, a part
of your home is covered by this roof

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that we could assign to you.
Where it would be impossible is if you're

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on the second floor of a four
story unit and you're trying to get it.

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But I'm seeing I'm getting calls from
from town homes, you know hoa's

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00:29:44.480 --> 00:29:48.039
that are dissolving, that cannot cover
and we're not dissolving, but they are

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no longer providing insurance. And then
the individual unit owner that is actually happening

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00:29:56.400 --> 00:30:00.559
I've gotten. I bet you we've
gotten ten call this year so far,

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00:30:00.720 --> 00:30:07.359
since since December of Hoa's that can
no longer do the insurance, and they're

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00:30:07.400 --> 00:30:11.359
converting it to where the individual owners
have to change their policy from a condo

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00:30:11.440 --> 00:30:19.480
policy to a home policy so they
can cover the roof, and what can

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00:30:19.480 --> 00:30:23.519
they even get? Okay, so
does the does the third floor on a

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00:30:23.559 --> 00:30:27.680
three fourth story building end up paying
for the roof? Or how how would

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00:30:27.720 --> 00:30:30.720
I if I'm in a condo,
how do I get insurance from my unit

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00:30:30.720 --> 00:30:34.240
that would cover my portion of the
roof? Yeah? And I haven't run

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00:30:34.279 --> 00:30:37.880
into it where it's a condo where
they're on a different floor. I'm just

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00:30:37.880 --> 00:30:41.119
saying it goes that way. I
don't know how I'd get insurance. So

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00:30:41.160 --> 00:30:45.960
the ones you were you were talking
about were mainly town homes or yeah,

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00:30:45.079 --> 00:30:48.440
or like this situation here you're talking
about where at the duplex. I know

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00:30:48.480 --> 00:30:51.680
that's not what you were saying on
the No. No, I understand.

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00:30:51.799 --> 00:30:56.799
So what's so listen, what as
an owner of a condo yep, you're

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or a town home. I mean, if you if your place cannot afford

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00:31:03.599 --> 00:31:08.000
the insurance, what could a premium
very well be if we're talking about a

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00:31:08.039 --> 00:31:14.960
three hundred unit condo. Oh gosh, yeah, uh, you're talking about

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00:31:15.240 --> 00:31:18.319
you know, several hundred thousand dollars
a premium. But the bigger problem they're

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00:31:18.319 --> 00:31:22.799
having is deductible. Sure, yeah, they're they're they won't cover the roofs

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00:31:22.880 --> 00:31:26.480
or they're putting, you know,
ten percent deductible on it, so ten

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00:31:26.519 --> 00:31:30.559
percent of your dwelling limit. To
your point that this is probably what happened

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00:31:30.599 --> 00:31:37.000
with this duplex where they have such
a high deductible that the amount they're having

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00:31:37.039 --> 00:31:44.119
to assess is almost the cost of
the roof. And it gets more complicated

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00:31:44.119 --> 00:31:48.200
than that, Tom, because even
if you get loss assessment coverage, which

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00:31:48.240 --> 00:31:53.000
I would highly recommend everybody hold on
because I want to explain loss assessment coverage

357
00:31:53.319 --> 00:31:56.000
and I want to talk about that. And then John Fuller is still with

358
00:31:56.079 --> 00:32:00.359
us, and we're going to go
back to talking about independent medical examiners and

359
00:32:00.519 --> 00:32:07.599
also people who claim they can tell
you what your case is worth. All

360
00:32:07.640 --> 00:32:15.559
of that coming up. Go with
a sure thing Denver's Best Roofer Excel roofing

361
00:32:15.680 --> 00:32:22.160
dot com. You don't pay a
cent until you're content. Time for an

362
00:32:22.160 --> 00:32:28.240
insurance checkup, free, no obligation
in comparison call Compass Insurance paying too much

363
00:32:28.359 --> 00:32:31.640
your coverage at dozens of insurance companies
find out now three oh three seven seven

364
00:32:31.640 --> 00:32:36.400
to one help. You'll think you're
his only customer when you choose Frank durand

365
00:32:36.440 --> 00:32:39.880
the real estate man dot com to
list your home with Remax Alliance three oh

366
00:32:39.880 --> 00:32:51.839
three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three

367
00:32:51.839 --> 00:32:57.759
O three seven one three talk seven
one three eight two five five Brian Burns,

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00:32:58.079 --> 00:33:00.680
Compass Insurance Group. Have to sum
this up? How the hell do

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00:33:00.759 --> 00:33:06.200
we sum it up? How?
What do people do? I would say,

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00:33:06.920 --> 00:33:09.079
I mean, what do they do
if they're buying a condo right now?

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00:33:09.640 --> 00:33:15.680
There is no answer. You could
end up either paying outrageous HOA dues

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00:33:16.000 --> 00:33:22.519
or you will eventually be assessed.
Yep. Well, and I think the

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00:33:22.599 --> 00:33:27.279
key to that is if it is
if there HOA is still covering the xterior.

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Make sure you have as high a
limit as you can of loss assessment

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00:33:31.119 --> 00:33:36.640
cars. How much can you get
on loss assessment coverage? Yeah, some

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00:33:36.720 --> 00:33:38.640
carriers will go up to fifty thousand, but here, Oh my god,

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00:33:38.720 --> 00:33:44.000
that's wonderful. But would that be
expensive? No, it's really not right

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00:33:44.039 --> 00:33:45.839
now I think it will be in
the future. But here's the big thing

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00:33:45.880 --> 00:33:51.559
I want people to hear. There
are a lot of companies out there that

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00:33:51.640 --> 00:33:54.680
will offer higher loss assessment coverage.
But then when you read the policy,

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00:33:54.720 --> 00:33:59.880
there's a caveat that says that if
this is the result of an HOA to

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00:34:00.000 --> 00:34:05.920
deductible, it's limited to a different
amount. Let's say you bought twenty thousand,

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00:34:06.799 --> 00:34:09.320
but if you read the fine print, it says that if it's results

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00:34:09.360 --> 00:34:15.719
of an HOA deductible, they'll only
pay five thousand. So I warn people

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00:34:15.760 --> 00:34:20.320
to look at that. I pay
attention to this very closely. I quit

386
00:34:20.360 --> 00:34:24.239
writing companies that offer it that do
that where they have a separate limit for

387
00:34:25.239 --> 00:34:30.480
HOA deductible, because that's the most
common claim for a loss assessment is because

388
00:34:30.559 --> 00:34:36.679
the HOA deductible. All right,
Brian Burns, Compass Insurance Group, I

389
00:34:36.800 --> 00:34:39.400
want you to call them for an
insurance checkup three oh three nine nine six

390
00:34:40.199 --> 00:34:45.920
nine thousand. Go with a sure
thing Denver's Best Roofer Excel roofing dot com.

391
00:34:45.960 --> 00:34:52.760
You don't pay a cent until you're
content. Time for an insurance checkup,

392
00:34:52.840 --> 00:34:57.800
free no obligation comparison. Call Compass
insurance paying too much your coverage at

393
00:34:57.880 --> 00:35:00.559
dozens of insurance companies. Find out
now three oh three seven seven to one

394
00:35:00.679 --> 00:35:05.360
help. You'll think you're his only
customer when you choose Frank durand the real

395
00:35:05.440 --> 00:35:08.960
estate Man dot Com to list your
home with Remax Alliance three oh three nine

396
00:35:09.000 --> 00:35:21.719
two zero sixteen twenty two. Yeah, ripped up news needed, that's who

397
00:35:21.840 --> 00:35:29.320
you don't have You come running just
as fast as we can. Shooter's gonna

398
00:35:29.400 --> 00:35:37.239
help. Come Man Dix is the
Troubleshooter Show. No Tom Martino, Hi,

399
00:35:37.480 --> 00:35:40.320
Tom Martino here, Welcome to the
show. We are here and I

400
00:35:40.400 --> 00:35:46.280
want you to call anytime twenty four
to seven three oh three Martino three oh

401
00:35:46.320 --> 00:35:52.079
three six two seven eight four sixty
six, and we will get back to

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00:35:52.079 --> 00:36:00.679
you. Always dispensing such important information
on this show. To recap the insurance

403
00:36:00.880 --> 00:36:07.760
are insurance experts Brian Burns Compass Insurance
Group, told us about a trend going

404
00:36:07.800 --> 00:36:12.599
on right now, not just in
Colorado, but in areas that have been

405
00:36:12.719 --> 00:36:21.880
storm ravaged in the West. Wherever
it is condo developments, townhome developments,

406
00:36:22.880 --> 00:36:30.119
They're not able to provide insurance in
some cases. It is so outrageously expensive

407
00:36:30.199 --> 00:36:36.199
and people aren't going to tolerate two
thousand dollars a month HUA fees. They're

408
00:36:36.199 --> 00:36:40.440
not going to tolerate it. So
instead they're taking to homeowners. Okay,

409
00:36:42.360 --> 00:36:45.559
buy your own insurance, but what
happens if you're in a condo. How

410
00:36:45.599 --> 00:36:49.800
do you buy insurance to cover the
roof? You don't, And then if

411
00:36:49.840 --> 00:36:53.639
you do get coverage in a town
home, you got to make sure your

412
00:36:53.679 --> 00:36:59.119
deductible's not too high not too low
either that you get a good value.

413
00:36:59.280 --> 00:37:06.119
It's very difficult now for the huas
that are offering insurance. They have to

414
00:37:06.159 --> 00:37:13.719
make the deductibles so inredibly expensive to
make the premium manageable. And in that

415
00:37:13.840 --> 00:37:16.760
case, guess what happens. You're
stuck with an assessment. If you have

416
00:37:16.840 --> 00:37:23.079
a loss, a big assessment,
you could be in financial ruin. So

417
00:37:23.159 --> 00:37:30.880
there's loss damage assessment coverage. That
means if you have damages due to an

418
00:37:30.920 --> 00:37:37.880
insurance loss, you can get covered
up to a certain amount of money,

419
00:37:37.960 --> 00:37:44.559
But some of those policies limit that
coverage if it's for an insurance deductible.

420
00:37:45.039 --> 00:37:49.400
So you have to be very very
careful on what you buy. That's why

421
00:37:49.440 --> 00:37:52.159
we love Compass Insurance Group at three
Zho three nine nine to six nine thou.

422
00:37:52.679 --> 00:38:00.280
Now we left off with Steve and
he has an issue at work.

423
00:38:00.639 --> 00:38:05.079
So Steve, I want to recap
this. You needed to take time off

424
00:38:05.119 --> 00:38:08.440
of work? Is that true?
Yeah? Said I had a workplace injury,

425
00:38:08.480 --> 00:38:13.119
and then they actually took me off
work for almost three months. Okay,

426
00:38:13.199 --> 00:38:20.880
now on workplace injury. And were
you collecting workers compensation? Yeah?

427
00:38:20.920 --> 00:38:24.400
And that was only a portion of
your pay right, Yeah, that was

428
00:38:24.400 --> 00:38:28.480
only the two thirds of the pay. So yeah, I came in I

429
00:38:28.519 --> 00:38:30.559
asked the bosses here if I might
be able to get some of my sick

430
00:38:30.599 --> 00:38:35.840
paid to kind of cover some of
my gosh that I'm not getting paid.

431
00:38:35.920 --> 00:38:42.000
And so your employer allowed you to
get paid some sick pay. I had

432
00:38:42.039 --> 00:38:45.440
forty eight a care They paid me
twenty eight. And then they're trying to

433
00:38:45.480 --> 00:38:49.280
say that I was zero out and
it's like, no, I just still

434
00:38:49.320 --> 00:38:53.360
have twenty left over. So you
were paid. Now, when you were

435
00:38:53.360 --> 00:38:59.239
paid this, were you paid it
in with a pay stub and money?

436
00:38:59.280 --> 00:39:02.599
How were you paid your your sick
pay? Yeah, it was paid out

437
00:39:02.599 --> 00:39:07.840
on basically a regular pay stub.
How many hours did it show on the

438
00:39:07.880 --> 00:39:13.599
pay stub? It was twenty eight
hours out of the forty eight hours?

439
00:39:13.840 --> 00:39:19.440
Now, does it actually show on
the pay stub twenty eight hours taken?

440
00:39:19.960 --> 00:39:23.079
And because the pay stub keeps track
of sick time, did the pay stub

441
00:39:23.239 --> 00:39:30.400
show twenty hours left? Yep?
And it actually showed I cured like the

442
00:39:30.440 --> 00:39:31.880
two point four hours, which I
shouldn't have, so it was like a

443
00:39:31.880 --> 00:39:35.719
twenty two point four. But it's
like, yeah, I should still have

444
00:39:35.760 --> 00:39:40.639
at least the twenty left over.
Yeah, but did that I'm asking again,

445
00:39:42.119 --> 00:39:46.639
do you have a pay stub that
shows twenty eight hours paid and twenty

446
00:39:46.760 --> 00:39:52.719
still remaining? Yes? Okay,
good, that's all you need. And

447
00:39:52.760 --> 00:39:54.280
then and that was kind of thing. And then I just went up there

448
00:39:54.440 --> 00:39:58.679
kind of asked him about it because
I asked the owner and then, well,

449
00:39:58.679 --> 00:40:00.119
hold on, what do they say
when you you showed the pay stubs

450
00:40:00.119 --> 00:40:05.360
saying wait, when you show them
the pay stub and it shows you have

451
00:40:05.400 --> 00:40:08.760
twenty hours left? What did they
say? Yeah? Because then when the

452
00:40:08.880 --> 00:40:13.159
year rolled, they took it back
down to zero. But and then I

453
00:40:13.199 --> 00:40:15.599
went in and talked to him and
she got all defensive. She's like,

454
00:40:15.639 --> 00:40:17.880
I shouldn't even be talking to you
about this, and Steve. You're Steve.

455
00:40:17.960 --> 00:40:22.920
You just see Steve, Steve,
Steve. Hang on, bro,

456
00:40:23.039 --> 00:40:28.599
I just asked you a question.
You have a pay stub that shows twenty

457
00:40:28.639 --> 00:40:36.079
eight hours paid and twenty hours remaining. Then you said they issued another one

458
00:40:36.840 --> 00:40:42.519
that doesn't show any Is that right? Okay, Well then you don't have

459
00:40:42.559 --> 00:40:45.920
a pay stub showing twenty eight hours
left or twenty hours left because I had

460
00:40:45.960 --> 00:40:50.159
the one that was on there originally. And yeah, once the year rolled,

461
00:40:50.480 --> 00:40:53.079
but you still but you still have
you still have that original one,

462
00:40:53.159 --> 00:40:59.480
right? Yeah? When did they
issue the second one, the second pay

463
00:40:59.519 --> 00:41:02.079
stub where they took away the twenty
hours? When did they issue that one?

464
00:41:04.280 --> 00:41:06.679
That was when I came back to
work, So that was the first

465
00:41:06.679 --> 00:41:08.599
couple of weeks of her Just here
what last week? I think? So

466
00:41:08.599 --> 00:41:15.159
when you came back to work and
you were actually paid, the little window

467
00:41:15.239 --> 00:41:21.119
that shows sick hours showed you had
none. Yeah, so that I cured

468
00:41:21.159 --> 00:41:23.159
you. I had none, and
I accured the two point four. So

469
00:41:23.239 --> 00:41:27.519
now I have two point four.
I get you, bro. Now what

470
00:41:27.639 --> 00:41:31.679
I want to know is this,
how do they reconcile from one pace dub

471
00:41:31.760 --> 00:41:37.679
to the next that shows you took
an additional twenty hours, because there is

472
00:41:37.840 --> 00:41:42.159
none that was well, I know, how do they reconcile? What do

473
00:41:42.239 --> 00:41:45.440
they say about that? When I
went in, she just says, no,

474
00:41:45.599 --> 00:41:50.039
you were zeroed out. You were
overpaid. We shouldn't have Okay,

475
00:41:50.079 --> 00:41:53.280
well okay, now wait, now
we're getting somewhere. We're getting somewhere.

476
00:41:54.800 --> 00:42:00.920
When this is important because when you
get sick time, you don't get gross

477
00:42:01.000 --> 00:42:07.880
dollars. They may have overpaid you. So when they gave you twenty hours

478
00:42:07.880 --> 00:42:12.880
of sick time, how much did
it amount to or excuse me, twenty

479
00:42:12.880 --> 00:42:15.760
eight hours. When they paid you
twenty eight hours of sick time, how

480
00:42:15.840 --> 00:42:21.920
much did it come to all together? After taxes? It was like seven

481
00:42:22.000 --> 00:42:25.880
hundred and something. Okay, so
it was they did take taxes out.

482
00:42:28.599 --> 00:42:35.519
Oh they did, that's a yes, Steve. Yeah, okay, so

483
00:42:35.679 --> 00:42:45.039
you netted seven hundred dollars. Okay, that it's for some reason. Okay,

484
00:42:45.400 --> 00:42:50.039
So so how do they how do
they figure you were paid for the

485
00:42:50.079 --> 00:42:53.679
additional twenty hours. I have no
clue. It's just like even when I

486
00:42:53.760 --> 00:42:57.199
came in and I got paid for
those twenty eight he was like, after

487
00:42:57.239 --> 00:42:59.840
paying you this twenty eight years,
zeroed out and It's like, no,

488
00:43:00.079 --> 00:43:04.639
I should still have the twenty Well, O, Kate, I have no

489
00:43:04.679 --> 00:43:09.760
clue. Is it possible you never
had forty eight hours to begin with that,

490
00:43:09.800 --> 00:43:14.000
because even on all my pace check
stubs up until that point, you

491
00:43:14.000 --> 00:43:16.199
could see it at Charring all the
way. Okay, got it so hour

492
00:43:16.320 --> 00:43:22.119
at the time you got injured,
you had forty eight hours. You had

493
00:43:22.159 --> 00:43:25.320
forty eight hours. Man. I
don't see how they get around this man.

494
00:43:25.800 --> 00:43:30.920
So what's the latest you heard from
them? Basically she just said talk

495
00:43:31.000 --> 00:43:34.440
to the owner. And yet when
I talked to the owner, he said,

496
00:43:34.599 --> 00:43:38.239
talk to her. Okay, you're
going to have to go to wage

497
00:43:38.239 --> 00:43:46.000
an hour and wage an hour.
The good news is they investigate stuff like

498
00:43:46.000 --> 00:43:52.760
this that is compensation. It cannot
be taken away from you, willy nilly,

499
00:43:52.840 --> 00:44:00.039
It just can't be. So if
you have a pay stub, what

500
00:44:00.039 --> 00:44:02.960
you're telling me is you have two
pay stubs issued. How far apart,

501
00:44:04.360 --> 00:44:08.760
one showing one showing twenty hours left, one showing you didn't have twenty hours

502
00:44:08.800 --> 00:44:15.760
left? How far were they from
December to February? And in that time

503
00:44:15.880 --> 00:44:23.159
from December and in that time from
December to February, did you take any

504
00:44:23.239 --> 00:44:28.079
sick time. I'm not asking pay. Did you take any sick time?

505
00:44:28.239 --> 00:44:31.039
Or were you still on workers comp? I was on the work comp.

506
00:44:32.519 --> 00:44:37.159
You were not. They did not
mark you ready to go back, and

507
00:44:37.199 --> 00:44:42.840
you stayed out another week or two. No, because that would eat up

508
00:44:42.880 --> 00:44:47.480
that twenty hours. Yeah, because
I have never got paid for it and

509
00:44:47.519 --> 00:44:53.199
basically have just disappeared. Okay,
Okay, then I don't see how they

510
00:44:53.199 --> 00:44:59.360
get around it. Have you ever
contacted wage an hour? I know I

511
00:44:59.360 --> 00:45:04.239
have not been. I'm telling you, I'm gonna tell you some good news.

512
00:45:04.719 --> 00:45:07.719
They really do. They really do
help people. I mean they do

513
00:45:08.159 --> 00:45:13.960
sometimes to a fault. I mean, I promise you that there have been

514
00:45:14.039 --> 00:45:17.920
times that people have complained and I
didn't think they had a good case and

515
00:45:17.960 --> 00:45:23.039
it ended up that they got they
they they got the employer in trouble.

516
00:45:25.760 --> 00:45:30.639
So I would go, you've been
on there, I'm trying to get you

517
00:45:30.679 --> 00:45:35.840
a number here, what's that server? And even on their new employee handbook,

518
00:45:35.880 --> 00:45:38.920
it they show like they got a
new I guess PTO system for their

519
00:45:38.920 --> 00:45:43.280
paid time off and it's I could
even show us on there that any hours

520
00:45:43.320 --> 00:45:45.320
you had would have rolled over at
the end of the year. And it's

521
00:45:45.360 --> 00:45:52.119
like, where's my hours. Okay, you're gonna come. You're gonna have

522
00:45:52.159 --> 00:45:55.719
to go to Labor and Employment and
here here it is. Okay, seriously,

523
00:45:57.280 --> 00:46:00.159
I want you to do it.
Don't don't think I'm kissing you off.

524
00:46:00.000 --> 00:46:01.800
I want you to call me back
and let me know about responses.

525
00:46:01.840 --> 00:46:06.280
Okay, because we will help you. We'll even call your employer, but

526
00:46:06.320 --> 00:46:08.719
I don't want to do that.
First, you need to go here to

527
00:46:08.880 --> 00:46:19.199
c d l E. That stands
for Colorado Department of Labor and Employment c

528
00:46:19.360 --> 00:46:27.199
d l E. C d l
E dot Colorado dot gov. Okay.

529
00:46:28.119 --> 00:46:31.280
Now, when you do that,
you can drill down to filing a complaint

530
00:46:31.880 --> 00:46:37.320
or you can call them, but
we have had very good luck with people

531
00:46:37.440 --> 00:46:42.280
getting attention. I'm trying to find
out here where you go. Once you're

532
00:46:42.320 --> 00:46:46.360
on there, okay, cd cd
l E dot Colorado dot gov. You

533
00:46:46.440 --> 00:46:52.480
go to the bottom and there's a
contact us and you can file a complaint

534
00:46:54.400 --> 00:47:00.559
if you can't call them and ask
but it they really will look into it

535
00:47:00.559 --> 00:47:05.920
because this is a compensation thing.
This is where they literally took money away

536
00:47:05.960 --> 00:47:10.159
from you. And then call us
back and let us know and then we'll

537
00:47:10.199 --> 00:47:15.079
call your company, but I want
you to first do this three oh three

538
00:47:15.320 --> 00:47:20.760
seven one three talk seven one three
eight two five five and uh yeah,

539
00:47:20.840 --> 00:47:22.320
I want to I want to try
to help you, Okay, So just

540
00:47:22.400 --> 00:47:28.280
do that first, get a get
a claim going, and then you might

541
00:47:28.280 --> 00:47:31.880
be able to get treble damages.
Brent Ivnson Ideal home loans. Brent,

542
00:47:32.000 --> 00:47:35.519
I got to take you because I
know you're busy. I want to take

543
00:47:35.519 --> 00:47:38.599
you right now. So, Brent, we had a guy who made one

544
00:47:38.679 --> 00:47:43.000
hundred and eighty thousand dollars a year
looking for a loan, a home loan,

545
00:47:43.000 --> 00:47:49.679
all right. Now, he has
a good accountant who took every bit

546
00:47:49.719 --> 00:47:54.239
of chattle you can imagine and wrote
down his income way down, I don't

547
00:47:54.280 --> 00:47:59.400
know, fifty six whatever he wants
to know when he goes apply for a

548
00:47:59.480 --> 00:48:04.320
loan. When you have someone like
this, what do you look at,

549
00:48:04.360 --> 00:48:09.519
Brent? Does that hurt them in
the long run? Critical qualifying. Yes,

550
00:48:09.559 --> 00:48:14.079
we will take the net income after
all the expenses have been written off

551
00:48:14.119 --> 00:48:17.000
against it. But we do have
products available that will go off of gas

552
00:48:17.079 --> 00:48:22.559
flow through bank statements, so they'll
look at that top line income as well.

553
00:48:22.599 --> 00:48:24.920
And now again, remember anytime you
do anything creatively outside of the norm

554
00:48:25.199 --> 00:48:30.280
that typically carries a higher interest rate
or additional fees. But there are ways

555
00:48:30.320 --> 00:48:35.400
to use that top line income,
but for normal purposes, for a conventional

556
00:48:35.440 --> 00:48:37.920
loan, an, FAK loan,
anything, you know VA, you're going

557
00:48:37.960 --> 00:48:42.599
to be using that net income after
you've written off all that expense. So

558
00:48:42.800 --> 00:48:46.639
a lot of self employed people they
hurt themselves, don't they Well, they

559
00:48:46.679 --> 00:48:51.320
don't necessarily hurt themselves. It just
makes it tougher to qualify. And look,

560
00:48:51.400 --> 00:48:54.000
there weren't products out there for a
long time that would allow you to

561
00:48:54.119 --> 00:48:57.960
use that top line income, but
we are seeing more and more of them.

562
00:48:57.960 --> 00:49:02.159
They're called non qualified mortgages m mortgages, And so that works where you

563
00:49:02.199 --> 00:49:06.360
can take the cask flow running through
their bank statements, will do a twenty

564
00:49:06.360 --> 00:49:09.079
four month analysis. You'll tell us
what their growth income is, and then

565
00:49:09.119 --> 00:49:13.079
we can use that as their income
as opposed to the net income off of

566
00:49:13.119 --> 00:49:15.320
their tax returns for the last two
years. And about how much more do

567
00:49:15.400 --> 00:49:21.119
you think they pay than market interest? A quarter or more? No,

568
00:49:21.119 --> 00:49:22.840
No, it's a point to a
point and a half in some instances,

569
00:49:22.960 --> 00:49:29.599
just depending wow, it could be
a full point higher or a point and

570
00:49:29.639 --> 00:49:32.519
a half higher. Yeah. Depending
again, that's depending on credit, that's

571
00:49:32.559 --> 00:49:36.960
depending on loan to value, that's
depending on property type, that's depending on

572
00:49:37.000 --> 00:49:38.599
how long they've been in business.
But yeah, you know, it's definitely

573
00:49:38.639 --> 00:49:43.000
you pay a premium to be able
to do that. But you know,

574
00:49:43.039 --> 00:49:45.440
what we're finding with a lot of
our self employed clients is they look at

575
00:49:45.480 --> 00:49:50.719
what they're able to shelter an income
from a tax perspective that the higher interest

576
00:49:50.800 --> 00:49:53.480
rate really isn't that you know,
isn't that bad considering how much we're saving

577
00:49:53.480 --> 00:49:59.199
on taxes? Okay, and Brent, a real quick question, what's going

578
00:49:59.280 --> 00:50:01.519
to happen this year with interest rates? I'm not asking you to make a

579
00:50:01.639 --> 00:50:06.599
hard and fast prediction. What is
your gut? You know, I think

580
00:50:06.639 --> 00:50:09.880
at some point the day, all
all that we hear going on is going

581
00:50:09.920 --> 00:50:13.880
to catch up with the data.
So I do think ultimately we are going

582
00:50:13.920 --> 00:50:16.119
to start to see some interest rate
cuts here as we get deeper into the

583
00:50:16.159 --> 00:50:19.480
year. Now, the thing that
will be very interesting, and I mentioned

584
00:50:19.480 --> 00:50:21.440
this when I was on the show
a couple of weeks ago with Mark,

585
00:50:21.519 --> 00:50:25.199
is that the FED is going to
get very quiet as you get closer and

586
00:50:25.199 --> 00:50:30.440
closer to the election because they do
not want to be seen as political to

587
00:50:30.559 --> 00:50:32.960
one side or the other in any
way, shape or form. So I

588
00:50:34.000 --> 00:50:36.119
think what you're going to have them
do is they're going to be cutting in

589
00:50:36.159 --> 00:50:39.239
the summer, and likely cutting somewhat
aggressively, and then they're going to stop

590
00:50:39.280 --> 00:50:44.239
now. Again, our clients,
they don't really worry about that, simply

591
00:50:44.280 --> 00:50:47.280
because of our interest rate guarantee.
If you take advantage of where prices are

592
00:50:47.320 --> 00:50:51.840
at now and lock in an interest
rate, lock in a purchase price close

593
00:50:51.880 --> 00:50:53.679
on your new home. When rates
go down later, you can refinance with

594
00:50:53.719 --> 00:50:58.199
no lender fees. Thanks for our
interest rate guarantee. Thank you. That's

595
00:50:58.239 --> 00:51:00.199
ideal home loans. You heard them
about the interest rate guarantee. Three oh

596
00:51:00.199 --> 00:51:09.440
three eight sixty seven seven thousand.
Go with a sure thing Denver's best rufer

597
00:51:09.599 --> 00:51:16.760
excel roofing dot com. You don't
pay a cent until you're content. Time

598
00:51:16.800 --> 00:51:22.239
for an insurance checkup free, no
obligation. In comparison, call Compass Insurance

599
00:51:22.400 --> 00:51:25.559
paying too much your coverage at dozens
of insurance companies find out now three oh

600
00:51:25.599 --> 00:51:30.320
three seven seven to one help.
You'll think you're his only customer when you

601
00:51:30.400 --> 00:51:34.599
choose Frank durand the real estate man
dot com to list your home with Remax

602
00:51:34.639 --> 00:51:40.519
Alliance three oh three nine two zero
sixteen twenty two. Hi, I'm Tom

603
00:51:40.599 --> 00:51:49.280
Martino doing a show for you,
solving problems, answering questions, taking complaints

604
00:51:49.719 --> 00:51:55.199
when I'd really rather be eating ice
cream and drooling. Hey, John Fuller's

605
00:51:55.239 --> 00:52:00.679
with us, my accident lawyer dot
co. He had something to say about

606
00:52:00.719 --> 00:52:06.800
independent medical examiners and Hilda, I
didn't forget about you. Hang on,

607
00:52:06.960 --> 00:52:08.960
please, Hilda, Hang on,
John, go ahead, I said,

608
00:52:09.039 --> 00:52:15.079
I went to an independent medical examiner
once. Another company that hit me another

609
00:52:15.159 --> 00:52:19.360
client was insured by Farmers. They
sent me there and the guy looked at

610
00:52:19.360 --> 00:52:22.519
me for five minutes or less and
left the room and wrote a six page

611
00:52:22.519 --> 00:52:25.760
report on how there's nothing wrong with
me and I could have possibly been improved

612
00:52:25.760 --> 00:52:30.760
by the collision. And it was
a joke. Okay, let's I don't

613
00:52:30.800 --> 00:52:32.599
know if he really said that,
but anyway, So then I went back

614
00:52:32.639 --> 00:52:39.239
as a regular person to that clinic
and it was amazing what they found wrong.

615
00:52:39.840 --> 00:52:44.360
So go ahead, John, Well
that didn't surprise me at all.

616
00:52:44.480 --> 00:52:47.599
I mean that the thing that irks
me about the whole process is you know

617
00:52:47.679 --> 00:52:52.119
doc said earlier, these are people
that are bad doctors, and they're incompetent

618
00:52:52.159 --> 00:52:54.480
and they can't you know, they
can't make it on their own. That

619
00:52:54.639 --> 00:52:59.440
is absolutely not the case. These
are very smart doctors. They've just learned

620
00:52:59.440 --> 00:53:02.119
how to game the system and what
they've learned. And I've actually had cases

621
00:53:02.159 --> 00:53:07.239
where when we get the expert disclosures
and we really find out what these doctors

622
00:53:07.280 --> 00:53:09.400
are all about, we come to
find out that many of them are making

623
00:53:09.920 --> 00:53:15.559
six, seven, eight hundred thousand
dollars a year from these insurance companies doing

624
00:53:15.599 --> 00:53:21.000
these quote unquote independent medical exams,
and so there's nothing like, you know,

625
00:53:21.119 --> 00:53:24.199
six or seven or eight hundred thousand
dollars to keep you motivated to make

626
00:53:24.239 --> 00:53:29.320
sure that your reports go a certain
way. And from an insurance company perspective,

627
00:53:29.400 --> 00:53:32.280
they're one hundred percent predictable. So
I mean that these are not just

628
00:53:32.440 --> 00:53:37.320
dumb doctors. These are super smart
doctors that are gaining the system. And

629
00:53:37.360 --> 00:53:40.239
the lesson to be learned here,
much like everything else, is that these

630
00:53:40.280 --> 00:53:46.119
insurance companies are not your friends.
They are a you know, every dollar

631
00:53:46.159 --> 00:53:50.760
they don't put in your pocket is
a dollar they keep in theirs, and

632
00:53:50.800 --> 00:53:54.199
they'll do. They'll stop short of
nothing to get the outcome that they want.

633
00:53:54.239 --> 00:53:59.280
And that's why it's so important to
have an advocate on your side that's

634
00:53:59.320 --> 00:54:02.119
been there, done that, and
see all these tricks before that these insurance

635
00:54:02.119 --> 00:54:07.360
companies are playing. And here here's
what I'd like to say about that.

636
00:54:08.239 --> 00:54:15.800
It's not just with I am ease
independent medical examiners or prostitutes of the industry

637
00:54:15.800 --> 00:54:19.880
as like to call them. They
also come when it comes to pharmaceuticals.

638
00:54:20.760 --> 00:54:22.639
You know, you're not supposed to
promise. Hey, if you do this,

639
00:54:22.760 --> 00:54:27.280
I'll do this. But what happens
if they don't promise anything at the

640
00:54:27.360 --> 00:54:30.960
end of the year, get a
You get a round trip ticket to Hawaii

641
00:54:30.320 --> 00:54:36.639
from the pharmaceutical company saying thanks for
all of your you know, whatever care

642
00:54:36.719 --> 00:54:38.880
you give to patience, and blah
blah blah. Now next year, the

643
00:54:38.920 --> 00:54:43.679
following year, they didn't promise anything
in advance, They just rewarded you.

644
00:54:44.360 --> 00:54:47.519
The next year, you're going to
think about that company for prescriptions. Now,

645
00:54:47.599 --> 00:54:51.400
I think they've tightened that up a
bit, Deputy Doc. And they

646
00:54:51.519 --> 00:54:54.320
tightened it up on like when you
were practicing, doc, did you get

647
00:54:54.360 --> 00:54:59.400
a lot of gifts from people?
First the whole thing has changed. Tom.

648
00:54:59.440 --> 00:55:01.880
You know, third years ago,
you could give a talk, get

649
00:55:01.920 --> 00:55:07.599
paid for it, and you could
say basically whatever you wanted. Now you

650
00:55:07.760 --> 00:55:14.280
have a specific curriculum that you have
to follow giving a talk, and they

651
00:55:14.320 --> 00:55:19.679
have like secret shoppers that go in
to make sure that you don't deviate from

652
00:55:19.719 --> 00:55:23.960
the written material. And it's very
difficult now to who's controlling it. Who's

653
00:55:24.000 --> 00:55:28.119
the secret shoppers from the pharmaceuticals?
No, no, No, from the

654
00:55:28.159 --> 00:55:31.400
FDA. Okay, okay, So
here's what I want to know. Do

655
00:55:31.519 --> 00:55:37.599
pharmaceutical companies reward doctors very very little
anymore. The only way that reward them

656
00:55:38.079 --> 00:55:45.480
is by having them give these pre
set speeches about their product. Okay,

657
00:55:45.519 --> 00:55:47.679
and you give this preset speech and
you get two hundred and fifty grand.

658
00:55:47.800 --> 00:55:52.519
No, it's I mean, it's
not that much, Tom, But the

659
00:55:52.599 --> 00:55:57.880
point is it's really and it's in
Hawaii or ta heat you know, it's

660
00:55:58.360 --> 00:56:01.760
it's in it's in your little glaria. You're not allowed to go and take

661
00:56:01.800 --> 00:56:07.119
a trip and speak at a convention. It's very very tight. And Tom,

662
00:56:07.639 --> 00:56:10.920
they've really cut that onto abuse.
They're trying to know, but the

663
00:56:12.000 --> 00:56:15.360
reality is it still goes on there
was a movie out right now that's great.

664
00:56:15.360 --> 00:56:19.679
Everybody should watch it called Painkiller that
talks about the whole evolution of the

665
00:56:19.679 --> 00:56:23.199
oxy crisis that we have leading up
until the end. And I mean,

666
00:56:23.239 --> 00:56:28.280
these these doctors were just strung along
by these beautiful reps that would you know,

667
00:56:28.599 --> 00:56:31.559
Oh yeah, there were female reps. Did you know? Absolutely?

668
00:56:31.679 --> 00:56:35.519
Because it just makes you want to
buy pills from them, you know.

669
00:56:35.760 --> 00:56:39.920
You know. When I first started
tom, the drug reps were basically a

670
00:56:39.920 --> 00:56:44.679
whole spectrum of people. There were
older men, older women, young women,

671
00:56:44.800 --> 00:56:49.400
young men. But as time went
on, it's only young attractive women

672
00:56:49.679 --> 00:56:54.079
that came into my office as drug
reps. Yep, Kilda, what's going

673
00:56:54.119 --> 00:57:00.679
on with you? High? Hilda
held up, Hi, Hi, Hi,

674
00:57:00.800 --> 00:57:05.400
what's going on? So? Thank
you for taking my call. I

675
00:57:05.519 --> 00:57:12.159
purchased a home January twenty sixth Okay
that an infection. Everything came out good,

676
00:57:12.320 --> 00:57:15.079
passed, everything was cleared, moved
in a couple of weeks, and

677
00:57:15.960 --> 00:57:19.760
I noticed water came by the way. Was this a new home or a

678
00:57:19.880 --> 00:57:24.480
used home? It's a US home. Okay, they remodeled it so it

679
00:57:25.159 --> 00:57:30.280
looks it's new to me. Okay. The water coming out from benderneath the

680
00:57:30.280 --> 00:57:32.320
bathroom. This is in the basement, This is after you moved in.

681
00:57:32.440 --> 00:57:37.760
You found water? Yes, okay, we removed one of the four one

682
00:57:37.800 --> 00:57:42.480
of the wall panels in the closet
next to the bathroom. And when we

683
00:57:42.480 --> 00:57:46.559
looked underneath the cub, there's no
plumbing. What do you mean? Wait?

684
00:57:46.599 --> 00:57:51.920
Wait, hold on, hold on, hold on. You noticed water

685
00:57:52.000 --> 00:57:59.199
coming from beneath a tub in the
basement, yes, and to look underneath

686
00:57:59.320 --> 00:58:01.800
the tub to see maybe if I
was that maybe the pipe of squad.

687
00:58:02.000 --> 00:58:07.400
Now was this a finished basement,
yes, finished basement remodeled of Okay,

688
00:58:07.599 --> 00:58:14.760
now hold on, was this a
remodel where they had never used that basement

689
00:58:14.840 --> 00:58:19.559
before? Do you think? No? In the I found there listening from

690
00:58:19.880 --> 00:58:22.840
when the first one Wanner bought it
before he flipped it. And it was

691
00:58:22.880 --> 00:58:24.920
a shower, so it must be
a shower dreen. But they didn't convert

692
00:58:24.960 --> 00:58:29.360
it to a tub drain, so
they just stuck a tub over it.

693
00:58:29.519 --> 00:58:30.519
And it's not even lining up to
go all right, So hold on,

694
00:58:30.800 --> 00:58:36.159
they set a tub, they put
a rectangle tub. Was this a tub

695
00:58:36.519 --> 00:58:40.719
shower combo or just a tub that
it was a combo? So did they

696
00:58:40.760 --> 00:58:49.119
place it? They placed it over
the shower pan. There's no pan,

697
00:58:49.199 --> 00:58:53.840
there's just a hole. And is
the hole on concrete. It's there's still

698
00:58:53.920 --> 00:59:00.000
tile there from where it used to
be a shower. So they really placed

699
00:59:00.000 --> 00:59:07.400
a tub over where a shower used
to be. And the tub obviously is

700
00:59:07.440 --> 00:59:12.800
bigger than the shower footprint, right
correct, So the the tub sits on

701
00:59:12.960 --> 00:59:17.079
top of tile. And what they
were hoping is that the water went down

702
00:59:17.119 --> 00:59:22.360
the drain, onto the tile and
into the floor drain, which it did

703
00:59:22.519 --> 00:59:25.400
during the inspection because it was only
ran for But I get it, But

704
00:59:25.559 --> 00:59:32.239
how the hell, how the hell
could that ever pass inspection? And that's

705
00:59:32.280 --> 00:59:37.760
what I said, And then how
did it? How he didn't disclose that

706
00:59:37.760 --> 00:59:39.800
there was any gamage obviously at the
closing, But how did you not know

707
00:59:39.880 --> 00:59:43.800
your contact? You never finished the
job or did you do the job?

708
00:59:43.960 --> 00:59:45.840
Well? If you know, here's
hold on a second, we'll come back.

709
00:59:45.880 --> 00:59:49.400
You hang on all right? I
got to explore this. This is

710
00:59:49.519 --> 00:59:59.440
terrible. Go with a sure thing
Denver's Best roof of excel roofing dot com.

711
00:59:59.480 --> 01:00:06.639
You don't pay until you're contenth time
for an insurance check up free,

712
01:00:06.719 --> 01:00:10.880
no obligation in comparison call Compass Insurance
paying too much your coverage at dozens of

713
01:00:10.880 --> 01:00:15.880
insurance companies find out now three all
three seven seven to one help. You'll

714
01:00:15.880 --> 01:00:19.719
think you're his only customer when you
choose Frank durand the real estate man dot

715
01:00:19.760 --> 01:00:23.480
com to list your home with Remax
Alliance three oh three nine two zero sixteen

716
01:00:23.519 --> 01:00:32.920
twenty two. Tom Martine, your
troubleshooter, Hilda, I I would say

717
01:00:32.960 --> 01:00:37.039
you need to look at your disclosure
documents. I mean, this is incredible.

718
01:00:37.320 --> 01:00:40.079
John, Do you realize what she's
talking about? John Fuller's my guest

719
01:00:40.119 --> 01:00:45.199
today, John. She's talking about
this tub was placed over where a shower

720
01:00:45.320 --> 01:00:49.800
used to be, just on the
floor, and the open drain goes down

721
01:00:49.840 --> 01:00:52.000
to the floor and then wakes its
way to the what used to be the

722
01:00:52.039 --> 01:00:55.880
shower drain in the center. And
then if you run it too much,

723
01:00:57.840 --> 01:01:00.599
it's going to come out the sides
of the tub. Right. So two

724
01:01:00.679 --> 01:01:06.119
things. I hope that a competent
person can fix that relatively easy for you

725
01:01:06.199 --> 01:01:07.480
guys. But number two, they're
gonna have to lift the tub. They're

726
01:01:07.480 --> 01:01:10.800
gonna have to plumber they are they're
gonna have to plumbering. Yeah, but

727
01:01:10.840 --> 01:01:14.800
the drains there. I mean,
it's it's not like the I mean,

728
01:01:15.079 --> 01:01:17.239
I don't think it's gonna be the
most complicated repair in the world. But

729
01:01:17.360 --> 01:01:21.760
I look at these dang home inspectors
and I think, by and large,

730
01:01:21.800 --> 01:01:28.559
some of these inspectors are just absolutely
worthless because either their agreement disclaims any responsibility

731
01:01:28.599 --> 01:01:31.840
for anything that they don't find,
or they just do a cursory look and

732
01:01:31.880 --> 01:01:36.079
they don't. I mean, any
inspector ought to run every bit of water

733
01:01:36.239 --> 01:01:39.719
in every tub and sink and shower
and everything else and verify that that everything

734
01:01:39.800 --> 01:01:45.199
is working correctly, and so you
know, I don't know. I mean,

735
01:01:45.239 --> 01:01:49.719
they probably disclaim any liability, but
their last fallback is going to be

736
01:01:49.719 --> 01:01:55.440
to just sue the dang owner for
just outright misrepresentation and fraud. Pull that

737
01:01:55.519 --> 01:02:00.199
off. You know how much.
I'm sure you got an estimate. What

738
01:02:00.280 --> 01:02:04.760
will it cost to fix? It's
between twenty and thirty thousand. No,

739
01:02:04.760 --> 01:02:08.119
No, somebody's ripped ridiculous. Somebody's
ripping you off, Hilda. They have

740
01:02:08.239 --> 01:02:10.840
to, they they say, because
they have to do the water mitigation,

741
01:02:10.880 --> 01:02:15.800
because they got into the closet and
they say the water damage is up two

742
01:02:15.880 --> 01:02:19.159
feet. Oh wait a minute,
Wait a minute, Wait a minute,

743
01:02:19.559 --> 01:02:22.599
did the water wait, Hilda,
did the water damage happen after you bought

744
01:02:22.639 --> 01:02:31.800
it? Yes? How we shot
after I showered? Did you shower in

745
01:02:31.920 --> 01:02:37.559
the downstairs? Uh? Yes,
well I shower. If one person showers,

746
01:02:37.639 --> 01:02:42.199
it'll drain. If we do multiple
showers. That's when we saw the

747
01:02:42.239 --> 01:02:45.719
water coming out from underneath. You're
not going to figure that we had a

748
01:02:45.760 --> 01:02:52.000
back that so one one shower or
multiple showers had enough water leak out that

749
01:02:52.119 --> 01:03:00.159
did thirty thousand dollars in total damages. That's what the I've got too who

750
01:03:00.239 --> 01:03:04.679
recommends that are about that? And
then just the plumbing is about five grand.

751
01:03:04.960 --> 01:03:07.159
And that's just the punning. But
he says he sent me to somebody

752
01:03:07.199 --> 01:03:13.000
who does a tile on the wall, and somebody sent me to somebody who

753
01:03:13.000 --> 01:03:15.639
does water mitigation. Was like,
I have to find somebody that does all

754
01:03:15.800 --> 01:03:21.519
three things. You see. But
here here, okay, hold on,

755
01:03:21.800 --> 01:03:25.800
hold on this this is a this
is going to be really difficult. You

756
01:03:27.119 --> 01:03:32.679
had water coming out because you used
it and it wasn't plumb properly. And

757
01:03:32.920 --> 01:03:40.480
okay, did the disclosure sheet say
anything about anything being done to code or

758
01:03:40.519 --> 01:03:46.679
improvements? What did it say?
Did it say that because that's obviously wasn't

759
01:03:46.760 --> 01:03:52.599
up to code, and there are
questions about permits. Was that done with

760
01:03:52.719 --> 01:03:57.400
a permit? I went on to
regional after the fact and there's no permit.

761
01:03:57.480 --> 01:04:03.039
Pools Okay, Now did the disclosure
tell you that? No? Well,

762
01:04:03.159 --> 01:04:08.239
the homeowner to the seller, but
yeah, the seller is going to

763
01:04:08.280 --> 01:04:13.000
be responsible if they lied to you. Yeah, and the disclosure is going

764
01:04:13.039 --> 01:04:15.280
to the seller is going to want
to turn around and name somebody else and

765
01:04:15.280 --> 01:04:18.159
claim. You know, the seller
is going to say we had no idea,

766
01:04:18.440 --> 01:04:21.320
right, and the only way that
they can officially say we had no

767
01:04:21.440 --> 01:04:26.800
idea is to blame the contractor or
the person that did all that work.

768
01:04:27.199 --> 01:04:30.239
Somebody. I'm going to have some
insurance and somebody's going to have John.

769
01:04:30.280 --> 01:04:35.760
There's there's something else that's the disclosure
sheet. If the owner if the no,

770
01:04:35.840 --> 01:04:41.960
I'm talking about the disclosure about permitting. It says on the disclosure sheet,

771
01:04:42.159 --> 01:04:45.679
were any improvements done without permits?
It doesn't tell you they weren't done

772
01:04:45.679 --> 01:04:54.199
without permits? No, it just
remodeled, retiled. That's not that remodel

773
01:04:54.280 --> 01:04:59.079
retitled is not Can you send us
your disclosure sheet because I don't trust you

774
01:04:59.159 --> 01:05:04.119
to know what I'm talking about out
there's a specific question about home improvements,

775
01:05:06.599 --> 01:05:16.559
and it specifically asks about permits.
Do you see the question don't? I

776
01:05:16.559 --> 01:05:20.400
don't have it with me, but
I will grab an email it to you.

777
01:05:20.400 --> 01:05:26.800
You got to because really, here
here's the deal. The whole idea

778
01:05:26.840 --> 01:05:31.440
about non disclosure is them knowing about
it and concealing it from you, it's

779
01:05:31.559 --> 01:05:36.679
not. And if they don't know
about it and they say that the like

780
01:05:36.800 --> 01:05:41.559
John said, the contractor did it, but if they lied to you about

781
01:05:41.559 --> 01:05:45.320
the permit, that has nothing to
do with whether they knew it or not,

782
01:05:45.800 --> 01:05:47.920
because they know if they lied to
you, If they said they did

783
01:05:47.960 --> 01:05:51.039
it with a permit, and they
didn't do it with a permit, that

784
01:05:51.159 --> 01:05:56.679
in and of itself would tell you
it didn't have the proper inspection and they

785
01:05:56.760 --> 01:06:00.320
lied to you about it. I
just think you're going to have a hard

786
01:06:00.360 --> 01:06:03.400
time either way, even if you
sue them, John, Can you see

787
01:06:03.400 --> 01:06:08.199
them suing where they're going to make
any money on this? I mean,

788
01:06:08.440 --> 01:06:12.280
don't you think it's gonna cost him
that much money? Unless these people cave.

789
01:06:12.639 --> 01:06:15.599
It's gonna cost him ten grand to
get him to cave. John,

790
01:06:15.639 --> 01:06:19.119
You know, legal fees. What
do you think. Yeah, it's possible.

791
01:06:19.480 --> 01:06:23.840
I mean, but it's also possible
you get a judgment against this this

792
01:06:23.960 --> 01:06:26.599
former owner, and he's got to
come to the table and say, let's

793
01:06:26.599 --> 01:06:30.280
work something out. I mean,
I don't know all the details about this.

794
01:06:30.559 --> 01:06:32.920
Yeah, you know, the guy
just got a pile of money when

795
01:06:32.920 --> 01:06:36.920
he walked away from closing. So
you know, there's no time like the

796
01:06:36.960 --> 01:06:41.400
present to try to try to get
something squared away on it. But I

797
01:06:41.400 --> 01:06:44.679
mean it's clearly fraud. Yeah,
clearly it is. Now we got we

798
01:06:44.719 --> 01:06:46.239
gotta take a break. It's chargeable. I mean, there's a lot of

799
01:06:46.239 --> 01:06:49.920
good stuff on your side. That
Okay, there's another quick question. I

800
01:06:49.920 --> 01:06:53.280
got to take a break, and
he'll that you got to hang on because

801
01:06:53.320 --> 01:07:00.719
I need to know, uh,
some other stuff right after this. Go

802
01:07:00.840 --> 01:07:05.079
with a sure thing Denver's Best Roofer
Excel roofing dot com. You don't pay

803
01:07:05.119 --> 01:07:12.800
a cent until you're content. Time
for an insurance check up, free,

804
01:07:12.840 --> 01:07:17.480
no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance

805
01:07:17.480 --> 01:07:21.199
companies find out now three all three
seven seven to one help. You'll think

806
01:07:21.239 --> 01:07:26.280
you're his only customer when you choose
Frank durand the real estate man dot Com

807
01:07:26.280 --> 01:07:30.960
to list your home with Remax Alliance
three all three nine two zero sixteen twenty

808
01:07:30.000 --> 01:07:40.400
two. Hi Tom Martino, your
troubleshooter three all three seven one three talks

809
01:07:40.440 --> 01:07:49.239
seven one three eight two five five
So uh killda? You know I need

810
01:07:49.280 --> 01:07:55.880
to know something. This is really
important because fix and flippers have gotten away

811
01:07:55.880 --> 01:07:59.920
with stuff like this by saying they
had no knowledge. Was this a fixed

812
01:08:00.039 --> 01:08:05.800
and flipper? Huh? Yes,
there was? Okay, if they've never

813
01:08:05.880 --> 01:08:11.239
lived there. I'm telling you this
has been a defense in the past for

814
01:08:11.360 --> 01:08:15.399
people. Okay, there's still no
reason for lying on the disclosure sheet if

815
01:08:15.439 --> 01:08:19.840
they lied, unless they say they
were misled and they thought everything had to

816
01:08:19.840 --> 01:08:24.920
permit. John, don't you agree
that a fix and flipper will make this

817
01:08:24.960 --> 01:08:29.880
more difficult? Yes, because you
have to have actual knowledge. So I'm

818
01:08:29.880 --> 01:08:33.800
going to tell you something, Hilda. I would call my referral list and

819
01:08:33.880 --> 01:08:41.319
get people to give you honest to
god estimates before you decide economically is it

820
01:08:41.439 --> 01:08:45.239
worth going after them. You may
even want to get an attorney like Brad

821
01:08:45.239 --> 01:08:50.000
O'Brien O'Brien Legal Services. He's a
real estate attorney. Call Brad O'Brien,

822
01:08:50.560 --> 01:08:55.199
because here's the deal. You need
to get an estimate on what he thinks

823
01:08:55.239 --> 01:08:59.319
it might cost, or you might
get him to write a letter and to

824
01:08:59.399 --> 01:09:02.680
start threats to see if they'll come
to the table. That's what you need

825
01:09:02.720 --> 01:09:09.880
to do. First call Brad O'Brien, O'Brien Legal Services or anyone that you

826
01:09:09.920 --> 01:09:14.479
feel comfortable with, but he handles
real estate stuff like this, and then

827
01:09:14.560 --> 01:09:18.000
see if he can get them to
scare up some money before doing a full

828
01:09:18.039 --> 01:09:21.960
fledged lawsuit, because I'm not sure
you come out ahead with a full fledged

829
01:09:23.199 --> 01:09:28.520
lawsuit. Now, I personally believe
the statute should provide for attorney's fees when

830
01:09:28.560 --> 01:09:32.880
you have disclosure cases like this,
because I truly believe that people do the

831
01:09:32.880 --> 01:09:36.000
math and they figure, you know, what the hell with them, let's

832
01:09:36.039 --> 01:09:40.399
not disclose it and if we get
away with it, fine, and they're

833
01:09:40.399 --> 01:09:43.920
not going to have enough money to
sue us anyway. So I would say,

834
01:09:44.479 --> 01:09:48.039
you know, that's where you start, and then send us the disclosure

835
01:09:48.079 --> 01:09:54.680
statement to I still want that.
Kevin, you have props kudos for Brothers

836
01:09:54.800 --> 01:09:58.279
Flooring. Tell me about it.
Yeah, you know, we have a

837
01:09:58.359 --> 01:10:00.479
pretty good sized hardwood floor and I
know you have Buddy on all the time,

838
01:10:00.479 --> 01:10:03.600
but they don't do refinishing of hardwood
floors. So I looked at your

839
01:10:03.600 --> 01:10:08.640
list. I found Brothers. They
came all the way up to us here

840
01:10:08.680 --> 01:10:12.760
in Eerie. They showed up the
day they said they were going to show

841
01:10:12.840 --> 01:10:16.159
up. They showed up on time
every single day. Go with a sure

842
01:10:16.239 --> 01:10:20.800
thing Denver's Best roofer Excel Roofing dot
com. You don't pay a cent until

843
01:10:20.800 --> 01:10:29.359
you're content. Time for an insurance
check up free, no obligation comparison call

844
01:10:29.479 --> 01:10:33.479
Compass Insurance paying too much your coverage
at dozens of insurance companies find out now

845
01:10:33.479 --> 01:10:38.319
three all three seven seven to one
help. You'll think you're his only customer

846
01:10:38.359 --> 01:10:42.000
when you choose Frank durand the real
estate Man dot com to list your home

847
01:10:42.199 --> 01:10:49.760
with Remax Alliance three all three nine
two zero sixteen twenty two. Yeah,

848
01:10:50.479 --> 01:11:04.600
ripped news So you don't have is
the cam Shoot's gonna help coming man?

849
01:11:05.199 --> 01:11:14.920
This is the Troubleshooter Show. No
Tom Martino, Hi Tom Martino here three

850
01:11:15.000 --> 01:11:20.239
oh three seven one three talk seven
one three eight two five five. Welcome

851
01:11:20.319 --> 01:11:28.279
to the show. Here we are
solving problems for you and listen. I

852
01:11:28.319 --> 01:11:30.960
don't care what you say, but
it's truly the only place in the media

853
01:11:30.960 --> 01:11:35.079
where this is done anymore. And
we have John Fuller with us Fuller Law.

854
01:11:35.720 --> 01:11:42.760
He's a personal injury attorney and he's
on to lend a hand on your

855
01:11:42.800 --> 01:11:46.239
calls if you have questions on anything, and then also to talk about personal

856
01:11:46.239 --> 01:11:51.279
injury. And one of the things
I wanted to talk about, I want

857
01:11:51.319 --> 01:11:59.319
to talk about valuing your case.
We hear this a lot. Call me

858
01:12:00.039 --> 01:12:02.199
and I'll tell you what your case
is worth. In fact, I've seen

859
01:12:02.880 --> 01:12:08.319
a lot of these kinds of ads. Tell me what your case is worth.

860
01:12:08.520 --> 01:12:12.920
By the way, our number is
three oh three seven one three talk

861
01:12:13.000 --> 01:12:16.600
three oh three seven one three eight
two five five. I also want you

862
01:12:16.680 --> 01:12:21.960
to remember and pass this around everywhere
three oh three Martino, because if you

863
01:12:23.119 --> 01:12:26.119
call that number, whether we're on
the air or not, you can leave

864
01:12:26.159 --> 01:12:29.520
a message and we will get back
to three oh three six two seven eight

865
01:12:29.520 --> 01:12:35.840
four sixty six. Free consumer help
thanks to our wonderful advertisers free consumer help

866
01:12:36.600 --> 01:12:41.800
like for example, waterpros dot net
the best water systems at the lowest prices.

867
01:12:42.399 --> 01:12:45.840
They help along with everyone else,
three oh three eight six two five

868
01:12:45.960 --> 01:12:49.079
five five four, John, value
my case? What's the worth? John?

869
01:12:50.840 --> 01:12:54.760
That's a really tough question, Tom, I get that all the time.

870
01:12:54.800 --> 01:12:58.000
And here's the here's the most honest
answer that I can give you.

871
01:12:58.039 --> 01:13:02.720
Okay, your case is worth what
ultimately a jury says it's worth as long

872
01:13:02.760 --> 01:13:09.760
as there's enough insurance to cover that
judgment or proceeds to pay that judgment.

873
01:13:09.880 --> 01:13:14.720
Okay. So when you talk about
valuing a case in the first week or

874
01:13:14.720 --> 01:13:17.800
two days whatever you know following an
accident, here's all the things that you

875
01:13:18.000 --> 01:13:24.079
don't know that prohibits you from actually
giving an honest answer about value. You

876
01:13:24.119 --> 01:13:27.359
don't know the full extent of the
medical care. You don't know the full

877
01:13:27.399 --> 01:13:30.079
extent of the bills. You don't
know the amount of coverage that's in place.

878
01:13:30.399 --> 01:13:34.560
You don't know about the subrogation rights
of those insurance companies, and you

879
01:13:34.640 --> 01:13:39.439
know what obligation you have to pay
back those companies. We don't know what

880
01:13:39.479 --> 01:13:43.399
the policy limits are of the insurance. We don't know whether we have umbrellas

881
01:13:43.760 --> 01:13:47.520
or anything else that may provide additional
coverage. We don't know about resident relatives

882
01:13:47.560 --> 01:13:51.279
and stuff that may be living in
your home that could provide additional coverage.

883
01:13:51.359 --> 01:13:58.520
There's just simply so many things that
we don't know and can't know in the

884
01:13:58.720 --> 01:14:03.000
very few days or weeks following an
accident. So any law firm or any

885
01:14:03.039 --> 01:14:08.119
attorney that tells you that they can
go out and look at some jury verdict

886
01:14:08.439 --> 01:14:13.760
reporter and look at their AI databases
and all this crazy stuff and tell you

887
01:14:13.840 --> 01:14:16.319
what the value of your case is
is just completely full of it. And

888
01:14:16.359 --> 01:14:20.960
they're just trying to get your information
to sell that to another firm to get

889
01:14:21.000 --> 01:14:26.000
you to sign up with them.
That's exactly what the entire thing is about.

890
01:14:27.119 --> 01:14:30.359
Okay, Then I have another question. We hear a lot about multimillion

891
01:14:30.399 --> 01:14:34.880
dollar verdicts, a lot of firms
like talking about them. Then nothing wrong

892
01:14:34.920 --> 01:14:40.680
with that, right, yep.
But what I want to know is what

893
01:14:40.760 --> 01:14:47.800
percentage do you feel in all your
years, what percentage of cases actually pay

894
01:14:47.880 --> 01:14:51.319
out? And I mean that because
you just said, you know, a

895
01:14:51.399 --> 01:14:55.039
verdict is one thing. You could
get a verdict. For example, that

896
01:14:55.079 --> 01:14:59.079
woman that got a verdict against Trump, he has the wherewithal to pay eighty

897
01:14:59.119 --> 01:15:02.479
two million. He'll appeal it,
but he has the wherewithal to pay it.

898
01:15:02.840 --> 01:15:06.159
So when you get a when you
get a verdict against Trump or against

899
01:15:06.199 --> 01:15:13.119
someone they that has the ability to
pay, that's a good thing. Or

900
01:15:13.239 --> 01:15:17.520
you get it against an insurance company
that is obligated because of the coverage,

901
01:15:17.560 --> 01:15:24.520
that's a good thing. But I
think the great secret here is how many

902
01:15:24.680 --> 01:15:30.680
verdicts go unpaid. Yeah, and
I don't know any particular statistic on that,

903
01:15:30.800 --> 01:15:33.520
but I suspect it's more than a
few, because you know, if

904
01:15:33.520 --> 01:15:36.159
you have insurance coverage, great,
you're going to get that paid. But

905
01:15:38.000 --> 01:15:41.159
you know, if it's an excess
verdict where the verdict is greater than the

906
01:15:41.560 --> 01:15:44.720
amount of coverage, I mean,
there's there's all these issues that are going

907
01:15:44.800 --> 01:15:47.720
to require additional litigation. It could
be years and years and years. I

908
01:15:47.800 --> 01:15:54.439
suspect that the judgment that you're talking
about with Trump, probably the check is

909
01:15:54.479 --> 01:15:57.720
not in the mail, and that
one's not going to be you know,

910
01:15:57.840 --> 01:16:01.680
paid anytime soon, if ever.
And so you know, these are the

911
01:16:01.720 --> 01:16:05.159
concerns. The other thing to be
aware of is that there are caps on

912
01:16:05.199 --> 01:16:10.079
different levels of damages in Colorado,
and we don't need to go into them

913
01:16:10.119 --> 01:16:13.760
because there's a number of them depending
on the type of case and the type

914
01:16:13.800 --> 01:16:18.399
of damages. But recently there was
a thirty million dollar verdict that was well

915
01:16:18.439 --> 01:16:24.359
deserved and strictly based upon the evidence, and it was just a catastrophic case

916
01:16:24.880 --> 01:16:30.640
that the application of Colorado's law cut
fourteen million dollars of that verdict off just

917
01:16:30.720 --> 01:16:34.239
with one fell swoop. And so, you know, we really have to

918
01:16:34.279 --> 01:16:41.199
ask ourselves about whether those caps are
appropriate given you know the fact that we

919
01:16:41.239 --> 01:16:44.640
do trust a jury to listen to
the evidence and come up with an answer

920
01:16:44.640 --> 01:16:47.399
of what it's worth. But the
reality is these companies could drag these things

921
01:16:47.439 --> 01:16:50.680
out forever. They could run down
and file bankruptcy. You know, there's

922
01:16:50.720 --> 01:16:56.760
so many factors, So just getting
a verdict is not the end of the

923
01:16:57.279 --> 01:17:00.199
you know, that's not the be
all and end all. And sometimes the

924
01:17:00.239 --> 01:17:02.479
bird in hand is worth a lot
more of them in the bush. Okay,

925
01:17:02.479 --> 01:17:06.079
I want to know something, as
far as bankruptcy, are all personal

926
01:17:06.119 --> 01:17:13.880
injury lawsuits subject to bankruptcy? Is
it that easy? They are subject to

927
01:17:13.920 --> 01:17:17.880
it, But only certain types of
damages can be wiped out in bankruptcy.

928
01:17:17.920 --> 01:17:21.960
So if you have damages based on
fraud, or you have damages that are

929
01:17:23.000 --> 01:17:27.840
what we call punitive damages, those
are not going to be dischargeable in bankruptcy,

930
01:17:28.600 --> 01:17:30.720
damages to the extent that you have
insurance coverage or not going to be

931
01:17:30.720 --> 01:17:34.800
wiped out in bankruptcy. So there's
a lot of exceptions, but you know,

932
01:17:34.920 --> 01:17:39.319
the bottom line is, if you
get a massive judgment against somebody that

933
01:17:39.399 --> 01:17:43.520
has nothing, there's a pretty good
likelihood that you're not going to ever get

934
01:17:43.560 --> 01:17:46.560
anything. And whether they declare bankruptcy
or not, you're still just you know,

935
01:17:46.640 --> 01:17:51.720
it's just a piece of paper.
So when you look at a claim,

936
01:17:51.840 --> 01:17:57.079
and I want people listening to know
this, because you have to have

937
01:17:57.560 --> 01:18:00.640
several elements. First, you have
to have life ability, right, I

938
01:18:00.640 --> 01:18:03.520
mean you have to look at it
and really feel someone has a case.

939
01:18:04.159 --> 01:18:11.920
Second, you have to have a
bad guy that has either insurance or the

940
01:18:12.079 --> 01:18:18.079
or a reliable person that has insurance
or wherewithal personal wealth. Yeah. Yeah,

941
01:18:18.159 --> 01:18:21.079
we have to have we have to
have liability, meaning we have to

942
01:18:21.119 --> 01:18:26.000
have somebody else at fault. You
can't recover when you're at fault. We

943
01:18:26.159 --> 01:18:30.279
have to have damages obviously that were
caused by the accident. So that means

944
01:18:30.319 --> 01:18:33.279
you can't necessarily take a pre existing
condition and make it. You know,

945
01:18:33.319 --> 01:18:38.399
the responsibility of the ad fault driver. And then once you once you have

946
01:18:38.520 --> 01:18:42.720
liability and damages, we have to
have insurance. We have to have collectibility,

947
01:18:43.079 --> 01:18:45.520
and that may mean individual assets,
but most of the time it means

948
01:18:45.600 --> 01:18:51.359
insurance. And so the biggest tragedy
in the world is having catastrophic injuries and

949
01:18:51.439 --> 01:18:57.119
either no or state minimal limits of
insurance, which is just a paltry amount

950
01:18:57.479 --> 01:19:02.640
that that really does nothing to help
you out. John Fuller, my accident

951
01:19:02.720 --> 01:19:04.920
lawyer, dot cio. Teresa,
what's going on with you? Hello,

952
01:19:05.000 --> 01:19:09.479
Teresa? We have lines open at
three three seven one three talk seven one

953
01:19:09.479 --> 01:19:13.039
three eight two five five TESA,
what's happening? Hi? Well, I

954
01:19:13.079 --> 01:19:17.159
was listening to you about the HOA
issue with the roof damage from the hailstorm

955
01:19:17.239 --> 01:19:24.279
last summer. Yes, and our
HOA of fifty eight town homes is experiencing

956
01:19:24.319 --> 01:19:30.920
the same thing because the deductible was
ten percent, But in fine print discovered

957
01:19:30.159 --> 01:19:38.399
recently, there was also a forty
seven thousand dollars additional deductible per unit.

958
01:19:39.359 --> 01:19:42.760
Now, wait a minute, why
is there an additional amount. It's in

959
01:19:42.760 --> 01:19:46.439
the fine print, in the fine
print of the insurance policy. Yes,

960
01:19:46.840 --> 01:19:54.319
forty seven, six hundred and seventy
seven per building additional wind hail deductible.

961
01:19:55.119 --> 01:20:00.119
Oh yeah. You know what Compass
mentioned this that many insurance and policies are

962
01:20:00.199 --> 01:20:08.520
now, righty, are being written
with two kinds of deductibles, one for

963
01:20:08.680 --> 01:20:14.840
regular losses and one for hail and
wind loss. Right, because hale and

964
01:20:14.880 --> 01:20:19.399
wind is so plentiful, they up
the deductible for that particular loss. So

965
01:20:19.800 --> 01:20:26.239
you're saying, where you live,
if you have a hailstorm, that building

966
01:20:26.640 --> 01:20:30.520
has to meet a deductible of that
much money. First, well, I

967
01:20:30.560 --> 01:20:39.119
guess the entire loss for all the
buildings reached a number that was in excess

968
01:20:39.199 --> 01:20:42.800
of anything our HOA has. So, in other words, you have fifty

969
01:20:42.840 --> 01:20:46.159
eight units, fifty eight buildings.
Did you say, no, divide that

970
01:20:46.199 --> 01:20:51.720
by two. It's a townhouse,
neighborhood. Okay, So how many actual

971
01:20:53.039 --> 01:20:57.640
buildings do you have? Twenty six? Okay, twenty four so yeah,

972
01:20:57.680 --> 01:21:01.000
twenty six, yeah, twenty six. So if you have twenty six buildings

973
01:21:01.159 --> 01:21:09.439
buildings, yes, okay, each
one of those has a deductible. Well

974
01:21:09.439 --> 01:21:14.359
it's just per building, yes,
yeah, but okay, and so that's

975
01:21:14.399 --> 01:21:20.880
an enormous deductible in addition to that
standard ten percent of the total loss.

976
01:21:21.000 --> 01:21:25.960
Oh my, God, So it's
possible with a hailstorm, you're going to

977
01:21:26.039 --> 01:21:32.640
have a massive, massive assessment deductible
yees ye, personally or we have to

978
01:21:32.800 --> 01:21:40.079
personally go to our insurance companies now
and file that catastrophic loss assessment claim for

979
01:21:40.359 --> 01:21:44.000
I think our total is I don't
have the exact number in front of me,

980
01:21:44.079 --> 01:21:47.359
abound twenty two thousand per But but
do you have the coverage? Do

981
01:21:47.439 --> 01:21:51.960
you have loss assessment coverage? I
do, personally, I don't think everybody

982
01:21:53.000 --> 01:21:58.079
does in the neighborhood because we were
told that was something we needed to carry

983
01:21:58.239 --> 01:22:02.960
with on our insurance. So my
question to you Tom, given that rajo

984
01:22:03.039 --> 01:22:08.159
A has told us it's getting harder
and harder to have insurance coverage, and

985
01:22:08.239 --> 01:22:12.239
even if you do, the deductibles
so high that's right, that's right.

986
01:22:12.319 --> 01:22:16.960
Yes, So how and in addition
to that, insurance companies are leaving Colorado,

987
01:22:17.439 --> 01:22:23.000
they're leaving Florida, they're leaving California. They don't want to do business

988
01:22:23.000 --> 01:22:28.399
in our states anymore. So how
the homeowners protect ourselves? Okay, you're

989
01:22:28.399 --> 01:22:33.039
not going to, but I want
to ask Compass about this because it's a

990
01:22:33.039 --> 01:22:36.720
good question. But here's what I
suspect is going to happen. It's going

991
01:22:36.760 --> 01:22:42.880
to have to happen. John Fuller
is somewhat of an insurance expert when it

992
01:22:42.920 --> 01:22:47.760
comes to personal injury, and he
knows how insurance companies think. John.

993
01:22:47.880 --> 01:22:54.560
If it becomes massive losses for companies, they're not going to be in these

994
01:22:54.600 --> 01:22:59.800
markets anymore, and there's nothing that
prevents them from leaving. They can simply

995
01:23:00.680 --> 01:23:04.279
we're no longer going to do business
in this state, and they do that.

996
01:23:04.600 --> 01:23:09.119
Yeah, okay, So what happens. The answer is the government must

997
01:23:09.159 --> 01:23:13.760
step in and become an underwriter.
To a certain extent. They had to

998
01:23:13.800 --> 01:23:20.640
do that with flood insurance. On
floodplanes, they had to subsidize because I

999
01:23:20.840 --> 01:23:28.439
suspect if it really gets bad in
the future, we will have hail belts,

1000
01:23:29.199 --> 01:23:34.880
much like you have floodplanes, hail
and wind belts possibly or hurricane belts

1001
01:23:35.520 --> 01:23:44.840
or earthquake belts, and these will
be rated as in certain risk patterns,

1002
01:23:45.359 --> 01:23:49.680
and then you will be eligible for
subsidized insurance. I think that is the

1003
01:23:49.880 --> 01:23:55.520
only way this goes, John,
Do you think that's possible, Well,

1004
01:23:55.880 --> 01:23:59.680
you only have to look at areas
like Florida and stuff where that's exactly what's

1005
01:23:59.680 --> 01:24:03.520
happened and on the on the hurricane
insurance where you have big companies like you

1006
01:24:03.560 --> 01:24:06.800
know, Warren Buffett and stuff that
just completely pull out and say we're not

1007
01:24:06.880 --> 01:24:12.560
insurance property anymore in this area.
Eventually there's nobody to write that insurance and

1008
01:24:13.239 --> 01:24:16.560
the you know, the banks that
have all this collateral. It becomes a

1009
01:24:17.159 --> 01:24:20.199
you know, a crisis for the
government and so they have to step in.

1010
01:24:20.279 --> 01:24:23.680
And that's what they did in Florida. So they'll do it everywhere else

1011
01:24:23.680 --> 01:24:27.600
if they have to. Now in
Florida, do they do you have subsidy

1012
01:24:27.640 --> 01:24:32.319
insurance, subsidized insurance for hurricanes.
It's not subsidized, but there is a

1013
01:24:32.680 --> 01:24:39.560
thing called Citizens Insurance, which is
basically a government insurance cooperative. I believe

1014
01:24:39.600 --> 01:24:44.159
there's those now here's where. And
this is why the government in very few

1015
01:24:44.199 --> 01:24:49.359
cases can the government do anything right? Okay, But here's why insurance can

1016
01:24:49.479 --> 01:24:56.880
work with the government. And there's
one big word. One word will describe

1017
01:24:56.920 --> 01:25:02.479
why the government could do this and
make it work work where another company can't.

1018
01:25:03.119 --> 01:25:09.199
And the word is profit. Well, yeah, because if the Citizens

1019
01:25:09.239 --> 01:25:12.000
company in Florida, to use it
as an example, if they take a

1020
01:25:12.000 --> 01:25:15.800
massive loss one year, which they
did last year. They just simply passed

1021
01:25:15.800 --> 01:25:20.079
that along to their consumers and everybody
across the entire state's rates grew up.

1022
01:25:20.119 --> 01:25:25.039
The next year they took a bath. But they don't have shareholders. They

1023
01:25:25.039 --> 01:25:28.279
don't have to make a profit.
If they lose money, they just added

1024
01:25:28.359 --> 01:25:31.119
on and collect more from them.
But it's a dead cost kind of thing.

1025
01:25:31.600 --> 01:25:35.560
Yeah. In other words, it's
a cooperative. There's no profit incentive.

1026
01:25:35.600 --> 01:25:39.359
Now. By the way, I
love profit. I think profit's a

1027
01:25:39.359 --> 01:25:45.039
great thing I personally feel personally,
and I don't know if I've ever expressed

1028
01:25:45.079 --> 01:25:50.880
this. While I love free enterprise, and while I love profit motives,

1029
01:25:51.319 --> 01:25:57.479
I don't think it belongs in the
insurance industry. It just doesn't in my

1030
01:25:57.600 --> 01:26:06.439
opinion, because you are you should
not profit on people's misery. I mean,

1031
01:26:06.880 --> 01:26:11.840
And they'll argue that they're not profiting
on people's misery. They're actually profiting

1032
01:26:11.880 --> 01:26:16.720
when people don't have misery, and
that's true. But if you aggregate losses

1033
01:26:16.960 --> 01:26:26.520
across a field of people and participants, I don't believe that profit should be

1034
01:26:26.560 --> 01:26:30.920
your motive. And let me explain
something. You know, state, I

1035
01:26:30.119 --> 01:26:36.079
love profit truly, I love capitalism, but think about insurance. Insurance is

1036
01:26:36.119 --> 01:26:41.800
saying we're going to pull our money, and we're going to by pulling the

1037
01:26:41.880 --> 01:26:45.239
risk and the money by spreading out
risk, we're going to have enough to

1038
01:26:45.279 --> 01:26:53.600
pay claims in certain areas. That
works perfectly for all insurance. If you

1039
01:26:53.800 --> 01:26:57.800
don't have a profit motive, then
it doesn't work perfectly. It still works,

1040
01:26:58.159 --> 01:27:02.760
but not perfectly. And here's why, because then a company and I

1041
01:27:02.880 --> 01:27:05.319
want to cast aside cheats and all
of that. Of course, we don't

1042
01:27:05.359 --> 01:27:09.960
want people cheating insurance and all of
that, but let's talk about normal people.

1043
01:27:10.880 --> 01:27:15.600
If they have a loss, the
only reason an adjuster goes in,

1044
01:27:15.960 --> 01:27:20.720
obviously they want to make sure a
proper amount is paid for that loss.

1045
01:27:21.079 --> 01:27:29.000
That's what it's supposed to be.
But with insurance companies now it's not just

1046
01:27:29.159 --> 01:27:33.359
to see that a fair price is
paid for the loss. It's to see

1047
01:27:33.720 --> 01:27:44.239
that the insurance company maximizes profit for
shareholders. I believe the only shareholders should

1048
01:27:44.239 --> 01:27:50.119
be insurance participants in other words,
clients, and there should be no profit.

1049
01:27:50.560 --> 01:27:57.680
Now. A shipbuilder had this idea
once and did what I consider one

1050
01:27:57.720 --> 01:28:01.560
of the most perfect health insurance companies
in the world at the time. It's

1051
01:28:01.680 --> 01:28:08.479
changed a bit. There's still not
a profit incentive. It's changed a little

1052
01:28:08.479 --> 01:28:15.720
bit. But Kaiser is a perfect
model, perfect model of health insurance,

1053
01:28:15.600 --> 01:28:23.800
so is Medicare. What I mean
by that is there's no profit. Where

1054
01:28:23.840 --> 01:28:30.039
you get into a problem with Kaiser. It could be is overpriced or overpaid

1055
01:28:30.079 --> 01:28:34.920
people who get overly compensated. Maybe, but that doesn't happen as much as

1056
01:28:34.920 --> 01:28:41.239
it does in a private insurance world. I just like the Kaiser model,

1057
01:28:41.840 --> 01:28:46.560
and I think when you aggregate loss
over a large pool and take away profit,

1058
01:28:47.199 --> 01:28:55.000
then you don't have people increasing other
people's misery to make more money.

1059
01:28:55.600 --> 01:28:58.680
And again, I don't want to
sound like a crying, bleeding hard communist.

1060
01:28:58.720 --> 01:29:01.800
I'm not, and it's not socialism. I'm talking about paying our way,

1061
01:29:02.760 --> 01:29:06.560
but you but the whole notion,
by the way of insurance, The

1062
01:29:06.560 --> 01:29:13.399
whole notion of insurance is aggregating or
spreading out risk. That's the whole notion.

1063
01:29:14.159 --> 01:29:19.520
But when you add profit to it, it really becomes almost impossible.

1064
01:29:19.600 --> 01:29:24.640
Dream I don't know, I gotta
take a break. We got more coming

1065
01:29:24.720 --> 01:29:33.079
up. Go with a sure thing
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1066
01:29:33.119 --> 01:29:41.239
You don't pay a cent until you're
content. Time for an insurance checkup free,

1067
01:29:41.319 --> 01:29:45.840
no obligation. In comparison, call
Compass Insurance paying too much your coverage

1068
01:29:45.880 --> 01:29:48.720
at dozens of insurance companies find out
now three O three seven seven to one

1069
01:29:48.840 --> 01:29:53.479
help. You'll think you're his only
customer when you choose Frank durand the real

1070
01:29:53.600 --> 01:29:58.119
estate man dot com to list your
home with Remax Alliance three oh three nine

1071
01:29:58.159 --> 01:30:08.159
two zero sixteen twenty two. Hi
Tom Martine, your troubleshooter. Three tozho

1072
01:30:08.199 --> 01:30:12.960
three seven to one three talk three
oh three seven one three eight two five

1073
01:30:13.199 --> 01:30:18.520
five. I can't stress enough how
bad it is in the condo and townhome

1074
01:30:18.840 --> 01:30:26.520
development market. And I foresee that
real estate market taken a big, big

1075
01:30:26.800 --> 01:30:31.239
hit as a result of the insurance
industry, and well not because of the

1076
01:30:31.239 --> 01:30:35.039
insurance, because of the massive hail
and wind losses, which is going to

1077
01:30:35.119 --> 01:30:42.640
result in some major problems in the
economy. Do you know that there's one

1078
01:30:42.720 --> 01:30:48.840
place that hasn't even rebuilt, They
haven't even started because they're embroiled in lawsuits

1079
01:30:48.840 --> 01:30:51.920
with the insurance company and people have
been out of their homes for a year.

1080
01:30:54.840 --> 01:30:59.680
Film what's going on? Tom?
Hey Man? Hey Tom, thank

1081
01:30:59.720 --> 01:31:05.039
you refer me to Icon. I
here over a month ago for did you

1082
01:31:05.119 --> 01:31:11.960
go Thereery, Oh, you sure
did. What kind of surgery? Did

1083
01:31:12.039 --> 01:31:16.000
you have a clear lens exchange?
Or did you have actual cataracts? I

1084
01:31:16.159 --> 01:31:25.000
have two cataracts. I have a
hole in my left eye through the REDNA.

1085
01:31:26.520 --> 01:31:30.199
So I have to go to Colorado, Rednew for over a month yet.

1086
01:31:30.800 --> 01:31:32.199
Now, so let me ask you
something. So you went to be

1087
01:31:32.279 --> 01:31:39.079
examined by ICON and they found these
problems before surgery, right, yes,

1088
01:31:39.359 --> 01:31:43.199
then I have surgery. They are
on the twenty third. What kind of

1089
01:31:43.239 --> 01:31:50.960
surgery did you have at Icon?
Well, evidently it was they took out

1090
01:31:51.000 --> 01:31:54.800
the lens and put it in a
new lens. That's all. Okay,

1091
01:31:54.840 --> 01:31:59.159
Well what I'm asking I'm asking Field
did you have cataracts when you went there?

1092
01:32:00.119 --> 01:32:04.840
Yes? Okay, so you had
cataract surgery at ICON? Right,

1093
01:32:05.279 --> 01:32:10.680
Okay, they did they do a
good job. You said you have a

1094
01:32:10.680 --> 01:32:14.760
hole in your red I think I
think so. Okay, But the problem

1095
01:32:14.800 --> 01:32:17.600
is, Phil, I want to
get right to this first. The problems

1096
01:32:17.640 --> 01:32:21.479
you're having now are not as a
result of ICON. They're in it.

1097
01:32:21.560 --> 01:32:28.720
They're just are they coincidental or what? Well, my left eye I don't

1098
01:32:28.720 --> 01:32:33.039
have surgery on it yet. The
right I had the cataract done. Okay,

1099
01:32:33.199 --> 01:32:40.000
I can see a little bit.
I wanted. I wanted to get

1100
01:32:40.039 --> 01:32:43.359
it for Phil. You still haven't
answered to me, so I'm sorry I

1101
01:32:43.399 --> 01:32:48.000
can't move on. You had you
had cataract surgery in your right eye?

1102
01:32:48.039 --> 01:32:53.720
Is that right? Yes? Sure? Okay? Is that I healing?

1103
01:32:53.800 --> 01:32:58.760
Okay? Yes it is. Can
you see out of it? Yes?

1104
01:32:58.840 --> 01:33:01.680
I can? Okay. Now the
left eye you did not have surgery?

1105
01:33:01.840 --> 01:33:08.439
Is that the one where you're having
issues? Yeah? What kind of issues

1106
01:33:08.479 --> 01:33:11.840
are you? What kind of issues
are you having with your left eye?

1107
01:33:12.520 --> 01:33:19.119
The left eye is some kind of
a whole or information or something. Is

1108
01:33:20.039 --> 01:33:27.640
the REDNA is collapsed or something?
And I have to keep taking these drops

1109
01:33:27.720 --> 01:33:32.079
until March twenty ninth, and then
what's then? I go in and then

1110
01:33:32.159 --> 01:33:38.680
the REDNA doctor will check me out
and see if I'm I can nate for

1111
01:33:39.000 --> 01:33:42.479
catereract surgery. Okay, I get
it. So they're trying to heal the

1112
01:33:42.560 --> 01:33:46.760
left eye first before you do surgery. Yeah, And it's driving me nuts

1113
01:33:46.960 --> 01:33:56.800
because I'm just seeing wavy lines and
it's foggy. Everything is just like a

1114
01:33:56.880 --> 01:34:01.920
war zone. Okay, I can't
figure it out to Well, you know

1115
01:34:02.239 --> 01:34:06.960
you're going to what Retina place?
Are you going to Colorado Retna? Yes,

1116
01:34:09.600 --> 01:34:15.720
so they have a pretty good reputation. Yeah, over off of Independence,

1117
01:34:15.840 --> 01:34:18.960
I think, And well, they
have a good reputation. So what

1118
01:34:19.000 --> 01:34:25.239
are you calling about for another recommendation? No? No, I wanted to

1119
01:34:25.279 --> 01:34:29.640
follow up on you know, let
you know where I'm at on them.

1120
01:34:29.640 --> 01:34:32.920
Okay, so when but I think, listen, do they say there's hope

1121
01:34:32.920 --> 01:34:42.199
for your eye or nothing? Or
yes? The surgeon says that she's hoping

1122
01:34:42.239 --> 01:34:46.520
that I don't have to wear glasses
ever again. But you know Colorado Retna.

1123
01:34:47.079 --> 01:34:53.840
Just are you you're calling about Colorado
Retna Associates? Right? Yes?

1124
01:34:54.079 --> 01:34:58.720
Which doctor are you seeing there?
You know, I can't think of his

1125
01:34:58.880 --> 01:35:03.159
name. I've only said about three
times. I just can't recall his name.

1126
01:35:03.800 --> 01:35:06.319
Let me tell you something. They
have some of the best that this

1127
01:35:06.399 --> 01:35:12.279
is one of the best places you
can be for Retina, right, one

1128
01:35:12.279 --> 01:35:15.119
of the best. Hey, have
you heard about wearing a patch on your

1129
01:35:15.119 --> 01:35:24.479
eye? So you only have one
one good eye? Doc on my regular

1130
01:35:24.840 --> 01:35:30.520
lenses that I have my glasses.
I popped out the lens on the right

1131
01:35:30.560 --> 01:35:34.720
eye, so I could more or
less see the left eye, but I

1132
01:35:34.760 --> 01:35:40.600
can't see how the left eye because
it's all cloudy and wavy and everything else.

1133
01:35:40.720 --> 01:35:45.319
Like I said to Tom, it
seems like looking through a war zone,

1134
01:35:45.399 --> 01:35:48.840
you know, being in a war
zone. I hate it. So

1135
01:35:48.920 --> 01:35:57.520
I'm doing four drops today on that
eye for at least another month or so,

1136
01:36:00.119 --> 01:36:03.279
four and a half cataract surgery.
But it's just driving me nuts.

1137
01:36:03.520 --> 01:36:08.399
Well, you know, it's one
of those, uh, one of those

1138
01:36:08.439 --> 01:36:14.239
things that you just have to go
through. But here's here's what's wonderful.

1139
01:36:14.279 --> 01:36:19.479
They have a lot of advancements.
They have a lot of advancements that were

1140
01:36:19.600 --> 01:36:25.720
really really help you. And Colorado
Retina is the best place you can be.

1141
01:36:25.840 --> 01:36:29.319
So I would have recommended them for
you. I'm glad you found them.

1142
01:36:29.880 --> 01:36:32.800
And thanks for the update. Phil. Yeah, I want, I

1143
01:36:32.880 --> 01:36:39.359
wanna. I want to update you
again on my left eye after the end

1144
01:36:39.399 --> 01:36:43.560
of March. You're gonna be You're
gonna be pleased. I mean, they

1145
01:36:43.560 --> 01:36:46.319
would tell you if they thought you
had no hope in that eye, they

1146
01:36:46.359 --> 01:36:49.920
would tell you that. That's what
I want to do, Tom, is

1147
01:36:50.279 --> 01:36:55.319
call you back later on when I
have that surgery on the left eye and

1148
01:36:55.359 --> 01:37:01.159
everything and tell you good, I'm
alive. I'm alive, Thank you Phil

1149
01:37:01.520 --> 01:37:08.840
three oh three seven one three talk
three O three seven to one three eight

1150
01:37:08.880 --> 01:37:14.600
two five five. So I want
to talk to John Fuller again, my

1151
01:37:14.760 --> 01:37:17.039
accident lawyer dot co. Right after
this. I want to you know,

1152
01:37:17.159 --> 01:37:23.279
people say, Tom, well,
you can't while you can't value a case

1153
01:37:23.439 --> 01:37:27.199
really until you know where you can
collect and all of that. Are there

1154
01:37:27.319 --> 01:37:32.039
some cases and this is a good
question where it really doesn't pay to pursue,

1155
01:37:32.159 --> 01:37:35.880
I mean or not not for the
patient but for the attorneys. Do

1156
01:37:35.920 --> 01:37:40.279
They sometimes say, Look, you're
out of luck. We're going to talk

1157
01:37:40.319 --> 01:37:48.960
about that coming up. Go with
a sure thing Denver's best roofer Excel Roofing

1158
01:37:49.039 --> 01:37:56.520
dot com. You don't pay a
cent until you're content. Time for an

1159
01:37:56.520 --> 01:38:00.199
insurance check up free, no obligation. In comparison, call company insurance paying

1160
01:38:00.199 --> 01:38:04.279
too much your coverage at dozens of
insurance companies find out now three all three

1161
01:38:04.439 --> 01:38:08.880
seven seven to one. Help.
You'll think you're his only customer when you

1162
01:38:08.960 --> 01:38:13.079
choose Frank durand the real estate Man
dot com to list your home with Remax

1163
01:38:13.159 --> 01:38:20.239
Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martine,

1164
01:38:20.479 --> 01:38:25.760
you're a troubleshooter three all three seven
one three talks seven one three eight two

1165
01:38:25.880 --> 01:38:29.520
five five Sir John Fuller, And
by the way, we're taking all of

1166
01:38:29.560 --> 01:38:31.399
your calls as well, John.
What happens in a case, I mean

1167
01:38:31.439 --> 01:38:34.359
where it's it's kind of has to
be heartbreaking, where somebody has a good

1168
01:38:34.359 --> 01:38:39.000
case but damn it, there's just
no one to go after, or the

1169
01:38:39.039 --> 01:38:42.680
person has no money, no insurance, or the insurance is substandard. I

1170
01:38:42.680 --> 01:38:45.920
mean, what do you do in
cases like that? There must be places

1171
01:38:45.000 --> 01:38:50.319
or times when you have to just
be honest with somebody. Yeah, I'd

1172
01:38:50.319 --> 01:38:55.560
say there's really two different categories.
One is where you know, the liability

1173
01:38:55.600 --> 01:39:00.600
is great, the damages are significant, and there's just simply no coverage,

1174
01:39:00.680 --> 01:39:04.800
you know, the the libel party
has nothing. There's no um coverage out

1175
01:39:04.800 --> 01:39:09.039
there, There's there's just nothing.
There's nothing to go after, and so

1176
01:39:10.039 --> 01:39:13.800
all of the best efforts in the
world are not going to result in us

1177
01:39:13.840 --> 01:39:16.239
being able to collect any money.
And on that circumstance, I have a

1178
01:39:16.319 --> 01:39:21.119
duty to tell my client there's nothing
here, you know, And so those

1179
01:39:21.159 --> 01:39:26.119
are tough. I hate when that
happens, But it does come up the

1180
01:39:26.199 --> 01:39:30.880
second circumstances where there's just you know, there's there are clients out there that

1181
01:39:31.039 --> 01:39:36.760
have you know, that believe in
their mind that everything under the sun that's

1182
01:39:36.760 --> 01:39:42.399
wrong with them was caused by the
accident. And sometimes I think you really

1183
01:39:42.439 --> 01:39:48.359
have a professional duty to you know, to be honest about those circumstances.

1184
01:39:48.399 --> 01:39:53.079
And and I don't think the attorney's
job is necessarily to go down with the

1185
01:39:53.600 --> 01:39:56.640
ship and just say, well,
if you said it, by day it,

1186
01:39:57.039 --> 01:39:59.800
we're going to trial and we're going
you know, we're going all out.

1187
01:40:00.000 --> 01:40:02.800
And so those those happen as well, and those are those are probably

1188
01:40:02.920 --> 01:40:11.039
more you know, heartbreaking than anything
else, because the clients believe wholeheartedly that

1189
01:40:11.039 --> 01:40:14.880
that you know, an accident,
no matter how minor, might have been

1190
01:40:14.920 --> 01:40:24.119
the final straw that broke the camel's
back. So why are insurance minimums so

1191
01:40:24.199 --> 01:40:29.199
small? Well, it's a it's
an issue that that really comes down to

1192
01:40:29.199 --> 01:40:31.840
our legislature. If they, if
they really wanted to protect citizens, they

1193
01:40:31.840 --> 01:40:35.760
would mandate you know, super coverage, say one hundred thousand dollars in coverage.

1194
01:40:35.840 --> 01:40:41.680
But then the collateral effect of that
is more people can can't afford insurance,

1195
01:40:41.680 --> 01:40:45.399
and so you have you have more
people that are uninsured on the roadway

1196
01:40:45.439 --> 01:40:49.359
because they can't afford to buy that
state minimal required amount. And so you're

1197
01:40:49.439 --> 01:40:53.239
kind of danged if you do and
danged if you don't. We can make

1198
01:40:53.279 --> 01:40:58.319
you have better insurance, but we
can't necessarily make people buy it when it's

1199
01:40:58.359 --> 01:41:01.840
so easy and so many people drive
without it. All right, maybe we

1200
01:41:01.840 --> 01:41:08.159
should figure out another way to have
minimal insurance based on road taxes or gasoline

1201
01:41:08.199 --> 01:41:10.800
or well, now with ev cars, we'd have to change that. But

1202
01:41:11.880 --> 01:41:14.600
there's got to be a better way. Kevin, you have a question on

1203
01:41:14.640 --> 01:41:18.640
the ballot. What is that?
Sir? What's going on? Good afternoon?

1204
01:41:20.199 --> 01:41:26.920
My question is on primary ballots.
I've never been affiliated with a party,

1205
01:41:27.720 --> 01:41:33.760
but we did receive a Democratic presidential
primary ballot just a new cower.

1206
01:41:33.760 --> 01:41:41.680
It'll policies sending out without a party
affiliation. No, you should not get

1207
01:41:41.680 --> 01:41:45.800
it. You should have gotten either
both or that's right. Yeah, as

1208
01:41:45.800 --> 01:41:48.359
an independent you would get both.
I think if are you did you say

1209
01:41:48.359 --> 01:41:55.359
you're unregistered? Correct? Well,
I'm a registered voter. I'm just not

1210
01:41:55.439 --> 01:41:58.920
affiliated with a party. Okay,
are you registered as that? Then I

1211
01:41:58.960 --> 01:42:04.199
think you're registered in you'd get both
of those? Okay, usually, but

1212
01:42:04.520 --> 01:42:08.079
I don't. But wait a minute. When you get both of those,

1213
01:42:08.560 --> 01:42:12.479
are you allowed to vote in both
or in just one? No? Just

1214
01:42:12.560 --> 01:42:15.239
one? You can only ever cast
one vote, but you can vote in

1215
01:42:15.359 --> 01:42:20.479
either one. You can vote in
either either the Democratic or the Republican primary.

1216
01:42:21.479 --> 01:42:29.479
Kevin, did you get the Republican
one as well? No, you

1217
01:42:29.520 --> 01:42:31.840
should have. I think he should
have gotten both. I really do.

1218
01:42:32.479 --> 01:42:35.319
Now you might want to call and
find out why. In case you do

1219
01:42:35.439 --> 01:42:39.880
want to vote in one of them, you should have that opportunity. I

1220
01:42:39.920 --> 01:42:42.439
got to take a break. I'm
Tom Martinez three three seven to one,

1221
01:42:42.479 --> 01:42:50.279
three A two five to five.
Go with a sure thing Denver's Best roofer

1222
01:42:50.439 --> 01:42:58.600
Excel roofing dot com. You don't
pay a cent until you're content. Time

1223
01:42:58.640 --> 01:43:02.520
for an insurance checkup. No obligation. In comparison, call Compass Insurance paying

1224
01:43:02.520 --> 01:43:06.600
too much your coverage at dozens of
insurance companies find out now three all three

1225
01:43:06.760 --> 01:43:11.520
seven seven to one help. You'll
think you're his only customer When you choose

1226
01:43:11.520 --> 01:43:15.960
Frank durand the real estate Man dot
com to list your home with Remax Alliance

1227
01:43:15.199 --> 01:43:28.319
three all three nine two zero sixteen
twenty two. Hi, Tom Martino,

1228
01:43:28.560 --> 01:43:33.840
you're troubleshooter three O three seven one
three talk three O three seven one three

1229
01:43:33.920 --> 01:43:39.199
eight two five five. I think
we took Kevin's call on that right,

1230
01:43:39.279 --> 01:43:43.560
Yeah, on his ballot. So
uh yeah, if you get if you're

1231
01:43:43.600 --> 01:43:49.079
an independent, you'll get both primaries, and you're able to vote in either

1232
01:43:49.159 --> 01:43:56.279
one, but not both. Some
uh around the country they're doing all kinds

1233
01:43:56.279 --> 01:44:00.760
of tricky things on both sides.
They're either registering independent and so they can

1234
01:44:00.840 --> 01:44:04.560
screw up the other one, or
they're registering as a party member to screw

1235
01:44:04.600 --> 01:44:09.159
it up totally. I don't know
what's going to happen this year, but

1236
01:44:09.239 --> 01:44:13.720
man, is it going to be
a wild ride. And I guess the

1237
01:44:14.039 --> 01:44:17.840
biggest thing I'm wondering, what do
people do now? We just had another

1238
01:44:17.920 --> 01:44:24.520
state take Trump off the ballot,
So what happens? I mean, if

1239
01:44:24.560 --> 01:44:28.439
the Supreme Court comes back and says
he should be on the ballots and we

1240
01:44:28.560 --> 01:44:31.319
pass the primary. I mean,
don't they have a tickler in their file

1241
01:44:31.439 --> 01:44:34.399
saying, by the way, we
have a deadline coming up, Like when

1242
01:44:34.600 --> 01:44:40.840
is the Colorado primary? When is
that happening? And on these absentee ballots

1243
01:44:40.880 --> 01:44:45.720
that people are filling out, what
happens? Is Trump in there right now?

1244
01:44:45.760 --> 01:44:48.000
Can they vote for him or not? Do you know, John,

1245
01:44:49.439 --> 01:44:54.319
Yeah, he's on the ballot.
So he's on the ballot even though he

1246
01:44:54.399 --> 01:44:56.960
was supposed to be taken off the
ballot. Why is that, Well,

1247
01:44:57.039 --> 01:45:00.520
they state it until the Supreme Court
rules on it. So he was,

1248
01:45:00.119 --> 01:45:04.560
he was and always will be on
the bout and until they rule. And

1249
01:45:04.640 --> 01:45:09.159
if they should happen to rule that
he's ineligible, then all of those votes

1250
01:45:09.199 --> 01:45:12.960
would just be you know, negated. So is that the way they're doing

1251
01:45:12.960 --> 01:45:16.399
it in the other states? Then
yep. Exactly when are they going to

1252
01:45:16.479 --> 01:45:20.479
rule on this damn thing? I
kind of thought, based on everything that

1253
01:45:20.560 --> 01:45:24.239
I heard, that we were going
to see an opinion real quickly. I

1254
01:45:24.239 --> 01:45:28.760
would say, even potentially, like
tomorrow. We're coming up on Super Tuesday

1255
01:45:28.840 --> 01:45:30.960
next week. I think, isn't
it go with a sure thing? Denver's

1256
01:45:31.000 --> 01:45:35.359
Best Roofer Excel Roofing dot com.
You don't pay a cent until you're content

1257
01:45:39.720 --> 01:45:45.000
time for an insurance checkup free no
obligation. Comparison call Compass Insurance paying too

1258
01:45:45.079 --> 01:45:48.319
much your coverage at dozens of insurance
companies find out now three all three seven

1259
01:45:48.439 --> 01:45:53.079
seven to one help. You'll think
you're his only customer when you choose Frank

1260
01:45:53.159 --> 01:45:57.760
durand the real estate man dot com
to list your home with Remax Alliance three

1261
01:45:57.760 --> 01:46:08.479
all three nine two zero sixteen twenty
two. Yeah, Rip, bad news,

1262
01:46:09.319 --> 01:46:14.960
need advice, so you don't have
come running. Just as fast as

1263
01:46:15.000 --> 01:46:23.159
we can. Shoot's gonna help.
Come Dix is the Troubleshooter Show. Now

1264
01:46:23.640 --> 01:46:29.920
Tom Martino, Hi, Tom Martino
here, Welcome to the show. Three

1265
01:46:30.039 --> 01:46:33.399
oh three seven to one three talk
three oh three seven one three eight two

1266
01:46:33.479 --> 01:46:36.920
five five. What's on your mind
today? And how can we help you?

1267
01:46:36.920 --> 01:46:42.119
You've got a lot happening. Uh, We've been talking about a number

1268
01:46:42.119 --> 01:46:45.319
of things that are troubling today,
and one of the things I want to

1269
01:46:45.319 --> 01:46:50.239
bring up is about the insurancing we
talked about, or the dilemma facing condo

1270
01:46:50.319 --> 01:46:55.439
owners and town home owners. I
just want to briefly recap that because it's

1271
01:46:55.520 --> 01:47:03.680
very important. Very bad news for
townhome and condo owners are those looking to

1272
01:47:03.720 --> 01:47:10.680
buy them Homeowners' associations. They're at
a breaking point when it comes to ensuring

1273
01:47:10.720 --> 01:47:15.479
their properties. Insurance carriers have faced
massive hail in wind losses over the past

1274
01:47:15.520 --> 01:47:23.760
ten years. Now, that's making
Colorado a less attractive market. Many insurance

1275
01:47:23.760 --> 01:47:30.239
companies have either left Colorado or increased
premiums and deductibles to impossible levels. In

1276
01:47:30.279 --> 01:47:42.239
some cases, insurance premiums have quadrupled. That can be outrageous. Okay,

1277
01:47:42.399 --> 01:47:49.760
So hoas are now faced with impossible
situations. They either have to increase their

1278
01:47:49.760 --> 01:48:00.680
homeowner dues to astronomical levels or in
some cases except giant deductibles or self ensure,

1279
01:48:01.439 --> 01:48:13.239
both of which can result in I
mean, geez in these assessments that

1280
01:48:13.279 --> 01:48:17.960
can be crazy. So what do
you do? What do you do?

1281
01:48:18.640 --> 01:48:25.359
I'm telling you it's going to be
a big, big problem for the entire

1282
01:48:25.399 --> 01:48:29.920
economy. And you heard it first
here on the show. You also heard

1283
01:48:29.960 --> 01:48:39.680
about some other troubling things like like
non disclosure in real estate. I want

1284
01:48:39.680 --> 01:48:45.039
to say something about that. When
you buy real estate and the previous owner

1285
01:48:45.000 --> 01:48:54.279
does not disclose everything, it almost
never pays to sue them. And home

1286
01:48:54.319 --> 01:48:58.399
inspectors are you know, it's better
to have a home inspector than not have

1287
01:48:58.479 --> 01:49:03.399
a home inspector, but they don't
take responsibility in most home inspection contracts.

1288
01:49:03.520 --> 01:49:08.840
John John Fuller is my guest today, my accident lawyer dot Co. He

1289
01:49:08.880 --> 01:49:10.960
has a good legal mind for stuff
like this, you know, John,

1290
01:49:11.000 --> 01:49:15.920
in most of these cases, I
don't know what's considered unconscionable. But these

1291
01:49:16.000 --> 01:49:23.520
contracts for home inspectors say that if
they miss something, the most you can

1292
01:49:23.560 --> 01:49:28.000
get your is your feedback that you
paid them. Right, Yeah, that's

1293
01:49:28.079 --> 01:49:31.640
actually very true. If not just
nothing. I mean, they limit their

1294
01:49:31.640 --> 01:49:36.880
liability to the amount of the feed
but they don't just offer up that amount.

1295
01:49:38.000 --> 01:49:43.119
I mean they disclaim liability for anything, their mistakes, unknown discoveries,

1296
01:49:43.159 --> 01:49:46.479
I mean, anything and everything.
It's amazing how those people can charge what

1297
01:49:46.600 --> 01:49:53.119
they charge and have a legal document
that says I am not responsible for finding

1298
01:49:53.279 --> 01:49:57.720
anything in this property. How do
they get away with that? I mean

1299
01:49:57.760 --> 01:50:01.479
really, because people, because people
do, because people just feel like they

1300
01:50:01.479 --> 01:50:04.720
have to have it. Realtors say, oh yeah, I would recommend it,

1301
01:50:05.159 --> 01:50:09.520
and so they get spoon fed.
These clients that pay this money,

1302
01:50:09.720 --> 01:50:14.000
they get largely a pre printed report. If you've seen inspection reports, you

1303
01:50:14.079 --> 01:50:17.720
know they're as boiler plate as they
could be. And I have just found

1304
01:50:17.720 --> 01:50:20.840
them to not be very valuable at
all. I mean, I truly,

1305
01:50:21.199 --> 01:50:26.279
maybe the best value would be to
physically walk through the entire property with the

1306
01:50:26.319 --> 01:50:30.439
inspector while they're doing it. But
to look at the report, there's not

1307
01:50:30.560 --> 01:50:35.359
a there's not an original word in
that report. Okay, I agree with

1308
01:50:35.399 --> 01:50:38.960
you. By the way, Rita, what's going on with you? Rita?

1309
01:50:39.039 --> 01:50:45.520
Welcome? Hi? I love it
like stone Cliff Apartments, I mean

1310
01:50:45.680 --> 01:50:59.079
rental. Yeah, I'm renting a
apartment and they Wyatt Towing came and towed

1311
01:50:59.199 --> 01:51:04.239
my car and I went to get
it. Now, why was it Toad?

1312
01:51:04.640 --> 01:51:09.159
Now listen, I just want to
say something. A lot of people

1313
01:51:09.159 --> 01:51:12.520
have read about why it's Towing getting
into trouble with the state for a lot

1314
01:51:12.560 --> 01:51:16.399
of illegal activity or exaggerations or whatever. But I want to say this,

1315
01:51:16.479 --> 01:51:23.880
Okay, I don't want people believing
that why every toe Wyats does is illegal

1316
01:51:24.199 --> 01:51:30.920
or that they can get out of
being told there was a problem with Whyatts

1317
01:51:30.399 --> 01:51:34.359
to be sure, and the state
came down on them to be sure.

1318
01:51:34.439 --> 01:51:43.399
However, you still have legit toes
going on every day depending on the apartment

1319
01:51:43.479 --> 01:51:47.039
complex. So stone Cliff Apartments,
you were told, but I need to

1320
01:51:47.119 --> 01:51:53.199
know why you were told. Okay, they told me it was I guess

1321
01:51:53.279 --> 01:52:00.279
they had a digital thing for your
car where they registered it in apartment complex.

1322
01:52:00.920 --> 01:52:08.199
Yes, and you were supposed to
have that legally register And the problem

1323
01:52:08.319 --> 01:52:13.600
is is I never heard about that. I never heard about registering my car.

1324
01:52:14.359 --> 01:52:18.399
Okay, Rita, how long have
you lived there? Yeah? One

1325
01:52:18.760 --> 01:52:24.880
year, February first. Okay,
now, Rita, let you have it?

1326
01:52:25.640 --> 01:52:29.399
Do other How do they know if
you're registered? Is it? Is

1327
01:52:29.439 --> 01:52:31.399
it your license plate or do you
have a tag you put in the window?

1328
01:52:31.439 --> 01:52:36.479
How do they know? I guess
it's a license plate? Okay,

1329
01:52:36.840 --> 01:52:41.840
Rita, Listen, this is a
This is a bad situation, and I'm

1330
01:52:41.840 --> 01:52:48.760
going to tell you why. If
that complex has a policy where you have

1331
01:52:48.880 --> 01:52:56.119
to register your car online or with
the office and your license plate is on

1332
01:52:56.199 --> 01:53:00.000
a list. If that's the case, then you have to do it.

1333
01:53:00.159 --> 01:53:03.880
Now. I know what you're gonna
say. You're gonna say I didn't know

1334
01:53:03.960 --> 01:53:10.439
about it. If there is at
least one sign in that parking lot that

1335
01:53:10.520 --> 01:53:15.520
alludes to that, or other residents
know about it, you're gonna have a

1336
01:53:15.560 --> 01:53:20.079
tough time proving that they never told
people. You see, you not knowing

1337
01:53:20.159 --> 01:53:26.720
about it is not a good enough
excuse. You have to show that no

1338
01:53:26.760 --> 01:53:34.560
one knows about it. Yeah,
rita, rita, do a lot of

1339
01:53:34.600 --> 01:53:39.399
people know about it? Are their
signs up? Be honest with me,

1340
01:53:39.439 --> 01:53:44.840
because we're gonna find out anyway.
So tell me. Are there signs up

1341
01:53:44.880 --> 01:53:48.039
that say cars? You know?
Must anything at all that warns you?

1342
01:53:49.600 --> 01:53:56.079
Okay? I hadn't seen anything,
know. Okay, there's no signs anywhere

1343
01:53:56.079 --> 01:53:59.720
in that parking lot. If there
are no signs there, then they can't

1344
01:53:59.760 --> 01:54:02.439
toe you. So that's so.
Now you can take them the small claims

1345
01:54:02.479 --> 01:54:05.560
court and win, so I don't
even have to move on. If there's

1346
01:54:05.600 --> 01:54:13.279
no signs you want already? Okay, you can win. You'll absolutely win

1347
01:54:13.439 --> 01:54:15.439
if there's no That's the very first
thing I ask. If there are any

1348
01:54:15.439 --> 01:54:19.439
signs? You said no, so
I'm gonna believe you. And if there

1349
01:54:19.479 --> 01:54:25.399
are, is this the one in
by the way Greenwood in an Aurora on

1350
01:54:25.479 --> 01:54:31.319
Greenwood Drive? Yeah? Okay,
And you say there's no signs anywhere,

1351
01:54:32.560 --> 01:54:38.000
well I can go home and drive
around. You need to. You need

1352
01:54:38.079 --> 01:54:43.000
to because listen, this can help
you. If there are no signs anywhere,

1353
01:54:43.039 --> 01:54:48.359
this can help you. Now it
looks like a pretty nice project there.

1354
01:54:48.479 --> 01:54:53.079
It doesn't look bad. So and
I don't see any signs from this

1355
01:54:53.199 --> 01:54:57.960
Google map. I don't see any
obvious signs at all. I'm not saying

1356
01:54:58.000 --> 01:55:02.119
they're not there. I don't see
any. Did they did? There have

1357
01:55:02.279 --> 01:55:06.720
to be signs, okay, at
least warning people. I'm looking at the

1358
01:55:06.920 --> 01:55:13.680
entrance here, I don't know is
it gated by the way? No?

1359
01:55:14.439 --> 01:55:19.039
Okay, So what about, Hey, deputy doc, would you call over

1360
01:55:19.079 --> 01:55:23.600
there and just say we have an
inquiry and just you know, we don't

1361
01:55:23.600 --> 01:55:29.000
have to be confrontational. Can you
ask them if there are signs about being

1362
01:55:29.079 --> 01:55:33.920
towed? Absolutely? Ask him that
and ask him how they let residents know.

1363
01:55:35.119 --> 01:55:38.800
And we don't even have to mention
this woman at this point. I

1364
01:55:38.880 --> 01:55:44.000
just want to know how did they
let people know that they have to register

1365
01:55:44.119 --> 01:55:46.319
their car? She's lived there a
year and she says she doesn't know.

1366
01:55:46.840 --> 01:55:51.520
But here's what I have to ask
you. Okay. I see in that

1367
01:55:51.560 --> 01:55:57.439
parking lot on this Google map a
ton of people park there, and can

1368
01:55:57.479 --> 01:56:00.800
we assume that not all of them
were towed? So someone knows about this?

1369
01:56:02.119 --> 01:56:06.359
readA Did you ask them? Read
it? Yes? I? Well,

1370
01:56:06.600 --> 01:56:12.000
when I got home, I called
a neighbor of mine who lives upstairs

1371
01:56:12.720 --> 01:56:15.399
and I said, well, hold
on, don what did your neighbor say?

1372
01:56:17.239 --> 01:56:21.000
She said, uh, yeah,
we were notified. I said,

1373
01:56:21.239 --> 01:56:26.920
I was never notified, and because
I thought it had something to do with

1374
01:56:26.960 --> 01:56:30.720
my handicap parking tag. And when
they said registered, I said, but

1375
01:56:30.840 --> 01:56:36.960
it's hanging in my they're hanging on
my window. I didn't how long you've

1376
01:56:38.000 --> 01:56:42.960
lived there? A year and you've
never been bothered before. But your neighbor

1377
01:56:43.039 --> 01:56:45.159
said, yes, we knew you
had to register. How did your neighbor

1378
01:56:45.279 --> 01:56:53.279
know maybe when they rented the apartment? Read I rented minds Ebyruary, and

1379
01:56:53.319 --> 01:56:57.640
I think she said she came in
May and that's when she found out or

1380
01:56:57.760 --> 01:57:00.359
you know where she was ripped.
Yeah, I want you to be very

1381
01:57:00.359 --> 01:57:04.359
I want to be very clear with
you. Not knowing about it does not

1382
01:57:04.680 --> 01:57:11.159
excuse you, Okay. The only
thing that would excuse you is if the

1383
01:57:11.239 --> 01:57:18.439
apartment never ever notified people. Okay, And if you were notified, I

1384
01:57:18.720 --> 01:57:21.920
don't care how you were notified.
If you were notified with a sign,

1385
01:57:23.319 --> 01:57:27.399
if you were notified with an email, if you were notified with when you

1386
01:57:27.479 --> 01:57:33.319
signed up doc. That's the central
question. They notify people, and okay,

1387
01:57:33.479 --> 01:57:36.359
just find that out. We'll do
okay, Doc three all three seven

1388
01:57:36.439 --> 01:57:41.199
one three eight two five five.
Now listen that that's going to be key.

1389
01:57:41.319 --> 01:57:44.079
Okay, that is going to be
key. Not what somebody says,

1390
01:57:44.640 --> 01:57:48.840
but what what actually happened. So
many people don't know what's going on.

1391
01:57:49.399 --> 01:57:59.399
All right, We have more coming
right up on the Troubleshooter Show. Go

1392
01:57:59.520 --> 01:58:02.760
with a short thing Denver's Best roofer
Excel Roofing dot com. You don't pay

1393
01:58:02.800 --> 01:58:10.560
a cent until you're content. Time
for an insurance check up free, no

1394
01:58:10.640 --> 01:58:15.560
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

1395
01:58:15.600 --> 01:58:18.279
of insurance companies find out now three
O three seven to seven to one help.

1396
01:58:18.439 --> 01:58:23.000
You'll think you're his only customer when
you choose Frank durand the real estate

1397
01:58:23.039 --> 01:58:27.479
Man dot com to list your home
with Remax Alliance three oh three nine two

1398
01:58:27.560 --> 01:58:36.159
zero sixteen twenty two. Hi Tom
Martino, your troubleshooter. Hey Andrew has

1399
01:58:36.199 --> 01:58:42.399
a comment on that. Go ahead, Andrew, you have a comment on

1400
01:58:42.439 --> 01:58:45.680
the insurance for condos and townhomes and
the dilemma they're facing. Go ahead,

1401
01:58:45.680 --> 01:58:50.439
sir, Yes, thank you.
It's more a question, but something's not

1402
01:58:50.600 --> 01:58:57.880
really adding up to me, I
mean, why does it what's the difference

1403
01:58:58.760 --> 01:59:05.199
between a Why are the condo companies
having trouble getting the insurance and it's not

1404
01:59:05.319 --> 01:59:12.159
affecting homeowners or it's not affecting commercial
real estate. I mean, okay,

1405
01:59:12.279 --> 01:59:15.439
certainly the hail and the wind hits
all these roots. I get it that

1406
01:59:15.520 --> 01:59:21.880
a condo complex may have a bigger
route than a house, but it's not

1407
01:59:23.119 --> 01:59:27.760
like the So what's the difference between
And I'm going to tell you that right

1408
01:59:28.000 --> 01:59:30.159
Andrew, I'm going to tell you
that right now, first and foremost,

1409
01:59:30.600 --> 01:59:35.680
it is affecting everyone, including homeowners. I don't know if you looked at

1410
01:59:35.760 --> 01:59:41.199
insurance rates lately, but they're going
through the roof, no pun intended.

1411
01:59:41.960 --> 01:59:48.079
But here's another thing. They're also
increasing deductibles on wind and hail to percentages

1412
01:59:48.760 --> 01:59:55.640
of the asset value. So there
they are going out of sight. They're

1413
01:59:55.680 --> 02:00:00.279
going way out of sight, and
they are affecting commercial building. But let

1414
02:00:00.279 --> 02:00:08.319
me tell you why they are affecting
condos more. The reason they're affecting condos

1415
02:00:08.520 --> 02:00:15.279
more is because you have clusters of
buildings owned by one entity. When I

1416
02:00:15.319 --> 02:00:18.640
say one entity, meaning the HOA, I understand that each has their own

1417
02:00:18.760 --> 02:00:27.800
unit. When you have that much
concentrated in one area, you have a

1418
02:00:28.399 --> 02:00:33.880
giant, massive premium, and then
what you have to do is aggregate the

1419
02:00:34.039 --> 02:00:42.800
cost among owners. Here's the problem. We have conventionally been used to paying

1420
02:00:43.399 --> 02:00:48.760
for an HOA. For example,
in a beautiful community, HOA fees could

1421
02:00:48.840 --> 02:00:55.159
be four or five hundred dollars a
month, and even six and eight hundred

1422
02:00:55.319 --> 02:01:00.520
is considered a lot. If you
take the new cost of insurance, it

1423
02:01:00.560 --> 02:01:05.800
could make those premiums. It could
make everyone's hoafee go up one thousand dollars.

1424
02:01:06.159 --> 02:01:11.920
No one will pay that, so
instead of doing that, hoas are

1425
02:01:12.119 --> 02:01:17.600
trying to get policies that are affordable. In order to do that, they

1426
02:01:17.640 --> 02:01:24.640
have to accept giant deductibles and hope
they don't have a lot of losses or

1427
02:01:24.800 --> 02:01:30.279
worse, they self ensure. As
a result, when a storm hits,

1428
02:01:31.239 --> 02:01:38.520
that deductible has to be aggregated among
all of the owners, which results in

1429
02:01:38.600 --> 02:01:46.880
a loss damage assessment. So insurance
companies would rather have a thousand homes spread

1430
02:01:46.920 --> 02:01:55.960
out through the metro area than one
thousand of those homes in one area,

1431
02:01:56.439 --> 02:02:03.279
because they because there's too much loss
at one time and that's why cluster developments

1432
02:02:03.720 --> 02:02:13.479
are facing more of a problem,
way more of a problem. So that's

1433
02:02:13.520 --> 02:02:16.640
why, Andrew, it's terrible.
And let me tell you the real problem

1434
02:02:16.720 --> 02:02:24.239
here is a lot of people buy
condos and town homes because they can't afford

1435
02:02:24.920 --> 02:02:31.840
the expense of a home and they
end up with a giant assessment they can

1436
02:02:31.880 --> 02:02:38.680
never pay. I predict we're going
to see a bunch of foreclosures as a

1437
02:02:38.720 --> 02:02:43.920
result of this. It's going we
haven't even seen the problem yet. Look,

1438
02:02:44.079 --> 02:02:46.039
I made a prediction once, I
swear to God years ago. I

1439
02:02:46.079 --> 02:02:51.000
made a prediction when they were doing
loans at one hundred and twenty five percent

1440
02:02:51.640 --> 02:02:58.520
loan to value. I said,
we are going to have hell to pay

1441
02:02:59.279 --> 02:03:01.560
ensure as hell. Well we did. I mean, we had a massive

1442
02:03:01.600 --> 02:03:05.359
recession. Now that wasn't the only
reason, but that was a big part

1443
02:03:05.359 --> 02:03:09.520
of the reason. A lot of
it was nondocumented loans and all of that,

1444
02:03:09.840 --> 02:03:13.840
but bottom line, there was not
enough asset base to cover the debt,

1445
02:03:14.479 --> 02:03:16.720
and when people did their own,
when people didn't have a lot of

1446
02:03:16.760 --> 02:03:21.840
skin in the game, they walked
away. We had massive problems. Three

1447
02:03:21.880 --> 02:03:26.079
oh three seven to one to three
talks seven one three eight, two five

1448
02:03:26.199 --> 02:03:30.319
five. Jeralin Uh called us yesterday
and Jeraln said, look, I worked

1449
02:03:30.319 --> 02:03:33.399
for a company had a four o
one K. They sold out. They

1450
02:03:33.439 --> 02:03:38.359
transferred my four oh one k,
and they transferred it to a new trustee,

1451
02:03:38.359 --> 02:03:41.279
and they're a scammer. I got
some good news for you, right,

1452
02:03:41.399 --> 02:03:45.039
Jenalene, they're not a scammer.
I looked at your transfer docs and

1453
02:03:45.079 --> 02:03:49.319
I contacted the company. Okay,
now your transfer doc. Your transfer doc

1454
02:03:49.399 --> 02:03:54.439
is nothing more than an introduction letter, and that's what they always send out.

1455
02:03:54.760 --> 02:03:59.079
And the introduction letter. I'm well
acquainted with these kinds of letters,

1456
02:03:59.119 --> 02:04:03.600
and I looked at it, very
well written, very clear into the point.

1457
02:04:03.680 --> 02:04:08.960
What they did. They can't maintain
a four to oh one K for

1458
02:04:09.039 --> 02:04:13.560
you because you're no longer contributing or
working there and the company's been sold.

1459
02:04:14.479 --> 02:04:20.600
So they converted it automatically to an
IRA. Okay, that means every dime

1460
02:04:20.640 --> 02:04:27.640
that you had in there, seventy
five hundred dollars almost seventy six is going

1461
02:04:27.760 --> 02:04:31.079
to be it was transferred to an
IRA. So you have an IRA,

1462
02:04:31.640 --> 02:04:35.039
and that's kind of good news for
you. So it went to this company,

1463
02:04:35.880 --> 02:04:42.119
Millennium Trust, and they gave you
a QR code, and they gave

1464
02:04:42.199 --> 02:04:48.520
you also a pass a registration code. Did you follow that process? I

1465
02:04:48.600 --> 02:04:55.680
did, and what happened? I
could not log into it wouldn't take my

1466
02:04:55.760 --> 02:04:59.199
password. I had to reset it
and this one locked me in. And

1467
02:04:59.239 --> 02:05:00.199
that's when I had to try call
them and get ahold of them, and

1468
02:05:00.199 --> 02:05:03.199
I couldn't get a hold of them
either. Okay, I think you're facing

1469
02:05:03.279 --> 02:05:09.359
frustration, but not a ripoff.
Okay, these companies, including this one,

1470
02:05:09.439 --> 02:05:14.920
are heavily regulated. Okay, some
let me tell you some of the

1471
02:05:15.000 --> 02:05:19.640
least ripoffs we have in our sector
in America. In in sectors. Home

1472
02:05:19.680 --> 02:05:25.760
improvement are a big ripoff. Moving
companies big ripoff. Financial companies, believe

1473
02:05:25.760 --> 02:05:30.119
it or not. Now now if
they're truly, financial companies are not big

1474
02:05:30.199 --> 02:05:33.560
ripoffs, especially trust companies. So
what I'd like to but but I have

1475
02:05:33.600 --> 02:05:39.800
some recommendations for you. I think
you can log on unless the access have

1476
02:05:39.960 --> 02:05:44.399
since expired, you can log on. Or I went on there there there

1477
02:05:44.800 --> 02:05:47.239
they have an email help and everything
on their website. If you go there,

1478
02:05:47.680 --> 02:05:53.239
and and all you have to do
is just basically go to onboard my

1479
02:05:53.359 --> 02:05:58.159
trust company dot com. The one
they sent you to and and and and

1480
02:05:58.399 --> 02:06:00.239
if you're if you have trouble logged
in, there's a place to hit a

1481
02:06:00.279 --> 02:06:03.880
link to get help. But what
I'd like to tell you is you should

1482
02:06:03.920 --> 02:06:06.479
probably get it out of there anyway, if you have any you don't have

1483
02:06:06.560 --> 02:06:10.479
to keep it. There is where
I'm telling you if you don't like their

1484
02:06:10.479 --> 02:06:14.479
customers. Ser Okay, are you
going to cash it in or are you

1485
02:06:14.520 --> 02:06:17.960
going to move it? I'm going
to move it? And where are you

1486
02:06:18.039 --> 02:06:23.600
going to move it? Well?
I was looking at Roth or Fidelity,

1487
02:06:23.760 --> 02:06:29.479
but I'm well, Roth is not
a thing. Roth is the name of

1488
02:06:29.520 --> 02:06:34.479
an Ira. So just if you
want to convert it to a Roth,

1489
02:06:34.520 --> 02:06:38.880
which isn't a bad idea, but
when you do that, just know that

1490
02:06:38.960 --> 02:06:43.399
you have to take a tax hit
on that when you do that. In

1491
02:06:43.479 --> 02:06:48.439
fact, honestly, Tom, I'm
getting ready to start with a new company

1492
02:06:48.479 --> 02:06:54.159
division here soon, so once I
get the benefits open, I'm I'm hoping

1493
02:06:54.159 --> 02:06:59.800
I can just move them out of
it, Okay, if you want to.

1494
02:07:00.000 --> 02:07:01.439
If you just want to cash it
out, you can do that too.

1495
02:07:01.479 --> 02:07:05.520
You'll pay it. You'll pay a
penalty and you'll pay unless you're over

1496
02:07:05.600 --> 02:07:09.680
fifty nine and a half. But
no matter what, you're going to pay

1497
02:07:09.720 --> 02:07:12.039
tax on it. If you're under
fifty nine and a half, you're going

1498
02:07:12.079 --> 02:07:15.239
to pay a surcharge. But you
can get either get the cash or you

1499
02:07:15.279 --> 02:07:19.000
can send it to another trustee.
You can't put it back into a four

1500
02:07:19.000 --> 02:07:27.199
to oh one k okay okay.
It has to remain as an IRA and

1501
02:07:27.239 --> 02:07:31.159
you can contribute by the way to
that IRA in the future as well.

1502
02:07:31.279 --> 02:07:34.359
So if you get it to a
trustee that you want to, you know

1503
02:07:34.479 --> 02:07:39.199
and trust, you can contribute to
it. Now, there are two kinds

1504
02:07:39.199 --> 02:07:42.640
of trustees you can go to.
You can go to one where they automatically

1505
02:07:42.680 --> 02:07:45.840
invest it for you, or you
can go to a self directed trustee.

1506
02:07:45.880 --> 02:07:50.119
So you make that decision. But
I promise you this is not a ripoff.

1507
02:07:51.520 --> 02:07:55.680
That money is safe there. You
just have to you just have to

1508
02:07:55.720 --> 02:07:58.800
go on there. And I think
you got frustrated, just go on to

1509
02:07:58.920 --> 02:08:01.880
that website they give you you and
have and hit the link for a trouble

1510
02:08:01.920 --> 02:08:07.479
logging in. They don't take phone
calls unfortunately, and a lot of them

1511
02:08:07.520 --> 02:08:11.359
don't. But that's just that's that's
just the way it is. Anyway,

1512
02:08:11.399 --> 02:08:16.159
Thank you very much. Three O
three seven to one three talk call us

1513
02:08:16.159 --> 02:08:18.560
back. If you have a problem. You shouldn't have a problem, Deputy

1514
02:08:18.600 --> 02:08:22.479
Doc, did you call that apartment
complex yet? I would just like to

1515
02:08:22.479 --> 02:08:26.359
know how they notify people of registering
cars. I did, and I just

1516
02:08:26.399 --> 02:08:28.439
got a voicemail. So I left
the message for them to call me back

1517
02:08:30.199 --> 02:08:33.159
as soon as they can. But
I bet you we're going to find that

1518
02:08:33.279 --> 02:08:37.600
people do know about the registration process, and that is why you don't have

1519
02:08:37.800 --> 02:08:43.520
everybody being towed every night. I
mean, it's really sad when people don't.

1520
02:08:45.000 --> 02:08:48.279
Some people throw away e mailings and
just throw away things from from their

1521
02:08:48.319 --> 02:08:54.800
mailbox, or they delete emails without
reading them or without familiarizing themselves, and

1522
02:08:54.840 --> 02:08:58.399
then they end up in trouble like
this. It can happen, It really

1523
02:08:58.479 --> 02:09:03.880
can happen. But there's got to
be a sign in the parking lot somewhere.

1524
02:09:03.039 --> 02:09:07.840
They have to by Colorado law.
That alone will help you. If

1525
02:09:07.840 --> 02:09:13.840
there are no signs, they have
to have a sign. I will let

1526
02:09:13.840 --> 02:09:16.560
you know as soon as I hear
find it, Tom, and you better

1527
02:09:16.600 --> 02:09:20.199
let them know they need signs.
Three oh three seven one three talk Go

1528
02:09:20.319 --> 02:09:24.560
with a sure thing Denver's best roofer
Excel roofing dot com. You don't pay

1529
02:09:24.560 --> 02:09:31.960
a cent until you're content. Time
for an insurance checkup free, no obligation.

1530
02:09:33.079 --> 02:09:37.399
Comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies

1531
02:09:37.479 --> 02:09:41.920
find out now three oh three seven
seven to one help. You'll think you're

1532
02:09:41.920 --> 02:09:45.840
his only customer when you choose Frank
durand the real estate Man dot com to

1533
02:09:45.920 --> 02:09:54.520
list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

1534
02:10:03.479 --> 02:10:07.199
Hi Tom Martino here three three seven
to one to three talks seven one

1535
02:10:07.279 --> 02:10:13.000
three eight two five five Back with
John Fuller, my accident lawyer dot co.

1536
02:10:13.439 --> 02:10:20.840
We've, as I said, taking
many cases recently, and the case

1537
02:10:20.920 --> 02:10:28.520
about being told I can't emphasize enough
the ignorance of the policies don't help you,

1538
02:10:28.640 --> 02:10:33.039
especially when you say you haven't been
notified and people around you have been.

1539
02:10:33.159 --> 02:10:41.479
That's going to be, uh the
biggest problem. Now, what about

1540
02:10:41.920 --> 02:10:48.479
somebody wants to know by text hitting
a pedestrian they were told the driver's always

1541
02:10:48.520 --> 02:10:52.039
wrong, but recently they heard a
discussion that I had with John Fuller,

1542
02:10:54.239 --> 02:11:01.840
and that's not necessarily the case.
John, can you elaborate on that yeah,

1543
02:11:01.920 --> 02:11:03.800
I can. I mean, listen, there's always some circumstance where the

1544
02:11:03.880 --> 02:11:07.960
driver can be accused of being negligent
and stuff. However, all of the

1545
02:11:07.960 --> 02:11:15.319
protections that are afforded the pedestrian when
they're in the crosswalk and crossing with the

1546
02:11:15.439 --> 02:11:18.560
light and all that stuff go out
the window when you're crossing in the middle

1547
02:11:18.560 --> 02:11:22.560
of the block or something where you
don't have a light that's telling you to

1548
02:11:22.479 --> 02:11:26.840
you know that it's safe to cross
and stuff. So the rule basically is,

1549
02:11:28.000 --> 02:11:30.520
you know, look, it's never
safe. You never get a free

1550
02:11:30.520 --> 02:11:35.079
shot to hit anybody. But there
are cases where pedestrians get hit in the

1551
02:11:35.119 --> 02:11:41.000
middle of a block where there's no
protection for crossing, where the law does

1552
02:11:41.039 --> 02:11:46.119
not really support that the driver is
going to be held negligent for that.

1553
02:11:46.399 --> 02:11:52.520
Okay, Now does that go for
cyclists as well? Well. Cyclists are

1554
02:11:54.439 --> 02:11:58.600
entitled to be on the roadway just
like you are, so they're considered,

1555
02:11:58.720 --> 02:12:01.640
you know, just the same as
a vehicle when they're driving, and so

1556
02:12:01.119 --> 02:12:03.880
they have to comply with the rules
of the road and so do you.

1557
02:12:05.239 --> 02:12:09.520
So no, you never get a
free shot on a cyclist, but the

1558
02:12:09.600 --> 02:12:15.119
cyclist may also be accused of being
you know, being negligent themselves and having

1559
02:12:15.159 --> 02:12:20.520
some role and causing the accident.
So have you heard John these new smartphone

1560
02:12:20.560 --> 02:12:26.319
apps that insurance companies are starting to
require where you have to carry your phone

1561
02:12:26.359 --> 02:12:33.279
with you and it tracks your driving, much like those devices did that you

1562
02:12:33.319 --> 02:12:35.760
plug into the data port, but
now they're doing it by smartphone app.

1563
02:12:35.800 --> 02:12:39.479
Have you heard of it? Yeah, I've heard of it. We actually

1564
02:12:39.520 --> 02:12:41.920
had a case where and I can't
think of the name of it, but

1565
02:12:41.000 --> 02:12:45.359
there's an app that a lot of
parents will put on the car to track

1566
02:12:45.399 --> 02:12:48.840
their children when they're driving, and
it tracks the speed and the direction and

1567
02:12:48.880 --> 02:12:52.079
where they're going and everything else.
And it's amazing. We were able to

1568
02:12:52.079 --> 02:12:56.359
get the data from one of those
apps in a really bad accident case improve

1569
02:12:56.800 --> 02:13:01.880
the exact speed at the time of
the accident, the exact speed over an

1570
02:13:01.880 --> 02:13:05.720
elapsed period of time, which was
critical for that, you know, that

1571
02:13:05.760 --> 02:13:11.840
particular case. And there's an enormous
amount of data that those things collect,

1572
02:13:11.079 --> 02:13:15.239
and so, you know, I
think it's just like a dash cam.

1573
02:13:15.439 --> 02:13:18.119
It can help you or it can
really hurt you if it shows that you're

1574
02:13:18.159 --> 02:13:26.680
at fault for the accident. So
the point is this is that in this

1575
02:13:26.760 --> 02:13:31.720
particular case of the smartphone apps,
or in these cases I should say,

1576
02:13:31.920 --> 02:13:39.079
people who are passengers, if they
don't make adjustments, their phone will record

1577
02:13:39.159 --> 02:13:45.359
them as the driver. In fact, all movement records them as the driver,

1578
02:13:46.399 --> 02:13:50.279
if they're in a lift or an
uber. The smartphone app doesn't know

1579
02:13:50.319 --> 02:13:56.239
the difference. So what you have
to do is go in every few days

1580
02:13:56.920 --> 02:14:00.199
or every week, and you know
how negligent people are when it comes and

1581
02:14:00.279 --> 02:14:05.960
you have to exclude the places where
you were not driving. Did you know

1582
02:14:07.079 --> 02:14:11.800
that? That's idea? Now that's
the imperfect part. Now you would think

1583
02:14:11.880 --> 02:14:15.520
that there would be an easier way
to figure this out. My god,

1584
02:14:16.399 --> 02:14:20.359
the technology like talking to your car
made you know, like I would say,

1585
02:14:20.439 --> 02:14:26.119
like talking to your car maybe a
Bluetooth connection or something. So I

1586
02:14:26.159 --> 02:14:30.600
don't know, but in any case, that's the new smartphone app, and

1587
02:14:30.960 --> 02:14:35.720
a lot of people are being told
that they're In some cases, their policies

1588
02:14:37.760 --> 02:14:43.399
have doubled and they went back and
realized that many of the data points they

1589
02:14:43.399 --> 02:14:46.640
were collecting were not theirs. And
that's interesting. I've not run into that

1590
02:14:46.720 --> 02:14:50.920
before, but I could definitely see
how, you know, how that data

1591
02:14:50.920 --> 02:14:54.960
could be used against you. I
mean that's the risk that we run with

1592
02:14:54.000 --> 02:14:58.840
all of this stuff. The data
is imperfect, and if it's being used

1593
02:15:00.039 --> 02:15:05.680
to make decisions about your you know, credit worthiness as a potential insured it,

1594
02:15:05.680 --> 02:15:09.560
it's gonna get abused in some cases, and that's that's not good.

1595
02:15:11.439 --> 02:15:13.359
We've also had issues, if you
think about it, the people that get

1596
02:15:13.439 --> 02:15:16.520
DUIs and have to blow in the
machine to start their cars. I mean,

1597
02:15:16.760 --> 02:15:20.560
for years and years people figured out
how to how to thwart those systems,

1598
02:15:20.560 --> 02:15:24.000
and they've gotten better, and they've
gotten to where you really can't cheat

1599
02:15:24.039 --> 02:15:28.640
those systems. And I suspect all
of this stuff is going to continue to

1600
02:15:28.680 --> 02:15:33.279
get better into until there's just no
question who's driving and who did what and

1601
02:15:33.359 --> 02:15:37.079
everything else. I'm not sure that's
great news, but I think that's definitely

1602
02:15:37.079 --> 02:15:43.039
where the world is going. Okay, and we have more coming up.

1603
02:15:43.079 --> 02:15:46.079
I'm troubleshooter Tom Martine. We have
time for a few more calls or discussions.

1604
02:15:46.079 --> 02:15:50.079
Three oh three seven one three talks
seven one three, eight two five

1605
02:15:50.239 --> 02:15:54.840
five Go with a sure thing Denver's
best roofer Excel roofing dot com. You

1606
02:15:54.880 --> 02:16:01.920
don't pay a cent until you're content. Time for an insurance check up free

1607
02:16:03.000 --> 02:16:07.640
no obligation. In comparison, call
Compass Insurance paying too much your coverage at

1608
02:16:07.680 --> 02:16:11.399
dozens of insurance companies find out now
three oh three seven to seven to one

1609
02:16:11.520 --> 02:16:15.159
help. You'll think you're his only
customer when you choose Frank durand the real

1610
02:16:15.239 --> 02:16:18.840
estate Man dot com to list your
home with Remax Alliance three oh three nine

1611
02:16:18.840 --> 02:16:30.880
two zero sixteen twenty two. Hi
Tom Martino, your troubleshooter three o three

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02:16:31.159 --> 02:16:35.559
seven to one three Talk John.
I got a text here. It's interesting.

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02:16:37.000 --> 02:16:43.920
Is it possible would waivers hold up
if you had people or kids or

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adults or anyone who drives with your
kid sign a waiver or drives with you

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02:16:48.440 --> 02:16:52.559
in your car not to come after
you. Is is that even possible?

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02:16:52.600 --> 02:16:58.680
Someone wants to know that. You
know, I've seen this come up a

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02:16:58.719 --> 02:17:03.799
time or two over the years.
Okay, you know, and some genius

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02:17:03.799 --> 02:17:07.000
decides are going to have everybody sign
a waiver before they come over for the

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02:17:07.079 --> 02:17:11.079
kid's birthday party and jump on the
trampoline and get in the car and everything

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02:17:11.120 --> 02:17:13.600
else. Yeah, I don't think
you'll have too many people attending your party

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02:17:13.600 --> 02:17:18.399
if you choose to do that.
But you know, waivers are traditionally viewed

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02:17:18.520 --> 02:17:24.680
with the very you know, jaundice
eye. They don't like to enforce waivers.

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02:17:24.760 --> 02:17:31.639
If the more that the waiver is
for a necessary service or you know,

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02:17:31.159 --> 02:17:35.879
event that you're you're waving, the
more they're likely to enforce it.

1625
02:17:35.280 --> 02:17:39.079
The more it is towards something that
is just gratuitous to the owner and not

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02:17:39.120 --> 02:17:43.959
really a necessary deal, the less
likely they would be to enforce that.

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02:17:46.799 --> 02:17:50.040
Okay, So it's up in the
air basically, I mean. Well,

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02:17:50.079 --> 02:17:52.360
and then the other issue, Tom
is that you know, are we talking

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02:17:52.360 --> 02:17:56.719
about negligents are gross negligents? You
know that that's a different entity altogether.

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02:17:56.840 --> 02:18:03.239
Negligents generally wave will be enforced that
just wave simple negligents, but but almost

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02:18:03.280 --> 02:18:09.000
never will they agree to enforce waivers
that wave gross negligents or you know,

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02:18:09.280 --> 02:18:16.200
or reckless conduct if you will,
okay, kind of kind of depends on

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02:18:16.239 --> 02:18:22.840
the circumstances in the language of the
waiver. That's John Fuller, Fuller Law,

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02:18:22.920 --> 02:18:26.280
my accident lawyer dot CO. Thank
you for being here, John,

1635
02:18:26.319 --> 02:18:31.040
We certainly certainly appreciate it, and
of course you can reach them at three

1636
02:18:31.040 --> 02:18:33.399
oh three five nine seven forty five
hundred. Don't forget three oh three Martino

1637
02:18:33.840 --> 02:18:39.840
for help, information and referrals three
oh three six two seven, eight,

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02:18:39.920 --> 02:18:43.239
four sixty six call twenty four seven
leave your name. We will get back

1639
02:18:43.239 --> 02:18:46.520
to you for help. Don't forget
referrals dot com as well. Save all

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02:18:46.559 --> 02:18:46.680
your problems for me